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Now is still a good time there for you? Yep. Yep. Beautiful. I'll try try not to take too long there for you. Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly. Just get you to confirm for me just your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. While I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there. I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole. But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you. Did she kinda give you a rundown on what was happening in the portfolio there at all? Yeah. Yeah. Absolutely. I did pull up everything to have a bit of a look at it before we jumped in the call. So as a whole, your portfolio has been been doing quite well. And look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see. But we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there. One of their underlying investments, Corporate Traveler, was being a bit dishonest to the market and not being honest to their investors. And that came out to the market at that particular point in time, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which obviously meant, because Bennelong had to hold them, that everyone's kinda going back and reevaluated Bennelong. So that part of your investment portfolio has been down quite significantly there. It's down by 19%. So as a whole for yourself, it's showing that your sorry. I'm just having a quick look in hub twenty four to give you the figures. So in your portfolio, it's down by about $2,046 at the moment. So it is down. What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so. Does that make sense? Yeah. Excellent. So one of the big things is, obviously, as a business, we are gonna move then along out of there. I just wanted to sort of find out a bit more about what sort of investment profile you should be in and get a bit more detail around what you wanna see from your investments there. Now with this the whole do you log in to Hub 24 very often to have a look at what's going on? How often's that? Yeah. Yeah. No. Of course. Yep. No. That's okay. When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that? Do you prefer to see all the investments and where the money is allocated, or is it not sort of as big of a an issue for you? Yeah. You do like the visibility side of things? Yeah. Yeah. No. That's okay. The main reason for the asking is we've also got some other portfolios that we could definitely look at moving you into, but we do need to do the research first. Essentially, over the course of the last twelve months, our investment our licensee and our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms, and we utilize their investment committee. We essentially have built what's called a separately managed account. One of the benefits of having this sort of separately managed account is that while you lose a bit of visibility on where your money is invested, you having something like that, basically, when, say, Bennelong have this issue, being in a separately managed account allows us to make changes and to remove underperforming or investments that needs to be removed from the portfolio nice and quickly. Whereas the way things are at the moment with you having the visibility that you do, we have to be able to have these conversations and update the advice prior to making any changes to your portfolio. So I just wanted to gauge whether you wanted to keep that visibility in your portfolio or whether you wanted me to look at something like that separately managed account where you might lose some visibility, but we gain a bit more control around removing investments for you. What would you like to see? Yeah. More money for you? Perfect. Yeah. Yeah. Okay. Yeah. So the Benelong itself, that is down by about $2,046. That has definitely had a business effect in your portfolio there, and that's probably gonna be what you're seeing. So we definitely wanna make sure that whatever we're doing with regarding the investments is providing more of a benefit to you. Did you want me to keep that visibility and maybe just look at maneuvering removing that Bennelong investment and keeping everything else? Or did you want me to sort of have a look at the whole portfolio and see what's gonna provide a benefit for you, if there's maybe a better portfolio, but also what the tax consequences might look like. Yeah. Yeah. Absolutely. I'm also just pulling up for you just sort of the last annual review as well. Because in 2024, when we did the review then, your balance was about 225,076. So then for us to go up to about $2.78 when we did your annual review on the 02/02/2026, you have seen quite a decent increase there, but then there's a slight pullback because of that been a long being down a little bit. Yeah. Yeah. Yes. Yeah. Absolutely. Do you so the way if we looked at that separately managed account, when you sort of logged in to because you said you're looking at your hub 24 now. If you're looking at the investment profile there, you can see you've got your BHYD, your food, your gold, your HAC, your IVs, your POCs, and the banner along below that. If you were if we were to move you into this separately managed account, essentially, what you would see in those lines that under the investments, you would see the o f u s m a product and the amount of money you have in those products, whichever blend that we can set up. So you wouldn't actually see all the underlying investments there, but when the investment committee do do contact and do have their meetings, which at the moment is sort of every quarter, when they do make changes, we can email you through, like, change reports to show you what's being purchased, what's being sold, what's been happening, and the reasoning behind that. The other alternative is we just keep the investments basically structured the way they are. I'll look at changing all of those for you and see what's gonna work out better for you in the long term. But that you when you log in to Hub 24, you can see the investments essentially the way they are structured at the moment. You can see where your money is allocated to. Did you want that visibility you have now, or did you want me to look at something that can be structured and changed as needed? Yep. So happy for me to look at the SMA? Yeah. Yep. Perfect. Yeah. Yeah. Yep. Yep. Yeah. Absolutely. Yeah. Yep. Yep. Yeah. Yep. You guys have taken that. Yeah. And that's the goal. That's perfect. No. Well, I'm absolutely happy to go back and have a look at that for you. I'll do the research around the SMA product as well as the other options there. You've mentioned to me you're happy to look at that estimate. You're happy to have us make alterations as we need to, which is gonna benefit you, which is fantastic. The other thing I just want to touch base on is having a look at where you are at the moment, and none of us ever wanna work forever, but what's essentially your goal for when you would like to access super and hopefully retire? What age are you thinking that would be preferable, Lyle? Yep. Yep. Perfect. Yeah. No. That's okay. So you're looking at sort of dropping hours around about age 67. Do you think there's a chance you might wanna reduce your hours before then? No. That's okay. And just double checking things. So you're 52 in November. Is that right? Yeah. Perfect. Sorry. I'm very cautious. Never wanna make you older than you actually are. All good. So if we sort of work on age 67 as a base there for you, I can have a look at the different options, what it's gonna do, whether it's gonna provide you know, whether it's expected to provide greater benefit to you. I'll look at the tax consequences around that as well to see what you know, so you can see the advantages, disadvantages, and the tax consequences of altering the portfolio as well. We are working towards about a fifteen year time horizon to the age of 67 at the moment. So I'll probably only project about the next sort of ten years just because there are a lot of factors in play there. A lot of things in your life could change between now to age 67. But once you do reach the age of 60, there are some other strategies that we can put in place where you might be able to keep your same take home pay, put more money into super, and draw a little bit out to, you know, give you some extra income. So we'll look at those other strategies when you're about 60 and see if that provides additional boosting to your retirement figure. Does that sound okay? Yeah? Anything helps? Thank you. Perfect. Yeah. Yeah. It looks I that's okay. I can tell you. I'm just popping into the file there just to pull up the document to see when that was. There's nothing in there. Sorry. Won't be a second. So I've got here this I've got here about 2022 was the first advice document. So you've been on board since then. Yeah. Yep. Yep. Yeah. No. Yeah. Yeah. Perfect. Well, we'll definitely make it make sure it's working as hard as possible for you. And if we move into the SMA product, it doesn't sort of stop the needle having regular reviews and catch ups and, you know, checking things because we still wanna make sure that that product is still working for you. So we will review that every year with you working towards your goals. And when we can do additional strategies, absolutely looking at those as well. Is there any chance that you would be wanting to put extra money into super by way of salary sacrifice? Are you finding it's just too tight with expenditure at the moment? Yeah. Yep. Yep. Yep. Yeah. Absolutely. So June, July would look at that for you. Yep. Yeah. Helps. Wow. Yeah. No. Fantastic. That sounds amazing. Whereabouts are you going on the cruise? Is it just local or you're going overseas for a bit? That sounds amazing. Yeah. That'll be great. Yeah. That's expensive, though, isn't it? The parcels have gone up a lot. Wow. That's insane. As I said earlier, they see us all coming. Wow. No. That's absolutely fine. We can definitely have a look at that for you. And, look, that cruise sounds incredible. Hopefully, you enjoy that. That sounds, like, amazing. I also just want to really double check your insurance side of things as well. So I know when you did your annual review with Michelle, she went to let you know about the level of cover you have. You've got some life and TBD here. It just sort of means that in the event of passing, your life cover is paid out. You have a current sum insured of 268,250, and your super benefit is also sorry. I'm just looking at the wrong document. I do apologize. Your life because I'm insured is 296,872. And then your super benefit is also paid out to your, beneficiary on passing as well. Does the current sum insured for your life cover are you comfortable with that? Did you wanna look at altering that at all? Or yep. Yep. Dump truck. No. That's okay. I've also got your total permanent disability cover here. So that essentially pays out either a pension amount or a lump sum benefit in the event that you're unable to ever go back to work again. TPD is a taxable income, so it is taxed if you are on claim under the age of 60. But the current sum insured is 296,872. And, again, if you are TBD, they're under permanent incapacity, we can get access to your super there as well. Are you comfortable with that level of cover you have for TBD? Did you wanna look at altering that at all? Happy with that? Yeah. That's okay. That's alright. I've also got it noted here you don't have any income protection cover. So in the event of, in the shorter term, being unable to go to work, you don't have anything as a monthly benefit to fall back on. But I can see that you do have some savings set aside there as well. You're comfortable not having any income protection? Yep. Yeah. That's okay. And there is other types of insurance that you can hold as well, like trauma. Trauma, unlike the others, isn't paid inside too, but it does have to be paid out of your back pocket. So it does come down to what your expenditure looks like, but trauma pays out a lump sum tax free benefit in the event of, like, a traumatic diagnosis, like, say, Parkinson's, having a heart attack, certain cancers as well. You don't have any trauma at the moment. Did you wanna look at getting some trauma, or you're happy not worrying about it? Yeah. That's absolutely okay. I just need to make sure I go through those with you and make sure that you're comfortable with that. If you ever decide you wanna look at insurances, let me know. I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and what? Yeah? Beautiful. And the last thing to run through is just updating your risk profile questionnaire. I just wanted to make sure that you are invested correctly because we are looking at updating your investment profile. Just wanting to make sure that you're invested in in line with your risk tolerance. The first question here is just have you ever owned direct shares in your own name before? You're right. Have you ever owned direct shares in your own name? Nope. That's okay. Beautiful. We're working here on a sorry. An age of about 67 for the time, and so it does sort of note here that you do have about fifteen years before you're wanting to access super. I am correct in saying that you're happy for 67 to be your access age at the moment. Yeah. Cool. If that ever does change, please feel free to let me know as well. Okay? The next question here is asking if you did look at your super over the next sort of six months and you saw it had fallen by 20% due to external market factors, how might you be feeling? Are you wanting to put more money into the investment? It could be a buying opportunity. Are you more likely to call us and see what we suggest you do, or are you feeling a bit concerned and wanting to move into a more secure investment? Yeah. Beautiful. It's a really good answer. Lovely. When you think about your sleep, are you comfortable taking on more risk to try and get greater potential returns? Do you think you'd be comfortable taking a moderate or medium amount of risk to get the best returns you can? Or are you concerned about the markets and not wanting to take any risk in the market? Yeah. Yeah. Yep. Do you feel like you'd be sort of in the middle, or do you feel like like, with the questions I just went through with the the top answer or the middle option, do you think you'd be in between that a little bit? Yeah. Beautiful. Excellent. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you never wanna borrow for that sort of investing? Yep. That's okay. Have you ever thought about borrowing to, say, property or anything like that? Yeah. Yep. Yeah. Yeah. Wow. Yeah. It's a lot. Yeah. No. I can understand too. Not a great experience to have in the past, so that's completely okay and understandable. Are you guys renting where you are at the moment? Yeah. What sort of rent are you paying on a regular basis? Okay. That's actually not bad, isn't it? Yeah. Yeah. Yeah. Wow. Yep. Yeah. Wow. Yeah. Well yeah. Well, we're on the Gold Coast, and rent is horrendous here for anything. And I live over the border in New South Wales, and because we are so close to the Gold Coast there, the same thing. To get, like, a small one bedroom anything, you're paying anywhere between 5 to $600 a week. It's horrendous down there as well. Wow. Yeah. That's excellent. Yeah. Wow. Five acres. Yes. Wow. Yeah. Yeah. Yeah. Wow. Yeah. Yep. Yeah. Wow. Oh, wow. And with the goats, do you, like, milk them, or, like, what what's the main sort of reason for raising goats? Are they just pets, or do you have a, like, a business idea for them? Or yep. Yep. Perfect. Lawn mowers. Yeah. No. Yeah. Yes. Yep. Yeah. Yeah. Wow. Wow. Yeah. Do you plan to get some more? Or Yep. Yep. Yeah. Oh, you have to start charging them for having mowing their their lawn. Oh, yep. Wow. Oh, wow. That's incredible. I've never owned goats myself, so that is definitely an experience. I'd be shocked. Wow. Yeah. Wow. Yeah. Wow. That's incredible. That's amazing. Wow. Well, that's really cool. Thank you for updating. That's fantastic. It's good to know. I'll keep that in mind if they're no. I find anyone with goats. Definitely not something I would wonder. I heard they smell really bad. Is that right? Yep. Okay. Cool. That's cool. Yeah. Wow. Yeah. Wow. Yep. Wow. That's that's amazing. Yeah. That's amazing because the females would have the pheromones for mating season, so you'd think that they would have more of an odor to them, but that's interesting. Yeah. Well, that's right. Yeah. Yeah. Yeah. Wow. Yep. Oh, no. That's perfect. All good. Lyle, I have just tallied up the scores here for your risk profile question. You have scored within that growth risk profile. So, generally, a growth investor does see about 80% of their super invested in growth assets, so things like Australian shares, international shares, some property, and also some commodities like gold and silver. You would generally also see about 20% in low risk defensive investments like cash bonds and fixed interest. So having a mixed load helps with diversifying and helping to spread your risk level, which over the course of time can help to reduce the risk. Growth investments where you get the greater potential returns and defensive investments to help sort of spread the this level and give you some income producing investments there as well. Are you happy looking to staying within that sort of asset allocation? Yeah. Yeah. Yeah. Absolutely. This sort of profile fits someone who has at least six years before they're wanting to access their super. So it definitely does sort of fit right within your time horizon, which is great. The growth investment, we would expect the likelihood of a a negative return, sorry, sort of one in every five years. And the expected return you're looking at for this would be about seven to 9% on a yearly basis. So that sort of fits within where you are, but as long as you're comfortable with that, that's okay. Yep. Beautiful. Absolutely. So where you are now and the reason we do wanna check that every year with you is as you get closer and closer to wanting to access your super, you'll find you don't wanna take as much risk in the market, and you really should the closer you get. If you sort of think back to the GFC when a lot of people did retire right around that point where everything dropped around late two thousand nine, a lot of people did cement those losses in their retirement years. So what we we don't want that to happen to you is that as we get closer as you get closer to the age of 67, we'll start to reduce your risk in the market, bring some more of those defensive investments in there, and tend to pull you back a little bit. But for right now, that definitely does fit your time horizon. But it's also said if you feel like you wanna retire earlier than age 67, please let me know because I wanna make sure that we've got you in the right risk profile as well. Okay? Yeah. Perfect. Perfect. All good. I also just noticed here we don't really have any beneficiary nominations noted here for you. I know Michelle did have a conversation with you around that. If in the event you were to pass away, who do you want your super and your life insurance directed through to? Wife. Yep. That's okay. And your wife's name is Samantha? Yep. Beautiful. Your two kids today? Adults? Or yeah. Wow. Okay. Beautiful. Would you want the super and the life insurance to go straight to Samantha and have her sort of directed out, or did you want to nominate your kids as well? The kids as well? Yeah. Awesome. Well, as part of the advice, if you like, I can put the estate planning in there and also kind of show you how you should nominate the beneficiaries to make sure it's the most tax effective way. Because with your super in your life insurance, if you were to pass away, with Samantha as your wife, she is your spouse. So under law, she can receive the benefit completely tax free. However, if you then also paid some to your adult children directly to them, they would actually pay tax on the taxable component. So there is a way that that you can reduce the tax paid to the kids. If you're comfortable with me including that in the recommendations, I can do that for you. Yep. Perfect. So we want do you know how much you want to go to Samantha and how much you want paid to your kids? To the kids? Yeah. Perfect. Beautiful. Not a problem. I can include the estate planning there for you, Lyle, and show you how to make those how to make those beneficiaries in the most tax effective way for you. Okay? Perfect. I know I have gone through a lot with you. Do you have any questions for me? Did you want me to break anything further down for you? Or no. Yeah. Yeah. That's okay. Well, what I'll do is I'll go back now with my beautiful team. We'll go through and do some research for you. Once we've got the advice document ready to go, it does take a couple of weeks to do all the research that we need to. And once we've got the advice document ready, we'll come back and I'll go through it with you so you can see what I'm recommending, the advantages, disadvantages, and the risks involved. How does that sound? Yeah? Beautiful. Look. Before I do let you go, is there anything you want any other questions that you might have that sort of popped up at all or everything's covered? Yeah. Beautiful. I'll go back and complete that research there for you, Lyle. If anything does come up at any point that you wanted to, you know, touch base on any questions, you find, please let me know. I'm more than happy to make time to have a chat. Okay? Mhmm. Thank you so much. You know? I'll let you go so you can have a restful evening. I hope you have a good night and a good rest of your week. Thank you. Talk soon. See you later. 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Lyle. This is Dana from OQ Financial. How are you this afternoon? Oh, lovely. That sounds really nice.\n\nOh, Lila, I did have you booked in for a bit of a catch up after you and the reviewers. Now is still a good time there for you? Yep. Yep. Beautiful.\n\nI'll try try not to take too long there for you. Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful.\n\nAnd as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly. Just get you to confirm for me just your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that.\n\nWhile I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there. I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole. But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you. Did she kinda give you a rundown on what was happening in the portfolio there at all? Yeah.\n\nYeah. Absolutely. I did pull up everything to have a bit of a look at it before we jumped in the call. So as a whole, your portfolio has been been doing quite well. And look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see.\n\nBut we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there. One of their underlying investments, Corporate Traveler, was being a bit dishonest to the market and not being honest to their investors. And that came out to the market at that particular point in time, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which obviously meant, because Bennelong had to hold them, that everyone's kinda going back and reevaluated Bennelong. So that part of your investment portfolio has been down quite significantly there. It's down by 19%.\n\nSo as a whole for yourself, it's showing that your sorry. I'm just having a quick look in hub twenty four to give you the figures. So in your portfolio, it's down by about $2,046 at the moment. So it is down. What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so.\n\nDoes that make sense? Yeah. Excellent. So one of the big things is, obviously, as a business, we are gonna move then along out of there. I just wanted to sort of find out a bit more about what sort of investment profile you should be in and get a bit more detail around what you wanna see from your investments there.\n\nNow with this the whole do you log in to Hub 24 very often to have a look at what's going on? How often's that? Yeah. Yeah. No.\n\nOf course. Yep. No. That's okay. When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that?\n\nDo you prefer to see all the investments and where the money is allocated, or is it not sort of as big of a an issue for you? Yeah. You do like the visibility side of things? Yeah. Yeah.\n\nNo. That's okay. The main reason for the asking is we've also got some other portfolios that we could definitely look at moving you into, but we do need to do the research first. Essentially, over the course of the last twelve months, our investment our licensee and our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms, and we utilize their investment committee. We essentially have built what's called a separately managed account.\n\nOne of the benefits of having this sort of separately managed account is that while you lose a bit of visibility on where your money is invested, you having something like that, basically, when, say, Bennelong have this issue, being in a separately managed account allows us to make changes and to remove underperforming or investments that needs to be removed from the portfolio nice and quickly. Whereas the way things are at the moment with you having the visibility that you do, we have to be able to have these conversations and update the advice prior to making any changes to your portfolio. So I just wanted to gauge whether you wanted to keep that visibility in your portfolio or whether you wanted me to look at something like that separately managed account where you might lose some visibility, but we gain a bit more control around removing investments for you. What would you like to see? Yeah.\n\nMore money for you? Perfect. Yeah. Yeah. Okay.\n\nYeah. So the Benelong itself, that is down by about $2,046. That has definitely had a business effect in your portfolio there, and that's probably gonna be what you're seeing. So we definitely wanna make sure that whatever we're doing with regarding the investments is providing more of a benefit to you. Did you want me to keep that visibility and maybe just look at maneuvering removing that Bennelong investment and keeping everything else?\n\nOr did you want me to sort of have a look at the whole portfolio and see what's gonna provide a benefit for you, if there's maybe a better portfolio, but also what the tax consequences might look like. Yeah. Yeah. Absolutely. I'm also just pulling up for you just sort of the last annual review as well.\n\nBecause in 2024, when we did the review then, your balance was about 225,076. So then for us to go up to about $2.78 when we did your annual review on the 02/02/2026, you have seen quite a decent increase there, but then there's a slight pullback because of that been a long being down a little bit. Yeah. Yeah. Yes.\n\nYeah. Absolutely. Do you so the way if we looked at that separately managed account, when you sort of logged in to because you said you're looking at your hub 24 now. If you're looking at the investment profile there, you can see you've got your BHYD, your food, your gold, your HAC, your IVs, your POCs, and the banner along below that. If you were if we were to move you into this separately managed account, essentially, what you would see in those lines that under the investments, you would see the o f u s m a product and the amount of money you have in those products, whichever blend that we can set up.\n\nSo you wouldn't actually see all the underlying investments there, but when the investment committee do do contact and do have their meetings, which at the moment is sort of every quarter, when they do make changes, we can email you through, like, change reports to show you what's being purchased, what's being sold, what's been happening, and the reasoning behind that. The other alternative is we just keep the investments basically structured the way they are. I'll look at changing all of those for you and see what's gonna work out better for you in the long term. But that you when you log in to Hub 24, you can see the investments essentially the way they are structured at the moment. You can see where your money is allocated to.\n\nDid you want that visibility you have now, or did you want me to look at something that can be structured and changed as needed? Yep. So happy for me to look at the SMA? Yeah. Yep.\n\nPerfect. Yeah. Yeah. Yep. Yep.\n\nYeah. Absolutely. Yeah. Yep. Yep.\n\nYeah. Yep. You guys have taken that. Yeah. And that's the goal.\n\nThat's perfect. No. Well, I'm absolutely happy to go back and have a look at that for you. I'll do the research around the SMA product as well as the other options there. You've mentioned to me you're happy to look at that estimate.\n\nYou're happy to have us make alterations as we need to, which is gonna benefit you, which is fantastic. The other thing I just want to touch base on is having a look at where you are at the moment, and none of us ever wanna work forever, but what's essentially your goal for when you would like to access super and hopefully retire? What age are you thinking that would be preferable, Lyle? Yep. Yep.\n\nPerfect. Yeah. No. That's okay. So you're looking at sort of dropping hours around about age 67.\n\nDo you think there's a chance you might wanna reduce your hours before then? No. That's okay. And just double checking things. So you're 52 in November.\n\nIs that right? Yeah. Perfect. Sorry. I'm very cautious.\n\nNever wanna make you older than you actually are. All good. So if we sort of work on age 67 as a base there for you, I can have a look at the different options, what it's gonna do, whether it's gonna provide you know, whether it's expected to provide greater benefit to you. I'll look at the tax consequences around that as well to see what you know, so you can see the advantages, disadvantages, and the tax consequences of altering the portfolio as well. We are working towards about a fifteen year time horizon to the age of 67 at the moment.\n\nSo I'll probably only project about the next sort of ten years just because there are a lot of factors in play there. A lot of things in your life could change between now to age 67. But once you do reach the age of 60, there are some other strategies that we can put in place where you might be able to keep your same take home pay, put more money into super, and draw a little bit out to, you know, give you some extra income. So we'll look at those other strategies when you're about 60 and see if that provides additional boosting to your retirement figure. Does that sound okay?\n\nYeah? Anything helps? Thank you. Perfect. Yeah.\n\nYeah. It looks I that's okay. I can tell you. I'm just popping into the file there just to pull up the document to see when that was. There's nothing in there.\n\nSorry. Won't be a second. So I've got here this I've got here about 2022 was the first advice document. So you've been on board since then. Yeah.\n\nYep. Yep. Yeah. No. Yeah.\n\nYeah. Perfect. Well, we'll definitely make it make sure it's working as hard as possible for you. And if we move into the SMA product, it doesn't sort of stop the needle having regular reviews and catch ups and, you know, checking things because we still wanna make sure that that product is still working for you. So we will review that every year with you working towards your goals.\n\nAnd when we can do additional strategies, absolutely looking at those as well. Is there any chance that you would be wanting to put extra money into super by way of salary sacrifice? Are you finding it's just too tight with expenditure at the moment? Yeah. Yep.\n\nYep. Yep. Yeah. Absolutely. So June, July would look at that for you.\n\nYep. Yeah. Helps. Wow. Yeah.\n\nNo. Fantastic. That sounds amazing. Whereabouts are you going on the cruise? Is it just local or you're going overseas for a bit?\n\nThat sounds amazing. Yeah. That'll be great. Yeah. That's expensive, though, isn't it?\n\nThe parcels have gone up a lot. Wow. That's insane. As I said earlier, they see us all coming. Wow.\n\nNo. That's absolutely fine. We can definitely have a look at that for you. And, look, that cruise sounds incredible. Hopefully, you enjoy that.\n\nThat sounds, like, amazing. I also just want to really double check your insurance side of things as well. So I know when you did your annual review with Michelle, she went to let you know about the level of cover you have. You've got some life and TBD here. It just sort of means that in the event of passing, your life cover is paid out.\n\nYou have a current sum insured of 268,250, and your super benefit is also sorry. I'm just looking at the wrong document. I do apologize. Your life because I'm insured is 296,872. And then your super benefit is also paid out to your, beneficiary on passing as well.\n\nDoes the current sum insured for your life cover are you comfortable with that? Did you wanna look at altering that at all? Or yep. Yep. Dump truck.\n\nNo. That's okay. I've also got your total permanent disability cover here. So that essentially pays out either a pension amount or a lump sum benefit in the event that you're unable to ever go back to work again. TPD is a taxable income, so it is taxed if you are on claim under the age of 60.\n\nBut the current sum insured is 296,872. And, again, if you are TBD, they're under permanent incapacity, we can get access to your super there as well. Are you comfortable with that level of cover you have for TBD? Did you wanna look at altering that at all? Happy with that?\n\nYeah. That's okay. That's alright. I've also got it noted here you don't have any income protection cover. So in the event of, in the shorter term, being unable to go to work, you don't have anything as a monthly benefit to fall back on.\n\nBut I can see that you do have some savings set aside there as well. You're comfortable not having any income protection? Yep. Yeah. That's okay.\n\nAnd there is other types of insurance that you can hold as well, like trauma. Trauma, unlike the others, isn't paid inside too, but it does have to be paid out of your back pocket. So it does come down to what your expenditure looks like, but trauma pays out a lump sum tax free benefit in the event of, like, a traumatic diagnosis, like, say, Parkinson's, having a heart attack, certain cancers as well. You don't have any trauma at the moment. Did you wanna look at getting some trauma, or you're happy not worrying about it?\n\nYeah. That's absolutely okay. I just need to make sure I go through those with you and make sure that you're comfortable with that. If you ever decide you wanna look at insurances, let me know. I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and what?\n\nYeah? Beautiful. And the last thing to run through is just updating your risk profile questionnaire. I just wanted to make sure that you are invested correctly because we are looking at updating your investment profile. Just wanting to make sure that you're invested in in line with your risk tolerance.\n\nThe first question here is just have you ever owned direct shares in your own name before? You're right. Have you ever owned direct shares in your own name? Nope. That's okay.\n\nBeautiful. We're working here on a sorry. An age of about 67 for the time, and so it does sort of note here that you do have about fifteen years before you're wanting to access super. I am correct in saying that you're happy for 67 to be your access age at the moment. Yeah.\n\nCool. If that ever does change, please feel free to let me know as well. Okay? The next question here is asking if you did look at your super over the next sort of six months and you saw it had fallen by 20% due to external market factors, how might you be feeling? Are you wanting to put more money into the investment?\n\nIt could be a buying opportunity. Are you more likely to call us and see what we suggest you do, or are you feeling a bit concerned and wanting to move into a more secure investment? Yeah. Beautiful. It's a really good answer.\n\nLovely. When you think about your sleep, are you comfortable taking on more risk to try and get greater potential returns? Do you think you'd be comfortable taking a moderate or medium amount of risk to get the best returns you can? Or are you concerned about the markets and not wanting to take any risk in the market? Yeah.\n\nYeah. Yep. Do you feel like you'd be sort of in the middle, or do you feel like like, with the questions I just went through with the the top answer or the middle option, do you think you'd be in between that a little bit? Yeah. Beautiful.\n\nExcellent. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you never wanna borrow for that sort of investing? Yep. That's okay. Have you ever thought about borrowing to, say, property or anything like that?\n\nYeah. Yep. Yeah. Yeah. Wow.\n\nYeah. It's a lot. Yeah. No. I can understand too.\n\nNot a great experience to have in the past, so that's completely okay and understandable. Are you guys renting where you are at the moment? Yeah. What sort of rent are you paying on a regular basis? Okay.\n\nThat's actually not bad, isn't it? Yeah. Yeah. Yeah. Wow.\n\nYep. Yeah. Wow. Yeah. Well yeah.\n\nWell, we're on the Gold Coast, and rent is horrendous here for anything. And I live over the border in New South Wales, and because we are so close to the Gold Coast there, the same thing. To get, like, a small one bedroom anything, you're paying anywhere between 5 to $600 a week. It's horrendous down there as well. Wow.\n\nYeah. That's excellent. Yeah. Wow. Five acres.\n\nYes. Wow. Yeah. Yeah. Yeah.\n\nWow. Yeah. Yep. Yeah. Wow.\n\nOh, wow. And with the goats, do you, like, milk them, or, like, what what's the main sort of reason for raising goats? Are they just pets, or do you have a, like, a business idea for them? Or yep. Yep.\n\nPerfect. Lawn mowers. Yeah. No. Yeah.\n\nYes. Yep. Yeah. Yeah. Wow.\n\nWow. Yeah. Do you plan to get some more? Or Yep. Yep.\n\nYeah. Oh, you have to start charging them for having mowing their their lawn. Oh, yep. Wow. Oh, wow.\n\nThat's incredible. I've never owned goats myself, so that is definitely an experience. I'd be shocked. Wow. Yeah.\n\nWow. Yeah. Wow. That's incredible. That's amazing.\n\nWow. Well, that's really cool. Thank you for updating. That's fantastic. It's good to know.\n\nI'll keep that in mind if they're no. I find anyone with goats. Definitely not something I would wonder. I heard they smell really bad. Is that right?\n\nYep. Okay. Cool. That's cool. Yeah.\n\nWow. Yeah. Wow. Yep. Wow.\n\nThat's that's amazing. Yeah. That's amazing because the females would have the pheromones for mating season, so you'd think that they would have more of an odor to them, but that's interesting. Yeah. Well, that's right.\n\nYeah. Yeah. Yeah. Wow. Yep.\n\nOh, no. That's perfect. All good. Lyle, I have just tallied up the scores here for your risk profile question. You have scored within that growth risk profile.\n\nSo, generally, a growth investor does see about 80% of their super invested in growth assets, so things like Australian shares, international shares, some property, and also some commodities like gold and silver. You would generally also see about 20% in low risk defensive investments like cash bonds and fixed interest. So having a mixed load helps with diversifying and helping to spread your risk level, which over the course of time can help to reduce the risk. Growth investments where you get the greater potential returns and defensive investments to help sort of spread the this level and give you some income producing investments there as well. Are you happy looking to staying within that sort of asset allocation?\n\nYeah. Yeah. Yeah. Absolutely. This sort of profile fits someone who has at least six years before they're wanting to access their super.\n\nSo it definitely does sort of fit right within your time horizon, which is great. The growth investment, we would expect the likelihood of a a negative return, sorry, sort of one in every five years. And the expected return you're looking at for this would be about seven to 9% on a yearly basis. So that sort of fits within where you are, but as long as you're comfortable with that, that's okay. Yep.\n\nBeautiful. Absolutely. So where you are now and the reason we do wanna check that every year with you is as you get closer and closer to wanting to access your super, you'll find you don't wanna take as much risk in the market, and you really should the closer you get. If you sort of think back to the GFC when a lot of people did retire right around that point where everything dropped around late two thousand nine, a lot of people did cement those losses in their retirement years. So what we we don't want that to happen to you is that as we get closer as you get closer to the age of 67, we'll start to reduce your risk in the market, bring some more of those defensive investments in there, and tend to pull you back a little bit.\n\nBut for right now, that definitely does fit your time horizon. But it's also said if you feel like you wanna retire earlier than age 67, please let me know because I wanna make sure that we've got you in the right risk profile as well. Okay? Yeah. Perfect.\n\nPerfect. All good. I also just noticed here we don't really have any beneficiary nominations noted here for you. I know Michelle did have a conversation with you around that. If in the event you were to pass away, who do you want your super and your life insurance directed through to?\n\nWife. Yep. That's okay. And your wife's name is Samantha? Yep.\n\nBeautiful. Your two kids today? Adults? Or yeah. Wow.\n\nOkay. Beautiful. Would you want the super and the life insurance to go straight to Samantha and have her sort of directed out, or did you want to nominate your kids as well? The kids as well? Yeah.\n\nAwesome. Well, as part of the advice, if you like, I can put the estate planning in there and also kind of show you how you should nominate the beneficiaries to make sure it's the most tax effective way. Because with your super in your life insurance, if you were to pass away, with Samantha as your wife, she is your spouse. So under law, she can receive the benefit completely tax free. However, if you then also paid some to your adult children directly to them, they would actually pay tax on the taxable component.\n\nSo there is a way that that you can reduce the tax paid to the kids. If you're comfortable with me including that in the recommendations, I can do that for you. Yep. Perfect. So we want do you know how much you want to go to Samantha and how much you want paid to your kids?\n\nTo the kids? Yeah. Perfect. Beautiful. Not a problem.\n\nI can include the estate planning there for you, Lyle, and show you how to make those how to make those beneficiaries in the most tax effective way for you. Okay? Perfect. I know I have gone through a lot with you. Do you have any questions for me?\n\nDid you want me to break anything further down for you? Or no. Yeah. Yeah. That's okay.\n\nWell, what I'll do is I'll go back now with my beautiful team. We'll go through and do some research for you. Once we've got the advice document ready to go, it does take a couple of weeks to do all the research that we need to. And once we've got the advice document ready, we'll come back and I'll go through it with you so you can see what I'm recommending, the advantages, disadvantages, and the risks involved. How does that sound?\n\nYeah? Beautiful. Look. Before I do let you go, is there anything you want any other questions that you might have that sort of popped up at all or everything's covered? Yeah.\n\nBeautiful. I'll go back and complete that research there for you, Lyle. If anything does come up at any point that you wanted to, you know, touch base on any questions, you find, please let me know. I'm more than happy to make time to have a chat. Okay?\n\nMhmm. Thank you so much. You know? I'll let you go so you can have a restful evening. I hope you have a good night and a good rest of your week.\n\nThank you. Talk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lyle.","start":3.12,"end":3.84,"sentiment":"neutral","sentiment_score":0.12297544628381729},{"text":"This is Dana from OQ Financial.","start":3.84,"end":5.46,"sentiment":"neutral","sentiment_score":0.12974455704291663},{"text":"How are you this afternoon?","start":5.52,"end":6.66,"sentiment":"neutral","sentiment_score":0.1776185989379883},{"text":"Oh, lovely.","start":15.6449995,"end":16.385,"sentiment":"positive","sentiment_score":0.39614713191986084},{"text":"That sounds really nice.","start":16.445,"end":18.145,"sentiment":"positive","sentiment_score":0.5607031285762787}],"sentiment":"neutral","sentiment_score":0.2604009477715743,"num_words":19,"start":3.12,"end":18.145},{"sentences":[{"text":"Oh, Lila, I did have you booked in for a bit of a catch up after you and the reviewers.","start":18.605,"end":22.365,"sentiment":"neutral","sentiment_score":0.19221190214157105},{"text":"Now is still a good time there for you?","start":22.365,"end":24.385,"sentiment":"neutral","sentiment_score":0.19197800093226963},{"text":"Yep.","start":26.685,"end":27.005001,"sentiment":"neutral","sentiment_score":0.0879192054271698},{"text":"Yep.","start":27.005001,"end":27.244999,"sentiment":"neutral","sentiment_score":0.14594458043575287},{"text":"Beautiful.","start":27.244999,"end":27.724998,"sentiment":"positive","sentiment_score":0.4637165069580078}],"sentiment":"neutral","sentiment_score":0.1959256357513368,"num_words":32,"start":18.605,"end":27.724998},{"sentences":[{"text":"I'll try try not to take too long there for you.","start":27.724998,"end":29.79,"sentiment":"neutral","sentiment_score":0.24174797941337933},{"text":"Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":29.79,"end":34.43,"sentiment":"neutral","sentiment_score":0.09134000136206548},{"text":"Are you happy for me to proceed with that?","start":34.43,"end":36.45,"sentiment":"neutral","sentiment_score":0.14779708286126456},{"text":"Yep.","start":38.11,"end":38.43,"sentiment":"neutral","sentiment_score":0.12306948006153108},{"text":"Beautiful.","start":38.43,"end":38.91,"sentiment":"positive","sentiment_score":0.3608682453632355}],"sentiment":"neutral","sentiment_score":0.14490215820462807,"num_words":46,"start":27.724998,"end":38.91},{"sentences":[{"text":"And as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly.","start":38.91,"end":43.49,"sentiment":"neutral","sentiment_score":0.12879134267568587},{"text":"Just get you to confirm for me just your full name, your date of birth, and address I should have on file.","start":43.875,"end":48.295,"sentiment":"neutral","sentiment_score":0.07872984372079372},{"text":"Yep.","start":55.714996,"end":56.214996,"sentiment":"neutral","sentiment_score":0.01127796433866024},{"text":"Beautiful.","start":58.68,"end":59.16,"sentiment":"positive","sentiment_score":0.39504319429397583},{"text":"Thank you so much for that.","start":59.16,"end":60.94,"sentiment":"positive","sentiment_score":0.5770663321018219}],"sentiment":"neutral","sentiment_score":0.16353205133229495,"num_words":50,"start":38.91,"end":60.94},{"sentences":[{"text":"While I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there.","start":61.48,"end":65.88,"sentiment":"neutral","sentiment_score":0.1858129223378805},{"text":"I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole.","start":65.88,"end":72.485,"sentiment":"neutral","sentiment_score":0.14890507429838182},{"text":"But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you.","start":72.545,"end":78.805,"sentiment":"neutral","sentiment_score":0.10722643206827343},{"text":"Did she kinda give you a rundown on what was happening in the portfolio there at all?","start":78.865,"end":83.125,"sentiment":"neutral","sentiment_score":0.02506792457664714},{"text":"Yeah.","start":95.3,"end":95.8,"sentiment":"neutral","sentiment_score":0.05980855226516723}],"sentiment":"neutral","sentiment_score":0.12347496964848868,"num_words":101,"start":61.48,"end":95.8},{"sentences":[{"text":"Yeah.","start":95.86,"end":96.36,"sentiment":"neutral","sentiment_score":0.13776257634162903},{"text":"Absolutely.","start":96.42,"end":96.92,"sentiment":"neutral","sentiment_score":0.30536678433418274},{"text":"I did pull up everything to have a bit of a look at it before we jumped in the call.","start":97.3,"end":100.82,"sentiment":"neutral","sentiment_score":0.32367556169629097},{"text":"So as a whole, your portfolio has been been doing quite well.","start":100.82,"end":103.905,"sentiment":"positive","sentiment_score":0.5255352084835371},{"text":"And look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see.","start":103.965,"end":110.465,"sentiment":"positive","sentiment_score":0.5084495813302372}],"sentiment":"positive","sentiment_score":0.4371474292456058,"num_words":57,"start":95.86,"end":110.465},{"sentences":[{"text":"But we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there.","start":110.685,"end":121.84,"sentiment":"neutral","sentiment_score":-0.20348708070814608},{"text":"One of their underlying investments, Corporate Traveler, was being a bit dishonest to the market and not being honest to their investors.","start":122.06,"end":128.48,"sentiment":"negative","sentiment_score":-0.573749452829361},{"text":"And that came out to the market at that particular point in time, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which obviously meant, because Bennelong had to hold them, that everyone's kinda going back and reevaluated Bennelong.","start":129.24501,"end":142.865,"sentiment":"neutral","sentiment_score":-0.29207338943429617},{"text":"So that part of your investment portfolio has been down quite significantly there.","start":143.01,"end":147.51,"sentiment":"negative","sentiment_score":-0.5251759313620054},{"text":"It's down by 19%.","start":147.89,"end":149.73,"sentiment":"negative","sentiment_score":-0.44388849288225174}],"sentiment":"negative","sentiment_score":-0.34240150547027587,"num_words":125,"start":110.685,"end":149.73},{"sentences":[{"text":"So as a whole for yourself, it's showing that your sorry.","start":149.73,"end":153.89,"sentiment":"neutral","sentiment_score":-0.32792362570762634},{"text":"I'm just having a quick look in hub twenty four to give you the figures.","start":153.89,"end":158.54999,"sentiment":"neutral","sentiment_score":-0.11359891543785731},{"text":"So in your portfolio, it's down by about $2,046 at the moment.","start":161.015,"end":166.055,"sentiment":"neutral","sentiment_score":-0.262118315945069},{"text":"So it is down.","start":166.055,"end":166.935,"sentiment":"neutral","sentiment_score":-0.2833995446562767},{"text":"What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so.","start":166.935,"end":180.31,"sentiment":"neutral","sentiment_score":-0.09728552743184324}],"sentiment":"neutral","sentiment_score":-0.15777090580745057,"num_words":91,"start":149.73,"end":180.31},{"sentences":[{"text":"Does that make sense?","start":180.31,"end":181.45,"sentiment":"neutral","sentiment_score":-0.011657176539301872},{"text":"Yeah.","start":183.43,"end":183.83,"sentiment":"neutral","sentiment_score":0.19211483001708984},{"text":"Excellent.","start":183.83,"end":184.33,"sentiment":"positive","sentiment_score":0.4099411368370056},{"text":"So one of the big things is, obviously, as a business, we are gonna move then along out of there.","start":186.405,"end":190.745,"sentiment":"neutral","sentiment_score":0.13966177254915238},{"text":"I just wanted to sort of find out a bit more about what sort of investment profile you should be in and get a bit more detail around what you wanna see from your investments there.","start":191.205,"end":199.89,"sentiment":"neutral","sentiment_score":0.12336985570275122}],"sentiment":"neutral","sentiment_score":0.12564479866095127,"num_words":62,"start":180.31,"end":199.89},{"sentences":[{"text":"Now with this the whole do you log in to Hub 24 very often to have a look at what's going on?","start":200.21,"end":207.19,"sentiment":"neutral","sentiment_score":0.02950737096199935},{"text":"How often's that?","start":214.495,"end":215.795,"sentiment":"neutral","sentiment_score":-0.012214843494196733},{"text":"Yeah.","start":223.455,"end":223.955,"sentiment":"neutral","sentiment_score":-0.007468188181519508},{"text":"Yeah.","start":224.255,"end":224.755,"sentiment":"neutral","sentiment_score":-0.008928496390581131},{"text":"No.","start":228.175,"end":228.675,"sentiment":"neutral","sentiment_score":-0.10316957533359528}],"sentiment":"neutral","sentiment_score":0.01760540609913213,"num_words":28,"start":200.21,"end":228.675},{"sentences":[{"text":"Of course.","start":228.975,"end":229.715,"sentiment":"neutral","sentiment_score":-0.08600636199116707},{"text":"Yep.","start":237.99,"end":238.49,"sentiment":"neutral","sentiment_score":0.015563542023301125},{"text":"No.","start":238.63,"end":238.87001,"sentiment":"neutral","sentiment_score":-0.05076732486486435},{"text":"That's okay.","start":238.87001,"end":239.69,"sentiment":"neutral","sentiment_score":-0.0015301583334803581},{"text":"When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that?","start":239.83,"end":250.625,"sentiment":"neutral","sentiment_score":0.09695316054561037}],"sentiment":"neutral","sentiment_score":0.08200984381420433,"num_words":53,"start":228.975,"end":250.625},{"sentences":[{"text":"Do you prefer to see all the investments and where the money is allocated, or is it not sort of as big of a an issue for you?","start":250.625,"end":265.12,"sentiment":"neutral","sentiment_score":-0.00581278997872557},{"text":"Yeah.","start":265.12,"end":265.59998,"sentiment":"neutral","sentiment_score":0.04103611037135124},{"text":"You do like the visibility side of things?","start":265.59998,"end":267.69998,"sentiment":"neutral","sentiment_score":0.1319362185895443},{"text":"Yeah.","start":267.84,"end":268.34,"sentiment":"neutral","sentiment_score":0.06853608042001724},{"text":"Yeah.","start":269.435,"end":269.755,"sentiment":"neutral","sentiment_score":0.053955577313899994}],"sentiment":"neutral","sentiment_score":0.027083574292751458,"num_words":39,"start":250.625,"end":269.755},{"sentences":[{"text":"No.","start":269.755,"end":269.915,"sentiment":"neutral","sentiment_score":0.01745811104774475},{"text":"That's okay.","start":269.915,"end":270.475,"sentiment":"neutral","sentiment_score":0.10719995945692062},{"text":"The main reason for the asking is we've also got some other portfolios that we could definitely look at moving you into, but we do need to do the research first.","start":270.475,"end":277.535,"sentiment":"neutral","sentiment_score":0.12471323772784203},{"text":"Essentially, over the course of the last twelve months, our investment 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quickly.","start":294.215,"end":315.97,"sentiment":"neutral","sentiment_score":0.2710224656916376},{"text":"Whereas the way things are at the moment with you having the visibility that you do, we have to be able to have these conversations and update the advice prior to making any changes to your portfolio.","start":317.07,"end":326.945,"sentiment":"neutral","sentiment_score":0.19946157408727183},{"text":"So I just wanted to gauge whether you wanted to keep that visibility in your portfolio or whether you wanted me to look at something like that separately managed account where you might lose some visibility, but we gain a bit more control around removing investments for you.","start":327.005,"end":340.99002,"sentiment":"neutral","sentiment_score":0.1458876272663474},{"text":"What would you like to see?","start":340.99002,"end":342.53,"sentiment":"neutral","sentiment_score":0.053331296890974045},{"text":"Yeah.","start":346.91,"end":347.15,"sentiment":"neutral","sentiment_score":0.07715025544166565}],"sentiment":"neutral","sentiment_score":0.20715929300717587,"num_words":159,"start":294.215,"end":347.15},{"sentences":[{"text":"More money for you?","start":347.15,"end":348.11002,"sentiment":"neutral","sentiment_score":0.04629096761345863},{"text":"Perfect.","start":348.11002,"end":348.61002,"sentiment":"neutral","sentiment_score":0.23193985223770144},{"text":"Yeah.","start":364.77502,"end":365.27502,"sentiment":"neutral","sentiment_score":0.03147783875465393},{"text":"Yeah.","start":377.97998,"end":378.47998,"sentiment":"neutral","sentiment_score":0.09842202067375184},{"text":"Okay.","start":378.69998,"end":379.19998,"sentiment":"neutral","sentiment_score":0.11927701532840727}],"sentiment":"neutral","sentiment_score":0.08328507468104362,"num_words":8,"start":347.15,"end":379.19998},{"sentences":[{"text":"Yeah.","start":380.115,"end":380.355,"sentiment":"neutral","sentiment_score":0.13414952158927915},{"text":"So the Benelong itself, that is down by about $2,046.","start":380.355,"end":386.115,"sentiment":"neutral","sentiment_score":0.07509923428297043},{"text":"That has definitely had a business effect in your portfolio 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you said you're looking at your hub 24 now.","start":489.98,"end":496.73502,"sentiment":"neutral","sentiment_score":0.09974774879713853},{"text":"If you're looking at the investment profile there, you can see you've got your BHYD, your food, your gold, your HAC, your IVs, your POCs, and the banner along below that.","start":496.875,"end":506.255,"sentiment":"neutral","sentiment_score":0.11089954152703285},{"text":"If you were if we were to move you into this separately managed account, essentially, what you would see in those lines that under the investments, you would see the o f u s m a product and the amount of money you have in those products, whichever blend that we can set up.","start":506.9,"end":520.605,"sentiment":"neutral","sentiment_score":0.04689417162013275}],"sentiment":"neutral","sentiment_score":0.08078446126200704,"num_words":117,"start":488.30002,"end":520.605},{"sentences":[{"text":"So you wouldn't actually see all the underlying investments there, but when the investment committee do do contact and do have their meetings, which at the moment is sort of every quarter, when they do make changes, we can email you through, like, change reports to show you what's being purchased, what's being sold, what's been happening, and the reasoning behind that.","start":520.845,"end":542.31995,"sentiment":"neutral","sentiment_score":0.06990405066960281},{"text":"The other alternative is we just keep the investments basically structured the way they are.","start":542.77997,"end":547.33997,"sentiment":"neutral","sentiment_score":0.08930044372876485},{"text":"I'll look at changing all of those for you and see what's gonna work out better for you in the long term.","start":547.33997,"end":553.125,"sentiment":"neutral","sentiment_score":0.16594654761932112},{"text":"But that you when you log in to Hub 24, you can see the investments essentially the way they are structured at the moment.","start":553.825,"end":559.34503,"sentiment":"neutral","sentiment_score":0.08560783260812362},{"text":"You can see where your money is allocated to.","start":559.34503,"end":561.825,"sentiment":"neutral","sentiment_score":0.06955291082461675}],"sentiment":"neutral","sentiment_score":0.09094656079612447,"num_words":132,"start":520.845,"end":561.825},{"sentences":[{"text":"Did you want that visibility you have now, or did you want me to look at something that can be structured and changed as needed?","start":561.825,"end":568.71,"sentiment":"neutral","sentiment_score":0.06030552595853805},{"text":"Yep.","start":574.77,"end":575.17004,"sentiment":"neutral","sentiment_score":0.1099907159805298},{"text":"So happy for me to look at the SMA?","start":575.17004,"end":577.03,"sentiment":"neutral","sentiment_score":0.2839168988996082},{"text":"Yeah.","start":577.73004,"end":578.23004,"sentiment":"neutral","sentiment_score":0.11521463096141817},{"text":"Yep.","start":579.25,"end":579.75,"sentiment":"neutral","sentiment_score":0.21951502561569217}],"sentiment":"neutral","sentiment_score":0.12182731382750175,"num_words":37,"start":561.825,"end":579.75},{"sentences":[{"text":"Perfect.","start":580.05005,"end":580.55005,"sentiment":"positive","sentiment_score":0.44210535287857056},{"text":"Yeah.","start":588.30505,"end":588.80505,"sentiment":"neutral","sentiment_score":0.019864989444613457},{"text":"Yeah.","start":590.78503,"end":591.28503,"sentiment":"neutral","sentiment_score":0.021963927894830704},{"text":"Yep.","start":594.385,"end":594.885,"sentiment":"neutral","sentiment_score":0.11429178714752196},{"text":"Yep.","start":596.465,"end":596.88,"sentiment":"neutral","sentiment_score":0.13377895951271057}],"sentiment":"neutral","sentiment_score":0.14640100337564946,"num_words":5,"start":580.05005,"end":596.88},{"sentences":[{"text":"Yeah.","start":597.04,"end":597.28,"sentiment":"neutral","sentiment_score":0.2063308358192444},{"text":"Absolutely.","start":597.28,"end":597.78,"sentiment":"neutral","sentiment_score":0.27852189540863037},{"text":"Yeah.","start":597.96,"end":598.46,"sentiment":"neutral","sentiment_score":0.21270830929279327},{"text":"Yep.","start":598.64,"end":599.14,"sentiment":"neutral","sentiment_score":0.2148478925228119},{"text":"Yep.","start":603.52,"end":604.02,"sentiment":"neutral","sentiment_score":0.06812726706266403}],"sentiment":"neutral","sentiment_score":0.19610724002122878,"num_words":5,"start":597.04,"end":604.02},{"sentences":[{"text":"Yeah.","start":604.4,"end":604.9,"sentiment":"neutral","sentiment_score":0.0418165922164917},{"text":"Yep.","start":614.175,"end":614.675,"sentiment":"neutral","sentiment_score":0.024980824440717697},{"text":"You 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there.","start":624.09503,"end":628.195,"sentiment":"neutral","sentiment_score":0.2983467328051726},{"text":"You've mentioned to me you're happy to look at that estimate.","start":628.44,"end":631.16003,"sentiment":"positive","sentiment_score":0.587990400466052}],"sentiment":"positive","sentiment_score":0.4584478907795115,"num_words":44,"start":619.695,"end":631.16003},{"sentences":[{"text":"You're happy to have us make alterations as we need to, which is gonna benefit you, which is fantastic.","start":631.16003,"end":636.14,"sentiment":"positive","sentiment_score":0.8106940984725952},{"text":"The other thing I just want to touch base on is having a look at where you are at the moment, and none of us ever wanna work forever, but what's essentially your goal for when you would like to access super and hopefully retire?","start":637.64,"end":649.015,"sentiment":"neutral","sentiment_score":0.19794019907712937},{"text":"What age are you thinking that would be preferable, Lyle?","start":649.015,"end":651.755,"sentiment":"neutral","sentiment_score":0.009595450013875961},{"text":"Yep.","start":656.94995,"end":657.44995,"sentiment":"neutral","sentiment_score":0.017588499933481216},{"text":"Yep.","start":670.645,"end":671.145,"sentiment":"neutral","sentiment_score":0.08843323588371277}],"sentiment":"neutral","sentiment_score":0.3225325403342906,"num_words":76,"start":631.16003,"end":671.145},{"sentences":[{"text":"Perfect.","start":672.645,"end":673.145,"sentiment":"positive","sentiment_score":0.5068731307983398},{"text":"Yeah.","start":675.365,"end":675.685,"sentiment":"neutral","sentiment_score":0.09229406714439392},{"text":"No.","start":675.685,"end":675.925,"sentiment":"neutral","sentiment_score":-0.09582125395536424},{"text":"That's okay.","start":675.925,"end":676.565,"sentiment":"neutral","sentiment_score":-0.046719676814973354},{"text":"So you're looking at sort of dropping hours around about age 67.","start":676.565,"end":680.07,"sentiment":"neutral","sentiment_score":-0.06067340075969696}],"sentiment":"neutral","sentiment_score":-0.018716130515231806,"num_words":17,"start":672.645,"end":680.07},{"sentences":[{"text":"Do you think there's a chance you might wanna reduce your hours before then?","start":680.07,"end":683.85004,"sentiment":"neutral","sentiment_score":-0.10930923478943962},{"text":"No.","start":687.99005,"end":688.15,"sentiment":"neutral","sentiment_score":-0.2358483374118805},{"text":"That's okay.","start":688.15,"end":688.97003,"sentiment":"neutral","sentiment_score":-0.12925438582897186},{"text":"And just double checking things.","start":689.83,"end":691.27,"sentiment":"neutral","sentiment_score":-0.03241945989429951},{"text":"So you're 52 in November.","start":691.27,"end":693.605,"sentiment":"neutral","sentiment_score":-0.003932100348174572}],"sentiment":"neutral","sentiment_score":-0.08172015545682774,"num_words":27,"start":680.07,"end":693.605},{"sentences":[{"text":"Is that right?","start":693.66504,"end":694.565,"sentiment":"neutral","sentiment_score":0.0070799533277750015},{"text":"Yeah.","start":696.305,"end":696.625,"sentiment":"neutral","sentiment_score":0.10391126573085784},{"text":"Perfect.","start":696.625,"end":697.105,"sentiment":"neutral","sentiment_score":0.27192243933677673},{"text":"Sorry.","start":697.105,"end":697.34503,"sentiment":"neutral","sentiment_score":-0.1473742127418518},{"text":"I'm very cautious.","start":697.34503,"end":698.245,"sentiment":"neutral","sentiment_score":-0.32100651661554974}],"sentiment":"neutral","sentiment_score":-0.07925779972639349,"num_words":9,"start":693.66504,"end":698.245},{"sentences":[{"text":"Never wanna make you older than you actually are.","start":698.305,"end":700.645,"sentiment":"neutral","sentiment_score":-0.26223810844951206},{"text":"All good.","start":701.985,"end":702.545,"sentiment":"positive","sentiment_score":0.40937650203704834},{"text":"So if we sort of work on age 67 as a base there for you, I can have a look at the different options, what it's gonna do, whether it's gonna provide you know, whether it's expected to provide greater benefit to you.","start":702.545,"end":713.94,"sentiment":"neutral","sentiment_score":0.184534972316997},{"text":"I'll look at the tax consequences around that as well to see what you know, so you can see the advantages, disadvantages, and the tax consequences of altering the portfolio as well.","start":713.94,"end":723.415,"sentiment":"neutral","sentiment_score":0.1169264919590205},{"text":"We are working towards about a fifteen year time horizon to the age of 67 at the moment.","start":724.115,"end":729.635,"sentiment":"neutral","sentiment_score":0.04494673324127992}],"sentiment":"neutral","sentiment_score":0.10523368056433705,"num_words":104,"start":698.305,"end":729.635},{"sentences":[{"text":"So I'll probably only project about the next sort of ten years just because there are a lot of factors in play there.","start":729.635,"end":736.34,"sentiment":"neutral","sentiment_score":-0.05397871946511061},{"text":"A lot of things in your life could change between now to age 67.","start":736.34,"end":740.28,"sentiment":"neutral","sentiment_score":-0.15476613278899873},{"text":"But once you do reach the age of 60, there are some other strategies that we can put in place where you might be able to keep your same take home pay, put more money into super, and draw a little bit out to, you know, give you some extra income.","start":740.9,"end":754.60504,"sentiment":"positive","sentiment_score":0.4336845231991188},{"text":"So we'll look at those other strategies when you're about 60 and see if that provides additional boosting to your retirement figure.","start":754.60504,"end":761.48505,"sentiment":"positive","sentiment_score":0.5219811309467662},{"text":"Does that sound okay?","start":761.48505,"end":762.945,"sentiment":"neutral","sentiment_score":0.315540187060833}],"sentiment":"neutral","sentiment_score":0.2759247360130151,"num_words":114,"start":729.635,"end":762.945},{"sentences":[{"text":"Yeah?","start":765.0,"end":765.5,"sentiment":"neutral","sentiment_score":0.139031320810318},{"text":"Anything helps?","start":766.28,"end":767.34,"sentiment":"neutral","sentiment_score":0.1684528961777687},{"text":"Thank you.","start":777.96,"end":778.78,"sentiment":"positive","sentiment_score":0.5028962790966034},{"text":"Perfect.","start":779.21497,"end":779.71497,"sentiment":"neutral","sentiment_score":0.15286430716514587},{"text":"Yeah.","start":787.295,"end":787.795,"sentiment":"neutral","sentiment_score":0.051023565232753754}],"sentiment":"neutral","sentiment_score":0.24080250625099456,"num_words":7,"start":765.0,"end":787.795},{"sentences":[{"text":"Yeah.","start":795.58,"end":796.08,"sentiment":"neutral","sentiment_score":0.03785067796707153},{"text":"It looks I that's okay.","start":797.5,"end":805.42004,"sentiment":"neutral","sentiment_score":0.08121980726718903},{"text":"I can tell you.","start":805.42004,"end":806.245,"sentiment":"neutral","sentiment_score":0.15251538529992104},{"text":"I'm just popping into the file there just to pull up the document to see when that was.","start":806.245,"end":811.94495,"sentiment":"neutral","sentiment_score":0.054888639599084854},{"text":"There's nothing in there.","start":816.00494,"end":817.38495,"sentiment":"neutral","sentiment_score":-0.06080491002649069}],"sentiment":"neutral","sentiment_score":0.056212097755633295,"num_words":32,"start":795.58,"end":817.38495},{"sentences":[{"text":"Sorry.","start":820.45,"end":820.85004,"sentiment":"neutral","sentiment_score":-0.05728878825902939},{"text":"Won't be a second.","start":820.85004,"end":822.07,"sentiment":"neutral","sentiment_score":-0.03637553099542856},{"text":"So I've got here this I've got here about 2022 was the first advice document.","start":826.05,"end":835.265,"sentiment":"neutral","sentiment_score":0.1155447651942571},{"text":"So you've been on board since then.","start":835.325,"end":837.105,"sentiment":"neutral","sentiment_score":0.2540527049984251},{"text":"Yeah.","start":840.205,"end":840.705,"sentiment":"neutral","sentiment_score":0.09019559621810912}],"sentiment":"neutral","sentiment_score":0.12139089631714992,"num_words":28,"start":820.45,"end":840.705},{"sentences":[{"text":"Yep.","start":843.805,"end":844.14,"sentiment":"neutral","sentiment_score":0.13202983140945437},{"text":"Yep.","start":850.22003,"end":850.72003,"sentiment":"neutral","sentiment_score":0.061944376677274704},{"text":"Yeah.","start":853.66003,"end":854.16003,"sentiment":"neutral","sentiment_score":0.019638963043689728},{"text":"No.","start":861.835,"end":862.155,"sentiment":"neutral","sentiment_score":-0.09394370019435884},{"text":"Yeah.","start":862.155,"end":862.655,"sentiment":"neutral","sentiment_score":-0.007774060592055321}],"sentiment":"neutral","sentiment_score":0.02237908206880093,"num_words":5,"start":843.805,"end":862.655},{"sentences":[{"text":"Yeah.","start":866.715,"end":867.215,"sentiment":"neutral","sentiment_score":0.2879006266593933},{"text":"Perfect.","start":867.43506,"end":867.93506,"sentiment":"positive","sentiment_score":0.4729321300983429},{"text":"Well, we'll definitely make it make sure it's working as hard as possible for you.","start":868.155,"end":871.76996,"sentiment":"neutral","sentiment_score":0.2568152993917465},{"text":"And if we move into the SMA product, it doesn't sort of stop the needle having regular reviews and catch ups and, you know, checking things because we still wanna make sure that that product is still working for you.","start":871.76996,"end":882.01,"sentiment":"neutral","sentiment_score":0.23935420364141463},{"text":"So we will review that every year with you working towards your goals.","start":882.01,"end":885.47,"sentiment":"neutral","sentiment_score":0.14220179961277887}],"sentiment":"neutral","sentiment_score":0.2290836255465235,"num_words":70,"start":866.715,"end":885.47},{"sentences":[{"text":"And when we can do additional strategies, absolutely looking at those as well.","start":886.005,"end":890.185,"sentiment":"neutral","sentiment_score":0.16239356536131638},{"text":"Is there any chance that you would be wanting to put extra money into super by way of salary sacrifice?","start":890.885,"end":895.945,"sentiment":"neutral","sentiment_score":0.01963921617716551},{"text":"Are you finding it's just too tight with expenditure at the moment?","start":896.005,"end":899.22504,"sentiment":"neutral","sentiment_score":-0.11540837896366914},{"text":"Yeah.","start":911.52,"end":911.805,"sentiment":"neutral","sentiment_score":-0.01142001524567604},{"text":"Yep.","start":913.565,"end":914.065,"sentiment":"neutral","sentiment_score":0.024583905935287476}],"sentiment":"neutral","sentiment_score":0.02408859609289372,"num_words":47,"start":886.005,"end":914.065},{"sentences":[{"text":"Yep.","start":922.445,"end":922.945,"sentiment":"neutral","sentiment_score":-0.002580704167485237},{"text":"Yep.","start":937.18,"end":937.665,"sentiment":"neutral","sentiment_score":-0.016111459583044052},{"text":"Yeah.","start":948.305,"end":948.70496,"sentiment":"neutral","sentiment_score":0.03478117287158966},{"text":"Absolutely.","start":948.70496,"end":949.20496,"sentiment":"neutral","sentiment_score":0.07715427875518799},{"text":"So June, July would look at that for you.","start":949.345,"end":951.745,"sentiment":"neutral","sentiment_score":0.0600437865489059}],"sentiment":"neutral","sentiment_score":0.04874133590895396,"num_words":13,"start":922.445,"end":951.745},{"sentences":[{"text":"Yep.","start":951.745,"end":952.08,"sentiment":"neutral","sentiment_score":0.02694631740450859},{"text":"Yeah.","start":954.56,"end":955.06,"sentiment":"neutral","sentiment_score":0.005319975782185793},{"text":"Helps.","start":962.48004,"end":962.98004,"sentiment":"neutral","sentiment_score":-0.03855748102068901},{"text":"Wow.","start":964.88,"end":965.085,"sentiment":"neutral","sentiment_score":-0.20178048312664032},{"text":"Yeah.","start":966.445,"end":966.945,"sentiment":"neutral","sentiment_score":-0.05179303139448166}],"sentiment":"neutral","sentiment_score":-0.05197294047102332,"num_words":5,"start":951.745,"end":966.945},{"sentences":[{"text":"No.","start":967.245,"end":967.645,"sentiment":"neutral","sentiment_score":-0.05057556182146072},{"text":"Fantastic.","start":967.645,"end":968.145,"sentiment":"neutral","sentiment_score":0.2492964267730713},{"text":"That sounds amazing.","start":968.445,"end":969.66504,"sentiment":"positive","sentiment_score":0.3833339214324951},{"text":"Whereabouts are you going on the cruise?","start":969.805,"end":971.325,"sentiment":"neutral","sentiment_score":0.055982066584484916},{"text":"Is it just local or you're going overseas for a bit?","start":971.325,"end":974.065,"sentiment":"neutral","sentiment_score":0.018750713291493328}],"sentiment":"neutral","sentiment_score":0.08464586702377899,"num_words":23,"start":967.245,"end":974.065},{"sentences":[{"text":"That sounds amazing.","start":988.13995,"end":989.27997,"sentiment":"positive","sentiment_score":0.44895076751708984},{"text":"Yeah.","start":989.74,"end":990.24,"sentiment":"neutral","sentiment_score":0.1557001918554306},{"text":"That'll be great.","start":990.3,"end":991.36,"sentiment":"neutral","sentiment_score":0.2726676066716512},{"text":"Yeah.","start":998.905,"end":999.22504,"sentiment":"neutral","sentiment_score":0.005842375569045544},{"text":"That's expensive, though, isn't it?","start":999.22504,"end":1000.745,"sentiment":"neutral","sentiment_score":-0.125996957719326}],"sentiment":"neutral","sentiment_score":0.1304933001072361,"num_words":13,"start":988.13995,"end":1000.745},{"sentences":[{"text":"The parcels have gone up a lot.","start":1000.745,"end":1002.525,"sentiment":"neutral","sentiment_score":-0.1733758385692324},{"text":"Wow.","start":1005.625,"end":1006.125,"sentiment":"neutral","sentiment_score":0.02702431008219719},{"text":"That's insane.","start":1008.36,"end":1009.18,"sentiment":"neutral","sentiment_score":0.09203384816646576},{"text":"As I said earlier, they see us all coming.","start":1013.08,"end":1015.18,"sentiment":"neutral","sentiment_score":0.020240720671912033},{"text":"Wow.","start":1017.72003,"end":1018.2,"sentiment":"neutral","sentiment_score":0.16361746191978457}],"sentiment":"neutral","sentiment_score":-0.03283774578012526,"num_words":20,"start":1000.745,"end":1018.2},{"sentences":[{"text":"No.","start":1018.2,"end":1018.44,"sentiment":"neutral","sentiment_score":0.11008279025554656},{"text":"That's absolutely fine.","start":1018.44,"end":1019.32,"sentiment":"positive","sentiment_score":0.43195722500483197},{"text":"We can definitely have a look at that for you.","start":1019.32,"end":1021.055,"sentiment":"positive","sentiment_score":0.6403078883886337},{"text":"And, look, that cruise sounds incredible.","start":1021.055,"end":1022.815,"sentiment":"positive","sentiment_score":0.7305651406447092},{"text":"Hopefully, you enjoy that.","start":1022.815,"end":1024.015,"sentiment":"positive","sentiment_score":0.737898588180542}],"sentiment":"positive","sentiment_score":0.6310007727394501,"num_words":24,"start":1018.2,"end":1024.015},{"sentences":[{"text":"That sounds, like, amazing.","start":1024.015,"end":1025.315,"sentiment":"positive","sentiment_score":0.7559589594602585},{"text":"I also just want to really double check your insurance side of things as well.","start":1026.095,"end":1029.455,"sentiment":"neutral","sentiment_score":0.1808683877189954},{"text":"So I know when you did your annual review with Michelle, she went to let you know about the level of cover you have.","start":1029.455,"end":1033.9349,"sentiment":"neutral","sentiment_score":0.048945470713078976},{"text":"You've got some life and TBD here.","start":1033.9349,"end":1036.195,"sentiment":"neutral","sentiment_score":0.0380177939576762},{"text":"It just sort of means that in the event of passing, your life cover is paid out.","start":1036.6399,"end":1040.5599,"sentiment":"neutral","sentiment_score":0.019574278253404534}],"sentiment":"neutral","sentiment_score":0.11209612296643987,"num_words":67,"start":1024.015,"end":1040.5599},{"sentences":[{"text":"You have a current sum insured of 268,250, and your super benefit is also sorry.","start":1040.5599,"end":1047.44,"sentiment":"neutral","sentiment_score":-0.008961614221334457},{"text":"I'm just looking at the wrong document.","start":1047.44,"end":1048.8398,"sentiment":"neutral","sentiment_score":-0.16675634256431035},{"text":"I do apologize.","start":1048.8398,"end":1049.7599,"sentiment":"neutral","sentiment_score":-0.14524812996387482},{"text":"Your life because I'm insured is 296,872.","start":1049.7599,"end":1054.535,"sentiment":"neutral","sentiment_score":-0.05757220262395484},{"text":"And then your super benefit is also paid out to your, beneficiary on passing as well.","start":1054.535,"end":1059.8351,"sentiment":"neutral","sentiment_score":0.00675501354271546}],"sentiment":"neutral","sentiment_score":-0.04234142089262605,"num_words":48,"start":1040.5599,"end":1059.8351},{"sentences":[{"text":"Does the current sum insured for your life cover are you comfortable with that?","start":1060.055,"end":1063.655,"sentiment":"neutral","sentiment_score":-0.015224991898451532},{"text":"Did you wanna look at altering that at all?","start":1063.655,"end":1065.495,"sentiment":"neutral","sentiment_score":-0.040877430596285395},{"text":"Or yep.","start":1065.495,"end":1070.7799,"sentiment":"neutral","sentiment_score":-0.05541663430631161},{"text":"Yep.","start":1073.3999,"end":1073.7999,"sentiment":"neutral","sentiment_score":0.0003765001893043518},{"text":"Dump truck.","start":1073.7999,"end":1074.7,"sentiment":"neutral","sentiment_score":-0.03869529813528061}],"sentiment":"neutral","sentiment_score":-0.027460504522813216,"num_words":28,"start":1060.055,"end":1074.7},{"sentences":[{"text":"No.","start":1078.115,"end":1078.355,"sentiment":"neutral","sentiment_score":-0.0914672315120697},{"text":"That's okay.","start":1078.355,"end":1079.155,"sentiment":"neutral","sentiment_score":-0.023079216480255127},{"text":"I've also got your total permanent disability cover here.","start":1079.155,"end":1082.115,"sentiment":"neutral","sentiment_score":0.020487484004762437},{"text":"So that essentially pays out either a pension amount or a lump sum benefit in the event that you're unable to ever go back to work again.","start":1082.115,"end":1089.255,"sentiment":"neutral","sentiment_score":0.007569587099607344},{"text":"TPD is a taxable income, so it is taxed if you are on claim under the age of 60.","start":1090.1951,"end":1096.17,"sentiment":"neutral","sentiment_score":-0.0060089660906477976}],"sentiment":"neutral","sentiment_score":0.0023615549575408987,"num_words":58,"start":1078.115,"end":1096.17},{"sentences":[{"text":"But the current sum insured is 296,872.","start":1096.17,"end":1100.89,"sentiment":"neutral","sentiment_score":0.008196290848510606},{"text":"And, again, if you are TBD, they're under permanent incapacity, we can get access to your super there as well.","start":1100.89,"end":1106.75,"sentiment":"neutral","sentiment_score":0.022191396274138242},{"text":"Are you comfortable with that level of cover you have for TBD?","start":1106.9149,"end":1109.895,"sentiment":"neutral","sentiment_score":-0.004190366831608117},{"text":"Did you wanna look at altering that at all?","start":1109.955,"end":1112.0549,"sentiment":"neutral","sentiment_score":-0.027803025622334745},{"text":"Happy with that?","start":1117.715,"end":1118.515,"sentiment":"neutral","sentiment_score":-0.2977946400642395}],"sentiment":"neutral","sentiment_score":-0.01358222728138607,"num_words":51,"start":1096.17,"end":1118.515},{"sentences":[{"text":"Yeah.","start":1118.515,"end":1118.6749,"sentiment":"neutral","sentiment_score":-0.03801961988210678},{"text":"That's okay.","start":1118.6749,"end":1119.495,"sentiment":"neutral","sentiment_score":0.03818219713866711},{"text":"That's alright.","start":1121.02,"end":1121.76,"sentiment":"neutral","sentiment_score":0.060950715094804764},{"text":"I've also got it noted here you don't have any income protection cover.","start":1122.14,"end":1125.74,"sentiment":"neutral","sentiment_score":-0.0432605747706615},{"text":"So in the event of, in the shorter term, being unable to go to work, you don't have anything as a monthly benefit to fall back on.","start":1125.74,"end":1132.38,"sentiment":"neutral","sentiment_score":-0.053950873100095324}],"sentiment":"neutral","sentiment_score":-0.041306996469696364,"num_words":45,"start":1118.515,"end":1132.38},{"sentences":[{"text":"But I can see that you do have some savings set aside there as well.","start":1132.38,"end":1136.72,"sentiment":"neutral","sentiment_score":0.10520646100242932},{"text":"You're comfortable not having any income protection?","start":1136.9149,"end":1139.495,"sentiment":"neutral","sentiment_score":-0.1897520444222859},{"text":"Yep.","start":1142.595,"end":1143.095,"sentiment":"neutral","sentiment_score":-0.040358856320381165},{"text":"Yeah.","start":1143.635,"end":1143.875,"sentiment":"neutral","sentiment_score":0.09187164902687071},{"text":"That's okay.","start":1143.875,"end":1144.695,"sentiment":"neutral","sentiment_score":0.20657671242952347}],"sentiment":"neutral","sentiment_score":0.027480723909460582,"num_words":26,"start":1132.38,"end":1144.695},{"sentences":[{"text":"And there is other types of insurance that you can hold as well, like trauma.","start":1144.835,"end":1148.615,"sentiment":"neutral","sentiment_score":0.04037762309114138},{"text":"Trauma, unlike the others, isn't paid inside too, but it does have to be paid out of your back pocket.","start":1148.755,"end":1153.62,"sentiment":"neutral","sentiment_score":0.0007109378464519977},{"text":"So it does come down to what your expenditure looks like, but trauma pays out a lump sum tax free benefit in the event of, like, a traumatic diagnosis, like, say, Parkinson's, having a heart attack, certain cancers as well.","start":1153.62,"end":1166.76,"sentiment":"neutral","sentiment_score":0.06663606844376772},{"text":"You don't have any trauma at the moment.","start":1167.375,"end":1169.375,"sentiment":"neutral","sentiment_score":-0.03851266810670495},{"text":"Did you wanna look at getting some trauma, or you're happy not worrying about it?","start":1169.375,"end":1173.0751,"sentiment":"neutral","sentiment_score":0.012223980327447256}],"sentiment":"neutral","sentiment_score":0.032250859194948356,"num_words":98,"start":1144.835,"end":1173.0751},{"sentences":[{"text":"Yeah.","start":1181.215,"end":1181.615,"sentiment":"neutral","sentiment_score":0.07360392063856125},{"text":"That's absolutely okay.","start":1181.615,"end":1182.87,"sentiment":"positive","sentiment_score":0.431523064772288},{"text":"I just need to make sure I go through those with you and make sure that you're comfortable with that.","start":1182.95,"end":1187.51,"sentiment":"neutral","sentiment_score":0.31923813447356225},{"text":"If you ever decide you wanna look at insurances, let me know.","start":1187.51,"end":1190.71,"sentiment":"neutral","sentiment_score":0.17724857293069363},{"text":"I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and what?","start":1190.71,"end":1197.245,"sentiment":"neutral","sentiment_score":0.2994223145338205}],"sentiment":"neutral","sentiment_score":0.28491772350765043,"num_words":62,"start":1181.215,"end":1197.245},{"sentences":[{"text":"Yeah?","start":1197.785,"end":1198.285,"sentiment":"neutral","sentiment_score":0.09531150758266448},{"text":"Beautiful.","start":1199.545,"end":1200.045,"sentiment":"positive","sentiment_score":0.4846462607383728},{"text":"And the last thing to run through is just updating your risk profile questionnaire.","start":1200.665,"end":1203.905,"sentiment":"neutral","sentiment_score":0.13087854028812476},{"text":"I just wanted to make sure that you are invested correctly because we are looking at updating your investment profile.","start":1203.905,"end":1209.245,"sentiment":"neutral","sentiment_score":0.11646266859024763},{"text":"Just wanting to make sure that you're invested in in line with your risk tolerance.","start":1209.8099,"end":1214.3099,"sentiment":"neutral","sentiment_score":0.13876608163118362}],"sentiment":"neutral","sentiment_score":0.1337843515417155,"num_words":51,"start":1197.785,"end":1214.3099},{"sentences":[{"text":"The first question here is just have you ever owned direct shares in your own name before?","start":1215.09,"end":1220.07,"sentiment":"neutral","sentiment_score":0.0027455706697176487},{"text":"You're right.","start":1223.33,"end":1223.73,"sentiment":"neutral","sentiment_score":0.013512357603758574},{"text":"Have you ever owned direct shares in your own name?","start":1223.73,"end":1226.235,"sentiment":"neutral","sentiment_score":-0.012792668305337429},{"text":"Nope.","start":1228.2949,"end":1228.615,"sentiment":"neutral","sentiment_score":-0.11305557936429976},{"text":"That's okay.","start":1228.615,"end":1229.4349,"sentiment":"neutral","sentiment_score":-0.02679373510181904}],"sentiment":"neutral","sentiment_score":-0.006902197375893593,"num_words":32,"start":1215.09,"end":1229.4349},{"sentences":[{"text":"Beautiful.","start":1229.495,"end":1229.995,"sentiment":"neutral","sentiment_score":0.24910718202590945},{"text":"We're working here on a sorry.","start":1230.855,"end":1232.775,"sentiment":"neutral","sentiment_score":-0.0035240439077218375},{"text":"An age of about 67 for the time, and so it does sort of note here that you do have about fifteen years before you're wanting to access super.","start":1232.775,"end":1239.48,"sentiment":"neutral","sentiment_score":-0.053541921336075354},{"text":"I am correct in saying that you're happy for 67 to be your access age at the moment.","start":1239.48,"end":1244.2201,"sentiment":"neutral","sentiment_score":0.09899420705106524},{"text":"Yeah.","start":1246.6001,"end":1246.92,"sentiment":"neutral","sentiment_score":0.13293637335300446}],"sentiment":"neutral","sentiment_score":0.010728714547374032,"num_words":55,"start":1229.495,"end":1246.92},{"sentences":[{"text":"Cool.","start":1246.92,"end":1247.24,"sentiment":"neutral","sentiment_score":0.2150649130344391},{"text":"If that ever does change, please feel free to let me know as well.","start":1247.24,"end":1250.36,"sentiment":"neutral","sentiment_score":0.15413919942719595},{"text":"Okay?","start":1250.36,"end":1250.86,"sentiment":"neutral","sentiment_score":0.10854045301675797},{"text":"The next question here is asking if you did look at your super over the next sort of six months and you saw it had fallen by 20% due to external market factors, how might you be feeling?","start":1252.7151,"end":1262.5751,"sentiment":"neutral","sentiment_score":-0.016349362895676966},{"text":"Are you wanting to put more money into the investment?","start":1262.875,"end":1265.375,"sentiment":"neutral","sentiment_score":-0.0393119681160897}],"sentiment":"neutral","sentiment_score":0.022924354481801856,"num_words":64,"start":1246.92,"end":1265.375},{"sentences":[{"text":"It could be a buying opportunity.","start":1265.435,"end":1266.8151,"sentiment":"neutral","sentiment_score":0.1452783445517222},{"text":"Are you more likely to call us and see what we suggest you do, or are you feeling a bit concerned and wanting to move into a more secure investment?","start":1267.11,"end":1274.25,"sentiment":"neutral","sentiment_score":0.03976066689938307},{"text":"Yeah.","start":1278.23,"end":1278.73,"sentiment":"neutral","sentiment_score":0.03488986939191818},{"text":"Beautiful.","start":1279.59,"end":1279.99,"sentiment":"positive","sentiment_score":0.6233879327774048},{"text":"It's a really good answer.","start":1279.99,"end":1281.29,"sentiment":"positive","sentiment_score":0.6563080668449401}],"sentiment":"neutral","sentiment_score":0.13963507466711278,"num_words":43,"start":1265.435,"end":1281.29},{"sentences":[{"text":"Lovely.","start":1282.8251,"end":1283.3251,"sentiment":"positive","sentiment_score":0.527365505695343},{"text":"When you think about your sleep, are you comfortable taking on more risk to try and get greater potential returns?","start":1283.625,"end":1289.485,"sentiment":"neutral","sentiment_score":0.059555967897176744},{"text":"Do you think you'd be comfortable taking a moderate or medium amount of risk to get the best returns you can?","start":1289.545,"end":1295.22,"sentiment":"neutral","sentiment_score":0.00844975933432579},{"text":"Or are you concerned about the markets and not wanting to take any risk in the market?","start":1295.2999,"end":1299.4,"sentiment":"neutral","sentiment_score":-0.03410032303894267},{"text":"Yeah.","start":1306.82,"end":1307.32,"sentiment":"neutral","sentiment_score":-0.029281198978424072}],"sentiment":"neutral","sentiment_score":0.0214490519836545,"num_words":60,"start":1282.8251,"end":1307.32},{"sentences":[{"text":"Yeah.","start":1312.595,"end":1313.095,"sentiment":"neutral","sentiment_score":0.02190457656979561},{"text":"Yep.","start":1313.235,"end":1313.715,"sentiment":"neutral","sentiment_score":0.03283775597810745},{"text":"Do you feel like you'd be sort of in the middle, or do you feel like like, with the questions I just went through with the the top answer or the middle option, do you think you'd be in between that a little bit?","start":1313.715,"end":1323.9401,"sentiment":"neutral","sentiment_score":0.01966688843359324},{"text":"Yeah.","start":1325.76,"end":1326.16,"sentiment":"neutral","sentiment_score":0.08148565888404846},{"text":"Beautiful.","start":1326.16,"end":1326.66,"sentiment":"positive","sentiment_score":0.3488946557044983}],"sentiment":"neutral","sentiment_score":0.02813470287946984,"num_words":48,"start":1312.595,"end":1326.66},{"sentences":[{"text":"Excellent.","start":1327.12,"end":1327.62,"sentiment":"positive","sentiment_score":0.3650961518287658},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you never wanna borrow for that sort of investing?","start":1328.2401,"end":1337.06,"sentiment":"neutral","sentiment_score":0.02981223538517952},{"text":"Yep.","start":1342.025,"end":1342.425,"sentiment":"neutral","sentiment_score":-0.029992785304784775},{"text":"That's okay.","start":1342.425,"end":1343.225,"sentiment":"neutral","sentiment_score":-0.011462819762527943},{"text":"Have you ever thought about borrowing to, say, property or anything like that?","start":1343.225,"end":1346.925,"sentiment":"neutral","sentiment_score":-0.03726636761656174}],"sentiment":"neutral","sentiment_score":0.01675275358586357,"num_words":52,"start":1327.12,"end":1346.925},{"sentences":[{"text":"Yeah.","start":1360.02,"end":1360.52,"sentiment":"neutral","sentiment_score":-0.04172365367412567},{"text":"Yep.","start":1362.1001,"end":1362.6001,"sentiment":"neutral","sentiment_score":-0.03352115675806999},{"text":"Yeah.","start":1373.235,"end":1373.735,"sentiment":"neutral","sentiment_score":-0.06371712684631348},{"text":"Yeah.","start":1381.65,"end":1381.97,"sentiment":"neutral","sentiment_score":-0.012800832279026508},{"text":"Wow.","start":1381.97,"end":1382.47,"sentiment":"neutral","sentiment_score":0.014046642929315569}],"sentiment":"neutral","sentiment_score":-0.027543225325644016,"num_words":5,"start":1360.02,"end":1382.47},{"sentences":[{"text":"Yeah.","start":1385.1699,"end":1385.6699,"sentiment":"neutral","sentiment_score":0.009057237766683102},{"text":"It's a lot.","start":1385.73,"end":1386.63,"sentiment":"neutral","sentiment_score":0.005369165601829688},{"text":"Yeah.","start":1386.85,"end":1387.35,"sentiment":"neutral","sentiment_score":-0.015278536826372148},{"text":"No.","start":1388.77,"end":1389.01,"sentiment":"neutral","sentiment_score":-0.0928865447640419},{"text":"I can understand too.","start":1389.01,"end":1390.395,"sentiment":"neutral","sentiment_score":-0.10602773725986481}],"sentiment":"neutral","sentiment_score":-0.05071112960577011,"num_words":10,"start":1385.1699,"end":1390.395},{"sentences":[{"text":"Not a great experience to have in the past, so that's completely okay and understandable.","start":1390.555,"end":1394.415,"sentiment":"neutral","sentiment_score":-0.19581953485806783},{"text":"Are you guys renting where you are at the moment?","start":1394.875,"end":1397.055,"sentiment":"neutral","sentiment_score":-0.035893123224377634},{"text":"Yeah.","start":1399.035,"end":1399.515,"sentiment":"neutral","sentiment_score":-0.010115396231412888},{"text":"What sort of rent are you paying on a regular basis?","start":1399.515,"end":1401.935,"sentiment":"neutral","sentiment_score":-0.016220663335512985},{"text":"Okay.","start":1404.78,"end":1405.1,"sentiment":"neutral","sentiment_score":0.01633349433541298}],"sentiment":"neutral","sentiment_score":-0.09127456457109044,"num_words":38,"start":1390.555,"end":1405.1},{"sentences":[{"text":"That's actually not bad, isn't 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wow.","start":1500.305,"end":1501.185,"sentiment":"neutral","sentiment_score":-0.014780597761273386},{"text":"And with the goats, do you, like, milk them, or, like, what what's the main sort of reason for raising goats?","start":1501.185,"end":1507.745,"sentiment":"neutral","sentiment_score":-0.03075394504481838},{"text":"Are they just pets, or do you have a, like, a business idea for them?","start":1507.745,"end":1511.265,"sentiment":"neutral","sentiment_score":-0.025393124918142954},{"text":"Or yep.","start":1511.265,"end":1515.5499,"sentiment":"neutral","sentiment_score":0.002758696675300598},{"text":"Yep.","start":1516.17,"end":1516.67,"sentiment":"neutral","sentiment_score":0.11447320878505708}],"sentiment":"neutral","sentiment_score":-0.02283659300244436,"num_words":41,"start":1500.305,"end":1516.67},{"sentences":[{"text":"Perfect.","start":1518.17,"end":1518.67,"sentiment":"positive","sentiment_score":0.3606667220592499},{"text":"Lawn 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you plan to get some more?","start":1582.135,"end":1583.9751,"sentiment":"neutral","sentiment_score":0.016122544051281044},{"text":"Or Yep.","start":1583.9751,"end":1601.3099,"sentiment":"neutral","sentiment_score":-0.010308328084647655},{"text":"Yep.","start":1601.3099,"end":1601.8099,"sentiment":"neutral","sentiment_score":-0.028609244152903557}],"sentiment":"neutral","sentiment_score":0.013453281562154492,"num_words":12,"start":1576.4401,"end":1601.8099},{"sentences":[{"text":"Yeah.","start":1619.9701,"end":1620.4501,"sentiment":"neutral","sentiment_score":-0.02792644500732422},{"text":"Oh, you have to start charging them for having mowing their their lawn.","start":1620.4501,"end":1623.75,"sentiment":"neutral","sentiment_score":-0.06166636227415158},{"text":"Oh, yep.","start":1631.3301,"end":1631.91,"sentiment":"neutral","sentiment_score":-0.0022965860553085804},{"text":"Wow.","start":1634.475,"end":1634.975,"sentiment":"neutral","sentiment_score":0.041172780096530914},{"text":"Oh, 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amazing.","start":1663.205,"end":1664.105,"sentiment":"positive","sentiment_score":0.5240979790687561}],"sentiment":"neutral","sentiment_score":0.2921288013458252,"num_words":7,"start":1654.17,"end":1664.105},{"sentences":[{"text":"Wow.","start":1664.325,"end":1664.825,"sentiment":"positive","sentiment_score":0.33779287338256836},{"text":"Well, that's really cool.","start":1665.365,"end":1666.405,"sentiment":"positive","sentiment_score":0.4657120257616043},{"text":"Thank you for updating.","start":1666.405,"end":1667.605,"sentiment":"positive","sentiment_score":0.6231337189674377},{"text":"That's fantastic.","start":1667.605,"end":1668.425,"sentiment":"positive","sentiment_score":0.6572808921337128},{"text":"It's good to know.","start":1668.5651,"end":1669.525,"sentiment":"positive","sentiment_score":0.36151352524757385}],"sentiment":"positive","sentiment_score":0.4969194491704305,"num_words":15,"start":1664.325,"end":1669.525},{"sentences":[{"text":"I'll keep that in mind if they're 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that's amazing.","start":1699.715,"end":1701.015,"sentiment":"neutral","sentiment_score":0.3194948434829712},{"text":"Yeah.","start":1701.8099,"end":1702.3099,"sentiment":"neutral","sentiment_score":0.1383996158838272},{"text":"That's amazing because the females would have the pheromones for mating season, so you'd think that they would have more of an odor to them, but that's interesting.","start":1702.5299,"end":1709.9099,"sentiment":"neutral","sentiment_score":0.09967545539672885},{"text":"Yeah.","start":1713.73,"end":1714.065,"sentiment":"neutral","sentiment_score":-0.022189347073435783},{"text":"Well, that's right.","start":1718.1449,"end":1719.0449,"sentiment":"neutral","sentiment_score":-0.0717117649813493}],"sentiment":"neutral","sentiment_score":0.1014020070951018,"num_words":36,"start":1699.715,"end":1719.0449},{"sentences":[{"text":"Yeah.","start":1719.1849,"end":1719.6849,"sentiment":"neutral","sentiment_score":-0.016297128051519394},{"text":"Yeah.","start":1719.745,"end":1720.245,"sentiment":"neutral","sentiment_score":-0.013712100684642792},{"text":"Yeah.","start":1720.3849,"end":1720.8849,"sentiment":"neutral","sentiment_score":-0.01990468055009842},{"text":"Wow.","start":1722.225,"end":1722.725,"sentiment":"neutral","sentiment_score":-0.12667199969291687},{"text":"Yep.","start":1727.4249,"end":1727.85,"sentiment":"neutral","sentiment_score":-0.15304863452911377}],"sentiment":"neutral","sentiment_score":-0.06592690870165825,"num_words":5,"start":1719.1849,"end":1727.85},{"sentences":[{"text":"Oh, no.","start":1742.305,"end":1742.9451,"sentiment":"neutral","sentiment_score":-0.022737858816981316},{"text":"That's perfect.","start":1742.9451,"end":1743.845,"sentiment":"neutral","sentiment_score":0.20453831553459167},{"text":"All good.","start":1744.0651,"end":1744.885,"sentiment":"neutral","sentiment_score":0.3274781107902527},{"text":"Lyle, I have just tallied up the scores here for your risk profile question.","start":1745.505,"end":1748.9451,"sentiment":"neutral","sentiment_score":0.07929317147604056},{"text":"You have scored within that growth risk profile.","start":1748.9451,"end":1751.365,"sentiment":"neutral","sentiment_score":0.09187747724354267}],"sentiment":"neutral","sentiment_score":0.10227433405816555,"num_words":28,"start":1742.305,"end":1751.365},{"sentences":[{"text":"So, generally, a growth investor does see about 80% of their super invested in growth assets, so things like Australian shares, international shares, some property, and also some commodities like gold 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around that point where everything dropped around late two thousand nine, a lot of people did cement those losses in their retirement years.","start":1861.04,"end":1872.16,"sentiment":"neutral","sentiment_score":-0.1149088122881949},{"text":"So what we we don't want that to happen to you is that as we get closer as you get closer to the age of 67, we'll start to reduce your risk in the market, bring some more of those defensive investments in there, and tend to pull you back a little bit.","start":1872.16,"end":1885.695,"sentiment":"neutral","sentiment_score":-0.047890472243416984}],"sentiment":"neutral","sentiment_score":-0.014646363772194962,"num_words":145,"start":1834.895,"end":1885.695},{"sentences":[{"text":"But for right now, that definitely does fit your time horizon.","start":1885.695,"end":1888.755,"sentiment":"neutral","sentiment_score":0.257340744137764},{"text":"But it's also said if you feel like you wanna retire earlier than age 67, please let me know because I wanna make sure that we've got you in the right risk profile as well.","start":1888.815,"end":1898.1799,"sentiment":"neutral","sentiment_score":0.05935922371489661},{"text":"Okay?","start":1898.24,"end":1898.74,"sentiment":"neutral","sentiment_score":0.008425580337643623},{"text":"Yeah.","start":1900.08,"end":1900.58,"sentiment":"neutral","sentiment_score":-0.022688254714012143},{"text":"Perfect.","start":1905.12,"end":1905.62,"sentiment":"neutral","sentiment_score":0.2957526445388794}],"sentiment":"neutral","sentiment_score":0.10591450991223053,"num_words":49,"start":1885.695,"end":1905.62},{"sentences":[{"text":"Perfect.","start":1908.555,"end":1909.055,"sentiment":"neutral","sentiment_score":0.2693970501422882},{"text":"All good.","start":1909.435,"end":1910.175,"sentiment":"neutral","sentiment_score":0.27376268804073334},{"text":"I also just noticed here we don't really have any beneficiary nominations noted here for you.","start":1910.235,"end":1914.555,"sentiment":"neutral","sentiment_score":-0.02902419469319284},{"text":"I know Michelle did have a conversation with you around that.","start":1914.555,"end":1918.415,"sentiment":"neutral","sentiment_score":-0.026282030581073326},{"text":"If in the event you were to pass away, who do you want your super and your life insurance directed through to?","start":1918.555,"end":1924.1799,"sentiment":"neutral","sentiment_score":-0.04296755468980833}],"sentiment":"neutral","sentiment_score":-0.016958715931440774,"num_words":52,"start":1908.555,"end":1924.1799},{"sentences":[{"text":"Wife.","start":1926.72,"end":1927.22,"sentiment":"neutral","sentiment_score":-0.004517512861639261},{"text":"Yep.","start":1927.36,"end":1927.6799,"sentiment":"neutral","sentiment_score":0.04573730379343033},{"text":"That's okay.","start":1927.6799,"end":1928.32,"sentiment":"neutral","sentiment_score":0.08232252299785614},{"text":"And your wife's name is 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yeah.","start":1934.0,"end":1944.2051,"sentiment":"neutral","sentiment_score":0.045246364548802376},{"text":"Wow.","start":1944.2051,"end":1944.7051,"sentiment":"neutral","sentiment_score":0.12367165088653564}],"sentiment":"neutral","sentiment_score":0.10675924105776681,"num_words":9,"start":1932.08,"end":1944.7051},{"sentences":[{"text":"Okay.","start":1948.89,"end":1949.2101,"sentiment":"neutral","sentiment_score":0.2384592890739441},{"text":"Beautiful.","start":1949.2101,"end":1949.7101,"sentiment":"positive","sentiment_score":0.6415691375732422},{"text":"Would you want the super and the life insurance to go straight to Samantha and have her sort of directed out, or did you want to nominate your kids as well?","start":1949.85,"end":1957.9501,"sentiment":"neutral","sentiment_score":0.23602358996868134},{"text":"The kids as well?","start":1961.295,"end":1962.0951,"sentiment":"neutral","sentiment_score":0.09484316408634186},{"text":"Yeah.","start":1962.0951,"end":1962.415,"sentiment":"positive","sentiment_score":0.38963407278060913}],"sentiment":"neutral","sentiment_score":0.23594122223163905,"num_words":38,"start":1948.89,"end":1962.415},{"sentences":[{"text":"Awesome.","start":1962.415,"end":1962.735,"sentiment":"positive","sentiment_score":0.6227786540985107},{"text":"Well, as part of the advice, if you like, I can put the estate planning in there and also kind of show you how you should nominate the beneficiaries to make sure it's the most tax effective way.","start":1962.735,"end":1975.055,"sentiment":"positive","sentiment_score":0.3533407634026126},{"text":"Because with your super in your life insurance, if you were to pass away, with Samantha as your wife, she is your spouse.","start":1975.055,"end":1982.4401,"sentiment":"neutral","sentiment_score":0.18975935876369476},{"text":"So under law, she can receive the benefit completely tax free.","start":1982.4401,"end":1986.04,"sentiment":"neutral","sentiment_score":0.29288070039315656},{"text":"However, if you then also paid some to your adult children directly to them, they would actually pay tax on the taxable component.","start":1986.04,"end":1994.245,"sentiment":"neutral","sentiment_score":0.11823230722676152}],"sentiment":"neutral","sentiment_score":0.25370024672398966,"num_words":96,"start":1962.415,"end":1994.245},{"sentences":[{"text":"So there is a way that that you can reduce the tax paid to the kids.","start":1994.465,"end":1998.405,"sentiment":"neutral","sentiment_score":0.22493145894259214},{"text":"If you're comfortable with me including that in the recommendations, I can do that for you.","start":1998.625,"end":2003.045,"sentiment":"neutral","sentiment_score":0.2296894919127226},{"text":"Yep.","start":2004.9451,"end":2005.4451,"sentiment":"neutral","sentiment_score":0.18711277842521667},{"text":"Perfect.","start":2007.48,"end":2007.98,"sentiment":"positive","sentiment_score":0.3539855480194092},{"text":"So we want do you know how much you want to go to Samantha and how much you want paid to your kids?","start":2008.12,"end":2013.9,"sentiment":"neutral","sentiment_score":0.145607542084611}],"sentiment":"neutral","sentiment_score":0.19585977207150376,"num_words":57,"start":1994.465,"end":2013.9},{"sentences":[{"text":"To the kids?","start":2023.175,"end":2023.995,"sentiment":"neutral","sentiment_score":0.03685590128103892},{"text":"Yeah.","start":2024.295,"end":2024.695,"sentiment":"neutral","sentiment_score":0.19312062859535217},{"text":"Perfect.","start":2024.695,"end":2025.195,"sentiment":"positive","sentiment_score":0.39596566557884216},{"text":"Beautiful.","start":2026.695,"end":2027.195,"sentiment":"positive","sentiment_score":0.4849381446838379},{"text":"Not a problem.","start":2027.255,"end":2027.975,"sentiment":"positive","sentiment_score":0.3681570788224538}],"sentiment":"neutral","sentiment_score":0.25434037546316784,"num_words":9,"start":2023.175,"end":2027.975},{"sentences":[{"text":"I can include the estate planning there for you, Lyle, and show you how to make those how to make those beneficiaries in the most tax effective way for you.","start":2027.975,"end":2035.6,"sentiment":"positive","sentiment_score":0.41676542262236277},{"text":"Okay?","start":2035.74,"end":2036.24,"sentiment":"neutral","sentiment_score":0.1429055482149124},{"text":"Perfect.","start":2038.38,"end":2038.88,"sentiment":"neutral","sentiment_score":0.26778095960617065},{"text":"I know I have gone through a lot with you.","start":2039.34,"end":2041.42,"sentiment":"neutral","sentiment_score":0.10798633843660355},{"text":"Do you have any questions for me?","start":2041.42,"end":2043.1,"sentiment":"neutral","sentiment_score":0.05459224805235863}],"sentiment":"neutral","sentiment_score":0.2933807817800921,"num_words":49,"start":2027.975,"end":2043.1},{"sentences":[{"text":"Did you want me to break anything further down for you?","start":2043.1,"end":2045.8201,"sentiment":"neutral","sentiment_score":0.02062109722332521},{"text":"Or no.","start":2045.8201,"end":2049.5352,"sentiment":"neutral","sentiment_score":-0.05090744234621525},{"text":"Yeah.","start":2050.075,"end":2050.575,"sentiment":"neutral","sentiment_score":0.017492210492491722},{"text":"Yeah.","start":2052.395,"end":2052.895,"sentiment":"neutral","sentiment_score":0.06731577217578888},{"text":"That's okay.","start":2052.955,"end":2053.675,"sentiment":"neutral","sentiment_score":0.11042535305023193}],"sentiment":"neutral","sentiment_score":0.025333874913699487,"num_words":17,"start":2043.1,"end":2053.675},{"sentences":[{"text":"Well, what I'll do is I'll go back now with my beautiful team.","start":2053.675,"end":2056.155,"sentiment":"neutral","sentiment_score":0.16254553141502234},{"text":"We'll go through and do some research for you.","start":2056.155,"end":2057.995,"sentiment":"neutral","sentiment_score":0.12435837669505014},{"text":"Once we've got the advice document ready to go, it does take a couple of weeks to do all the research that we need to.","start":2057.995,"end":2063.75,"sentiment":"neutral","sentiment_score":0.08110983893275261},{"text":"And once we've got the advice document ready, we'll come back and I'll go through it with you so you can see what I'm recommending, the advantages, disadvantages, and the risks involved.","start":2063.75,"end":2071.91,"sentiment":"neutral","sentiment_score":0.10704135891865008},{"text":"How does that sound?","start":2071.91,"end":2072.97,"sentiment":"neutral","sentiment_score":0.08531909063458443}],"sentiment":"neutral","sentiment_score":0.10875497734824936,"num_words":83,"start":2053.675,"end":2072.97},{"sentences":[{"text":"Yeah?","start":2075.35,"end":2075.85,"sentiment":"neutral","sentiment_score":0.029351361095905304},{"text":"Beautiful.","start":2076.945,"end":2077.445,"sentiment":"positive","sentiment_score":0.7997756004333496},{"text":"Look.","start":2077.8252,"end":2078.225,"sentiment":"positive","sentiment_score":0.546857476234436},{"text":"Before I do let you go, is there anything you want any other questions that you might have that sort of popped up at all or everything's covered?","start":2078.225,"end":2084.885,"sentiment":"neutral","sentiment_score":0.04072395086820636},{"text":"Yeah.","start":2087.5051,"end":2088.0051,"sentiment":"neutral","sentiment_score":0.314048171043396}],"sentiment":"neutral","sentiment_score":0.08844697603490204,"num_words":32,"start":2075.35,"end":2088.0051},{"sentences":[{"text":"Beautiful.","start":2088.72,"end":2089.22,"sentiment":"positive","sentiment_score":0.7231330871582031},{"text":"I'll go back and complete that research there for you, Lyle.","start":2089.28,"end":2091.92,"sentiment":"positive","sentiment_score":0.5884946503422477},{"text":"If anything does come up at any point that you wanted to, you know, touch base on any questions, you find, please let me know.","start":2091.92,"end":2097.84,"sentiment":"neutral","sentiment_score":0.3037878781557083},{"text":"I'm more than happy to make time to have a chat.","start":2097.84,"end":2100.1,"sentiment":"positive","sentiment_score":0.6512808420441367},{"text":"Okay?","start":2100.16,"end":2100.66,"sentiment":"neutral","sentiment_score":0.230998694896698}],"sentiment":"positive","sentiment_score":0.4527828398407722,"num_words":49,"start":2088.72,"end":2100.66},{"sentences":[{"text":"Mhmm.","start":2103.1648,"end":2103.4048,"sentiment":"neutral","sentiment_score":0.1621345579624176},{"text":"Thank you so much.","start":2103.4048,"end":2104.365,"sentiment":"positive","sentiment_score":0.7822171598672867},{"text":"You know?","start":2104.365,"end":2104.765,"sentiment":"positive","sentiment_score":0.47116392850875854},{"text":"I'll let you go so you can have a restful evening.","start":2104.765,"end":2106.9248,"sentiment":"positive","sentiment_score":0.5968325354836204},{"text":"I hope you have a good night and a good rest of your week.","start":2106.9248,"end":2109.505,"sentiment":"positive","sentiment_score":0.673058135168893}],"sentiment":"positive","sentiment_score":0.631915713660419,"num_words":32,"start":2103.1648,"end":2109.505},{"sentences":[{"text":"Thank you.","start":2111.843,"end":2112.483,"sentiment":"positive","sentiment_score":0.7586642801761627},{"text":"Talk soon.","start":2112.483,"end":2113.123,"sentiment":"positive","sentiment_score":0.5040141344070435},{"text":"See you later.","start":2113.123,"end":2113.943,"sentiment":"positive","sentiment_score":0.4213135441144307},{"text":"Bye.","start":2115.843,"end":2116.343,"sentiment":"neutral","sentiment_score":-0.12174516171216963}],"sentiment":"positive","sentiment_score":0.45844403747469187,"num_words":8,"start":2111.843,"end":2116.343}]}}]},{"alternatives":[{"transcript":"Hello. Lowell speaking. Oh, not too bad. Better now. Because you're running out of good time. So I just I mean, frustrated all day. I've spent someone at a hot night clock shower. Yep. Law business office. Hundred And 10 Christiansville Drive, 394737 611974. Yep. She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me. Yeah. Every time I remember the login. Well, I was there once a week when I was doing night shift because I was bored. I was just tired of me fine, but I'm a truck driver now. I don't hardly go on my phone. So it's it's not as not as much what I used to. I should be checking on a bit more. But No. I I I I say no. I can see where where where you got investing your money into. Yeah. Well, I'd rather say you could get more money for me. But if if you what's better for you for me not to see that, we will adjust to how you guys benefits me in the long run. Like, I I've just opened up I I've just opened up before forty an hour. Now. But last time I've seen it was 279,000, so it's only in 5,000. Then I'll take in the cell. Yeah. Nine nine eight. Yes. If he if he get better or or I'm happy if you need to change things around. I'm happy for you. Normally, when when you guys buy stuff, I normally get a email saying this is where you just invested my money into. So it really it doesn't really need to be on my portfolio then, really, because I thought I did late in the email. I can always see where my money is going to. Yes. Yeah. No. I've been doctor as as needed, I think. Yeah. Because when you send me the email, I I have a look through that. Like, I I don't fully understand it, but I know that you've got using me to buy things to get more money we can return. Well, I'll I'll come over and put my money in with you. So I'll let you handle it. Because I don't really know much about it. All I know is me me employee puts money into me too far. Then when I retire, I I I can use it. Well, 67. Probably when I'm 67, I probably won't work full time. I'll probably go more casual. Like, we only work a couple days a week and welcome. Use a little bit of every year. Mhmm. So I'm really, really out working here. Probably not. No. Yeah. Yeah. But yeah. I don't think there's anything else. I I was I sort of trust trust you guys with me money. So because when I when I first come over to you guys, look, I only had a 152,000 in in this paper. I just can't remember what year I should join you as well. I think it was it's been a while, but I've been with you now. I think it was '20 '3. Might be '23 or '22. I'll come over. In in four years. That let me see if it was it was when I started in Meatworx years ago when I was a young kid. I was I was in Meatworx for nearly nineteen years, and like, nineteen years in meat works, a 152 gram was it wasn't really really much. But since I've been with you, like, you guys have nearly nearly double one money in four years. Probably at the moment, I'm trying to work out, like because I'm over 110,000 a year. Like, I'm close to $120 a year now on the job I'm on if I stay there. I'm trying to work out which way is it better. Like, I'm I'm doing health private health insurance cycle. I'm just I'm probably gonna probably wait till that end of the year, and I'm gonna do the tax to see how it's if I'm gonna pay tax or am I gonna get money back. I probably ran about towards probably when I do the tax. It's probably bigger than this. Hell, I'm gonna get I'm gonna put money in these people or not. Oh, I I want to, but I'm going on the cruise at the end of the month and I got on a cruise, but every little bit of money at the moment is what helps me put away at the moment. Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of. Yeah. For seven days in October. I had to go and get a passport two weeks ago because I didn't need a passport to go over there. So That's perfect. 450. That's it. That's it. Alright. I'll I'll buy you it. Probably not at this at this stage. I'll I'll probably will a little bit later than that. Probably not just at the moment. No. Not really not really. No. Not not Not yet. Not at the moment. Yeah. Probably not at this stage. Yep. What was that, ma'am? Not. At the moment. Yeah. I'll probably ring you up and ask you for a pen. I'll take a little bit of a gamble, but long long long as it's not too much. But they probably take a little bit of a risk. I guess. Yes. Probably at this stage. No. I have. Yeah. But wife doesn't want the idea. Because up from within South and when we moved up here, we tried to keep it and tried to rent it out. And the price of living, paying rent up here, paying household. It was we were really struggling and probably it's all that place down there, paid it out. And we we only walked out with probably about $20 profit. Yeah. $4.50. Right? No. It's pretty good. Yeah. But, like, my mom just I told him he might have been a four year run and he's got me. Because when it's the house we're running we're running it's only a two bedroom house. And so I see the I can pay for that the same house in my car. You're paying up to about $8,800 a week. And and, like, the car where where I'm 24 k south of the car. And that's in in price in rent. Yeah. Well, okay. I'm I'm on Friday because we're we're we're out. What? I'm I'm at two acres of of the five and the rest of it's just. But, yeah, we I've got goats. We've had about seven goats here, but then they got into lantana. Lantana kills goats. So we end up lose a lot. If you guys eating antenna. Yeah. You got one left. Sorry. I I just ate the grass. Long long grass. Yeah. I did did buy a mile and he got a little bit because he was very female. He was when we first got in, he was a friendly thing. You could do anything to him. You can sit on his back and do anything with him, and he just had to get a little bit funny. I don't know if it was just another goat around. I don't know if anyone else has got goat there. And did not think he just smelled, but I was seeing my goat with a hormone. So I said I said to me, talk to my wife, and I said, oh, I think we might just buy a female keep a female around here. And I like to see a couple of what's three we got three littles as a as a female, and it's a decent twin. Yeah. Yeah. So we've only got one left out of seven. So no. That is a little the one once this one, he goes. The next door neighbor wants to buy this one off. It's not that she's a pain in the ass, this one. We tie her up because she just wanders everywhere. And I don't like having animals down there, and she seems to go down there a fair bit. So I'll keep saying to what? You're tired. I tired up. And the next to my baby says, oh, no. No. Let her ride because she comes up and eats food grass up this place. Daddy wants a I wanna I first got my parents go, are you you're a good boy and go, okay, eat anything? Clothes or clothes on? Not not not once have I purchased clothes or clothes on. Not one. The male one. The male one. Yeah. The male one. He absolutely stunk of time. And anything we couldn't do with him was barkeep. He did not let us put water on it. But probably probably probably probably probably when they're on heat, man. Yeah. They're the males. They are dirty guys because they piss on the piss or and everything like that. Like, he used to suck on it on his beetle all the time. You see, all the time, he's sucking on it. I don't know if you suck a dirty cat. Yes. Oh, I think so. I think that seems to be the the way for the gain money outside. Yep. Okay. Like, even change, like, if you if you guys so notice that when that time comes, you can probably change that, couldn't you? No. I think I could probably go to 67 if I take them when I'm done. Probably walking too quick. Yeah. Oh, they're at $1.20 20. Should be 24 of the total. And the other one's $20.21 in October. Yeah. Probably 50% of the meters and probably 25 the same age for the kids. Yep. No. No. No. Okay. Alright. I'll go to let me see what I'm doing. No. I didn't. You covered everything. Yep. Hi, guys. Thanks, pal. 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Lowell speaking. Oh, not too bad. Better now. Because you're running out of good time.\n\nSo I just I mean, frustrated all day. I've spent someone at a hot night clock shower. Yep. Law business office. Hundred And 10 Christiansville Drive, 394737 611974.\n\nYep. She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me. Yeah. Every time I remember the login. Well, I was there once a week when I was doing night shift because I was bored.\n\nI was just tired of me fine, but I'm a truck driver now. I don't hardly go on my phone. So it's it's not as not as much what I used to. I should be checking on a bit more. But No.\n\nI I I I say no. I can see where where where you got investing your money into. Yeah. Well, I'd rather say you could get more money for me. But if if you what's better for you for me not to see that, we will adjust to how you guys benefits me in the long run.\n\nLike, I I've just opened up I I've just opened up before forty an hour. Now. But last time I've seen it was 279,000, so it's only in 5,000. Then I'll take in the cell. Yeah.\n\nNine nine eight. Yes. If he if he get better or or I'm happy if you need to change things around. I'm happy for you. Normally, when when you guys buy stuff, I normally get a email saying this is where you just invested my money into.\n\nSo it really it doesn't really need to be on my portfolio then, really, because I thought I did late in the email. I can always see where my money is going to. Yes. Yeah. No.\n\nI've been doctor as as needed, I think. Yeah. Because when you send me the email, I I have a look through that. Like, I I don't fully understand it, but I know that you've got using me to buy things to get more money we can return. Well, I'll I'll come over and put my money in with you.\n\nSo I'll let you handle it. Because I don't really know much about it. All I know is me me employee puts money into me too far. Then when I retire, I I I can use it. Well, 67.\n\nProbably when I'm 67, I probably won't work full time. I'll probably go more casual. Like, we only work a couple days a week and welcome. Use a little bit of every year. Mhmm.\n\nSo I'm really, really out working here. Probably not. No. Yeah. Yeah.\n\nBut yeah. I don't think there's anything else. I I was I sort of trust trust you guys with me money. So because when I when I first come over to you guys, look, I only had a 152,000 in in this paper. I just can't remember what year I should join you as well.\n\nI think it was it's been a while, but I've been with you now. I think it was '20 '3. Might be '23 or '22. I'll come over. In in four years.\n\nThat let me see if it was it was when I started in Meatworx years ago when I was a young kid. I was I was in Meatworx for nearly nineteen years, and like, nineteen years in meat works, a 152 gram was it wasn't really really much. But since I've been with you, like, you guys have nearly nearly double one money in four years. Probably at the moment, I'm trying to work out, like because I'm over 110,000 a year. Like, I'm close to $120 a year now on the job I'm on if I stay there.\n\nI'm trying to work out which way is it better. Like, I'm I'm doing health private health insurance cycle. I'm just I'm probably gonna probably wait till that end of the year, and I'm gonna do the tax to see how it's if I'm gonna pay tax or am I gonna get money back. I probably ran about towards probably when I do the tax. It's probably bigger than this.\n\nHell, I'm gonna get I'm gonna put money in these people or not. Oh, I I want to, but I'm going on the cruise at the end of the month and I got on a cruise, but every little bit of money at the moment is what helps me put away at the moment. Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of. Yeah. For seven days in October.\n\nI had to go and get a passport two weeks ago because I didn't need a passport to go over there. So That's perfect. 450. That's it. That's it.\n\nAlright. I'll I'll buy you it. Probably not at this at this stage. I'll I'll probably will a little bit later than that. Probably not just at the moment.\n\nNo. Not really not really. No. Not not Not yet. Not at the moment.\n\nYeah. Probably not at this stage. Yep. What was that, ma'am? Not.\n\nAt the moment. Yeah. I'll probably ring you up and ask you for a pen. I'll take a little bit of a gamble, but long long long as it's not too much. But they probably take a little bit of a risk.\n\nI guess. Yes. Probably at this stage. No. I have.\n\nYeah. But wife doesn't want the idea. Because up from within South and when we moved up here, we tried to keep it and tried to rent it out. And the price of living, paying rent up here, paying household. It was we were really struggling and probably it's all that place down there, paid it out.\n\nAnd we we only walked out with probably about $20 profit. Yeah. $4.50. Right? No.\n\nIt's pretty good. Yeah. But, like, my mom just I told him he might have been a four year run and he's got me. Because when it's the house we're running we're running it's only a two bedroom house. And so I see the I can pay for that the same house in my car.\n\nYou're paying up to about $8,800 a week. And and, like, the car where where I'm 24 k south of the car. And that's in in price in rent. Yeah. Well, okay.\n\nI'm I'm on Friday because we're we're we're out. What? I'm I'm at two acres of of the five and the rest of it's just. But, yeah, we I've got goats. We've had about seven goats here, but then they got into lantana.\n\nLantana kills goats. So we end up lose a lot. If you guys eating antenna. Yeah. You got one left.\n\nSorry. I I just ate the grass. Long long grass. Yeah. I did did buy a mile and he got a little bit because he was very female.\n\nHe was when we first got in, he was a friendly thing. You could do anything to him. You can sit on his back and do anything with him, and he just had to get a little bit funny. I don't know if it was just another goat around. I don't know if anyone else has got goat there.\n\nAnd did not think he just smelled, but I was seeing my goat with a hormone. So I said I said to me, talk to my wife, and I said, oh, I think we might just buy a female keep a female around here. And I like to see a couple of what's three we got three littles as a as a female, and it's a decent twin. Yeah. Yeah.\n\nSo we've only got one left out of seven. So no. That is a little the one once this one, he goes. The next door neighbor wants to buy this one off. It's not that she's a pain in the ass, this one.\n\nWe tie her up because she just wanders everywhere. And I don't like having animals down there, and she seems to go down there a fair bit. So I'll keep saying to what? You're tired. I tired up.\n\nAnd the next to my baby says, oh, no. No. Let her ride because she comes up and eats food grass up this place. Daddy wants a I wanna I first got my parents go, are you you're a good boy and go, okay, eat anything? Clothes or clothes on?\n\nNot not not once have I purchased clothes or clothes on. Not one. The male one. The male one. Yeah.\n\nThe male one. He absolutely stunk of time. And anything we couldn't do with him was barkeep. He did not let us put water on it. But probably probably probably probably probably when they're on heat, man.\n\nYeah. They're the males. They are dirty guys because they piss on the piss or and everything like that. Like, he used to suck on it on his beetle all the time. You see, all the time, he's sucking on it.\n\nI don't know if you suck a dirty cat. Yes. Oh, I think so. I think that seems to be the the way for the gain money outside. Yep.\n\nOkay. Like, even change, like, if you if you guys so notice that when that time comes, you can probably change that, couldn't you? No. I think I could probably go to 67 if I take them when I'm done. Probably walking too quick.\n\nYeah. Oh, they're at $1.20 20. Should be 24 of the total. And the other one's $20.21 in October. Yeah.\n\nProbably 50% of the meters and probably 25 the same age for the kids. Yep. No. No. No.\n\nOkay. Alright. I'll go to let me see what I'm doing. No. I didn't.\n\nYou covered everything. Yep. Hi, guys. Thanks, pal. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.04070187732577324},{"text":"Lowell speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.04247899539768696},{"text":"Oh, not too bad.","start":7.8399997,"end":8.639999,"sentiment":"neutral","sentiment_score":0.010221163742244244},{"text":"Better now.","start":8.639999,"end":9.28,"sentiment":"neutral","sentiment_score":0.12140923738479614},{"text":"Because you're running out of good time.","start":9.28,"end":10.48,"sentiment":"neutral","sentiment_score":-0.14152143789189203}],"sentiment":"neutral","sentiment_score":-0.036330441711470485,"num_words":16,"start":1.28,"end":10.48},{"sentences":[{"text":"So I just I mean, frustrated all day.","start":10.48,"end":12.48,"sentiment":"negative","sentiment_score":-0.44870363734662533},{"text":"I've spent someone at a hot night clock shower.","start":12.48,"end":14.82,"sentiment":"negative","sentiment_score":-0.3458544777499305},{"text":"Yep.","start":37.219997,"end":37.719997,"sentiment":"neutral","sentiment_score":0.07849583029747009},{"text":"Law business office.","start":50.075,"end":51.195,"sentiment":"neutral","sentiment_score":0.009369962538282076},{"text":"Hundred And 10 Christiansville Drive, 394737 611974.","start":51.195,"end":58.0,"sentiment":"neutral","sentiment_score":0.013986236681895596}],"sentiment":"neutral","sentiment_score":-0.23206464370845684,"num_words":28,"start":10.48,"end":58.0},{"sentences":[{"text":"Yep.","start":79.825,"end":80.325,"sentiment":"neutral","sentiment_score":0.052585169672966},{"text":"She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me.","start":84.29,"end":95.43,"sentiment":"neutral","sentiment_score":-0.1337528501947721},{"text":"Yeah.","start":182.37999,"end":182.87999,"sentiment":"neutral","sentiment_score":0.05314715951681137},{"text":"Every time I remember the login.","start":208.11,"end":212.37,"sentiment":"neutral","sentiment_score":-0.01658954517915845},{"text":"Well, I was there once a week when I was doing night shift because I was bored.","start":216.925,"end":221.745,"sentiment":"neutral","sentiment_score":-0.06139476608265849}],"sentiment":"neutral","sentiment_score":-0.08940082539517719,"num_words":52,"start":79.825,"end":221.745},{"sentences":[{"text":"I was just tired of me fine, but I'm a truck driver now.","start":222.125,"end":225.745,"sentiment":"neutral","sentiment_score":-0.0886861809457724},{"text":"I don't hardly go on my phone.","start":225.80501,"end":227.485,"sentiment":"neutral","sentiment_score":-0.0878141809787069},{"text":"So it's it's not as not as much what I used to.","start":227.485,"end":232.89,"sentiment":"neutral","sentiment_score":-0.17742198581496874},{"text":"I should be checking on a bit more.","start":235.43,"end":237.18999,"sentiment":"neutral","sentiment_score":-0.05753708863630891},{"text":"But No.","start":237.18999,"end":260.18997,"sentiment":"neutral","sentiment_score":-0.0694192685186863}],"sentiment":"neutral","sentiment_score":-0.10704330226317757,"num_words":42,"start":222.125,"end":260.18997},{"sentences":[{"text":"I I I I say no.","start":260.18997,"end":260.83,"sentiment":"neutral","sentiment_score":-0.16107707222302756},{"text":"I can see where where where you got investing your money into.","start":260.83,"end":264.77,"sentiment":"neutral","sentiment_score":-0.09946233437707026},{"text":"Yeah.","start":268.50998,"end":269.00998,"sentiment":"neutral","sentiment_score":0.06954120099544525},{"text":"Well, I'd rather say you could get more money for me.","start":343.5,"end":347.12,"sentiment":"neutral","sentiment_score":0.08335896615277637},{"text":"But if if you what's better for you for me not to see that, we will adjust to how you guys benefits me in the long run.","start":347.58002,"end":364.10498,"sentiment":"neutral","sentiment_score":0.1376204294738946}],"sentiment":"neutral","sentiment_score":0.04460054348435318,"num_words":57,"start":260.18997,"end":364.10498},{"sentences":[{"text":"Like, I I've just opened up I I've just opened up before forty an hour.","start":364.485,"end":368.745,"sentiment":"neutral","sentiment_score":-0.0056098281095425286},{"text":"Now.","start":369.12,"end":369.28,"sentiment":"neutral","sentiment_score":-0.0232754647731781},{"text":"But last time I've seen it was 279,000, so it's only in 5,000.","start":369.28,"end":373.62,"sentiment":"neutral","sentiment_score":-0.0791916001874667},{"text":"Then I'll take in the cell.","start":374.88,"end":377.7,"sentiment":"neutral","sentiment_score":0.02235632762312889},{"text":"Yeah.","start":416.525,"end":416.76498,"sentiment":"neutral","sentiment_score":0.1012137085199356}],"sentiment":"neutral","sentiment_score":-0.025043389294296503,"num_words":36,"start":364.485,"end":416.76498},{"sentences":[{"text":"Nine nine eight.","start":416.76498,"end":417.82498,"sentiment":"neutral","sentiment_score":0.04588890199859937},{"text":"Yes.","start":418.76498,"end":419.26498,"sentiment":"neutral","sentiment_score":0.10336095839738846},{"text":"If he if he get better or or I'm happy if you need to change things around.","start":419.32498,"end":457.94,"sentiment":"neutral","sentiment_score":0.27334262321100516},{"text":"I'm happy for you.","start":458.4,"end":459.86002,"sentiment":"positive","sentiment_score":0.5986586809158325},{"text":"Normally, when when you guys buy stuff, I normally get a email saying this is where you just invested my money into.","start":460.64,"end":473.005,"sentiment":"neutral","sentiment_score":0.05409147014672106}],"sentiment":"neutral","sentiment_score":0.18026594310364824,"num_words":47,"start":416.76498,"end":473.005},{"sentences":[{"text":"So it really it doesn't really need to be on my portfolio then, really, because I thought I did late in the email.","start":475.145,"end":482.87997,"sentiment":"neutral","sentiment_score":0.07552285686783168},{"text":"I can always see where my money is going to.","start":485.18,"end":487.59998,"sentiment":"neutral","sentiment_score":0.13429869264364241},{"text":"Yes.","start":543.23,"end":543.73,"sentiment":"neutral","sentiment_score":0.08084692060947418},{"text":"Yeah.","start":570.46,"end":570.7,"sentiment":"neutral","sentiment_score":-0.0052018072456121445},{"text":"No.","start":570.7,"end":570.86,"sentiment":"neutral","sentiment_score":-0.09703759849071504}],"sentiment":"neutral","sentiment_score":0.08496167081304723,"num_words":36,"start":475.145,"end":570.86},{"sentences":[{"text":"I've been doctor as as needed, I think.","start":570.86,"end":574.32,"sentiment":"neutral","sentiment_score":-0.1361774718388915},{"text":"Yeah.","start":575.98004,"end":576.48004,"sentiment":"neutral","sentiment_score":0.16547396779060364},{"text":"Because when you send me the email, I I have a look through that.","start":580.64496,"end":585.365,"sentiment":"neutral","sentiment_score":0.1641062338437353},{"text":"Like, I I don't fully understand it, but I know that you've got using me to buy things to get more money we can return.","start":585.365,"end":595.545,"sentiment":"neutral","sentiment_score":0.023756114169955253},{"text":"Well, I'll I'll come over and put my money in with you.","start":596.46,"end":602.46,"sentiment":"neutral","sentiment_score":0.17926140067478022}],"sentiment":"neutral","sentiment_score":0.06864301882063349,"num_words":60,"start":570.86,"end":602.46},{"sentences":[{"text":"So I'll let you handle it.","start":602.46,"end":604.32,"sentiment":"neutral","sentiment_score":0.09734779844681422},{"text":"Because I don't really know much about it.","start":605.34,"end":607.42004,"sentiment":"neutral","sentiment_score":-0.03203599248081446},{"text":"All I know is me me employee puts money into me too far.","start":607.42004,"end":613.535,"sentiment":"neutral","sentiment_score":-0.02506250974077445},{"text":"Then when I retire, I I I can use it.","start":613.535,"end":617.39496,"sentiment":"neutral","sentiment_score":0.065345623716712},{"text":"Well, 67.","start":653.665,"end":656.17004,"sentiment":"neutral","sentiment_score":0.00596360908821225}],"sentiment":"neutral","sentiment_score":0.01711204306532939,"num_words":39,"start":602.46,"end":656.17004},{"sentences":[{"text":"Probably when I'm 67, I probably won't work full time.","start":658.63,"end":661.43,"sentiment":"neutral","sentiment_score":-0.10490413680672646},{"text":"I'll probably go more casual.","start":661.43,"end":663.67004,"sentiment":"neutral","sentiment_score":-0.005731228739023209},{"text":"Like, we only work a couple days a week and welcome.","start":663.67004,"end":666.89,"sentiment":"neutral","sentiment_score":0.05913572385907173},{"text":"Use a little bit of every year.","start":668.15,"end":670.155,"sentiment":"neutral","sentiment_score":0.11806160850184304},{"text":"Mhmm.","start":671.35504,"end":671.85504,"sentiment":"neutral","sentiment_score":0.10913348197937012}],"sentiment":"neutral","sentiment_score":0.01495177035822588,"num_words":34,"start":658.63,"end":671.85504},{"sentences":[{"text":"So I'm really, really out working here.","start":671.91504,"end":674.815,"sentiment":"positive","sentiment_score":0.38077172211238314},{"text":"Probably not.","start":686.08997,"end":686.73,"sentiment":"neutral","sentiment_score":-0.24257612228393555},{"text":"No.","start":686.73,"end":687.23,"sentiment":"neutral","sentiment_score":-0.20551466941833496},{"text":"Yeah.","start":763.975,"end":764.475,"sentiment":"neutral","sentiment_score":0.17537280917167664},{"text":"Yeah.","start":766.695,"end":767.015,"sentiment":"neutral","sentiment_score":0.1862136423587799}],"sentiment":"neutral","sentiment_score":0.19469346602757773,"num_words":12,"start":671.91504,"end":767.015},{"sentences":[{"text":"But yeah.","start":767.015,"end":770.77496,"sentiment":"neutral","sentiment_score":0.013866983354091644},{"text":"I don't think there's anything else.","start":770.77496,"end":772.475,"sentiment":"neutral","sentiment_score":-0.16807282964388529},{"text":"I I was I sort of trust trust you guys with me money.","start":773.67004,"end":777.19,"sentiment":"neutral","sentiment_score":0.031855783210350916},{"text":"So because when I when I first come over to you guys, look, I only had a 152,000 in in this paper.","start":777.19,"end":786.97003,"sentiment":"neutral","sentiment_score":0.0647681076079607},{"text":"I just can't remember what year I should join you as well.","start":789.135,"end":791.455,"sentiment":"neutral","sentiment_score":0.025209412599603336}],"sentiment":"neutral","sentiment_score":0.021106063439087434,"num_words":55,"start":767.015,"end":791.455},{"sentences":[{"text":"I think it was it's been a while, but I've been with you now.","start":791.455,"end":794.99506,"sentiment":"neutral","sentiment_score":0.025709525349416902},{"text":"I think it was '20 '3.","start":796.895,"end":798.35504,"sentiment":"neutral","sentiment_score":0.018367784097790718},{"text":"Might be '23 or '22.","start":799.695,"end":801.875,"sentiment":"neutral","sentiment_score":0.014703367091715335},{"text":"I'll come over.","start":803.35,"end":804.17,"sentiment":"neutral","sentiment_score":0.033047168826063476},{"text":"In in four years.","start":842.03503,"end":843.09503,"sentiment":"neutral","sentiment_score":0.05433668941259384}],"sentiment":"neutral","sentiment_score":0.026879536220803857,"num_words":32,"start":791.455,"end":843.09503},{"sentences":[{"text":"That let me see if it was it was when I started in Meatworx years ago when I was a young kid.","start":844.59503,"end":849.895,"sentiment":"neutral","sentiment_score":0.06502854722467336},{"text":"I was I was in Meatworx for nearly nineteen years, and like, nineteen years in meat works, a 152 gram was it wasn't really really much.","start":850.515,"end":859.56,"sentiment":"neutral","sentiment_score":-0.00373146697305716},{"text":"But since I've been with you, like, you guys have nearly nearly double one money in four years.","start":861.69995,"end":866.19995,"sentiment":"neutral","sentiment_score":0.02143299884887205},{"text":"Probably at the moment, I'm trying to work out, like because I'm over 110,000 a 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about towards probably when I do the tax.","start":938.475,"end":943.26,"sentiment":"neutral","sentiment_score":-0.08355150778185237},{"text":"It's probably bigger than this.","start":943.32,"end":945.16003,"sentiment":"neutral","sentiment_score":-0.15705874264240266}],"sentiment":"neutral","sentiment_score":-0.05077711413947067,"num_words":70,"start":914.91,"end":945.16003},{"sentences":[{"text":"Hell, I'm gonna get I'm gonna put money in these people or not.","start":945.16003,"end":948.06,"sentiment":"neutral","sentiment_score":-0.10003865338288821},{"text":"Oh, I I want to, but I'm going on the cruise at the end of the month and I got on a cruise, but every little bit of money at the moment is what helps me put away at the moment.","start":948.76,"end":965.945,"sentiment":"neutral","sentiment_score":-0.02826743498771088},{"text":"Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of.","start":974.93,"end":985.67,"sentiment":"neutral","sentiment_score":0.019855979872359472},{"text":"Yeah.","start":986.305,"end":986.54504,"sentiment":"neutral","sentiment_score":0.03795524314045906},{"text":"For seven days in October.","start":986.54504,"end":988.565,"sentiment":"neutral","sentiment_score":0.05843730494379997}],"sentiment":"neutral","sentiment_score":-0.020640170773442993,"num_words":82,"start":945.16003,"end":988.565},{"sentences":[{"text":"I had to go and get a passport two weeks ago because I didn't need a passport to go over there.","start":992.22504,"end":998.065,"sentiment":"neutral","sentiment_score":-0.0038968768148195175},{"text":"So That's perfect.","start":998.065,"end":1000.07,"sentiment":"neutral","sentiment_score":-0.03161355356375376},{"text":"450.","start":1003.81,"end":1004.79,"sentiment":"neutral","sentiment_score":-0.02133825235068798},{"text":"That's it.","start":1005.17,"end":1005.81,"sentiment":"neutral","sentiment_score":-0.018108803778886795},{"text":"That's it.","start":1005.81,"end":1006.63,"sentiment":"neutral","sentiment_score":0.029702797532081604}],"sentiment":"neutral","sentiment_score":-0.00602845995333688,"num_words":29,"start":992.22504,"end":1006.63},{"sentences":[{"text":"Alright.","start":1008.45,"end":1008.95,"sentiment":"neutral","sentiment_score":0.114493690431118},{"text":"I'll I'll buy you it.","start":1008.98334,"end":1011.11,"sentiment":"neutral","sentiment_score":0.09656565124168992},{"text":"Probably not at this at this stage.","start":1067.3151,"end":1069.7151,"sentiment":"neutral","sentiment_score":-0.17635310547692434},{"text":"I'll I'll probably will a little bit later than that.","start":1069.7151,"end":1073.0951,"sentiment":"neutral","sentiment_score":-0.03621122110635042},{"text":"Probably not just at the moment.","start":1075.875,"end":1077.555,"sentiment":"neutral","sentiment_score":-0.12667281925678253}],"sentiment":"neutral","sentiment_score":-0.060665479941486286,"num_words":29,"start":1008.45,"end":1077.555},{"sentences":[{"text":"No.","start":1077.555,"end":1078.055,"sentiment":"neutral","sentiment_score":-0.1036534532904625},{"text":"Not really not really.","start":1115.2799,"end":1116.6399,"sentiment":"neutral","sentiment_score":-0.24270442873239517},{"text":"No.","start":1116.6399,"end":1117.1399,"sentiment":"neutral","sentiment_score":-0.28530675172805786},{"text":"Not not Not yet.","start":1117.455,"end":1141.7899,"sentiment":"neutral","sentiment_score":-0.29723527655005455},{"text":"Not at the 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me.","start":1408.705,"end":1414.2201,"sentiment":"neutral","sentiment_score":-0.040308366622775794},{"text":"Because when it's the house we're running we're running it's only a two bedroom house.","start":1414.2201,"end":1417.9,"sentiment":"neutral","sentiment_score":-0.06994333590070406},{"text":"And so I see the I can pay for that the same house in my car.","start":1417.9,"end":1423.12,"sentiment":"neutral","sentiment_score":-0.06881916802376509}],"sentiment":"neutral","sentiment_score":-0.047853626564822414,"num_words":55,"start":1407.825,"end":1423.12},{"sentences":[{"text":"You're paying up to about $8,800 a week.","start":1423.7051,"end":1426.285,"sentiment":"neutral","sentiment_score":-0.13788676634430885},{"text":"And and, like, the car where where I'm 24 k south of the car.","start":1428.905,"end":1434.2051,"sentiment":"neutral","sentiment_score":-0.04705202832285847},{"text":"And that's in in price in 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goats.","start":1482.855,"end":1485.995,"sentiment":"neutral","sentiment_score":-0.022248372435569763},{"text":"We've had about seven goats here, but then they got into lantana.","start":1486.295,"end":1489.755,"sentiment":"neutral","sentiment_score":-0.021082261732469004}],"sentiment":"neutral","sentiment_score":0.00045539987771663553,"num_words":43,"start":1467.5651,"end":1489.755},{"sentences":[{"text":"Lantana kills goats.","start":1490.295,"end":1491.835,"sentiment":"neutral","sentiment_score":-0.0909049113591512},{"text":"So we end up lose a lot.","start":1492.295,"end":1493.655,"sentiment":"neutral","sentiment_score":-0.14204087214810507},{"text":"If you guys eating antenna.","start":1493.655,"end":1495.85,"sentiment":"neutral","sentiment_score":-0.10864136964082718},{"text":"Yeah.","start":1497.91,"end":1498.23,"sentiment":"neutral","sentiment_score":-0.022765150293707848},{"text":"You got one 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doing.","start":2050.065,"end":2052.005,"sentiment":"neutral","sentiment_score":0.014107876224443316},{"text":"No.","start":2086.12,"end":2086.28,"sentiment":"neutral","sentiment_score":-0.23081792891025543},{"text":"I didn't.","start":2086.28,"end":2086.76,"sentiment":"neutral","sentiment_score":-0.23240306973457336}],"sentiment":"neutral","sentiment_score":-0.0456128266606746,"num_words":14,"start":2048.625,"end":2086.76},{"sentences":[{"text":"You covered everything.","start":2086.76,"end":2087.82,"sentiment":"neutral","sentiment_score":-0.0687642991542816},{"text":"Yep.","start":2101.475,"end":2101.975,"sentiment":"neutral","sentiment_score":0.17194989323616028},{"text":"Hi, guys.","start":2110.1628,"end":2110.723,"sentiment":"positive","sentiment_score":0.42268237471580505},{"text":"Thanks, pal.","start":2110.723,"end":2111.463,"sentiment":"positive","sentiment_score":0.7070368230342865},{"text":"Bye.","start":2114.803,"end":2115.303,"sentiment":"neutral","sentiment_score":0.23759588599205017}],"sentiment":"neutral","sentiment_score":0.27363236414061654,"num_words":9,"start":2086.76,"end":2115.303}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Lowell speaking.\n\nChannel 0: Hi, Lyle. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Oh, not too bad. Better now. Because you're running out of good time. So I just I mean, frustrated all day. I've spent someone at a hot night clock shower.\n\nChannel 0: Oh, lovely. That sounds really nice. Oh, Lila, I did have you booked in for a bit of a catch up after you and the reviewers. Now is still a good time there for you? Yep.\n\nYep. Beautiful. I'll try try not to take too long there for you. Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly. Just get you to confirm for me just your full name, your date of birth, and address I should have on file.\n\nChannel 1: Law business office. Hundred And 10 Christiansville Drive, 394737\n\nChannel 0: Yep.\n\nChannel 1: 611974.\n\nChannel 0: Beautiful. Thank you so much for that. While I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there. I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole. But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you.\n\nDid she kinda give you\n\nChannel 1: Yep.\n\nChannel 0: a rundown on what was happening in the portfolio there at all?\n\nChannel 1: She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me.\n\nChannel 0: Yeah. Yeah. Absolutely. I did pull up everything to have a bit of a look at it before we jumped in the call. So as a whole, your portfolio has been been doing quite well.\n\nAnd look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see. But we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there. One of their underlying investments, Corporate Traveler, was being a bit dishonest to the market and not being honest to their investors. And that came out to the market at that particular point in time, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which obviously meant, because Bennelong had to hold them, that everyone's kinda going back and reevaluated Bennelong. So that part of your investment portfolio has been down quite significantly there.\n\nIt's down by 19%. So as a whole for yourself, it's showing that your sorry. I'm just having a quick look in hub twenty four to give you the figures. So in your portfolio, it's down by about $2,046 at the moment. So it is down.\n\nWhat we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Excellent. So one of the big things is, obviously, as a business, we are gonna move then along out of there. I just wanted to sort of find out a bit more about what sort of investment profile you should be in and get a bit more detail around what you wanna see from your investments there. Now with this the whole do you log in to Hub 24 very often to have a look at what's going on?\n\nChannel 1: Every time I remember the login.\n\nChannel 0: How often's that?\n\nChannel 1: Well, I was there once a week when I was doing night shift because I was bored. I was just tired of me fine, but\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I'm a truck driver now. I don't hardly go on my phone. So\n\nChannel 0: No. Of course.\n\nChannel 1: it's it's not as not as much what I used to. I should be checking on a bit more. But\n\nChannel 0: Yep. No. That's okay. When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that? Do you prefer to see all the investments and where the money is allocated, or is it not sort of as big of a an issue for\n\nChannel 1: No. I I I I say no. I can see where where where you got investing your money into.\n\nChannel 0: you? Yeah. You do like the visibility side of things? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's okay. The main reason for the asking is we've also got some other portfolios that we could definitely look at moving you into, but we do need to do the research first. Essentially, over the course of the last twelve months, our investment our licensee and our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms, and we utilize their investment committee.\n\nWe essentially have built what's called a separately managed account. One of the benefits of having this sort of separately managed account is that while you lose a bit of visibility on where your money is invested, you having something like that, basically, when, say, Bennelong have this issue, being in a separately managed account allows us to make changes and to remove underperforming or investments that needs to be removed from the portfolio nice and quickly. Whereas the way things are at the moment with you having the visibility that you do, we have to be able to have these conversations and update the advice prior to making any changes to your portfolio. So I just wanted to gauge whether you wanted to keep that visibility in your portfolio or whether you wanted me to look at something like that separately managed account where you might lose some visibility, but we gain a bit more control around removing investments for you. What would you like to see?\n\nChannel 1: Well, I'd rather say you could get more money for me.\n\nChannel 0: Yeah. More money\n\nChannel 1: But\n\nChannel 0: for you?\n\nChannel 1: if\n\nChannel 0: Perfect.\n\nChannel 1: if you what's better for you for me not to see that, we will adjust to how you guys benefits me in the long run. Like, I\n\nChannel 0: Yeah.\n\nChannel 1: I've just opened up I I've just opened up before forty an hour. Now. But last time I've seen it was 279,000, so it's only in 5,000. Then I'll take in the cell.\n\nChannel 0: Yeah. Okay. Yeah. So the Benelong itself, that is down by about $2,046. That has definitely had a business effect in your portfolio there, and that's probably gonna be what you're seeing.\n\nSo we definitely wanna make sure that whatever we're doing with regarding the investments is providing more of a benefit to you. Did you want me to keep that visibility and maybe just look at maneuvering removing that Bennelong investment and keeping everything else? Or did you want me to sort of have a look at the whole portfolio and see what's gonna provide a benefit for you, if there's maybe a better portfolio, but also what the tax consequences might look like.\n\nChannel 1: Yeah. Nine nine eight. Yes. If he if he get better or\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Yeah. Absolutely. I'm also just pulling up for you just sort of the last annual review as well. Because in 2024, when we did the review then, your balance was about 225,076. So then for us to go up to about $2.78 when we did your annual review on the 02/02/2026, you have seen quite a decent increase there, but then there's a slight pullback because of that been a long being down a little bit.\n\nYeah.\n\nChannel 1: I'm happy if you need to change things around. I'm\n\nChannel 0: Yeah.\n\nChannel 1: happy for you. Normally, when when you guys buy stuff, I normally get a email saying this is where you just invested my money into.\n\nChannel 0: Yes.\n\nChannel 1: So it really it doesn't really need to be on my portfolio then, really, because I thought I did late in the email. I can always see where my money is going to.\n\nChannel 0: Yeah. Absolutely. Do you so the way if we looked at that separately managed account, when you sort of logged in to because you said you're looking at your hub 24 now. If you're looking at the investment profile there, you can see you've got your BHYD, your food, your gold, your HAC, your IVs, your POCs, and the banner along below that. If you were if we were to move you into this separately managed account, essentially, what you would see in those lines that under the investments, you would see the o f u s m a product and the amount of money you have in those products, whichever blend that we can set up.\n\nSo you wouldn't actually see all the underlying investments there, but when the investment committee do do contact and do have their meetings, which at the moment is sort of every quarter, when they do make changes, we can email you through, like, change reports to show you what's being purchased, what's being sold, what's been happening, and the reasoning behind that. The other\n\nChannel 1: Yes.\n\nChannel 0: alternative is we just keep the investments basically structured the way they are. I'll look at changing all of those for you and see what's gonna work out better for you in the long term. But that you when you log in to Hub 24, you can see the investments essentially the way they are structured at the moment. You can see where your money is allocated to. Did you want that visibility you have now, or did you want me to look at something that can be structured and changed as needed?\n\nChannel 1: Yeah. No. I've been doctor as as needed, I think.\n\nChannel 0: Yep. So happy for me to\n\nChannel 1: Yeah.\n\nChannel 0: look at the SMA? Yeah. Yep. Perfect.\n\nChannel 1: Because when you send me the email, I I have a look through that. Like, I I don't fully understand it, but I know\n\nChannel 0: Yeah.\n\nChannel 1: that you've got\n\nChannel 0: Yeah.\n\nChannel 1: using me to buy things to get more money\n\nChannel 0: Yep.\n\nChannel 1: we can return. Well,\n\nChannel 0: Yep. Yeah. Absolutely. Yeah. Yep.\n\nChannel 1: I'll I'll come over and put my money in with you. So I'll let you handle\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: Because I don't really know much about it. All I know is me me employee puts money into me too far. Then when I retire,\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: You\n\nChannel 1: I\n\nChannel 0: guys\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: can\n\nChannel 0: taken\n\nChannel 1: use\n\nChannel 0: that.\n\nChannel 1: it.\n\nChannel 0: Yeah. And that's the goal. That's perfect. No. Well, I'm absolutely happy to go back and have a look at that for you.\n\nI'll do the research around the SMA product as well as the other options there. You've mentioned to me you're happy to look at that estimate. You're happy to have us make alterations as we need to, which is gonna benefit you, which is fantastic. The other thing I just want to touch base on is having a look at where you are at the moment, and none of us ever wanna work forever, but what's essentially your goal for when you would like to access super and hopefully retire? What age are you thinking that would be preferable, Lyle?\n\nChannel 1: Well, 67.\n\nChannel 0: Yep.\n\nChannel 1: Probably when I'm 67, I probably won't work full time. I'll probably go more casual. Like, we only work a couple days a week and welcome. Use a little bit of every year.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm. So I'm really, really\n\nChannel 0: Perfect.\n\nChannel 1: out working here.\n\nChannel 0: Yeah. No. That's okay. So you're looking at sort of dropping hours around about age 67. Do you think there's a chance you might wanna reduce your hours before then?\n\nChannel 1: Probably not. No.\n\nChannel 0: No. That's okay. And just double checking things. So you're 52 in November. Is that right?\n\nYeah. Perfect. Sorry. I'm very cautious. Never wanna make you older than you actually are.\n\nAll good. So if we sort of work on age 67 as a base there for you, I can have a look at the different options, what it's gonna do, whether it's gonna provide you know, whether it's expected to provide greater benefit to you. I'll look at the tax consequences around that as well to see what you know, so you can see the advantages, disadvantages, and the tax consequences of altering the portfolio as well. We are working towards about a fifteen year time horizon to the age of 67 at the moment. So I'll probably only project about the next sort of ten years just because there are a lot of factors in play there.\n\nA lot of things in your life could change between now to age 67. But once you do reach the age of 60, there are some other strategies that we can put in place where you might be able to keep your same take home pay, put more money into super, and draw a little bit out to, you know, give you some extra income. So we'll look at those other strategies when you're about 60 and see if that provides additional boosting to your retirement figure. Does that sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah? Anything\n\nChannel 1: Yeah.\n\nChannel 0: helps?\n\nChannel 1: But yeah. I don't think there's anything else. I I was I sort of trust trust you guys with me money. So\n\nChannel 0: Thank you.\n\nChannel 1: because when I when\n\nChannel 0: Perfect.\n\nChannel 1: I first come over to you guys, look, I only had a 152,000 in in this paper.\n\nChannel 0: Yeah.\n\nChannel 1: I just can't remember what year I should join you as well. I think it was it's been a while, but I've been with you now.\n\nChannel 0: Yeah.\n\nChannel 1: I think it was\n\nChannel 0: It\n\nChannel 1: '20\n\nChannel 0: looks\n\nChannel 1: '3. Might be '23 or '22. I'll come over.\n\nChannel 0: I that's okay. I can tell you. I'm just popping into the file there just to pull up the document to see when that was. There's nothing in there. Sorry.\n\nWon't be a second. So I've got here this I've got here about 2022 was the first advice document. So you've been on board since then. Yeah.\n\nChannel 1: In in four years.\n\nChannel 0: Yep.\n\nChannel 1: That let me see if it was it was when I started in Meatworx years ago when I was a young kid.\n\nChannel 0: Yep.\n\nChannel 1: I was I was in Meatworx for nearly nineteen years, and\n\nChannel 0: Yeah.\n\nChannel 1: like, nineteen years in meat works, a 152 gram was it wasn't really really much. But\n\nChannel 0: No.\n\nChannel 1: since\n\nChannel 0: Yeah.\n\nChannel 1: I've been with you, like, you guys have nearly nearly double one money in four years.\n\nChannel 0: Yeah. Perfect. Well, we'll definitely make it make sure it's working as hard as possible for you. And if we move into the SMA product, it doesn't sort of stop the needle having regular reviews and catch ups and, you know, checking things because we still wanna make sure that that product is still working for you. So we will review that every year with you working towards your goals.\n\nAnd when we can do additional strategies, absolutely looking at those as well. Is there any chance that you would be wanting to put extra money into super by way of salary sacrifice? Are you finding it's just too tight with expenditure at the moment?\n\nChannel 1: Probably at the moment, I'm trying to work out, like because I'm over 110,000 a year. Like, I'm close to $120 a year now on the job I'm\n\nChannel 0: Yeah.\n\nChannel 1: on if I stay there.\n\nChannel 0: Yep.\n\nChannel 1: I'm trying to work out which way is it better. Like, I'm I'm doing health private health insurance\n\nChannel 0: Yep.\n\nChannel 1: cycle. I'm just I'm probably gonna probably wait till that end of the year, and I'm gonna do the tax to see how it's if I'm gonna pay tax or am I gonna get money back.\n\nChannel 0: Yep.\n\nChannel 1: I probably ran about towards probably when I do the tax. It's probably bigger than this. Hell, I'm gonna get I'm gonna put money in these people or not.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Oh, I I\n\nChannel 0: So June, July would look at that for you. Yep.\n\nChannel 1: want to, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm going on the cruise at the end of the month and I got on a cruise, but every little bit of money at the moment is\n\nChannel 0: Helps.\n\nChannel 1: what helps me put\n\nChannel 0: Wow.\n\nChannel 1: away at the moment.\n\nChannel 0: Yeah. No. Fantastic. That sounds amazing. Whereabouts are you going on the cruise?\n\nIs it just local or you're going overseas for a bit?\n\nChannel 1: Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of. Yeah. For seven days in October.\n\nChannel 0: That sounds amazing. Yeah. That'll be great.\n\nChannel 1: I had to go and get a passport two weeks ago because I didn't need a passport to go over there. So\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: That's expensive,\n\nChannel 1: perfect.\n\nChannel 0: though, isn't it? The parcels have gone up a lot.\n\nChannel 1: 450. That's it.\n\nChannel 0: Wow.\n\nChannel 1: That's it.\n\nChannel 0: That's\n\nChannel 1: Alright.\n\nChannel 0: insane.\n\nChannel 1: I'll I'll buy you it.\n\nChannel 0: As I said earlier, they see us all coming. Wow. No. That's absolutely fine. We can definitely have a look at that for you.\n\nAnd, look, that cruise sounds incredible. Hopefully, you enjoy that. That sounds, like, amazing. I also just want to really double check your insurance side of things as well. So I know when you did your annual review with Michelle, she went to let you know about the level of cover you have.\n\nYou've got some life and TBD here. It just sort of means that in the event of passing, your life cover is paid out. You have a current sum insured of 268,250, and your super benefit is also sorry. I'm just looking at the wrong document. I do apologize.\n\nYour life because I'm insured is 296,872. And then your super benefit is also paid out to your, beneficiary on passing as well. Does the current sum insured for your life cover are you comfortable with that? Did you wanna look at altering that at all? Or\n\nChannel 1: Probably not at this at this stage. I'll I'll probably\n\nChannel 0: yep.\n\nChannel 1: will a little bit later than that.\n\nChannel 0: Yep. Dump truck.\n\nChannel 1: Probably not just at the moment. No.\n\nChannel 0: No. That's okay. I've also got your total permanent disability cover here. So that essentially pays out either a pension amount or a lump sum benefit in the event that you're unable to ever go back to work again. TPD is a taxable income, so it is taxed if you are on claim under the age of 60.\n\nBut the current sum insured is 296,872. And, again, if you are TBD, they're under permanent incapacity, we can get access to your super there as well. Are you comfortable with that level of cover you have for TBD? Did you wanna look at altering that at all?\n\nChannel 1: Not really not really. No. Not\n\nChannel 0: Happy with that? Yeah. That's okay. That's alright. I've also got it noted here you\n\nChannel 1: not\n\nChannel 0: don't have any income protection cover. So in the event of, in the shorter term, being unable to go to work, you don't have anything as a monthly benefit to fall back on. But I can see that you do have some savings set aside there as well. You're comfortable not having any income protection?\n\nChannel 1: Not yet. Not at the moment.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. And there is other types of insurance that you can hold as well, like trauma. Trauma, unlike the others, isn't paid inside too, but it does have to be paid out of your back pocket. So it does come down to what your expenditure looks like, but trauma pays out a lump sum tax free benefit in the event of, like, a traumatic diagnosis, like, say, Parkinson's, having a heart attack, certain cancers as well.\n\nYou don't have any trauma at the moment. Did you wanna look at getting some trauma, or you're happy not worrying about it?\n\nChannel 1: Probably not at this stage.\n\nChannel 0: Yeah. That's absolutely okay. I just need to make sure I go through those with you and make sure that you're comfortable with that. If you ever decide you wanna look at insurances, let me know. I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and what?\n\nYeah?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And the last thing to run through is just updating your risk profile questionnaire. I just wanted to make sure that you are invested correctly because we are looking at updating your investment profile. Just wanting to make sure that you're invested in in line with your risk tolerance. The first question here is just have you ever owned direct shares in your own name before?\n\nChannel 1: What was that, ma'am?\n\nChannel 0: You're right. Have you ever owned direct shares in your own name?\n\nChannel 1: Not.\n\nChannel 0: Nope. That's okay. Beautiful. We're working here on a sorry. An age of about 67 for the time, and so it does sort of note here that you do have about fifteen years before you're wanting to access super.\n\nI am correct in saying that you're happy for 67 to be your access age at the moment.\n\nChannel 1: At the moment. Yeah.\n\nChannel 0: Yeah. Cool. If that ever does change, please feel free to let me know as well. Okay? The next question here is asking if you did look at your super over the next sort of six months and you saw it had fallen by 20% due to external market factors, how might you be feeling?\n\nAre you wanting to put more money into the investment? It could be a buying opportunity. Are you more likely to call us and see what we suggest you do, or are you feeling a bit concerned and wanting to move into a more secure investment?\n\nChannel 1: I'll probably ring you up and ask you for\n\nChannel 0: Yeah.\n\nChannel 1: a pen.\n\nChannel 0: Beautiful. It's a really good answer. Lovely. When you think about your sleep, are you comfortable taking on more risk to try and get greater potential returns? Do you think you'd be comfortable taking a moderate or medium amount of risk to get the best returns you can?\n\nOr are you concerned about the markets and not wanting to take any risk in the market?\n\nChannel 1: I'll take a little bit of a gamble, but long long long as it's not too much. But\n\nChannel 0: Yeah.\n\nChannel 1: they probably take a little bit of a risk. I guess.\n\nChannel 0: Yeah. Yep. Do you feel like you'd be sort of in the middle, or do you feel like like, with the questions I just went through with the the top answer or the middle option, do you think you'd be in\n\nChannel 1: Yes.\n\nChannel 0: between that a little bit? Yeah. Beautiful. Excellent. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you never wanna borrow for that sort of investing?\n\nChannel 1: Probably at this stage. No.\n\nChannel 0: Yep. That's okay. Have you ever thought about borrowing to, say, property or anything like that?\n\nChannel 1: I have. Yeah. But wife doesn't want the idea. Because up from within South and when we moved up here, we tried to keep it\n\nChannel 0: Yeah.\n\nChannel 1: and tried to rent it out. And\n\nChannel 0: Yep.\n\nChannel 1: the price of living, paying rent up here, paying household. It was we were really struggling and\n\nChannel 0: Yeah.\n\nChannel 1: probably it's all that place down there, paid it out. And we we only walked out with probably about $20\n\nChannel 0: Yeah.\n\nChannel 1: profit.\n\nChannel 0: Wow. Yeah. It's a lot. Yeah. No.\n\nI can understand too. Not a great experience to have in the past, so that's completely okay and understandable. Are you guys renting where you are\n\nChannel 1: Yeah.\n\nChannel 0: at the moment? Yeah. What sort of rent are you paying on a regular basis?\n\nChannel 1: $4.50. Right?\n\nChannel 0: Okay. That's actually not bad, isn't it?\n\nChannel 1: No. It's pretty good. Yeah. But, like, my mom just I told him he might have been a four year run and he's\n\nChannel 0: Yeah.\n\nChannel 1: got me. Because when it's the house we're running we're running it's only a two bedroom house. And so I see the I can pay for\n\nChannel 0: Yeah.\n\nChannel 1: that the same house in my car. You're paying up to about $8,800 a week.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: And and, like, the car where where I'm 24 k south of the car.\n\nChannel 0: Yep. Yeah. Wow.\n\nChannel 1: And that's in in price in rent.\n\nChannel 0: Yeah. Well yeah. Well, we're on the Gold Coast, and rent is horrendous here for anything. And I live over the border in New South Wales, and because we are so close to the Gold Coast there, the same thing. To get,\n\nChannel 1: Yeah.\n\nChannel 0: like, a\n\nChannel 1: Well,\n\nChannel 0: small one bedroom anything, you're paying anywhere between 5 to $600 a week. It's horrendous down there as well. Wow. Yeah.\n\nChannel 1: okay. I'm I'm on Friday because we're we're we're out. What?\n\nChannel 0: That's excellent. Yeah. Wow. Five acres. Yes.\n\nChannel 1: I'm\n\nChannel 0: Wow.\n\nChannel 1: I'm at two acres of of the five and the rest of\n\nChannel 0: Yeah.\n\nChannel 1: it's just.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, we I've got goats. We've had about seven goats here, but then they got\n\nChannel 0: Yeah.\n\nChannel 1: into\n\nChannel 0: Wow.\n\nChannel 1: lantana. Lantana kills goats.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: we end up lose a lot. If you guys eating antenna.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Yeah. You got one left. Sorry.\n\nChannel 0: Oh, wow. And with the goats, do you, like, milk them, or, like, what what's the main sort of reason for raising goats? Are they just pets, or do you have a, like, a business idea for them? Or\n\nChannel 1: I I just ate the grass. Long long\n\nChannel 0: yep.\n\nChannel 1: grass.\n\nChannel 0: Yep. Perfect. Lawn mowers.\n\nChannel 1: Yeah. I did did buy a mile and he got a little bit because he was very female. He was when we first got in, he was a friendly thing. You could do anything to him.\n\nChannel 0: Yeah.\n\nChannel 1: You can sit on his back\n\nChannel 0: No.\n\nChannel 1: and do anything with him, and he just had to get a little bit funny. I don't know\n\nChannel 0: Yeah.\n\nChannel 1: if it was just another goat around. I don't know if anyone\n\nChannel 0: Yes.\n\nChannel 1: else has got goat there. And did not think he just smelled, but I was seeing my goat with a hormone.\n\nChannel 0: Yep.\n\nChannel 1: So I said I said to me, talk to my wife, and I said, oh, I think we might just buy a female keep a female around here. And\n\nChannel 0: Yeah.\n\nChannel 1: I like to see a couple of what's three we got three littles as a as a female,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Wow.\n\nChannel 1: it's a decent twin.\n\nChannel 0: Wow.\n\nChannel 1: Yeah. Yeah. So we've only got one left out of seven. So\n\nChannel 0: Yeah. Do you plan to get some more? Or\n\nChannel 1: no. That is a little the one once this one, he goes. The next door neighbor wants to buy this one off. It's not that she's a pain in the ass, this one. We tie her up because she just wanders everywhere.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: I don't like having animals down there, and she seems to go down there a fair bit. So I'll keep saying to what? You're tired. I tired up. And the next to my baby says, oh, no.\n\nNo. Let her ride because she comes up and eats food grass up this place. Daddy wants a\n\nChannel 0: Yeah. Oh, you have to start charging them for having mowing their their lawn. Oh, yep. Wow. Oh, wow.\n\nThat's incredible. I've never owned goats myself, so that is definitely an experience. I'd be shocked. Wow.\n\nChannel 1: I wanna I first got my parents go, are you you're a good boy and go, okay, eat anything? Clothes or clothes on?\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Not not not once have I purchased clothes or clothes on. Not one.\n\nChannel 0: Yeah. Wow. That's incredible. That's amazing. Wow.\n\nWell, that's really cool. Thank you for updating. That's fantastic. It's good to know. I'll keep that in mind if they're no.\n\nI find anyone with goats. Definitely not something I would wonder. I heard they smell really bad.\n\nChannel 1: The\n\nChannel 0: Is that right?\n\nChannel 1: male one. The male\n\nChannel 0: Yep.\n\nChannel 1: one. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: The\n\nChannel 0: Cool.\n\nChannel 1: male\n\nChannel 0: That's\n\nChannel 1: one.\n\nChannel 0: cool.\n\nChannel 1: He absolutely stunk of time.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: And anything we couldn't do with him was barkeep.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: He did not let us put water on it.\n\nChannel 0: Yep. Wow. That's that's amazing. Yeah. That's amazing because the females would have the pheromones for mating season, so you'd think that they would have more of an odor to them, but that's interesting.\n\nYeah.\n\nChannel 1: But probably probably probably probably probably when they're on heat,\n\nChannel 0: Well, that's\n\nChannel 1: man.\n\nChannel 0: right. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: They're the males.\n\nChannel 0: Wow.\n\nChannel 1: They are dirty guys because\n\nChannel 0: Yep.\n\nChannel 1: they piss on the piss or and everything like that. Like, he used to suck on it on his beetle all the time. You see, all the time, he's sucking on it. I don't know if you suck a dirty cat.\n\nChannel 0: Oh, no. That's perfect. All good. Lyle, I have just tallied up the scores here for your risk profile question. You have scored within that growth risk profile.\n\nSo, generally, a growth investor does see about 80% of their super invested in growth assets, so things like Australian shares, international shares, some property, and also some commodities like gold and silver. You would generally also see about 20% in low risk defensive investments like cash bonds and fixed interest. So having a mixed load helps with diversifying and helping to spread your risk level, which over the course of time can help to reduce the risk. Growth investments\n\nChannel 1: Yes.\n\nChannel 0: where you get the greater potential returns and defensive investments to help sort of spread the this level and give you some income producing investments there as well. Are you happy looking to staying within that sort of asset allocation?\n\nChannel 1: Oh, I think so. I think that seems to be the the way for the gain money outside.\n\nChannel 0: Yeah. Yeah. Yeah. Absolutely. This sort of profile fits someone who has at least six years before they're wanting to access their super.\n\nSo it definitely does sort of fit right within your time horizon, which is great. The growth investment, we would expect the likelihood of a a negative return, sorry, sort of one in every five years. And the expected return you're looking at for this would be about seven to 9% on a yearly basis. So that sort of fits within where you are, but as long as you're comfortable with that, that's okay.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Like, even change, like, if you if you guys so notice that when that time comes, you can probably change that, couldn't you?\n\nChannel 0: Absolutely. So where you are now and the reason we do wanna check that every year with you is as you get closer and closer to wanting to access your super, you'll find you don't wanna take as much risk in the market, and you really should the closer you get. If you sort of think back to the GFC when a lot of people did retire right around that point where everything dropped around late two thousand nine, a lot of people did cement those losses in their retirement years. So what we we don't want that to happen to you is that as we get closer as you get closer to the age of 67, we'll start to reduce your risk in the market, bring some more of those defensive investments in there, and tend to pull you back a little bit. But for right now, that definitely does fit your time horizon.\n\nBut it's also said if you feel like you wanna retire earlier than age 67, please let me know because I wanna make sure that we've got you in the right risk profile as well. Okay? Yeah.\n\nChannel 1: No. I think I could probably go to 67 if I take them when I'm done.\n\nChannel 0: Perfect. Perfect. All good. I also just noticed here we don't really have any beneficiary nominations noted here for you. I know Michelle did have a conversation with you around that.\n\nIf in the event you were to pass away, who do you want your super and your life insurance directed through to?\n\nChannel 1: Probably walking too quick.\n\nChannel 0: Wife. Yep. That's okay. And your wife's name is Samantha?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Your two kids today?\n\nChannel 1: Oh,\n\nChannel 0: Adults? Or\n\nChannel 1: they're at $1.20 20. Should be 24 of the total.\n\nChannel 0: yeah. Wow.\n\nChannel 1: And the other one's $20.21 in October.\n\nChannel 0: Okay. Beautiful. Would you want the super and the life insurance to go straight to Samantha and have her sort of directed out, or did you want to nominate your kids as well? The kids as well? Yeah.\n\nAwesome. Well, as part of the advice, if you like, I can put the estate planning in there and also kind of show you how you should nominate the beneficiaries to make sure it's the most tax effective way. Because with your super in your life insurance, if you were to pass away, with Samantha as your wife, she is your spouse. So under law, she can receive the benefit completely tax free. However, if you then also paid some to your adult children directly to them, they would actually pay tax on the taxable component.\n\nSo there is a way that that you can reduce the tax paid to the kids. If you're comfortable with me including that in the recommendations, I can do that for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So we want do you know how much you want to go to Samantha and how much you want paid to your kids?\n\nChannel 1: Probably 50% of the meters and probably 25 the same age for\n\nChannel 0: To\n\nChannel 1: the\n\nChannel 0: the kids? Yeah. Perfect. Beautiful. Not a problem.\n\nI\n\nChannel 1: kids.\n\nChannel 0: can include the estate planning there for you, Lyle, and show you how to make those how to make those beneficiaries in the most tax effective way for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I know I have gone through a lot with you. Do you have any questions for me? Did you want me to break anything further down for you? Or\n\nChannel 1: No. No. No. Okay.\n\nChannel 0: no.\n\nChannel 1: Alright. I'll\n\nChannel 0: Yeah.\n\nChannel 1: go to let me see what I'm doing.\n\nChannel 0: Yeah. That's okay. Well, what I'll do is I'll go back now with my beautiful team. We'll go through and do some research for you. Once we've got the advice document ready to go, it does take a couple of weeks to do all the research that we need to.\n\nAnd once we've got the advice document ready, we'll come back and I'll go through it with you so you can see what I'm recommending, the advantages, disadvantages, and the risks involved. How does that sound? Yeah? Beautiful. Look.\n\nBefore I do let you go, is there anything you want any other questions that you might have that sort of popped up at all or everything's covered?\n\nChannel 1: No. I didn't. You covered everything.\n\nChannel 0: Yeah. Beautiful. I'll go back and complete that research there for you, Lyle. If anything does come up at any point that you wanted to, you know, touch base on any questions, you find, please let me know. I'm more than happy to make time to have a chat.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. Thank you so much. You know? I'll let you go so you can have a restful evening. I hope you have a good night and a good rest of your week.\n\nChannel 1: Hi, guys. Thanks, pal.\n\nChannel 0: Thank you. Talk soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.04070187732577324},{"text":"Lowell speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.04247899539768696}],"sentiment":"neutral","sentiment_score":0.04188662270704905,"channel":1,"num_words":3,"start":1.28,"end":2.5},{"sentences":[{"text":"Hi, Lyle.","start":3.12,"end":3.84,"sentiment":"neutral","sentiment_score":0.12297544628381729},{"text":"This is Dana from OQ Financial.","start":3.84,"end":5.46,"sentiment":"neutral","sentiment_score":0.12974455704291663},{"text":"How are you this afternoon?","start":5.52,"end":6.66,"sentiment":"neutral","sentiment_score":0.1776185989379883}],"sentiment":"neutral","sentiment_score":0.1471162484242366,"channel":0,"num_words":13,"start":3.12,"end":6.66},{"sentences":[{"text":"Oh, not too bad.","start":7.8399997,"end":8.639999,"sentiment":"neutral","sentiment_score":0.010221163742244244},{"text":"Better now.","start":8.639999,"end":9.28,"sentiment":"neutral","sentiment_score":0.12140923738479614},{"text":"Because you're running out of good time.","start":9.28,"end":10.48,"sentiment":"neutral","sentiment_score":-0.14152143789189203},{"text":"So I just I mean, frustrated all day.","start":10.48,"end":12.48,"sentiment":"negative","sentiment_score":-0.44870363734662533},{"text":"I've spent someone at a hot night clock shower.","start":12.48,"end":14.82,"sentiment":"negative","sentiment_score":-0.3458544777499305}],"sentiment":"neutral","sentiment_score":-0.2469755444675684,"channel":1,"num_words":30,"start":7.8399997,"end":14.82},{"sentences":[{"text":"Oh, lovely.","start":15.6449995,"end":16.385,"sentiment":"positive","sentiment_score":0.39614713191986084},{"text":"That sounds really nice.","start":16.445,"end":18.145,"sentiment":"positive","sentiment_score":0.5607031285762787},{"text":"Oh, Lila, I did have you booked in for a bit of a catch up after you and the reviewers.","start":18.605,"end":22.365,"sentiment":"neutral","sentiment_score":0.19221190214157105},{"text":"Now is still a good time there for you?","start":22.365,"end":24.385,"sentiment":"neutral","sentiment_score":0.19197800093226963},{"text":"Yep.","start":26.685,"end":27.005001,"sentiment":"neutral","sentiment_score":0.0879192054271698}],"sentiment":"neutral","sentiment_score":0.24152961207760704,"channel":0,"num_words":36,"start":15.6449995,"end":27.005001},{"sentences":[{"text":"Yep.","start":27.005001,"end":27.244999,"sentiment":"neutral","sentiment_score":0.14594458043575287},{"text":"Beautiful.","start":27.244999,"end":27.724998,"sentiment":"positive","sentiment_score":0.4637165069580078},{"text":"I'll try try not to take too long there for you.","start":27.724998,"end":29.79,"sentiment":"neutral","sentiment_score":0.24174797941337933},{"text":"Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":29.79,"end":34.43,"sentiment":"neutral","sentiment_score":0.09134000136206548},{"text":"Are you happy for me to proceed with that?","start":34.43,"end":36.45,"sentiment":"neutral","sentiment_score":0.14779708286126456}],"sentiment":"neutral","sentiment_score":0.14763527476917143,"channel":0,"num_words":46,"start":27.005001,"end":36.45},{"sentences":[{"text":"Yep.","start":37.219997,"end":37.719997,"sentiment":"neutral","sentiment_score":0.07849583029747009}],"sentiment":"neutral","sentiment_score":0.07849583029747009,"channel":1,"num_words":1,"start":37.219997,"end":37.719997},{"sentences":[{"text":"Yep.","start":38.11,"end":38.43,"sentiment":"neutral","sentiment_score":0.12306948006153108},{"text":"Beautiful.","start":38.43,"end":38.91,"sentiment":"positive","sentiment_score":0.3608682453632355},{"text":"And as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly.","start":38.91,"end":43.49,"sentiment":"neutral","sentiment_score":0.12879134267568587},{"text":"Just get you to confirm for me just your full name, your date of birth, and address I should have on file.","start":43.875,"end":48.295,"sentiment":"neutral","sentiment_score":0.07872984372079372}],"sentiment":"neutral","sentiment_score":0.1089050259271806,"channel":0,"num_words":44,"start":38.11,"end":48.295},{"sentences":[{"text":"Law business office.","start":50.075,"end":51.195,"sentiment":"neutral","sentiment_score":0.009369962538282076},{"text":"Hundred And 10 Christiansville Drive, 394737","start":51.195,"end":55.215,"sentiment":"neutral","sentiment_score":0.013491046770165363}],"sentiment":"neutral","sentiment_score":0.012117352026204268,"channel":1,"num_words":9,"start":50.075,"end":55.215},{"sentences":[{"text":"Yep.","start":55.714996,"end":56.214996,"sentiment":"neutral","sentiment_score":0.01127796433866024}],"sentiment":"neutral","sentiment_score":0.01127796433866024,"channel":0,"num_words":1,"start":55.714996,"end":56.214996},{"sentences":[{"text":"611974.","start":55.9,"end":58.0,"sentiment":"neutral","sentiment_score":0.016957376152276993}],"sentiment":"neutral","sentiment_score":0.016957376152276993,"channel":1,"num_words":1,"start":55.9,"end":58.0},{"sentences":[{"text":"Beautiful.","start":58.68,"end":59.16,"sentiment":"positive","sentiment_score":0.39504319429397583},{"text":"Thank you so much for that.","start":59.16,"end":60.94,"sentiment":"positive","sentiment_score":0.5770663321018219},{"text":"While I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there.","start":61.48,"end":65.88,"sentiment":"neutral","sentiment_score":0.1858129223378805},{"text":"I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole.","start":65.88,"end":72.485,"sentiment":"neutral","sentiment_score":0.14890507429838182},{"text":"But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you.","start":72.545,"end":78.805,"sentiment":"neutral","sentiment_score":0.10722643206827343}],"sentiment":"neutral","sentiment_score":0.17602722057037884,"channel":0,"num_words":90,"start":58.68,"end":78.805},{"sentences":[{"text":"Did she kinda give you","start":78.865,"end":79.825,"sentiment":"neutral","sentiment_score":0.07194488421082497}],"sentiment":"neutral","sentiment_score":0.07194488421082497,"channel":0,"num_words":5,"start":78.865,"end":79.825},{"sentences":[{"text":"Yep.","start":79.825,"end":80.325,"sentiment":"neutral","sentiment_score":0.052585169672966}],"sentiment":"neutral","sentiment_score":0.052585169672966,"channel":1,"num_words":1,"start":79.825,"end":80.325},{"sentences":[{"text":"a rundown on what was happening in the portfolio there at all?","start":79.825,"end":83.125,"sentiment":"neutral","sentiment_score":0.005535858062406381}],"sentiment":"neutral","sentiment_score":0.005535858062406381,"channel":0,"num_words":12,"start":79.825,"end":83.125},{"sentences":[{"text":"She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me.","start":84.29,"end":95.43,"sentiment":"neutral","sentiment_score":-0.1337528501947721}],"sentiment":"neutral","sentiment_score":-0.1337528501947721,"channel":1,"num_words":27,"start":84.29,"end":95.43},{"sentences":[{"text":"Yeah.","start":95.3,"end":95.8,"sentiment":"neutral","sentiment_score":0.05980855226516723},{"text":"Yeah.","start":95.86,"end":96.36,"sentiment":"neutral","sentiment_score":0.13776257634162903},{"text":"Absolutely.","start":96.42,"end":96.92,"sentiment":"neutral","sentiment_score":0.30536678433418274},{"text":"I did pull up everything to have a bit of a look at it before we jumped in the call.","start":97.3,"end":100.82,"sentiment":"neutral","sentiment_score":0.32367556169629097},{"text":"So as a whole, your portfolio has been been doing quite well.","start":100.82,"end":103.905,"sentiment":"positive","sentiment_score":0.5255352084835371}],"sentiment":"positive","sentiment_score":0.37951061853340695,"channel":0,"num_words":35,"start":95.3,"end":103.905},{"sentences":[{"text":"And look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see.","start":103.965,"end":110.465,"sentiment":"positive","sentiment_score":0.5084495813302372},{"text":"But we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there.","start":110.685,"end":121.84,"sentiment":"neutral","sentiment_score":-0.20348708070814608},{"text":"One of their underlying investments, Corporate Traveler, was being a bit dishonest to the market and not being honest to their investors.","start":122.06,"end":128.48,"sentiment":"negative","sentiment_score":-0.573749452829361},{"text":"And that came out to the market at that particular point in time, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which obviously meant, because Bennelong had to hold them, that everyone's kinda going back and reevaluated Bennelong.","start":129.24501,"end":142.865,"sentiment":"neutral","sentiment_score":-0.29207338943429617},{"text":"So that part of your investment portfolio has been down quite significantly there.","start":143.01,"end":147.51,"sentiment":"negative","sentiment_score":-0.5251759313620054}],"sentiment":"neutral","sentiment_score":-0.20368259612263906,"channel":0,"num_words":144,"start":103.965,"end":147.51},{"sentences":[{"text":"It's down by 19%.","start":147.89,"end":149.73,"sentiment":"negative","sentiment_score":-0.44388849288225174},{"text":"So as a whole for yourself, it's showing that your sorry.","start":149.73,"end":153.89,"sentiment":"neutral","sentiment_score":-0.32792362570762634},{"text":"I'm just having a quick look in hub twenty four to give you the figures.","start":153.89,"end":158.54999,"sentiment":"neutral","sentiment_score":-0.11359891543785731},{"text":"So in your portfolio, it's down by about $2,046 at the moment.","start":161.015,"end":166.055,"sentiment":"neutral","sentiment_score":-0.262118315945069},{"text":"So it is down.","start":166.055,"end":166.935,"sentiment":"neutral","sentiment_score":-0.2833995446562767}],"sentiment":"neutral","sentiment_score":-0.24708077295318895,"channel":0,"num_words":46,"start":147.89,"end":166.935},{"sentences":[{"text":"What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so.","start":166.935,"end":180.31,"sentiment":"neutral","sentiment_score":-0.09728552743184324},{"text":"Does that make sense?","start":180.31,"end":181.45,"sentiment":"neutral","sentiment_score":-0.011657176539301872}],"sentiment":"neutral","sentiment_score":-0.09082301038334954,"channel":0,"num_words":53,"start":166.935,"end":181.45},{"sentences":[{"text":"Yeah.","start":182.37999,"end":182.87999,"sentiment":"neutral","sentiment_score":0.05314715951681137}],"sentiment":"neutral","sentiment_score":0.05314715951681137,"channel":1,"num_words":1,"start":182.37999,"end":182.87999},{"sentences":[{"text":"Yeah.","start":183.43,"end":183.83,"sentiment":"neutral","sentiment_score":0.19211483001708984},{"text":"Excellent.","start":183.83,"end":184.33,"sentiment":"positive","sentiment_score":0.4099411368370056},{"text":"So one of the big things is, obviously, as a business, we are gonna move then along out of there.","start":186.405,"end":190.745,"sentiment":"neutral","sentiment_score":0.13966177254915238},{"text":"I just wanted to sort of find out a bit more about what sort of investment profile you should be in and get a bit more detail around what you wanna see from your investments there.","start":191.205,"end":199.89,"sentiment":"neutral","sentiment_score":0.12336985570275122},{"text":"Now with this the whole do you log in to Hub 24 very often to have a look at what's going on?","start":200.21,"end":207.19,"sentiment":"neutral","sentiment_score":0.02950737096199935}],"sentiment":"neutral","sentiment_score":0.10607210480375215,"channel":0,"num_words":80,"start":183.43,"end":207.19},{"sentences":[{"text":"Every time I remember the login.","start":208.11,"end":212.37,"sentiment":"neutral","sentiment_score":-0.01658954517915845}],"sentiment":"neutral","sentiment_score":-0.01658954517915845,"channel":1,"num_words":6,"start":208.11,"end":212.37},{"sentences":[{"text":"How often's that?","start":214.495,"end":215.795,"sentiment":"neutral","sentiment_score":-0.012214843494196733}],"sentiment":"neutral","sentiment_score":-0.012214843494196733,"channel":0,"num_words":3,"start":214.495,"end":215.795},{"sentences":[{"text":"Well, I was there once a week when I was doing night shift because I was bored.","start":216.925,"end":221.745,"sentiment":"neutral","sentiment_score":-0.06139476608265849},{"text":"I was just tired of me fine, but","start":222.125,"end":223.905,"sentiment":"neutral","sentiment_score":-0.12716932781040668}],"sentiment":"neutral","sentiment_score":-0.08244262583553791,"channel":1,"num_words":25,"start":216.925,"end":223.905},{"sentences":[{"text":"Yeah.","start":223.455,"end":223.955,"sentiment":"neutral","sentiment_score":-0.007468188181519508},{"text":"Yeah.","start":224.255,"end":224.755,"sentiment":"neutral","sentiment_score":-0.008928496390581131}],"sentiment":"neutral","sentiment_score":-0.00819834228605032,"channel":0,"num_words":2,"start":223.455,"end":224.755},{"sentences":[{"text":"I'm a truck driver now.","start":224.285,"end":225.745,"sentiment":"neutral","sentiment_score":-0.027113145962357522},{"text":"I don't hardly go on my phone.","start":225.80501,"end":227.485,"sentiment":"neutral","sentiment_score":-0.0878141809787069},{"text":"So","start":227.485,"end":227.985,"sentiment":"neutral","sentiment_score":-0.04357486963272095}],"sentiment":"neutral","sentiment_score":-0.06106460509965053,"channel":1,"num_words":13,"start":224.285,"end":227.985},{"sentences":[{"text":"No.","start":228.175,"end":228.675,"sentiment":"neutral","sentiment_score":-0.10316957533359528},{"text":"Of course.","start":228.975,"end":229.715,"sentiment":"neutral","sentiment_score":-0.08600636199116707}],"sentiment":"neutral","sentiment_score":-0.0917274331053098,"channel":0,"num_words":3,"start":228.175,"end":229.715},{"sentences":[{"text":"it's it's not as not as much what I used to.","start":229.34999,"end":232.89,"sentiment":"neutral","sentiment_score":-0.18958990546790036},{"text":"I should be checking on a bit more.","start":235.43,"end":237.18999,"sentiment":"neutral","sentiment_score":-0.05753708863630891},{"text":"But","start":237.18999,"end":237.68999,"sentiment":"neutral","sentiment_score":0.0017885491251945496}],"sentiment":"neutral","sentiment_score":-0.12719985600560904,"channel":1,"num_words":20,"start":229.34999,"end":237.68999},{"sentences":[{"text":"Yep.","start":237.99,"end":238.49,"sentiment":"neutral","sentiment_score":0.015563542023301125},{"text":"No.","start":238.63,"end":238.87001,"sentiment":"neutral","sentiment_score":-0.05076732486486435},{"text":"That's okay.","start":238.87001,"end":239.69,"sentiment":"neutral","sentiment_score":-0.0015301583334803581},{"text":"When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that?","start":239.83,"end":250.625,"sentiment":"neutral","sentiment_score":0.09695316054561037},{"text":"Do you prefer to see all the investments and where the money is allocated, or is it not sort of as big of a an issue for","start":250.625,"end":257.94,"sentiment":"neutral","sentiment_score":-0.005506527437656014}],"sentiment":"neutral","sentiment_score":0.05602382314510834,"channel":0,"num_words":78,"start":237.99,"end":257.94},{"sentences":[{"text":"No.","start":259.94998,"end":260.18997,"sentiment":"neutral","sentiment_score":-0.14062708616256714},{"text":"I I I I say no.","start":260.18997,"end":260.83,"sentiment":"neutral","sentiment_score":-0.16107707222302756},{"text":"I can see where where where you got investing your money into.","start":260.83,"end":264.77,"sentiment":"neutral","sentiment_score":-0.09946233437707026}],"sentiment":"neutral","sentiment_score":-0.12108618589608293,"channel":1,"num_words":19,"start":259.94998,"end":264.77},{"sentences":[{"text":"you?","start":264.87997,"end":265.12,"sentiment":"neutral","sentiment_score":-0.014081878587603567},{"text":"Yeah.","start":265.12,"end":265.59998,"sentiment":"neutral","sentiment_score":0.04103611037135124},{"text":"You do like the visibility side of 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we could definitely look at moving you into, but we do need to do the research first.","start":270.475,"end":277.535,"sentiment":"neutral","sentiment_score":0.12471323772784203},{"text":"Essentially, over the course of the last twelve months, our investment our licensee and our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms, and we utilize their investment committee.","start":277.835,"end":289.71002,"sentiment":"neutral","sentiment_score":0.09480694915567126}],"sentiment":"neutral","sentiment_score":0.10671667424695833,"channel":0,"num_words":70,"start":269.435,"end":289.71002},{"sentences":[{"text":"We essentially have built what's called a separately managed account.","start":290.97,"end":294.03003,"sentiment":"neutral","sentiment_score":0.12455035150051116},{"text":"One of the benefits of having this sort of separately managed account is that while you lose a bit of visibility on where your money is invested, you having something 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you.","start":327.005,"end":340.99002,"sentiment":"neutral","sentiment_score":0.1458876272663474},{"text":"What would you like to see?","start":340.99002,"end":342.53,"sentiment":"neutral","sentiment_score":0.053331296890974045}],"sentiment":"neutral","sentiment_score":0.20301595742681197,"channel":0,"num_words":168,"start":290.97,"end":342.53},{"sentences":[{"text":"Well, I'd rather say you could get more money for me.","start":343.5,"end":347.12,"sentiment":"neutral","sentiment_score":0.08335896615277637}],"sentiment":"neutral","sentiment_score":0.08335896615277637,"channel":1,"num_words":11,"start":343.5,"end":347.12},{"sentences":[{"text":"Yeah.","start":346.91,"end":347.15,"sentiment":"neutral","sentiment_score":0.07715025544166565},{"text":"More 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you?","start":347.63,"end":348.11002,"sentiment":"neutral","sentiment_score":0.03014831244945526}],"sentiment":"neutral","sentiment_score":0.03014831244945526,"channel":0,"num_words":2,"start":347.63,"end":348.11002},{"sentences":[{"text":"if","start":347.9,"end":348.4,"sentiment":"neutral","sentiment_score":0.05739749222993851}],"sentiment":"neutral","sentiment_score":0.05739749222993851,"channel":1,"num_words":1,"start":347.9,"end":348.4},{"sentences":[{"text":"Perfect.","start":348.11002,"end":348.61002,"sentiment":"neutral","sentiment_score":0.23193985223770144}],"sentiment":"neutral","sentiment_score":0.23193985223770144,"channel":0,"num_words":1,"start":348.11002,"end":348.61002},{"sentences":[{"text":"if you what's better for you for me not to see that, we will adjust to how you guys benefits me in the long run.","start":350.78,"end":364.10498,"sentiment":"neutral","sentiment_score":0.14519637823104858},{"text":"Like, I","start":364.485,"end":364.805,"sentiment":"neutral","sentiment_score":0.027083439752459526}],"sentiment":"neutral","sentiment_score":0.136447271677079,"channel":1,"num_words":27,"start":350.78,"end":364.805},{"sentences":[{"text":"Yeah.","start":364.77502,"end":365.27502,"sentiment":"neutral","sentiment_score":0.03147783875465393}],"sentiment":"neutral","sentiment_score":0.03147783875465393,"channel":0,"num_words":1,"start":364.77502,"end":365.27502},{"sentences":[{"text":"I've just opened up I I've just opened up before forty an hour.","start":364.88498,"end":368.745,"sentiment":"neutral","sentiment_score":-0.010639561626773614},{"text":"Now.","start":369.12,"end":369.28,"sentiment":"neutral","sentiment_score":-0.0232754647731781},{"text":"But last time I've seen it was 279,000, so it's only in 5,000.","start":369.28,"end":373.62,"sentiment":"neutral","sentiment_score":-0.0791916001874667},{"text":"Then I'll take in the 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you","start":1122.14,"end":1123.66,"sentiment":"neutral","sentiment_score":0.004164436299886022}],"sentiment":"neutral","sentiment_score":-0.046932444100578626,"channel":0,"num_words":15,"start":1117.715,"end":1123.66},{"sentences":[{"text":"not","start":1123.615,"end":1123.865,"sentiment":"neutral","sentiment_score":-0.07473818957805634}],"sentiment":"neutral","sentiment_score":-0.07473818957805634,"channel":1,"num_words":1,"start":1123.615,"end":1123.865},{"sentences":[{"text":"don't have any income protection cover.","start":1123.66,"end":1125.74,"sentiment":"neutral","sentiment_score":-0.09858975435296695},{"text":"So in the event of, in the shorter term, being unable to go to work, you don't have anything as a monthly benefit to fall back on.","start":1125.74,"end":1132.38,"sentiment":"neutral","sentiment_score":-0.053950873100095324},{"text":"But I can see that you do have some savings set aside there as 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insurance that you can hold as well, like trauma.","start":1144.835,"end":1148.615,"sentiment":"neutral","sentiment_score":0.04037762309114138},{"text":"Trauma, unlike the others, isn't paid inside too, but it does have to be paid out of your back pocket.","start":1148.755,"end":1153.62,"sentiment":"neutral","sentiment_score":0.0007109378464519977},{"text":"So it does come down to what your expenditure looks like, but trauma pays out a lump sum tax free benefit in the event of, like, a traumatic diagnosis, like, say, Parkinson's, having a heart attack, certain cancers as well.","start":1153.62,"end":1166.76,"sentiment":"neutral","sentiment_score":0.06663606844376772}],"sentiment":"neutral","sentiment_score":0.0485942424991383,"channel":0,"num_words":78,"start":1143.635,"end":1166.76},{"sentences":[{"text":"You don't have any trauma at the moment.","start":1167.375,"end":1169.375,"sentiment":"neutral","sentiment_score":-0.03851266810670495},{"text":"Did you wanna look at getting some 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you ever decide you wanna look at insurances, let me know.","start":1187.51,"end":1190.71,"sentiment":"neutral","sentiment_score":0.17724857293069363},{"text":"I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and 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ma'am?","start":1221.71,"end":1222.93,"sentiment":"neutral","sentiment_score":-0.005574630573391914}],"sentiment":"neutral","sentiment_score":-0.005574630573391914,"channel":1,"num_words":4,"start":1221.71,"end":1222.93},{"sentences":[{"text":"You're right.","start":1223.33,"end":1223.73,"sentiment":"neutral","sentiment_score":0.013512357603758574},{"text":"Have you ever owned direct shares in your own 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time, and so it does sort of note here that you do have about fifteen years before you're wanting to access super.","start":1232.775,"end":1239.48,"sentiment":"neutral","sentiment_score":-0.053541921336075354}],"sentiment":"neutral","sentiment_score":-0.03824091922396269,"channel":0,"num_words":39,"start":1228.2949,"end":1239.48},{"sentences":[{"text":"I am correct in saying that you're happy for 67 to be your access age at the moment.","start":1239.48,"end":1244.2201,"sentiment":"neutral","sentiment_score":0.09899420705106524}],"sentiment":"neutral","sentiment_score":0.09899420705106524,"channel":0,"num_words":18,"start":1239.48,"end":1244.2201},{"sentences":[{"text":"At the 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notice that when that time comes, you can probably change that, couldn't you?","start":1835.04,"end":1847.365,"sentiment":"neutral","sentiment_score":0.1573331919701203}],"sentiment":"neutral","sentiment_score":0.1573331919701203,"channel":1,"num_words":23,"start":1835.04,"end":1847.365},{"sentences":[{"text":"Absolutely.","start":1847.895,"end":1848.395,"sentiment":"neutral","sentiment_score":0.20651674270629883},{"text":"So where you are now and the reason we do wanna check that every year with you is as you get closer and closer to wanting to access your super, you'll find you don't wanna take as much risk in the market, and you really should the closer you get.","start":1848.615,"end":1860.475,"sentiment":"neutral","sentiment_score":0.08453370280563831},{"text":"If you sort of think back to the GFC when a lot of people did retire right around that point where everything dropped around late two thousand nine, a lot of people did cement those losses in their retirement years.","start":1861.04,"end":1872.16,"sentiment":"neutral","sentiment_score":-0.1149088122881949},{"text":"So what we we don't want that to happen to you is that as we get closer as you get closer to the age of 67, we'll start to reduce your risk in the market, bring some more of those defensive investments in there, and tend to pull you back a little bit.","start":1872.16,"end":1885.695,"sentiment":"neutral","sentiment_score":-0.047890472243416984},{"text":"But for right now, that definitely does fit your time horizon.","start":1885.695,"end":1888.755,"sentiment":"neutral","sentiment_score":0.257340744137764}],"sentiment":"neutral","sentiment_score":0.0008348551488691761,"channel":0,"num_words":155,"start":1847.895,"end":1888.755},{"sentences":[{"text":"But it's also said if you feel like you wanna retire earlier than age 67, please let me know because I wanna make sure that we've got you in the right risk profile as 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that.","start":1914.555,"end":1918.415,"sentiment":"neutral","sentiment_score":-0.026282030581073326}],"sentiment":"neutral","sentiment_score":0.011586632879991685,"channel":0,"num_words":31,"start":1905.12,"end":1918.415},{"sentences":[{"text":"If in the event you were to pass away, who do you want your super and your life insurance directed through to?","start":1918.555,"end":1924.1799,"sentiment":"neutral","sentiment_score":-0.04296755468980833}],"sentiment":"neutral","sentiment_score":-0.04296755468980833,"channel":0,"num_words":22,"start":1918.555,"end":1924.1799},{"sentences":[{"text":"Probably walking too quick.","start":1925.0449,"end":1926.9049,"sentiment":"neutral","sentiment_score":-0.12240991555154324}],"sentiment":"neutral","sentiment_score":-0.12240991555154324,"channel":1,"num_words":4,"start":1925.0449,"end":1926.9049},{"sentences":[{"text":"Wife.","start":1926.72,"end":1927.22,"sentiment":"neutral","sentiment_score":-0.004517512861639261},{"text":"Yep.","start":1927.36,"end":1927.6799,"sentiment":"neutral","sentiment_score":0.04573730379343033},{"text":"That's okay.","start":1927.6799,"end":1928.32,"sentiment":"neutral","sentiment_score":0.08232252299785614},{"text":"And your wife's name is Samantha?","start":1928.32,"end":1929.86,"sentiment":"neutral","sentiment_score":0.042149998247623444}],"sentiment":"neutral","sentiment_score":0.0458764826413244,"channel":0,"num_words":10,"start":1926.72,"end":1929.86},{"sentences":[{"text":"Yeah.","start":1930.965,"end":1931.465,"sentiment":"neutral","sentiment_score":0.04994942992925644}],"sentiment":"neutral","sentiment_score":0.04994942992925644,"channel":1,"num_words":1,"start":1930.965,"end":1931.465},{"sentences":[{"text":"Yep.","start":1931.7599,"end":1932.08,"sentiment":"neutral","sentiment_score":0.0737350583076477},{"text":"Beautiful.","start":1932.08,"end":1932.48,"sentiment":"neutral","sentiment_score":0.2964434027671814},{"text":"Your two kids today?","start":1932.48,"end":1933.44,"sentiment":"neutral","sentiment_score":0.10601391270756721}],"sentiment":"neutral","sentiment_score":0.13237235198418298,"channel":0,"num_words":6,"start":1931.7599,"end":1933.44},{"sentences":[{"text":"Oh,","start":1933.205,"end":1933.705,"sentiment":"neutral","sentiment_score":0.027939755469560623}],"sentiment":"neutral","sentiment_score":0.027939755469560623,"channel":1,"num_words":1,"start":1933.205,"end":1933.705},{"sentences":[{"text":"Adults?","start":1933.44,"end":1933.94,"sentiment":"neutral","sentiment_score":0.026169735938310623},{"text":"Or","start":1934.0,"end":1934.5,"sentiment":"neutral","sentiment_score":0.018344338983297348}],"sentiment":"neutral","sentiment_score":0.022257037460803986,"channel":0,"num_words":2,"start":1933.44,"end":1934.5},{"sentences":[{"text":"they're at $1.20 20.","start":1935.445,"end":1941.74,"sentiment":"neutral","sentiment_score":0.027323903050273657},{"text":"Should be 24 of the 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well?","start":1961.295,"end":1962.0951,"sentiment":"neutral","sentiment_score":0.09484316408634186},{"text":"Yeah.","start":1962.0951,"end":1962.415,"sentiment":"positive","sentiment_score":0.38963407278060913}],"sentiment":"neutral","sentiment_score":0.23594122223163905,"channel":0,"num_words":38,"start":1948.89,"end":1962.415},{"sentences":[{"text":"Awesome.","start":1962.415,"end":1962.735,"sentiment":"positive","sentiment_score":0.6227786540985107},{"text":"Well, as part of the advice, if you like, I can put the estate planning in there and also kind of show you how you should nominate the beneficiaries to make sure it's the most tax effective way.","start":1962.735,"end":1975.055,"sentiment":"positive","sentiment_score":0.3533407634026126},{"text":"Because with your super in your life insurance, if you were to pass away, with Samantha as your wife, she is your spouse.","start":1975.055,"end":1982.4401,"sentiment":"neutral","sentiment_score":0.18975935876369476},{"text":"So under law, she can receive the benefit completely tax free.","start":1982.4401,"end":1986.04,"sentiment":"neutral","sentiment_score":0.29288070039315656},{"text":"However, if you then also paid some to your adult children directly to them, they would actually pay tax on the taxable component.","start":1986.04,"end":1994.245,"sentiment":"neutral","sentiment_score":0.11823230722676152}],"sentiment":"neutral","sentiment_score":0.25370024672398966,"channel":0,"num_words":96,"start":1962.415,"end":1994.245},{"sentences":[{"text":"So there is a way that that you can reduce the tax paid to the kids.","start":1994.465,"end":1998.405,"sentiment":"neutral","sentiment_score":0.22493145894259214},{"text":"If you're comfortable with me including that in the recommendations, I can do that for you.","start":1998.625,"end":2003.045,"sentiment":"neutral","sentiment_score":0.2296894919127226}],"sentiment":"neutral","sentiment_score":0.22731047542765737,"channel":0,"num_words":32,"start":1994.465,"end":2003.045},{"sentences":[{"text":"Yeah.","start":2004.0,"end":2004.5,"sentiment":"neutral","sentiment_score":0.16045643389225006}],"sentiment":"neutral","sentiment_score":0.16045643389225006,"channel":1,"num_words":1,"start":2004.0,"end":2004.5},{"sentences":[{"text":"Yep.","start":2004.9451,"end":2005.4451,"sentiment":"neutral","sentiment_score":0.18711277842521667},{"text":"Perfect.","start":2007.48,"end":2007.98,"sentiment":"positive","sentiment_score":0.3539855480194092},{"text":"So we want do you know how much you want to go to Samantha and how much you want paid to your kids?","start":2008.12,"end":2013.9,"sentiment":"neutral","sentiment_score":0.145607542084611}],"sentiment":"neutral","sentiment_score":0.15560287177562715,"channel":0,"num_words":25,"start":2004.9451,"end":2013.9},{"sentences":[{"text":"Probably 50% of the meters and probably 25 the same age 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you.","start":2028.055,"end":2035.6,"sentiment":"positive","sentiment_score":0.420525553925284},{"text":"Okay?","start":2035.74,"end":2036.24,"sentiment":"neutral","sentiment_score":0.1429055482149124}],"sentiment":"positive","sentiment_score":0.4112715537349383,"channel":0,"num_words":30,"start":2028.055,"end":2036.24},{"sentences":[{"text":"Yep.","start":2037.12,"end":2037.62,"sentiment":"neutral","sentiment_score":0.1342272311449051}],"sentiment":"neutral","sentiment_score":0.1342272311449051,"channel":1,"num_words":1,"start":2037.12,"end":2037.62},{"sentences":[{"text":"Perfect.","start":2038.38,"end":2038.88,"sentiment":"neutral","sentiment_score":0.26778095960617065},{"text":"I know I have gone through a lot with you.","start":2039.34,"end":2041.42,"sentiment":"neutral","sentiment_score":0.10798633843660355},{"text":"Do you have any questions for me?","start":2041.42,"end":2043.1,"sentiment":"neutral","sentiment_score":0.05459224805235863},{"text":"Did you want me to break anything further down for you?","start":2043.1,"end":2045.8201,"sentiment":"neutral","sentiment_score":0.02062109722332521},{"text":"Or","start":2045.8201,"end":2046.3201,"sentiment":"neutral","sentiment_score":-0.033668432384729385}],"sentiment":"neutral","sentiment_score":0.06409845724701882,"channel":0,"num_words":30,"start":2038.38,"end":2046.3201},{"sentences":[{"text":"No.","start":2047.5049,"end":2048.005,"sentiment":"neutral","sentiment_score":-0.11382515728473663},{"text":"No.","start":2048.065,"end":2048.4648,"sentiment":"neutral","sentiment_score":-0.11669600754976273},{"text":"No.","start":2048.4648,"end":2048.625,"sentiment":"neutral","sentiment_score":-0.10599931329488754},{"text":"Okay.","start":2048.625,"end":2049.125,"sentiment":"neutral","sentiment_score":-0.07715731859207153}],"sentiment":"neutral","sentiment_score":-0.10341944918036461,"channel":1,"num_words":4,"start":2047.5049,"end":2049.125},{"sentences":[{"text":"no.","start":2049.0352,"end":2049.5352,"sentiment":"neutral","sentiment_score":-0.06814645230770111}],"sentiment":"neutral","sentiment_score":-0.06814645230770111,"channel":0,"num_words":1,"start":2049.0352,"end":2049.5352},{"sentences":[{"text":"Alright.","start":2049.345,"end":2049.845,"sentiment":"neutral","sentiment_score":0.00723092770203948},{"text":"I'll","start":2050.065,"end":2050.2249,"sentiment":"neutral","sentiment_score":0.0028544876258820295}],"sentiment":"neutral","sentiment_score":0.005042707663960755,"channel":1,"num_words":2,"start":2049.345,"end":2050.2249},{"sentences":[{"text":"Yeah.","start":2050.075,"end":2050.575,"sentiment":"neutral","sentiment_score":0.017492210492491722}],"sentiment":"neutral","sentiment_score":0.017492210492491722,"channel":0,"num_words":1,"start":2050.075,"end":2050.575},{"sentences":[{"text":"go to let me see what I'm doing.","start":2050.2249,"end":2052.005,"sentiment":"neutral","sentiment_score":0.015514549799263477}],"sentiment":"neutral","sentiment_score":0.015514549799263477,"channel":1,"num_words":8,"start":2050.2249,"end":2052.005},{"sentences":[{"text":"Yeah.","start":2052.395,"end":2052.895,"sentiment":"neutral","sentiment_score":0.06731577217578888},{"text":"That's okay.","start":2052.955,"end":2053.675,"sentiment":"neutral","sentiment_score":0.11042535305023193},{"text":"Well, what I'll do is I'll go back now with my beautiful team.","start":2053.675,"end":2056.155,"sentiment":"neutral","sentiment_score":0.16254553141502234},{"text":"We'll go through and do some research for you.","start":2056.155,"end":2057.995,"sentiment":"neutral","sentiment_score":0.12435837669505014},{"text":"Once we've got the advice document ready to go, it does take a couple of weeks to do all the research that we need 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sound?","start":2071.91,"end":2072.97,"sentiment":"neutral","sentiment_score":0.08531909063458443},{"text":"Yeah?","start":2075.35,"end":2075.85,"sentiment":"neutral","sentiment_score":0.029351361095905304},{"text":"Beautiful.","start":2076.945,"end":2077.445,"sentiment":"positive","sentiment_score":0.7997756004333496},{"text":"Look.","start":2077.8252,"end":2078.225,"sentiment":"positive","sentiment_score":0.546857476234436}],"sentiment":"neutral","sentiment_score":0.13186113553073925,"channel":0,"num_words":39,"start":2063.75,"end":2078.225},{"sentences":[{"text":"Before I do let you go, is there anything you want any other questions that you might have that sort of popped up at all or everything's covered?","start":2078.225,"end":2084.885,"sentiment":"neutral","sentiment_score":0.04072395086820636}],"sentiment":"neutral","sentiment_score":0.04072395086820636,"channel":0,"num_words":28,"start":2078.225,"end":2084.885},{"sentences":[{"text":"No.","start":2086.12,"end":2086.28,"sentiment":"neutral","sentiment_score":-0.23081792891025543},{"text":"I didn't.","start":2086.28,"end":2086.76,"sentiment":"neutral","sentiment_score":-0.23240306973457336},{"text":"You covered everything.","start":2086.76,"end":2087.82,"sentiment":"neutral","sentiment_score":-0.0687642991542816}],"sentiment":"neutral","sentiment_score":-0.15031949430704117,"channel":1,"num_words":6,"start":2086.12,"end":2087.82},{"sentences":[{"text":"Yeah.","start":2087.5051,"end":2088.0051,"sentiment":"neutral","sentiment_score":0.314048171043396},{"text":"Beautiful.","start":2088.72,"end":2089.22,"sentiment":"positive","sentiment_score":0.7231330871582031},{"text":"I'll go back and complete that research there for you, Lyle.","start":2089.28,"end":2091.92,"sentiment":"positive","sentiment_score":0.5884946503422477},{"text":"If anything does come up at any point that you wanted to, you know, touch base on any questions, you find, please let me know.","start":2091.92,"end":2097.84,"sentiment":"neutral","sentiment_score":0.3037878781557083},{"text":"I'm more than happy to make time to have a chat.","start":2097.84,"end":2100.1,"sentiment":"positive","sentiment_score":0.6512808420441367}],"sentiment":"positive","sentiment_score":0.45447772710907214,"channel":0,"num_words":49,"start":2087.5051,"end":2100.1},{"sentences":[{"text":"Okay?","start":2100.16,"end":2100.66,"sentiment":"neutral","sentiment_score":0.230998694896698}],"sentiment":"neutral","sentiment_score":0.230998694896698,"channel":0,"num_words":1,"start":2100.16,"end":2100.66},{"sentences":[{"text":"Yep.","start":2101.475,"end":2101.975,"sentiment":"neutral","sentiment_score":0.17194989323616028}],"sentiment":"neutral","sentiment_score":0.17194989323616028,"channel":1,"num_words":1,"start":2101.475,"end":2101.975},{"sentences":[{"text":"Mhmm.","start":2103.1648,"end":2103.4048,"sentiment":"neutral","sentiment_score":0.1621345579624176},{"text":"Thank you so much.","start":2103.4048,"end":2104.365,"sentiment":"positive","sentiment_score":0.7822171598672867},{"text":"You know?","start":2104.365,"end":2104.765,"sentiment":"positive","sentiment_score":0.47116392850875854},{"text":"I'll let you go so you can have a restful evening.","start":2104.765,"end":2106.9248,"sentiment":"positive","sentiment_score":0.5968325354836204},{"text":"I hope you have a good night and a good rest of your week.","start":2106.9248,"end":2109.505,"sentiment":"positive","sentiment_score":0.673058135168893}],"sentiment":"positive","sentiment_score":0.631915713660419,"channel":0,"num_words":32,"start":2103.1648,"end":2109.505},{"sentences":[{"text":"Hi, guys.","start":2110.1628,"end":2110.723,"sentiment":"positive","sentiment_score":0.42268237471580505},{"text":"Thanks, pal.","start":2110.723,"end":2111.463,"sentiment":"positive","sentiment_score":0.7070368230342865}],"sentiment":"positive","sentiment_score":0.5648595988750458,"channel":1,"num_words":4,"start":2110.1628,"end":2111.463},{"sentences":[{"text":"Thank you.","start":2111.843,"end":2112.483,"sentiment":"positive","sentiment_score":0.7586642801761627},{"text":"Talk soon.","start":2112.483,"end":2113.123,"sentiment":"positive","sentiment_score":0.5040141344070435},{"text":"See you later.","start":2113.123,"end":2113.943,"sentiment":"positive","sentiment_score":0.4213135441144307}],"sentiment":"positive","sentiment_score":0.5413282087871006,"channel":0,"num_words":7,"start":2111.843,"end":2113.943},{"sentences":[{"text":"Bye.","start":2114.803,"end":2115.303,"sentiment":"neutral","sentiment_score":0.23759588599205017}],"sentiment":"neutral","sentiment_score":0.23759588599205017,"channel":1,"num_words":1,"start":2114.803,"end":2115.303},{"sentences":[{"text":"Bye.","start":2115.843,"end":2116.343,"sentiment":"neutral","sentiment_score":-0.12174516171216963}],"sentiment":"neutral","sentiment_score":-0.12174516171216963,"channel":0,"num_words":1,"start":2115.843,"end":2116.343}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with a customer about their portfolio and annual review. The customer's portfolio is performing well, but there is a problem with one of their investments, Bann theater, which is dishonest to the market. The representative explains that they will remove underperforming investments and adjust to customer needs in the future. They also discuss retirement goals and retirement plans, while providing advice on risk profiles and investment strategies. The speakers provide information on risk profiles and discuss the beneficiary of a life insurance and the maximum tax returns for a growth investment."},"intents":{"segments":[{"text":"And as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly. Just get you to confirm for me just your full name, your date of birth, and address I should have on file. Law business office.","start_word":131,"end_word":175,"intents":[{"intent":"Confirm security","confidence_score":0.025040105},{"intent":"Confirm identity","confidence_score":0.21885817}]},{"text":"While I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there. I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole. But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you.","start_word":191,"end_word":273,"intents":[{"intent":"Provide portfolio update","confidence_score":0.08788439}]},{"text":"She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me. Yeah.","start_word":292,"end_word":319,"intents":[{"intent":"Check portfolio performance","confidence_score":0.056131743}]},{"text":"I did pull up everything to have a bit of a look at it before we jumped in the call. So as a whole, your portfolio has been been doing quite well. And look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see.","start_word":322,"end_word":376,"intents":[{"intent":"Provide feedback","confidence_score":0.00069897407}]},{"text":"But we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there.","start_word":378,"end_word":417,"intents":[{"intent":"Report investment issues","confidence_score":0.015024745}]},{"text":"What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so. Does that make sense?","start_word":544,"end_word":596,"intents":[{"intent":"Update investments","confidence_score":0.057179466}]},{"text":"What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so. Does that make sense? Yeah.","start_word":544,"end_word":597,"intents":[{"intent":"Make contact","confidence_score":0.19923854}]},{"text":"When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that?","start_word":755,"end_word":801,"intents":[{"intent":"Review portfolio management options","confidence_score":0.0010280157}]},{"text":"Did you want me to keep that visibility and maybe just look at maneuvering removing that Bennelong investment and keeping everything else? Or did you want me to sort of have a look at the whole portfolio and see what's gonna provide a benefit for you, if there's maybe a better portfolio, but also what the tax consequences might look like. Yeah.","start_word":1231,"end_word":1292,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.23156987}]},{"text":"If you were if we were to move you into this separately managed account, essentially, what you would see in those lines that under the investments, you would see the o f u s m a product and the amount of money you have in those products, whichever blend that we can set up.","start_word":1517,"end_word":1570,"intents":[{"intent":"Manage investments","confidence_score":0.048136093},{"intent":"Discuss sma product","confidence_score":0.07059755}]},{"text":"The other Yes.","start_word":1632,"end_word":1634,"intents":[{"intent":"Determine structure of investments","confidence_score":0.000092814545}]},{"text":"Did you want that visibility you have now, or did you want me to look at something that can be structured and changed as needed? Yeah.","start_word":1703,"end_word":1728,"intents":[{"intent":"Determine visibility of investments","confidence_score":0.0428293}]},{"text":"And that's the goal. That's perfect.","start_word":1857,"end_word":1862,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.021259721}]},{"text":"The other thing I just want to touch base on is having a look at where you are at the moment, and none of us ever wanna work forever, but what's essentially your goal for when you would like to access super and hopefully retire?","start_word":1924,"end_word":1968,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.026217625}]},{"text":"But once you do reach the age of 60, there are some other strategies that we can put in place where you might be able to keep your same take home pay, put more money into super, and draw a little bit out to, you know, give you some extra income. So we'll look at those other strategies when you're about 60 and see if that provides additional boosting to your retirement figure. Does that sound okay?","start_word":2222,"end_word":2298,"intents":[{"intent":"Discuss retirement strategy","confidence_score":0.055546634}]},{"text":"So we will review that every year with you working towards your goals. And when we can do additional strategies, absolutely looking at those as well.","start_word":2583,"end_word":2608,"intents":[{"intent":"Review goals","confidence_score":0.54019207}]},{"text":"Is there any chance that you would be wanting to put extra money into super by way of salary sacrifice?","start_word":2608,"end_word":2627,"intents":[{"intent":"Put extra money in debt","confidence_score":0.00007315647}]},{"text":"Probably at the moment, I'm trying to work out, like because I'm over 110,000 a year. Like, I'm close to $120 a year now on the job I'm Yeah.","start_word":2640,"end_word":2668,"intents":[{"intent":"Work out","confidence_score":0.45452887}]},{"text":"I'm going on the cruise at the end of the month and I got on a cruise, but every little bit of money at the moment is Helps.","start_word":2779,"end_word":2806,"intents":[{"intent":"Plan cruise","confidence_score":0.0629448}]},{"text":"Whereabouts are you going on the cruise? Is it just local or you're going overseas for a bit? Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of. Yeah.","start_word":2822,"end_word":2862,"intents":[{"intent":"Look at cruise","confidence_score":0.29244587}]},{"text":"Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of. Yeah.","start_word":2840,"end_word":2862,"intents":[{"intent":"Plan trip to belatu","confidence_score":0.0045002415}]},{"text":"I had to go and get a passport two weeks ago because I didn't need a passport to go over there. So Yeah.","start_word":2875,"end_word":2897,"intents":[{"intent":"Purchase passport","confidence_score":0.0788849}]},{"text":"We can definitely have a look at that for you. And, look, that cruise sounds incredible. Hopefully, you enjoy that. That sounds, like, amazing. I also just want to really double check your insurance side of things as well. So I know when you did your annual review with Michelle, she went to let you know about the level of cover you have.","start_word":2940,"end_word":3002,"intents":[{"intent":"Requesting review","confidence_score":0.000017462684}]},{"text":"I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and what? Yeah?","start_word":3460,"end_word":3486,"intents":[{"intent":"Schedule conversation","confidence_score":0.00025039472}]},{"text":"And the last thing to run through is just updating your risk profile questionnaire. I just wanted to make sure that you are invested correctly because we are looking at updating your investment profile. Just wanting to make sure that you're invested in in line with your risk tolerance.","start_word":3489,"end_word":3537,"intents":[{"intent":"Ensure investment is complied with","confidence_score":0.00012592922},{"intent":"Update risk profile questionnaire","confidence_score":0.0146936225}]},{"text":"Are you more likely to call us and see what we suggest you do, or are you feeling a bit concerned and wanting to move into a more secure investment?","start_word":3704,"end_word":3733,"intents":[{"intent":"Expressing concern about future investment","confidence_score":0.0005895961}]},{"text":"When you think about your sleep, are you comfortable taking on more risk to try and get greater potential returns? Do you think you'd be comfortable taking a moderate or medium amount of risk to get the best returns you can? Or are you concerned about the markets and not wanting to take any risk in the market?","start_word":3753,"end_word":3810,"intents":[{"intent":"Discussing risk in investing","confidence_score":0.0001269641},{"intent":"Emphasizing potential returns","confidence_score":0.00021987603}]},{"text":"Or are you concerned about the markets and not wanting to take any risk in the market?","start_word":3794,"end_word":3810,"intents":[{"intent":"Expressing concern about market","confidence_score":0.022345996}]},{"text":"Have you ever thought about borrowing to, say, property or anything like that? I have.","start_word":3934,"end_word":3948,"intents":[{"intent":"Asking about borrowing or borrowing","confidence_score":0.000033789453}]},{"text":"I can understand too. Not a great experience to have in the past, so that's completely okay and understandable.","start_word":4028,"end_word":4046,"intents":[{"intent":"Confirming understanding","confidence_score":0.0099124}]},{"text":"What sort of rent are you paying on a regular basis? $4.50. Right?","start_word":4059,"end_word":4071,"intents":[{"intent":"Explaining current rent","confidence_score":0.0053243577}]},{"text":"But, yeah, we I've got goats. We've had about seven goats here, but then they got Yeah. into Wow.","start_word":4274,"end_word":4292,"intents":[{"intent":"Discuss goats","confidence_score":0.05594734}]},{"text":"I've never owned goats myself, so that is definitely an experience. I'd be shocked.","start_word":4668,"end_word":4681,"intents":[{"intent":"Share goat experiences","confidence_score":0.01611553}]},{"text":"So it definitely does sort of fit right within your time horizon, which is great. The growth investment, we would expect the likelihood of a a negative return, sorry, sort of one in every five years. And the expected return you're looking at for this would be about seven to 9% on a yearly basis. So that sort of fits within where you are, but as long as you're comfortable with that, that's okay. Yep.","start_word":5107,"end_word":5181,"intents":[{"intent":"Assess financial comfort","confidence_score":0.002645435}]},{"text":"Should be 24 of the total. yeah. Wow. And the other one's $20.21 in October. Okay.","start_word":5497,"end_word":5512,"intents":[{"intent":"Manage insurance payments","confidence_score":0.00004196667}]}]},"sentiments":{"segments":[{"text":"Hello. Lowell speaking. Hi, Lyle. This is Dana from OQ Financial. How are you this afternoon? Oh, not too bad. Better now. Because you're running out of good time.","start_word":0,"end_word":28,"sentiment":"neutral","sentiment_score":0.05117752403020859},{"text":"So I just I mean, frustrated all day. I've spent someone at a hot night clock shower.","start_word":29,"end_word":45,"sentiment":"negative","sentiment_score":-0.3972625434398651},{"text":"Oh, lovely. That sounds really nice.","start_word":46,"end_word":51,"sentiment":"positive","sentiment_score":0.4815906882286072},{"text":"Oh, Lila, I did have you booked in for a bit of a catch up after you and the reviewers. Now is still a good time there for you? Yep. Yep.","start_word":52,"end_word":82,"sentiment":"neutral","sentiment_score":0.1815445572137833},{"text":"Beautiful.","start_word":83,"end_word":83,"sentiment":"positive","sentiment_score":0.4637165069580078},{"text":"I'll try try not to take too long there for you. Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Yep.","start_word":84,"end_word":129,"sentiment":"neutral","sentiment_score":0.1447204947471619},{"text":"Beautiful.","start_word":130,"end_word":130,"sentiment":"positive","sentiment_score":0.3608682453632355},{"text":"And as to the security, I am discussing your personal information, so I wanna make sure I do everything correctly. Just get you to confirm for me just your full name, your date of birth, and address I should have on file. Law business office. Hundred And 10 Christiansville Drive, 394737 Yep. 611974.","start_word":131,"end_word":183,"sentiment":"neutral","sentiment_score":0.07459798455238342},{"text":"Beautiful. Thank you so much for that.","start_word":184,"end_word":190,"sentiment":"positive","sentiment_score":0.5327579975128174},{"text":"While I had a bit of a look back, the team have booked you in to have a bit of a chat about your portfolio there. I know you went through your annual review with my colleague, Michelle, and she let you know as to what's been happening as a whole. But we were just sort of booking you in to have a bit of a chat about your portfolio and a bit more detail, looking at updating the advice there for you. Did she kinda give you a Yep. rundown on what was happening in the portfolio there at all? She did tell me that there was one that was not performing, and she advised me probably to change it when and that's why she for me. Yeah. Yeah. Absolutely. I did pull up everything to have a bit of a look at it before we jumped in the call.","start_word":191,"end_word":341,"sentiment":"neutral","sentiment_score":0.10709084570407867},{"text":"So as a whole, your portfolio has been been doing quite well. And look, over the course of the last twelve months, as a whole, you're up over 6.05%, which is really good to see.","start_word":342,"end_word":376,"sentiment":"positive","sentiment_score":0.528839111328125},{"text":"But we have sort of noticed in sort of the last part of last year, generally, around sort of mid to late November, early December, that one of your underlying investments, Bannalong, has had some issues within their funds there.","start_word":377,"end_word":416,"sentiment":"neutral","sentiment_score":-0.2012498378753662},{"text":"One of their underlying investments, Corporate Traveler, was being a bit dishonest to the market and not being honest to their investors.","start_word":417,"end_word":438,"sentiment":"negative","sentiment_score":-0.5627736449241638},{"text":"And that came out to the market at that particular point in time, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which obviously meant, because Bennelong had to hold them, that everyone's kinda going back and reevaluated Bennelong.","start_word":439,"end_word":484,"sentiment":"neutral","sentiment_score":-0.286761611700058},{"text":"So that part of your investment portfolio has been down quite significantly there. It's down by 19%.","start_word":485,"end_word":501,"sentiment":"negative","sentiment_score":-0.4935140013694763},{"text":"So as a whole for yourself, it's showing that your sorry. I'm just having a quick look in hub twenty four to give you the figures. So in your portfolio, it's down by about $2,046 at the moment. So it is down. What we wanted to do is obviously make contact with you, go through your annual review, and we have decided as a business to remove that from your profile from your portfolio and wanting to update and maybe update all of your investments if you're open to doing so. Does that make sense? Yeah. Yeah.","start_word":502,"end_word":598,"sentiment":"neutral","sentiment_score":-0.1523945927619934},{"text":"Excellent.","start_word":599,"end_word":599,"sentiment":"positive","sentiment_score":0.4099411368370056},{"text":"So one of the big things is, obviously, as a business, we are gonna move then along out of there. I just wanted to sort of find out a bit more about what sort of investment profile you should be in and get a bit more detail around what you wanna see from your investments there. Now with this the whole do you log in to Hub 24 very often to have a look at what's going on? Every time I remember the login. How often's that? Well, I was there once a week when I was doing night shift because I was bored. I was just tired of me fine, but Yeah. Yeah. I'm a truck driver now. I don't hardly go on my phone. So No. Of course. it's it's not as not as much what I used to. I should be checking on a bit more. But Yep. No. That's okay. When you sort of have do log in, have log with the portfolio that you can see so when you log in to have 24 and you can see the nine different investment options that you have there, do you like the way you can see that? Do you prefer to see all the investments and where the money is allocated, or is it not sort of as big of a an issue for No. I I I I say no. I can see where where where you got investing your money into. you? Yeah. You do like the visibility side of things? Yeah. Yeah. Yeah. No. That's okay. The main reason for the asking is we've also got some other portfolios that we could definitely look at moving you into, but we do need to do the research first. Essentially, over the course of the last twelve months, our investment our licensee and our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms, and we utilize their investment committee. We essentially have built what's called a separately managed account. One of the benefits of having this sort of separately managed account is that while you lose a bit of visibility on where your money is invested, you having something like that, basically, when, say, Bennelong have this issue, being in a separately managed account allows us to make changes and to remove underperforming or investments that needs to be removed from the portfolio nice and quickly. Whereas the way things are at the moment with you having the visibility that you do, we have to be able to have these conversations and update the advice prior to making any changes to your portfolio. So I just wanted to gauge whether you wanted to keep that visibility in your portfolio or whether you wanted me to look at something like that separately managed account where you might lose some visibility, but we gain a bit more control around removing investments for you. What would you like to see? Well, I'd rather say you could get more money for me. Yeah. More money But for you? if Perfect. if you what's better for you for me not to see that, we will adjust to how you guys benefits me in the long run. Like, I Yeah. I've just opened up I I've just opened up before forty an hour. Now. But last time I've seen it was 279,000, so it's only in 5,000. Then I'll take in the cell. Yeah. Okay. Yeah. So the Benelong itself, that is down by about $2,046.","start_word":600,"end_word":1189,"sentiment":"neutral","sentiment_score":0.08342653112643857},{"text":"That has definitely had a business effect in your portfolio there, and that's probably gonna be what you're seeing. So we definitely wanna make sure that whatever we're doing with regarding the investments is providing more of a benefit to you.","start_word":1190,"end_word":1230,"sentiment":"positive","sentiment_score":0.5012307167053223},{"text":"Did you want me to keep that visibility and maybe just look at maneuvering removing that Bennelong investment and keeping everything else? Or did you want me to sort of have a look at the whole portfolio and see what's gonna provide a benefit for you, if there's maybe a better portfolio, but also what the tax consequences might look like. Yeah. Nine nine eight. Yes. If he if he get better or Yeah. or Yeah. Absolutely. I'm also just pulling up for you just sort of the last annual review as well. Because in 2024, when we did the review then, your balance was about 225,076. So then for us to go up to about $2.78 when we did your annual review on the 02/02/2026, you have seen quite a decent increase there, but then there's a slight pullback because of that been a long being down a little bit. Yeah.","start_word":1231,"end_word":1382,"sentiment":"neutral","sentiment_score":0.11062616854906082},{"text":"I'm happy if you need to change things around. I'm Yeah. happy for you.","start_word":1383,"end_word":1396,"sentiment":"positive","sentiment_score":0.4886491298675537},{"text":"Normally, when when you guys buy stuff, I normally get a email saying this is where you just invested my money into. Yes. So it really it doesn't really need to be on my portfolio then, really, because I thought I did late in the email. I can always see where my money is going to. Yeah. Absolutely. Do you so the way if we looked at that separately managed account, when you sort of logged in to because you said you're looking at your hub 24 now. If you're looking at the investment profile there, you can see you've got your BHYD, your food, your gold, your HAC, your IVs, your POCs, and the banner along below that. If you were if we were to move you into this separately managed account, essentially, what you would see in those lines that under the investments, you would see the o f u s m a product and the amount of money you have in those products, whichever blend that we can set up. So you wouldn't actually see all the underlying investments there, but when the investment committee do do contact and do have their meetings, which at the moment is sort of every quarter, when they do make changes, we can email you through, like, change reports to show you what's being purchased, what's being sold, what's been happening, and the reasoning behind that. The other Yes. alternative is we just keep the investments basically structured the way they are. I'll look at changing all of those for you and see what's gonna work out better for you in the long term. But that you when you log in to Hub 24, you can see the investments essentially the way they are structured at the moment. You can see where your money is allocated to. Did you want that visibility you have now, or did you want me to look at something that can be structured and changed as needed? Yeah. No. I've been doctor as as needed, I think. Yep. So happy for me to Yeah. look at the SMA? Yeah. Yep.","start_word":1397,"end_word":1750,"sentiment":"neutral","sentiment_score":0.08294419866413047},{"text":"Perfect.","start_word":1751,"end_word":1751,"sentiment":"positive","sentiment_score":0.44210535287857056},{"text":"Because when you send me the email, I I have a look through that. Like, I I don't fully understand it, but I know Yeah. that you've got Yeah. using me to buy things to get more money Yep. we can return. Well, Yep. Yeah. Absolutely. Yeah. Yep. I'll I'll come over and put my money in with you. So I'll let you handle Yep. it. Yeah. Because I don't really know much about it. All I know is me me employee puts money into me too far. Then when I Yep. retire, I You I guys I have can taken use that. it. Yeah. And that's the goal.","start_word":1752,"end_word":1860,"sentiment":"neutral","sentiment_score":0.0883902907371521},{"text":"That's perfect.","start_word":1861,"end_word":1862,"sentiment":"positive","sentiment_score":0.5276650190353394},{"text":"No.","start_word":1863,"end_word":1863,"sentiment":"neutral","sentiment_score":0.06384599208831787},{"text":"Well, I'm absolutely happy to go back and have a look at that for you.","start_word":1864,"end_word":1878,"sentiment":"positive","sentiment_score":0.5184921622276306},{"text":"I'll do the research around the SMA product as well as the other options there.","start_word":1879,"end_word":1893,"sentiment":"neutral","sentiment_score":0.3084636628627777},{"text":"You've mentioned to me you're happy to look at that estimate. You're happy to have us make alterations as we need to, which is gonna benefit you, which is fantastic.","start_word":1894,"end_word":1923,"sentiment":"positive","sentiment_score":0.7214488983154297},{"text":"The other thing I just want to touch base on is having a look at where you are at the moment, and none of us ever wanna work forever, but what's essentially your goal for when you would like to access super and hopefully retire? What age are you thinking that would be preferable, Lyle? Well, 67. Yep. Probably when I'm 67, I probably won't work full time. I'll probably go more casual. Like, we only work a couple days a week and welcome. Use a little bit of every year. Yep. Mhmm.","start_word":1924,"end_word":2016,"sentiment":"neutral","sentiment_score":0.08496925234794617},{"text":"So I'm really, really Perfect. out working here.","start_word":2017,"end_word":2024,"sentiment":"positive","sentiment_score":0.4001833498477936},{"text":"Yeah. No. That's okay. So you're looking at sort of dropping hours around about age 67. Do you think there's a chance you might wanna reduce your hours before then? Probably not. No. No. That's okay. And just double checking things. So you're 52 in November. Is that right? Yeah. Perfect. Sorry. I'm very cautious. Never wanna make you older than you actually are.","start_word":2025,"end_word":2088,"sentiment":"neutral","sentiment_score":-0.10103344917297365},{"text":"All good.","start_word":2089,"end_word":2090,"sentiment":"positive","sentiment_score":0.3705368936061859},{"text":"So if we sort of work on age 67 as a base there for you, I can have a look at the different options, what it's gonna do, whether it's gonna provide you know, whether it's expected to provide greater benefit to you. I'll look at the tax consequences around that as well to see what you know, so you can see the advantages, disadvantages, and the tax consequences of altering the portfolio as well. We are working towards about a fifteen year time horizon to the age of 67 at the moment. So I'll probably only project about the next sort of ten years just because there are a lot of factors in play there. A lot of things in your life could change between now to age 67.","start_word":2091,"end_word":2220,"sentiment":"neutral","sentiment_score":0.07791271805763245},{"text":"But once you do reach the age of 60, there are some other strategies that we can put in place where you might be able to keep your same take home pay, put more money into super, and draw a little bit out to, you know, give you some extra income. So we'll look at those other strategies when you're about 60 and see if that provides additional boosting to your retirement figure.","start_word":2221,"end_word":2293,"sentiment":"positive","sentiment_score":0.4648002386093139},{"text":"Does that sound okay? Yeah. Yeah? Anything Yeah. helps? But yeah. I don't think there's anything else. I I was I sort of trust trust you guys with me money.","start_word":2294,"end_word":2323,"sentiment":"neutral","sentiment_score":0.04335859417915344},{"text":"So Thank you.","start_word":2324,"end_word":2326,"sentiment":"positive","sentiment_score":0.43243905901908875},{"text":"because when I when Perfect. I first come over to you guys, look, I only had a 152,000 in in this paper. Yeah. I just can't remember what year I should join you as well. I think it was it's been a while, but I've been with you now. Yeah. I think it was It '20 looks '3. Might be '23 or '22. I'll come over. I that's okay. I can tell you. I'm just popping into the file there just to pull up the document to see when that was. There's nothing in there. Sorry. Won't be a second. So I've got here this I've got here about 2022 was the first advice document. So you've been on board since then. Yeah. In in four years. Yep. That let me see if it was it was when I started in Meatworx years ago when I was a young kid. Yep. I was I was in Meatworx for nearly nineteen years, and Yeah. like, nineteen years in meat works, a 152 gram was it wasn't really really much. But No. since Yeah. I've been with you, like, you guys have nearly nearly double one money in four years. Yeah.","start_word":2327,"end_word":2525,"sentiment":"neutral","sentiment_score":0.04831135272979736},{"text":"Perfect.","start_word":2526,"end_word":2526,"sentiment":"positive","sentiment_score":0.4729321300983429},{"text":"Well, we'll definitely make it make sure it's working as hard as possible for you. And if we move into the SMA product, it doesn't sort of stop the needle having regular reviews and catch ups and, you know, checking things because we still wanna make sure that that product is still working for you. So we will review that every year with you working towards your goals. And when we can do additional strategies, absolutely looking at those as well. Is there any chance that you would be wanting to put extra money into super by way of salary sacrifice? Are you finding it's just too tight with expenditure at the moment? Probably at the moment, I'm trying to work out, like because I'm over 110,000 a year. Like, I'm close to $120 a year now on the job I'm Yeah. on if I stay there. Yep. I'm trying to work out which way is it better. Like, I'm I'm doing health private health insurance Yep. cycle. I'm just I'm probably gonna probably wait till that end of the year, and I'm gonna do the tax to see how it's if I'm gonna pay tax or am I gonna get money back. Yep. I probably ran about towards probably when I do the tax. It's probably bigger than this. Hell, I'm gonna get I'm gonna put money in these people or not. Yeah. Absolutely. Oh, I I So June, July would look at that for you. Yep. want to, but Yeah. I'm going on the cruise at the end of the month and I got on a cruise, but every little bit of money at the moment is Helps. what helps me put Wow. away at the moment. Yeah. No. Fantastic.","start_word":2527,"end_word":2818,"sentiment":"neutral","sentiment_score":0.030879086221581045},{"text":"That sounds amazing.","start_word":2819,"end_word":2821,"sentiment":"positive","sentiment_score":0.3599170744419098},{"text":"Whereabouts are you going on the cruise? Is it just local or you're going overseas for a bit? Looking at down on the seven day cruise to Benelatu, Misty Island, vanilla, and there's another island there I can't think of. Yeah. For seven days in October.","start_word":2822,"end_word":2867,"sentiment":"neutral","sentiment_score":0.032202158123254776},{"text":"That sounds amazing.","start_word":2868,"end_word":2870,"sentiment":"positive","sentiment_score":0.4271054267883301},{"text":"Yeah. That'll be great. I had to go and get a passport two weeks ago because I didn't need a passport to go over there. So Yeah. That's That's expensive, perfect. though, isn't it? The parcels have gone up a lot. 450. That's it. Wow. That's it. That's Alright. insane. I'll I'll buy you it. As I said earlier, they see us all coming. Wow. No.","start_word":2871,"end_word":2936,"sentiment":"neutral","sentiment_score":0.011019791049572328},{"text":"That's absolutely fine. We can definitely have a look at that for you. And, look, that cruise sounds incredible. Hopefully, you enjoy that. That sounds, like, amazing.","start_word":2937,"end_word":2963,"sentiment":"positive","sentiment_score":0.6532926559448242},{"text":"I also just want to really double check your insurance side of things as well. So I know when you did your annual review with Michelle, she went to let you know about the level of cover you have. You've got some life and TBD here. It just sort of means that in the event of passing, your life cover is paid out. You have a current sum insured of 268,250, and your super benefit is also sorry. I'm just looking at the wrong document. I do apologize. Your life because I'm insured is 296,872. And then your super benefit is also paid out to your, beneficiary on passing as well. Does the current sum insured for your life cover are you comfortable with that? Did you wanna look at altering that at all? Or Probably not at this at this stage. I'll I'll probably yep. will a little bit later than that. Yep. Dump truck. Probably not just at the moment. No. No. That's okay. I've also got your total permanent disability cover here. So that essentially pays out either a pension amount or a lump sum benefit in the event that you're unable to ever go back to work again. TPD is a taxable income, so it is taxed if you are on claim under the age of 60. But the current sum insured is 296,872. And, again, if you are TBD, they're under permanent incapacity, we can get access to your super there as well. Are you comfortable with that level of cover you have for TBD? Did you wanna look at altering that at all? Not really not really. No. Not Happy with that? Yeah. That's okay. That's alright. I've also got it noted here you not don't have any income protection cover. So in the event of, in the shorter term, being unable to go to work, you don't have anything as a monthly benefit to fall back on. But I can see that you do have some savings set aside there as well. You're comfortable not having any income protection?","start_word":2964,"end_word":3309,"sentiment":"neutral","sentiment_score":-0.0167236105280503},{"text":"Not yet. Not at the moment.","start_word":3310,"end_word":3315,"sentiment":"negative","sentiment_score":-0.347961962223053},{"text":"Yep. Yeah. Yeah. That's okay. And there is other types of insurance that you can hold as well, like trauma. Trauma, unlike the others, isn't paid inside too, but it does have to be paid out of your back pocket. So it does come down to what your expenditure looks like, but trauma pays out a lump sum tax free benefit in the event of, like, a traumatic diagnosis, like, say, Parkinson's, having a heart attack, certain cancers as well. You don't have any trauma at the moment. Did you wanna look at getting some trauma, or you're happy not worrying about it? Probably not at this stage. Yeah.","start_word":3316,"end_word":3424,"sentiment":"neutral","sentiment_score":0.02057197131216526},{"text":"That's absolutely okay.","start_word":3425,"end_word":3427,"sentiment":"positive","sentiment_score":0.4081743657588959},{"text":"I just need to make sure I go through those with you and make sure that you're comfortable with that. If you ever decide you wanna look at insurances, let me know. I'll be more than happy to have those conversations, break down them a bit more detail, and work out what you do actually need and what? Yeah? Yep.","start_word":3428,"end_word":3487,"sentiment":"neutral","sentiment_score":0.2722959518432617},{"text":"Beautiful.","start_word":3488,"end_word":3488,"sentiment":"positive","sentiment_score":0.4846462607383728},{"text":"And the last thing to run through is just updating your risk profile questionnaire. I just wanted to make sure that you are invested correctly because we are looking at updating your investment profile. Just wanting to make sure that you're invested in in line with your risk tolerance. The first question here is just have you ever owned direct shares in your own name before? What was that, ma'am? You're right. Have you ever owned direct shares in your own name? Not. Nope. That's okay. Beautiful. We're working here on a sorry. An age of about 67 for the time, and so it does sort of note here that you do have about fifteen years before you're wanting to access super. I am correct in saying that you're happy for 67 to be your access age at the moment. At the moment. Yeah. Yeah. Cool. If that ever does change, please feel free to let me know as well. Okay? The next question here is asking if you did look at your super over the next sort of six months and you saw it had fallen by 20% due to external market factors, how might you be feeling? Are you wanting to put more money into the investment? It could be a buying opportunity. Are you more likely to call us and see what we suggest you do, or are you feeling a bit concerned and wanting to move into a more secure investment? I'll probably ring you up and ask you for Yeah. a pen.","start_word":3489,"end_word":3745,"sentiment":"neutral","sentiment_score":0.03980754172349718},{"text":"Beautiful. It's a really good answer. Lovely.","start_word":3746,"end_word":3752,"sentiment":"positive","sentiment_score":0.632958710193634},{"text":"When you think about your sleep, are you comfortable taking on more risk to try and get greater potential returns? Do you think you'd be comfortable taking a moderate or medium amount of risk to get the best returns you can? Or are you concerned about the markets and not wanting to take any risk in the market? I'll take a little bit of a gamble, but long long long as it's not too much. But Yeah. they probably take a little bit of a risk. I guess. Yeah. Yep. Do you feel like you'd be sort of in the middle, or do you feel like like, with the questions I just went through with the the top answer or the middle option, do you think you'd be in Yes. between that a little bit? Yeah.","start_word":3753,"end_word":3888,"sentiment":"neutral","sentiment_score":0.0021407478488981724},{"text":"Beautiful. Excellent.","start_word":3889,"end_word":3890,"sentiment":"positive","sentiment_score":0.3569954037666321},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you never wanna borrow for that sort of investing? Probably at this stage. No. Yep. That's okay. Have you ever thought about borrowing to, say, property or anything like that? I have. Yeah. But wife doesn't want the idea. Because up from within South and when we moved up here, we tried to keep it Yeah. and tried to rent it out. And Yep. the price of living, paying rent up here, paying household. It was we were really struggling and Yeah. probably it's all that place down there, paid it out. And we we only walked out with probably about $20 Yeah. profit. Wow. Yeah. It's a lot. Yeah. No. I can understand too. Not a great experience to have in the past, so that's completely okay and understandable. Are you guys renting where you are Yeah. at the moment? Yeah. What sort of rent are you paying on a regular basis? $4.50. Right? Okay. That's actually not bad, isn't it? No. It's pretty good. Yeah. But, like, my mom just I told him he might have been a four year run and he's Yeah. got me. Because when it's the house we're running we're running it's only a two bedroom house. And so I see the I can pay for Yeah. that the same house in my car. You're paying up to about $8,800 a week. Yeah. Wow. And and, like, the car where where I'm 24 k south of the car. Yep. Yeah. Wow. And that's in in price in rent. Yeah. Well yeah.","start_word":3891,"end_word":4173,"sentiment":"neutral","sentiment_score":-0.04746454259110845},{"text":"Well, we're on the Gold Coast, and rent is horrendous here for anything.","start_word":4174,"end_word":4186,"sentiment":"negative","sentiment_score":-0.562195897102356},{"text":"And I live over the border in New South Wales, and because we are so close to the Gold Coast there, the same thing. To get, Yeah. like, a Well, small one bedroom anything, you're paying anywhere between 5 to $600 a week.","start_word":4187,"end_word":4229,"sentiment":"neutral","sentiment_score":-0.26164302229881287},{"text":"It's horrendous down there as well.","start_word":4230,"end_word":4235,"sentiment":"negative","sentiment_score":-0.6584651470184326},{"text":"Wow. Yeah. okay. I'm I'm on Friday because we're we're we're out. What?","start_word":4236,"end_word":4248,"sentiment":"neutral","sentiment_score":0.004570937249809504},{"text":"That's excellent.","start_word":4249,"end_word":4250,"sentiment":"positive","sentiment_score":0.3701942265033722},{"text":"Yeah. Wow. Five acres. Yes. I'm Wow. I'm at two acres of of the five and the rest of Yeah. it's just. Yeah. But, yeah, we I've got goats. We've had about seven goats here, but then they got Yeah. into Wow. lantana. Lantana kills goats. Yeah. So Yep. we end up lose a lot. If you guys eating antenna. Yeah. Wow. Yeah. You got one left. Sorry. Oh, wow. And with the goats, do you, like, milk them, or, like, what what's the main sort of reason for raising goats? Are they just pets, or do you have a, like, a business idea for them? Or I I just ate the grass. Long long yep. grass. Yep.","start_word":4251,"end_word":4368,"sentiment":"neutral","sentiment_score":-0.02399071864783764},{"text":"Perfect.","start_word":4369,"end_word":4369,"sentiment":"positive","sentiment_score":0.3606667220592499},{"text":"Lawn mowers. Yeah. I did did buy a mile and he got a little bit because he was very female. He was when we first got in, he was a friendly thing. You could do anything to him. Yeah. You can sit on his back No. and do anything with him, and he just had to get a little bit funny. I don't know Yeah. if it was just another goat around. I don't know if anyone Yes. else has got goat there. And did not think he just smelled, but I was seeing my goat with a hormone. Yep. So I said I said to me, talk to my wife, and I said, oh, I think we might just buy a female keep a female around here. And Yeah. I like to see a couple of what's three we got three littles as a as a female, Yeah. and Wow. it's a decent twin. Wow. Yeah. Yeah. So we've only got one left out of seven. So Yeah. Do you plan to get some more? Or no. That is a little the one once this one, he goes. The next door neighbor wants to buy this one off. It's not that she's a pain in the ass, this one. We tie her up because she just wanders everywhere. Yep. And Yep. I don't like having animals down there, and she seems to go down there a fair bit. So I'll keep saying to what? You're tired. I tired up. And the next to my baby says, oh, no. No. Let her ride because she comes up and eats food grass up this place. Daddy wants a Yeah. Oh, you have to start charging them for having mowing their their lawn. Oh, yep. Wow. Oh, wow.","start_word":4370,"end_word":4665,"sentiment":"neutral","sentiment_score":-0.007491996423718897},{"text":"That's incredible.","start_word":4666,"end_word":4667,"sentiment":"positive","sentiment_score":0.4283980429172516},{"text":"I've never owned goats myself, so that is definitely an experience. I'd be shocked. Wow. I wanna I first got my parents go, are you you're a good boy and go, okay, eat anything? Clothes or clothes on? Yeah. Wow. Not not not once have I purchased clothes or clothes on. Not one. Yeah. Wow.","start_word":4668,"end_word":4722,"sentiment":"neutral","sentiment_score":0.07056058943271637},{"text":"That's incredible. That's amazing. Wow. Well, that's really cool. Thank you for updating. That's fantastic. It's good to know.","start_word":4723,"end_word":4741,"sentiment":"positive","sentiment_score":0.48230868577957153},{"text":"I'll keep that in mind if they're no. I find anyone with goats. Definitely not something I would wonder.","start_word":4742,"end_word":4760,"sentiment":"neutral","sentiment_score":-0.050924603876314666},{"text":"I heard they smell really bad.","start_word":4761,"end_word":4766,"sentiment":"negative","sentiment_score":-0.4330224394798279},{"text":"The Is that right? male one. The male Yep. one. Yeah. Okay. The Cool. male That's one. cool.","start_word":4767,"end_word":4784,"sentiment":"neutral","sentiment_score":0.007693665567785501},{"text":"He absolutely stunk of time.","start_word":4785,"end_word":4789,"sentiment":"negative","sentiment_score":-0.3785976767539978},{"text":"Yeah. Wow. And anything we couldn't do with him was barkeep. Yeah. Wow. He did not let us put water on it. Yep. Wow. That's that's amazing. Yeah. That's amazing because the females would have the pheromones for mating season, so you'd think that they would have more of an odor to them, but that's interesting. Yeah. But probably probably probably probably probably when they're on heat, Well, that's man. right. Yeah. Yeah. Yeah. Yeah. They're the males. Wow. They are dirty guys because Yep. they piss on the piss or and everything like that. Like, he used to suck on it on his beetle all the time. You see, all the time, he's sucking on it. I don't know if you suck a dirty cat. Oh, no. That's perfect. All good. Lyle, I have just tallied up the scores here for your risk profile question. You have scored within that growth risk profile. So, generally, a growth investor does see about 80% of their super invested in growth assets, so things like Australian shares, international shares, some property, and also some commodities like gold and silver. You would generally also see about 20% in low risk defensive investments like cash bonds and fixed interest. So having a mixed load helps with diversifying and helping to spread your risk level, which over the course of time can help to reduce the risk. Growth investments Yes. where you get the greater potential returns and defensive investments to help sort of spread the this level and give you some income producing investments there as well. Are you happy looking to staying within that sort of asset allocation? Oh, I think so. I think that seems to be the the way for the gain money outside. Yeah. Yeah. Yeah. Absolutely. This sort of profile fits someone who has at least six years before they're wanting to access their super.","start_word":4790,"end_word":5105,"sentiment":"neutral","sentiment_score":0.03497641533613205},{"text":"So it definitely does sort of fit right within your time horizon, which is great.","start_word":5106,"end_word":5120,"sentiment":"positive","sentiment_score":0.5796706080436707},{"text":"The growth investment, we would expect the likelihood of a a negative return, sorry, sort of one in every five years.","start_word":5121,"end_word":5141,"sentiment":"negative","sentiment_score":-0.3746562600135803},{"text":"And the expected return you're looking at for this would be about seven to 9% on a yearly basis. So that sort of fits within where you are, but as long as you're comfortable with that, that's okay. Yep. Okay. Yep.","start_word":5142,"end_word":5182,"sentiment":"neutral","sentiment_score":-0.07682596892118454},{"text":"Beautiful.","start_word":5183,"end_word":5183,"sentiment":"positive","sentiment_score":0.5776228904724121},{"text":"Like, even change, like, if you if you guys so notice that when that time comes, you can probably change that, couldn't you? Absolutely. So where you are now and the reason we do wanna check that every year with you is as you get closer and closer to wanting to access your super, you'll find you don't wanna take as much risk in the market, and you really should the closer you get. If you sort of think back to the GFC when a lot of people did retire right around that point where everything dropped around late two thousand nine, a lot of people did cement those losses in their retirement years. So what we we don't want that to happen to you is that as we get closer as you get closer to the age of 67, we'll start to reduce your risk in the market, bring some more of those defensive investments in there, and tend to pull you back a little bit. But for right now, that definitely does fit your time horizon. But it's also said if you feel like you wanna retire earlier than age 67, please let me know because I wanna make sure that we've got you in the right risk profile as well. Okay? Yeah. No. I think I could probably go to 67 if I take them when I'm done. Perfect. Perfect. All good. I also just noticed here we don't really have any beneficiary nominations noted here for you. I know Michelle did have a conversation with you around that. If in the event you were to pass away, who do you want your super and your life insurance directed through to? Probably walking too quick. Wife. Yep. That's okay. And your wife's name is Samantha? Yeah. Yep. Beautiful. Your two kids today? Oh, Adults? Or they're at $1.20 20. Should be 24 of the total. yeah. Wow. And the other one's $20.21 in October. Okay.","start_word":5184,"end_word":5511,"sentiment":"neutral","sentiment_score":0.02615450613382386},{"text":"Beautiful.","start_word":5512,"end_word":5512,"sentiment":"positive","sentiment_score":0.6415691375732422},{"text":"Would you want the super and the life insurance to go straight to Samantha and have her sort of directed out, or did you want to nominate your kids as well? The kids as well?","start_word":5513,"end_word":5547,"sentiment":"neutral","sentiment_score":0.2134844660758972},{"text":"Yeah. Awesome. Well, as part of the advice, if you like, I can put the estate planning in there and also kind of show you how you should nominate the beneficiaries to make sure it's the most tax effective way.","start_word":5548,"end_word":5587,"sentiment":"positive","sentiment_score":0.3657200634479522},{"text":"Because with your super in your life insurance, if you were to pass away, with Samantha as your wife, she is your spouse. So under law, she can receive the benefit completely tax free. However, if you then also paid some to your adult children directly to them, they would actually pay tax on the taxable component. So there is a way that that you can reduce the tax paid to the kids. If you're comfortable with me including that in the recommendations, I can do that for you. Yeah. Yep.","start_word":5588,"end_word":5678,"sentiment":"neutral","sentiment_score":0.1940659135580063},{"text":"Perfect.","start_word":5679,"end_word":5679,"sentiment":"positive","sentiment_score":0.3539855480194092},{"text":"So we want do you know how much you want to go to Samantha and how much you want paid to your kids? Probably 50% of the meters and probably 25 the same age for To the the kids? Yeah.","start_word":5680,"end_word":5719,"sentiment":"neutral","sentiment_score":0.1066148728132248},{"text":"Perfect. Beautiful. Not a problem.","start_word":5720,"end_word":5724,"sentiment":"positive","sentiment_score":0.3976871371269226},{"text":"I kids.","start_word":5725,"end_word":5726,"sentiment":"neutral","sentiment_score":0.3297369182109833},{"text":"can include the estate planning there for you, Lyle, and show you how to make those how to make those beneficiaries in the most tax effective way for you.","start_word":5727,"end_word":5755,"sentiment":"positive","sentiment_score":0.4213081896305084},{"text":"Okay? Yep. Perfect. I know I have gone through a lot with you. Do you have any questions for me? Did you want me to break anything further down for you? Or No. No. No. Okay. no. Alright. I'll Yeah. go to let me see what I'm doing. Yeah. That's okay. Well, what I'll do is I'll go back now with my beautiful team. We'll go through and do some research for you. Once we've got the advice document ready to go, it does take a couple of weeks to do all the research that we need to. And once we've got the advice document ready, we'll come back and I'll go through it with you so you can see what I'm recommending, the advantages, disadvantages, and the risks involved. How does that sound? Yeah?","start_word":5756,"end_word":5890,"sentiment":"neutral","sentiment_score":0.08152318000793457},{"text":"Beautiful. Look.","start_word":5891,"end_word":5892,"sentiment":"positive","sentiment_score":0.6733165383338928},{"text":"Before I do let you go, is there anything you want any other questions that you might have that sort of popped up at all or everything's covered? No. I didn't. You covered everything. Yeah.","start_word":5893,"end_word":5927,"sentiment":"neutral","sentiment_score":0.0030653567519038916},{"text":"Beautiful. I'll go back and complete that research there for you, Lyle.","start_word":5928,"end_word":5939,"sentiment":"positive","sentiment_score":0.5900829434394836},{"text":"If anything does come up at any point that you wanted to, you know, touch base on any questions, you find, please let me know.","start_word":5940,"end_word":5964,"sentiment":"neutral","sentiment_score":0.3014475107192993},{"text":"I'm more than happy to make time to have a chat.","start_word":5965,"end_word":5975,"sentiment":"positive","sentiment_score":0.6320760250091553},{"text":"Okay? Yep. Mhmm.","start_word":5976,"end_word":5978,"sentiment":"neutral","sentiment_score":0.18070946633815765},{"text":"Thank you so much. You know? I'll let you go so you can have a restful evening. I hope you have a good night and a good rest of your week. Hi, guys. Thanks, pal. Thank you. Talk soon. See you later.","start_word":5979,"end_word":6020,"sentiment":"positive","sentiment_score":0.6137754917144775},{"text":"Bye. Bye.","start_word":6021,"end_word":6022,"sentiment":"neutral","sentiment_score":0.2184722125530243}],"average":{"sentiment":"neutral","sentiment_score":0.06425334682192155}}}}