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So I'm just returning her call. Yes. Yeah. If she's available, that'd be good. Alright. Date of birth is the '69, and address is 4 Slash 12 Copest Court, Queensland, Holywell 4216. No worries. Thank you. Thanks. Hi, Dana. It's Anne Brumwin. I hi. How are you? Yeah. Busy. Sorry I missed your call. I was in a meeting, but I can talk now if you've got this wrong, or we can reschedule. Yep. Yes. Yes. I do. Yep. Was that was that the stupid side of it? Is that correct? Yes. Okay. Yeah. Yep. Okay. Okay. Right. Yep. Yeah. That's fine. Yep. Yep. Yeah. Yeah. I just Okay. Yeah. It's sort of emergency and more probably more retirement. So I don't, you know, I just wanna yeah. I got it sort of for later on if I can. Yeah. Yeah. Yeah. I think so. If it's doing doing well. So yeah. If it's doing the best. Yeah. Yeah. So what are the other ways to utilize it? Yep. Yeah. Well, I was yeah. I have my own business. Yep. Okay. Yeah. Yeah. Yeah. Yeah. Well, I think yeah. I sorta just leave it and leave it up to you guys being the, you know, the professionals with it just to do what needs to be done. Yes. Yeah. Yeah. If you wanna have a look and see if there's something that'll work better. Yeah. Yep. And so did you say did you say at the moment, is it 60 that I can start accessing super? Is that what you said? From 65? Yep. Yep. Yep. Okay. Yeah. I'm not sure. I haven't really thought about that part of it, but it's not too far away, I suppose. Yeah. Yeah. So I've got a homestay business. They're helping students find homestay accommodation. Yeah. So we work with agents and students. Yeah. And with with families, finding good families for them to stay with. Yeah. Yeah. Yeah. Yep. We do. Yep. We do. I'm sorry. My department. I don't add any extra, but we pay, you know, obviously, the the percentage that has to be paid each quarter. Yep. Yep. No. So what what's what's the average that a single person made? Yeah. Yeah. Yeah. Yep. Correct. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. So even if it's like a like a thousand dollars a week or something. Yeah. Yep. Yep. And that's doable is what I've got. Yep. Yes. Okay. Yep. Yeah. I do. Yep. Okay. Yep. Like, catch up like a catch up contribution. Yeah. Yep. Okay. Yep. Do it easy. I don't know. I mean yeah. I'd like to have 60. I don't know. Maybe maybe do it for 65. Yeah. Yeah. I guess so. Yeah. Yeah. Plan it on that. Probably need to pull that. No. I do it on the thousand a week. Yeah. Yes. Correct. Yep. That's okay. Well, one is a little bit, I suppose. He lives with me and pays, you know, pays a little bit of rent. So I do support him, I guess, a little bit. Yeah. Yep. No. Yeah. It's sort of just back up for me. Yeah. And I Investment? No. I don't add anything to it. I haven't added anything in for both. So it's just purely from what the market's doing, I guess. Yeah. Yeah. Sounds good. Yep. Okay. Okay. Yes. I have. Yep. No. I don't. I sold them and then put them into oh, they're just okay to sort out. Yep. Possibly. But, yeah, depending on what life throws at me. Yeah. That's. No. No. Yep. Yes. Probably in the middle, I'd say. Yep. Yep. Mhmm. I guess I'd just wait it out until it it comes up again. Yeah. Or possibly ring the credit card. Yeah. Yep. The highest, I guess, possible? Six to eight? Yeah. Wishful thinking? No. I never thought of it, and I probably would yeah. I don't really wanna do that. Mhmm. A bit cautious, but, no, I know that it fluctuates with, you know, global circumstances. So, yeah, Just wait it out. Post this. Yep. Yep. Yep. Yep. Yep. I think I'm comfortable with where it's at. Yeah. Yes. Yes. I think first. Yes. Right. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yep. Oh, I don't know. I think it's been okay the way it is, so that's that's a little bit more risk. Is that right? Yeah? Yep. Yeah. Yeah. Yeah. I do see. I do log in and do that. Yep. Right. Okay. Right. Yes. Yeah. Yep. Yep. Yep. Yeah. I think so. Yeah. Yeah. No. I like the first option, like you said. Yeah. You having access to, you know, easier to make changes if needed. Yeah. Okay. Yep. So does that mean I don't I go from am I still have '24, or does that move to something different party still? Yes. K. Yep. Yep. Yep. Okay. That's good. Yep. Mhmm. Yep. Yep. Yeah. That's fine. Yep. Yep. Yeah. Okay. No. That sounds good. If you can research all that and let me know. Yeah. No. No. No. Yeah. I do. I've got a I've done one of the, like, the online little thing. So what do you offer some sort of option there? Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. I know probate. Yep. Yep. Yep. Yep. Okay. Yeah. That sounds good. Yeah. Yep. Correct. Yep. Yeah. Definitely. Okay. Yep. Yep. Yeah. Yeah. Yeah. Yeah. That sounds good. Definitely. Thanks for that. Yeah. Yep. Yep. Sounds good. Okay. Yeah. I will be. I try and save my, you know, my wage and what I earn, so that sort of stuff. So so I've had a couple of holidays the last few years to UK and Europe and stuff. So I don't usually I think I did access 10,000 in 2020 4, so towards that. But, yeah, I don't think so. I'll try not to touch it. Yeah. I know. Yeah. Yeah. Yes. Accessing. K. Yep. Yep. Yeah. That could be an option, though. As long as it's it's gonna keep making money too as much as yeah. Obviously. Yeah. Yep. Yeah. That's good. Yep. Okay. Sounds good. Yep. Alright. So you'll you'll you'll send me through the myGov thing to access that? Yep. Yep. Yep. Okay. Okay. Excellent. Thank you. Okay. No. That's okay. Thanks for that. Sorry for the yeah. For missing it. Yeah. Yep. Okay. Great. Alright. No worries. We'll talk to you within the next few weeks. Yep. Okay. Okay. Yep. Yep. Yep. Okay. Alright. Sounds good. No worries. Thanks for that. Okay. Thank you. You too. Bye. 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Hi there. I was just wondering if I could speak to Dana. It's Bronwyn Ecklund. I think I missed a call from her.\n\nI think I had a meeting. Sorry. Yeah. 03:00, and I forgot. And yeah.\n\nSo I'm just returning her call. Yes. Yeah. If she's available, that'd be good. Alright.\n\nDate of birth is the '69, and address is 4 Slash 12 Copest Court, Queensland, Holywell 4216. No worries. Thank you. Thanks. Hi, Dana.\n\nIt's Anne Brumwin. I hi. How are you? Yeah. Busy.\n\nSorry I missed your call. I was in a meeting, but I can talk now if you've got this wrong, or we can reschedule. Yep. Yes. Yes.\n\nI do. Yep. Was that was that the stupid side of it? Is that correct? Yes.\n\nOkay. Yeah. Yep. Okay. Okay.\n\nRight. Yep. Yeah. That's fine. Yep.\n\nYep. Yeah. Yeah. I just Okay. Yeah.\n\nIt's sort of emergency and more probably more retirement. So I don't, you know, I just wanna yeah. I got it sort of for later on if I can. Yeah. Yeah.\n\nYeah. I think so. If it's doing doing well. So yeah. If it's doing the best.\n\nYeah. Yeah. So what are the other ways to utilize it? Yep. Yeah.\n\nWell, I was yeah. I have my own business. Yep. Okay. Yeah.\n\nYeah. Yeah. Yeah. Well, I think yeah. I sorta just leave it and leave it up to you guys being the, you know, the professionals with it just to do what needs to be done.\n\nYes. Yeah. Yeah. If you wanna have a look and see if there's something that'll work better. Yeah.\n\nYep. And so did you say did you say at the moment, is it 60 that I can start accessing super? Is that what you said? From 65? Yep.\n\nYep. Yep. Okay. Yeah. I'm not sure.\n\nI haven't really thought about that part of it, but it's not too far away, I suppose. Yeah. Yeah. So I've got a homestay business. They're helping students find homestay accommodation.\n\nYeah. So we work with agents and students. Yeah. And with with families, finding good families for them to stay with. Yeah.\n\nYeah. Yeah. Yep. We do. Yep.\n\nWe do. I'm sorry. My department. I don't add any extra, but we pay, you know, obviously, the the percentage that has to be paid each quarter. Yep.\n\nYep. No. So what what's what's the average that a single person made? Yeah. Yeah.\n\nYeah. Yep. Correct. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nSo even if it's like a like a thousand dollars a week or something. Yeah. Yep. Yep. And that's doable is what I've got.\n\nYep. Yes. Okay. Yep. Yeah.\n\nI do. Yep. Okay. Yep. Like, catch up like a catch up contribution.\n\nYeah. Yep. Okay. Yep. Do it easy.\n\nI don't know. I mean yeah. I'd like to have 60. I don't know. Maybe maybe do it for 65.\n\nYeah. Yeah. I guess so. Yeah. Yeah.\n\nPlan it on that. Probably need to pull that. No. I do it on the thousand a week. Yeah.\n\nYes. Correct. Yep. That's okay. Well, one is a little bit, I suppose.\n\nHe lives with me and pays, you know, pays a little bit of rent. So I do support him, I guess, a little bit. Yeah. Yep. No.\n\nYeah. It's sort of just back up for me. Yeah. And I Investment? No.\n\nI don't add anything to it. I haven't added anything in for both. So it's just purely from what the market's doing, I guess. Yeah. Yeah.\n\nSounds good. Yep. Okay. Okay. Yes.\n\nI have. Yep. No. I don't. I sold them and then put them into oh, they're just okay to sort out.\n\nYep. Possibly. But, yeah, depending on what life throws at me. Yeah. That's.\n\nNo. No. Yep. Yes. Probably in the middle, I'd say.\n\nYep. Yep. Mhmm. I guess I'd just wait it out until it it comes up again. Yeah.\n\nOr possibly ring the credit card. Yeah. Yep. The highest, I guess, possible? Six to eight?\n\nYeah. Wishful thinking? No. I never thought of it, and I probably would yeah. I don't really wanna do that.\n\nMhmm. A bit cautious, but, no, I know that it fluctuates with, you know, global circumstances. So, yeah, Just wait it out. Post this. Yep.\n\nYep. Yep. Yep. Yep. I think I'm comfortable with where it's at.\n\nYeah. Yes. Yes. I think first. Yes.\n\nRight. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Yep. Oh, I don't know. I think it's been okay the way it is, so that's that's a little bit more risk.\n\nIs that right? Yeah? Yep. Yeah. Yeah.\n\nYeah. I do see. I do log in and do that. Yep. Right.\n\nOkay. Right. Yes. Yeah. Yep.\n\nYep. Yep. Yeah. I think so. Yeah.\n\nYeah. No. I like the first option, like you said. Yeah. You having access to, you know, easier to make changes if needed.\n\nYeah. Okay. Yep. So does that mean I don't I go from am I still have '24, or does that move to something different party still? Yes.\n\nK. Yep. Yep. Yep. Okay.\n\nThat's good. Yep. Mhmm. Yep. Yep.\n\nYeah. That's fine. Yep. Yep. Yeah.\n\nOkay. No. That sounds good. If you can research all that and let me know. Yeah.\n\nNo. No. No. Yeah. I do.\n\nI've got a I've done one of the, like, the online little thing. So what do you offer some sort of option there? Yep. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. I know probate.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. That sounds good. Yeah. Yep. Correct.\n\nYep. Yeah. Definitely. Okay. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nThat sounds good. Definitely. Thanks for that. Yeah. Yep.\n\nYep. Sounds good. Okay. Yeah. I will be.\n\nI try and save my, you know, my wage and what I earn, so that sort of stuff. So so I've had a couple of holidays the last few years to UK and Europe and stuff. So I don't usually I think I did access 10,000 in 2020 4, so towards that. But, yeah, I don't think so. I'll try not to touch it.\n\nYeah. I know. Yeah. Yeah. Yes.\n\nAccessing. K. Yep. Yep. Yeah.\n\nThat could be an option, though. As long as it's it's gonna keep making money too as much as yeah. Obviously. Yeah. Yep.\n\nYeah. That's good. Yep. Okay. Sounds good.\n\nYep. Alright. So you'll you'll you'll send me through the myGov thing to access that? Yep. Yep.\n\nYep. Okay. Okay. Excellent. Thank you.\n\nOkay. No. That's okay. Thanks for that. Sorry for the yeah.\n\nFor missing it. Yeah. Yep. Okay. Great.\n\nAlright. No worries. We'll talk to you within the next few weeks. Yep. Okay.\n\nOkay. Yep. Yep. Yep. Okay.\n\nAlright. Sounds good. No worries. Thanks for that. Okay.\n\nThank you. You too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":5.7599998,"end":6.0,"sentiment":"neutral","sentiment_score":0.05324136465787888},{"text":"Hi there.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.028393054381012917},{"text":"I was just wondering if I could speak to Dana.","start":6.3199997,"end":9.059999,"sentiment":"neutral","sentiment_score":0.007555327843874693},{"text":"It's Bronwyn Ecklund.","start":13.425,"end":14.705,"sentiment":"neutral","sentiment_score":-0.025845535720388096},{"text":"I think I missed a call from her.","start":14.705,"end":17.045,"sentiment":"neutral","sentiment_score":-0.19834823720157146}],"sentiment":"neutral","sentiment_score":-0.06161423970479518,"num_words":24,"start":5.7599998,"end":17.045},{"sentences":[{"text":"I think I had a 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too.","start":2004.4069,"end":2004.9669,"sentiment":"positive","sentiment_score":0.42314767837524414},{"text":"Bye.","start":2004.9669,"end":2005.4669,"sentiment":"neutral","sentiment_score":0.31281203031539917},{"text":"Bye.","start":2005.6069,"end":2006.1069,"sentiment":"neutral","sentiment_score":-0.096231147646904}],"sentiment":"positive","sentiment_score":0.4051103914777438,"num_words":6,"start":2003.8469,"end":2006.1069}]}}]},{"alternatives":[{"transcript":"Welcome to HP Financial. This is Jacob speaking. To Dana? Yeah. What was your full name? Sorry. Oh, okay. You have one booked today? Okay. No. That's alright, Bronwyn. No worries. Were you still able to do that call now? Yeah. Absolutely. No worries. I'll just bring up your profile really quick. Just bear with me. Sorry. Cool, Bronwyn. I'll just run you through a quick security. So I'll just get you to confirm your date of birth and current address for me, please. Yep. Beautiful. Thanks for that one, Bronwyn. I'll pop you on a quick hold. And if Dana's available, she'll be the next person you speak with. Okay. Thanks, Bronwyn. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model. Good afternoon. This is Dana. Hi. How are you? I'm very well. Thank you. How's your day been? That's not I do. No. No. That's okay. I work on your time, so it's absolutely not a problem at all. I'll try to keep it fairly brief there for you there, Bronwyn. Essentially, when you did your annual review the other week with my colleague, Michelle, she kinda went through your portfolio with you and noted that whilst you had had a fairly good return in both your super and your investments, and some of the investments might need to be reevaluated. Do you remember going through that call with her? Yeah. Beautiful. I yeah. So the super and the investment, I believe. I've had a really good review of your portfolio before the call to sorta have a look at what we can do. Now, look, having a look at both of those, you do have a good amount of money in there, so it is making a good return. You have still had in your super over the last twelve months about 11% return. And then in the investment account there, you have also had a 12% return. So it's not bad by any means, but there are one of the investments in there is sort of underperforming a little bit, and we wanted to maybe look at reviewing that to see if there's something better there because we don't want one investment to kinda hold back the rest of your portfolio, especially with the balance that you have. Okay? Having a look, Bennelong is your Australian equities component, and you have that investment in both your super and your under and your investment account. Sorry. So when what sort of happened with them as an investment is as of kind of last November, one of their underlying investments, Corporate Traveler, had some had been a bit dishonest to the market, wasn't actually reporting correctly to their investors, and that have been caught out in around that mid November, early December there. They had had a bit of a trading halt, and it meant that Bennelong had to go back and and, yeah, review that part of their investment. They had to analyze it and had to revalue it. And as of as a whole, it's essentially meant that Bennelong has had to be reevaluated as well. So within your portfolio, that one investment is down pretty significantly. It's down in your individual investment by about 17%, and in your super, it's down again by about 17%. So whilst your overall portfolio is still working, when, say, there's one aspect of it that might not be working, it is worth maybe just reevaluating that one investment, maybe swapping it out for something else and seeing what else we can maybe put in this place. Are you comfortable with us going back and doing that? Yeah? Beautiful. We wanna make sure your whole portfolio is working for you, not just part of it. So it might just be worth having a look at that now. Easy done. When we do sort of look at the the two different investment options you have, so with your investment account, you've got a really good balance in there. Is there any particular what's your sort of long term goal with regard to that investment account? What are you sort of building the funds for? Is it just to have as an emergency, or is it more just to fall back on in retirement? Or yep. Yeah. Yeah. That's okay. And you're happy leaving it in the investment account at the moment? Yep. Yep. Yeah. Well, the benefit to having it there is that you you can access those funds if you do need to, so it's not a bad thing to do. However, if you wanted to look at down the track maybe what to do with the funds, we can also look at other ways to utilize them. So, yeah, we just wanna make sure that it's all working for you the way it is at the moment. Well, depending on what you wanted to do, we can look at ways to put it into super. Obviously, in having an investment account there does mean you can access those funds at a short period of time if you do need to because anything in super is preserved until you retire. At this stage, the earliest accessing date is age 60. But there are benefits to putting more money into super as well, having it sort of in a tax effective environment. We could always look at, you know, what your income is. Is putting some more money into super gonna be more tax effective for you? Because I know your income you're self employed, aren't you? Yeah. Yeah. So there are definitely other ways if you wanted to look at doing that. But if you prefer to have the money kind of at hand in the investment account, then that's absolutely fine as well. It really just comes down to what your preference is and what you're sort of wanting to do and what your goal is with that money moving forward as well. Yeah. That's okay. Yeah. Yeah. Yeah. That's okay. Are you happy just leaving in the investment account for now, and maybe down the track we can look at what else to do? Or did you want me to maybe look at the funds and look at other ways to have it working for you? What's your sort of preference at the moment? Yep. Beautiful. That's okay. Yeah. Yeah. Correct. So under the current legislation there, if you choose to retire at the age of 60, then you're able to access your super wholly. If you continue working past the age of 60, there are restrictions around doing so. But at 65, regardless of whether you're working or not, you're able to access your super there. Yeah. Yep. What what age are you sort of hoping to maybe retire or stop working or if you ever? Yeah. No. That's okay. No. That's okay. What do you do? What does your business do? What do you do for work? Okay. Yep. Okay. Beautiful. Okay. Yeah. Oh, perfect. Not a problem at all. And with your super there, I can see you've got a really good balance that has been, you know, working quite nicely there for you. But are you making regular contributions into that fund? I'm sorry. I'm trying to log in to hub 24 to have a really good look at it. It's not loading. Yep. On more of a regular basis? Or yep. Yep. That's okay. The other thing I sort of wanted to find out was when you when you do get to retirement age, whether it be 60 or 65, do you know how much you might like to be able to draw out to live on when you do access Uber? No? There's no genuine average. There is kind of a guide that sort of shows what might be required there, but it is pretty broad depending on the circumstances. Realistically I mean, what you could aim for if you're comfortable living on your income you have at the moment is just kinda aim for the same income that you have knowing that this is what you live on now. Because having a look, you don't have a mortgage. You've paid your home off fully, haven't you? Yeah. Perfect. So you're currently living there debt free at the moment anyway. So you could just work to if you if you have a comfortable standard of living on your current income, you could always, you know, look to try and replace the same kind of income and have that as a goal if you're comfortable with that. Or Yeah. Yeah. Yes. Is that what you're sort of wanting? Absolutely. Yep. Yeah. Well, what I can do is I can go back and I can review the super and the investment account. I can go forward and run some projections to have a look at what we're expecting based on the advice. I can look at both the super and the investment account, look at, obviously, what the consequences are, whether it is worth taking any money out of the investment to put into super, and what that might do and look like for you. I'll, you know, factor the tax consequences there. I might come back and say, hey. We're better off to keep the money here in this investment account, or I might, you know, say we might be better off to put some money into super there. Do you have access to your myGov account at all? Yeah. On your myGov account, if I send you an email afterwards, would you be able to access kind of your catch up contributions? If you go in, I'll send you the steps on how to do that, but the government allows you to utilize catch up contributions over the last five years, which could provide a bit of a tax benefit to you as well. So if you're comfortable sending that through to me, I could utilize that to sort of do the advice up for you and look at what we could maybe do. Yep. Beautiful. Yeah. Yep. I'll send you an email after the call if you like, everyone. When it explains what to do, where to go to get them, I'll have the steps laid out for you nice and easy. Yeah? Yes. That's okay. And having a look, so are we sort of working on do you think you wanna sort of maybe start accessing super and hopefully start working around 60, or do you think you're more likely to work a bit longer just the the projection side of things? Sorry. You're probably nervous. Yeah. No. That's okay. Yeah. 65. No worries. Perfect. I'm working on your current income amount now, or do you think maybe a thousand dollars a week would just be fine? I've got yeah. I'm sorry. Just a thousand dollars a week or just the 60,000 you're paying yourself at the moment? Yep. Perfect. So it's about 52,000 per year. Beautiful. And just going through the other circumstances I have here. Now I've got it down, so sorry, that you're single. Is that right? Yep. Yep. Beautiful. And you've got one son not financially dependent on yourself? Oh, sorry. You've got two children. One son and one daughter in The UK. Sorry about that. Yep. Beautiful. So neither are financially dependent on you? Yep. Yeah. Yeah. Yeah. That's okay. Not a problem at all. Perfect. Okay. And I can see here you're debt free. You've got a bit of savings aside. So the funds in the savings account that you have there, is that just more of an emergency buffer for yourself? Did you wanna do anything with any of that money? Yep. That's okay. Yep. That's absolutely fine. All good. And with the investment account within Hub twenty four there, are you making any regular deposits into that account, or is it just money when you've kinda got it available? Okay. Yep. Yeah. Yeah. Perfect. No. Excellent. I'll have a really good look at what we can do there and have a look at the difference and sort of project it out. It does take a couple of weeks to kinda come up and have a look at what we can do and do all the research properly for you. But once I do have it ready to go, I'll let you know. And we can definitely go through and have a chat about what the advice is. We'll make the recommendations there for you. And then it's up to you whether you take on all of them, some of them, or none of them at all. Is that okay? Yep. Perfect. Now the other thing I do have here, I'm so sorry, is we have you looking at both of those portfolios there. It does look like you're in more of a growth portfolio. So, realistically, I just wanted to run through a bit of a risk profile analysis with you. Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels. Because as your balance gets higher in these sorts of accounts, smaller changes to your, to smaller fluctuations or smaller changes to the investments make a bigger difference on a higher balance. So it's something that as your balance grows, you tend to notice a little bit more. I've just got a bit of a quick risk profile question. It's the same as you would have done over the last couple of years. It's just to sort of reevaluate whether we need to maybe look at changing the portfolios for you as a whole and maybe reduce the risk level. Okay? Yep. Thanks. The first one here is asking, have you ever invested in direct shares in your own name before now? I know you do have an investment account with those managed funds and ETFs and things. But have you ever owned any direct shares outside of all of this? You have? Beautiful. Do you still have any of those at all? Oh, yes. Perfect. Sold them all. Beautiful. That's excellent. The next one here is asking what time horizon you have between now to when you're wanting to access your capital. So between the super and the investment account there, are you sort of hoping to access both of that or all those funds at around about age 65? Did you wanna try and access any of the investment money prior? You're what? Like yeah. Okay. So more just in emergencies. You don't have any large holidays or anything booked at the moment? Nope. That's okay. Not a problem at all. The next question here is asking about inflation and, essentially, look at the risk level that you're willing to take. So when you think about your super and the investment account that you have, when you think about the type of risk you're willing to take, do you consider yourself willing to take on more risk to get greater potential returns, or are you feeling a bit more because you are getting closer to those points where you can try to access super? Are you feeling a bit more risk averse and wanting to protect your capital a bit more knowing the returns are a bit lower, or do you feel kind of in the middle of both all of the of those? Yep. Yep. Perfect. Excellent. The next one here, if you looked at both of those accounts and you saw them fall by, say, 20% over the next sort of six months due to external market factors, how do you think you might be feeling? So if it might be a different way because you could can't really access that as of yet, you might feel a bit, you know, more risk averse towards your investment account. So just let me know exactly how you're feeling. But do you think you wanna put more money into the market? It could be a buying opportunity. Are you likely to call us and see what we suggest to do, or are you more likely to wanna sell and cement your losses? Weighted up. Yep. Yep. That's okay. Perfect. The next one yeah? Yep. Perfect. The next one here is asking what reasonable rate of return you're hoping to achieve on a yearly basis over the longer term out of both of those super and your investments. Are you wanting to try and obtain maybe the highest return you can on a yearly basis? Would you be comfortable just getting around six to 8% per year, four to 6% per year, or would you be comfortable with about two to 4% per year? Yep. That's okay. Perfect. There's nothing wrong with that at all. No. Absolutely. And the next one here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you not wanna borrow for investing at all? Nope. That's absolutely fine. And the last one here is asking, have you ever seen either your investment or super fall in value? If you did moving forward due to external market factors, how might this be making you feel? Are you feeling optimistic about the investment opportunities, a bit cautious, a bit concerned, or a bit anxious? Mhmm. Yes. Bit cautious, you said. Sorry. Yep. Yep. Yep. Perfect. No. Not a problem at all. Excellent. Now you have scored there as a growth investor. So from what I can see, we do have you in that growth sort of area at the moment. That generally sees about 80% of your super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. And then the other 20% is in defensive lower risk investment, things like cash, bonds, and fixed interest. That sort of investment portfolio does suit someone who has at least six years before they're wanting to access their super or even their investment accounts. So given that you do are thinking about age 65 at the moment, it does give you that kind of time horizon to be in this sort of environment. It's just important to know that that does see 80% invested in those high growth or high risk environment like shares and property. We do like commodities as well. So you can see higher fluctuations depending on that. Do you feel like you're comfortable remaining there, or did you wanna maybe start scaling it back a little bit? Yep. Yep. That's okay. And for both of those, the super and the investment? Yep. That's okay. All good. And, yeah, that's okay. Now there are other ways to invest as well. So when we look at the portfolios as a whole, there's different ways to invest within a portfolio. One of those consists of having active management, and that is where you invest in managed funds that have the active managers behind the scenes. They're buying and selling within those funds, and they're trying to outperform the market. It can be a little bit more costly. You can pay more on management fees for those sorts of investment managers. And that's what Van Alon essentially were in your portfolio for. They were a bit more of an active manager in there. They were meant to be, you know, trying to sort of outperform the market. Unfortunately, this year, they haven't done so. And, honestly, when you look at the way investments do work over a longer period of time, quite often, active managers don't always outperform the market. So, you know, it's always a little bit of a gamble having them in there. The other way of investing is more of a passive investing, and that's where you're buying managed funds or ETFs that are better to track the market. The investment managers are just trying to buy in line with the index they're tracking, and they're not trying to outperform the market. They're not taking on more risk in any way. Having more of a passive investment portfolio can be a little bit more cost. It can also show you that you're taking a little bit less risk in the market and can perform greater than active management over the longer term as well. And one of the big things we do is we have lots of different investments in there because we're diversifying not just over one manager or one style of investment, but over different investment classes, the asset classes, asset managers, also different countries as well, as well as having those high risk and low risk investments. Does that make sense? Yeah. Did you want me to look at more of a passive lower risk way of investing for you, or are you more comfortable having a little bit of active management in there at the moment? What would you like to sort of see? That's okay. Generally speaking, it can be. Yeah. Not always, but it can be depending on sort of what you do have in there. Yeah. There is another option depending on if you're open to looking at it or not. We do have our own separately managed account, which we have built over the past couple of months with utilizing BlackRock, which is one of Australia's largest investment firms. Utilizing the way you see your investments at the moment. So do you log in to hub 24 and have a look at those on a regular basis? Do you like that you can see all the investments noted there? Yeah. So if we were to look at maybe this SMS as such, when you log in, all you would see is essentially the SMA with your funds. You can obviously see and we can send you reports with the underlying, but you don't see all the individual investments there like you do currently. You would just see the overview SMA and how much you have invested essentially. The benefit of having that kind of product is that with all the underlyings, our investments are same as what you have here at the moment. We might have a lot more. We can have anywhere from, say, 10 to 20 to 50 different investment options there. But the main benefit of that sort of product is that it gives us a lot more control. So like with Bandalong at the moment, we haven't been able to swap that out just yet because we have to talk to you first and make sure you're comfortable with us updating the advice. But with the SMA products, because we have more control, we can actually, say, swap out investments without much quicker without having to make the phone call, without having to update the advice for you. So the investments which is more regular, they're more in line with what's happening in the market and how the investment committee see changes occurring. So it just comes down to what your preference is. Are you more comfortable looking at something like that, which maybe gives us more control around altering the investments for you, or would you like to see more of the investments there? The first one? Mhmm. Yep. Perfect. Well, I can definitely have a look at the SMA product there for you. I can keep it in that growth environment. So still keeping that 8080% in growth investments and 20% defensive so you still have that split. I'm just looking at blending those estimates together and do the research there to see if that's gonna provide a benefit to you. Okay? Yeah. Yeah. No. It still stays within Hub 24. It's just altering the underlying investments, essentially, and possibly the product, but nothing changes on your end in any way, shape, or form. Okay? Yeah. Fantastic. Well, I'll do the research against just swapping out one or two of the investments against the whole sort of SMA look to see what that looks like for you. We'll make the recommendation if it becomes appropriate. And if it shows, it's gonna put you in a better position as well working towards your goals there. With the the two accounts that you have, if you're comfortable, I can look at once I get the additional information, look at whether keeping the money separated is providing a benefit or whether it's better to put it together. I'll look at the cons the tax consequences of withdrawing the money from the from the investment because that's obviously a factor into this as well, making sure that it's not gonna charge you a ton of tax and looking at the benefits of doing so. And I can update the advice to reflect whether we do recommend putting this together or whether we do recommend keeping it separate and how and why does that is this sound okay? Yeah. You're you're more than welcome to tell me no at any point. We just wanna make sure we're evolving the advice and making sure things are working right for you at the same time. That yeah. Yeah. Absolutely. Perfect. Now the other thing I just wanted to sorta ask was, do you have any kind of sorry. Do you have a plan, like an estate planning or a will set up that kinda says what you're wanting to happen to your assets in the event of your passing? I'm sorry to take it another direction. Mhmm. Yep. Well, we just like to make sure we have all the information updated because we part of the part of our advice structure is making sure the estate planning side of thing is completely sorted. So if as long as you have a will and it is up to date and it does reflect your wishes, that's absolutely fine. But we do also like to make sure we are looking at your beneficiary nominations on your account as well. So with your investment account, you can't actually have a beneficiary nomination on this and making sure there is a will in place. So if in the event you would have passed away, essentially, the money from the investment can be directed into the will and then distributed as per your wishes. Otherwise, everything kinda has to go through probate, which can be a really difficult process on your family. I'm not sure if you've ever had to go through that before. But, essentially, probate, yeah, so probate, it can be quite difficult. Yeah. And it's up to the judge in the court system, which doesn't you know, it means that the money could lend where you don't want it to be. So it gives you a bit more certainty and control around your assets, which is really important. Yeah. That's okay. With your beneficiaries here now I do have it noted as a binding non lapsing nomination, and you've got down here that you wanted 50% to be paid to either of your to both of your children. So 50% each way. Is that right? Yeah. Yep. Perfect. With that, because they are technically nontax dependent, they are older, did you want me to maybe restructure the estate planning to make a recommendation so that they receive the benefit in the most tax effective way. Because one of the big things, whilst your child yeah. Because whilst your children are beneficiaries under legislation, they can be nominated. If in the event you were to pass away, your super and you haven't got any life insurances, but your super is essentially released. But on the taxable component, your children are required to pay tax if it's directed directly to them. Unfortunately, it's hard to get around it. But if we maybe look at offering the nomination, and as long as you have a will drawn up, then you can direct it through to your estate. In your will, you just need to have it directed that you how you want it to be be paid. You can have it done through, like, a trust through your will, and that way, the kids receive the funds. And it does sort of save them paying a little bit of tax. Does that make sense? Yeah. Beautiful. I can that's okay. I can absolutely, as part of the advice, also put the estate planning slides in there for you, and we can have a really good look at what to do there. Okay? Perfect. Excellent. Now I will go back, as I said, and do all the research there. I'll send you an email after the call just to try and get some other information there for you. Now I depending on how the research comes back, it may be worthwhile keeping the accounts completely separate. But I just wanted to obviously find out a bit more about what you're after, what your goal was with the funds. Do you have any sort of large holidays planned before the age of 65 that you think you might want some large sums of money for? Do you plan on going to The UK or anything like that? Yep. Yep. Yep. Yep. Yep. Yeah. No. No. That's okay. That's completely fine. I just wanted to make sure I take that sort of thing into account because, I mean, if there was a point where we take something out of out of the investment to put into the super, that does sort of stop you from accessing that certain amount of money. So I just wanted to sort of find out and gauge where there might be a need to keep some money back or if you wanted a bit of a buffer. Like, I know you have your own business and things like that, but did you wanna keep, like, a certain amount in an investment account to have as a buffer as a bit of a backup? Yep. Yeah. Yep. Yeah. That's okay. Not a problem at all. What I can do is I can go back and do a bit of research there for you. This is quite a large plan, a lot of research to conduct, so it will take a few weeks to put that together. But we can come back, and I can go through the recommendations. I can let you know what we've recommended, how and why, and then go through the advantages, disadvantages, the risks involved. And then you get to have a look at that and decide whether you wanna take all the advice, some of it or none of it at all. That's completely up to you. Okay. Excellent. Perfect. Is yeah. Absolutely. Yeah. Yeah. What I'll do is I'll send you through an email just kind of recapping what we've discussed just to kinda give you an idea of what we've gone through, make sure that there's nothing that's been missed, allow you to ask any additional questions that you might have, or if you can tell me, hey. No. That's actually wrong. I don't really wanna do that anymore. That's okay. And then I'll also just send through the details with the myGov there. If you can grab that information for me, that would be fabulous, and we can have a look at what to do and how this works for you and do all that research best. Okay? My pleasure, Bronwyn. Thank you so much for calling me back. No. You honestly have nothing to apologize for. I work on your time, and it's not a problem in any way, shape, or form. Okay? Yeah. Thank you so much. If there's anything you'd just wanted, I'll make sure I come back. But, yeah, once you get the email from me, hopefully, today or tomorrow, if you can just reply back it doesn't have to be urgent. Just whenever you're available because I know you are very busy, and I'll get cracking on that research there for you. Okay? Thank thank you so much. No worries at all. Have a good afternoon. Thanks. 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to HP Financial. This is Jacob speaking. To Dana? Yeah. What was your full name?\n\nSorry. Oh, okay. You have one booked today? Okay. No.\n\nThat's alright, Bronwyn. No worries. Were you still able to do that call now? Yeah. Absolutely.\n\nNo worries. I'll just bring up your profile really quick. Just bear with me. Sorry. Cool, Bronwyn.\n\nI'll just run you through a quick security. So I'll just get you to confirm your date of birth and current address for me, please. Yep. Beautiful. Thanks for that one, Bronwyn.\n\nI'll pop you on a quick hold. And if Dana's available, she'll be the next person you speak with. Okay. Thanks, Bronwyn. Welcome to Oakview Financial.\n\nAt Oakview Financial, we use an innovative model. Good afternoon. This is Dana. Hi. How are you?\n\nI'm very well. Thank you. How's your day been? That's not I do. No.\n\nNo. That's okay. I work on your time, so it's absolutely not a problem at all. I'll try to keep it fairly brief there for you there, Bronwyn. Essentially, when you did your annual review the other week with my colleague, Michelle, she kinda went through your portfolio with you and noted that whilst you had had a fairly good return in both your super and your investments, and some of the investments might need to be reevaluated.\n\nDo you remember going through that call with her? Yeah. Beautiful. I yeah. So the super and the investment, I believe.\n\nI've had a really good review of your portfolio before the call to sorta have a look at what we can do. Now, look, having a look at both of those, you do have a good amount of money in there, so it is making a good return. You have still had in your super over the last twelve months about 11% return. And then in the investment account there, you have also had a 12% return. So it's not bad by any means, but there are one of the investments in there is sort of underperforming a little bit, and we wanted to maybe look at reviewing that to see if there's something better there because we don't want one investment to kinda hold back the rest of your portfolio, especially with the balance that you have.\n\nOkay? Having a look, Bennelong is your Australian equities component, and you have that investment in both your super and your under and your investment account. Sorry. So when what sort of happened with them as an investment is as of kind of last November, one of their underlying investments, Corporate Traveler, had some had been a bit dishonest to the market, wasn't actually reporting correctly to their investors, and that have been caught out in around that mid November, early December there. They had had a bit of a trading halt, and it meant that Bennelong had to go back and and, yeah, review that part of their investment.\n\nThey had to analyze it and had to revalue it. And as of as a whole, it's essentially meant that Bennelong has had to be reevaluated as well. So within your portfolio, that one investment is down pretty significantly. It's down in your individual investment by about 17%, and in your super, it's down again by about 17%. So whilst your overall portfolio is still working, when, say, there's one aspect of it that might not be working, it is worth maybe just reevaluating that one investment, maybe swapping it out for something else and seeing what else we can maybe put in this place.\n\nAre you comfortable with us going back and doing that? Yeah? Beautiful. We wanna make sure your whole portfolio is working for you, not just part of it. So it might just be worth having a look at that now.\n\nEasy done. When we do sort of look at the the two different investment options you have, so with your investment account, you've got a really good balance in there. Is there any particular what's your sort of long term goal with regard to that investment account? What are you sort of building the funds for? Is it just to have as an emergency, or is it more just to fall back on in retirement?\n\nOr yep. Yeah. Yeah. That's okay. And you're happy leaving it in the investment account at the moment?\n\nYep. Yep. Yeah. Well, the benefit to having it there is that you you can access those funds if you do need to, so it's not a bad thing to do. However, if you wanted to look at down the track maybe what to do with the funds, we can also look at other ways to utilize them.\n\nSo, yeah, we just wanna make sure that it's all working for you the way it is at the moment. Well, depending on what you wanted to do, we can look at ways to put it into super. Obviously, in having an investment account there does mean you can access those funds at a short period of time if you do need to because anything in super is preserved until you retire. At this stage, the earliest accessing date is age 60. But there are benefits to putting more money into super as well, having it sort of in a tax effective environment.\n\nWe could always look at, you know, what your income is. Is putting some more money into super gonna be more tax effective for you? Because I know your income you're self employed, aren't you? Yeah. Yeah.\n\nSo there are definitely other ways if you wanted to look at doing that. But if you prefer to have the money kind of at hand in the investment account, then that's absolutely fine as well. It really just comes down to what your preference is and what you're sort of wanting to do and what your goal is with that money moving forward as well. Yeah. That's okay.\n\nYeah. Yeah. Yeah. That's okay. Are you happy just leaving in the investment account for now, and maybe down the track we can look at what else to do?\n\nOr did you want me to maybe look at the funds and look at other ways to have it working for you? What's your sort of preference at the moment? Yep. Beautiful. That's okay.\n\nYeah. Yeah. Correct. So under the current legislation there, if you choose to retire at the age of 60, then you're able to access your super wholly. If you continue working past the age of 60, there are restrictions around doing so.\n\nBut at 65, regardless of whether you're working or not, you're able to access your super there. Yeah. Yep. What what age are you sort of hoping to maybe retire or stop working or if you ever? Yeah.\n\nNo. That's okay. No. That's okay. What do you do?\n\nWhat does your business do? What do you do for work? Okay. Yep. Okay.\n\nBeautiful. Okay. Yeah. Oh, perfect. Not a problem at all.\n\nAnd with your super there, I can see you've got a really good balance that has been, you know, working quite nicely there for you. But are you making regular contributions into that fund? I'm sorry. I'm trying to log in to hub 24 to have a really good look at it. It's not loading.\n\nYep. On more of a regular basis? Or yep. Yep. That's okay.\n\nThe other thing I sort of wanted to find out was when you when you do get to retirement age, whether it be 60 or 65, do you know how much you might like to be able to draw out to live on when you do access Uber? No? There's no genuine average. There is kind of a guide that sort of shows what might be required there, but it is pretty broad depending on the circumstances. Realistically I mean, what you could aim for if you're comfortable living on your income you have at the moment is just kinda aim for the same income that you have knowing that this is what you live on now.\n\nBecause having a look, you don't have a mortgage. You've paid your home off fully, haven't you? Yeah. Perfect. So you're currently living there debt free at the moment anyway.\n\nSo you could just work to if you if you have a comfortable standard of living on your current income, you could always, you know, look to try and replace the same kind of income and have that as a goal if you're comfortable with that. Or Yeah. Yeah. Yes. Is that what you're sort of wanting?\n\nAbsolutely. Yep. Yeah. Well, what I can do is I can go back and I can review the super and the investment account. I can go forward and run some projections to have a look at what we're expecting based on the advice.\n\nI can look at both the super and the investment account, look at, obviously, what the consequences are, whether it is worth taking any money out of the investment to put into super, and what that might do and look like for you. I'll, you know, factor the tax consequences there. I might come back and say, hey. We're better off to keep the money here in this investment account, or I might, you know, say we might be better off to put some money into super there. Do you have access to your myGov account at all?\n\nYeah. On your myGov account, if I send you an email afterwards, would you be able to access kind of your catch up contributions? If you go in, I'll send you the steps on how to do that, but the government allows you to utilize catch up contributions over the last five years, which could provide a bit of a tax benefit to you as well. So if you're comfortable sending that through to me, I could utilize that to sort of do the advice up for you and look at what we could maybe do. Yep.\n\nBeautiful. Yeah. Yep. I'll send you an email after the call if you like, everyone. When it explains what to do, where to go to get them, I'll have the steps laid out for you nice and easy.\n\nYeah? Yes. That's okay. And having a look, so are we sort of working on do you think you wanna sort of maybe start accessing super and hopefully start working around 60, or do you think you're more likely to work a bit longer just the the projection side of things? Sorry.\n\nYou're probably nervous. Yeah. No. That's okay. Yeah.\n\n65. No worries. Perfect. I'm working on your current income amount now, or do you think maybe a thousand dollars a week would just be fine? I've got yeah.\n\nI'm sorry. Just a thousand dollars a week or just the 60,000 you're paying yourself at the moment? Yep. Perfect. So it's about 52,000 per year.\n\nBeautiful. And just going through the other circumstances I have here. Now I've got it down, so sorry, that you're single. Is that right? Yep.\n\nYep. Beautiful. And you've got one son not financially dependent on yourself? Oh, sorry. You've got two children.\n\nOne son and one daughter in The UK. Sorry about that. Yep. Beautiful. So neither are financially dependent on you?\n\nYep. Yeah. Yeah. Yeah. That's okay.\n\nNot a problem at all. Perfect. Okay. And I can see here you're debt free. You've got a bit of savings aside.\n\nSo the funds in the savings account that you have there, is that just more of an emergency buffer for yourself? Did you wanna do anything with any of that money? Yep. That's okay. Yep.\n\nThat's absolutely fine. All good. And with the investment account within Hub twenty four there, are you making any regular deposits into that account, or is it just money when you've kinda got it available? Okay. Yep.\n\nYeah. Yeah. Perfect. No. Excellent.\n\nI'll have a really good look at what we can do there and have a look at the difference and sort of project it out. It does take a couple of weeks to kinda come up and have a look at what we can do and do all the research properly for you. But once I do have it ready to go, I'll let you know. And we can definitely go through and have a chat about what the advice is. We'll make the recommendations there for you.\n\nAnd then it's up to you whether you take on all of them, some of them, or none of them at all. Is that okay? Yep. Perfect. Now the other thing I do have here, I'm so sorry, is we have you looking at both of those portfolios there.\n\nIt does look like you're in more of a growth portfolio. So, realistically, I just wanted to run through a bit of a risk profile analysis with you. Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels. Because as your balance gets higher in these sorts of accounts, smaller changes to your, to smaller fluctuations or smaller changes to the investments make a bigger difference on a higher balance. So it's something that as your balance grows, you tend to notice a little bit more.\n\nI've just got a bit of a quick risk profile question. It's the same as you would have done over the last couple of years. It's just to sort of reevaluate whether we need to maybe look at changing the portfolios for you as a whole and maybe reduce the risk level. Okay? Yep.\n\nThanks. The first one here is asking, have you ever invested in direct shares in your own name before now? I know you do have an investment account with those managed funds and ETFs and things. But have you ever owned any direct shares outside of all of this? You have?\n\nBeautiful. Do you still have any of those at all? Oh, yes. Perfect. Sold them all.\n\nBeautiful. That's excellent. The next one here is asking what time horizon you have between now to when you're wanting to access your capital. So between the super and the investment account there, are you sort of hoping to access both of that or all those funds at around about age 65? Did you wanna try and access any of the investment money prior?\n\nYou're what? Like yeah. Okay. So more just in emergencies. You don't have any large holidays or anything booked at the moment?\n\nNope. That's okay. Not a problem at all. The next question here is asking about inflation and, essentially, look at the risk level that you're willing to take. So when you think about your super and the investment account that you have, when you think about the type of risk you're willing to take, do you consider yourself willing to take on more risk to get greater potential returns, or are you feeling a bit more because you are getting closer to those points where you can try to access super?\n\nAre you feeling a bit more risk averse and wanting to protect your capital a bit more knowing the returns are a bit lower, or do you feel kind of in the middle of both all of the of those? Yep. Yep. Perfect. Excellent.\n\nThe next one here, if you looked at both of those accounts and you saw them fall by, say, 20% over the next sort of six months due to external market factors, how do you think you might be feeling? So if it might be a different way because you could can't really access that as of yet, you might feel a bit, you know, more risk averse towards your investment account. So just let me know exactly how you're feeling. But do you think you wanna put more money into the market? It could be a buying opportunity.\n\nAre you likely to call us and see what we suggest to do, or are you more likely to wanna sell and cement your losses? Weighted up. Yep. Yep. That's okay.\n\nPerfect. The next one yeah? Yep. Perfect. The next one here is asking what reasonable rate of return you're hoping to achieve on a yearly basis over the longer term out of both of those super and your investments.\n\nAre you wanting to try and obtain maybe the highest return you can on a yearly basis? Would you be comfortable just getting around six to 8% per year, four to 6% per year, or would you be comfortable with about two to 4% per year? Yep. That's okay. Perfect.\n\nThere's nothing wrong with that at all. No. Absolutely. And the next one here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you not wanna borrow for investing at all? Nope.\n\nThat's absolutely fine. And the last one here is asking, have you ever seen either your investment or super fall in value? If you did moving forward due to external market factors, how might this be making you feel? Are you feeling optimistic about the investment opportunities, a bit cautious, a bit concerned, or a bit anxious? Mhmm.\n\nYes. Bit cautious, you said. Sorry. Yep. Yep.\n\nYep. Perfect. No. Not a problem at all. Excellent.\n\nNow you have scored there as a growth investor. So from what I can see, we do have you in that growth sort of area at the moment. That generally sees about 80% of your super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. And then the other 20% is in defensive lower risk investment, things like cash, bonds, and fixed interest. That sort of investment portfolio does suit someone who has at least six years before they're wanting to access their super or even their investment accounts.\n\nSo given that you do are thinking about age 65 at the moment, it does give you that kind of time horizon to be in this sort of environment. It's just important to know that that does see 80% invested in those high growth or high risk environment like shares and property. We do like commodities as well. So you can see higher fluctuations depending on that. Do you feel like you're comfortable remaining there, or did you wanna maybe start scaling it back a little bit?\n\nYep. Yep. That's okay. And for both of those, the super and the investment? Yep.\n\nThat's okay. All good. And, yeah, that's okay. Now there are other ways to invest as well. So when we look at the portfolios as a whole, there's different ways to invest within a portfolio.\n\nOne of those consists of having active management, and that is where you invest in managed funds that have the active managers behind the scenes. They're buying and selling within those funds, and they're trying to outperform the market. It can be a little bit more costly. You can pay more on management fees for those sorts of investment managers. And that's what Van Alon essentially were in your portfolio for.\n\nThey were a bit more of an active manager in there. They were meant to be, you know, trying to sort of outperform the market. Unfortunately, this year, they haven't done so. And, honestly, when you look at the way investments do work over a longer period of time, quite often, active managers don't always outperform the market. So, you know, it's always a little bit of a gamble having them in there.\n\nThe other way of investing is more of a passive investing, and that's where you're buying managed funds or ETFs that are better to track the market. The investment managers are just trying to buy in line with the index they're tracking, and they're not trying to outperform the market. They're not taking on more risk in any way. Having more of a passive investment portfolio can be a little bit more cost. It can also show you that you're taking a little bit less risk in the market and can perform greater than active management over the longer term as well.\n\nAnd one of the big things we do is we have lots of different investments in there because we're diversifying not just over one manager or one style of investment, but over different investment classes, the asset classes, asset managers, also different countries as well, as well as having those high risk and low risk investments. Does that make sense? Yeah. Did you want me to look at more of a passive lower risk way of investing for you, or are you more comfortable having a little bit of active management in there at the moment? What would you like to sort of see?\n\nThat's okay. Generally speaking, it can be. Yeah. Not always, but it can be depending on sort of what you do have in there. Yeah.\n\nThere is another option depending on if you're open to looking at it or not. We do have our own separately managed account, which we have built over the past couple of months with utilizing BlackRock, which is one of Australia's largest investment firms. Utilizing the way you see your investments at the moment. So do you log in to hub 24 and have a look at those on a regular basis? Do you like that you can see all the investments noted there?\n\nYeah. So if we were to look at maybe this SMS as such, when you log in, all you would see is essentially the SMA with your funds. You can obviously see and we can send you reports with the underlying, but you don't see all the individual investments there like you do currently. You would just see the overview SMA and how much you have invested essentially. The benefit of having that kind of product is that with all the underlyings, our investments are same as what you have here at the moment.\n\nWe might have a lot more. We can have anywhere from, say, 10 to 20 to 50 different investment options there. But the main benefit of that sort of product is that it gives us a lot more control. So like with Bandalong at the moment, we haven't been able to swap that out just yet because we have to talk to you first and make sure you're comfortable with us updating the advice. But with the SMA products, because we have more control, we can actually, say, swap out investments without much quicker without having to make the phone call, without having to update the advice for you.\n\nSo the investments which is more regular, they're more in line with what's happening in the market and how the investment committee see changes occurring. So it just comes down to what your preference is. Are you more comfortable looking at something like that, which maybe gives us more control around altering the investments for you, or would you like to see more of the investments there? The first one? Mhmm.\n\nYep. Perfect. Well, I can definitely have a look at the SMA product there for you. I can keep it in that growth environment. So still keeping that 8080% in growth investments and 20% defensive so you still have that split.\n\nI'm just looking at blending those estimates together and do the research there to see if that's gonna provide a benefit to you. Okay? Yeah. Yeah. No.\n\nIt still stays within Hub 24. It's just altering the underlying investments, essentially, and possibly the product, but nothing changes on your end in any way, shape, or form. Okay? Yeah. Fantastic.\n\nWell, I'll do the research against just swapping out one or two of the investments against the whole sort of SMA look to see what that looks like for you. We'll make the recommendation if it becomes appropriate. And if it shows, it's gonna put you in a better position as well working towards your goals there. With the the two accounts that you have, if you're comfortable, I can look at once I get the additional information, look at whether keeping the money separated is providing a benefit or whether it's better to put it together. I'll look at the cons the tax consequences of withdrawing the money from the from the investment because that's obviously a factor into this as well, making sure that it's not gonna charge you a ton of tax and looking at the benefits of doing so.\n\nAnd I can update the advice to reflect whether we do recommend putting this together or whether we do recommend keeping it separate and how and why does that is this sound okay? Yeah. You're you're more than welcome to tell me no at any point. We just wanna make sure we're evolving the advice and making sure things are working right for you at the same time. That yeah.\n\nYeah. Absolutely. Perfect. Now the other thing I just wanted to sorta ask was, do you have any kind of sorry. Do you have a plan, like an estate planning or a will set up that kinda says what you're wanting to happen to your assets in the event of your passing?\n\nI'm sorry to take it another direction. Mhmm. Yep. Well, we just like to make sure we have all the information updated because we part of the part of our advice structure is making sure the estate planning side of thing is completely sorted. So if as long as you have a will and it is up to date and it does reflect your wishes, that's absolutely fine.\n\nBut we do also like to make sure we are looking at your beneficiary nominations on your account as well. So with your investment account, you can't actually have a beneficiary nomination on this and making sure there is a will in place. So if in the event you would have passed away, essentially, the money from the investment can be directed into the will and then distributed as per your wishes. Otherwise, everything kinda has to go through probate, which can be a really difficult process on your family. I'm not sure if you've ever had to go through that before.\n\nBut, essentially, probate, yeah, so probate, it can be quite difficult. Yeah. And it's up to the judge in the court system, which doesn't you know, it means that the money could lend where you don't want it to be. So it gives you a bit more certainty and control around your assets, which is really important. Yeah.\n\nThat's okay. With your beneficiaries here now I do have it noted as a binding non lapsing nomination, and you've got down here that you wanted 50% to be paid to either of your to both of your children. So 50% each way. Is that right? Yeah.\n\nYep. Perfect. With that, because they are technically nontax dependent, they are older, did you want me to maybe restructure the estate planning to make a recommendation so that they receive the benefit in the most tax effective way. Because one of the big things, whilst your child yeah. Because whilst your children are beneficiaries under legislation, they can be nominated.\n\nIf in the event you were to pass away, your super and you haven't got any life insurances, but your super is essentially released. But on the taxable component, your children are required to pay tax if it's directed directly to them. Unfortunately, it's hard to get around it. But if we maybe look at offering the nomination, and as long as you have a will drawn up, then you can direct it through to your estate. In your will, you just need to have it directed that you how you want it to be be paid.\n\nYou can have it done through, like, a trust through your will, and that way, the kids receive the funds. And it does sort of save them paying a little bit of tax. Does that make sense? Yeah. Beautiful.\n\nI can that's okay. I can absolutely, as part of the advice, also put the estate planning slides in there for you, and we can have a really good look at what to do there. Okay? Perfect. Excellent.\n\nNow I will go back, as I said, and do all the research there. I'll send you an email after the call just to try and get some other information there for you. Now I depending on how the research comes back, it may be worthwhile keeping the accounts completely separate. But I just wanted to obviously find out a bit more about what you're after, what your goal was with the funds. Do you have any sort of large holidays planned before the age of 65 that you think you might want some large sums of money for?\n\nDo you plan on going to The UK or anything like that? Yep. Yep. Yep. Yep.\n\nYep. Yeah. No. No. That's okay.\n\nThat's completely fine. I just wanted to make sure I take that sort of thing into account because, I mean, if there was a point where we take something out of out of the investment to put into the super, that does sort of stop you from accessing that certain amount of money. So I just wanted to sort of find out and gauge where there might be a need to keep some money back or if you wanted a bit of a buffer. Like, I know you have your own business and things like that, but did you wanna keep, like, a certain amount in an investment account to have as a buffer as a bit of a backup? Yep.\n\nYeah. Yep. Yeah. That's okay. Not a problem at all.\n\nWhat I can do is I can go back and do a bit of research there for you. This is quite a large plan, a lot of research to conduct, so it will take a few weeks to put that together. But we can come back, and I can go through the recommendations. I can let you know what we've recommended, how and why, and then go through the advantages, disadvantages, the risks involved. And then you get to have a look at that and decide whether you wanna take all the advice, some of it or none of it at all.\n\nThat's completely up to you. Okay. Excellent. Perfect. Is yeah.\n\nAbsolutely. Yeah. Yeah. What I'll do is I'll send you through an email just kind of recapping what we've discussed just to kinda give you an idea of what we've gone through, make sure that there's nothing that's been missed, allow you to ask any additional questions that you might have, or if you can tell me, hey. No.\n\nThat's actually wrong. I don't really wanna do that anymore. That's okay. And then I'll also just send through the details with the myGov there. If you can grab that information for me, that would be fabulous, and we can have a look at what to do and how this works for you and do all that research best.\n\nOkay? My pleasure, Bronwyn. Thank you so much for calling me back. No. You honestly have nothing to apologize for.\n\nI work on your time, and it's not a problem in any way, shape, or form. Okay? Yeah. Thank you so much. If there's anything you'd just wanted, I'll make sure I come back.\n\nBut, yeah, once you get the email from me, hopefully, today or tomorrow, if you can just reply back it doesn't have to be urgent. Just whenever you're available because I know you are very busy, and I'll get cracking on that research there for you. Okay? Thank thank you so much. No worries at all.\n\nHave a good afternoon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Welcome to HP Financial.","start":1.92,"end":3.28,"sentiment":"neutral","sentiment_score":0.19460288807749748},{"text":"This is Jacob speaking.","start":3.28,"end":4.5,"sentiment":"neutral","sentiment_score":0.14090384915471077},{"text":"To Dana?","start":10.16,"end":10.719999,"sentiment":"neutral","sentiment_score":0.010273274034261703},{"text":"Yeah.","start":10.719999,"end":11.04,"sentiment":"neutral","sentiment_score":0.003698001615703106},{"text":"What was your full name?","start":11.04,"end":12.08,"sentiment":"neutral","sentiment_score":-0.0027778966352343558}],"sentiment":"neutral","sentiment_score":0.08452387596480548,"num_words":16,"start":1.92,"end":12.08},{"sentences":[{"text":"Sorry.","start":12.08,"end":12.315,"sentiment":"neutral","sentiment_score":-0.0705447793006897},{"text":"Oh, okay.","start":20.154999,"end":20.634998,"sentiment":"neutral","sentiment_score":0.0003275657072663307},{"text":"You have one booked today?","start":20.634998,"end":22.015,"sentiment":"neutral","sentiment_score":0.006849983148276806},{"text":"Okay.","start":26.235,"end":26.735,"sentiment":"neutral","sentiment_score":-0.003211129456758499},{"text":"No.","start":27.56,"end":27.8,"sentiment":"neutral","sentiment_score":-0.03767843544483185}],"sentiment":"neutral","sentiment_score":-0.0076529297046363355,"num_words":10,"start":12.08,"end":27.8},{"sentences":[{"text":"That's alright, Bronwyn.","start":27.8,"end":28.859999,"sentiment":"neutral","sentiment_score":0.09116441756486893},{"text":"No worries.","start":28.92,"end":29.4,"sentiment":"neutral","sentiment_score":0.06823120079934597},{"text":"Were you still able to do that call now?","start":29.4,"end":31.42,"sentiment":"neutral","sentiment_score":0.05780441272589895},{"text":"Yeah.","start":34.52,"end":34.92,"sentiment":"neutral","sentiment_score":0.15941199660301208},{"text":"Absolutely.","start":34.92,"end":35.42,"sentiment":"neutral","sentiment_score":0.22005866467952728}],"sentiment":"neutral","sentiment_score":0.08185412688180804,"num_words":16,"start":27.8,"end":35.42},{"sentences":[{"text":"No worries.","start":35.48,"end":35.96,"sentiment":"neutral","sentiment_score":0.1914389729499817},{"text":"I'll just bring up your profile really quick.","start":35.96,"end":39.34,"sentiment":"neutral","sentiment_score":0.17730393633246422},{"text":"Just bear with me.","start":39.8,"end":40.76,"sentiment":"neutral","sentiment_score":0.08471016399562359},{"text":"Sorry.","start":40.76,"end":41.26,"sentiment":"neutral","sentiment_score":0.0786096453666687},{"text":"Cool, Bronwyn.","start":44.325,"end":45.225,"sentiment":"neutral","sentiment_score":0.24969736486673355}],"sentiment":"neutral","sentiment_score":0.1598914392730769,"num_words":17,"start":35.48,"end":45.225},{"sentences":[{"text":"I'll just run you through a quick security.","start":45.285,"end":46.965,"sentiment":"neutral","sentiment_score":0.21878751181066036},{"text":"So I'll just get you to confirm your date of birth and current address for me, please.","start":46.965,"end":51.145,"sentiment":"neutral","sentiment_score":0.1457468420267105},{"text":"Yep.","start":55.285,"end":55.59,"sentiment":"neutral","sentiment_score":0.06022867187857628},{"text":"Beautiful.","start":63.11,"end":63.59,"sentiment":"positive","sentiment_score":0.6961157321929932},{"text":"Thanks for that one, Bronwyn.","start":63.59,"end":64.89,"sentiment":"positive","sentiment_score":0.7332675218582153}],"sentiment":"neutral","sentiment_score":0.27033370069693774,"num_words":32,"start":45.285,"end":64.89},{"sentences":[{"text":"I'll pop you on a quick hold.","start":65.11,"end":66.47,"sentiment":"positive","sentiment_score":0.5185051602976662},{"text":"And if Dana's available, she'll be the next person you speak with.","start":66.47,"end":69.375,"sentiment":"neutral","sentiment_score":0.2851318046450615},{"text":"Okay.","start":70.895,"end":71.215,"sentiment":"neutral","sentiment_score":0.2621420621871948},{"text":"Thanks, Bronwyn.","start":71.215,"end":72.035,"sentiment":"positive","sentiment_score":0.4566540867090225},{"text":"Welcome to Oakview Financial.","start":78.815,"end":80.675,"sentiment":"neutral","sentiment_score":0.31309711188077927}],"sentiment":"positive","sentiment_score":0.364575248498183,"num_words":26,"start":65.11,"end":80.675},{"sentences":[{"text":"At Oakview Financial, we use an innovative model.","start":81.215,"end":84.595,"sentiment":"neutral","sentiment_score":0.30476587265729904},{"text":"Good afternoon.","start":85.829994,"end":86.46999,"sentiment":"neutral","sentiment_score":0.3029172867536545},{"text":"This is Dana.","start":86.46999,"end":87.28999,"sentiment":"neutral","sentiment_score":0.2097539802392324},{"text":"Hi.","start":90.39,"end":90.71,"sentiment":"neutral","sentiment_score":0.16295704245567322},{"text":"How are you?","start":90.71,"end":91.689995,"sentiment":"neutral","sentiment_score":0.19457357625166574}],"sentiment":"neutral","sentiment_score":0.25999419215847464,"num_words":17,"start":81.215,"end":91.689995},{"sentences":[{"text":"I'm very well.","start":93.27,"end":93.99,"sentiment":"positive","sentiment_score":0.4459785719712575},{"text":"Thank you.","start":93.99,"end":94.39,"sentiment":"positive","sentiment_score":0.4711574912071228},{"text":"How's your day been?","start":94.39,"end":95.689995,"sentiment":"neutral","sentiment_score":0.22234969586133957},{"text":"That's not I do.","start":99.195,"end":103.295,"sentiment":"neutral","sentiment_score":-0.20358313247561455},{"text":"No.","start":104.155,"end":104.395,"sentiment":"neutral","sentiment_score":-0.17853106558322906}],"sentiment":"neutral","sentiment_score":0.15548470616340637,"num_words":14,"start":93.27,"end":104.395},{"sentences":[{"text":"No.","start":104.395,"end":104.635,"sentiment":"neutral","sentiment_score":-0.12554632127285004},{"text":"That's okay.","start":104.635,"end":105.455,"sentiment":"neutral","sentiment_score":0.16195695847272873},{"text":"I work on your time, so it's absolutely not a problem at all.","start":105.515,"end":108.555,"sentiment":"positive","sentiment_score":0.3434809469259702},{"text":"I'll try to keep it fairly brief there for you there, Bronwyn.","start":108.555,"end":111.935,"sentiment":"neutral","sentiment_score":0.23090932493990599},{"text":"Essentially, when you did your annual review the other week with my colleague, Michelle, she kinda went through your portfolio with you and noted that whilst you had had a fairly good return in both your super and your investments, and some of the investments might need to be reevaluated.","start":112.94,"end":125.44,"sentiment":"neutral","sentiment_score":0.0184366404870525}],"sentiment":"neutral","sentiment_score":0.1071328696069451,"num_words":78,"start":104.395,"end":125.44},{"sentences":[{"text":"Do you remember going through that call with her?","start":125.9,"end":128.025,"sentiment":"neutral","sentiment_score":0.0030592199828889635},{"text":"Yeah.","start":129.06499,"end":129.56499,"sentiment":"neutral","sentiment_score":0.1254391372203827},{"text":"Beautiful.","start":129.94499,"end":130.44499,"sentiment":"positive","sentiment_score":0.41388559341430664},{"text":"I yeah.","start":133.78499,"end":134.745,"sentiment":"neutral","sentiment_score":0.04636233486235142},{"text":"So the super and the investment, I believe.","start":134.745,"end":137.165,"sentiment":"neutral","sentiment_score":0.08242885069921613}],"sentiment":"neutral","sentiment_score":0.06281015170472008,"num_words":21,"start":125.9,"end":137.165},{"sentences":[{"text":"I've had a really good review of your portfolio before the call to sorta have a look at what we can do.","start":137.625,"end":142.59,"sentiment":"neutral","sentiment_score":0.21298636665398424},{"text":"Now, look, having a look at both of those, you do have a good amount of money in there, so it is making a good return.","start":142.67,"end":147.87,"sentiment":"positive","sentiment_score":0.4875875315987147},{"text":"You have still had in your super over the last twelve months about 11% return.","start":147.87,"end":153.81,"sentiment":"positive","sentiment_score":0.3952852567036947},{"text":"And then in the investment account there, you have also had a 12% return.","start":153.95,"end":158.575,"sentiment":"neutral","sentiment_score":0.19653130642005376},{"text":"So it's not bad by any means, but there are one of the investments in there is sort of underperforming a little bit, and we wanted to maybe look at reviewing that to see if there's something better there because we don't want one investment to kinda hold back the rest of your portfolio, especially with the balance that you have.","start":158.575,"end":173.83,"sentiment":"neutral","sentiment_score":-0.23309489492265906}],"sentiment":"neutral","sentiment_score":0.08568771331962469,"num_words":138,"start":137.625,"end":173.83},{"sentences":[{"text":"Okay?","start":174.61,"end":175.11,"sentiment":"neutral","sentiment_score":-0.02365105226635933},{"text":"Having a look, Bennelong is your Australian equities component, and you have that investment in both your super and your under and your investment account.","start":175.89,"end":183.41,"sentiment":"neutral","sentiment_score":-0.005280988924205303},{"text":"Sorry.","start":183.41,"end":183.73,"sentiment":"neutral","sentiment_score":-0.11657148599624634},{"text":"So when what sort of happened with them as an investment is as of kind of last November, one of their underlying investments, Corporate Traveler, had some had been a bit dishonest to the market, wasn't actually reporting correctly to their investors, and that have been caught out in around that mid November, early December there.","start":183.73,"end":202.175,"sentiment":"neutral","sentiment_score":-0.2513990859900202},{"text":"They had had a bit of a trading halt, and it meant that Bennelong had to go back and and, yeah, review that part of their investment.","start":202.55,"end":209.26999,"sentiment":"neutral","sentiment_score":-0.2656306293275621}],"sentiment":"neutral","sentiment_score":-0.1956602097150277,"num_words":110,"start":174.61,"end":209.26999},{"sentences":[{"text":"They had to analyze it and had to revalue it.","start":209.26999,"end":212.06999,"sentiment":"neutral","sentiment_score":-0.17272025346755981},{"text":"And as of as a whole, it's essentially meant that Bennelong has had to be reevaluated as well.","start":212.06999,"end":217.59,"sentiment":"neutral","sentiment_score":-0.1963744560877482},{"text":"So within your portfolio, that one investment is down pretty significantly.","start":217.59,"end":223.065,"sentiment":"neutral","sentiment_score":-0.3212397037581964},{"text":"It's down in your individual investment by about 17%, and in your super, it's down again by about 17%.","start":224.24501,"end":232.405,"sentiment":"neutral","sentiment_score":-0.2719246949020185},{"text":"So whilst your overall portfolio is still working, when, say, there's one aspect of it that might not be working, it is worth maybe just reevaluating that one investment, maybe swapping it out for something else and seeing what else we can maybe put in this place.","start":232.405,"end":246.765,"sentiment":"neutral","sentiment_score":-0.12622998944146835}],"sentiment":"neutral","sentiment_score":-0.18947579230935802,"num_words":105,"start":209.26999,"end":246.765},{"sentences":[{"text":"Are you comfortable with us going back and doing that?","start":246.765,"end":249.425,"sentiment":"neutral","sentiment_score":0.016145974397659302},{"text":"Yeah?","start":251.405,"end":251.905,"sentiment":"neutral","sentiment_score":0.2913074195384979},{"text":"Beautiful.","start":252.205,"end":252.685,"sentiment":"positive","sentiment_score":0.7221848368644714},{"text":"We wanna make sure your whole portfolio is working for you, not just part of it.","start":252.685,"end":256.365,"sentiment":"positive","sentiment_score":0.48216598480939865},{"text":"So it might just be worth having a look at that now.","start":256.365,"end":258.765,"sentiment":"neutral","sentiment_score":0.2240025649468104}],"sentiment":"neutral","sentiment_score":0.28944096341729164,"num_words":40,"start":246.765,"end":258.765},{"sentences":[{"text":"Easy done.","start":258.765,"end":259.665,"sentiment":"positive","sentiment_score":0.4734137952327728},{"text":"When we do sort of look at the the two different investment options you have, so with your investment account, you've got a really good balance in there.","start":260.48,"end":267.86002,"sentiment":"neutral","sentiment_score":0.19425875959651812},{"text":"Is there any particular what's your sort of long term goal with regard to that investment account?","start":268.56,"end":272.80002,"sentiment":"neutral","sentiment_score":0.0928593611015993},{"text":"What are you sort of building the funds for?","start":272.80002,"end":274.48,"sentiment":"neutral","sentiment_score":0.008148059455884827},{"text":"Is it just to have as an emergency, or is it more just to fall back on in retirement?","start":274.48,"end":279.165,"sentiment":"neutral","sentiment_score":-0.03344307486948214}],"sentiment":"neutral","sentiment_score":0.09870128147304058,"num_words":75,"start":258.765,"end":279.165},{"sentences":[{"text":"Or yep.","start":279.385,"end":287.005,"sentiment":"neutral","sentiment_score":-0.04236400593072176},{"text":"Yeah.","start":293.0,"end":293.32,"sentiment":"neutral","sentiment_score":0.048384442925453186},{"text":"Yeah.","start":293.32,"end":293.56,"sentiment":"neutral","sentiment_score":0.07382963597774506},{"text":"That's okay.","start":293.56,"end":294.19998,"sentiment":"neutral","sentiment_score":0.1878243163228035},{"text":"And you're happy leaving it in the investment account at the moment?","start":294.19998,"end":297.1,"sentiment":"neutral","sentiment_score":0.2102599653104941}],"sentiment":"neutral","sentiment_score":0.16312523796740505,"num_words":18,"start":279.385,"end":297.1},{"sentences":[{"text":"Yep.","start":299.88,"end":300.36,"sentiment":"neutral","sentiment_score":0.15213893353939056},{"text":"Yep.","start":300.36,"end":300.86,"sentiment":"neutral","sentiment_score":0.23647384345531464},{"text":"Yeah.","start":302.03998,"end":302.53998,"sentiment":"neutral","sentiment_score":0.17772717773914337},{"text":"Well, the benefit to having it there is that you you can access those funds if you do need to, so it's not a bad thing to do.","start":302.835,"end":309.175,"sentiment":"neutral","sentiment_score":0.18339913950434752},{"text":"However, if you wanted to look at down the track maybe what to do with the funds, we can also look at other ways to utilize them.","start":309.315,"end":315.92,"sentiment":"neutral","sentiment_score":0.13639871886482946}],"sentiment":"neutral","sentiment_score":0.16179795293458576,"num_words":58,"start":299.88,"end":315.92},{"sentences":[{"text":"So, yeah, we just wanna make sure that it's all working for you the way it is at the moment.","start":315.92,"end":320.02002,"sentiment":"positive","sentiment_score":0.33948825523257253},{"text":"Well, depending on what you wanted to do, we can look at ways to put it into super.","start":323.36002,"end":327.76,"sentiment":"neutral","sentiment_score":0.12448402080270979},{"text":"Obviously, in having an investment account there does mean you can access those funds at a short period of time if you do need to because anything in super is preserved until you retire.","start":327.76,"end":336.965,"sentiment":"neutral","sentiment_score":0.17301240256604025},{"text":"At this stage, the earliest accessing date is age 60.","start":337.505,"end":341.045,"sentiment":"neutral","sentiment_score":0.1402554415166378},{"text":"But there are benefits to putting more money into super as well, having it sort of in a tax effective environment.","start":341.665,"end":346.83002,"sentiment":"positive","sentiment_score":0.48087203928402494}],"sentiment":"neutral","sentiment_score":0.2564443340434611,"num_words":103,"start":315.92,"end":346.83002},{"sentences":[{"text":"We could always look at, you know, what your income is.","start":346.83002,"end":349.41,"sentiment":"neutral","sentiment_score":0.2157243314114484},{"text":"Is putting some more money into super gonna be more tax effective for you?","start":349.87,"end":353.55002,"sentiment":"positive","sentiment_score":0.3418331380401339},{"text":"Because I know your income you're self employed, aren't you?","start":353.55002,"end":357.57,"sentiment":"neutral","sentiment_score":0.07838589027523994},{"text":"Yeah.","start":362.30502,"end":362.70502,"sentiment":"neutral","sentiment_score":0.1236795336008072},{"text":"Yeah.","start":362.70502,"end":363.20502,"sentiment":"neutral","sentiment_score":0.11435496062040328}],"sentiment":"neutral","sentiment_score":0.2210952695962545,"num_words":37,"start":346.83002,"end":363.20502},{"sentences":[{"text":"So there are definitely other ways if you wanted to look at doing that.","start":363.345,"end":366.385,"sentiment":"neutral","sentiment_score":0.11301650372999054},{"text":"But if you prefer to have the money kind of at hand in the investment account, then that's absolutely fine as well.","start":366.385,"end":372.08502,"sentiment":"neutral","sentiment_score":0.20312973823059688},{"text":"It really just comes down to what your preference is and what you're sort of wanting to do and what your goal is with that money moving forward as well.","start":372.22998,"end":379.53,"sentiment":"neutral","sentiment_score":0.3150534768899282},{"text":"Yeah.","start":379.59,"end":380.09,"sentiment":"neutral","sentiment_score":0.11975812911987305},{"text":"That's okay.","start":382.31,"end":383.21,"sentiment":"neutral","sentiment_score":0.207438662648201}],"sentiment":"neutral","sentiment_score":0.23242500078850897,"num_words":69,"start":363.345,"end":383.21},{"sentences":[{"text":"Yeah.","start":385.685,"end":386.185,"sentiment":"neutral","sentiment_score":0.06011547148227692},{"text":"Yeah.","start":394.325,"end":394.725,"sentiment":"neutral","sentiment_score":0.10236795246601103},{"text":"Yeah.","start":394.725,"end":395.045,"sentiment":"neutral","sentiment_score":0.14031341671943665},{"text":"That's okay.","start":395.045,"end":395.92502,"sentiment":"neutral","sentiment_score":0.23610825836658478},{"text":"Are you happy just leaving in the investment account for now, and maybe down the track we can look at what else to do?","start":395.92502,"end":401.22,"sentiment":"neutral","sentiment_score":0.17843285482376814}],"sentiment":"neutral","sentiment_score":0.17439316804039068,"num_words":29,"start":385.685,"end":401.22},{"sentences":[{"text":"Or did you want me to maybe look at the funds and look at other ways to have it working for you?","start":401.22,"end":405.94,"sentiment":"neutral","sentiment_score":0.15237986008551987},{"text":"What's your sort of preference at the moment?","start":405.94,"end":408.04,"sentiment":"neutral","sentiment_score":0.010641281493008137},{"text":"Yep.","start":413.7,"end":414.195,"sentiment":"neutral","sentiment_score":0.1704249233007431},{"text":"Beautiful.","start":416.515,"end":417.015,"sentiment":"positive","sentiment_score":0.5604918003082275},{"text":"That's okay.","start":417.555,"end":418.375,"sentiment":"neutral","sentiment_score":0.26356005668640137}],"sentiment":"neutral","sentiment_score":0.13810364737668457,"num_words":34,"start":401.22,"end":418.375},{"sentences":[{"text":"Yeah.","start":424.67502,"end":425.17502,"sentiment":"neutral","sentiment_score":0.1172930747270584},{"text":"Yeah.","start":425.23502,"end":425.555,"sentiment":"neutral","sentiment_score":0.16182339191436768},{"text":"Correct.","start":425.555,"end":426.035,"sentiment":"neutral","sentiment_score":0.21215352416038513},{"text":"So under the current legislation there, if you choose to retire at the age of 60, then you're able to access your super wholly.","start":426.035,"end":433.1,"sentiment":"neutral","sentiment_score":0.21412688183287779},{"text":"If you continue working past the age of 60, there are restrictions around doing so.","start":433.56,"end":437.48,"sentiment":"neutral","sentiment_score":-0.04021824710071087}],"sentiment":"neutral","sentiment_score":0.11969146305429083,"num_words":42,"start":424.67502,"end":437.48},{"sentences":[{"text":"But at 65, regardless of whether you're working or not, you're able to access your super there.","start":437.48,"end":441.945,"sentiment":"neutral","sentiment_score":-0.0042744484894415916},{"text":"Yeah.","start":445.385,"end":445.885,"sentiment":"neutral","sentiment_score":0.01786651462316513},{"text":"Yep.","start":445.945,"end":446.445,"sentiment":"neutral","sentiment_score":0.02419450879096985},{"text":"What what age are you sort of hoping to maybe retire or stop working or if you ever?","start":447.70502,"end":453.005,"sentiment":"neutral","sentiment_score":-0.03376289177685976},{"text":"Yeah.","start":459.24,"end":459.74,"sentiment":"neutral","sentiment_score":-0.024204891175031665}],"sentiment":"neutral","sentiment_score":-0.017435303791181037,"num_words":38,"start":437.48,"end":459.74},{"sentences":[{"text":"No.","start":459.8,"end":459.96,"sentiment":"neutral","sentiment_score":-0.05794138461351395},{"text":"That's okay.","start":459.96,"end":460.86,"sentiment":"neutral","sentiment_score":0.0013883414212614298},{"text":"No.","start":463.4,"end":463.63998,"sentiment":"neutral","sentiment_score":-0.00816381722688675},{"text":"That's okay.","start":463.63998,"end":464.28,"sentiment":"neutral","sentiment_score":0.030538318678736687},{"text":"What do you do?","start":464.28,"end":465.0,"sentiment":"neutral","sentiment_score":0.023657852318137884}],"sentiment":"neutral","sentiment_score":0.009237952763214707,"num_words":10,"start":459.8,"end":465.0},{"sentences":[{"text":"What does your business do?","start":465.0,"end":466.03998,"sentiment":"neutral","sentiment_score":0.025229019299149513},{"text":"What do you do for work?","start":466.03998,"end":467.265,"sentiment":"neutral","sentiment_score":0.01987316847468416},{"text":"Okay.","start":478.46503,"end":478.86502,"sentiment":"neutral","sentiment_score":0.08565352857112885},{"text":"Yep.","start":478.86502,"end":479.36502,"sentiment":"neutral","sentiment_score":0.07390256226062775},{"text":"Okay.","start":481.265,"end":481.765,"sentiment":"neutral","sentiment_score":0.07791897654533386}],"sentiment":"neutral","sentiment_score":0.03448994105149593,"num_words":14,"start":465.0,"end":481.765},{"sentences":[{"text":"Beautiful.","start":485.97,"end":486.47,"sentiment":"positive","sentiment_score":0.6413716077804565},{"text":"Okay.","start":487.89,"end":488.39,"sentiment":"neutral","sentiment_score":0.2986055016517639},{"text":"Yeah.","start":492.05002,"end":492.55002,"sentiment":"neutral","sentiment_score":0.2127498984336853},{"text":"Oh, perfect.","start":493.33002,"end":494.15,"sentiment":"positive","sentiment_score":0.4612964391708374},{"text":"Not a problem at all.","start":494.37,"end":495.585,"sentiment":"positive","sentiment_score":0.4323864459991455}],"sentiment":"positive","sentiment_score":0.42372521162033083,"num_words":10,"start":485.97,"end":495.585},{"sentences":[{"text":"And with your super there, I can see you've got a really good balance that has been, you know, working quite nicely there for you.","start":496.065,"end":501.345,"sentiment":"positive","sentiment_score":0.5051976573467255},{"text":"But are you making regular contributions into that fund?","start":501.345,"end":504.38498,"sentiment":"neutral","sentiment_score":0.07041283282968733},{"text":"I'm sorry.","start":504.38498,"end":504.705,"sentiment":"neutral","sentiment_score":-0.02066312450915575},{"text":"I'm trying to log in to hub 24 to have a really good look at it.","start":504.705,"end":507.345,"sentiment":"neutral","sentiment_score":0.005339836468920112},{"text":"It's not loading.","start":507.345,"end":508.32498,"sentiment":"neutral","sentiment_score":-0.11752977718909581}],"sentiment":"neutral","sentiment_score":0.23554870421913537,"num_words":55,"start":496.065,"end":508.32498},{"sentences":[{"text":"Yep.","start":509.79,"end":510.29,"sentiment":"neutral","sentiment_score":0.014140143990516664},{"text":"On more of a regular basis?","start":510.67,"end":512.37,"sentiment":"neutral","sentiment_score":-0.004916980862617493},{"text":"Or yep.","start":521.94,"end":523.095,"sentiment":"neutral","sentiment_score":0.01715116947889328},{"text":"Yep.","start":523.415,"end":523.57495,"sentiment":"neutral","sentiment_score":0.06067369878292084},{"text":"That's okay.","start":523.57495,"end":524.555,"sentiment":"neutral","sentiment_score":0.12149685993790627}],"sentiment":"neutral","sentiment_score":0.026884001369277637,"num_words":12,"start":509.79,"end":524.555},{"sentences":[{"text":"The other thing I sort of wanted to find out was when you when you do get to retirement age, whether it be 60 or 65, do you know how much you might like to be able to draw out to live on when you do access Uber?","start":525.415,"end":538.86,"sentiment":"neutral","sentiment_score":-0.00749256816925481},{"text":"No?","start":545.26,"end":545.76,"sentiment":"neutral","sentiment_score":-0.056945785880088806},{"text":"There's no genuine average.","start":550.77997,"end":552.62,"sentiment":"neutral","sentiment_score":-0.09931657835841179},{"text":"There is kind of a guide that sort of shows what might be required there, but it is pretty broad depending on the circumstances.","start":552.62,"end":560.575,"sentiment":"neutral","sentiment_score":-0.035010391070197024},{"text":"Realistically I mean, what you could aim for if you're comfortable living on your income you have at the moment is just kinda aim for the same income that you have knowing that this is what you live on now.","start":561.435,"end":571.31,"sentiment":"positive","sentiment_score":0.4085004605352879}],"sentiment":"neutral","sentiment_score":0.12552062960930616,"num_words":117,"start":525.415,"end":571.31},{"sentences":[{"text":"Because having a look, you don't have a mortgage.","start":572.01,"end":574.01,"sentiment":"neutral","sentiment_score":-0.09914491015175979},{"text":"You've paid your home off fully, haven't you?","start":574.01,"end":576.19,"sentiment":"neutral","sentiment_score":-0.15043084416538477},{"text":"Yeah.","start":577.77,"end":578.25,"sentiment":"neutral","sentiment_score":0.11465423554182053},{"text":"Perfect.","start":578.25,"end":578.73,"sentiment":"positive","sentiment_score":0.4846629500389099},{"text":"So you're currently living there debt free at the moment anyway.","start":578.73,"end":581.47003,"sentiment":"neutral","sentiment_score":0.13122547756541858}],"sentiment":"neutral","sentiment_score":-0.0017651168629527092,"num_words":30,"start":572.01,"end":581.47003},{"sentences":[{"text":"So you could just work to if you if you have a comfortable standard of living on your current income, you could always, you know, look to try and replace the same kind of income and have that as a goal if you're comfortable with that.","start":582.145,"end":593.985,"sentiment":"neutral","sentiment_score":0.26416013438416563},{"text":"Or Yeah.","start":593.985,"end":597.03,"sentiment":"neutral","sentiment_score":0.1224774420261383},{"text":"Yeah.","start":602.71,"end":603.03,"sentiment":"neutral","sentiment_score":0.12860316038131714},{"text":"Yes.","start":603.03,"end":603.43005,"sentiment":"neutral","sentiment_score":0.185926154255867},{"text":"Is that what you're sort of wanting?","start":603.43005,"end":605.27,"sentiment":"neutral","sentiment_score":0.25738405542714254}],"sentiment":"neutral","sentiment_score":0.2546059433044049,"num_words":57,"start":582.145,"end":605.27},{"sentences":[{"text":"Absolutely.","start":605.27,"end":605.77,"sentiment":"neutral","sentiment_score":0.3129516839981079},{"text":"Yep.","start":606.15,"end":606.65,"sentiment":"neutral","sentiment_score":0.16797856986522677},{"text":"Yeah.","start":607.91003,"end":608.41003,"sentiment":"positive","sentiment_score":0.3432839512825012},{"text":"Well, what I can do is I can go back and I can review the super and the investment account.","start":610.625,"end":616.245,"sentiment":"neutral","sentiment_score":0.10386179909110069},{"text":"I can go forward and run some projections to have a look at what we're expecting based on the advice.","start":616.46497,"end":621.845,"sentiment":"neutral","sentiment_score":0.11155935861170292}],"sentiment":"neutral","sentiment_score":0.11936365951632344,"num_words":43,"start":605.27,"end":621.845},{"sentences":[{"text":"I can look at both the super and the investment account, look at, obviously, what the consequences are, whether it is worth taking any money out of the investment to put into super, and what that might do and look like for you.","start":622.385,"end":632.74,"sentiment":"neutral","sentiment_score":0.012267344306374705},{"text":"I'll, you know, factor the tax consequences there.","start":633.36,"end":636.18,"sentiment":"neutral","sentiment_score":-0.0978332799859345},{"text":"I might come back and say, hey.","start":636.56,"end":637.76,"sentiment":"neutral","sentiment_score":-0.09720504230686597},{"text":"We're better off to keep the money here in this investment account, or I might, you know, say we might be better off to put some money into super there.","start":637.76,"end":644.585,"sentiment":"neutral","sentiment_score":-0.11740765807529291},{"text":"Do you have access to your myGov account at all?","start":644.585,"end":648.205,"sentiment":"neutral","sentiment_score":0.01295399535447359}],"sentiment":"neutral","sentiment_score":-0.04416628081199466,"num_words":98,"start":622.385,"end":648.205},{"sentences":[{"text":"Yeah.","start":650.7,"end":650.94,"sentiment":"neutral","sentiment_score":0.12141429632902144},{"text":"On your myGov account, if I send you an email afterwards, would you be able to access kind of your catch up contributions?","start":650.94,"end":656.32,"sentiment":"neutral","sentiment_score":0.10644417823008868},{"text":"If you go in, I'll send you the steps on how to do that, but the government allows you to utilize catch up contributions over the last five years, which could provide a bit of a tax benefit to you as well.","start":656.94,"end":667.505,"sentiment":"neutral","sentiment_score":0.149663603021985},{"text":"So if you're comfortable sending that through to me, I could utilize that to sort of do the advice up for you and look at what we could maybe do.","start":668.285,"end":676.865,"sentiment":"neutral","sentiment_score":0.1618905281027158},{"text":"Yep.","start":678.845,"end":679.345,"sentiment":"neutral","sentiment_score":0.29544520378112793}],"sentiment":"neutral","sentiment_score":0.1444088945299694,"num_words":97,"start":650.7,"end":679.345},{"sentences":[{"text":"Beautiful.","start":679.565,"end":680.065,"sentiment":"positive","sentiment_score":0.6993789076805115},{"text":"Yeah.","start":683.32,"end":683.82,"sentiment":"neutral","sentiment_score":0.2101105898618698},{"text":"Yep.","start":683.88,"end":684.2,"sentiment":"neutral","sentiment_score":0.24592503905296328},{"text":"I'll send you an email after the call if you like, everyone.","start":684.2,"end":686.60004,"sentiment":"neutral","sentiment_score":0.2827405532201131},{"text":"When it explains what to do, where to go to get them, I'll have the steps laid out for you nice and easy.","start":686.60004,"end":691.48004,"sentiment":"positive","sentiment_score":0.3474230286867722}],"sentiment":"neutral","sentiment_score":0.32997449565874903,"num_words":38,"start":679.565,"end":691.48004},{"sentences":[{"text":"Yeah?","start":691.48004,"end":691.98004,"sentiment":"neutral","sentiment_score":0.16668599843978882},{"text":"Yes.","start":693.56,"end":694.06,"sentiment":"neutral","sentiment_score":0.22921282052993777},{"text":"That's okay.","start":694.36005,"end":695.26,"sentiment":"neutral","sentiment_score":0.28921014070510864},{"text":"And having a look, so are we sort of working on do you think you wanna sort of maybe start accessing super and hopefully start working around 60, or do you think you're more likely to work a bit longer just the the projection side of things?","start":696.005,"end":707.625,"sentiment":"neutral","sentiment_score":0.0657278402767917},{"text":"Sorry.","start":711.46,"end":711.78,"sentiment":"neutral","sentiment_score":-0.0736548900604248}],"sentiment":"neutral","sentiment_score":0.07672832121786016,"num_words":52,"start":691.48004,"end":711.78},{"sentences":[{"text":"You're probably nervous.","start":711.78,"end":712.76,"sentiment":"neutral","sentiment_score":-0.187705526749293},{"text":"Yeah.","start":721.94,"end":722.44,"sentiment":"neutral","sentiment_score":-0.034037500619888306},{"text":"No.","start":722.5,"end":722.74,"sentiment":"neutral","sentiment_score":-0.05548039451241493},{"text":"That's okay.","start":722.74,"end":723.695,"sentiment":"neutral","sentiment_score":-0.029369594529271126},{"text":"Yeah.","start":726.235,"end":726.715,"sentiment":"neutral","sentiment_score":0.01977725699543953}],"sentiment":"neutral","sentiment_score":-0.08644955093041062,"num_words":8,"start":711.78,"end":726.715},{"sentences":[{"text":"65.","start":726.715,"end":727.615,"sentiment":"neutral","sentiment_score":0.03063398227095604},{"text":"No worries.","start":727.755,"end":728.495,"sentiment":"neutral","sentiment_score":0.08537302911281586},{"text":"Perfect.","start":729.195,"end":729.695,"sentiment":"neutral","sentiment_score":0.2237931489944458},{"text":"I'm working on your current income amount now, or do you think maybe a thousand dollars a week would just be fine?","start":730.395,"end":735.935,"sentiment":"neutral","sentiment_score":0.07902971688996661},{"text":"I've got yeah.","start":740.10004,"end":744.42004,"sentiment":"neutral","sentiment_score":-0.006431756851573785}],"sentiment":"neutral","sentiment_score":0.0739493686384682,"num_words":29,"start":726.715,"end":744.42004},{"sentences":[{"text":"I'm sorry.","start":744.42004,"end":745.22003,"sentiment":"neutral","sentiment_score":-0.03933066222816706},{"text":"Just a thousand dollars a week or just the 60,000 you're paying yourself at the moment?","start":745.22003,"end":750.055,"sentiment":"neutral","sentiment_score":-0.012899578316137195},{"text":"Yep.","start":755.95496,"end":756.45496,"sentiment":"neutral","sentiment_score":0.07538960129022598},{"text":"Perfect.","start":756.595,"end":757.095,"sentiment":"neutral","sentiment_score":0.15371492505073547},{"text":"So it's about 52,000 per year.","start":757.235,"end":759.57495,"sentiment":"neutral","sentiment_score":0.08413120359182358}],"sentiment":"neutral","sentiment_score":0.01726296809143745,"num_words":26,"start":744.42004,"end":759.57495},{"sentences":[{"text":"Beautiful.","start":759.71497,"end":760.21497,"sentiment":"neutral","sentiment_score":0.3241197466850281},{"text":"And just going through the other circumstances I have here.","start":760.94,"end":763.58,"sentiment":"neutral","sentiment_score":0.015640627965331076},{"text":"Now I've got it down, so sorry, that you're single.","start":763.58,"end":767.66,"sentiment":"neutral","sentiment_score":-0.07163343690335751},{"text":"Is that right?","start":767.66,"end":768.56,"sentiment":"neutral","sentiment_score":0.002766148497660955},{"text":"Yep.","start":770.38,"end":770.77997,"sentiment":"neutral","sentiment_score":0.044341012835502625}],"sentiment":"neutral","sentiment_score":-0.007326755374670028,"num_words":25,"start":759.71497,"end":770.77997},{"sentences":[{"text":"Yep.","start":770.77997,"end":771.18,"sentiment":"neutral","sentiment_score":0.08278326690196991},{"text":"Beautiful.","start":771.18,"end":771.66,"sentiment":"neutral","sentiment_score":0.2469777762889862},{"text":"And you've got one son not financially dependent on yourself?","start":771.66,"end":775.02496,"sentiment":"neutral","sentiment_score":0.022374136745929717},{"text":"Oh, sorry.","start":775.02496,"end":775.425,"sentiment":"neutral","sentiment_score":-0.027570447884500027},{"text":"You've got two children.","start":775.425,"end":776.38495,"sentiment":"neutral","sentiment_score":-0.01837469870224595}],"sentiment":"neutral","sentiment_score":0.023603484448459413,"num_words":18,"start":770.77997,"end":776.38495},{"sentences":[{"text":"One son and one daughter in The UK.","start":776.38495,"end":777.90497,"sentiment":"neutral","sentiment_score":-0.00452830083668232},{"text":"Sorry about that.","start":777.90497,"end":778.88495,"sentiment":"neutral","sentiment_score":-0.10013683140277863},{"text":"Yep.","start":780.305,"end":780.805,"sentiment":"positive","sentiment_score":0.4180370569229126},{"text":"Beautiful.","start":781.02496,"end":781.52496,"sentiment":"positive","sentiment_score":0.6915140748023987},{"text":"So neither are financially dependent on you?","start":781.58496,"end":783.845,"sentiment":"neutral","sentiment_score":0.06329479361219066}],"sentiment":"neutral","sentiment_score":0.06079888930544257,"num_words":20,"start":776.38495,"end":783.845},{"sentences":[{"text":"Yep.","start":788.065,"end":788.49,"sentiment":"neutral","sentiment_score":0.02895667962729931},{"text":"Yeah.","start":791.77,"end":792.27,"sentiment":"neutral","sentiment_score":0.10551530122756958},{"text":"Yeah.","start":794.41,"end":794.91,"sentiment":"neutral","sentiment_score":0.09120845794677734},{"text":"Yeah.","start":795.29,"end":795.69,"sentiment":"neutral","sentiment_score":0.13511550426483154},{"text":"That's okay.","start":795.69,"end":796.58997,"sentiment":"neutral","sentiment_score":0.23988038301467896}],"sentiment":"neutral","sentiment_score":0.14009278484930596,"num_words":6,"start":788.065,"end":796.58997},{"sentences":[{"text":"Not a problem at all.","start":796.97,"end":798.51,"sentiment":"positive","sentiment_score":0.39885844588279723},{"text":"Perfect.","start":799.52997,"end":800.02997,"sentiment":"positive","sentiment_score":0.5957196950912476},{"text":"Okay.","start":801.075,"end":801.575,"sentiment":"neutral","sentiment_score":0.2378886640071869},{"text":"And I can see here you're debt free.","start":801.875,"end":803.79504,"sentiment":"neutral","sentiment_score":0.16870076674968004},{"text":"You've got a bit of savings aside.","start":803.79504,"end":805.23505,"sentiment":"neutral","sentiment_score":0.1708437885556902}],"sentiment":"neutral","sentiment_score":0.2442460564727133,"num_words":22,"start":796.97,"end":805.23505},{"sentences":[{"text":"So the funds in the savings account that you have there, is that just more of an emergency buffer for yourself?","start":805.23505,"end":810.275,"sentiment":"neutral","sentiment_score":0.08580930052059037},{"text":"Did you wanna do anything with any of that money?","start":810.275,"end":812.695,"sentiment":"neutral","sentiment_score":0.020000502187758683},{"text":"Yep.","start":818.85,"end":819.35,"sentiment":"neutral","sentiment_score":0.06898240745067596},{"text":"That's okay.","start":820.05,"end":820.94995,"sentiment":"neutral","sentiment_score":0.12344637513160706},{"text":"Yep.","start":821.32996,"end":821.64996,"sentiment":"neutral","sentiment_score":0.1312345266342163}],"sentiment":"neutral","sentiment_score":0.0699745719188026,"num_words":35,"start":805.23505,"end":821.64996},{"sentences":[{"text":"That's absolutely fine.","start":821.64996,"end":823.02997,"sentiment":"positive","sentiment_score":0.34915517767270404},{"text":"All good.","start":825.58496,"end":826.225,"sentiment":"positive","sentiment_score":0.5213197320699692},{"text":"And with the investment account within Hub twenty four there, are you making any regular deposits into that account, or is it just money when you've kinda got it available?","start":826.225,"end":834.64496,"sentiment":"neutral","sentiment_score":0.030761819053441285},{"text":"Okay.","start":841.08,"end":841.58,"sentiment":"neutral","sentiment_score":-0.032506801187992096},{"text":"Yep.","start":842.36005,"end":842.86005,"sentiment":"neutral","sentiment_score":0.0056250146590173244}],"sentiment":"neutral","sentiment_score":0.08070480492519769,"num_words":37,"start":821.64996,"end":842.86005},{"sentences":[{"text":"Yeah.","start":847.0,"end":847.5,"sentiment":"neutral","sentiment_score":0.03761434182524681},{"text":"Yeah.","start":847.72003,"end":848.2,"sentiment":"neutral","sentiment_score":0.08062444627285004},{"text":"Perfect.","start":848.2,"end":848.7,"sentiment":"neutral","sentiment_score":0.17889618873596191},{"text":"No.","start":849.32,"end":849.56,"sentiment":"neutral","sentiment_score":0.07072180509567261},{"text":"Excellent.","start":849.56,"end":850.06,"sentiment":"neutral","sentiment_score":0.30882757902145386}],"sentiment":"neutral","sentiment_score":0.13533687219023705,"num_words":5,"start":847.0,"end":850.06},{"sentences":[{"text":"I'll have a really good look at what we can do there and have a look at the difference and sort of project it out.","start":851.0,"end":855.56,"sentiment":"neutral","sentiment_score":0.17744475573301316},{"text":"It does take a couple of weeks to kinda come up and have a look at what we can do and do all the research properly for you.","start":855.56,"end":861.125,"sentiment":"neutral","sentiment_score":0.13655706734529563},{"text":"But once I do have it ready to go, I'll let you know.","start":861.125,"end":863.625,"sentiment":"neutral","sentiment_score":0.1821699606684538},{"text":"And we can definitely go through and have a chat about what the advice is.","start":863.76495,"end":867.20496,"sentiment":"neutral","sentiment_score":0.23767972787221273},{"text":"We'll make the recommendations there for you.","start":867.20496,"end":869.46,"sentiment":"neutral","sentiment_score":0.21539423082556045}],"sentiment":"neutral","sentiment_score":0.17841911138120023,"num_words":88,"start":851.0,"end":869.46},{"sentences":[{"text":"And then it's up to you whether you take on all of them, some of them, or none of them at all.","start":869.86005,"end":873.78,"sentiment":"neutral","sentiment_score":0.07195357453416694},{"text":"Is that okay?","start":873.78,"end":874.68,"sentiment":"neutral","sentiment_score":0.09509557237227757},{"text":"Yep.","start":876.02,"end":876.52,"sentiment":"neutral","sentiment_score":0.14606525003910065},{"text":"Perfect.","start":876.66003,"end":877.16003,"sentiment":"neutral","sentiment_score":0.2953832745552063},{"text":"Now the other thing I do have here, I'm so sorry, is we have you looking at both of those portfolios there.","start":877.7,"end":883.86005,"sentiment":"neutral","sentiment_score":-0.0665760308673436}],"sentiment":"neutral","sentiment_score":0.01724573882410721,"num_words":49,"start":869.86005,"end":883.86005},{"sentences":[{"text":"It does look like you're in more of a growth portfolio.","start":883.86005,"end":886.375,"sentiment":"neutral","sentiment_score":-0.05153127082369544},{"text":"So, realistically, I just wanted to run through a bit of a risk profile analysis with you.","start":886.515,"end":891.15497,"sentiment":"neutral","sentiment_score":0.04163900729926193},{"text":"Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels.","start":891.15497,"end":897.71497,"sentiment":"neutral","sentiment_score":-0.0004685776881300486},{"text":"Because as your balance gets higher in these sorts of accounts, smaller changes to your, to smaller fluctuations or smaller changes to the investments make a bigger difference on a higher balance.","start":897.71497,"end":909.72003,"sentiment":"neutral","sentiment_score":-0.022830064641311765},{"text":"So it's something that as your balance grows, you tend to notice a little bit more.","start":909.72003,"end":913.82,"sentiment":"neutral","sentiment_score":-0.031633309146855026}],"sentiment":"neutral","sentiment_score":-0.010861361664080737,"num_words":102,"start":883.86005,"end":913.82},{"sentences":[{"text":"I've just got a bit of a quick risk profile question.","start":914.415,"end":916.65497,"sentiment":"neutral","sentiment_score":0.030696095052090557},{"text":"It's the same as you would have done over the last couple of years.","start":916.65497,"end":918.895,"sentiment":"neutral","sentiment_score":0.030981241459293023},{"text":"It's just to sort of reevaluate whether we need to maybe look at changing the portfolios for you as a whole and maybe reduce the risk level.","start":918.895,"end":925.455,"sentiment":"neutral","sentiment_score":0.031116628812419042},{"text":"Okay?","start":925.455,"end":925.955,"sentiment":"neutral","sentiment_score":0.0413828119635582},{"text":"Yep.","start":927.215,"end":927.715,"sentiment":"neutral","sentiment_score":0.09326829016208649}],"sentiment":"neutral","sentiment_score":0.03233693529748254,"num_words":54,"start":914.415,"end":927.715},{"sentences":[{"text":"Thanks.","start":928.255,"end":928.755,"sentiment":"neutral","sentiment_score":0.2701120972633362},{"text":"The first one here is asking, have you ever invested in direct shares in your own name before now?","start":929.54,"end":933.98,"sentiment":"neutral","sentiment_score":0.028992248061848313},{"text":"I know you do have an investment account with those managed funds and ETFs and things.","start":933.98,"end":938.19995,"sentiment":"neutral","sentiment_score":0.020093850907869637},{"text":"But have you ever owned any direct shares outside of all of this?","start":938.26,"end":942.04,"sentiment":"neutral","sentiment_score":0.0007773958003291717},{"text":"You have?","start":944.08496,"end":944.565,"sentiment":"neutral","sentiment_score":0.030113263055682182}],"sentiment":"neutral","sentiment_score":0.023780374440784548,"num_words":51,"start":928.255,"end":944.565},{"sentences":[{"text":"Beautiful.","start":944.565,"end":944.96497,"sentiment":"neutral","sentiment_score":0.26052188873291016},{"text":"Do you still have any of those at all?","start":944.96497,"end":947.14496,"sentiment":"neutral","sentiment_score":0.06956065777275297},{"text":"Oh, yes.","start":955.845,"end":956.40497,"sentiment":"neutral","sentiment_score":0.17264267802238464},{"text":"Perfect.","start":956.40497,"end":956.90497,"sentiment":"positive","sentiment_score":0.40790700912475586},{"text":"Sold them all.","start":957.05,"end":957.93,"sentiment":"neutral","sentiment_score":0.27179568509260815}],"sentiment":"neutral","sentiment_score":0.15344670182093978,"num_words":16,"start":944.565,"end":957.93},{"sentences":[{"text":"Beautiful.","start":957.93,"end":958.43,"sentiment":"positive","sentiment_score":0.5136122703552246},{"text":"That's excellent.","start":959.05,"end":960.35,"sentiment":"positive","sentiment_score":0.5522188544273376},{"text":"The next one here is asking what time horizon you have between now to when you're wanting to access your capital.","start":960.97,"end":965.93,"sentiment":"neutral","sentiment_score":0.03217541488508383},{"text":"So between the super and the investment account there, are you sort of hoping to access both of that or all those funds at around about age 65?","start":965.93,"end":973.905,"sentiment":"neutral","sentiment_score":0.018454164931816713},{"text":"Did you wanna try and access any of the investment money prior?","start":973.905,"end":977.205,"sentiment":"neutral","sentiment_score":-0.0035832303886612258}],"sentiment":"neutral","sentiment_score":0.04324143039411865,"num_words":64,"start":957.93,"end":977.205},{"sentences":[{"text":"You're what?","start":985.905,"end":986.385,"sentiment":"neutral","sentiment_score":-0.026189211755990982},{"text":"Like yeah.","start":986.385,"end":986.945,"sentiment":"neutral","sentiment_score":-0.011085849720984697},{"text":"Okay.","start":986.945,"end":987.42,"sentiment":"neutral","sentiment_score":-0.0006895745173096657},{"text":"So more just in emergencies.","start":987.5,"end":988.86,"sentiment":"neutral","sentiment_score":-0.02056184858083725},{"text":"You don't have any large holidays or anything booked at the moment?","start":988.86,"end":991.83997,"sentiment":"neutral","sentiment_score":-0.05987366226812204}],"sentiment":"neutral","sentiment_score":-0.040751494890586895,"num_words":22,"start":985.905,"end":991.83997},{"sentences":[{"text":"Nope.","start":994.38,"end":994.88,"sentiment":"neutral","sentiment_score":-0.12020477652549744},{"text":"That's okay.","start":995.1,"end":996.0,"sentiment":"neutral","sentiment_score":-0.016428975388407707},{"text":"Not a problem at all.","start":996.06,"end":997.44,"sentiment":"neutral","sentiment_score":0.08908854871988296},{"text":"The next question here is asking about inflation and, essentially, look at the risk level that you're willing to take.","start":997.66,"end":1002.54,"sentiment":"neutral","sentiment_score":-0.07168623320758342},{"text":"So when you think about your super and the investment account that you have, when you think about the type of risk you're willing to take, do you consider yourself willing to take on more risk to get greater potential returns, or are you feeling a bit more because you are getting closer to those points where you can try to access super?","start":1002.54,"end":1018.74005,"sentiment":"neutral","sentiment_score":-0.04554297016667468}],"sentiment":"neutral","sentiment_score":-0.04407199745445133,"num_words":91,"start":994.38,"end":1018.74005},{"sentences":[{"text":"Are you feeling a bit more risk averse and wanting to protect your capital a bit more knowing the returns are a bit lower, or do you feel kind of in the middle of both all of the of those?","start":1019.44,"end":1028.3401,"sentiment":"neutral","sentiment_score":-0.14535796418786048},{"text":"Yep.","start":1031.12,"end":1031.52,"sentiment":"neutral","sentiment_score":0.03571221977472305},{"text":"Yep.","start":1031.52,"end":1031.8401,"sentiment":"neutral","sentiment_score":0.10541535913944244},{"text":"Perfect.","start":1031.8401,"end":1032.3401,"sentiment":"positive","sentiment_score":0.4845413565635681},{"text":"Excellent.","start":1032.9601,"end":1033.4601,"sentiment":"positive","sentiment_score":0.4722635746002197}],"sentiment":"neutral","sentiment_score":-0.10719059221446514,"num_words":44,"start":1019.44,"end":1033.4601},{"sentences":[{"text":"The next one here, if you looked at both of those accounts and you saw them fall by, say, 20% over the next sort of six months due to external market factors, how do you think you might be feeling?","start":1034.1749,"end":1044.355,"sentiment":"neutral","sentiment_score":-0.04422318679280579},{"text":"So if it might be a different way because you could can't really access that as of yet, you might feel a bit, you know, more risk averse towards your investment account.","start":1044.575,"end":1052.05,"sentiment":"neutral","sentiment_score":-0.13850338105112314},{"text":"So just let me know exactly how you're feeling.","start":1052.05,"end":1054.05,"sentiment":"neutral","sentiment_score":-0.06697526284390026},{"text":"But do you think you wanna put more money into the market?","start":1054.05,"end":1056.77,"sentiment":"neutral","sentiment_score":-0.07453523545215528},{"text":"It could be a buying opportunity.","start":1056.77,"end":1058.23,"sentiment":"neutral","sentiment_score":-0.0023968160773317018}],"sentiment":"neutral","sentiment_score":-0.07790521972558716,"num_words":99,"start":1034.1749,"end":1058.23},{"sentences":[{"text":"Are you likely to call us and see what we suggest to do, or are you more likely to wanna sell and cement your losses?","start":1058.37,"end":1064.205,"sentiment":"neutral","sentiment_score":-0.09938430070877075},{"text":"Weighted up.","start":1070.845,"end":1071.745,"sentiment":"neutral","sentiment_score":-0.06938429549336433},{"text":"Yep.","start":1071.8049,"end":1072.3049,"sentiment":"neutral","sentiment_score":0.03059399127960205},{"text":"Yep.","start":1072.605,"end":1072.9249,"sentiment":"neutral","sentiment_score":0.06034860014915466},{"text":"That's okay.","start":1072.9249,"end":1073.725,"sentiment":"neutral","sentiment_score":0.1514391079545021}],"sentiment":"neutral","sentiment_score":-0.07192113875381408,"num_words":31,"start":1058.37,"end":1073.725},{"sentences":[{"text":"Perfect.","start":1073.725,"end":1074.225,"sentiment":"neutral","sentiment_score":0.22393156588077545},{"text":"The next one yeah?","start":1075.4049,"end":1077.105,"sentiment":"neutral","sentiment_score":0.04323316365480423},{"text":"Yep.","start":1077.885,"end":1078.205,"sentiment":"neutral","sentiment_score":0.060759998857975006},{"text":"Perfect.","start":1078.205,"end":1078.705,"sentiment":"neutral","sentiment_score":0.2586628794670105},{"text":"The next one here is asking what reasonable rate of return you're hoping to achieve on a yearly basis over the longer term out of both of those super and your investments.","start":1079.5099,"end":1087.7699,"sentiment":"neutral","sentiment_score":0.08489846077281982}],"sentiment":"neutral","sentiment_score":0.08802661137321056,"num_words":39,"start":1073.725,"end":1087.7699},{"sentences":[{"text":"Are you wanting to try and obtain maybe the highest return you can on a yearly basis?","start":1088.07,"end":1092.33,"sentiment":"neutral","sentiment_score":0.08644707040751681},{"text":"Would you be comfortable just getting around six to 8% per year, four to 6% per year, or would you be comfortable with about two to 4% per year?","start":1092.695,"end":1101.035,"sentiment":"neutral","sentiment_score":0.04652945080707813},{"text":"Yep.","start":1104.695,"end":1105.195,"sentiment":"neutral","sentiment_score":0.03171189874410629},{"text":"That's okay.","start":1105.255,"end":1105.995,"sentiment":"neutral","sentiment_score":0.24990012496709824},{"text":"Perfect.","start":1106.0549,"end":1106.5549,"sentiment":"positive","sentiment_score":0.535336434841156}],"sentiment":"neutral","sentiment_score":0.0777160570770502,"num_words":50,"start":1088.07,"end":1106.5549},{"sentences":[{"text":"There's nothing wrong with that at all.","start":1107.3501,"end":1109.2101,"sentiment":"positive","sentiment_score":0.379073760339192},{"text":"No.","start":1111.3501,"end":1111.8501,"sentiment":"neutral","sentiment_score":-0.10444094985723495},{"text":"Absolutely.","start":1112.39,"end":1112.89,"sentiment":"neutral","sentiment_score":0.03353065252304077},{"text":"And the next one here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you not wanna borrow for investing at all?","start":1114.63,"end":1123.655,"sentiment":"neutral","sentiment_score":-0.04717739756618227},{"text":"Nope.","start":1130.835,"end":1131.075,"sentiment":"neutral","sentiment_score":-0.041261110454797745}],"sentiment":"neutral","sentiment_score":0.019780799994866052,"num_words":45,"start":1107.3501,"end":1131.075},{"sentences":[{"text":"That's absolutely fine.","start":1131.075,"end":1132.455,"sentiment":"neutral","sentiment_score":0.1833647390206655},{"text":"And the last one here is asking, have you ever seen either your investment or super fall in value?","start":1132.595,"end":1137.51,"sentiment":"neutral","sentiment_score":-0.08174011434771512},{"text":"If you did moving forward due to external market factors, how might this be making you feel?","start":1137.5701,"end":1142.23,"sentiment":"neutral","sentiment_score":-0.06624400944394224},{"text":"Are you feeling optimistic about the investment opportunities, a bit cautious, a bit concerned, or a bit anxious?","start":1142.37,"end":1148.145,"sentiment":"neutral","sentiment_score":-0.11324641211993164},{"text":"Mhmm.","start":1160.145,"end":1160.385,"sentiment":"neutral","sentiment_score":-0.008305694907903671}],"sentiment":"neutral","sentiment_score":-0.07199753843376348,"num_words":58,"start":1131.075,"end":1160.385},{"sentences":[{"text":"Yes.","start":1160.385,"end":1160.885,"sentiment":"neutral","sentiment_score":0.012252351269125938},{"text":"Bit cautious, you said.","start":1162.14,"end":1163.18,"sentiment":"neutral","sentiment_score":-0.02871208917349577},{"text":"Sorry.","start":1163.18,"end":1163.5801,"sentiment":"neutral","sentiment_score":0.011432819068431854},{"text":"Yep.","start":1163.5801,"end":1163.98,"sentiment":"neutral","sentiment_score":0.04121997207403183},{"text":"Yep.","start":1163.98,"end":1164.48,"sentiment":"neutral","sentiment_score":0.06836653500795364}],"sentiment":"neutral","sentiment_score":0.0023029150906950235,"num_words":8,"start":1160.385,"end":1164.48},{"sentences":[{"text":"Yep.","start":1165.5,"end":1166.0,"sentiment":"neutral","sentiment_score":0.18268553912639615},{"text":"Perfect.","start":1166.2201,"end":1166.7201,"sentiment":"positive","sentiment_score":0.4700763821601868},{"text":"No.","start":1166.78,"end":1167.02,"sentiment":"positive","sentiment_score":0.3610612750053406},{"text":"Not a problem at all.","start":1167.02,"end":1168.3201,"sentiment":"positive","sentiment_score":0.429334419965744},{"text":"Excellent.","start":1168.62,"end":1169.12,"sentiment":"positive","sentiment_score":0.6769492030143738}],"sentiment":"positive","sentiment_score":0.42638272212611306,"num_words":9,"start":1165.5,"end":1169.12},{"sentences":[{"text":"Now you have scored there as a growth investor.","start":1169.18,"end":1171.66,"sentiment":"positive","sentiment_score":0.40623466504944694},{"text":"So from what I can see, we do have you in that growth sort of area at the moment.","start":1171.66,"end":1175.5,"sentiment":"neutral","sentiment_score":0.18973839910406815},{"text":"That generally sees about 80% of your super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities.","start":1175.5,"end":1184.0549,"sentiment":"neutral","sentiment_score":0.13496098667383194},{"text":"And then the other 20% is in defensive lower risk investment, things like cash, bonds, and fixed interest.","start":1184.515,"end":1190.695,"sentiment":"neutral","sentiment_score":0.10229016343752544},{"text":"That sort of investment portfolio does suit someone who has at least six years before they're wanting to access their super or even their investment accounts.","start":1191.8601,"end":1199.4601,"sentiment":"neutral","sentiment_score":0.09698873672347802}],"sentiment":"neutral","sentiment_score":0.1548243265133351,"num_words":96,"start":1169.18,"end":1199.4601},{"sentences":[{"text":"So given that you do are thinking about age 65 at the moment, it does give you that kind of time horizon to be in this sort of environment.","start":1199.4601,"end":1206.3601,"sentiment":"neutral","sentiment_score":0.047483907562905346},{"text":"It's just important to know that that does see 80% invested in those high growth or high risk environment like shares and property.","start":1206.805,"end":1214.265,"sentiment":"neutral","sentiment_score":0.05610528717870298},{"text":"We do like commodities as well.","start":1214.645,"end":1216.345,"sentiment":"neutral","sentiment_score":0.06716820225119591},{"text":"So you can see higher fluctuations depending on that.","start":1216.965,"end":1219.89,"sentiment":"neutral","sentiment_score":0.029357698642545275},{"text":"Do you feel like you're comfortable remaining there, or did you wanna maybe start scaling it back a little bit?","start":1219.89,"end":1224.9501,"sentiment":"neutral","sentiment_score":-0.016119802417233587}],"sentiment":"neutral","sentiment_score":0.034623992843446375,"num_words":87,"start":1199.4601,"end":1224.9501},{"sentences":[{"text":"Yep.","start":1230.29,"end":1230.6901,"sentiment":"neutral","sentiment_score":0.098524272441864},{"text":"Yep.","start":1230.6901,"end":1231.0901,"sentiment":"neutral","sentiment_score":0.12638500332832336},{"text":"That's okay.","start":1231.0901,"end":1231.81,"sentiment":"neutral","sentiment_score":0.19662655889987946},{"text":"And for both of those, the super and the investment?","start":1231.81,"end":1234.39,"sentiment":"neutral","sentiment_score":0.11832619234919547},{"text":"Yep.","start":1237.525,"end":1238.005,"sentiment":"neutral","sentiment_score":0.03146757557988167}],"sentiment":"neutral","sentiment_score":0.12219279284278552,"num_words":15,"start":1230.29,"end":1238.005},{"sentences":[{"text":"That's okay.","start":1238.005,"end":1238.825,"sentiment":"positive","sentiment_score":0.38463808596134186},{"text":"All good.","start":1239.845,"end":1240.485,"sentiment":"positive","sentiment_score":0.6161357164382935},{"text":"And, yeah, that's okay.","start":1240.485,"end":1242.4249,"sentiment":"neutral","sentiment_score":0.31763704121112823},{"text":"Now there are other ways to invest as well.","start":1242.725,"end":1245.125,"sentiment":"neutral","sentiment_score":0.11111743913756476},{"text":"So when we look at the portfolios as a whole, there's different ways to invest within a portfolio.","start":1245.125,"end":1250.27,"sentiment":"neutral","sentiment_score":0.07550526451733378}],"sentiment":"neutral","sentiment_score":0.16089278523411069,"num_words":35,"start":1238.005,"end":1250.27},{"sentences":[{"text":"One of those consists of having active management, and that is where you invest in managed funds that have the active managers behind the scenes.","start":1250.33,"end":1257.37,"sentiment":"neutral","sentiment_score":0.09397296875715255},{"text":"They're buying and selling within those funds, and they're trying to outperform the market.","start":1257.37,"end":1260.945,"sentiment":"neutral","sentiment_score":0.12212891850088324},{"text":"It can be a little bit more costly.","start":1261.2649,"end":1262.865,"sentiment":"neutral","sentiment_score":-0.08048420259729028},{"text":"You can pay more on management fees for those sorts of investment managers.","start":1262.865,"end":1266.725,"sentiment":"neutral","sentiment_score":-0.1857853325513693},{"text":"And that's what Van Alon essentially were in your portfolio for.","start":1266.945,"end":1269.745,"sentiment":"neutral","sentiment_score":-0.033745269206437195}],"sentiment":"neutral","sentiment_score":0.008857016517242916,"num_words":71,"start":1250.33,"end":1269.745},{"sentences":[{"text":"They were a bit more of an active manager in there.","start":1269.745,"end":1272.3849,"sentiment":"neutral","sentiment_score":-0.019488343460993332},{"text":"They were meant to be, you know, trying to sort of outperform the market.","start":1272.3849,"end":1275.52,"sentiment":"neutral","sentiment_score":-0.033868584249700816},{"text":"Unfortunately, this year, they haven't done so.","start":1275.52,"end":1277.7799,"sentiment":"negative","sentiment_score":-0.42996386119297575},{"text":"And, honestly, when you look at the way investments do work over a longer period of time, quite often, active managers don't always outperform the market.","start":1278.32,"end":1286.08,"sentiment":"neutral","sentiment_score":-0.09225838172894257},{"text":"So, you know, it's always a little bit of a gamble having them in there.","start":1286.08,"end":1289.925,"sentiment":"neutral","sentiment_score":-0.21325752933820089}],"sentiment":"neutral","sentiment_score":-0.12734054590333,"num_words":73,"start":1269.745,"end":1289.925},{"sentences":[{"text":"The other way of investing is more of a passive investing, and that's where you're buying managed funds or ETFs that are better to track the market.","start":1290.305,"end":1298.005,"sentiment":"neutral","sentiment_score":0.057715622777188266},{"text":"The investment managers are just trying to buy in line with the index they're tracking, and they're not trying to outperform the market.","start":1298.385,"end":1305.85,"sentiment":"neutral","sentiment_score":0.009647777061099592},{"text":"They're not taking on more risk in any way.","start":1305.85,"end":1308.11,"sentiment":"neutral","sentiment_score":-0.14739999423424402},{"text":"Having more of a passive investment portfolio can be a little bit more cost.","start":1308.25,"end":1312.6499,"sentiment":"neutral","sentiment_score":0.10621028606380735},{"text":"It can also show you that you're taking a little bit less risk in the market and can perform greater than active management over the longer term as well.","start":1312.6499,"end":1319.995,"sentiment":"neutral","sentiment_score":0.19946662439354534}],"sentiment":"neutral","sentiment_score":0.07573624364301271,"num_words":102,"start":1290.305,"end":1319.995},{"sentences":[{"text":"And one of the big things we do is we have lots of different investments in there because we're diversifying not just over one manager or one style of investment, but over different investment classes, the asset classes, asset managers, also different countries as well, as well as having those high risk and low risk investments.","start":1320.0549,"end":1337.8,"sentiment":"neutral","sentiment_score":0.19386159708457334},{"text":"Does that make sense?","start":1337.8,"end":1338.86,"sentiment":"neutral","sentiment_score":0.229581318795681},{"text":"Yeah.","start":1340.8401,"end":1341.24,"sentiment":"neutral","sentiment_score":0.02084355428814888},{"text":"Did you want me to look at more of a passive lower risk way of investing for you, or are you more comfortable having a little bit of active management in there at the moment?","start":1341.24,"end":1348.575,"sentiment":"neutral","sentiment_score":0.09826196091515678},{"text":"What would you like to sort of see?","start":1348.575,"end":1350.1951,"sentiment":"neutral","sentiment_score":0.02668215474113822}],"sentiment":"neutral","sentiment_score":0.1485388859246786,"num_words":104,"start":1320.0549,"end":1350.1951},{"sentences":[{"text":"That's okay.","start":1356.015,"end":1356.835,"sentiment":"neutral","sentiment_score":-0.1878739781677723},{"text":"Generally speaking, it can be.","start":1363.9501,"end":1365.47,"sentiment":"neutral","sentiment_score":0.07084220796823501},{"text":"Yeah.","start":1365.47,"end":1365.87,"sentiment":"neutral","sentiment_score":0.01971016451716423},{"text":"Not always, but it can be depending on sort of what you do have in there.","start":1365.87,"end":1369.65,"sentiment":"neutral","sentiment_score":-0.05554818827658892},{"text":"Yeah.","start":1371.5549,"end":1371.875,"sentiment":"neutral","sentiment_score":0.1419772058725357}],"sentiment":"neutral","sentiment_score":-0.02994482234120369,"num_words":25,"start":1356.015,"end":1371.875},{"sentences":[{"text":"There is another option depending on if you're open to looking at it or not.","start":1371.875,"end":1376.9349,"sentiment":"neutral","sentiment_score":0.1239299163222313},{"text":"We do have our own separately managed account, which we have built over the past couple of months with utilizing BlackRock, which is one of Australia's largest investment firms.","start":1377.5549,"end":1387.72,"sentiment":"neutral","sentiment_score":0.23801001700861701},{"text":"Utilizing the way you see your investments at the moment.","start":1388.58,"end":1391.22,"sentiment":"neutral","sentiment_score":0.20003530532121658},{"text":"So do you log in to hub 24 and have a look at those on a regular basis?","start":1391.22,"end":1394.74,"sentiment":"neutral","sentiment_score":0.14780537494354778},{"text":"Do you like that you can see all the investments noted there?","start":1394.74,"end":1397.8799,"sentiment":"neutral","sentiment_score":0.058286991280814014}],"sentiment":"neutral","sentiment_score":0.16811348732915662,"num_words":84,"start":1371.875,"end":1397.8799},{"sentences":[{"text":"Yeah.","start":1401.5549,"end":1401.7949,"sentiment":"neutral","sentiment_score":0.11736446619033812},{"text":"So if we were to look at maybe this SMS as such, when you log in, all you would see is essentially the SMA with your funds.","start":1401.7949,"end":1409.1749,"sentiment":"neutral","sentiment_score":0.07408200728672522},{"text":"You can obviously see and we can send you reports with the underlying, but you don't see all the individual investments there like you do currently.","start":1409.235,"end":1416.215,"sentiment":"neutral","sentiment_score":0.06425620255490336},{"text":"You would just see the overview SMA and how much you have invested essentially.","start":1416.62,"end":1421.52,"sentiment":"neutral","sentiment_score":0.07616478337773255},{"text":"The benefit of having that kind of product is that with all the underlyings, our investments are same as what you have here at the moment.","start":1422.54,"end":1430.035,"sentiment":"neutral","sentiment_score":0.2488840359907884}],"sentiment":"neutral","sentiment_score":0.12048438119583149,"num_words":94,"start":1401.5549,"end":1430.035},{"sentences":[{"text":"We might have a lot more.","start":1430.035,"end":1431.155,"sentiment":"neutral","sentiment_score":0.14123313501477242},{"text":"We can have anywhere from, say, 10 to 20 to 50 different investment options there.","start":1431.155,"end":1435.255,"sentiment":"neutral","sentiment_score":0.16333973507086436},{"text":"But the main benefit of that sort of product is that it gives us a lot more control.","start":1435.3151,"end":1439.555,"sentiment":"positive","sentiment_score":0.34057116756836575},{"text":"So like with Bandalong at the moment, we haven't been able to swap that out just yet because we have to talk to you first and make sure you're comfortable with us updating the advice.","start":1439.555,"end":1448.2001,"sentiment":"neutral","sentiment_score":0.09153570724385125},{"text":"But with the SMA products, because we have more control, we can actually, say, swap out investments without much quicker without having to make the phone call, without having to update the advice for you.","start":1448.74,"end":1460.385,"sentiment":"neutral","sentiment_score":0.20232769463743483}],"sentiment":"neutral","sentiment_score":0.18085316438740545,"num_words":109,"start":1430.035,"end":1460.385},{"sentences":[{"text":"So the investments which is more regular, they're more in line with what's happening in the market and how the investment committee see changes occurring.","start":1460.385,"end":1468.005,"sentiment":"neutral","sentiment_score":0.16449325382709504},{"text":"So it just comes down to what your preference is.","start":1468.225,"end":1470.54,"sentiment":"neutral","sentiment_score":0.12085767760872841},{"text":"Are you more comfortable looking at something like that, which maybe gives us more control around altering the investments for you, or would you like to see more of the investments there?","start":1470.54,"end":1480.4801,"sentiment":"neutral","sentiment_score":0.05351260179304518},{"text":"The first one?","start":1484.54,"end":1485.225,"sentiment":"neutral","sentiment_score":0.0746849849820137},{"text":"Mhmm.","start":1490.985,"end":1491.485,"sentiment":"neutral","sentiment_score":0.04560817778110504}],"sentiment":"neutral","sentiment_score":0.10285879594182044,"num_words":71,"start":1460.385,"end":1491.485},{"sentences":[{"text":"Yep.","start":1493.705,"end":1494.105,"sentiment":"positive","sentiment_score":0.3746742010116577},{"text":"Perfect.","start":1494.105,"end":1494.505,"sentiment":"positive","sentiment_score":0.662487804889679},{"text":"Well, I can definitely have a look at the SMA product there for you.","start":1494.505,"end":1497.785,"sentiment":"positive","sentiment_score":0.6019368235554013},{"text":"I can keep it in that growth environment.","start":1497.785,"end":1499.645,"sentiment":"positive","sentiment_score":0.4591418169438839},{"text":"So still keeping that 8080% in growth investments and 20% defensive so you still have that split.","start":1499.785,"end":1506.4199,"sentiment":"positive","sentiment_score":0.3969317429205951}],"sentiment":"positive","sentiment_score":0.48500613904580836,"num_words":41,"start":1493.705,"end":1506.4199},{"sentences":[{"text":"I'm just looking at blending those estimates together and do the research there to see if that's gonna provide a benefit to you.","start":1506.48,"end":1512.5599,"sentiment":"positive","sentiment_score":0.498847264310588},{"text":"Okay?","start":1512.5599,"end":1513.0599,"sentiment":"neutral","sentiment_score":0.1907532215118408},{"text":"Yeah.","start":1514.08,"end":1514.58,"sentiment":"neutral","sentiment_score":0.017320267856121063},{"text":"Yeah.","start":1518.575,"end":1519.075,"sentiment":"neutral","sentiment_score":-0.010483480989933014},{"text":"No.","start":1520.015,"end":1520.255,"sentiment":"neutral","sentiment_score":-0.062211114913225174}],"sentiment":"positive","sentiment_score":0.42995799898549364,"num_words":27,"start":1506.48,"end":1520.255},{"sentences":[{"text":"It still stays within Hub 24.","start":1520.255,"end":1522.175,"sentiment":"neutral","sentiment_score":-0.02436348780368765},{"text":"It's just altering the underlying investments, essentially, and possibly the product, but nothing changes on your end in any way, shape, or form.","start":1522.175,"end":1529.215,"sentiment":"neutral","sentiment_score":0.016547728114781658},{"text":"Okay?","start":1529.215,"end":1529.715,"sentiment":"neutral","sentiment_score":0.04825957119464874},{"text":"Yeah.","start":1530.98,"end":1531.48,"sentiment":"positive","sentiment_score":0.3662281334400177},{"text":"Fantastic.","start":1531.7,"end":1532.1,"sentiment":"positive","sentiment_score":0.7839862108230591}],"sentiment":"neutral","sentiment_score":0.044777835477361805,"num_words":32,"start":1520.255,"end":1532.1},{"sentences":[{"text":"Well, I'll do the research against just swapping out one or two of the investments against the whole sort of SMA look to see what that looks like for you.","start":1532.1,"end":1540.0399,"sentiment":"neutral","sentiment_score":0.273893187691768},{"text":"We'll make the recommendation if it becomes appropriate.","start":1540.4199,"end":1543.0,"sentiment":"positive","sentiment_score":0.3881836123764515},{"text":"And if it shows, it's gonna put you in a better position as well working towards your goals there.","start":1543.525,"end":1547.865,"sentiment":"positive","sentiment_score":0.5654934158450678},{"text":"With the the two accounts that you have, if you're comfortable, I can look at once I get the additional information, look at whether keeping the money separated is providing a benefit or whether it's better to put it together.","start":1548.085,"end":1559.8301,"sentiment":"neutral","sentiment_score":0.07956606335937977},{"text":"I'll look at the cons the tax consequences of withdrawing the money from the from the investment because that's obviously a factor into this as well, making sure that it's not gonna charge you a ton of tax and looking at the benefits of doing so.","start":1559.9701,"end":1573.815,"sentiment":"neutral","sentiment_score":0.009232614837262941}],"sentiment":"neutral","sentiment_score":0.17953833739657502,"num_words":143,"start":1532.1,"end":1573.815},{"sentences":[{"text":"And I can update the advice to reflect whether we do recommend putting this together or whether we do recommend keeping it separate and how and why does that is this sound okay?","start":1574.035,"end":1582.855,"sentiment":"neutral","sentiment_score":0.1060207753696225},{"text":"Yeah.","start":1584.88,"end":1585.36,"sentiment":"neutral","sentiment_score":0.23957353830337524},{"text":"You're you're more than welcome to tell me no at any point.","start":1585.36,"end":1587.84,"sentiment":"neutral","sentiment_score":0.2075019578138987},{"text":"We just wanna make sure we're evolving the advice and making sure things are working right for you at the same time.","start":1587.84,"end":1593.06,"sentiment":"neutral","sentiment_score":0.3235099444335157},{"text":"That yeah.","start":1595.36,"end":1597.78,"sentiment":"neutral","sentiment_score":0.16191234439611435}],"sentiment":"neutral","sentiment_score":0.19527608693710397,"num_words":70,"start":1574.035,"end":1597.78},{"sentences":[{"text":"Yeah.","start":1599.545,"end":1600.025,"sentiment":"neutral","sentiment_score":0.28587818145751953},{"text":"Absolutely.","start":1600.025,"end":1600.525,"sentiment":"positive","sentiment_score":0.5110989809036255},{"text":"Perfect.","start":1601.0651,"end":1601.5651,"sentiment":"positive","sentiment_score":0.5504834651947021},{"text":"Now the other thing I just wanted to sorta ask was, do you have any kind of sorry.","start":1601.7051,"end":1606.8251,"sentiment":"neutral","sentiment_score":0.033322586574488215},{"text":"Do you have a plan, like an estate planning or a will set up that kinda says what you're wanting to happen to your assets in the event of your passing?","start":1606.8251,"end":1614.12,"sentiment":"neutral","sentiment_score":-0.003797794181493021}],"sentiment":"neutral","sentiment_score":0.035183376274429835,"num_words":52,"start":1599.545,"end":1614.12},{"sentences":[{"text":"I'm sorry to take it another direction.","start":1614.12,"end":1615.9801,"sentiment":"neutral","sentiment_score":-0.14681512117385864},{"text":"Mhmm.","start":1621.0801,"end":1621.5801,"sentiment":"neutral","sentiment_score":0.004185149911791086},{"text":"Yep.","start":1631.115,"end":1631.595,"sentiment":"neutral","sentiment_score":0.08199544996023178},{"text":"Well, we just like to make sure we have all the information updated because we part of the part of our advice structure is making sure the estate planning side of thing is completely sorted.","start":1631.595,"end":1640.96,"sentiment":"neutral","sentiment_score":0.20609835577862604},{"text":"So if as long as you have a will and it is up to date and it does reflect your wishes, that's absolutely fine.","start":1640.96,"end":1646.58,"sentiment":"neutral","sentiment_score":0.30165707382063073}],"sentiment":"neutral","sentiment_score":0.19870127905297147,"num_words":68,"start":1614.12,"end":1646.58},{"sentences":[{"text":"But we do also like to make sure we are looking at your beneficiary nominations on your account as well.","start":1647.0399,"end":1652.1799,"sentiment":"neutral","sentiment_score":0.16026120372116565},{"text":"So with your investment account, you can't actually have a beneficiary nomination on this and making sure there is a will in place.","start":1652.445,"end":1658.6849,"sentiment":"neutral","sentiment_score":0.04209004405319043},{"text":"So if in the event you would have passed away, essentially, the money from the investment can be directed into the will and then distributed as per your wishes.","start":1658.6849,"end":1667.84,"sentiment":"neutral","sentiment_score":0.05892516441386322},{"text":"Otherwise, everything kinda has to go through probate, which can be a really difficult process on your family.","start":1667.9,"end":1673.5,"sentiment":"negative","sentiment_score":-0.36351190797156757},{"text":"I'm not sure if you've ever had to go through that before.","start":1673.5,"end":1675.84,"sentiment":"neutral","sentiment_score":-0.22832772259910902}],"sentiment":"neutral","sentiment_score":-0.033343354500282335,"num_words":102,"start":1647.0399,"end":1675.84},{"sentences":[{"text":"But, essentially, probate, yeah, so probate, it can be quite difficult.","start":1676.46,"end":1680.825,"sentiment":"neutral","sentiment_score":-0.088553334670988},{"text":"Yeah.","start":1681.285,"end":1681.765,"sentiment":"neutral","sentiment_score":-0.01478230394423008},{"text":"And it's up to the judge in the court system, which doesn't you know, it means that the money could lend where you don't want it to be.","start":1681.765,"end":1688.085,"sentiment":"neutral","sentiment_score":0.03757535666227341},{"text":"So it gives you a bit more certainty and control around your assets, which is really important.","start":1688.085,"end":1692.1849,"sentiment":"neutral","sentiment_score":0.18089314637815251},{"text":"Yeah.","start":1694.52,"end":1695.02,"sentiment":"positive","sentiment_score":0.39097845554351807}],"sentiment":"neutral","sentiment_score":0.060851774917080485,"num_words":58,"start":1676.46,"end":1695.02},{"sentences":[{"text":"That's okay.","start":1695.4801,"end":1696.3,"sentiment":"positive","sentiment_score":0.3954874128103256},{"text":"With your beneficiaries here now I do have it noted as a binding non lapsing nomination, and you've got down here that you wanted 50% to be paid to either of your to both of your children.","start":1696.52,"end":1707.3201,"sentiment":"neutral","sentiment_score":0.23710006636542244},{"text":"So 50% each way.","start":1707.3201,"end":1708.6001,"sentiment":"neutral","sentiment_score":0.17816323786973953},{"text":"Is that right?","start":1708.6001,"end":1709.5,"sentiment":"neutral","sentiment_score":0.13494073351224264},{"text":"Yeah.","start":1709.745,"end":1710.245,"sentiment":"neutral","sentiment_score":0.21630117297172544}],"sentiment":"neutral","sentiment_score":0.23186071502401473,"num_words":47,"start":1695.4801,"end":1710.245},{"sentences":[{"text":"Yep.","start":1710.785,"end":1711.185,"sentiment":"neutral","sentiment_score":0.2981181740760803},{"text":"Perfect.","start":1711.185,"end":1711.685,"sentiment":"positive","sentiment_score":0.5089203715324402},{"text":"With that, because they are technically nontax dependent, they are older, did you want me to maybe restructure the estate planning to make a recommendation so that they receive the benefit in the most tax effective way.","start":1712.545,"end":1727.26,"sentiment":"neutral","sentiment_score":0.2774793247918825},{"text":"Because one of the big things, whilst your child yeah.","start":1727.26,"end":1729.98,"sentiment":"neutral","sentiment_score":0.05870610512793064},{"text":"Because whilst your children are beneficiaries under legislation, they can be nominated.","start":1729.98,"end":1735.2799,"sentiment":"neutral","sentiment_score":0.09699795829753081}],"sentiment":"neutral","sentiment_score":0.21024278875012867,"num_words":61,"start":1710.785,"end":1735.2799},{"sentences":[{"text":"If in the event you were to pass away, your super and you haven't got any life insurances, but your super is essentially released.","start":1735.4199,"end":1743.485,"sentiment":"neutral","sentiment_score":0.052018104741970696},{"text":"But on the taxable component, your children are required to pay tax if it's directed directly to them.","start":1743.7849,"end":1749.245,"sentiment":"neutral","sentiment_score":0.007230045687821176},{"text":"Unfortunately, it's hard to get around it.","start":1750.12,"end":1752.2,"sentiment":"neutral","sentiment_score":-0.19529260056359427},{"text":"But if we maybe look at offering the nomination, and as long as you have a will drawn up, then you can direct it through to your estate.","start":1752.2,"end":1760.46,"sentiment":"neutral","sentiment_score":0.12678611411580018},{"text":"In your will, you just need to have it directed that you how you want it to be be paid.","start":1760.9199,"end":1765.105,"sentiment":"neutral","sentiment_score":0.18219600804150105}],"sentiment":"neutral","sentiment_score":0.07428307719912726,"num_words":97,"start":1735.4199,"end":1765.105},{"sentences":[{"text":"You can have it done through, like, a trust through your will, and that way, the kids receive the funds.","start":1765.105,"end":1771.985,"sentiment":"neutral","sentiment_score":0.1878840893507004},{"text":"And it does sort of save them paying a little bit of tax.","start":1771.985,"end":1774.5449,"sentiment":"neutral","sentiment_score":0.2173960438141456},{"text":"Does that make sense?","start":1774.5449,"end":1775.5249,"sentiment":"neutral","sentiment_score":0.10186325199902058},{"text":"Yeah.","start":1777.345,"end":1777.845,"sentiment":"positive","sentiment_score":0.4360576272010803},{"text":"Beautiful.","start":1778.3049,"end":1778.8049,"sentiment":"positive","sentiment_score":0.7606993913650513}],"sentiment":"neutral","sentiment_score":0.2099497534143619,"num_words":39,"start":1765.105,"end":1778.8049},{"sentences":[{"text":"I can that's okay.","start":1779.0249,"end":1781.1599,"sentiment":"positive","sentiment_score":0.6612958163022995},{"text":"I can absolutely, as part of the advice, also put the estate planning slides in there for you, and we can have a really good look at what to do there.","start":1781.1599,"end":1788.2799,"sentiment":"positive","sentiment_score":0.40100136399269104},{"text":"Okay?","start":1788.2799,"end":1788.7799,"sentiment":"neutral","sentiment_score":0.1456272304058075},{"text":"Perfect.","start":1791.08,"end":1791.58,"sentiment":"positive","sentiment_score":0.5466798543930054},{"text":"Excellent.","start":1791.96,"end":1792.46,"sentiment":"positive","sentiment_score":0.5138558149337769}],"sentiment":"positive","sentiment_score":0.4284839065451371,"num_words":38,"start":1779.0249,"end":1792.46},{"sentences":[{"text":"Now I will go back, as I said, and do all the research there.","start":1793.085,"end":1795.8049,"sentiment":"neutral","sentiment_score":0.18946470533098494},{"text":"I'll send you an email after the call just to try and get some other information there for you.","start":1795.8049,"end":1800.365,"sentiment":"neutral","sentiment_score":0.18524455318325445},{"text":"Now I depending on how the research comes back, it may be worthwhile keeping the accounts completely separate.","start":1800.365,"end":1806.625,"sentiment":"neutral","sentiment_score":0.05528930574655533},{"text":"But I just wanted to obviously find out a bit more about what you're after, what your goal was with the funds.","start":1807.02,"end":1812.0,"sentiment":"neutral","sentiment_score":0.09981960921802303},{"text":"Do you have any sort of large holidays planned before the age of 65 that you think you might want some large sums of money for?","start":1812.22,"end":1819.1,"sentiment":"neutral","sentiment_score":0.03884776581365328}],"sentiment":"neutral","sentiment_score":0.10478215356065769,"num_words":99,"start":1793.085,"end":1819.1},{"sentences":[{"text":"Do you plan on going to The UK or anything like that?","start":1819.1,"end":1821.76,"sentiment":"neutral","sentiment_score":0.020963197108358145},{"text":"Yep.","start":1825.645,"end":1826.145,"sentiment":"neutral","sentiment_score":0.055596768856048584},{"text":"Yep.","start":1833.245,"end":1833.745,"sentiment":"neutral","sentiment_score":0.03668508678674698},{"text":"Yep.","start":1834.205,"end":1834.705,"sentiment":"neutral","sentiment_score":0.02184408903121948},{"text":"Yep.","start":1845.0599,"end":1845.5599,"sentiment":"neutral","sentiment_score":0.002490651560947299}],"sentiment":"neutral","sentiment_score":0.023010935095953755,"num_words":16,"start":1819.1,"end":1845.5599},{"sentences":[{"text":"Yep.","start":1846.1,"end":1846.6,"sentiment":"neutral","sentiment_score":0.001857064082287252},{"text":"Yeah.","start":1850.4149,"end":1850.9149,"sentiment":"neutral","sentiment_score":-0.02091955579817295},{"text":"No.","start":1853.375,"end":1853.875,"sentiment":"neutral","sentiment_score":-0.12264981865882874},{"text":"No.","start":1854.575,"end":1854.8949,"sentiment":"neutral","sentiment_score":-0.0657782107591629},{"text":"That's okay.","start":1854.8949,"end":1855.695,"sentiment":"neutral","sentiment_score":-0.008600263856351374}],"sentiment":"neutral","sentiment_score":-0.03744850814109668,"num_words":6,"start":1846.1,"end":1855.695},{"sentences":[{"text":"That's completely fine.","start":1855.695,"end":1856.6549,"sentiment":"neutral","sentiment_score":0.11306023349364598},{"text":"I just wanted to make sure I take that sort of thing into account because, I mean, if there was a point where we take something out of out of the investment to put into the super, that does sort of stop you from accessing that certain amount of money.","start":1856.6549,"end":1869.91,"sentiment":"neutral","sentiment_score":-0.017076226584613323},{"text":"So I just wanted to sort of find out and gauge where there might be a need to keep some money back or if you wanted a bit of a buffer.","start":1869.91,"end":1877.03,"sentiment":"neutral","sentiment_score":-0.007302123091874584},{"text":"Like, I know you have your own business and things like that, but did you wanna keep, like, a certain amount in an investment account to have as a buffer as a bit of a backup?","start":1877.03,"end":1885.375,"sentiment":"neutral","sentiment_score":0.01835858338098559},{"text":"Yep.","start":1889.115,"end":1889.615,"sentiment":"neutral","sentiment_score":-0.020486505702137947}],"sentiment":"neutral","sentiment_score":-0.0008311896577231155,"num_words":121,"start":1855.695,"end":1889.615},{"sentences":[{"text":"Yeah.","start":1892.395,"end":1892.895,"sentiment":"neutral","sentiment_score":-0.00753078144043684},{"text":"Yep.","start":1894.22,"end":1894.72,"sentiment":"neutral","sentiment_score":0.04494358226656914},{"text":"Yeah.","start":1894.7799,"end":1895.0199,"sentiment":"neutral","sentiment_score":0.05880686640739441},{"text":"That's okay.","start":1895.0199,"end":1895.9199,"sentiment":"neutral","sentiment_score":0.09244119003415108},{"text":"Not a problem at all.","start":1896.2999,"end":1897.1799,"sentiment":"neutral","sentiment_score":0.05065120905637741}],"sentiment":"neutral","sentiment_score":0.05343580925837159,"num_words":10,"start":1892.395,"end":1897.1799},{"sentences":[{"text":"What I can do is I can go back and do a bit of research there for you.","start":1897.1799,"end":1900.3799,"sentiment":"neutral","sentiment_score":0.09022656000322765},{"text":"This is quite a large plan, a lot of research to conduct, so it will take a few weeks to put that together.","start":1900.3799,"end":1904.96,"sentiment":"neutral","sentiment_score":0.04814081671445266},{"text":"But we can come back, and I can go through the recommendations.","start":1906.105,"end":1908.6849,"sentiment":"neutral","sentiment_score":0.07904751226305962},{"text":"I can let you know what we've recommended, how and why, and then go through the advantages, disadvantages, the risks involved.","start":1908.905,"end":1915.785,"sentiment":"neutral","sentiment_score":0.10351640673442966},{"text":"And then you get to have a look at that and decide whether you wanna take all the advice, some of it or none of it at all.","start":1915.785,"end":1920.825,"sentiment":"neutral","sentiment_score":0.05406172487086484}],"sentiment":"neutral","sentiment_score":0.07222999852406335,"num_words":102,"start":1897.1799,"end":1920.825},{"sentences":[{"text":"That's completely up to you.","start":1920.825,"end":1922.3501,"sentiment":"neutral","sentiment_score":0.06475376486778259},{"text":"Okay.","start":1922.41,"end":1922.91,"sentiment":"neutral","sentiment_score":0.12915870547294617},{"text":"Excellent.","start":1924.7301,"end":1925.2301,"sentiment":"positive","sentiment_score":0.5720195174217224},{"text":"Perfect.","start":1925.77,"end":1926.27,"sentiment":"positive","sentiment_score":0.5137002468109131},{"text":"Is yeah.","start":1926.9701,"end":1928.27,"sentiment":"neutral","sentiment_score":0.09400195628404617}],"sentiment":"neutral","sentiment_score":0.1726651206612587,"num_words":10,"start":1920.825,"end":1928.27},{"sentences":[{"text":"Absolutely.","start":1930.49,"end":1930.99,"sentiment":"neutral","sentiment_score":0.05916965380311012},{"text":"Yeah.","start":1932.01,"end":1932.49,"sentiment":"neutral","sentiment_score":0.054883167147636414},{"text":"Yeah.","start":1932.49,"end":1932.7301,"sentiment":"neutral","sentiment_score":0.08080664277076721},{"text":"What I'll do is I'll send you through an email just kind of recapping what we've discussed just to kinda give you an idea of what we've gone through, make sure that there's nothing that's been missed, allow you to ask any additional questions that you might have, or if you can tell me, hey.","start":1932.7301,"end":1944.375,"sentiment":"neutral","sentiment_score":0.11468410962684587},{"text":"No.","start":1944.375,"end":1944.615,"sentiment":"neutral","sentiment_score":-0.19333826005458832}],"sentiment":"neutral","sentiment_score":0.10693469886683811,"num_words":59,"start":1930.49,"end":1944.615},{"sentences":[{"text":"That's actually wrong.","start":1944.615,"end":1945.4149,"sentiment":"neutral","sentiment_score":-0.26223071416219074},{"text":"I don't really wanna do that anymore.","start":1945.4149,"end":1946.855,"sentiment":"neutral","sentiment_score":-0.29551658034324646},{"text":"That's okay.","start":1946.855,"end":1947.6749,"sentiment":"neutral","sentiment_score":0.009793417528271675},{"text":"And then I'll also just send through the details with the myGov there.","start":1948.76,"end":1952.28,"sentiment":"neutral","sentiment_score":0.12962786967937762},{"text":"If you can grab that information for me, that would be fabulous, and we can have a look at what to do and how this works for you and do all that research best.","start":1952.28,"end":1959.3201,"sentiment":"neutral","sentiment_score":0.3045654174159555}],"sentiment":"neutral","sentiment_score":0.1560112733583329,"num_words":59,"start":1944.615,"end":1959.3201},{"sentences":[{"text":"Okay?","start":1959.3201,"end":1959.8201,"sentiment":"neutral","sentiment_score":0.07869724184274673},{"text":"My pleasure, Bronwyn.","start":1963.465,"end":1964.6649,"sentiment":"positive","sentiment_score":0.4744117756684621},{"text":"Thank you so much for calling me back.","start":1964.6649,"end":1966.6849,"sentiment":"positive","sentiment_score":0.45100221410393715},{"text":"No.","start":1970.345,"end":1970.845,"sentiment":"neutral","sentiment_score":-0.16441163420677185},{"text":"You honestly have nothing to apologize for.","start":1971.3049,"end":1973.5449,"sentiment":"neutral","sentiment_score":-0.1196250489779881}],"sentiment":"neutral","sentiment_score":0.20540816523134708,"num_words":20,"start":1959.3201,"end":1973.5449},{"sentences":[{"text":"I work on your time, and it's not a problem in any way, shape, or form.","start":1973.5449,"end":1977.1449,"sentiment":"neutral","sentiment_score":0.10764185525476933},{"text":"Okay?","start":1977.1449,"end":1977.6449,"sentiment":"neutral","sentiment_score":0.07810481637716293},{"text":"Yeah.","start":1982.37,"end":1982.87,"sentiment":"neutral","sentiment_score":0.15300768613815308},{"text":"Thank you so much.","start":1982.93,"end":1983.7301,"sentiment":"positive","sentiment_score":0.6821911931037903},{"text":"If there's anything you'd just wanted, I'll make sure I come back.","start":1983.7301,"end":1986.37,"sentiment":"neutral","sentiment_score":0.08573256433010101}],"sentiment":"neutral","sentiment_score":0.16796875679317644,"num_words":34,"start":1973.5449,"end":1986.37},{"sentences":[{"text":"But, yeah, once you get the email from me, hopefully, today or tomorrow, if you can just reply back it doesn't have to be urgent.","start":1986.37,"end":1992.365,"sentiment":"neutral","sentiment_score":0.11413590043783188},{"text":"Just whenever you're available because I know you are very busy, and I'll get cracking on that research there for you.","start":1992.365,"end":1997.725,"sentiment":"neutral","sentiment_score":0.10492407601504099},{"text":"Okay?","start":1997.725,"end":1998.225,"sentiment":"neutral","sentiment_score":0.08218414336442947},{"text":"Thank thank you so much.","start":1999.885,"end":2001.485,"sentiment":"positive","sentiment_score":0.706321907043457},{"text":"No worries at all.","start":2001.485,"end":2002.445,"sentiment":"positive","sentiment_score":0.383760504424572}],"sentiment":"neutral","sentiment_score":0.18224355006324394,"num_words":56,"start":1986.37,"end":2002.445},{"sentences":[{"text":"Have a good afternoon.","start":2002.445,"end":2003.505,"sentiment":"positive","sentiment_score":0.6482824236154556},{"text":"Thanks.","start":2005.1649,"end":2005.565,"sentiment":"positive","sentiment_score":0.5116462707519531},{"text":"Bye.","start":2005.565,"end":2006.065,"sentiment":"neutral","sentiment_score":0.27181240916252136}],"sentiment":"positive","sentiment_score":0.5627647290627161,"num_words":6,"start":2002.445,"end":2006.065}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Welcome to HP Financial. This is Jacob speaking.\n\nChannel 0: Yeah. Hi there. I was just wondering if I could speak to Dana.\n\nChannel 1: To Dana? Yeah. What was your full name? Sorry.\n\nChannel 0: It's Bronwyn Ecklund. I think I missed a call from her. I think I had a meeting. Sorry.\n\nChannel 1: Oh, okay. You have one booked today?\n\nChannel 0: Yeah. 03:00, and I forgot. And yeah. So I'm just returning\n\nChannel 1: Okay.\n\nChannel 0: her call.\n\nChannel 1: No.\n\nChannel 0: Yes.\n\nChannel 1: That's alright, Bronwyn. No worries. Were you still able to do that call now?\n\nChannel 0: Yeah. If she's available, that'd be good.\n\nChannel 1: Yeah. Absolutely. No worries. I'll just bring up your profile really quick. Just bear with me.\n\nSorry. Cool, Bronwyn. I'll just run you through a quick security. So I'll just get you to confirm your date of birth and current address for me, please.\n\nChannel 0: Alright. Date of birth is the '69,\n\nChannel 1: Yep.\n\nChannel 0: and address is 4 Slash 12 Copest Court, Queensland, Holywell 4216.\n\nChannel 1: Beautiful. Thanks for that one, Bronwyn. I'll pop you on a quick hold. And if Dana's available, she'll be the next person you speak with.\n\nChannel 0: No worries. Thank you.\n\nChannel 1: Okay. Thanks, Bronwyn.\n\nChannel 0: Thanks.\n\nChannel 1: Welcome to Oakview Financial. At Oakview Financial, we use an innovative model. Good afternoon. This is Dana.\n\nChannel 0: Hi, Dana. It's Anne Brumwin. I\n\nChannel 1: Hi. How are you?\n\nChannel 0: hi. How are you?\n\nChannel 1: I'm very well. Thank you. How's your day been?\n\nChannel 0: Yeah. Busy. Sorry I missed your call. I was in a\n\nChannel 1: That's\n\nChannel 0: meeting, but I can\n\nChannel 1: not\n\nChannel 0: talk now if you've got this wrong,\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: do.\n\nChannel 0: we can reschedule.\n\nChannel 1: No. No.\n\nChannel 0: Yep.\n\nChannel 1: That's okay. I work on your time, so it's absolutely not a problem at all. I'll try to keep it fairly brief there for you there, Bronwyn. Essentially, when you did your annual review the other week with my colleague, Michelle, she kinda went through your portfolio with you and noted that whilst you had had a fairly good return in both your super and your investments, and some of the investments might need to be reevaluated. Do you remember going through that call with her?\n\nChannel 0: Yes. Yes. I do.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Beautiful.\n\nChannel 0: Was that was that the stupid side of it? Is that correct?\n\nChannel 1: I yeah. So the super\n\nChannel 0: Yes.\n\nChannel 1: and the investment, I believe. I've\n\nChannel 0: Okay.\n\nChannel 1: had a really good review of your portfolio before the call to sorta have a look at what we can do. Now, look, having a look at both of those, you do have a good amount of money in there, so it is making a good return. You have still had in your super over the last twelve months about 11% return. And then in the investment account there, you have also had a 12% return. So it's not bad by any means, but there are one of\n\nChannel 0: Yeah.\n\nChannel 1: the investments in there is sort of underperforming a little bit, and we wanted to maybe look at reviewing that to see if there's something better there because we don't want one investment to kinda hold back the rest of your portfolio, especially with the balance that you have.\n\nChannel 0: Yep.\n\nChannel 1: Okay?\n\nChannel 0: Okay.\n\nChannel 1: Having a look, Bennelong is your Australian equities component, and you have that investment in both your super and your under and your investment account. Sorry. So when what sort\n\nChannel 0: Okay.\n\nChannel 1: of happened with them as an investment is as of kind of last November, one of their underlying investments, Corporate Traveler, had some had been a bit dishonest to the market, wasn't actually reporting correctly to their investors, and that have been caught out in around that mid November, early December there. They had had a bit of a trading halt, and it meant that Bennelong had to go back and and, yeah, review that part of their investment. They had to analyze it and had to revalue it. And as of as a whole, it's essentially meant that Bennelong has had to be reevaluated as well. So within your portfolio, that one investment is down pretty significantly.\n\nIt's down in your individual investment by about 17%, and in your super,\n\nChannel 0: Right.\n\nChannel 1: it's down again by about 17%. So whilst your overall portfolio is still working, when, say, there's one aspect of it that might not be working, it is worth maybe just reevaluating that one investment, maybe swapping it out for something else and seeing what else we can maybe put in this place. Are you comfortable with us\n\nChannel 0: Yep.\n\nChannel 1: going back and doing that?\n\nChannel 0: Yeah. That's fine. Yep. Yep.\n\nChannel 1: Yeah? Beautiful. We wanna make sure your whole portfolio is working for you, not just part of it. So it might\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: just be\n\nChannel 0: I\n\nChannel 1: worth\n\nChannel 0: just\n\nChannel 1: having a look at that now. Easy done. When\n\nChannel 0: Okay.\n\nChannel 1: we do sort of look at the the two different investment options you have, so with your investment account, you've got a really good balance in there. Is there any particular what's your sort of long term goal with regard to that investment account? What are you sort of building the funds for? Is it just to have as an emergency, or is it more just to fall back on in retirement? Or\n\nChannel 0: Yeah. It's sort of emergency and more probably more retirement. So\n\nChannel 1: yep.\n\nChannel 0: I don't, you know, I just wanna yeah. I got it sort of for later on if I can. Yeah.\n\nChannel 1: Yeah. Yeah. That's okay. And you're happy leaving it in the investment account at the moment?\n\nChannel 0: Yeah. Yeah. I think so. If it's doing\n\nChannel 1: Yep. Yep.\n\nChannel 0: doing well. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. If\n\nChannel 1: Well,\n\nChannel 0: it's doing\n\nChannel 1: the benefit\n\nChannel 0: the best.\n\nChannel 1: to having\n\nChannel 0: Yeah.\n\nChannel 1: it there is that you you can access those funds if you do need to, so it's not a bad thing\n\nChannel 0: Yeah.\n\nChannel 1: to do. However, if you wanted to look at down the track maybe what to do with the funds, we can also look at other ways to utilize them. So, yeah, we just wanna make sure that it's all working for you the way it is at the moment.\n\nChannel 0: So what are the other ways to utilize it?\n\nChannel 1: Well, depending on what you wanted to do, we can look at ways to put it into super. Obviously, in having an investment account there does mean you can access those funds at a short period of time if you do need to because anything in super is preserved until you retire. At this stage,\n\nChannel 0: Yep.\n\nChannel 1: the earliest accessing date is age 60. But there are benefits to putting more money into super as well, having it sort of in a tax effective environment. We could always look at, you know, what your income is. Is putting some more money into super gonna be more tax effective for you? Because I know your income you're self employed, aren't you?\n\nChannel 0: Yeah. Well, I was yeah. I have my own business. Yep.\n\nChannel 1: Yeah. Yeah. So there are definitely other ways if you wanted to look at doing that. But if you prefer to have the money kind of at hand\n\nChannel 0: Okay.\n\nChannel 1: in the investment account, then that's absolutely fine as well. It really just comes down to what your preference is and what you're sort of wanting to do and what your goal is with that money moving forward as well. Yeah.\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: That's okay.\n\nChannel 0: Yeah. Well, I think yeah. I sorta\n\nChannel 1: Yeah.\n\nChannel 0: just leave it and leave it up to you guys being the, you know, the professionals with it just to do what needs to be done.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. That's okay. Are you happy just leaving in the investment account for now, and maybe down the track we can look at what else to do? Or did you want me to maybe look at the funds and look at other ways to have it working for you? What's your sort of preference at the moment?\n\nChannel 0: Yeah. Yeah. If you wanna have a look and see if there's something that'll work better. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Beautiful. That's\n\nChannel 0: And\n\nChannel 1: okay.\n\nChannel 0: so did you say did you say at the moment, is it 60 that I can start accessing super? Is that what\n\nChannel 1: Yeah. Yeah. Correct. So under the current legislation there, if you choose to retire at the age of 60, then you're able to access your super wholly. If you continue working past the age of 60, there are\n\nChannel 0: you\n\nChannel 1: restrictions\n\nChannel 0: said?\n\nChannel 1: around doing so. But at 65, regardless of whether you're working or not, you're able to access your super there.\n\nChannel 0: From 65?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep. Yep. Okay.\n\nChannel 1: What what age are you sort of hoping to maybe retire or stop working or if you ever?\n\nChannel 0: Yeah. I'm not sure. I haven't really thought about that part of it, but it's not too far away, I suppose.\n\nChannel 1: Yeah. No. That's okay.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: No. That's okay. What do you do? What does your business do? What do you do for work?\n\nChannel 0: So I've got a homestay business. They're helping students find homestay accommodation.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So we work with agents and students. Yeah.\n\nChannel 1: Beautiful.\n\nChannel 0: And with with families,\n\nChannel 1: Okay.\n\nChannel 0: finding good families for them to stay with. Yeah.\n\nChannel 1: Yeah. Oh, perfect. Not a problem at all. And with your super there, I can see you've got a really good balance that has been, you know, working quite nicely there for you. But are you making regular contributions into that fund?\n\nI'm sorry. I'm trying to log in to hub\n\nChannel 0: Yeah.\n\nChannel 1: 24 to have a really\n\nChannel 0: Yeah.\n\nChannel 1: good look at it. It's not loading.\n\nChannel 0: Yep. We do. Yep. We do.\n\nChannel 1: Yep.\n\nChannel 0: I'm\n\nChannel 1: On\n\nChannel 0: sorry.\n\nChannel 1: more\n\nChannel 0: My\n\nChannel 1: of a regular\n\nChannel 0: department.\n\nChannel 1: basis?\n\nChannel 0: I don't add any extra, but we pay, you know, obviously, the the percentage that has to be paid each quarter.\n\nChannel 1: Or\n\nChannel 0: Yep.\n\nChannel 1: yep. Yep. That's okay. The\n\nChannel 0: Yep.\n\nChannel 1: other thing I sort of wanted to find out was when you when you do get to retirement age, whether it be 60 or 65, do you know how much you might like to be able to draw out to live on when you do access Uber? No?\n\nChannel 0: No. So what what's what's the average that a single person made?\n\nChannel 1: There's no genuine average. There is kind of a\n\nChannel 0: Yeah.\n\nChannel 1: guide that sort of shows what might be required there, but it is pretty broad depending on the circumstances. Realistically\n\nChannel 0: Yeah.\n\nChannel 1: I mean, what you could aim for if you're comfortable living on your income you have at the moment is just kinda aim for the same income that you have knowing that this is what you live on now. Because\n\nChannel 0: Yeah.\n\nChannel 1: having a look,\n\nChannel 0: Yep.\n\nChannel 1: you don't have a mortgage. You've paid your home off fully, haven't you?\n\nChannel 0: Correct. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Perfect. So you're currently living there debt free at the moment anyway. So you\n\nChannel 0: Yeah.\n\nChannel 1: could just work to if you if you have a comfortable standard of living on your current income, you could always, you know, look to try and replace the same kind of income and have that as a\n\nChannel 0: Yeah.\n\nChannel 1: goal if you're comfortable with that. Or\n\nChannel 0: Yeah. Yeah. Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: even if it's like a like a thousand dollars a week or something. Yeah.\n\nChannel 1: Yeah. Yes. Is that what you're sort of wanting? Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And that's\n\nChannel 1: Yeah.\n\nChannel 0: doable is what I've got.\n\nChannel 1: Well,\n\nChannel 0: Yep.\n\nChannel 1: what I can do is I can go back and I can review the super and the investment account. I can go\n\nChannel 0: Yes.\n\nChannel 1: forward and run some projections to have a look at what we're expecting based on the advice. I can look at both the super and the investment account, look at, obviously, what the consequences are, whether it is worth taking any money out of the investment to put into super, and what that might do and look like for you.\n\nChannel 0: Okay.\n\nChannel 1: I'll, you know,\n\nChannel 0: Yep.\n\nChannel 1: factor the tax consequences there. I might come back and say, hey. We're better off to keep the money here in this investment account, or I might, you know, say we might be better off to put some money into super there. Do you have access to your myGov account at all?\n\nChannel 0: Yeah. I do. Yep.\n\nChannel 1: Yeah. On your myGov account, if I send you an email afterwards, would you be able to access kind of your catch up contributions? If you go in, I'll send you the steps on how to do that, but the government allows you to utilize catch up contributions over the last five years, which could provide a bit of a tax benefit to you as well. So if you're comfortable sending that through to me, I could utilize that to sort of do the advice up for you and look at what we could maybe do.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Like, catch up like a catch up contribution. Yeah.\n\nChannel 1: Yeah. Yep. I'll send you an email after the call if you like, everyone. When it explains what to do, where to go to get them, I'll have the steps laid out for you nice and easy. Yeah?\n\nChannel 0: Yep. Okay. Yep. Do it easy.\n\nChannel 1: Yes. That's okay. And having a look, so are we sort of working on do you think you wanna sort of maybe start accessing super and hopefully start working around 60, or do you think you're more likely to work a bit longer just the the projection side of things? Sorry. You're probably nervous.\n\nChannel 0: I don't know. I mean yeah. I'd like to have 60. I don't know.\n\nChannel 1: Yeah. No.\n\nChannel 0: Maybe\n\nChannel 1: That's okay.\n\nChannel 0: maybe do it for 65. Yeah.\n\nChannel 1: Yeah. 65. No worries. Perfect. I'm working on your current income amount now, or do you think maybe a thousand dollars a week would just be fine?\n\nChannel 0: Yeah. I\n\nChannel 1: I've\n\nChannel 0: guess\n\nChannel 1: got\n\nChannel 0: so. Yeah. Yeah. Plan it on that.\n\nChannel 1: yeah. I'm\n\nChannel 0: Probably\n\nChannel 1: sorry.\n\nChannel 0: need\n\nChannel 1: Just\n\nChannel 0: to pull\n\nChannel 1: a thousand dollars a\n\nChannel 0: that.\n\nChannel 1: week or just the 60,000 you're paying yourself at the moment?\n\nChannel 0: No. I do it on the thousand a week. Yeah.\n\nChannel 1: Yep. Perfect. So it's about 52,000 per year. Beautiful. And just going through the other circumstances I have here.\n\nNow I've got it down, so sorry, that you're single. Is that right?\n\nChannel 0: Yes.\n\nChannel 1: Yep. Yep. Beautiful. And you've got one\n\nChannel 0: Correct.\n\nChannel 1: son not financially dependent on yourself? Oh, sorry. You've got two children. One son and one daughter in The UK. Sorry about that.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: Yep. Beautiful. So neither are financially dependent on you?\n\nChannel 0: Well, one is a little bit, I suppose. He lives with\n\nChannel 1: Yep.\n\nChannel 0: me and pays, you know, pays a little bit of rent. So I\n\nChannel 1: Yeah.\n\nChannel 0: do support him, I guess, a little bit.\n\nChannel 1: Yeah. Yeah. That's okay. Not a problem at all. Perfect.\n\nOkay. And I can see here you're debt free. You've got a bit of savings aside.\n\nChannel 0: Yeah.\n\nChannel 1: So the funds in the savings account that you have there, is that just more of an emergency buffer for yourself? Did you wanna do anything with\n\nChannel 0: Yep.\n\nChannel 1: any of that money?\n\nChannel 0: No. Yeah. It's sort of just back up for me.\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: okay. Yep. That's\n\nChannel 0: And\n\nChannel 1: absolutely\n\nChannel 0: I\n\nChannel 1: fine. All good. And with the investment account within Hub twenty four there, are you making any regular deposits into that account, or is it just money when you've kinda got it available?\n\nChannel 0: Investment? No. I don't add anything to it. I haven't added anything in\n\nChannel 1: Okay.\n\nChannel 0: for both. So\n\nChannel 1: Yep.\n\nChannel 0: it's just purely from what the market's doing, I guess. Yeah.\n\nChannel 1: Yeah. Yeah. Perfect. No. Excellent.\n\nI'll have a really good look at what we can do there and have a look at the difference and sort of project it out. It does take a couple of weeks to kinda come up and have a look at what we can do and do all the research properly for you. But once I do have it ready to go, I'll let you know. And we can definitely go through and have a chat about what the advice is. We'll make the recommendations there for you.\n\nAnd then it's up to you whether you take on all of them, some of them, or none of them at all. Is that okay?\n\nChannel 0: Yeah. Sounds good.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep.\n\nChannel 1: Now the other thing I do have here, I'm so sorry, is we have you looking at both of those portfolios there. It does look like you're in more of a growth portfolio. So, realistically, I just wanted to run through a bit of a risk profile analysis with you. Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels. Because as your balance gets higher in these sorts of accounts, smaller changes to your, to smaller fluctuations or smaller changes to the investments make a bigger difference on a higher balance.\n\nSo it's something that as your balance grows, you tend to notice a little bit more.\n\nChannel 0: Okay.\n\nChannel 1: I've just\n\nChannel 0: Okay.\n\nChannel 1: got a bit of a quick risk profile question. It's the same as you would have done over the last couple of years. It's just to sort of reevaluate whether we need to maybe look at changing the portfolios for you as a whole and maybe reduce the risk level. Okay? Yep.\n\nThanks. The first one here is asking, have you ever invested in direct shares in your own name before now? I know you do have an investment account with those managed funds and ETFs and things. But have you ever owned any direct shares outside of all of this?\n\nChannel 0: Yes. I have. Yep.\n\nChannel 1: You have? Beautiful. Do you still have any of those at all?\n\nChannel 0: No. I don't. I sold them and then put them into oh, they're just okay to sort out.\n\nChannel 1: Oh, yes. Perfect. Sold them all. Beautiful.\n\nChannel 0: Yep.\n\nChannel 1: That's excellent. The next one here is asking what time horizon you have between now to when you're wanting to access your capital. So between the super and the investment account there, are you sort of hoping to access both of that or all those funds at around about age 65? Did you wanna try and access any of the investment money prior?\n\nChannel 0: Possibly. But, yeah, depending on what life throws at me.\n\nChannel 1: You're what? Like\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Okay. So more just\n\nChannel 0: That's.\n\nChannel 1: in emergencies. You don't have any large holidays or anything booked at the moment?\n\nChannel 0: No.\n\nChannel 1: Nope. That's okay. Not a problem at all. The next question here\n\nChannel 0: No.\n\nChannel 1: is asking about inflation and, essentially, look at the risk level that you're willing to take. So when you think about your super and the investment account that you have, when you think\n\nChannel 0: Yep.\n\nChannel 1: about the type of risk you're willing to take, do you consider yourself willing to take on more risk to get greater potential returns, or are you feeling a bit more because you are getting closer to those points where you can try to access super? Are you feeling a bit more risk averse and wanting to protect your capital a bit more knowing the returns are a bit lower, or do you feel kind of in the middle of both all of the of those?\n\nChannel 0: Yes. Probably in the middle, I'd say. Yep.\n\nChannel 1: Yep. Yep. Perfect. Excellent. The next one here, if you looked at both of those accounts and you saw them fall by, say, 20% over the next sort of six months due to external market factors, how do you think\n\nChannel 0: Yep.\n\nChannel 1: you might be feeling? So if it might be a different way because you could can't really access that as of yet, you might feel a bit, you know, more risk averse towards your investment account. So just let me know exactly how\n\nChannel 0: Mhmm.\n\nChannel 1: you're feeling. But do you think you wanna put more money into the market? It could be a buying opportunity. Are you likely to call us and see what we suggest to do, or are you more likely to wanna sell and cement your losses?\n\nChannel 0: I guess I'd just wait it out until it\n\nChannel 1: Weighted\n\nChannel 0: it\n\nChannel 1: up.\n\nChannel 0: comes up again.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. That's okay. Perfect.\n\nChannel 0: Or possibly\n\nChannel 1: The next one\n\nChannel 0: ring the credit\n\nChannel 1: yeah?\n\nChannel 0: card. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Perfect. The next one here is asking what reasonable rate of return you're hoping to achieve on a yearly basis over the longer term out of both of those super and your investments. Are you wanting to try and obtain maybe the highest return you can on a yearly basis? Would you be comfortable just getting around six to 8% per year, four to 6% per year, or would you be comfortable with about two to 4% per year?\n\nChannel 0: The highest, I guess, possible? Six\n\nChannel 1: Yep.\n\nChannel 0: to eight?\n\nChannel 1: That's okay. Perfect. There's nothing wrong with that at all.\n\nChannel 0: Yeah. Wishful thinking?\n\nChannel 1: No. Absolutely. And the next one here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you not wanna borrow for investing at all?\n\nChannel 0: No. I never thought of it, and I probably would yeah. I don't really wanna do that.\n\nChannel 1: Nope. That's absolutely fine. And the last one here is asking, have you ever seen either your investment or super fall in value? If you did moving forward due to external\n\nChannel 0: Mhmm.\n\nChannel 1: market factors, how might this be making you feel? Are you feeling optimistic about the investment opportunities, a bit cautious, a bit concerned, or a bit anxious?\n\nChannel 0: A bit cautious, but, no, I know that it fluctuates with, you know, global circumstances. So,\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: yeah,\n\nChannel 1: Bit\n\nChannel 0: Just\n\nChannel 1: cautious,\n\nChannel 0: wait it out.\n\nChannel 1: you said. Sorry. Yep.\n\nChannel 0: Post\n\nChannel 1: Yep.\n\nChannel 0: this. Yep. Yep.\n\nChannel 1: Yep. Perfect. No. Not a problem at all. Excellent.\n\nNow you have scored there as a growth investor. So from what I can see, we do have you in that growth sort of area at the moment. That generally sees about 80% of your super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. And then the\n\nChannel 0: Yep.\n\nChannel 1: other 20% is in defensive lower risk investment, things like cash, bonds, and fixed interest. That sort of investment portfolio does suit someone who has at least six years before they're wanting to access their super or even their investment accounts. So given that you do are thinking about age 65 at the moment, it does give you that kind of time horizon to be in this sort of environment. It's just important\n\nChannel 0: Yep.\n\nChannel 1: to know that that does see 80% invested in those high growth or high risk environment like shares and property. We do like commodities as well. So\n\nChannel 0: Yep.\n\nChannel 1: you can see higher fluctuations depending on that. Do you feel like you're comfortable remaining there, or did you wanna maybe start scaling it back a little bit?\n\nChannel 0: I think I'm comfortable with where it's at.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. That's okay. And for both of those, the super and the investment?\n\nChannel 0: Yes.\n\nChannel 1: Yep. That's okay.\n\nChannel 0: Yes. I\n\nChannel 1: All\n\nChannel 0: think\n\nChannel 1: good.\n\nChannel 0: first.\n\nChannel 1: And, yeah, that's okay.\n\nChannel 0: Yes.\n\nChannel 1: Now there are other ways to invest as well. So when we look at the portfolios as a whole, there's different ways to invest within a portfolio. One of those consists of having active management, and that is where you invest in managed funds that have the active managers behind the scenes. They're buying and selling within those funds, and they're trying to outperform the market. It can be a little bit\n\nChannel 0: Right.\n\nChannel 1: more costly. You can pay more on management fees for those sorts of investment managers. And that's what Van Alon essentially were in your portfolio for. They were a bit more of an active manager in there. They were meant to be, you know, trying to sort of outperform the market.\n\nUnfortunately, this year, they haven't done so. And, honestly,\n\nChannel 0: Yep.\n\nChannel 1: when you look at the way investments do work over a longer period of time, quite often, active managers don't always outperform the market. So, you know, it's always a little bit of a gamble having them in there. The other way of investing is more of a passive investing, and that's where you're buying managed funds or ETFs that are better to track the market. The investment managers are just trying to buy in line with the index they're tracking, and they're not trying to outperform the market. They're not taking on more risk in any way.\n\nHaving more of a\n\nChannel 0: Yep.\n\nChannel 1: passive investment portfolio can be a little bit more cost. It can also show you that you're taking a little bit less risk in the market and can perform greater than active management over the longer term as well. And one of the big things\n\nChannel 0: Yep.\n\nChannel 1: we do is we have lots of different investments in there because we're diversifying not just over one manager or one style of investment, but over different investment classes, the asset classes, asset managers, also different countries as well, as well as having those high risk and low risk investments. Does that make sense?\n\nChannel 0: Yeah. Yeah. Yeah. Yep.\n\nChannel 1: Yeah. Did you want me to look at more of a passive lower risk way of investing for you, or are you more comfortable having a little bit of active management in there at the moment? What would you like to sort of see?\n\nChannel 0: Oh, I don't know.\n\nChannel 1: That's okay.\n\nChannel 0: I think it's been okay the way it is, so that's that's a little bit more risk. Is that right? Yeah?\n\nChannel 1: Generally speaking, it can be. Yeah. Not always, but it can be depending on sort of what you do have in there.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. There is another option depending on if you're open to looking at it or not.\n\nChannel 0: Yeah.\n\nChannel 1: We do have our own separately managed account, which we have built over the past couple of months with utilizing BlackRock, which is one of Australia's largest investment firms. Utilizing the way you see your investments at the moment. So do you log in to hub 24 and have a look at those on a regular basis? Do you like that you can see\n\nChannel 0: Yeah.\n\nChannel 1: all the investments noted there?\n\nChannel 0: Yeah. I do see. I do log in and do that. Yep.\n\nChannel 1: Yeah. So if we were to look at maybe this SMS as such, when you log in, all you would see is essentially the SMA with your funds. You can obviously see and we can send you reports with the underlying, but you don't see all the individual investments there like you do currently. You would just\n\nChannel 0: Right.\n\nChannel 1: see\n\nChannel 0: Okay.\n\nChannel 1: the overview SMA and how much you have invested essentially. The\n\nChannel 0: Right.\n\nChannel 1: benefit of having that kind of product is that with all the underlyings, our investments are same as what you have here at the moment. We might have a lot more. We can have anywhere from, say, 10 to 20 to 50 different investment options there. But the main benefit\n\nChannel 0: Yes.\n\nChannel 1: of that sort of product is that it gives us a lot more control. So like with Bandalong at the moment, we haven't been able to swap that out just yet because we have to talk to you first and make sure you're comfortable\n\nChannel 0: Yeah.\n\nChannel 1: with us updating the advice. But\n\nChannel 0: Yep.\n\nChannel 1: with the SMA products, because we have more control, we can actually, say, swap out investments without much quicker without having to make\n\nChannel 0: Yep.\n\nChannel 1: the phone call, without having to update the advice for you. So the investments which is more regular, they're more in line with what's happening in the market and how the investment committee see changes occurring. So it just\n\nChannel 0: Yep.\n\nChannel 1: comes down to what your preference is. Are you more comfortable looking at something like that, which maybe gives us more control around altering the investments for you, or\n\nChannel 0: Yeah. I\n\nChannel 1: would\n\nChannel 0: think\n\nChannel 1: you like\n\nChannel 0: so.\n\nChannel 1: to see\n\nChannel 0: Yeah.\n\nChannel 1: more of the investments there?\n\nChannel 0: Yeah. No. I like the first option, like you said.\n\nChannel 1: The first one?\n\nChannel 0: Yeah. You having access to, you know, easier\n\nChannel 1: Mhmm.\n\nChannel 0: to make changes if needed. Yeah.\n\nChannel 1: Yep. Perfect. Well, I can definitely have a look at the SMA product there for you. I can keep it in that growth environment. So still keeping that 8080% in growth investments and 20% defensive so you still have that split.\n\nI'm just looking at blending those estimates together and do the research there to see if that's gonna provide a benefit to you. Okay?\n\nChannel 0: Okay. Yep. So\n\nChannel 1: Yeah.\n\nChannel 0: does that mean I don't I go from am I still have '24, or does that move\n\nChannel 1: Yeah.\n\nChannel 0: to something different party\n\nChannel 1: No. It\n\nChannel 0: still?\n\nChannel 1: still stays within Hub 24. It's just altering\n\nChannel 0: Yes.\n\nChannel 1: the underlying investments, essentially, and possibly the\n\nChannel 0: K.\n\nChannel 1: product, but nothing changes on your end in any way, shape,\n\nChannel 0: Yep.\n\nChannel 1: or form. Okay?\n\nChannel 0: Yep. Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Fantastic.\n\nChannel 0: good.\n\nChannel 1: Well, I'll do the research against just swapping out one or two of the investments against the whole sort of SMA look to see what that looks like for you. We'll make\n\nChannel 0: Yep.\n\nChannel 1: the recommendation if it becomes appropriate. And if it shows, it's gonna put you in a better position as well working towards your goals there. With the\n\nChannel 0: Mhmm.\n\nChannel 1: the two accounts that you have, if you're comfortable, I can look at once I get the additional information, look at whether keeping the money separated is providing a benefit or whether it's better to put it together. I'll look at the cons the tax consequences of withdrawing the money from the from the investment because that's obviously a factor into this as well, making sure that it's not gonna\n\nChannel 0: Yep.\n\nChannel 1: charge you a ton of tax\n\nChannel 0: Yep.\n\nChannel 1: and looking at the benefits of doing so. And I can update the advice to reflect whether we do recommend putting this together or whether we do recommend keeping it separate and how and why does that is this sound okay?\n\nChannel 0: Yeah. That's fine. Yep. Yep.\n\nChannel 1: Yeah. You're you're more than welcome to tell me no at any point. We just wanna make sure we're evolving the advice and making sure things are working right for you at the same time.\n\nChannel 0: Yeah. Okay. No. That sounds\n\nChannel 1: That\n\nChannel 0: good. If you can research\n\nChannel 1: yeah.\n\nChannel 0: all that and let me know. Yeah.\n\nChannel 1: Yeah. Absolutely. Perfect. Now the other thing I just wanted to sorta ask was, do you have any kind of sorry. Do you have a plan, like an estate planning or a will set up that kinda says what you're wanting to happen to your assets in the event of your passing?\n\nI'm sorry to take it another direction.\n\nChannel 0: No. No. No. Yeah. I do.\n\nChannel 1: Mhmm.\n\nChannel 0: I've got a I've done one of the, like, the online little thing. So what do you offer some sort of option there?\n\nChannel 1: Yep. Well, we just like to make sure we have all the information updated because we part of the part of our advice structure is making sure the estate planning side of thing is completely\n\nChannel 0: Yep.\n\nChannel 1: sorted. So if as long as\n\nChannel 0: Yep.\n\nChannel 1: you have a will and it is up to date and it does reflect your wishes, that's absolutely fine.\n\nChannel 0: Yep.\n\nChannel 1: But we do also like to make sure we are looking at your beneficiary nominations on your account as well. So with your investment account, you can't actually have a beneficiary nomination on this and making sure there is a will in place. So if in the event you would have passed away, essentially,\n\nChannel 0: Yep.\n\nChannel 1: the money from the investment can be directed into the will and then distributed as per your wishes. Otherwise,\n\nChannel 0: Yeah.\n\nChannel 1: everything kinda has to go through probate, which can be a really difficult process on your family. I'm not sure if you've ever had to go through that before. But, essentially,\n\nChannel 0: Okay.\n\nChannel 1: probate, yeah, so probate, it\n\nChannel 0: Yeah.\n\nChannel 1: can\n\nChannel 0: I\n\nChannel 1: be quite\n\nChannel 0: know probate.\n\nChannel 1: difficult. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And it's\n\nChannel 0: Yep.\n\nChannel 1: up to the judge in the court system, which doesn't you know, it means that the money could\n\nChannel 0: Yep.\n\nChannel 1: lend where you don't want it to be. So it gives you a bit more certainty\n\nChannel 0: Yep.\n\nChannel 1: and control around your assets, which is really important.\n\nChannel 0: Okay. Yeah. That sounds\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: That's okay.\n\nChannel 0: Yeah.\n\nChannel 1: With your beneficiaries here now I do have it noted as a binding non lapsing nomination, and you've got down here that you wanted 50% to be paid to either of your to both of your children. So 50% each way. Is\n\nChannel 0: Yep.\n\nChannel 1: that right?\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Yep. Perfect. With that, because they are technically nontax dependent, they are older, did you want me to maybe restructure the estate\n\nChannel 0: Yep.\n\nChannel 1: planning to make a recommendation so that they receive the benefit in the most tax effective way. Because one of the\n\nChannel 0: Yeah.\n\nChannel 1: big things,\n\nChannel 0: Definitely.\n\nChannel 1: whilst your child yeah. Because whilst your children are beneficiaries under legislation, they can be nominated. If in the event you were to pass away, your super and you haven't got any life insurances, but your super is essentially released. But on the taxable component, your children are required to pay tax if it's directed directly to them.\n\nChannel 0: Okay.\n\nChannel 1: Unfortunately, it's hard to get around it. But if we maybe look at offering the nomination, and as long as you have a will drawn up, then you can direct it through to your estate.\n\nChannel 0: Yep.\n\nChannel 1: In your\n\nChannel 0: Yep.\n\nChannel 1: will, you just need to have it directed that you how you want it to be be paid. You can have it done through, like, a trust through your will, and that way, the kids receive the funds. And it does sort of save them paying a little bit of tax. Does that make sense?\n\nChannel 0: Yeah. Yeah. Yeah. Yeah. That sounds\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: Beautiful.\n\nChannel 0: Definitely. Thanks\n\nChannel 1: I can\n\nChannel 0: for\n\nChannel 1: that's okay. I can absolutely, as part of\n\nChannel 0: that.\n\nChannel 1: the advice, also put the estate planning slides in there for you, and we can have a really good look at what to do there. Okay?\n\nChannel 0: Yeah. Yep. Yep. Sounds good.\n\nChannel 1: Perfect.\n\nChannel 0: Okay.\n\nChannel 1: Excellent. Now I will go back, as I said, and do all the research there. I'll send you an email after the call just to try and get some other information there for you. Now I depending on how the research comes back, it may be worthwhile keeping the accounts completely separate. But I just wanted to obviously find out a bit more about what you're after, what your goal was with the funds.\n\nDo you have any sort of large holidays planned before the age of 65 that you think you might want some large sums of money for? Do you plan on going to The UK or anything like that?\n\nChannel 0: Yeah. I will be.\n\nChannel 1: Yep.\n\nChannel 0: I try and save my, you know, my wage and what I earn, so that sort of\n\nChannel 1: Yep.\n\nChannel 0: stuff. So\n\nChannel 1: Yep.\n\nChannel 0: so I've had a couple of holidays the last few years to UK and Europe and stuff. So I don't usually I think I did access 10,000 in 2020\n\nChannel 1: Yep.\n\nChannel 0: 4,\n\nChannel 1: Yep.\n\nChannel 0: so towards that. But, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: I don't think so. I'll try not\n\nChannel 1: No.\n\nChannel 0: to touch it.\n\nChannel 1: No. That's okay. That's completely fine. I just wanted\n\nChannel 0: Yeah.\n\nChannel 1: to make sure\n\nChannel 0: I know.\n\nChannel 1: I take that\n\nChannel 0: Yeah.\n\nChannel 1: sort of thing into account because, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: if there was a point where we take something out of out of the investment to put into the super, that\n\nChannel 0: Yes.\n\nChannel 1: does sort of stop you\n\nChannel 0: Accessing.\n\nChannel 1: from\n\nChannel 0: K.\n\nChannel 1: accessing that certain amount of money. So I just wanted to sort of find out and gauge where there might be a need to keep some money back or if you wanted\n\nChannel 0: Yep.\n\nChannel 1: a bit of a buffer. Like, I know you have your own business and things like that, but did you wanna\n\nChannel 0: Yep.\n\nChannel 1: keep, like, a certain amount in an investment account to have as a buffer as a bit of a backup?\n\nChannel 0: Yeah. That could be an option, though. As\n\nChannel 1: Yep.\n\nChannel 0: long as it's it's gonna keep making money too as much\n\nChannel 1: Yeah.\n\nChannel 0: as yeah. Obviously.\n\nChannel 1: Yep. Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: okay. Not a\n\nChannel 0: Yep.\n\nChannel 1: problem at all. What I can do is I can go back and do a bit of research there for you. This is quite a large plan, a lot of research to conduct, so it will take a few weeks to put that together.\n\nChannel 0: Yeah. That's\n\nChannel 1: But we can come back, and I can go through the recommendations. I can let you know what we've recommended, how and why,\n\nChannel 0: good.\n\nChannel 1: and then\n\nChannel 0: Yep.\n\nChannel 1: go through the advantages, disadvantages, the risks involved. And then you get to have a look at that and decide whether you wanna take all the advice, some of it or none of it at all. That's completely up to you. Okay.\n\nChannel 0: Okay. Sounds good. Yep.\n\nChannel 1: Excellent. Perfect.\n\nChannel 0: Alright. So you'll\n\nChannel 1: Is\n\nChannel 0: you'll\n\nChannel 1: yeah.\n\nChannel 0: you'll send me through the myGov thing to\n\nChannel 1: Absolutely.\n\nChannel 0: access that? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: What I'll do is I'll send you through an email just kind of recapping what we've discussed just to kinda give you an idea of what we've gone through, make sure that there's nothing that's been missed, allow you to ask any additional questions that you might have, or if you can tell me, hey. No. That's actually wrong. I don't really wanna do that anymore. That's okay.\n\nAnd then I'll also just send through the details with the myGov there. If you can grab that information for me, that would be fabulous, and we can have a look at what to do and how this works for you and do all that research best.\n\nChannel 0: Okay.\n\nChannel 1: Okay?\n\nChannel 0: Okay. Excellent. Thank you.\n\nChannel 1: My pleasure, Bronwyn. Thank you so much\n\nChannel 0: Okay.\n\nChannel 1: for calling me back.\n\nChannel 0: No. That's okay. Thanks for that. Sorry for the yeah.\n\nChannel 1: No. You honestly\n\nChannel 0: For missing\n\nChannel 1: have nothing\n\nChannel 0: it.\n\nChannel 1: to apologize\n\nChannel 0: Yeah.\n\nChannel 1: for. I work on your time, and it's not a problem\n\nChannel 0: Yep.\n\nChannel 1: in any way, shape, or form. Okay?\n\nChannel 0: Okay. Great. Alright. No worries. We'll talk to you within the next few weeks.\n\nYep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Thank you so much. If there's anything you'd\n\nChannel 0: Okay.\n\nChannel 1: just wanted, I'll make sure I come back. But, yeah, once you\n\nChannel 0: Yep.\n\nChannel 1: get the email from me, hopefully, today or\n\nChannel 0: Yep.\n\nChannel 1: tomorrow, if you can just reply back it doesn't have to be urgent. Just whenever you're available because\n\nChannel 0: Yep.\n\nChannel 1: I know you are very busy, and I'll get\n\nChannel 0: Okay.\n\nChannel 1: cracking on that research there for you. Okay?\n\nChannel 0: Alright. Sounds good. No worries.\n\nChannel 1: Thank\n\nChannel 0: Thanks for\n\nChannel 1: thank\n\nChannel 0: that.\n\nChannel 1: you so much.\n\nChannel 0: Okay.\n\nChannel 1: No worries at all. Have a good afternoon.\n\nChannel 0: Thank you. You too. Bye.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Welcome to HP Financial.","start":1.92,"end":3.28,"sentiment":"neutral","sentiment_score":0.19460288807749748},{"text":"This is Jacob speaking.","start":3.28,"end":4.5,"sentiment":"neutral","sentiment_score":0.14090384915471077}],"sentiment":"neutral","sentiment_score":0.16775336861610413,"channel":1,"num_words":8,"start":1.92,"end":4.5},{"sentences":[{"text":"Yeah.","start":5.7599998,"end":6.0,"sentiment":"neutral","sentiment_score":0.05324136465787888},{"text":"Hi there.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.028393054381012917},{"text":"I was just wondering if I could speak to Dana.","start":6.3199997,"end":9.059999,"sentiment":"neutral","sentiment_score":0.007555327843874693}],"sentiment":"neutral","sentiment_score":0.014275442450665511,"channel":0,"num_words":13,"start":5.7599998,"end":9.059999},{"sentences":[{"text":"To Dana?","start":10.16,"end":10.719999,"sentiment":"neutral","sentiment_score":0.010273274034261703},{"text":"Yeah.","start":10.719999,"end":11.04,"sentiment":"neutral","sentiment_score":0.003698001615703106},{"text":"What was your full name?","start":11.04,"end":12.08,"sentiment":"neutral","sentiment_score":-0.0027778966352343558},{"text":"Sorry.","start":12.08,"end":12.315,"sentiment":"neutral","sentiment_score":-0.0705447793006897}],"sentiment":"neutral","sentiment_score":-0.006687745865848329,"channel":1,"num_words":9,"start":10.16,"end":12.315},{"sentences":[{"text":"It's Bronwyn Ecklund.","start":13.425,"end":14.705,"sentiment":"neutral","sentiment_score":-0.025845535720388096},{"text":"I think I missed a call from her.","start":14.705,"end":17.045,"sentiment":"neutral","sentiment_score":-0.19834823720157146},{"text":"I think I had a meeting.","start":17.585,"end":18.805,"sentiment":"neutral","sentiment_score":-0.1292559194068114},{"text":"Sorry.","start":18.945,"end":19.445,"sentiment":"neutral","sentiment_score":-0.07078094780445099}],"sentiment":"neutral","sentiment_score":-0.13947994272328085,"channel":0,"num_words":18,"start":13.425,"end":19.445},{"sentences":[{"text":"Oh, okay.","start":20.154999,"end":20.634998,"sentiment":"neutral","sentiment_score":0.0003275657072663307},{"text":"You have one booked today?","start":20.634998,"end":22.015,"sentiment":"neutral","sentiment_score":0.006849983148276806}],"sentiment":"neutral","sentiment_score":0.0049864353079880986,"channel":1,"num_words":7,"start":20.154999,"end":22.015},{"sentences":[{"text":"Yeah.","start":22.705,"end":23.105,"sentiment":"neutral","sentiment_score":-0.003933808766305447},{"text":"03:00, and I forgot.","start":23.105,"end":24.645,"sentiment":"neutral","sentiment_score":-0.029232568573206663},{"text":"And yeah.","start":24.705,"end":25.505,"sentiment":"neutral","sentiment_score":-0.013900108635425568},{"text":"So I'm just returning","start":25.505,"end":26.545,"sentiment":"neutral","sentiment_score":-0.014123707544058561}],"sentiment":"neutral","sentiment_score":-0.01865083004601977,"channel":0,"num_words":11,"start":22.705,"end":26.545},{"sentences":[{"text":"Okay.","start":26.235,"end":26.735,"sentiment":"neutral","sentiment_score":-0.003211129456758499}],"sentiment":"neutral","sentiment_score":-0.003211129456758499,"channel":1,"num_words":1,"start":26.235,"end":26.735},{"sentences":[{"text":"her call.","start":26.545,"end":27.285,"sentiment":"neutral","sentiment_score":-0.011409171391278505}],"sentiment":"neutral","sentiment_score":-0.011409171391278505,"channel":0,"num_words":2,"start":26.545,"end":27.285},{"sentences":[{"text":"No.","start":27.56,"end":27.8,"sentiment":"neutral","sentiment_score":-0.03767843544483185}],"sentiment":"neutral","sentiment_score":-0.03767843544483185,"channel":1,"num_words":1,"start":27.56,"end":27.8},{"sentences":[{"text":"Yes.","start":27.63,"end":28.13,"sentiment":"neutral","sentiment_score":0.026366641744971275}],"sentiment":"neutral","sentiment_score":0.026366641744971275,"channel":0,"num_words":1,"start":27.63,"end":28.13},{"sentences":[{"text":"That's alright, Bronwyn.","start":27.8,"end":28.859999,"sentiment":"neutral","sentiment_score":0.09116441756486893},{"text":"No worries.","start":28.92,"end":29.4,"sentiment":"neutral","sentiment_score":0.06823120079934597},{"text":"Were you still able to do that call now?","start":29.4,"end":31.42,"sentiment":"neutral","sentiment_score":0.05780441272589895}],"sentiment":"neutral","sentiment_score":0.0664425263447421,"channel":1,"num_words":14,"start":27.8,"end":31.42},{"sentences":[{"text":"Yeah.","start":32.03,"end":32.27,"sentiment":"neutral","sentiment_score":0.12947198748588562},{"text":"If she's available, that'd be good.","start":32.27,"end":34.29,"sentiment":"neutral","sentiment_score":0.22760403156280518}],"sentiment":"neutral","sentiment_score":0.21358516812324524,"channel":0,"num_words":7,"start":32.03,"end":34.29},{"sentences":[{"text":"Yeah.","start":34.52,"end":34.92,"sentiment":"neutral","sentiment_score":0.15941199660301208},{"text":"Absolutely.","start":34.92,"end":35.42,"sentiment":"neutral","sentiment_score":0.22005866467952728},{"text":"No worries.","start":35.48,"end":35.96,"sentiment":"neutral","sentiment_score":0.1914389729499817},{"text":"I'll just bring up your profile really quick.","start":35.96,"end":39.34,"sentiment":"neutral","sentiment_score":0.17730393633246422},{"text":"Just bear with me.","start":39.8,"end":40.76,"sentiment":"neutral","sentiment_score":0.08471016399562359}],"sentiment":"neutral","sentiment_score":0.15747629711404443,"channel":1,"num_words":16,"start":34.52,"end":40.76},{"sentences":[{"text":"Sorry.","start":40.76,"end":41.26,"sentiment":"neutral","sentiment_score":0.0786096453666687},{"text":"Cool, Bronwyn.","start":44.325,"end":45.225,"sentiment":"neutral","sentiment_score":0.24969736486673355},{"text":"I'll just run you through a quick security.","start":45.285,"end":46.965,"sentiment":"neutral","sentiment_score":0.21878751181066036},{"text":"So I'll just get you to confirm your date of birth and current address for me, please.","start":46.965,"end":51.145,"sentiment":"neutral","sentiment_score":0.1457468420267105}],"sentiment":"neutral","sentiment_score":0.17164288514426776,"channel":1,"num_words":28,"start":40.76,"end":51.145},{"sentences":[{"text":"Alright.","start":50.955,"end":51.455,"sentiment":"neutral","sentiment_score":0.058821551501750946},{"text":"Date of birth is the '69,","start":52.075,"end":54.895,"sentiment":"neutral","sentiment_score":0.05436672456562519}],"sentiment":"neutral","sentiment_score":0.05500312841364315,"channel":0,"num_words":7,"start":50.955,"end":54.895},{"sentences":[{"text":"Yep.","start":55.285,"end":55.59,"sentiment":"neutral","sentiment_score":0.06022867187857628}],"sentiment":"neutral","sentiment_score":0.06022867187857628,"channel":1,"num_words":1,"start":55.285,"end":55.59},{"sentences":[{"text":"and address is 4 Slash 12 Copest Court, Queensland, Holywell 4216.","start":56.26,"end":62.68,"sentiment":"neutral","sentiment_score":0.06879880414767699}],"sentiment":"neutral","sentiment_score":0.06879880414767699,"channel":0,"num_words":11,"start":56.26,"end":62.68},{"sentences":[{"text":"Beautiful.","start":63.11,"end":63.59,"sentiment":"positive","sentiment_score":0.6961157321929932},{"text":"Thanks for that one, Bronwyn.","start":63.59,"end":64.89,"sentiment":"positive","sentiment_score":0.7332675218582153},{"text":"I'll pop you on a quick hold.","start":65.11,"end":66.47,"sentiment":"positive","sentiment_score":0.5185051602976662},{"text":"And if Dana's available, she'll be the next person you speak with.","start":66.47,"end":69.375,"sentiment":"neutral","sentiment_score":0.2851318046450615}],"sentiment":"positive","sentiment_score":0.45654284477233886,"channel":1,"num_words":25,"start":63.11,"end":69.375},{"sentences":[{"text":"No worries.","start":69.86,"end":70.395,"sentiment":"neutral","sentiment_score":0.19785671681165695},{"text":"Thank you.","start":70.475,"end":71.215,"sentiment":"positive","sentiment_score":0.36748042702674866}],"sentiment":"neutral","sentiment_score":0.2826685719192028,"channel":0,"num_words":4,"start":69.86,"end":71.215},{"sentences":[{"text":"Okay.","start":70.895,"end":71.215,"sentiment":"neutral","sentiment_score":0.2621420621871948},{"text":"Thanks, Bronwyn.","start":71.215,"end":72.035,"sentiment":"positive","sentiment_score":0.4566540867090225}],"sentiment":"positive","sentiment_score":0.39181674520174664,"channel":1,"num_words":3,"start":70.895,"end":72.035},{"sentences":[{"text":"Thanks.","start":72.55499,"end":73.05499,"sentiment":"positive","sentiment_score":0.4657405614852905}],"sentiment":"positive","sentiment_score":0.4657405614852905,"channel":0,"num_words":1,"start":72.55499,"end":73.05499},{"sentences":[{"text":"Welcome to Oakview Financial.","start":78.815,"end":80.675,"sentiment":"neutral","sentiment_score":0.31309711188077927},{"text":"At Oakview Financial, we use an innovative model.","start":81.215,"end":84.595,"sentiment":"neutral","sentiment_score":0.30476587265729904},{"text":"Good afternoon.","start":85.829994,"end":86.46999,"sentiment":"neutral","sentiment_score":0.3029172867536545},{"text":"This is Dana.","start":86.46999,"end":87.28999,"sentiment":"neutral","sentiment_score":0.2097539802392324}],"sentiment":"neutral","sentiment_score":0.2897418790003833,"channel":1,"num_words":17,"start":78.815,"end":87.28999},{"sentences":[{"text":"Hi, Dana.","start":87.96,"end":88.68,"sentiment":"neutral","sentiment_score":0.14142920076847076},{"text":"It's Anne Brumwin.","start":88.68,"end":89.58,"sentiment":"neutral","sentiment_score":0.12966753045717874},{"text":"I","start":90.0,"end":90.5,"sentiment":"neutral","sentiment_score":0.13220509886741638}],"sentiment":"neutral","sentiment_score":0.13401101529598236,"channel":0,"num_words":6,"start":87.96,"end":90.5},{"sentences":[{"text":"Hi.","start":90.39,"end":90.71,"sentiment":"neutral","sentiment_score":0.16295704245567322},{"text":"How are you?","start":90.71,"end":91.689995,"sentiment":"neutral","sentiment_score":0.19457357625166574}],"sentiment":"neutral","sentiment_score":0.18666944280266762,"channel":1,"num_words":4,"start":90.39,"end":91.689995},{"sentences":[{"text":"hi.","start":91.56,"end":91.96,"sentiment":"neutral","sentiment_score":0.1327647566795349},{"text":"How are you?","start":91.96,"end":92.78,"sentiment":"neutral","sentiment_score":0.18999642630418143}],"sentiment":"neutral","sentiment_score":0.1756885088980198,"channel":0,"num_words":4,"start":91.56,"end":92.78},{"sentences":[{"text":"I'm very well.","start":93.27,"end":93.99,"sentiment":"positive","sentiment_score":0.4459785719712575},{"text":"Thank you.","start":93.99,"end":94.39,"sentiment":"positive","sentiment_score":0.4711574912071228},{"text":"How's your day been?","start":94.39,"end":95.689995,"sentiment":"neutral","sentiment_score":0.22234969586133957}],"sentiment":"positive","sentiment_score":0.3521832757525974,"channel":1,"num_words":9,"start":93.27,"end":95.689995},{"sentences":[{"text":"Yeah.","start":96.075005,"end":96.395004,"sentiment":"neutral","sentiment_score":0.01465337723493576},{"text":"Busy.","start":96.395004,"end":96.895004,"sentiment":"neutral","sentiment_score":-0.015281306579709051},{"text":"Sorry I missed your 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guess.","start":842.51996,"end":846.54,"sentiment":"neutral","sentiment_score":-0.006845433916896582},{"text":"Yeah.","start":846.6,"end":847.1,"sentiment":"neutral","sentiment_score":0.023579059168696404}],"sentiment":"neutral","sentiment_score":-0.004079570909115401,"channel":0,"num_words":11,"start":842.51996,"end":847.1},{"sentences":[{"text":"Yeah.","start":847.0,"end":847.5,"sentiment":"neutral","sentiment_score":0.03761434182524681},{"text":"Yeah.","start":847.72003,"end":848.2,"sentiment":"neutral","sentiment_score":0.08062444627285004},{"text":"Perfect.","start":848.2,"end":848.7,"sentiment":"neutral","sentiment_score":0.17889618873596191},{"text":"No.","start":849.32,"end":849.56,"sentiment":"neutral","sentiment_score":0.07072180509567261},{"text":"Excellent.","start":849.56,"end":850.06,"sentiment":"neutral","sentiment_score":0.30882757902145386}],"sentiment":"neutral","sentiment_score":0.13533687219023705,"channel":1,"num_words":5,"start":847.0,"end":850.06},{"sentences":[{"text":"I'll have a really good look at what we can do there and have a look at the difference and sort of project it out.","start":851.0,"end":855.56,"sentiment":"neutral","sentiment_score":0.17744475573301316},{"text":"It does take a couple of weeks to kinda come up and have a look at what we can do and do all the research properly for you.","start":855.56,"end":861.125,"sentiment":"neutral","sentiment_score":0.13655706734529563},{"text":"But once I do have it ready to go, I'll let you know.","start":861.125,"end":863.625,"sentiment":"neutral","sentiment_score":0.1821699606684538},{"text":"And we can definitely go through and have a chat about what the advice is.","start":863.76495,"end":867.20496,"sentiment":"neutral","sentiment_score":0.23767972787221273},{"text":"We'll make the recommendations there for you.","start":867.20496,"end":869.46,"sentiment":"neutral","sentiment_score":0.21539423082556045}],"sentiment":"neutral","sentiment_score":0.17841911138120023,"channel":1,"num_words":88,"start":851.0,"end":869.46},{"sentences":[{"text":"And then it's up to you whether you take on all of them, some of them, or none of them at all.","start":869.86005,"end":873.78,"sentiment":"neutral","sentiment_score":0.07195357453416694},{"text":"Is that okay?","start":873.78,"end":874.68,"sentiment":"neutral","sentiment_score":0.09509557237227757}],"sentiment":"neutral","sentiment_score":0.07473061427474022,"channel":1,"num_words":25,"start":869.86005,"end":874.68},{"sentences":[{"text":"Yeah.","start":875.21,"end":875.61,"sentiment":"neutral","sentiment_score":0.2034490704536438},{"text":"Sounds 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there.","start":877.7,"end":883.86005,"sentiment":"neutral","sentiment_score":-0.0665760308673436},{"text":"It does look like you're in more of a growth portfolio.","start":883.86005,"end":886.375,"sentiment":"neutral","sentiment_score":-0.05153127082369544},{"text":"So, realistically, I just wanted to run through a bit of a risk profile analysis with you.","start":886.515,"end":891.15497,"sentiment":"neutral","sentiment_score":0.04163900729926193},{"text":"Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels.","start":891.15497,"end":897.71497,"sentiment":"neutral","sentiment_score":-0.0004685776881300486},{"text":"Because as your balance gets higher in these sorts of accounts, smaller changes to your, to smaller fluctuations or smaller changes to the investments make a bigger difference on a higher balance.","start":897.71497,"end":909.72003,"sentiment":"neutral","sentiment_score":-0.022830064641311765}],"sentiment":"neutral","sentiment_score":-0.019133320578408462,"channel":1,"num_words":108,"start":877.7,"end":909.72003},{"sentences":[{"text":"So it's something that as your balance grows, you tend to notice a little bit more.","start":909.72003,"end":913.82,"sentiment":"neutral","sentiment_score":-0.031633309146855026}],"sentiment":"neutral","sentiment_score":-0.031633309146855026,"channel":1,"num_words":16,"start":909.72003,"end":913.82},{"sentences":[{"text":"Okay.","start":914.065,"end":914.565,"sentiment":"neutral","sentiment_score":0.027330797165632248}],"sentiment":"neutral","sentiment_score":0.027330797165632248,"channel":0,"num_words":1,"start":914.065,"end":914.565},{"sentences":[{"text":"I've 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level.","start":918.895,"end":925.455,"sentiment":"neutral","sentiment_score":0.031116628812419042},{"text":"Okay?","start":925.455,"end":925.955,"sentiment":"neutral","sentiment_score":0.0413828119635582},{"text":"Yep.","start":927.215,"end":927.715,"sentiment":"neutral","sentiment_score":0.09326829016208649}],"sentiment":"neutral","sentiment_score":0.03274927850669393,"channel":1,"num_words":52,"start":914.815,"end":927.715},{"sentences":[{"text":"Thanks.","start":928.255,"end":928.755,"sentiment":"neutral","sentiment_score":0.2701120972633362},{"text":"The first one here is asking, have you ever invested in direct shares in your own name before now?","start":929.54,"end":933.98,"sentiment":"neutral","sentiment_score":0.028992248061848313},{"text":"I know you do have an investment account with those managed funds and ETFs and things.","start":933.98,"end":938.19995,"sentiment":"neutral","sentiment_score":0.020093850907869637},{"text":"But have you ever owned any direct shares outside 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much.","start":1982.93,"end":1983.7301,"sentiment":"positive","sentiment_score":0.6821911931037903},{"text":"If there's anything you'd","start":1983.7301,"end":1984.53,"sentiment":"neutral","sentiment_score":0.10670950450003147}],"sentiment":"positive","sentiment_score":0.3944503488019109,"channel":1,"num_words":8,"start":1982.93,"end":1984.53},{"sentences":[{"text":"Okay.","start":1984.4149,"end":1984.9149,"sentiment":"neutral","sentiment_score":0.03562483191490173}],"sentiment":"neutral","sentiment_score":0.03562483191490173,"channel":0,"num_words":1,"start":1984.4149,"end":1984.9149},{"sentences":[{"text":"just wanted, I'll make sure I come back.","start":1984.53,"end":1986.37,"sentiment":"neutral","sentiment_score":0.07524409424513578},{"text":"But, yeah, once you","start":1986.37,"end":1987.17,"sentiment":"neutral","sentiment_score":0.0759423729032278}],"sentiment":"neutral","sentiment_score":0.07547685379783313,"channel":1,"num_words":12,"start":1984.53,"end":1987.17},{"sentences":[{"text":"Yep.","start":1987.0549,"end":1987.5549,"sentiment":"neutral","sentiment_score":0.07121051102876663}],"sentiment":"neutral","sentiment_score":0.07121051102876663,"channel":0,"num_words":1,"start":1987.0549,"end":1987.5549},{"sentences":[{"text":"get the email from me, hopefully, today or","start":1987.17,"end":1989.0901,"sentiment":"neutral","sentiment_score":0.1256673578172922}],"sentiment":"neutral","sentiment_score":0.1256673578172922,"channel":1,"num_words":8,"start":1987.17,"end":1989.0901},{"sentences":[{"text":"Yep.","start":1989.0701,"end":1989.5701,"sentiment":"neutral","sentiment_score":0.10827179998159409}],"sentiment":"neutral","sentiment_score":0.10827179998159409,"channel":0,"num_words":1,"start":1989.0701,"end":1989.5701},{"sentences":[{"text":"tomorrow, if you can just reply back it doesn't have to be urgent.","start":1989.0901,"end":1992.365,"sentiment":"neutral","sentiment_score":0.11879147359958062},{"text":"Just whenever you're available because","start":1992.365,"end":1993.885,"sentiment":"neutral","sentiment_score":0.07057982012629509}],"sentiment":"neutral","sentiment_score":0.10539934763477908,"channel":1,"num_words":18,"start":1989.0901,"end":1993.885},{"sentences":[{"text":"Yep.","start":1993.79,"end":1994.29,"sentiment":"neutral","sentiment_score":0.04415244609117508}],"sentiment":"neutral","sentiment_score":0.04415244609117508,"channel":0,"num_words":1,"start":1993.79,"end":1994.29},{"sentences":[{"text":"I know you are very busy, and I'll get","start":1993.885,"end":1995.965,"sentiment":"neutral","sentiment_score":-0.01784202829003334}],"sentiment":"neutral","sentiment_score":-0.01784202829003334,"channel":1,"num_words":9,"start":1993.885,"end":1995.965},{"sentences":[{"text":"Okay.","start":1995.8469,"end":1996.3469,"sentiment":"neutral","sentiment_score":0.012476684525609016}],"sentiment":"neutral","sentiment_score":0.012476684525609016,"channel":0,"num_words":1,"start":1995.8469,"end":1996.3469},{"sentences":[{"text":"cracking on that research there for you.","start":1995.965,"end":1997.725,"sentiment":"neutral","sentiment_score":0.28729782147066935},{"text":"Okay?","start":1997.725,"end":1998.225,"sentiment":"neutral","sentiment_score":0.08218414336442947}],"sentiment":"neutral","sentiment_score":0.26165861170738935,"channel":1,"num_words":8,"start":1995.965,"end":1998.225},{"sentences":[{"text":"Alright.","start":1998.1669,"end":1998.6469,"sentiment":"positive","sentiment_score":0.3544944226741791},{"text":"Sounds good.","start":1998.6469,"end":1999.367,"sentiment":"positive","sentiment_score":0.6647629737854004},{"text":"No worries.","start":1999.367,"end":1999.9269,"sentiment":"positive","sentiment_score":0.38808685541152954}],"sentiment":"positive","sentiment_score":0.4920388162136078,"channel":0,"num_words":5,"start":1998.1669,"end":1999.9269},{"sentences":[{"text":"Thank","start":1999.885,"end":2000.385,"sentiment":"positive","sentiment_score":0.622589111328125}],"sentiment":"positive","sentiment_score":0.622589111328125,"channel":1,"num_words":1,"start":1999.885,"end":2000.385},{"sentences":[{"text":"Thanks for","start":1999.9269,"end":2000.4869,"sentiment":"positive","sentiment_score":0.7269214689731598}],"sentiment":"positive","sentiment_score":0.7269214689731598,"channel":0,"num_words":2,"start":1999.9269,"end":2000.4869},{"sentences":[{"text":"thank","start":2000.445,"end":2000.6849,"sentiment":"positive","sentiment_score":0.7003209590911865}],"sentiment":"positive","sentiment_score":0.7003209590911865,"channel":1,"num_words":1,"start":2000.445,"end":2000.6849},{"sentences":[{"text":"that.","start":2000.4869,"end":2000.9869,"sentiment":"positive","sentiment_score":0.7388718128204346}],"sentiment":"positive","sentiment_score":0.7388718128204346,"channel":0,"num_words":1,"start":2000.4869,"end":2000.9869},{"sentences":[{"text":"you so much.","start":2000.6849,"end":2001.485,"sentiment":"positive","sentiment_score":0.7362331549326578}],"sentiment":"positive","sentiment_score":0.7362331549326578,"channel":1,"num_words":3,"start":2000.6849,"end":2001.485},{"sentences":[{"text":"Okay.","start":2001.367,"end":2001.867,"sentiment":"positive","sentiment_score":0.34440475702285767}],"sentiment":"positive","sentiment_score":0.34440475702285767,"channel":0,"num_words":1,"start":2001.367,"end":2001.867},{"sentences":[{"text":"No worries at all.","start":2001.485,"end":2002.445,"sentiment":"positive","sentiment_score":0.383760504424572},{"text":"Have a good afternoon.","start":2002.445,"end":2003.505,"sentiment":"positive","sentiment_score":0.6482824236154556}],"sentiment":"positive","sentiment_score":0.5160214640200138,"channel":1,"num_words":8,"start":2001.485,"end":2003.505},{"sentences":[{"text":"Thank you.","start":2003.8469,"end":2004.4069,"sentiment":"positive","sentiment_score":0.6838930547237396},{"text":"You too.","start":2004.4069,"end":2004.9669,"sentiment":"positive","sentiment_score":0.42314767837524414},{"text":"Bye.","start":2004.9669,"end":2005.4669,"sentiment":"neutral","sentiment_score":0.31281203031539917}],"sentiment":"positive","sentiment_score":0.5053786993026733,"channel":0,"num_words":5,"start":2003.8469,"end":2005.4669},{"sentences":[{"text":"Thanks.","start":2005.1649,"end":2005.565,"sentiment":"positive","sentiment_score":0.5116462707519531},{"text":"Bye.","start":2005.565,"end":2006.065,"sentiment":"neutral","sentiment_score":0.27181240916252136}],"sentiment":"positive","sentiment_score":0.39172933995723724,"channel":1,"num_words":2,"start":2005.1649,"end":2006.065},{"sentences":[{"text":"Bye.","start":2005.6069,"end":2006.1069,"sentiment":"neutral","sentiment_score":-0.096231147646904}],"sentiment":"neutral","sentiment_score":-0.096231147646904,"channel":0,"num_words":1,"start":2005.6069,"end":2006.1069}]},"summary":{"result":"success","short":"A customer named Bronwyn Ecklund calls HP Financial to discuss his investment account and portfolio. The speaker suggests rethinking his investment account and using funds to move into a tax-efficient environment. They also discuss the benefits of using the myGov account and the importance of updating estate planning and beneficiary nominations. The speaker emphasizes the importance of updating advice and updating estate planning and beneficiary choices for the customer's retirement plans."},"intents":{"segments":[{"text":"What was your full name? Sorry.","start_word":24,"end_word":29,"intents":[{"intent":"Confirm identity","confidence_score":0.0022757265}]},{"text":"So whilst your overall portfolio is still working, when, say, there's one aspect of it that might not be working, it is worth maybe just reevaluating that one investment, maybe swapping it out for something else and seeing what else we can maybe put in this place.","start_word":689,"end_word":735,"intents":[{"intent":"Review portfolio information","confidence_score":0.000023319759}]},{"text":"Obviously, in having an investment account there does mean you can access those funds at a short period of time if you do need to because anything in super is preserved until you retire. At this stage, Yep.","start_word":1035,"end_word":1072,"intents":[{"intent":"Access super funds","confidence_score":0.4842469}]},{"text":"So under the current legislation there, if you choose to retire at the age of 60, then you're able to access your super wholly.","start_word":1363,"end_word":1386,"intents":[{"intent":"Consider retirement options","confidence_score":0.00044135944},{"intent":"Provide advice on retirement eligibility","confidence_score":0.0007879179}]},{"text":"If you go in, I'll send you the steps on how to do that, but the government allows you to utilize catch up contributions over the last five years, which could provide a bit of a tax benefit to you as well. So if you're comfortable sending that through to me, I could utilize that to sort of do the advice up for you and look at what we could maybe do. Okay. Yep.","start_word":2067,"end_word":2140,"intents":[{"intent":"Provide guidance","confidence_score":0.0030171848}]},{"text":"Now the other thing I do have here, I'm so sorry, is we have you looking at both of those portfolios there. It does look like you're in more of a growth portfolio.","start_word":2721,"end_word":2753,"intents":[{"intent":"Discuss portfolios","confidence_score":0.22667249}]},{"text":"So, realistically, I just wanted to run through a bit of a risk profile analysis with you. Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels.","start_word":2755,"end_word":2797,"intents":[{"intent":"Assess risk profile","confidence_score":0.07162151}]},{"text":"I've just Okay. got a bit of a quick risk profile question. It's the same as you would have done over the last couple of years. It's just to sort of reevaluate whether we need to maybe look at changing the portfolios for you as a whole and maybe reduce the risk level. Okay? Yep.","start_word":2846,"end_word":2900,"intents":[{"intent":"Assess portfolio changes","confidence_score":0.07349231},{"intent":"Evaluate portfolio portfolios","confidence_score":0.014712421},{"intent":"Evaluate risk levels","confidence_score":0.0130235655}]},{"text":"The first one here is asking, have you ever invested in direct shares in your own name before now?","start_word":2902,"end_word":2920,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.00050325046},{"intent":"Ask about past investments","confidence_score":0.015685126}]},{"text":"The first one here is asking, have you ever invested in direct shares in your own name before now? I know you do have an investment account with those managed funds and ETFs and things. But have you ever owned any direct shares outside of all of this? Yes. I have.","start_word":2902,"end_word":2952,"intents":[{"intent":"Question if any investments were taken","confidence_score":3.8710912e-8}]},{"text":"The next one here is asking what time horizon you have between now to when you're wanting to access your capital. So between the super and the investment account there, are you sort of hoping to access both of that or all those funds at around about age 65? Did you wanna try and access any of the investment money prior? Possibly.","start_word":2994,"end_word":3055,"intents":[{"intent":"Determine time horizon","confidence_score":0.03658305}]},{"text":"is asking about inflation and, essentially, look at the risk level that you're willing to take.","start_word":3103,"end_word":3118,"intents":[{"intent":"Consider examining inflation","confidence_score":0.000059922208}]},{"text":"Are you feeling a bit more risk averse and wanting to protect your capital a bit more knowing the returns are a bit lower, or do you feel kind of in the middle of both all of the of those? Yes.","start_word":3183,"end_word":3223,"intents":[{"intent":"Evaluate risk-averseness and determine appropriate level of risk","confidence_score":0.0000019666913}]},{"text":"The next one here is asking what reasonable rate of return you're hoping to achieve on a yearly basis over the longer term out of both of those super and your investments. Are you wanting to try and obtain maybe the highest return you can on a yearly basis? Would you be comfortable just getting around six to 8% per year, four to 6% per year, or would you be comfortable with about two to 4% per year?","start_word":3396,"end_word":3473,"intents":[{"intent":"Determine appropriate rate of return for yearly financial plan","confidence_score":8.2410054e-8}]},{"text":"And the next one here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you not wanna borrow for investing at all? No.","start_word":3498,"end_word":3533,"intents":[{"intent":"Discuss investment preferences","confidence_score":0.010150602}]},{"text":"Are you feeling optimistic about the investment opportunities, a bit cautious, a bit concerned, or a bit anxious?","start_word":3591,"end_word":3608,"intents":[{"intent":"Express concern about investment performance","confidence_score":0.000012899787},{"intent":"Discuss investments and outlooks","confidence_score":0.00000948446},{"intent":"Express optimism about investment opportunities","confidence_score":0.0073939133},{"intent":"Assess investment potential","confidence_score":0.024020886}]},{"text":"Now you have scored there as a growth investor. So from what I can see, we do have you in that growth sort of area at the moment. That generally sees about 80% of your super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. And then the Yep.","start_word":3652,"end_word":3707,"intents":[{"intent":"Inquire about growth investors","confidence_score":0.000021892627}]},{"text":"That sort of investment portfolio does suit someone who has at least six years before they're wanting to access their super or even their investment accounts.","start_word":3723,"end_word":3748,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.07124987},{"intent":"Explain investment portfolio portfolio","confidence_score":0.006622004},{"intent":"Describe investment portfolio","confidence_score":0.0018625006}]},{"text":"Now there are other ways to invest as well. So when we look at the portfolios as a whole, there's different ways to invest within a portfolio. One of those consists of having active management, and that is where you invest in managed funds that have the active managers behind the scenes. They're buying and selling within those funds, and they're trying to outperform the market.","start_word":3876,"end_word":3941,"intents":[{"intent":"Discuss portfolio investment options","confidence_score":0.011258559}]},{"text":"Did you want me to look at more of a passive lower risk way of investing for you, or are you more comfortable having a little bit of active management in there at the moment?","start_word":4219,"end_word":4253,"intents":[{"intent":"Evaluate investment options","confidence_score":0.07516009}]},{"text":"Well, I can definitely have a look at the SMA product there for you. I can keep it in that growth environment. So still keeping that 8080% in growth investments and 20% defensive so you still have that split. I'm just looking at blending those estimates together and do the research there to see if that's gonna provide a benefit to you. Okay?","start_word":4723,"end_word":4785,"intents":[{"intent":"Analyze investments","confidence_score":0.05528756}]},{"text":"the two accounts that you have, if you're comfortable, I can look at once I get the additional information, look at whether keeping the money separated is providing a benefit or whether it's better to put it together.","start_word":4916,"end_word":4953,"intents":[{"intent":"Evaluate account separation and tax consequences","confidence_score":0.000007782216},{"intent":"Evaluate the potential potential benefits of separate accounts","confidence_score":8.6200316e-7}]},{"text":"And I can update the advice to reflect whether we do recommend putting this together or whether we do recommend keeping it separate and how and why does that is this sound okay? Yeah.","start_word":5001,"end_word":5034,"intents":[{"intent":"Update advice and provide information","confidence_score":0.0015784681}]},{"text":"Do you have a plan, like an estate planning or a will set up that kinda says what you're wanting to happen to your assets in the event of your passing?","start_word":5114,"end_word":5144,"intents":[{"intent":"Evaluate the opportunity for estate planning","confidence_score":0.0000072051253}]},{"text":"everything kinda has to go through probate, which can be a really difficult process on your family.","start_word":5320,"end_word":5336,"intents":[{"intent":"Conduct probate","confidence_score":0.0014876173}]},{"text":"With that, because they are technically nontax dependent, they are older, did you want me to maybe restructure the estate Yep. planning to make a recommendation so that they receive the benefit in the most tax effective way.","start_word":5473,"end_word":5510,"intents":[{"intent":"Restructure estate","confidence_score":0.6007881}]},{"text":"planning to make a recommendation so that they receive the benefit in the most tax effective way.","start_word":5494,"end_word":5510,"intents":[{"intent":"Make a recommendation","confidence_score":0.019778082}]},{"text":"Unfortunately, it's hard to get around it. But if we maybe look at offering the nomination, and as long as you have a will drawn up, then you can direct it through to your estate.","start_word":5578,"end_word":5612,"intents":[{"intent":"Direct money","confidence_score":0.25574687},{"intent":"Direct money to estate","confidence_score":0.004839895}]},{"text":"You can have it done through, like, a trust through your will, and that way, the kids receive the funds. And it does sort of save them paying a little bit of tax. Does that make sense? Yeah.","start_word":5636,"end_word":5673,"intents":[{"intent":"Educate about funds","confidence_score":0.0017171209}]},{"text":"That's But we can come back, and I can go through the recommendations. I can let you know what we've recommended, how and why, good. and then Yep. go through the advantages, disadvantages, the risks involved. And then you get to have a look at that and decide whether you wanna take all the advice, some of it or none of it at all. That's completely up to you. Okay.","start_word":6125,"end_word":6194,"intents":[{"intent":"Review recommendations","confidence_score":0.017161718}]}]},"sentiments":{"segments":[{"text":"Welcome to HP Financial. This is Jacob speaking. Yeah. Hi there. I was just wondering if I could speak to Dana. To Dana? Yeah. What was your full name? Sorry. It's Bronwyn Ecklund. I think I missed a call from her. I think I had a meeting. Sorry. Oh, okay. You have one booked today? Yeah. 03:00, and I forgot. And yeah. So I'm just returning Okay. her call. No. Yes. That's alright, Bronwyn. No worries. Were you still able to do that call now? Yeah. If she's available, that'd be good. Yeah. Absolutely. No worries. I'll just bring up your profile really quick. Just bear with me. Sorry. Cool, Bronwyn. I'll just run you through a quick security. So I'll just get you to confirm your date of birth and current address for me, please. Alright. Date of birth is the '69, Yep. and address is 4 Slash 12 Copest Court, Queensland, Holywell 4216.","start_word":0,"end_word":154,"sentiment":"neutral","sentiment_score":0.06604594737291336},{"text":"Beautiful. Thanks for that one, Bronwyn. I'll pop you on a quick hold.","start_word":155,"end_word":167,"sentiment":"positive","sentiment_score":0.6120254993438721},{"text":"And if Dana's available, she'll be the next person you speak with. No worries.","start_word":168,"end_word":181,"sentiment":"neutral","sentiment_score":0.27499645948410034},{"text":"Thank you.","start_word":182,"end_word":183,"sentiment":"positive","sentiment_score":0.35176607966423035},{"text":"Okay.","start_word":184,"end_word":184,"sentiment":"neutral","sentiment_score":0.2621420621871948},{"text":"Thanks, Bronwyn. Thanks.","start_word":185,"end_word":187,"sentiment":"positive","sentiment_score":0.4475632905960083},{"text":"Welcome to Oakview Financial. At Oakview Financial, we use an innovative model. Good afternoon. This is Dana. Hi, Dana. It's Anne Brumwin. I Hi. How are you? hi. How are you?","start_word":188,"end_word":218,"sentiment":"neutral","sentiment_score":0.2173653542995453},{"text":"I'm very well. Thank you.","start_word":219,"end_word":223,"sentiment":"positive","sentiment_score":0.4435073435306549},{"text":"How's your day been? Yeah. Busy. Sorry I missed your call. I was in a meeting, That's but I can not talk now if you've got this wrong, I or do. we can reschedule. No. No. Yep. That's okay.","start_word":224,"end_word":262,"sentiment":"neutral","sentiment_score":-0.0979427844285965},{"text":"I work on your time, so it's absolutely not a problem at all.","start_word":263,"end_word":275,"sentiment":"positive","sentiment_score":0.35160309076309204},{"text":"I'll try to keep it fairly brief there for you there, Bronwyn. Essentially, when you did your annual review the other week with my colleague, Michelle, she kinda went through your portfolio with you and noted that whilst you had had a fairly good return in both your super and your investments, and some of the investments might need to be reevaluated. Do you remember going through that call with her? Yes. Yes. I do. Yeah. Yep.","start_word":276,"end_word":352,"sentiment":"neutral","sentiment_score":0.05975864776833491},{"text":"Beautiful.","start_word":353,"end_word":353,"sentiment":"positive","sentiment_score":0.41388559341430664},{"text":"Was that was that the stupid side of it? Is that correct? I yeah. So the super Yes. and the investment, I believe. I've Okay. had a really good review of your portfolio before the call to sorta have a look at what we can do.","start_word":354,"end_word":399,"sentiment":"neutral","sentiment_score":0.11156903207302094},{"text":"Now, look, having a look at both of those, you do have a good amount of money in there, so it is making a good return. You have still had in your super over the last twelve months about 11% return.","start_word":400,"end_word":440,"sentiment":"positive","sentiment_score":0.44347137212753296},{"text":"And then in the investment account there, you have also had a 12% return. So it's not bad by any means, but there are one of Yeah. the investments in there is sort of underperforming a little bit, and we wanted to maybe look at reviewing that to see if there's something better there because we don't want one investment to kinda hold back the rest of your portfolio, especially with the balance that you have. Yep. Okay? Okay. Having a look, Bennelong is your Australian equities component, and you have that investment in both your super and your under and your investment account. Sorry. So when what sort Okay. of happened with them as an investment is as of kind of last November, one of their underlying investments, Corporate Traveler, had some had been a bit dishonest to the market, wasn't actually reporting correctly to their investors, and that have been caught out in around that mid November, early December there. They had had a bit of a trading halt, and it meant that Bennelong had to go back and and, yeah, review that part of their investment. They had to analyze it and had to revalue it. And as of as a whole, it's essentially meant that Bennelong has had to be reevaluated as well. So within your portfolio, that one investment is down pretty significantly. It's down in your individual investment by about 17%, and in your super, Right. it's down again by about 17%. So whilst your overall portfolio is still working, when, say, there's one aspect of it that might not be working, it is worth maybe just reevaluating that one investment, maybe swapping it out for something else and seeing what else we can maybe put in this place. Are you comfortable with us Yep. going back and doing that? Yeah. That's fine. Yep. Yep. Yeah?","start_word":441,"end_word":752,"sentiment":"neutral","sentiment_score":-0.1582455535252125},{"text":"Beautiful. We wanna make sure your whole portfolio is working for you, not just part of it.","start_word":753,"end_word":769,"sentiment":"positive","sentiment_score":0.5025468468666077},{"text":"So it might Yeah. Yeah. just be I worth just having a look at that now.","start_word":770,"end_word":785,"sentiment":"neutral","sentiment_score":0.22457130253314972},{"text":"Easy done.","start_word":786,"end_word":787,"sentiment":"positive","sentiment_score":0.4501892030239105},{"text":"When Okay. we do sort of look at the the two different investment options you have, so with your investment account, you've got a really good balance in there. Is there any particular what's your sort of long term goal with regard to that investment account? What are you sort of building the funds for? Is it just to have as an emergency, or is it more just to fall back on in retirement? Or Yeah. It's sort of emergency and more probably more retirement. So yep. I don't, you know, I just wanna yeah. I got it sort of for later on if I can. Yeah. Yeah. Yeah. That's okay. And you're happy leaving it in the investment account at the moment? Yeah. Yeah. I think so. If it's doing Yep. Yep. doing well. So Yeah. yeah. If Well, it's doing the benefit the best. to having Yeah. it there is that you you can access those funds if you do need to, so it's not a bad thing Yeah. to do. However, if you wanted to look at down the track maybe what to do with the funds, we can also look at other ways to utilize them.","start_word":788,"end_word":987,"sentiment":"neutral","sentiment_score":0.10052967071533205},{"text":"So, yeah, we just wanna make sure that it's all working for you the way it is at the moment.","start_word":988,"end_word":1007,"sentiment":"positive","sentiment_score":0.3344552218914032},{"text":"So what are the other ways to utilize it? Well, depending on what you wanted to do, we can look at ways to put it into super. Obviously, in having an investment account there does mean you can access those funds at a short period of time if you do need to because anything in super is preserved until you retire. At this stage, Yep. the earliest accessing date is age 60.","start_word":1008,"end_word":1079,"sentiment":"neutral","sentiment_score":0.14690362196415663},{"text":"But there are benefits to putting more money into super as well, having it sort of in a tax effective environment.","start_word":1080,"end_word":1100,"sentiment":"positive","sentiment_score":0.4830712676048279},{"text":"We could always look at, you know, what your income is. Is putting some more money into super gonna be more tax effective for you? Because I know your income you're self employed, aren't you? Yeah. Well, I was yeah. I have my own business. Yep. Yeah. Yeah. So there are definitely other ways if you wanted to look at doing that. But if you prefer to have the money kind of at hand Okay.","start_word":1101,"end_word":1175,"sentiment":"neutral","sentiment_score":0.1505199670791626},{"text":"in the investment account, then that's absolutely fine as well.","start_word":1176,"end_word":1185,"sentiment":"positive","sentiment_score":0.35729771852493286},{"text":"It really just comes down to what your preference is and what you're sort of wanting to do and what your goal is with that money moving forward as well. Yeah. Yeah. Yeah. Yeah. That's okay. Yeah. Well, I think yeah. I sorta Yeah. just leave it and leave it up to you guys being the, you know, the professionals with it just to do what needs to be done. Yeah. Yes. Yeah. That's okay. Are you happy just leaving in the investment account for now, and maybe down the track we can look at what else to do? Or did you want me to maybe look at the funds and look at other ways to have it working for you? What's your sort of preference at the moment? Yeah. Yeah. If you wanna have a look and see if there's something that'll work better. Yeah. Yep. Yep.","start_word":1186,"end_word":1333,"sentiment":"neutral","sentiment_score":0.1473923921585083},{"text":"Beautiful.","start_word":1334,"end_word":1334,"sentiment":"positive","sentiment_score":0.5604918003082275},{"text":"That's And okay. so did you say did you say at the moment, is it 60 that I can start accessing super? Is that what Yeah. Yeah. Correct. So under the current legislation there, if you choose to retire at the age of 60, then you're able to access your super wholly. If you continue working past the age of 60, there are you restrictions said? around doing so. But at 65, regardless of whether you're working or not, you're able to access your super there. From 65? Yeah. Yep. Yep. Yep. Yep. Okay. What what age are you sort of hoping to maybe retire or stop working or if you ever? Yeah. I'm not sure. I haven't really thought about that part of it, but it's not too far away, I suppose. Yeah. No. That's okay. Yeah. Yeah. No. That's okay. What do you do? What does your business do? What do you do for work? So I've got a homestay business. They're helping students find homestay accommodation. Okay. Yep. Yeah. Okay. So we work with agents and students. Yeah.","start_word":1335,"end_word":1515,"sentiment":"neutral","sentiment_score":0.05104563239118013},{"text":"Beautiful.","start_word":1516,"end_word":1516,"sentiment":"positive","sentiment_score":0.6413716077804565},{"text":"And with with families, Okay. finding good families for them to stay with. Yeah. Yeah.","start_word":1517,"end_word":1531,"sentiment":"neutral","sentiment_score":0.294959157705307},{"text":"Oh, perfect. Not a problem at all. And with your super there, I can see you've got a really good balance that has been, you know, working quite nicely there for you.","start_word":1532,"end_word":1563,"sentiment":"positive","sentiment_score":0.4813614785671234},{"text":"But are you making regular contributions into that fund? I'm sorry. I'm trying to log in to hub Yeah. 24 to have a really Yeah. good look at it. It's not loading. Yep. We do. Yep. We do. Yep. I'm On sorry. more My of a regular department. basis? I don't add any extra, but we pay, you know, obviously, the the percentage that has to be paid each quarter. Or Yep. yep. Yep. That's okay. The Yep. other thing I sort of wanted to find out was when you when you do get to retirement age, whether it be 60 or 65, do you know how much you might like to be able to draw out to live on when you do access Uber? No? No. So what what's what's the average that a single person made? There's no genuine average. There is kind of a Yeah. guide that sort of shows what might be required there, but it is pretty broad depending on the circumstances. Realistically Yeah.","start_word":1564,"end_word":1732,"sentiment":"neutral","sentiment_score":-0.007612761060470308},{"text":"I mean, what you could aim for if you're comfortable living on your income you have at the moment is just kinda aim for the same income that you have knowing that this is what you live on now.","start_word":1733,"end_word":1771,"sentiment":"positive","sentiment_score":0.4109637141227722},{"text":"Because Yeah. having a look, Yep. you don't have a mortgage. You've paid your home off fully, haven't you? Correct. Yep. Yeah. Yep.","start_word":1772,"end_word":1794,"sentiment":"neutral","sentiment_score":-0.056473832577466965},{"text":"Perfect.","start_word":1795,"end_word":1795,"sentiment":"positive","sentiment_score":0.4846629500389099},{"text":"So you're currently living there debt free at the moment anyway. So you Yeah. could just work to if you if you have a comfortable standard of living on your current income, you could always, you know, look to try and replace the same kind of income and have that as a Yeah. goal if you're comfortable with that. Or Yeah. Yeah. Yeah. So Yeah. even if it's like a like a thousand dollars a week or something. Yeah. Yeah. Yes. Is that what you're sort of wanting? Absolutely. Yep. Yep. Yep. And that's Yeah.","start_word":1796,"end_word":1890,"sentiment":"neutral","sentiment_score":0.18746644258499143},{"text":"doable is what I've got.","start_word":1891,"end_word":1895,"sentiment":"positive","sentiment_score":0.43548598885536194},{"text":"Well, Yep. what I can do is I can go back and I can review the super and the investment account. I can go Yes. forward and run some projections to have a look at what we're expecting based on the advice. I can look at both the super and the investment account, look at, obviously, what the consequences are, whether it is worth taking any money out of the investment to put into super, and what that might do and look like for you. Okay. I'll, you know, Yep. factor the tax consequences there. I might come back and say, hey. We're better off to keep the money here in this investment account, or I might, you know, say we might be better off to put some money into super there. Do you have access to your myGov account at all? Yeah. I do. Yep. Yeah. On your myGov account, if I send you an email afterwards, would you be able to access kind of your catch up contributions? If you go in, I'll send you the steps on how to do that, but the government allows you to utilize catch up contributions over the last five years, which could provide a bit of a tax benefit to you as well. So if you're comfortable sending that through to me, I could utilize that to sort of do the advice up for you and look at what we could maybe do. Okay. Yep. Yep.","start_word":1896,"end_word":2140,"sentiment":"neutral","sentiment_score":0.06633959938676989},{"text":"Beautiful. Like, catch up like a catch up contribution.","start_word":2141,"end_word":2149,"sentiment":"positive","sentiment_score":0.4510238468647003},{"text":"Yeah. Yeah. Yep. I'll send you an email after the call if you like, everyone.","start_word":2150,"end_word":2164,"sentiment":"neutral","sentiment_score":0.2680101990699768},{"text":"When it explains what to do, where to go to get them, I'll have the steps laid out for you nice and easy.","start_word":2165,"end_word":2187,"sentiment":"positive","sentiment_score":0.3450184762477875},{"text":"Yeah? Yep. Okay. Yep.","start_word":2188,"end_word":2191,"sentiment":"neutral","sentiment_score":0.16775695979595184},{"text":"Do it easy.","start_word":2192,"end_word":2194,"sentiment":"positive","sentiment_score":0.343382865190506},{"text":"Yes. That's okay. And having a look, so are we sort of working on do you think you wanna sort of maybe start accessing super and hopefully start working around 60, or do you think you're more likely to work a bit longer just the the projection side of things? Sorry. You're probably nervous. I don't know. I mean yeah. I'd like to have 60. I don't know. Yeah. No. Maybe That's okay. maybe do it for 65. Yeah. Yeah. 65. No worries. Perfect. I'm working on your current income amount now, or do you think maybe a thousand dollars a week would just be fine? Yeah. I I've guess got so. Yeah. Yeah. Plan it on that. yeah. I'm Probably sorry. need Just to pull a thousand dollars a that. week or just the 60,000 you're paying yourself at the moment? No. I do it on the thousand a week. Yeah. Yep. Perfect. So it's about 52,000 per year. Beautiful. And just going through the other circumstances I have here. Now I've got it down, so sorry, that you're single. Is that right? Yes. Yep. Yep. Beautiful. And you've got one Correct. son not financially dependent on yourself? Oh, sorry. You've got two children. One son and one daughter in The UK. Sorry about that. Yep.","start_word":2195,"end_word":2411,"sentiment":"neutral","sentiment_score":0.012605233117938042},{"text":"That's okay. Yep. Beautiful.","start_word":2412,"end_word":2415,"sentiment":"positive","sentiment_score":0.4344062805175781},{"text":"So neither are financially dependent on you? Well, one is a little bit, I suppose. He lives with Yep. me and pays, you know, pays a little bit of rent. So I Yeah. do support him, I guess, a little bit. Yeah. Yeah. That's okay.","start_word":2416,"end_word":2460,"sentiment":"neutral","sentiment_score":0.06742805987596512},{"text":"Not a problem at all. Perfect.","start_word":2461,"end_word":2466,"sentiment":"positive","sentiment_score":0.44001272320747375},{"text":"Okay. And I can see here you're debt free. You've got a bit of savings aside. Yeah. So the funds in the savings account that you have there, is that just more of an emergency buffer for yourself? Did you wanna do anything with Yep. any of that money? No. Yeah. It's sort of just back up for me. Yep. That's Yeah. okay. Yep. That's And absolutely I fine.","start_word":2467,"end_word":2535,"sentiment":"neutral","sentiment_score":0.1014545112848282},{"text":"All good.","start_word":2536,"end_word":2537,"sentiment":"positive","sentiment_score":0.4949837625026703},{"text":"And with the investment account within Hub twenty four there, are you making any regular deposits into that account, or is it just money when you've kinda got it available? Investment? No. I don't add anything to it. I haven't added anything in Okay. for both. So Yep. it's just purely from what the market's doing, I guess. Yeah. Yeah. Yeah. Perfect. No. Excellent. I'll have a really good look at what we can do there and have a look at the difference and sort of project it out. It does take a couple of weeks to kinda come up and have a look at what we can do and do all the research properly for you. But once I do have it ready to go, I'll let you know. And we can definitely go through and have a chat about what the advice is. We'll make the recommendations there for you. And then it's up to you whether you take on all of them, some of them, or none of them at all. Is that okay? Yeah.","start_word":2538,"end_word":2715,"sentiment":"neutral","sentiment_score":0.09493137896060944},{"text":"Sounds good.","start_word":2716,"end_word":2717,"sentiment":"positive","sentiment_score":0.3740729689598083},{"text":"Yep. Perfect. Yep. Now the other thing I do have here, I'm so sorry, is we have you looking at both of those portfolios there. It does look like you're in more of a growth portfolio. So, realistically, I just wanted to run through a bit of a risk profile analysis with you. Just a couple of questions to sort of gauge whether you're invested correctly or whether we need to maybe start reducing some of those risk levels. Because as your balance gets higher in these sorts of accounts, smaller changes to your, to smaller fluctuations or smaller changes to the investments make a bigger difference on a higher balance. So it's something that as your balance grows, you tend to notice a little bit more. Okay. I've just Okay. got a bit of a quick risk profile question. It's the same as you would have done over the last couple of years. It's just to sort of reevaluate whether we need to maybe look at changing the portfolios for you as a whole and maybe reduce the risk level. Okay? Yep. Thanks. The first one here is asking, have you ever invested in direct shares in your own name before now? I know you do have an investment account with those managed funds and ETFs and things. But have you ever owned any direct shares outside of all of this? Yes. I have. Yep. You have? Beautiful. Do you still have any of those at all? No. I don't. I sold them and then put them into oh, they're just okay to sort out. Oh, yes.","start_word":2718,"end_word":2985,"sentiment":"neutral","sentiment_score":0.0014803811713163533},{"text":"Perfect.","start_word":2986,"end_word":2986,"sentiment":"positive","sentiment_score":0.40790700912475586},{"text":"Sold them all.","start_word":2987,"end_word":2989,"sentiment":"neutral","sentiment_score":0.26812872290611267},{"text":"Beautiful.","start_word":2990,"end_word":2990,"sentiment":"positive","sentiment_score":0.5136122703552246},{"text":"Yep.","start_word":2991,"end_word":2991,"sentiment":"neutral","sentiment_score":0.3040007948875427},{"text":"That's excellent.","start_word":2992,"end_word":2993,"sentiment":"positive","sentiment_score":0.5572378635406494},{"text":"The next one here is asking what time horizon you have between now to when you're wanting to access your capital. So between the super and the investment account there, are you sort of hoping to access both of that or all those funds at around about age 65? Did you wanna try and access any of the investment money prior? Possibly. But, yeah, depending on what life throws at me. You're what? Like Yeah. yeah. Okay. So more just That's. in emergencies. You don't have any large holidays or anything booked at the moment? No. Nope. That's okay. Not a problem at all. The next question here No. is asking about inflation and, essentially, look at the risk level that you're willing to take. So when you think about your super and the investment account that you have, when you think Yep. about the type of risk you're willing to take, do you consider yourself willing to take on more risk to get greater potential returns, or are you feeling a bit more because you are getting closer to those points where you can try to access super? Are you feeling a bit more risk averse and wanting to protect your capital a bit more knowing the returns are a bit lower, or do you feel kind of in the middle of both all of the of those? Yes. Probably in the middle, I'd say. Yep. Yep. Yep.","start_word":2994,"end_word":3232,"sentiment":"neutral","sentiment_score":-0.04336259680874178},{"text":"Perfect. Excellent.","start_word":3233,"end_word":3234,"sentiment":"positive","sentiment_score":0.4784024655818939},{"text":"The next one here, if you looked at both of those accounts and you saw them fall by, say, 20% over the next sort of six months due to external market factors, how do you think Yep. you might be feeling? So if it might be a different way because you could can't really access that as of yet, you might feel a bit, you know, more risk averse towards your investment account. So just let me know exactly how Mhmm. you're feeling. But do you think you wanna put more money into the market? It could be a buying opportunity. Are you likely to call us and see what we suggest to do, or are you more likely to wanna sell and cement your losses? I guess I'd just wait it out until it Weighted it up. comes up again. Yep. Yeah. Yep. That's okay. Perfect. Or possibly The next one ring the credit yeah? card. Yeah. Yep. Yep. Perfect. The next one here is asking what reasonable rate of return you're hoping to achieve on a yearly basis over the longer term out of both of those super and your investments. Are you wanting to try and obtain maybe the highest return you can on a yearly basis? Would you be comfortable just getting around six to 8% per year, four to 6% per year, or would you be comfortable with about two to 4% per year? The highest, I guess, possible? Six Yep. to eight? That's okay.","start_word":3235,"end_word":3484,"sentiment":"neutral","sentiment_score":-0.009891401045024397},{"text":"Perfect. There's nothing wrong with that at all.","start_word":3485,"end_word":3492,"sentiment":"positive","sentiment_score":0.41165465116500854},{"text":"Yeah. Wishful thinking? No. Absolutely. And the next one here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you not wanna borrow for investing at all? No. I never thought of it, and I probably would yeah. I don't really wanna do that. Nope. That's absolutely fine. And the last one here is asking, have you ever seen either your investment or super fall in value? If you did moving forward due to external Mhmm. market factors, how might this be making you feel? Are you feeling optimistic about the investment opportunities, a bit cautious, a bit concerned, or a bit anxious? A bit cautious, but, no, I know that it fluctuates with, you know, global circumstances. So, Mhmm. Yes. yeah, Bit Just cautious, wait it out. you said. Sorry. Yep. Post Yep. this. Yep. Yep. Yep.","start_word":3493,"end_word":3643,"sentiment":"neutral","sentiment_score":-0.06843773892383702},{"text":"Perfect. No. Not a problem at all. Excellent. Now you have scored there as a growth investor.","start_word":3644,"end_word":3660,"sentiment":"positive","sentiment_score":0.4289540648460388},{"text":"So from what I can see, we do have you in that growth sort of area at the moment. That generally sees about 80% of your super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. And then the Yep. other 20% is in defensive lower risk investment, things like cash, bonds, and fixed interest. That sort of investment portfolio does suit someone who has at least six years before they're wanting to access their super or even their investment accounts. So given that you do are thinking about age 65 at the moment, it does give you that kind of time horizon to be in this sort of environment. It's just important Yep. to know that that does see 80% invested in those high growth or high risk environment like shares and property. We do like commodities as well. So Yep. you can see higher fluctuations depending on that. Do you feel like you're comfortable remaining there, or did you wanna maybe start scaling it back a little bit? I think I'm comfortable with where it's at. Yep. Yeah. Yep. That's okay. And for both of those, the super and the investment? Yes. Yep.","start_word":3661,"end_word":3862,"sentiment":"neutral","sentiment_score":0.08553528040647507},{"text":"That's okay. Yes. I All think good. first.","start_word":3863,"end_word":3870,"sentiment":"positive","sentiment_score":0.4807735085487366},{"text":"And, yeah, that's okay. Yes. Now there are other ways to invest as well. So when we look at the portfolios as a whole, there's different ways to invest within a portfolio. One of those consists of having active management, and that is where you invest in managed funds that have the active managers behind the scenes. They're buying and selling within those funds, and they're trying to outperform the market. It can be a little bit Right. more costly. You can pay more on management fees for those sorts of investment managers. And that's what Van Alon essentially were in your portfolio for. They were a bit more of an active manager in there. They were meant to be, you know, trying to sort of outperform the market.","start_word":3871,"end_word":3999,"sentiment":"neutral","sentiment_score":0.04020871222019195},{"text":"Unfortunately, this year, they haven't done so.","start_word":4000,"end_word":4006,"sentiment":"negative","sentiment_score":-0.4337203800678253},{"text":"And, honestly, Yep. when you look at the way investments do work over a longer period of time, quite often, active managers don't always outperform the market. So, you know, it's always a little bit of a gamble having them in there. The other way of investing is more of a passive investing, and that's where you're buying managed funds or ETFs that are better to track the market. The investment managers are just trying to buy in line with the index they're tracking, and they're not trying to outperform the market. They're not taking on more risk in any way. Having more of a Yep. passive investment portfolio can be a little bit more cost. It can also show you that you're taking a little bit less risk in the market and can perform greater than active management over the longer term as well. And one of the big things Yep. we do is we have lots of different investments in there because we're diversifying not just over one manager or one style of investment, but over different investment classes, the asset classes, asset managers, also different countries as well, as well as having those high risk and low risk investments. Does that make sense? Yeah. Yeah. Yeah. Yep. Yeah. Did you want me to look at more of a passive lower risk way of investing for you, or are you more comfortable having a little bit of active management in there at the moment? What would you like to sort of see? Oh, I don't know. That's okay. I think it's been okay the way it is, so that's that's a little bit more risk. Is that right? Yeah? Generally speaking, it can be. Yeah. Not always, but it can be depending on sort of what you do have in there. Yep. Yeah. There is another option depending on if you're open to looking at it or not. Yeah. We do have our own separately managed account, which we have built over the past couple of months with utilizing BlackRock, which is one of Australia's largest investment firms. Utilizing the way you see your investments at the moment. So do you log in to hub 24 and have a look at those on a regular basis? Do you like that you can see Yeah. all the investments noted there? Yeah. I do see. I do log in and do that. Yep. Yeah. So if we were to look at maybe this SMS as such, when you log in, all you would see is essentially the SMA with your funds. You can obviously see and we can send you reports with the underlying, but you don't see all the individual investments there like you do currently. You would just Right. see Okay. the overview SMA and how much you have invested essentially. The Right. benefit of having that kind of product is that with all the underlyings, our investments are same as what you have here at the moment. We might have a lot more. We can have anywhere from, say, 10 to 20 to 50 different investment options there. But the main benefit Yes.","start_word":4007,"end_word":4532,"sentiment":"neutral","sentiment_score":0.07835074478030885},{"text":"of that sort of product is that it gives us a lot more control.","start_word":4533,"end_word":4546,"sentiment":"positive","sentiment_score":0.3894853591918946},{"text":"So like with Bandalong at the moment, we haven't been able to swap that out just yet because we have to talk to you first and make sure you're comfortable Yeah. with us updating the advice. But Yep. with the SMA products, because we have more control, we can actually, say, swap out investments without much quicker without having to make Yep. the phone call, without having to update the advice for you. So the investments which is more regular, they're more in line with what's happening in the market and how the investment committee see changes occurring. So it just Yep. comes down to what your preference is. Are you more comfortable looking at something like that, which maybe gives us more control around altering the investments for you, or Yeah. I would think you like so. to see Yeah. more of the investments there? Yeah. No. I like the first option, like you said. The first one? Yeah. You having access to, you know, easier Mhmm. to make changes if needed. Yeah.","start_word":4547,"end_word":4720,"sentiment":"neutral","sentiment_score":0.11878798747884815},{"text":"Yep. Perfect. Well, I can definitely have a look at the SMA product there for you. I can keep it in that growth environment. So still keeping that 8080% in growth investments and 20% defensive so you still have that split. I'm just looking at blending those estimates together and do the research there to see if that's gonna provide a benefit to you.","start_word":4721,"end_word":4784,"sentiment":"positive","sentiment_score":0.494480699300766},{"text":"Okay? Okay. Yep. So Yeah. does that mean I don't I go from am I still have '24, or does that move Yeah. to something different party No. It still? still stays within Hub 24. It's just altering Yes. the underlying investments, essentially, and possibly the K. product, but nothing changes on your end in any way, shape, Yep. or form. Okay? Yep. Yep. Okay.","start_word":4785,"end_word":4849,"sentiment":"neutral","sentiment_score":0.01558832824230194},{"text":"Yeah. That's Fantastic. good.","start_word":4850,"end_word":4853,"sentiment":"positive","sentiment_score":0.6495230793952942},{"text":"Well, I'll do the research against just swapping out one or two of the investments against the whole sort of SMA look to see what that looks like for you.","start_word":4854,"end_word":4883,"sentiment":"neutral","sentiment_score":0.28277266025543213},{"text":"We'll make Yep. the recommendation if it becomes appropriate. And if it shows, it's gonna put you in a better position as well working towards your goals there.","start_word":4884,"end_word":4911,"sentiment":"positive","sentiment_score":0.48389363288879395},{"text":"With the Mhmm. the two accounts that you have, if you're comfortable, I can look at once I get the additional information, look at whether keeping the money separated is providing a benefit or whether it's better to put it together. I'll look at the cons the tax consequences of withdrawing the money from the from the investment because that's obviously a factor into this as well, making sure that it's not gonna Yep. charge you a ton of tax Yep. and looking at the benefits of doing so. And I can update the advice to reflect whether we do recommend putting this together or whether we do recommend keeping it separate and how and why does that is this sound okay? Yeah. That's fine. Yep. Yep. Yeah. You're you're more than welcome to tell me no at any point. We just wanna make sure we're evolving the advice and making sure things are working right for you at the same time. Yeah. Okay. No. That sounds That good. If you can research yeah. all that and let me know. Yeah. Yeah.","start_word":4912,"end_word":5093,"sentiment":"neutral","sentiment_score":0.11775823023456794},{"text":"Absolutely. Perfect.","start_word":5094,"end_word":5095,"sentiment":"positive","sentiment_score":0.5307912230491638},{"text":"Now the other thing I just wanted to sorta ask was, do you have any kind of sorry. Do you have a plan, like an estate planning or a will set up that kinda says what you're wanting to happen to your assets in the event of your passing? I'm sorry to take it another direction. No. No. No. Yeah. I do. Mhmm. I've got a I've done one of the, like, the online little thing. So what do you offer some sort of option there? Yep. Well, we just like to make sure we have all the information updated because we part of the part of our advice structure is making sure the estate planning side of thing is completely Yep. sorted. So if as long as Yep. you have a will and it is up to date and it does reflect your wishes, that's absolutely fine. Yep. But we do also like to make sure we are looking at your beneficiary nominations on your account as well. So with your investment account, you can't actually have a beneficiary nomination on this and making sure there is a will in place. So if in the event you would have passed away, essentially, Yep. the money from the investment can be directed into the will and then distributed as per your wishes. Otherwise, Yeah.","start_word":5096,"end_word":5319,"sentiment":"neutral","sentiment_score":0.08112165385058948},{"text":"everything kinda has to go through probate, which can be a really difficult process on your family.","start_word":5320,"end_word":5336,"sentiment":"negative","sentiment_score":-0.3761008083820343},{"text":"I'm not sure if you've ever had to go through that before. But, essentially, Okay. probate, yeah, so probate, it Yeah. can I be know quite probate. difficult. Yeah. Yep. And Yep. it's up to the judge in the court system, which doesn't you know, it means that the money could Yep. lend where you don't want it to be. So it gives you a bit more certainty Yep. and control around your assets, which is really important. Okay. Yeah. That sounds Yeah.","start_word":5337,"end_word":5419,"sentiment":"neutral","sentiment_score":0.007274665869772434},{"text":"good. That's okay.","start_word":5420,"end_word":5422,"sentiment":"positive","sentiment_score":0.4275107979774475},{"text":"Yeah. With your beneficiaries here now I do have it noted as a binding non lapsing nomination, and you've got down here that you wanted 50% to be paid to either of your to both of your children. So 50% each way. Is Yep. that right? Correct. Yeah. Yep.","start_word":5423,"end_word":5471,"sentiment":"neutral","sentiment_score":0.2205676436424255},{"text":"Perfect.","start_word":5472,"end_word":5472,"sentiment":"positive","sentiment_score":0.5089203715324402},{"text":"With that, because they are technically nontax dependent, they are older, did you want me to maybe restructure the estate Yep.","start_word":5473,"end_word":5493,"sentiment":"neutral","sentiment_score":0.19146406650543213},{"text":"planning to make a recommendation so that they receive the benefit in the most tax effective way.","start_word":5494,"end_word":5510,"sentiment":"positive","sentiment_score":0.35752084851264954},{"text":"Because one of the Yeah. big things, Definitely. whilst your child yeah. Because whilst your children are beneficiaries under legislation, they can be nominated. If in the event you were to pass away, your super and you haven't got any life insurances, but your super is essentially released. But on the taxable component, your children are required to pay tax if it's directed directly to them. Okay. Unfortunately, it's hard to get around it. But if we maybe look at offering the nomination, and as long as you have a will drawn up, then you can direct it through to your estate. Yep. In your Yep. will, you just need to have it directed that you how you want it to be be paid. You can have it done through, like, a trust through your will, and that way, the kids receive the funds. And it does sort of save them paying a little bit of tax. Does that make sense? Yeah. Yeah. Yeah. Yeah.","start_word":5511,"end_word":5675,"sentiment":"neutral","sentiment_score":0.09855240249272548},{"text":"That sounds Yeah. good. Beautiful. Definitely. Thanks I can for that's okay. I can absolutely, as part of that. the advice, also put the estate planning slides in there for you, and we can have a really good look at what to do there.","start_word":5676,"end_word":5719,"sentiment":"positive","sentiment_score":0.4789676070213318},{"text":"Okay? Yeah. Yep. Yep.","start_word":5720,"end_word":5723,"sentiment":"neutral","sentiment_score":0.16109660267829895},{"text":"Sounds good. Perfect. Okay. Excellent.","start_word":5724,"end_word":5728,"sentiment":"positive","sentiment_score":0.49654871225357056},{"text":"Now I will go back, as I said, and do all the research there. I'll send you an email after the call just to try and get some other information there for you. Now I depending on how the research comes back, it may be worthwhile keeping the accounts completely separate. But I just wanted to obviously find out a bit more about what you're after, what your goal was with the funds. Do you have any sort of large holidays planned before the age of 65 that you think you might want some large sums of money for? Do you plan on going to The UK or anything like that? Yeah. I will be. Yep. I try and save my, you know, my wage and what I earn, so that sort of Yep. stuff. So Yep. so I've had a couple of holidays the last few years to UK and Europe and stuff. So I don't usually I think I did access 10,000 in 2020 Yep. 4, Yep. so towards that. But, yeah, Yeah. I don't think so. I'll try not No. to touch it. No. That's okay. That's completely fine. I just wanted Yeah. to make sure I know. I take that Yeah. sort of thing into account because, I mean, Yeah. if there was a point where we take something out of out of the investment to put into the super, that Yes. does sort of stop you Accessing. from K. accessing that certain amount of money. So I just wanted to sort of find out and gauge where there might be a need to keep some money back or if you wanted Yep. a bit of a buffer. Like, I know you have your own business and things like that, but did you wanna Yep. keep, like, a certain amount in an investment account to have as a buffer as a bit of a backup? Yeah. That could be an option, though. As Yep. long as it's it's gonna keep making money too as much Yeah. as yeah. Obviously. Yep. Yeah. That's Yeah. okay. Not a Yep. problem at all. What I can do is I can go back and do a bit of research there for you. This is quite a large plan, a lot of research to conduct, so it will take a few weeks to put that together. Yeah. That's But we can come back, and I can go through the recommendations. I can let you know what we've recommended, how and why, good. and then Yep. go through the advantages, disadvantages, the risks involved. And then you get to have a look at that and decide whether you wanna take all the advice, some of it or none of it at all. That's completely up to you. Okay. Okay.","start_word":5729,"end_word":6195,"sentiment":"neutral","sentiment_score":0.03873942056132333},{"text":"Sounds good.","start_word":6196,"end_word":6197,"sentiment":"positive","sentiment_score":0.33971714973449707},{"text":"Yep.","start_word":6198,"end_word":6198,"sentiment":"neutral","sentiment_score":0.31801170110702515},{"text":"Excellent. Perfect.","start_word":6199,"end_word":6200,"sentiment":"positive","sentiment_score":0.5428599119186401},{"text":"Alright. So you'll Is you'll yeah. you'll send me through the myGov thing to Absolutely. access that? Yep. Yeah. Yep. Yeah. Yep. What I'll do is I'll send you through an email just kind of recapping what we've discussed just to kinda give you an idea of what we've gone through, make sure that there's nothing that's been missed, allow you to ask any additional questions that you might have, or if you can tell me, hey. No. That's actually wrong. I don't really wanna do that anymore. That's okay. And then I'll also just send through the details with the myGov there. If you can grab that information for me, that would be fabulous, and we can have a look at what to do and how this works for you and do all that research best. Okay. Okay? Okay.","start_word":6201,"end_word":6340,"sentiment":"neutral","sentiment_score":0.1050407886505127},{"text":"Excellent. Thank you. My pleasure, Bronwyn. Thank you so much Okay. for calling me back.","start_word":6341,"end_word":6355,"sentiment":"positive","sentiment_score":0.4598595201969147},{"text":"No. That's okay.","start_word":6356,"end_word":6358,"sentiment":"neutral","sentiment_score":-0.004876120015978813},{"text":"Thanks for that.","start_word":6359,"end_word":6361,"sentiment":"positive","sentiment_score":0.5911597013473511},{"text":"Sorry for the yeah. No. You honestly For missing have nothing it. to apologize Yeah. for. I work on your time, and it's not a problem Yep. in any way, shape, or form. Okay? Okay.","start_word":6362,"end_word":6396,"sentiment":"neutral","sentiment_score":0.03726085647940636},{"text":"Great. Alright. No worries.","start_word":6397,"end_word":6400,"sentiment":"positive","sentiment_score":0.4534564018249512},{"text":"We'll talk to you within the next few weeks. Yep. Yeah. Okay.","start_word":6401,"end_word":6412,"sentiment":"neutral","sentiment_score":0.23780150711536407},{"text":"Thank you so much.","start_word":6413,"end_word":6416,"sentiment":"positive","sentiment_score":0.6790199279785156},{"text":"If there's anything you'd Okay. just wanted, I'll make sure I come back. But, yeah, once you Yep. get the email from me, hopefully, today or Yep. tomorrow, if you can just reply back it doesn't have to be urgent. Just whenever you're available because Yep. I know you are very busy, and I'll get Okay. cracking on that research there for you. Okay?","start_word":6417,"end_word":6480,"sentiment":"neutral","sentiment_score":0.09554116427898408},{"text":"Alright. Sounds good. No worries. Thank Thanks for thank that. you so much. Okay. No worries at all. Have a good afternoon. Thank you. You too.","start_word":6481,"end_word":6506,"sentiment":"positive","sentiment_score":0.5619369149208069},{"text":"Bye.","start_word":6507,"end_word":6507,"sentiment":"neutral","sentiment_score":0.31281203031539917},{"text":"Thanks.","start_word":6508,"end_word":6508,"sentiment":"positive","sentiment_score":0.5116462707519531},{"text":"Bye. Bye.","start_word":6509,"end_word":6510,"sentiment":"neutral","sentiment_score":0.25283676385879517}],"average":{"sentiment":"neutral","sentiment_score":0.08613139893893065}}}}