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Right? Don't have to run the air conditioners all the time. Was it yeah. I'm with you on that a 100%. I just had some updated advice documents to send through to you. I was wondering if you still had a bit of time this afternoon. Perfect. Just before I jump into it, usual security check. So I'm registered with Asik as adviser 1273105. Are you okay to confirm your date of birth and address, please? Perfect. Thank you so much for that. And then are you okay for the call to be recorded? Perfect. So I've got your advice document here. I was talking with Kyle who's currently unavailable at the moment. So I was gonna shoot that through to your Gmail account. Do you have access to that today? Cool. So Easy done. I'm gonna shoot that through now. Now with our new system, first time you receive an email from our new system, it may go to your spam box, and it may go to your main inbox. And I have had two instances where it took about nine minutes. So just wanna instant and perfect. That's great. Awesome. So what I'd like you to do, if you could, please, is on that document itself, there's a number of attachments. There will be a, like, an appendix with some additional research and an updated financial services guide from Oakview just with all of our updated licensing information. But there should actually be a link to review the statement of advice itself, like a little hyperlink. Can you see that there, and can you access it? Yep. And the first one that should pop up, it should have that sort of beachfront Gold Coast City logo on the front there. Perfect. Perfect. Perfect. So that's what I wanted to run through with you today. Just make sure you're comfortable with all of the recommendations that Carl put together. I did actually review them this morning as well just to make sure they're all good, and I have just put my name on the document just because I'll be the adviser presenting them to you. Perfect. So if you have a little scroll down about four pages, you should see the scope of advice heading, and it should say scope of advice considered in blue there. Can you see that? Perfect. So the main thing at the moment, from what I can gather as well is that we're doing some updated super advice, and it was mainly just around about updating your sustainable investments just to try and get them a little bit better and make things a little bit more ethical in your soup. Does that sound about right? Yeah. And part of Carl's notes too and and that explanation was that you wanted to kind of explore just going a little bit more diversified with it. Because, obviously, if you go just into ethical, it tends to lean you into only a few different asset classes and shares. So just kind of branching out. Does that sound right? Perfect. The only other thing that we've included as well was just adviser identified just to make sure that the beneficiary nominations were up to date for both the super and the MetLife, and just making sure that we've got, like, a will and a power of attorney in place. So as long as you don't have those, we tend to just do a bit of a reminder to try and get that in place. No. That is totally fine. We can help you with beneficiaries and and, look, it's one of those things where at our age, it it's kind of out of sight, out of mind. And then once you start building up more assets and family and things like that, it becomes a little bit more kind of to the forefront. But it's, like, one of those things that if you do have that minute to even pop by the post office and get a $25 will kit, something's better than nothing. But at the very least, we just wanna make sure that your beneficiaries are going to the right spot as well. Oh, congratulations. Yeah. So one of the things that I can kind of just tell you straight away too is we deal a lot with people trying to look after minors. So depending on how much you have in, like, super life insurance, other assets, just making sure that people who are 18 are looked after as well. So one of the things to think about, and it's not even really a conversation for today, is that once your your child is born and everything's good, do you still want everything to be going, for example, straight to a partner or somebody directly, or do you wanna put some provisions in place so that the child is looked after? Because, obviously, everything would go to their guardian after you, and they would essentially control the funds. So if there's any issues with that, then there's other steps and things you can put in place. Cool. So when we do those reviews with you, we'll touch on it, and we'll kind of update your estate plan as we go alongside your super plan. Perfect. The only other thing too was just on that next page, we have a limited consideration for insurance. Just making sure that, obviously, we keep the insurances in place and that we're factoring in the premiums to, like, the projections and things like that. K? Can you see that on that next page? It should say scope of advice limited consideration, and the one after that is what's not been considered in this document. So the main thing there when it comes to, I guess, cash flow advice is that you obviously had a little goal there to go to Japan with your partner. We're obviously not giving you advice for that because that's something that you're able to sort of manage personally. We're really just focusing on updating the super at this point. Perfect. Debt management and investing. So, obviously, the mortgage, getting that paid down, and something to sort of come back to is personal investments. If at any point you and your partner would like to investigate investing personally, that's something that we can certainly help with, but we're not doing that today. Does that sound right? Perfect. And that's one of my most fun conversations because we do a little bit of what I call like a toe dip into investing, where if you and your partner would like to just start investing with, like, a small amount and and just don't do anything too risky, with your current super fund, they actually offer investment accounts too, and they can be linked up with your super account. You can have them on the one login, and they've got all the same investment options. So we can kind of take an approach there. And once the the baby is born too, we can also do investing towards, you know, helping them for a house deposit when they're 18. So there's things like bonds that we can do. So you can hand them, like, here's a nice package when you're 18. It's all tax paid, and you can have a deposit for a house or whatever your goal is with your partner. Oh, fantastic. Yeah. Yeah. Yeah. Absolutely. And are you considering taking off, like, a short or long span for, like, maternity leave and things like that as well? Mhmm. Yeah. It'll kind of put a pause on a few things just for a period of time and then sort of dive back into it after that as well. Yeah. So that's certainly something we can do. Yeah. And that kind of sounds like something that we should possibly have as a bit of a joint discussion, or would you like to kind of just steer that ship and and have a discussion with myself or one of the advisers solo? What would be your preference? Yeah. And just to kind of tailor that a little bit, can I just ask you two quick questions with regards to your current finances? So with the savings and shares that we have listed at the moment, would you say that the main usage for all the savings is just to have that kind of emergency fund buffer or sitting in an offset account for the mortgage? What's the kind of main use for funds at the moment? Yep. Yeah. A bit of everything. Yeah. I've been doing that with my my wife the last few years because we just bought, like, an investment property as well. And she's basically just like, you're a financial planner. Please sort it all out. But then she wants to make sure we've got some short term splurge money because we've got three kids and a third on the way. We're gonna have that holiday fund building up in the background, and then we've got to invest as well. So we actually went through with our bank and set up about four or five offset accounts, all offsetting the mortgage and had it all split into the different categories. I don't know if that might be helpful. Yeah. Absolutely. And so two quick things I've got on that too is, like, when it comes to splitting up buckets, regardless of your income level, I find it helpful to kind of get a percentage picture about what the funds are going towards. So I'll give you an example with mine. So we have about 60% of our incomes going towards expenses. We've got about 10%, which we put aside for, like, we call it splurging, 10% for the longer term fund that we don't wanna just spend it every week. We wanna build it up for a year and do the nice holiday. And then 20% goes towards filling up the savings. And then once the savings filled, it goes into investing. So we kind of everything pulls into that. So even if I get bonuses or anything like that, pay rises and so on, it all gets split into those proportions. So I find just getting that picture about what categories are doing and and how much you're spending on each is kinda helpful because then you can see, look, are we overspending on the trivial things? Are our expenses too high? So, obviously, if your expenses are too high, your two options are either earn more or try and find ways to save on, you know, not having Disney plus and Netflix and and all those things. A little bit of both. So the way we like to do it as well is we send through a bit of a budget planner if you don't already have one, and it just lets you input all of your different expenses and and cash flow items, and it'll convert it from weekly, fortnightly, monthly, quarterly, all that kind of thing. And that just goes that one extra step of depth so that we can talk about what may need to be increased or decreased. So I can definitely shoot you through a budget planner as well if you would like to go through that with your partner and bring that to the meeting. And then it's really just about stepping through the goals because have you ever gone through our, like, Oakview financial services guide before? Yeah. So there's a really good little reminder in there. We call it an Oakview wealth cycle. And it's because everything with Oakview is tree analogies, it talks about setting in place your roots, building up that nice stable trunk over time, and then branching out into different things when the time is right. And it's basically just an analogy of stepping through life stages. So depending on where you're sitting with your partner, we would gradually move you along those stages towards the different areas as well. So first things first is let's get a handle on the budget. And then once that's handled, we may spend three to twelve months just seeing how that runs in practice, and then we start diving into investment discussions and tie that into your debt goals to make sure that you can actually meet both goals and they're not conflicting with each other. So one of the things I would do with your partner as well is just do a personal risk profile because you probably don't wanna invest your money that you may access in five, ten years personally the exact same way that you do for your super that's locked away for thirty years. Does that kinda make sense? Yeah. So after this meeting, I will shoot you through a bit of a budget planner. We can set a bit of a catch up to go through the budget side of things after that and then maybe go through some or in that meeting, I would like to just revisit your goals and sort of see what's the priorities for the short term and how far we should space everything out. Cool. So awesome. I'll make a few notes on the file, send you through the budget planner. Just have a chat to your partner about the few things that I mentioned in the email, and then we can we can go ahead and book a time, whether it's in a couple of weeks or three months or whenever it's appropriate for you both. Yeah. Great question. It's all included in the service fee that you already pay. The only difference would be, let's say, we go ahead and I'll just give you an example. I had a couple a couple of weeks ago who put in, I think, $75,000 into an investment platform that they wanted us to manage. Obviously, there's a fee to do the advice to set that up and manage that the same as the superannuation. But as far as those budget discussions, goal planning, that's all included. Awesome. Would love to do that with you guys. I'm just gonna double check with you because it may have been a little bit of time. Do you can you see in that advice document on page eight, nine, and 10, it's got an about you section with your personal details and your assets and liabilities. Can you just double check that those are pretty close to the market? They haven't changed significantly. And we've got phone number and email is still the same. Still a consultant psychologist earning about a 108,000. We've got the home, the savings, the shares, and the car. Perfect. We can't always capture the exact value on a certain day, but, obviously, things change every single day. If there's ever, like, a significant change of, say, more than 20% or something, it may impact the advice. So I just wanted to double check with you. Perfect. Perfect. If you go through past there, you'll see the current super with hub twenty four, and you do have those MetLife insurances for the life TBD and income protection. You do have pretty well a full suite of insurances that's covering all of the debts. It's covering your income. It's pretty much as good as you can possibly get, probably top 5%. If that continues to increase because it is not too bad just based on your age. But once you get through forties and fifties, that can jump up very quickly. So as you pay down the debts, part of that discussion may be, do we reduce insurances down as you pay down your mortgage versus investing and building your assets up on the other side? So we have factored that into the projections because I know we're updating the portfolio for the super. We just wanna make sure that it's still tracking along pretty well. And you do still have trauma insurance as well, which you've paid out of pocket, and that's for your heart attack, stroke, and cancer. There's other conditions as well, but it's just those ones outside of, you know, death and disability, the main lump sums. Perfect. Your risk profile on page twelve thirteen, we've still got you as a high growth. So, again, focused on high long term returns. Obviously, a bit of a roller coaster ride in between. I'm not sure if you've seen what's been happening the last couple of months. Yep. The ups and downs we're experiencing at the moment, double digit swings, 10% and above. And even in the span of two days, the funds could go up and down four or 5%. So it's definitely we tend to use a lot of buzzwords in the industry like volatility and risk and things like that, but what I'm basically saying is that right now with everything going on, it's just higher highs and lower lows compared to what it was like last year, which was a bit more slow moving. K. So if you scroll down past there, you should see on page 14 strategy recommendations. It is a bit of a wall of text, so I just wanna kind of summarize it for you. But if you can let me know when you can see that. Cool. So there is an investment switch recommended here, which will be in a table below. But, basically, the main best interest duty here just talks about trying to leave you in a better position and trying to meet your goals. So things that we factored into this is not just insurance premiums, fees, and taxes. It's also like capital gains tax for your super by switching your investments around. So because we've got control under the hood, we can actually see what that is, whereas most of the funds is just kind of hidden. So we have to make sure that we're careful with that when we're moving things around. We have your retirement age still set currently for around about 65. Obviously, give or take, if you can go a little bit earlier, that's ideal. But what we can't do is project out thirty one years and say you are definitely on track, factoring in all your life changes, inflation, cost of living. Like, there's a bit too many variables. So we just start off with, like, a ten year projection just to try and get you in a better position. K. So if you scroll down past there, you'll see a table that lists, like, advantages and disadvantages. And, basically, the main thing is the investments Carl's picks is just trying to get you into some lower fee ETFs, reduce that investment fees a little bit, keep you in line with your risk profile, and just get you a little bit better on the performance side. Because of all of the fluctuations in your investments, the switches he was looking to recommend, he was able to offset any gains with some losses so that you don't pay any capital gains tax through your super. So the only real disadvantage is that we can't guarantee performance because the markets do what they do, And all the investments that we use, they're ETFs, so there's brokerage fees. You purchase them up front. It's a little bit of an entry cost, but then they're lower fee ongoing, so we have to factor that in as well. K? If you go through past that point, you will see an investments table on page 17. It will be like a blue table with a little bit of red text about what investments are being sold and some black text for what's being bought. Can you see that there? Yep. Now I won't go too too crazy into this, but the main thing is there's a reduction in your sustainable options, which is the top two. And they're basically being brought back to, like, a flat weighting. So if you see in the current weighting column, 30.29%. And then on the right hand side, you'll see, like, a 15% flat. So what Carl and the team basically did is we punched all of those investment options in to get all the different assets, and we're just trying to bring it down a little bit so that you're not too heavy into one type of asset. So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently. So 5% to that. And then a few things like the bottom there, the S and P 500. That's just your standard top 500 companies in The US. And, again, the S and P 500, probably, like, the best performing index in the world at the moment over the long term. K. So there's a few little things there. And a slight bump up to your the Aware shares there in the middle, which are a little bit more towards the ethical side, but they're not straight into mining companies, but they're also not purely into just green energy. They're a little bit of a hybrid mix, if you will. K? So if you go down past there, you will see the asset allocation pie chart after that. Your risk profile being high growth, you have a range between 90 to a 100% being in growth assets, which is like shares, property, and gold. You're currently sitting about 93 with the recommended changes. It's sitting at about just under 95. It's pretty much smack bang in the middle of that risk profile. K? So very little in the way of, like, safe, low fee investments, but, obviously, the whole point there is get higher long term returns, build up your funds. And then when you're approaching retirement, you probably don't wanna be high growth at 64 and lose half your super, so we have to protect it gradually as you get closer. So how we basically do that is once you hit that last ten years, we're probably gonna start reducing your growth allocation from ninety percent eighty, seventy, sixty, fifty, 40, and there's your safe pension account to live off. Makes sense? Perfect. There's a bit of a fee comparison on the next page. So, basically, with the same platform in Hub 24, there's no difference in the cost of the account, but it reduces the investment fees by about a $137, which is around about a third off on the investment percentage fee. K? Yeah. So that's more ongoing because those investment fees talk about, they call it the MER, which is a percentage investment fee before you get your performance, before you get your your returns. And then the returns that you get in your account are after fees. They're the net returns. K? The only thing there would be the brokerages, I think, 0.11% for Hub. They do something called aggregated trading. Has anyone mentioned that to you before in your last review with Kyle? It's probably the last sort of technical thing I'm gonna throw at you because I don't wanna bombard you with jargon. But this really cool thing that Hub does is if you're buying or selling shares and ETFs and someone else is buying and selling them, instead of paying brokerage fees, they can just swap them between the people. What that basically does, we can't actually estimate the savings, but it's somewhere between zero and seventy percent of the brokerage fees get waived depending on who's trading what. Most of the people I've seen, it reduces it by at least 50%. So it's just a cool little feature they do. Yes. Exactly. Right. So if I do it today, it can be the last week. It will depend on what proportion gets aggregated. Yeah. A similar thing is how I mentioned before the fee linking. So let's say we did have an investment account one day, it would average out between your super and the investment, and it would push you along the tiered admin fee a little bit quicker. So Hub will reduce your percentage admin fee when you go above 250,000, and it drops very quickly from, I think, 0.36% to, like, 0.12. It drops in, like, a third. So once you've got pension accounts, super accounts, investment accounts, even with your partner potentially, you can link all of them together, and you could even have six to eight accounts linked together and then just reduce the fees across the whole lot. So this is just based on your balance at the moment. If that comes into it, we do have calculators that can show us that as well. Cool. Performance wise, we did a bit of an estimate going backwards five years just to show you a bit of a five year rolling average at the bottom of that table. 9.66% versus 11.18. Again, that's just going backwards, so don't really know exactly what's gonna happen with the market this year and next year, but just showing that in the same scenarios, the performance difference. Sure. Fingers crossed. The main thing here too is most portfolio updates, you're pretty well likely that in any scenario to get that little bit of a performance difference that we're aiming for, pretty well, it's highly probable. The only difference with yours is that switching from ethical shares to to different assets means that if the green energy sector goes up and the mining sector goes down, you're gonna get a bit of a split between the two portfolios. So it just makes it slightly less certain, if that makes sense. Yeah. And the main thing that we do, there's a little bit of an estimate on the next page that has a bit of a five to ten year projection just to try and get you in a better position. But I guess the main the main expectation that I can give you is all of these picks are supposed to average out better over a long period of time. So over ten, twenty, thirty years, it's to get you in a better position. Regardless of what happens in three or six months, if the averages are better taking into account all of the cycles that have already happened, and I'm talking global financial crisis, COVID, this current situation. If it averages out better every single time, then you've got a much better chance of getting a better outcome. Yes. Yes. Great spot. Great spot. So when we were going back through it, basically, if we think ten years back from now, that's 2016. From 2016 to 2021, the sustainable sector had a huge search, and all of those companies Yeah. So this is looking backwards. So, basically, what we're trying to do is make sure that going forward, it's looking better. So the the weird trick that we have to play is looking backwards, trying to get better performance like for like in the same scenarios, but at the same time, then factor in what may happen going forward as well. And Yep. Though I love all of those types of companies, they had such a massive surge in those five years that everyone started selling them off gradually in the last five to six years or so. We still wanna keep you in them, of course, but they haven't been, I guess, projected to do as well as, like, your gold and your other assets over the next ten years. Correct. Correct. I might even update our template a little bit to make that a little bit more user friendly to show this is going forward. This is going backwards, but exactly right. That's our projection going forwards with all of the contributions, fees, returns, and everything mixed together. And then below that just says, hey. If we just pull your investments off to the side and look backwards over short, medium, long term, this is how they kind of stack up beside each other. Cool. I think the main thing for you as well, like, when I was talking to Carl about your portfolio, is he wanted to get a bit of consistency into it so that it wasn't such like, yes, high growth has wild swings, but a bit more consistency so that if different sectors or different things, you're not having a year where you do very little or very large, that you're always hitting that average double digit return because high growth is basically like a benchmark of 10%. If you can get ten, eleven, twelve, thirteen consistently, you're pretty well on track. Cool. So that's pretty much the super side of the advice. Everything else in this document just goes through updating your beneficiaries with Hub and MetLife. So I won't reexplain why you should have a beneficiary nomination and say where things go. And, again, please sort out a will and a power of attorney if and when you can. Do you have any questions for me so far? I have your account open in front of me. I didn't specifically plug in when you last spoke with Kyle, though, because I can't don't don't actually know off the top of my head when that was. Bit of an update. Yeah. So when we looked at the last review, it was pretty well flat at that point because some of those assets had just gone down, and it pretty well hit that zero point I think it's 35% that we've got in the in that table you saw above for the twelve months. Since then, it's picked up another two or 3%, so it started going back up again. And, realistically, everything has gone back into the positive except for that one sustainability option. Everything else has jumped up nine, seven, 14%, and just that one sustainability option had gone down 5.5. So what I'm kinda doing there is I I'm taking a twelve month performance snapshot. And then, obviously, as time moves on, it's taking that start and finish date, and it's sliding along with time as well. So I've just run that from today backwards compared to the last time we ran the report. To translate that into dollar value terms, which is probably a little bit easier to see, you had a bit of a drop down to 74,000, and it's jumped back up to 77,000 in two weeks, apparently, is we finally had a jump back up in the markets. Yeah. And I think the main, like, expectation I can give you as well is that when I said volatility increases, so higher highs and lower lows, basically, what we do is your contributions come in and they buy into all these options gradually. So because they're low fee ETFs, they will follow the market sectors that you're investing in up and down. We buy all these different sectors, shares, properties, and gold, and when the market goes back up, you should get a really strong double digit return on the way back up. And then we average that out and see how it looks because there's always a cycle. It grows for five years and crashes, grows for five years and crashes. We wanna make sure that after every cycle, you're still getting that 10% benchmark until you're you've got a million dollars and you're 62, and we can focus on protecting it. Yep. If at any point we have these future discussions about personal investments or your super and you wanna investigate different styles of investment, so, you know, how you went from, like, sustainability to mixing in a few other asset classes, we can change styles to suit the behavior that you're comfortable with. Cool. So as long as you know what your soup is gonna do, basically, long and short of it is it's gonna shoot up and down all year. And then once there's some normalcy, it should start that upward trend again, and then we will kind of review that and say, did it get what we expected? Cool. The other things too towards the end of the document, we always reiterate, like, our fees coming up because I know you signed, like, an updated service agreement with us, but that same 1.65% is still factored in. That's still disclosed there just to make sure we're disclosing what we're charging throughout the year. Anytime with insurances, they always pay that 22% kind of ongoing commission to help manage the policies, whether it's MetLife, Tal, whoever it is. So my reminder there is if something happens, we're obviously not gonna be the first person that you call, but we do do claims assistance. So if you need a claim on your insurance, we help you through the claim. And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last. So always bear that in mind, but if anything changes, we'll capture that in the future discussions. Would love for you to call in if something major happens in your life. But if not, when we review you, we'll talk through those as well. Cool. Do you want me to set up a bit of a catch up or get the team to just give you a call in a couple of weeks to see how you and your partner are going with the the budgeting and everything? Because I'm thinking I might shoot that email through after this and give you a bit of time. And then once you guys are ready, book in for, like, a proper consultation, if that's okay. Awesome. So if I look over the next fortnight or so, from the week of the twenty seventh, I'll get the team to give you a call. And after that point, I'm actually going on paternity leave in the first couple of weeks of June as well. So I would love to catch up with you guys early May and talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as well. Awesome. Outside of that, we've got some steps to implement the advice. So it always starts with your consent. Once you're happy and signed the SOA that you've got, we can basically just hop on to Hub, and the team this week will switch your investments around. We will prefill in some beneficiary forms for you and help you through those. Have you gone through beneficiary forms before, like gotten them witnessed and so on? So just to quickly cap things off is let's say we send you blank forms. You basically have to put in your details and your nominees details, let's say your partner. From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't the beneficiary. So we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in. Just whatever is easier for you. Yep. Easy done. So we'll send out one for Hub, one for MetLife with some instructions there. If you run any trouble, just call the team, and they can walk you through it. And they can pretty much do it two minutes on the phone. Do you remember talking with Kyle about the type of nomination you were trying to put in place by any chance? So the super easy of it is you can choose whether your nomination is a non lapsing or a lapsing. So whether it expires after three years or if it just continues on until you change it. The other options, which are quite strange, but you can choose whether it's legally binding or not, I don't really see anybody doing a non legally binding nomination because it gives the trustee discretion. I don't know why you would let the Superfund choose, but you do have the option. So the standard we do is legally binding and non lapsing if you want it to be continuous. Yeah. So there's a couple of ways we do it is when it comes to the super funds and the insurers, they're pretty terrible at sending out notifications for how your beneficiary is lapsing, but we always incorporate it into our annual reviews. So as long as you're a client of Oakview, we will say, hey. Just checking your beneficiaries this year. Oh, it's gonna expire in April. Should we update that? We can have that reminder if you value that. Cool. I'll put that on kind of the cover letter instructions for you, but just give you a bit of time to kind of think it through. And when you got the forms in front of you, if you wanna go one way or the other, there's really no wrong answer with it as long as you do keep on top of it. If you put in place one that doesn't change and then, god forbid, you guys separate and you don't update it, that's a problem. If you make it expire and you don't update it, then there's nothing. That's a problem. So as long as every few years you you check it, you should be okay. Yeah. There's literally, like, a type of nomination box, and it's literally binding non lapsing or binding lapsing, and you could pick. Easy done. That was again, I've thrown a bit at you, but do you have any questions for me at this point? Absolutely. Once it comes through, if you wanna email me back with any questions, again, the team will reach out in a couple of weeks' time. But if you wanna call in before then and have a quick chat, anything you need, that's fine. If not, I'll make sure we've got everything together, and then hopefully, we can have a nice in-depth chat with your partner in the May. But anything in between that comes up, please just let me know. Awesome, Lauren. That's pretty much everything for me. Anything else I can help you with before I let you go? Thank you for your time, and I'll talk to you soon. You too. Thank you so much. 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afternoon, Lauren. It's Tommy here, senior adviser from Oakview. How are you doing today? Fantastic. It is a beautiful, brilliant day on the Gold Coast.\n\nWhat about your end? I know. Right? Don't have to run the air conditioners all the time. Was it yeah.\n\nI'm with you on that a 100%. I just had some updated advice documents to send through to you. I was wondering if you still had a bit of time this afternoon. Perfect. Just before I jump into it, usual security check.\n\nSo I'm registered with Asik as adviser 1273105. Are you okay to confirm your date of birth and address, please? Perfect. Thank you so much for that. And then are you okay for the call to be recorded?\n\nPerfect. So I've got your advice document here. I was talking with Kyle who's currently unavailable at the moment. So I was gonna shoot that through to your Gmail account. Do you have access to that today?\n\nCool. So Easy done. I'm gonna shoot that through now. Now with our new system, first time you receive an email from our new system, it may go to your spam box, and it may go to your main inbox. And I have had two instances where it took about nine minutes.\n\nSo just wanna instant and perfect. That's great. Awesome. So what I'd like you to do, if you could, please, is on that document itself, there's a number of attachments. There will be a, like, an appendix with some additional research and an updated financial services guide from Oakview just with all of our updated licensing information.\n\nBut there should actually be a link to review the statement of advice itself, like a little hyperlink. Can you see that there, and can you access it? Yep. And the first one that should pop up, it should have that sort of beachfront Gold Coast City logo on the front there. Perfect.\n\nPerfect. Perfect. So that's what I wanted to run through with you today. Just make sure you're comfortable with all of the recommendations that Carl put together. I did actually review them this morning as well just to make sure they're all good, and I have just put my name on the document just because I'll be the adviser presenting them to you.\n\nPerfect. So if you have a little scroll down about four pages, you should see the scope of advice heading, and it should say scope of advice considered in blue there. Can you see that? Perfect. So the main thing at the moment, from what I can gather as well is that we're doing some updated super advice, and it was mainly just around about updating your sustainable investments just to try and get them a little bit better and make things a little bit more ethical in your soup.\n\nDoes that sound about right? Yeah. And part of Carl's notes too and and that explanation was that you wanted to kind of explore just going a little bit more diversified with it. Because, obviously, if you go just into ethical, it tends to lean you into only a few different asset classes and shares. So just kind of branching out.\n\nDoes that sound right? Perfect. The only other thing that we've included as well was just adviser identified just to make sure that the beneficiary nominations were up to date for both the super and the MetLife, and just making sure that we've got, like, a will and a power of attorney in place. So as long as you don't have those, we tend to just do a bit of a reminder to try and get that in place. No.\n\nThat is totally fine. We can help you with beneficiaries and and, look, it's one of those things where at our age, it it's kind of out of sight, out of mind. And then once you start building up more assets and family and things like that, it becomes a little bit more kind of to the forefront. But it's, like, one of those things that if you do have that minute to even pop by the post office and get a $25 will kit, something's better than nothing. But at the very least, we just wanna make sure that your beneficiaries are going to the right spot as well.\n\nOh, congratulations. Yeah. So one of the things that I can kind of just tell you straight away too is we deal a lot with people trying to look after minors. So depending on how much you have in, like, super life insurance, other assets, just making sure that people who are 18 are looked after as well. So one of the things to think about, and it's not even really a conversation for today, is that once your your child is born and everything's good, do you still want everything to be going, for example, straight to a partner or somebody directly, or do you wanna put some provisions in place so that the child is looked after?\n\nBecause, obviously, everything would go to their guardian after you, and they would essentially control the funds. So if there's any issues with that, then there's other steps and things you can put in place. Cool. So when we do those reviews with you, we'll touch on it, and we'll kind of update your estate plan as we go alongside your super plan. Perfect.\n\nThe only other thing too was just on that next page, we have a limited consideration for insurance. Just making sure that, obviously, we keep the insurances in place and that we're factoring in the premiums to, like, the projections and things like that. K? Can you see that on that next page? It should say scope of advice limited consideration, and the one after that is what's not been considered in this document.\n\nSo the main thing there when it comes to, I guess, cash flow advice is that you obviously had a little goal there to go to Japan with your partner. We're obviously not giving you advice for that because that's something that you're able to sort of manage personally. We're really just focusing on updating the super at this point. Perfect. Debt management and investing.\n\nSo, obviously, the mortgage, getting that paid down, and something to sort of come back to is personal investments. If at any point you and your partner would like to investigate investing personally, that's something that we can certainly help with, but we're not doing that today. Does that sound right? Perfect. And that's one of my most fun conversations because we do a little bit of what I call like a toe dip into investing, where if you and your partner would like to just start investing with, like, a small amount and and just don't do anything too risky, with your current super fund, they actually offer investment accounts too, and they can be linked up with your super account.\n\nYou can have them on the one login, and they've got all the same investment options. So we can kind of take an approach there. And once the the baby is born too, we can also do investing towards, you know, helping them for a house deposit when they're 18. So there's things like bonds that we can do. So you can hand them, like, here's a nice package when you're 18.\n\nIt's all tax paid, and you can have a deposit for a house or whatever your goal is with your partner. Oh, fantastic. Yeah. Yeah. Yeah.\n\nAbsolutely. And are you considering taking off, like, a short or long span for, like, maternity leave and things like that as well? Mhmm. Yeah. It'll kind of put a pause on a few things just for a period of time and then sort of dive back into it after that as well.\n\nYeah. So that's certainly something we can do. Yeah. And that kind of sounds like something that we should possibly have as a bit of a joint discussion, or would you like to kind of just steer that ship and and have a discussion with myself or one of the advisers solo? What would be your preference?\n\nYeah. And just to kind of tailor that a little bit, can I just ask you two quick questions with regards to your current finances? So with the savings and shares that we have listed at the moment, would you say that the main usage for all the savings is just to have that kind of emergency fund buffer or sitting in an offset account for the mortgage? What's the kind of main use for funds at the moment? Yep.\n\nYeah. A bit of everything. Yeah. I've been doing that with my my wife the last few years because we just bought, like, an investment property as well. And she's basically just like, you're a financial planner.\n\nPlease sort it all out. But then she wants to make sure we've got some short term splurge money because we've got three kids and a third on the way. We're gonna have that holiday fund building up in the background, and then we've got to invest as well. So we actually went through with our bank and set up about four or five offset accounts, all offsetting the mortgage and had it all split into the different categories. I don't know if that might be helpful.\n\nYeah. Absolutely. And so two quick things I've got on that too is, like, when it comes to splitting up buckets, regardless of your income level, I find it helpful to kind of get a percentage picture about what the funds are going towards. So I'll give you an example with mine. So we have about 60% of our incomes going towards expenses.\n\nWe've got about 10%, which we put aside for, like, we call it splurging, 10% for the longer term fund that we don't wanna just spend it every week. We wanna build it up for a year and do the nice holiday. And then 20% goes towards filling up the savings. And then once the savings filled, it goes into investing. So we kind of everything pulls into that.\n\nSo even if I get bonuses or anything like that, pay rises and so on, it all gets split into those proportions. So I find just getting that picture about what categories are doing and and how much you're spending on each is kinda helpful because then you can see, look, are we overspending on the trivial things? Are our expenses too high? So, obviously, if your expenses are too high, your two options are either earn more or try and find ways to save on, you know, not having Disney plus and Netflix and and all those things. A little bit of both.\n\nSo the way we like to do it as well is we send through a bit of a budget planner if you don't already have one, and it just lets you input all of your different expenses and and cash flow items, and it'll convert it from weekly, fortnightly, monthly, quarterly, all that kind of thing. And that just goes that one extra step of depth so that we can talk about what may need to be increased or decreased. So I can definitely shoot you through a budget planner as well if you would like to go through that with your partner and bring that to the meeting. And then it's really just about stepping through the goals because have you ever gone through our, like, Oakview financial services guide before? Yeah.\n\nSo there's a really good little reminder in there. We call it an Oakview wealth cycle. And it's because everything with Oakview is tree analogies, it talks about setting in place your roots, building up that nice stable trunk over time, and then branching out into different things when the time is right. And it's basically just an analogy of stepping through life stages. So depending on where you're sitting with your partner, we would gradually move you along those stages towards the different areas as well.\n\nSo first things first is let's get a handle on the budget. And then once that's handled, we may spend three to twelve months just seeing how that runs in practice, and then we start diving into investment discussions and tie that into your debt goals to make sure that you can actually meet both goals and they're not conflicting with each other. So one of the things I would do with your partner as well is just do a personal risk profile because you probably don't wanna invest your money that you may access in five, ten years personally the exact same way that you do for your super that's locked away for thirty years. Does that kinda make sense? Yeah.\n\nSo after this meeting, I will shoot you through a bit of a budget planner. We can set a bit of a catch up to go through the budget side of things after that and then maybe go through some or in that meeting, I would like to just revisit your goals and sort of see what's the priorities for the short term and how far we should space everything out. Cool. So awesome. I'll make a few notes on the file, send you through the budget planner.\n\nJust have a chat to your partner about the few things that I mentioned in the email, and then we can we can go ahead and book a time, whether it's in a couple of weeks or three months or whenever it's appropriate for you both. Yeah. Great question. It's all included in the service fee that you already pay. The only difference would be, let's say, we go ahead and I'll just give you an example.\n\nI had a couple a couple of weeks ago who put in, I think, $75,000 into an investment platform that they wanted us to manage. Obviously, there's a fee to do the advice to set that up and manage that the same as the superannuation. But as far as those budget discussions, goal planning, that's all included. Awesome. Would love to do that with you guys.\n\nI'm just gonna double check with you because it may have been a little bit of time. Do you can you see in that advice document on page eight, nine, and 10, it's got an about you section with your personal details and your assets and liabilities. Can you just double check that those are pretty close to the market? They haven't changed significantly. And we've got phone number and email is still the same.\n\nStill a consultant psychologist earning about a 108,000. We've got the home, the savings, the shares, and the car. Perfect. We can't always capture the exact value on a certain day, but, obviously, things change every single day. If there's ever, like, a significant change of, say, more than 20% or something, it may impact the advice.\n\nSo I just wanted to double check with you. Perfect. Perfect. If you go through past there, you'll see the current super with hub twenty four, and you do have those MetLife insurances for the life TBD and income protection. You do have pretty well a full suite of insurances that's covering all of the debts.\n\nIt's covering your income. It's pretty much as good as you can possibly get, probably top 5%. If that continues to increase because it is not too bad just based on your age. But once you get through forties and fifties, that can jump up very quickly. So as you pay down the debts, part of that discussion may be, do we reduce insurances down as you pay down your mortgage versus investing and building your assets up on the other side?\n\nSo we have factored that into the projections because I know we're updating the portfolio for the super. We just wanna make sure that it's still tracking along pretty well. And you do still have trauma insurance as well, which you've paid out of pocket, and that's for your heart attack, stroke, and cancer. There's other conditions as well, but it's just those ones outside of, you know, death and disability, the main lump sums. Perfect.\n\nYour risk profile on page twelve thirteen, we've still got you as a high growth. So, again, focused on high long term returns. Obviously, a bit of a roller coaster ride in between. I'm not sure if you've seen what's been happening the last couple of months. Yep.\n\nThe ups and downs we're experiencing at the moment, double digit swings, 10% and above. And even in the span of two days, the funds could go up and down four or 5%. So it's definitely we tend to use a lot of buzzwords in the industry like volatility and risk and things like that, but what I'm basically saying is that right now with everything going on, it's just higher highs and lower lows compared to what it was like last year, which was a bit more slow moving. K. So if you scroll down past there, you should see on page 14 strategy recommendations.\n\nIt is a bit of a wall of text, so I just wanna kind of summarize it for you. But if you can let me know when you can see that. Cool. So there is an investment switch recommended here, which will be in a table below. But, basically, the main best interest duty here just talks about trying to leave you in a better position and trying to meet your goals.\n\nSo things that we factored into this is not just insurance premiums, fees, and taxes. It's also like capital gains tax for your super by switching your investments around. So because we've got control under the hood, we can actually see what that is, whereas most of the funds is just kind of hidden. So we have to make sure that we're careful with that when we're moving things around. We have your retirement age still set currently for around about 65.\n\nObviously, give or take, if you can go a little bit earlier, that's ideal. But what we can't do is project out thirty one years and say you are definitely on track, factoring in all your life changes, inflation, cost of living. Like, there's a bit too many variables. So we just start off with, like, a ten year projection just to try and get you in a better position. K.\n\nSo if you scroll down past there, you'll see a table that lists, like, advantages and disadvantages. And, basically, the main thing is the investments Carl's picks is just trying to get you into some lower fee ETFs, reduce that investment fees a little bit, keep you in line with your risk profile, and just get you a little bit better on the performance side. Because of all of the fluctuations in your investments, the switches he was looking to recommend, he was able to offset any gains with some losses so that you don't pay any capital gains tax through your super. So the only real disadvantage is that we can't guarantee performance because the markets do what they do, And all the investments that we use, they're ETFs, so there's brokerage fees. You purchase them up front.\n\nIt's a little bit of an entry cost, but then they're lower fee ongoing, so we have to factor that in as well. K? If you go through past that point, you will see an investments table on page 17. It will be like a blue table with a little bit of red text about what investments are being sold and some black text for what's being bought. Can you see that there?\n\nYep. Now I won't go too too crazy into this, but the main thing is there's a reduction in your sustainable options, which is the top two. And they're basically being brought back to, like, a flat weighting. So if you see in the current weighting column, 30.29%. And then on the right hand side, you'll see, like, a 15% flat.\n\nSo what Carl and the team basically did is we punched all of those investment options in to get all the different assets, and we're just trying to bring it down a little bit so that you're not too heavy into one type of asset. So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently. So 5% to that. And then a few things like the bottom there, the S and P 500. That's just your standard top 500 companies in The US.\n\nAnd, again, the S and P 500, probably, like, the best performing index in the world at the moment over the long term. K. So there's a few little things there. And a slight bump up to your the Aware shares there in the middle, which are a little bit more towards the ethical side, but they're not straight into mining companies, but they're also not purely into just green energy. They're a little bit of a hybrid mix, if you will.\n\nK? So if you go down past there, you will see the asset allocation pie chart after that. Your risk profile being high growth, you have a range between 90 to a 100% being in growth assets, which is like shares, property, and gold. You're currently sitting about 93 with the recommended changes. It's sitting at about just under 95.\n\nIt's pretty much smack bang in the middle of that risk profile. K? So very little in the way of, like, safe, low fee investments, but, obviously, the whole point there is get higher long term returns, build up your funds. And then when you're approaching retirement, you probably don't wanna be high growth at 64 and lose half your super, so we have to protect it gradually as you get closer. So how we basically do that is once you hit that last ten years, we're probably gonna start reducing your growth allocation from ninety percent eighty, seventy, sixty, fifty, 40, and there's your safe pension account to live off.\n\nMakes sense? Perfect. There's a bit of a fee comparison on the next page. So, basically, with the same platform in Hub 24, there's no difference in the cost of the account, but it reduces the investment fees by about a $137, which is around about a third off on the investment percentage fee. K?\n\nYeah. So that's more ongoing because those investment fees talk about, they call it the MER, which is a percentage investment fee before you get your performance, before you get your your returns. And then the returns that you get in your account are after fees. They're the net returns. K?\n\nThe only thing there would be the brokerages, I think, 0.11% for Hub. They do something called aggregated trading. Has anyone mentioned that to you before in your last review with Kyle? It's probably the last sort of technical thing I'm gonna throw at you because I don't wanna bombard you with jargon. But this really cool thing that Hub does is if you're buying or selling shares and ETFs and someone else is buying and selling them, instead of paying brokerage fees, they can just swap them between the people.\n\nWhat that basically does, we can't actually estimate the savings, but it's somewhere between zero and seventy percent of the brokerage fees get waived depending on who's trading what. Most of the people I've seen, it reduces it by at least 50%. So it's just a cool little feature they do. Yes. Exactly.\n\nRight. So if I do it today, it can be the last week. It will depend on what proportion gets aggregated. Yeah. A similar thing is how I mentioned before the fee linking.\n\nSo let's say we did have an investment account one day, it would average out between your super and the investment, and it would push you along the tiered admin fee a little bit quicker. So Hub will reduce your percentage admin fee when you go above 250,000, and it drops very quickly from, I think, 0.36% to, like, 0.12. It drops in, like, a third. So once you've got pension accounts, super accounts, investment accounts, even with your partner potentially, you can link all of them together, and you could even have six to eight accounts linked together and then just reduce the fees across the whole lot. So this is just based on your balance at the moment.\n\nIf that comes into it, we do have calculators that can show us that as well. Cool. Performance wise, we did a bit of an estimate going backwards five years just to show you a bit of a five year rolling average at the bottom of that table. 9.66% versus 11.18. Again, that's just going backwards, so don't really know exactly what's gonna happen with the market this year and next year, but just showing that in the same scenarios, the performance difference.\n\nSure. Fingers crossed. The main thing here too is most portfolio updates, you're pretty well likely that in any scenario to get that little bit of a performance difference that we're aiming for, pretty well, it's highly probable. The only difference with yours is that switching from ethical shares to to different assets means that if the green energy sector goes up and the mining sector goes down, you're gonna get a bit of a split between the two portfolios. So it just makes it slightly less certain, if that makes sense.\n\nYeah. And the main thing that we do, there's a little bit of an estimate on the next page that has a bit of a five to ten year projection just to try and get you in a better position. But I guess the main the main expectation that I can give you is all of these picks are supposed to average out better over a long period of time. So over ten, twenty, thirty years, it's to get you in a better position. Regardless of what happens in three or six months, if the averages are better taking into account all of the cycles that have already happened, and I'm talking global financial crisis, COVID, this current situation.\n\nIf it averages out better every single time, then you've got a much better chance of getting a better outcome. Yes. Yes. Great spot. Great spot.\n\nSo when we were going back through it, basically, if we think ten years back from now, that's 2016. From 2016 to 2021, the sustainable sector had a huge search, and all of those companies Yeah. So this is looking backwards. So, basically, what we're trying to do is make sure that going forward, it's looking better. So the the weird trick that we have to play is looking backwards, trying to get better performance like for like in the same scenarios, but at the same time, then factor in what may happen going forward as well.\n\nAnd Yep. Though I love all of those types of companies, they had such a massive surge in those five years that everyone started selling them off gradually in the last five to six years or so. We still wanna keep you in them, of course, but they haven't been, I guess, projected to do as well as, like, your gold and your other assets over the next ten years. Correct. Correct.\n\nI might even update our template a little bit to make that a little bit more user friendly to show this is going forward. This is going backwards, but exactly right. That's our projection going forwards with all of the contributions, fees, returns, and everything mixed together. And then below that just says, hey. If we just pull your investments off to the side and look backwards over short, medium, long term, this is how they kind of stack up beside each other.\n\nCool. I think the main thing for you as well, like, when I was talking to Carl about your portfolio, is he wanted to get a bit of consistency into it so that it wasn't such like, yes, high growth has wild swings, but a bit more consistency so that if different sectors or different things, you're not having a year where you do very little or very large, that you're always hitting that average double digit return because high growth is basically like a benchmark of 10%. If you can get ten, eleven, twelve, thirteen consistently, you're pretty well on track. Cool. So that's pretty much the super side of the advice.\n\nEverything else in this document just goes through updating your beneficiaries with Hub and MetLife. So I won't reexplain why you should have a beneficiary nomination and say where things go. And, again, please sort out a will and a power of attorney if and when you can. Do you have any questions for me so far? I have your account open in front of me.\n\nI didn't specifically plug in when you last spoke with Kyle, though, because I can't don't don't actually know off the top of my head when that was. Bit of an update. Yeah. So when we looked at the last review, it was pretty well flat at that point because some of those assets had just gone down, and it pretty well hit that zero point I think it's 35% that we've got in the in that table you saw above for the twelve months. Since then, it's picked up another two or 3%, so it started going back up again.\n\nAnd, realistically, everything has gone back into the positive except for that one sustainability option. Everything else has jumped up nine, seven, 14%, and just that one sustainability option had gone down 5.5. So what I'm kinda doing there is I I'm taking a twelve month performance snapshot. And then, obviously, as time moves on, it's taking that start and finish date, and it's sliding along with time as well. So I've just run that from today backwards compared to the last time we ran the report.\n\nTo translate that into dollar value terms, which is probably a little bit easier to see, you had a bit of a drop down to 74,000, and it's jumped back up to 77,000 in two weeks, apparently, is we finally had a jump back up in the markets. Yeah. And I think the main, like, expectation I can give you as well is that when I said volatility increases, so higher highs and lower lows, basically, what we do is your contributions come in and they buy into all these options gradually. So because they're low fee ETFs, they will follow the market sectors that you're investing in up and down. We buy all these different sectors, shares, properties, and gold, and when the market goes back up, you should get a really strong double digit return on the way back up.\n\nAnd then we average that out and see how it looks because there's always a cycle. It grows for five years and crashes, grows for five years and crashes. We wanna make sure that after every cycle, you're still getting that 10% benchmark until you're you've got a million dollars and you're 62, and we can focus on protecting it. Yep. If at any point we have these future discussions about personal investments or your super and you wanna investigate different styles of investment, so, you know, how you went from, like, sustainability to mixing in a few other asset classes, we can change styles to suit the behavior that you're comfortable with.\n\nCool. So as long as you know what your soup is gonna do, basically, long and short of it is it's gonna shoot up and down all year. And then once there's some normalcy, it should start that upward trend again, and then we will kind of review that and say, did it get what we expected? Cool. The other things too towards the end of the document, we always reiterate, like, our fees coming up because I know you signed, like, an updated service agreement with us, but that same 1.65% is still factored in.\n\nThat's still disclosed there just to make sure we're disclosing what we're charging throughout the year. Anytime with insurances, they always pay that 22% kind of ongoing commission to help manage the policies, whether it's MetLife, Tal, whoever it is. So my reminder there is if something happens, we're obviously not gonna be the first person that you call, but we do do claims assistance. So if you need a claim on your insurance, we help you through the claim. And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last.\n\nSo always bear that in mind, but if anything changes, we'll capture that in the future discussions. Would love for you to call in if something major happens in your life. But if not, when we review you, we'll talk through those as well. Cool. Do you want me to set up a bit of a catch up or get the team to just give you a call in a couple of weeks to see how you and your partner are going with the the budgeting and everything?\n\nBecause I'm thinking I might shoot that email through after this and give you a bit of time. And then once you guys are ready, book in for, like, a proper consultation, if that's okay. Awesome. So if I look over the next fortnight or so, from the week of the twenty seventh, I'll get the team to give you a call. And after that point, I'm actually going on paternity leave in the first couple of weeks of June as well.\n\nSo I would love to catch up with you guys early May and talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as well. Awesome. Outside of that, we've got some steps to implement the advice. So it always starts with your consent. Once you're happy and signed the SOA that you've got, we can basically just hop on to Hub, and the team this week will switch your investments around.\n\nWe will prefill in some beneficiary forms for you and help you through those. Have you gone through beneficiary forms before, like gotten them witnessed and so on? So just to quickly cap things off is let's say we send you blank forms. You basically have to put in your details and your nominees details, let's say your partner. From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't the beneficiary.\n\nSo we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in. Just whatever is easier for you. Yep. Easy done. So we'll send out one for Hub, one for MetLife with some instructions there.\n\nIf you run any trouble, just call the team, and they can walk you through it. And they can pretty much do it two minutes on the phone. Do you remember talking with Kyle about the type of nomination you were trying to put in place by any chance? So the super easy of it is you can choose whether your nomination is a non lapsing or a lapsing. So whether it expires after three years or if it just continues on until you change it.\n\nThe other options, which are quite strange, but you can choose whether it's legally binding or not, I don't really see anybody doing a non legally binding nomination because it gives the trustee discretion. I don't know why you would let the Superfund choose, but you do have the option. So the standard we do is legally binding and non lapsing if you want it to be continuous. Yeah. So there's a couple of ways we do it is when it comes to the super funds and the insurers, they're pretty terrible at sending out notifications for how your beneficiary is lapsing, but we always incorporate it into our annual reviews.\n\nSo as long as you're a client of Oakview, we will say, hey. Just checking your beneficiaries this year. Oh, it's gonna expire in April. Should we update that? We can have that reminder if you value that.\n\nCool. I'll put that on kind of the cover letter instructions for you, but just give you a bit of time to kind of think it through. And when you got the forms in front of you, if you wanna go one way or the other, there's really no wrong answer with it as long as you do keep on top of it. If you put in place one that doesn't change and then, god forbid, you guys separate and you don't update it, that's a problem. If you make it expire and you don't update it, then there's nothing.\n\nThat's a problem. So as long as every few years you you check it, you should be okay. Yeah. There's literally, like, a type of nomination box, and it's literally binding non lapsing or binding lapsing, and you could pick. Easy done.\n\nThat was again, I've thrown a bit at you, but do you have any questions for me at this point? Absolutely. Once it comes through, if you wanna email me back with any questions, again, the team will reach out in a couple of weeks' time. But if you wanna call in before then and have a quick chat, anything you need, that's fine. If not, I'll make sure we've got everything together, and then hopefully, we can have a nice in-depth chat with your partner in the May.\n\nBut anything in between that comes up, please just let me know. Awesome, Lauren. That's pretty much everything for me. Anything else I can help you with before I let you go? Thank you for your time, and I'll talk to you soon.\n\nYou too. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Lauren.","start":2.48,"end":3.52,"sentiment":"neutral","sentiment_score":0.295440008242925},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.18700240126677922},{"text":"How are you doing today?","start":5.68,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22496841549873353},{"text":"Fantastic.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.7950206995010376},{"text":"It is a beautiful, brilliant day on the Gold Coast.","start":9.599999,"end":12.24,"sentiment":"positive","sentiment_score":0.793334013223648}],"sentiment":"positive","sentiment_score":0.46340537472413135,"num_words":26,"start":2.48,"end":12.24},{"sentences":[{"text":"What about your end?","start":12.24,"end":13.38,"sentiment":"neutral","sentiment_score":0.2117497380822897},{"text":"I know.","start":19.185,"end":19.585,"sentiment":"neutral","sentiment_score":0.17273012548685074},{"text":"Right?","start":19.585,"end":19.905,"sentiment":"neutral","sentiment_score":0.10809358209371568},{"text":"Don't have to run the air conditioners all the time.","start":19.905,"end":21.904999,"sentiment":"neutral","sentiment_score":0.029649927839636804},{"text":"Was it yeah.","start":21.904999,"end":22.805,"sentiment":"neutral","sentiment_score":0.04238675658901533}],"sentiment":"neutral","sentiment_score":0.0862106166779995,"num_words":20,"start":12.24,"end":22.805},{"sentences":[{"text":"I'm with you on that a 100%.","start":25.265,"end":27.365,"sentiment":"neutral","sentiment_score":0.30460518172809053},{"text":"I just had some updated advice documents to send through to you.","start":28.619999,"end":32.02,"sentiment":"neutral","sentiment_score":0.08555171949168046},{"text":"I was wondering if you still had a bit of time this afternoon.","start":32.02,"end":34.239998,"sentiment":"neutral","sentiment_score":0.02021852766092007},{"text":"Perfect.","start":36.86,"end":37.36,"sentiment":"positive","sentiment_score":0.35614779591560364},{"text":"Just before I jump into it, usual security check.","start":37.98,"end":40.935,"sentiment":"neutral","sentiment_score":0.06038169997433821}],"sentiment":"neutral","sentiment_score":0.10288763955412876,"num_words":42,"start":25.265,"end":40.935},{"sentences":[{"text":"So I'm registered with Asik as adviser 1273105.","start":41.015003,"end":45.835003,"sentiment":"neutral","sentiment_score":0.04236112395301461},{"text":"Are you okay to confirm your date of birth and address, please?","start":45.895,"end":48.635002,"sentiment":"neutral","sentiment_score":0.02734460836897294},{"text":"Perfect.","start":56.39,"end":56.79,"sentiment":"positive","sentiment_score":0.3429882228374481},{"text":"Thank you so much for that.","start":56.79,"end":57.75,"sentiment":"positive","sentiment_score":0.5211903750896454},{"text":"And then are you okay for the call to be recorded?","start":57.75,"end":59.77,"sentiment":"neutral","sentiment_score":0.07576409354805946}],"sentiment":"neutral","sentiment_score":0.13080420511725702,"num_words":38,"start":41.015003,"end":59.77},{"sentences":[{"text":"Perfect.","start":61.91,"end":62.41,"sentiment":"neutral","sentiment_score":0.2100953757762909},{"text":"So I've got your advice document here.","start":62.47,"end":64.63,"sentiment":"neutral","sentiment_score":0.04405990322785718},{"text":"I was talking with Kyle who's currently unavailable at the moment.","start":64.63,"end":68.57,"sentiment":"neutral","sentiment_score":-0.010273262943056497},{"text":"So I was gonna shoot that through to your Gmail account.","start":68.895,"end":71.935,"sentiment":"neutral","sentiment_score":0.019101279449056496},{"text":"Do you have access to that today?","start":71.935,"end":73.555,"sentiment":"neutral","sentiment_score":0.006110509458397116}],"sentiment":"neutral","sentiment_score":0.017794498544488405,"num_words":37,"start":61.91,"end":73.555},{"sentences":[{"text":"Cool.","start":75.295,"end":75.615,"sentiment":"neutral","sentiment_score":0.08978595584630966},{"text":"So Easy done.","start":75.615,"end":78.015,"sentiment":"neutral","sentiment_score":0.1784016378223896},{"text":"I'm gonna shoot that through now.","start":78.015,"end":79.455,"sentiment":"neutral","sentiment_score":0.09424468129873276},{"text":"Now with our new system, first time you receive an email from our new system, it may go to your spam box, and it may go to your main inbox.","start":79.455,"end":87.09,"sentiment":"neutral","sentiment_score":-0.0007318364145855108},{"text":"And I have had two instances where it took about nine minutes.","start":87.549995,"end":91.149994,"sentiment":"neutral","sentiment_score":-0.00225990762313207}],"sentiment":"neutral","sentiment_score":0.021949711022898555,"num_words":52,"start":75.295,"end":91.149994},{"sentences":[{"text":"So just wanna instant and perfect.","start":91.149994,"end":95.075,"sentiment":"neutral","sentiment_score":0.24135400727391243},{"text":"That's great.","start":95.075,"end":95.895,"sentiment":"positive","sentiment_score":0.5290284752845764},{"text":"Awesome.","start":97.715,"end":98.195,"sentiment":"positive","sentiment_score":0.3474292755126953},{"text":"So what I'd like you to do, if you could, please, is on that document itself, there's a number of attachments.","start":98.195,"end":103.975,"sentiment":"neutral","sentiment_score":0.05357951901498295},{"text":"There will be a, like, an appendix with some additional research and an updated financial services guide from Oakview just with all of our updated licensing information.","start":104.435,"end":115.4,"sentiment":"neutral","sentiment_score":0.06932183372339716}],"sentiment":"neutral","sentiment_score":0.10263981893985417,"num_words":57,"start":91.149994,"end":115.4},{"sentences":[{"text":"But there should actually be a link to review the statement of advice itself, like a little hyperlink.","start":115.94,"end":121.405,"sentiment":"neutral","sentiment_score":0.038507078049911395},{"text":"Can you see that there, and can you access it?","start":121.465,"end":123.805,"sentiment":"neutral","sentiment_score":0.02791681159287691},{"text":"Yep.","start":128.185,"end":128.425,"sentiment":"neutral","sentiment_score":0.04331184923648834},{"text":"And the first one that should pop up, it should have that sort of beachfront Gold Coast City logo on the front there.","start":128.425,"end":134.925,"sentiment":"neutral","sentiment_score":0.06063349852743356},{"text":"Perfect.","start":139.21,"end":139.71,"sentiment":"positive","sentiment_score":0.7361024618148804}],"sentiment":"neutral","sentiment_score":0.059363779207726695,"num_words":53,"start":115.94,"end":139.71},{"sentences":[{"text":"Perfect.","start":141.85,"end":142.25,"sentiment":"positive","sentiment_score":0.6989957094192505},{"text":"Perfect.","start":142.25,"end":142.49,"sentiment":"positive","sentiment_score":0.7027863264083862},{"text":"So that's what I wanted to run through with you today.","start":142.49,"end":144.97,"sentiment":"positive","sentiment_score":0.47981424765153363},{"text":"Just make sure you're comfortable with all of the recommendations that Carl put together.","start":144.97,"end":148.75,"sentiment":"neutral","sentiment_score":0.3296766366277422},{"text":"I did actually review them this morning as well just to make sure they're all good, and I have just put my name on the document just because I'll be the adviser presenting them to you.","start":148.955,"end":158.735,"sentiment":"neutral","sentiment_score":0.2878203247156408}],"sentiment":"positive","sentiment_score":0.3437578311515233,"num_words":63,"start":141.85,"end":158.735},{"sentences":[{"text":"Perfect.","start":160.555,"end":161.035,"sentiment":"neutral","sentiment_score":0.2590440511703491},{"text":"So if you have a little scroll down about four pages, you should see the scope of advice heading, and it should say scope of advice considered in blue there.","start":161.035,"end":170.26,"sentiment":"neutral","sentiment_score":0.10040444197754066},{"text":"Can you see that?","start":170.26,"end":171.23999,"sentiment":"neutral","sentiment_score":0.046461090445518494},{"text":"Perfect.","start":173.06,"end":173.54,"sentiment":"positive","sentiment_score":0.3564414381980896},{"text":"So the main thing at the moment, from what I can gather as well is that we're doing some updated super advice, and it was mainly just around about updating your sustainable investments just to try and get them a little bit better and make things a little bit more ethical in your soup.","start":173.54,"end":190.02501,"sentiment":"neutral","sentiment_score":0.1882880410110509}],"sentiment":"neutral","sentiment_score":0.1553446369452609,"num_words":90,"start":160.555,"end":190.02501},{"sentences":[{"text":"Does that sound about right?","start":190.02501,"end":191.405,"sentiment":"neutral","sentiment_score":0.08145032152533531},{"text":"Yeah.","start":217.67,"end":218.07,"sentiment":"neutral","sentiment_score":0.06643690913915634},{"text":"And part of Carl's notes too and and that explanation was that you wanted to kind of explore just going a little bit more diversified with it.","start":218.07,"end":225.11,"sentiment":"neutral","sentiment_score":0.08916242682823429},{"text":"Because, obviously, if you go just into ethical, it tends to lean you into only a few different asset classes and shares.","start":225.11,"end":231.905,"sentiment":"neutral","sentiment_score":0.07798336691815745},{"text":"So just kind of branching out.","start":232.125,"end":233.485,"sentiment":"neutral","sentiment_score":0.07469664451976617}],"sentiment":"neutral","sentiment_score":0.08270308164665933,"num_words":61,"start":190.02501,"end":233.485},{"sentences":[{"text":"Does that sound right?","start":233.485,"end":234.545,"sentiment":"neutral","sentiment_score":0.1346669066697359},{"text":"Perfect.","start":237.325,"end":237.825,"sentiment":"neutral","sentiment_score":0.1314946711063385},{"text":"The only other thing that we've included as well was just adviser identified just to make sure that the beneficiary nominations were up to date for both the super and the MetLife, and just making sure that we've got, like, a will and a power of attorney in place.","start":237.885,"end":253.54,"sentiment":"neutral","sentiment_score":0.12088938848096498},{"text":"So as long as you don't have those, we tend to just do a bit of a reminder to try and get that in place.","start":253.54,"end":258.68,"sentiment":"neutral","sentiment_score":0.08887706115841866},{"text":"No.","start":263.795,"end":264.035,"sentiment":"neutral","sentiment_score":-0.13105280697345734}],"sentiment":"neutral","sentiment_score":0.10855770069174468,"num_words":80,"start":233.485,"end":264.035},{"sentences":[{"text":"That is totally fine.","start":264.035,"end":265.39502,"sentiment":"neutral","sentiment_score":0.06893399357795715},{"text":"We can help you with beneficiaries and and, look, it's one of those things where at our age, it it's kind of out of sight, out of mind.","start":265.39502,"end":272.995,"sentiment":"neutral","sentiment_score":-0.033425076914552064},{"text":"And then once you start building up more assets and family and things like that, it becomes a little bit more kind of to the forefront.","start":272.995,"end":279.87003,"sentiment":"neutral","sentiment_score":0.018467542643730458},{"text":"But it's, like, one of those things that if you do have that minute to even pop by the post office and get a $25 will kit, something's better than nothing.","start":280.25,"end":289.55002,"sentiment":"neutral","sentiment_score":0.31004982513766133},{"text":"But at the very least, we just wanna make sure that your beneficiaries are going to the right spot as well.","start":290.445,"end":294.785,"sentiment":"neutral","sentiment_score":0.32088462582656313}],"sentiment":"neutral","sentiment_score":0.1470010150096972,"num_words":110,"start":264.035,"end":294.785},{"sentences":[{"text":"Oh, congratulations.","start":303.18,"end":308.08,"sentiment":"positive","sentiment_score":0.4833957105875015},{"text":"Yeah.","start":311.18,"end":311.66,"sentiment":"neutral","sentiment_score":0.19683262705802915},{"text":"So one of the things that I can kind of just tell you straight away too is we deal a lot with people trying to look after minors.","start":311.66,"end":319.165,"sentiment":"neutral","sentiment_score":0.12002256326377392},{"text":"So depending on how much you have in, like, super life insurance, other assets, just making sure that people who are 18 are looked after as well.","start":319.385,"end":330.12,"sentiment":"neutral","sentiment_score":0.1124578373575652},{"text":"So one of the things to think about, and it's not even really a conversation for today, is that once your your child is born and everything's good, do you still want everything to be going, for example, straight to a partner or somebody directly, or do you wanna put some provisions in place so that the child is looked after?","start":331.32,"end":350.375,"sentiment":"neutral","sentiment_score":0.09531818495177832}],"sentiment":"neutral","sentiment_score":0.11239518243976,"num_words":119,"start":303.18,"end":350.375},{"sentences":[{"text":"Because, obviously, everything would go to their guardian after you, and they would essentially control the funds.","start":350.375,"end":357.095,"sentiment":"neutral","sentiment_score":-0.039931218961582464},{"text":"So if there's any issues with that, then there's other steps and things you can put in place.","start":357.095,"end":361.97,"sentiment":"neutral","sentiment_score":0.016637217421602044},{"text":"Cool.","start":364.43,"end":364.83002,"sentiment":"positive","sentiment_score":0.4570138454437256},{"text":"So when we do those reviews with you, we'll touch on it, and we'll kind of update your estate plan as we go alongside your super plan.","start":364.83002,"end":371.565,"sentiment":"positive","sentiment_score":0.3810786693184464},{"text":"Perfect.","start":374.045,"end":374.545,"sentiment":"positive","sentiment_score":0.607368528842926}],"sentiment":"neutral","sentiment_score":0.17147102558010374,"num_words":64,"start":350.375,"end":374.545},{"sentences":[{"text":"The only other thing too was just on that next page, we have a limited consideration for insurance.","start":374.925,"end":380.225,"sentiment":"neutral","sentiment_score":-0.053444847671522036},{"text":"Just making sure that, obviously, we keep the insurances in place and that we're factoring in the premiums to, like, the projections and things like that.","start":381.005,"end":388.88998,"sentiment":"neutral","sentiment_score":-0.06749549207205956},{"text":"K?","start":391.43,"end":391.93,"sentiment":"neutral","sentiment_score":-0.025854382663965225},{"text":"Can you see that on that next page?","start":392.55,"end":394.15,"sentiment":"neutral","sentiment_score":-0.0316278284881264},{"text":"It should say scope of advice limited consideration, and the one after that is what's not been considered in this document.","start":394.15,"end":400.88998,"sentiment":"neutral","sentiment_score":-0.13354967357147307}],"sentiment":"neutral","sentiment_score":-0.07838257037203859,"num_words":74,"start":374.925,"end":400.88998},{"sentences":[{"text":"So the main thing there when it comes to, I guess, cash flow advice is that you obviously had a little goal there to go to Japan with your partner.","start":406.04498,"end":414.56,"sentiment":"neutral","sentiment_score":-0.056020194416244826},{"text":"We're obviously not giving you advice for that because that's something that you're able to sort of manage personally.","start":414.78,"end":419.36002,"sentiment":"neutral","sentiment_score":-0.21584610405721164},{"text":"We're really just focusing on updating the super at this point.","start":419.9,"end":422.88,"sentiment":"neutral","sentiment_score":-0.02828932824459943},{"text":"Perfect.","start":425.18,"end":425.68,"sentiment":"neutral","sentiment_score":0.32456332445144653},{"text":"Debt management and investing.","start":427.065,"end":428.585,"sentiment":"neutral","sentiment_score":0.07526450231671333}],"sentiment":"neutral","sentiment_score":-0.08411143210071784,"num_words":65,"start":406.04498,"end":428.585},{"sentences":[{"text":"So, obviously, the mortgage, getting that paid down, and something to sort of come back to is personal investments.","start":428.585,"end":435.725,"sentiment":"neutral","sentiment_score":0.022469727812628997},{"text":"If at any point you and your partner would like to investigate investing personally, that's something that we can certainly help with, but we're not doing that today.","start":436.185,"end":444.69,"sentiment":"neutral","sentiment_score":-0.04348567540624312},{"text":"Does that sound right?","start":444.69,"end":445.83,"sentiment":"neutral","sentiment_score":0.0273218946531415},{"text":"Perfect.","start":471.03998,"end":471.43997,"sentiment":"neutral","sentiment_score":0.022151801735162735},{"text":"And that's one of my most fun conversations because we do a little bit of what I call like a toe dip into investing, where if you and your partner would like to just start investing with, like, a small amount and and just don't do anything too risky, with your current super fund, they actually offer investment accounts too, and they can be linked up with your super account.","start":471.43997,"end":493.205,"sentiment":"neutral","sentiment_score":0.28137741099510877}],"sentiment":"neutral","sentiment_score":0.15604249235303674,"num_words":122,"start":428.585,"end":493.205},{"sentences":[{"text":"You can have them on the one login, and they've got all the same investment options.","start":493.205,"end":497.24,"sentiment":"neutral","sentiment_score":0.25246483366936445},{"text":"So we can kind of take an approach there.","start":498.9,"end":501.08,"sentiment":"neutral","sentiment_score":0.12330705920855205},{"text":"And once the the baby is born too, we can also do investing towards, you know, helping them for a house deposit when they're 18.","start":501.62,"end":508.34,"sentiment":"neutral","sentiment_score":0.20349254131317138},{"text":"So there's things like bonds that we can do.","start":508.34,"end":510.955,"sentiment":"neutral","sentiment_score":0.22164163324568006},{"text":"So you can hand them, like, here's a nice package when you're 18.","start":510.955,"end":513.935,"sentiment":"neutral","sentiment_score":0.32834477722644806}],"sentiment":"neutral","sentiment_score":0.22916348899404207,"num_words":72,"start":493.205,"end":513.935},{"sentences":[{"text":"It's all tax paid, and you can have a deposit for a house or whatever your goal is with your partner.","start":514.155,"end":519.615,"sentiment":"neutral","sentiment_score":0.15400565131789162},{"text":"Oh, fantastic.","start":533.995,"end":534.73505,"sentiment":"positive","sentiment_score":0.5668568313121796},{"text":"Yeah.","start":535.03503,"end":535.275,"sentiment":"neutral","sentiment_score":0.2861817479133606},{"text":"Yeah.","start":535.275,"end":535.775,"sentiment":"neutral","sentiment_score":0.245240181684494},{"text":"Yeah.","start":572.12,"end":572.44,"sentiment":"neutral","sentiment_score":0.16915751993656158}],"sentiment":"neutral","sentiment_score":0.19493891499363458,"num_words":26,"start":514.155,"end":572.44},{"sentences":[{"text":"Absolutely.","start":572.44,"end":572.94,"sentiment":"neutral","sentiment_score":0.1850334256887436},{"text":"And are you considering taking off, like, a short or long span for, like, maternity leave and things like that as well?","start":573.16003,"end":579.42,"sentiment":"neutral","sentiment_score":0.0702110639011318},{"text":"Mhmm.","start":591.335,"end":591.41504,"sentiment":"neutral","sentiment_score":-0.009004550985991955},{"text":"Yeah.","start":591.41504,"end":591.815,"sentiment":"neutral","sentiment_score":-0.029661016538739204},{"text":"It'll kind of put a pause on a few things just for a period of time and then sort of dive back into it after that as well.","start":591.815,"end":599.11,"sentiment":"neutral","sentiment_score":-0.004297051844852311}],"sentiment":"neutral","sentiment_score":0.029635732308170706,"num_words":53,"start":572.44,"end":599.11},{"sentences":[{"text":"Yeah.","start":601.25,"end":601.49,"sentiment":"neutral","sentiment_score":0.3227548599243164},{"text":"So that's certainly something we can do.","start":601.49,"end":603.67,"sentiment":"positive","sentiment_score":0.5952508449554443},{"text":"Yeah.","start":603.97,"end":604.47,"sentiment":"positive","sentiment_score":0.37618374824523926},{"text":"And that kind of sounds like something that we should possibly have as a bit of a joint discussion, or would you like to kind of just steer that ship and and have a discussion with myself or one of the advisers solo?","start":606.05,"end":617.48505,"sentiment":"neutral","sentiment_score":0.24530073168665864},{"text":"What would be your preference?","start":617.945,"end":619.16504,"sentiment":"neutral","sentiment_score":0.06612831577658654}],"sentiment":"neutral","sentiment_score":0.27621522042573543,"num_words":57,"start":601.25,"end":619.16504},{"sentences":[{"text":"Yeah.","start":645.815,"end":646.21497,"sentiment":"neutral","sentiment_score":0.16837573051452637},{"text":"And just to kind of tailor that a little bit, can I just ask you two quick questions with regards to your current finances?","start":646.21497,"end":651.755,"sentiment":"neutral","sentiment_score":0.11051025055348873},{"text":"So with the savings and shares that we have listed at the moment, would you say that the main usage for all the savings is just to have that kind of emergency fund buffer or sitting in an offset account for the mortgage?","start":653.32,"end":665.88,"sentiment":"neutral","sentiment_score":0.07767922205980433},{"text":"What's the kind of main use for funds at the moment?","start":665.88,"end":675.074,"sentiment":"neutral","sentiment_score":0.020776736465367405},{"text":"Yep.","start":676.977,"end":677.477,"sentiment":"neutral","sentiment_score":0.05950299650430679}],"sentiment":"neutral","sentiment_score":0.08061094237491488,"num_words":80,"start":645.815,"end":677.477},{"sentences":[{"text":"Yeah.","start":697.555,"end":697.755,"sentiment":"neutral","sentiment_score":0.04252025485038757},{"text":"A bit of everything.","start":697.755,"end":698.85504,"sentiment":"neutral","sentiment_score":0.013104974292218685},{"text":"Yeah.","start":713.41,"end":713.91,"sentiment":"neutral","sentiment_score":0.02545748651027679},{"text":"I've been doing that with my my wife the last few years because we just bought, like, an investment property as well.","start":714.20996,"end":720.125,"sentiment":"neutral","sentiment_score":0.21183474780991673},{"text":"And she's basically just like, you're a financial planner.","start":720.505,"end":723.385,"sentiment":"neutral","sentiment_score":0.14849414428075156}],"sentiment":"neutral","sentiment_score":0.16532998348309383,"num_words":37,"start":697.555,"end":723.385},{"sentences":[{"text":"Please sort it all out.","start":723.385,"end":724.265,"sentiment":"neutral","sentiment_score":0.13076593577861786},{"text":"But then she wants to make sure we've got some short term splurge money because we've got three kids and a third on the way.","start":724.265,"end":729.78503,"sentiment":"neutral","sentiment_score":0.23510726690292358},{"text":"We're gonna have that holiday fund building up in the background, and then we've got to invest as well.","start":729.78503,"end":734.205,"sentiment":"neutral","sentiment_score":0.320641301180187},{"text":"So we actually went through with our bank and set up about four or five offset accounts, all offsetting the mortgage and had it all split into the different categories.","start":734.58997,"end":743.17,"sentiment":"neutral","sentiment_score":0.09564777351915836},{"text":"I don't know if that might be helpful.","start":743.23,"end":744.77,"sentiment":"neutral","sentiment_score":-0.0038495261687785387}],"sentiment":"neutral","sentiment_score":0.17772796632315235,"num_words":87,"start":723.385,"end":744.77},{"sentences":[{"text":"Yeah.","start":771.27496,"end":771.51495,"sentiment":"neutral","sentiment_score":-0.01853669062256813},{"text":"Absolutely.","start":771.51495,"end":772.01495,"sentiment":"neutral","sentiment_score":-0.09026157110929488},{"text":"And so two quick things I've got on that too is, like, when it comes to splitting up buckets, regardless of your income level, I find it helpful to kind of get a percentage picture about what the funds are going towards.","start":774.795,"end":789.67,"sentiment":"neutral","sentiment_score":0.12661095211903253},{"text":"So I'll give you an example with mine.","start":790.29004,"end":792.21,"sentiment":"neutral","sentiment_score":0.10353375598788261},{"text":"So we have about 60% of our incomes going towards expenses.","start":792.21,"end":796.39,"sentiment":"neutral","sentiment_score":0.10803390294313431}],"sentiment":"neutral","sentiment_score":0.11469055091341336,"num_words":63,"start":771.27496,"end":796.39},{"sentences":[{"text":"We've got about 10%, which we put aside for, like, we call it splurging, 10% for the longer term fund that we don't wanna just spend it every week.","start":797.81,"end":806.485,"sentiment":"neutral","sentiment_score":0.23712422929961105},{"text":"We wanna build it up for a year and do the nice holiday.","start":806.485,"end":809.625,"sentiment":"positive","sentiment_score":0.588590709062723},{"text":"And then 20% goes towards filling up the savings.","start":809.845,"end":813.545,"sentiment":"positive","sentiment_score":0.3637245794137319},{"text":"And then once the savings filled, it goes into investing.","start":814.085,"end":816.985,"sentiment":"neutral","sentiment_score":0.237837116420269},{"text":"So we kind of everything pulls into that.","start":817.42,"end":819.9,"sentiment":"neutral","sentiment_score":0.2889939211308956}],"sentiment":"neutral","sentiment_score":0.3259728350069212,"num_words":69,"start":797.81,"end":819.9},{"sentences":[{"text":"So even if I get bonuses or anything like that, pay rises and so on, it all gets split into those proportions.","start":819.9,"end":826.0,"sentiment":"neutral","sentiment_score":0.28715000504797156},{"text":"So I find just getting that picture about what categories are doing and and how much you're spending on each is kinda helpful because then you can see, look, are we overspending on the trivial things?","start":828.3,"end":839.215,"sentiment":"neutral","sentiment_score":0.14385968850304684},{"text":"Are our expenses too high?","start":839.915,"end":841.355,"sentiment":"neutral","sentiment_score":-0.1890420526266098},{"text":"So, obviously, if your expenses are too high, your two options are either earn more or try and find ways to save on, you know, not having Disney plus and Netflix and and all those things.","start":841.355,"end":852.13,"sentiment":"neutral","sentiment_score":-0.1729707486099667},{"text":"A little bit of both.","start":888.39496,"end":889.615,"sentiment":"neutral","sentiment_score":0.03084197863936424}],"sentiment":"neutral","sentiment_score":0.043060592089134916,"num_words":104,"start":819.9,"end":889.615},{"sentences":[{"text":"So the way we like to do it as well is we send through a bit of a budget planner if you don't already have one, and it just lets you input all of your different expenses and and cash flow items, and it'll convert it from weekly, fortnightly, monthly, quarterly, all that kind of thing.","start":889.675,"end":905.535,"sentiment":"neutral","sentiment_score":0.2160549114591309},{"text":"And that just goes that one extra step of depth so that we can talk about what may need to be increased or decreased.","start":905.77496,"end":911.71497,"sentiment":"neutral","sentiment_score":0.05367134309684237},{"text":"So I can definitely shoot you through a budget planner as well if you would like to go through that with your partner and bring that to the meeting.","start":912.095,"end":919.39496,"sentiment":"positive","sentiment_score":0.3800021117103511},{"text":"And then it's really just about stepping through the goals because have you ever gone through our, like, Oakview financial services guide before?","start":919.75,"end":927.69,"sentiment":"neutral","sentiment_score":0.1718969526498214},{"text":"Yeah.","start":934.64496,"end":935.125,"sentiment":"neutral","sentiment_score":0.1388353556394577}],"sentiment":"neutral","sentiment_score":0.21428356227233894,"num_words":133,"start":889.675,"end":935.125},{"sentences":[{"text":"So there's a really good little reminder in there.","start":935.125,"end":937.445,"sentiment":"neutral","sentiment_score":0.21395677659246656},{"text":"We call it an Oakview wealth cycle.","start":937.445,"end":939.46497,"sentiment":"neutral","sentiment_score":0.206109813281468},{"text":"And it's because everything with Oakview is tree analogies, it talks about setting in place your roots, building up that nice stable trunk over time, and then branching out into different things when the time is right.","start":939.76495,"end":951.48,"sentiment":"neutral","sentiment_score":0.22877555038477923},{"text":"And it's basically just an analogy of stepping through life stages.","start":951.48,"end":955.42,"sentiment":"neutral","sentiment_score":0.1863100826740265},{"text":"So depending on where you're sitting with your partner, we would gradually move you along those stages towards the different areas as well.","start":955.72,"end":963.835,"sentiment":"neutral","sentiment_score":0.18192611351285293}],"sentiment":"neutral","sentiment_score":0.20766421341091051,"num_words":87,"start":935.125,"end":963.835},{"sentences":[{"text":"So first things first is let's get a handle on the budget.","start":963.97504,"end":967.195,"sentiment":"neutral","sentiment_score":0.0364546375349164},{"text":"And then once that's handled, we may spend three to twelve months just seeing how that runs in practice, and then we start diving into investment discussions and tie that into your debt goals to make sure that you can actually meet both goals and they're not conflicting with each other.","start":967.255,"end":984.24,"sentiment":"neutral","sentiment_score":0.056966796188670045},{"text":"So one of the things I would do with your partner as well is just do a personal risk profile because you probably don't wanna invest your money that you may access in five, ten years personally the exact same way that you do for your super that's locked away for thirty years.","start":986.075,"end":1001.135,"sentiment":"neutral","sentiment_score":-0.0024492256343364716},{"text":"Does that kinda make sense?","start":1003.05,"end":1004.43,"sentiment":"neutral","sentiment_score":0.04938103556632996},{"text":"Yeah.","start":1006.08997,"end":1006.41,"sentiment":"neutral","sentiment_score":0.10725554823875429}],"sentiment":"neutral","sentiment_score":0.029238639536817542,"num_words":122,"start":963.97504,"end":1006.41},{"sentences":[{"text":"So after this meeting, I will shoot you through a bit of a budget planner.","start":1006.41,"end":1010.43,"sentiment":"neutral","sentiment_score":0.0956635316212972},{"text":"We can set a bit of a catch up to go through the budget side of things after that and then maybe go through some or in that meeting, I would like to just revisit your goals and sort of see what's the priorities for the short term and how far we should space everything out.","start":1012.65,"end":1031.025,"sentiment":"neutral","sentiment_score":0.07359770319557615},{"text":"Cool.","start":1033.6901,"end":1034.09,"sentiment":"positive","sentiment_score":0.38343918323516846},{"text":"So awesome.","start":1034.09,"end":1036.81,"sentiment":"positive","sentiment_score":0.4698036462068558},{"text":"I'll make a few notes on the file, send you through the budget planner.","start":1036.81,"end":1039.63,"sentiment":"neutral","sentiment_score":0.21415903632129943}],"sentiment":"neutral","sentiment_score":0.1122465606524863,"num_words":88,"start":1006.41,"end":1039.63},{"sentences":[{"text":"Just have a chat to your partner about the few things that I mentioned in the email, and then we can we can go ahead and book a time, whether it's in a couple of weeks or three months or whenever it's appropriate for you both.","start":1040.17,"end":1051.305,"sentiment":"neutral","sentiment_score":0.14266410016495248},{"text":"Yeah.","start":1063.8601,"end":1064.1001,"sentiment":"neutral","sentiment_score":0.025370700284838676},{"text":"Great question.","start":1064.1001,"end":1064.8201,"sentiment":"neutral","sentiment_score":0.13287123292684555},{"text":"It's all included in the service fee that you already pay.","start":1064.8201,"end":1067.88,"sentiment":"neutral","sentiment_score":0.06521119245074013},{"text":"The only difference would be, let's say, we go ahead and I'll just give you an example.","start":1070.115,"end":1074.9349,"sentiment":"neutral","sentiment_score":-0.0008766356691279832}],"sentiment":"neutral","sentiment_score":0.09813093615986117,"num_words":77,"start":1040.17,"end":1074.9349},{"sentences":[{"text":"I had a couple a couple of weeks ago who put in, I think, $75,000 into an investment platform that they wanted us to manage.","start":1075.1549,"end":1082.695,"sentiment":"neutral","sentiment_score":-0.0011481383442878722},{"text":"Obviously, there's a fee to do the advice to set that up and manage that the same as the superannuation.","start":1082.98,"end":1088.0399,"sentiment":"neutral","sentiment_score":-0.018841610895469783},{"text":"But as far as those budget discussions, goal planning, that's all included.","start":1088.6599,"end":1093.08,"sentiment":"neutral","sentiment_score":0.015766355597103637},{"text":"Awesome.","start":1096.0349,"end":1096.5349,"sentiment":"positive","sentiment_score":0.7244591116905212},{"text":"Would love to do that with you guys.","start":1097.475,"end":1099.255,"sentiment":"positive","sentiment_score":0.6585019007325172}],"sentiment":"neutral","sentiment_score":0.08751719557877743,"num_words":66,"start":1075.1549,"end":1099.255},{"sentences":[{"text":"I'm just gonna double check with you because it may have been a little bit of time.","start":1099.715,"end":1103.975,"sentiment":"neutral","sentiment_score":0.11678644379272181},{"text":"Do you can you see in that advice document on page eight, nine, and 10, it's got an about you section with your personal details and your assets and liabilities.","start":1104.2749,"end":1114.44,"sentiment":"neutral","sentiment_score":0.0671805500984192},{"text":"Can you just double check that those are pretty close to the market?","start":1114.5,"end":1117.14,"sentiment":"neutral","sentiment_score":0.0467499910065761},{"text":"They haven't changed significantly.","start":1117.14,"end":1118.6,"sentiment":"neutral","sentiment_score":-0.1779816634953022},{"text":"And we've got phone number and email is still the same.","start":1122.355,"end":1125.015,"sentiment":"neutral","sentiment_score":0.003456891006366773}],"sentiment":"neutral","sentiment_score":0.052461801034708815,"num_words":75,"start":1099.715,"end":1125.015},{"sentences":[{"text":"Still a consultant psychologist earning about a 108,000.","start":1125.715,"end":1129.175,"sentiment":"neutral","sentiment_score":0.011670233099721372},{"text":"We've got the home, the savings, the shares, and the car.","start":1129.795,"end":1133.975,"sentiment":"neutral","sentiment_score":0.011028117754242638},{"text":"Perfect.","start":1143.9801,"end":1144.3,"sentiment":"neutral","sentiment_score":0.21559680998325348},{"text":"We can't always capture the exact value on a certain day, but, obviously, things change every single day.","start":1144.3,"end":1150.9551,"sentiment":"neutral","sentiment_score":-0.07389404314259689},{"text":"If there's ever, like, a significant change of, say, more than 20% or something, it may impact the advice.","start":1150.9551,"end":1156.4751,"sentiment":"neutral","sentiment_score":-0.1063652607171159}],"sentiment":"neutral","sentiment_score":-0.05124148701954829,"num_words":57,"start":1125.715,"end":1156.4751},{"sentences":[{"text":"So I just wanted to double check with you.","start":1156.4751,"end":1158.3351,"sentiment":"neutral","sentiment_score":-0.053325792567597494},{"text":"Perfect.","start":1161.53,"end":1161.93,"sentiment":"neutral","sentiment_score":0.16167962551116943},{"text":"Perfect.","start":1161.93,"end":1162.43,"sentiment":"neutral","sentiment_score":0.13701321184635162},{"text":"If you go through past there, you'll see the current super with hub twenty four, and you do have those MetLife insurances for the life TBD and income protection.","start":1162.89,"end":1172.27,"sentiment":"neutral","sentiment_score":0.05248839157665598},{"text":"You do have pretty well a full suite of insurances that's covering all of the debts.","start":1172.7301,"end":1178.865,"sentiment":"neutral","sentiment_score":0.06277362606488168}],"sentiment":"neutral","sentiment_score":0.04188039423232632,"num_words":56,"start":1156.4751,"end":1178.865},{"sentences":[{"text":"It's covering your income.","start":1178.865,"end":1180.165,"sentiment":"neutral","sentiment_score":0.03508691396564245},{"text":"It's pretty much as good as you can possibly get, probably top 5%.","start":1180.785,"end":1185.605,"sentiment":"neutral","sentiment_score":0.13359793175298434},{"text":"If that continues to increase because it is not too bad just based on your age.","start":1185.905,"end":1191.48,"sentiment":"neutral","sentiment_score":-0.07361092558130622},{"text":"But once you get through forties and fifties, that can jump up very quickly.","start":1191.62,"end":1195.4,"sentiment":"neutral","sentiment_score":-0.08943277597427368},{"text":"So as you pay down the debts, part of that discussion may be, do we reduce insurances down as you pay down your mortgage versus investing and building your assets up on the other side?","start":1195.62,"end":1207.265,"sentiment":"neutral","sentiment_score":0.03555539811163076}],"sentiment":"neutral","sentiment_score":0.008435683288020877,"num_words":82,"start":1178.865,"end":1207.265},{"sentences":[{"text":"So we have factored that into the projections because I know we're updating the portfolio for the super.","start":1211.405,"end":1217.0851,"sentiment":"neutral","sentiment_score":0.20155459973547193},{"text":"We just wanna make sure that it's still tracking along pretty well.","start":1217.0851,"end":1220.47,"sentiment":"neutral","sentiment_score":0.29101614902416867},{"text":"And you do still have trauma insurance as well, which you've paid out of pocket, and that's for your heart attack, stroke, and cancer.","start":1223.25,"end":1231.75,"sentiment":"neutral","sentiment_score":-0.0006000620390598973},{"text":"There's other conditions as well, but it's just those ones outside of, you know, death and disability, the main lump sums.","start":1232.265,"end":1238.285,"sentiment":"neutral","sentiment_score":-0.029712308819095295},{"text":"Perfect.","start":1240.985,"end":1241.485,"sentiment":"positive","sentiment_score":0.554580807685852}],"sentiment":"neutral","sentiment_score":0.0925841765404728,"num_words":76,"start":1211.405,"end":1241.485},{"sentences":[{"text":"Your risk profile on page twelve thirteen, we've still got you as a high growth.","start":1242.665,"end":1247.37,"sentiment":"neutral","sentiment_score":0.3318120857079824},{"text":"So, again, focused on high long term returns.","start":1247.61,"end":1250.49,"sentiment":"neutral","sentiment_score":0.19885654002428055},{"text":"Obviously, a bit of a roller coaster ride in between.","start":1250.49,"end":1252.8099,"sentiment":"neutral","sentiment_score":-0.20022707134485246},{"text":"I'm not sure if you've seen what's been happening the last couple of months.","start":1252.8099,"end":1256.19,"sentiment":"neutral","sentiment_score":-0.240785223032747},{"text":"Yep.","start":1258.33,"end":1258.83,"sentiment":"neutral","sentiment_score":0.02000216208398342}],"sentiment":"neutral","sentiment_score":0.02530774858314544,"num_words":48,"start":1242.665,"end":1258.83},{"sentences":[{"text":"The ups and downs we're experiencing at the moment, double digit swings, 10% and above.","start":1258.97,"end":1264.975,"sentiment":"neutral","sentiment_score":-0.14298320015271504},{"text":"And even in the span of two days, the funds could go up and down four or 5%.","start":1265.275,"end":1270.655,"sentiment":"neutral","sentiment_score":-0.21419871681266361},{"text":"So it's definitely we tend to use a lot of buzzwords in the industry like volatility and risk and things like that, but what I'm basically saying is that right now with everything going on, it's just higher highs and lower lows compared to what it was like last year, which was a bit more slow moving.","start":1270.795,"end":1287.5399,"sentiment":"neutral","sentiment_score":-0.1992337301112058},{"text":"K.","start":1290.655,"end":1290.815,"sentiment":"neutral","sentiment_score":-0.0030616819858551025},{"text":"So if you scroll down past there, you should see on page 14 strategy recommendations.","start":1290.815,"end":1295.795,"sentiment":"neutral","sentiment_score":0.07486555452148119}],"sentiment":"neutral","sentiment_score":-0.15317665929642488,"num_words":106,"start":1258.97,"end":1295.795},{"sentences":[{"text":"It is a bit of a wall of text, so I just wanna kind of summarize it for you.","start":1296.495,"end":1300.175,"sentiment":"neutral","sentiment_score":0.09890400794775862},{"text":"But if you can let me know when you can see that.","start":1300.175,"end":1302.515,"sentiment":"neutral","sentiment_score":0.06002406124025583},{"text":"Cool.","start":1305.67,"end":1306.15,"sentiment":"neutral","sentiment_score":0.3150879144668579},{"text":"So there is an investment switch recommended here, which will be in a table below.","start":1306.15,"end":1310.89,"sentiment":"neutral","sentiment_score":0.18546687165896097},{"text":"But, basically, the main best interest duty here just talks about trying to leave you in a better position and trying to meet your goals.","start":1311.1901,"end":1319.585,"sentiment":"neutral","sentiment_score":0.20774327874183654}],"sentiment":"neutral","sentiment_score":0.15125191449705097,"num_words":72,"start":1296.495,"end":1319.585},{"sentences":[{"text":"So things that we factored into this is not just insurance premiums, fees, and taxes.","start":1319.965,"end":1325.585,"sentiment":"neutral","sentiment_score":0.12487303341428439},{"text":"It's also like capital gains tax for your super by switching your investments around.","start":1325.965,"end":1331.665,"sentiment":"neutral","sentiment_score":0.036095271951385906},{"text":"So because we've got control under the hood, we can actually see what that is, whereas most of the funds is just kind of hidden.","start":1331.725,"end":1338.61,"sentiment":"neutral","sentiment_score":-0.04110522508621216},{"text":"So we have to make sure that we're careful with that when we're moving things around.","start":1338.75,"end":1342.77,"sentiment":"neutral","sentiment_score":-0.17609665472991765},{"text":"We have your retirement age still set currently for around about 65.","start":1345.55,"end":1350.235,"sentiment":"neutral","sentiment_score":0.0631864865620931}],"sentiment":"neutral","sentiment_score":-0.008640365311648787,"num_words":82,"start":1319.965,"end":1350.235},{"sentences":[{"text":"Obviously, give or take, if you can go a little bit earlier, that's ideal.","start":1350.775,"end":1354.715,"sentiment":"neutral","sentiment_score":0.13884547086698668},{"text":"But what we can't do is project out thirty one years and say you are definitely on track, factoring in all your life changes, inflation, cost of living.","start":1355.1749,"end":1365.2,"sentiment":"neutral","sentiment_score":0.1104426821693778},{"text":"Like, there's a bit too many variables.","start":1365.2,"end":1366.74,"sentiment":"neutral","sentiment_score":-0.051873797816889625},{"text":"So we just start off with, like, a ten year projection just to try and get you in a better position.","start":1367.04,"end":1371.78,"sentiment":"neutral","sentiment_score":0.15343931831774257},{"text":"K.","start":1374.16,"end":1374.4,"sentiment":"neutral","sentiment_score":0.06746555119752884}],"sentiment":"neutral","sentiment_score":0.11215220202862376,"num_words":71,"start":1350.775,"end":1374.4},{"sentences":[{"text":"So if you scroll down past there, you'll see a table that lists, like, advantages and disadvantages.","start":1374.4,"end":1380.145,"sentiment":"neutral","sentiment_score":0.09474758234094172},{"text":"And, basically, the main thing is the investments Carl's picks is just trying to get you into some lower fee ETFs, reduce that investment fees a little bit, keep you in line with your risk profile, and just get you a little bit better on the performance side.","start":1381.645,"end":1395.75,"sentiment":"positive","sentiment_score":0.34692229020098847},{"text":"Because of all of the fluctuations in your investments, the switches he was looking to recommend, he was able to offset any gains with some losses so that you don't pay any capital gains tax through your super.","start":1397.97,"end":1411.985,"sentiment":"neutral","sentiment_score":0.2936687224397534},{"text":"So the only real disadvantage is that we can't guarantee performance because the markets do what they do, And all the investments that we use, they're ETFs, so there's brokerage fees.","start":1414.125,"end":1424.4701,"sentiment":"neutral","sentiment_score":-0.18794968664165465},{"text":"You purchase them up front.","start":1424.6101,"end":1426.0701,"sentiment":"neutral","sentiment_score":-0.0025779545307159425}],"sentiment":"neutral","sentiment_score":0.16966230376697272,"num_words":139,"start":1374.4,"end":1426.0701},{"sentences":[{"text":"It's a little bit of an entry cost, but then they're lower fee ongoing, so we have to factor that in as well.","start":1426.13,"end":1432.035,"sentiment":"neutral","sentiment_score":-0.03006507512991843},{"text":"K?","start":1434.115,"end":1434.615,"sentiment":"neutral","sentiment_score":0.050770532339811325},{"text":"If you go through past that point, you will see an investments table on page 17.","start":1435.395,"end":1441.0951,"sentiment":"neutral","sentiment_score":0.09164916421286762},{"text":"It will be like a blue table with a little bit of red text about what investments are being sold and some black text for what's being bought.","start":1441.475,"end":1448.4601,"sentiment":"neutral","sentiment_score":0.07121961404170309},{"text":"Can you see that there?","start":1448.4601,"end":1449.6001,"sentiment":"neutral","sentiment_score":-0.0063948845490813255}],"sentiment":"neutral","sentiment_score":0.03818952331753218,"num_words":73,"start":1426.13,"end":1449.6001},{"sentences":[{"text":"Yep.","start":1451.18,"end":1451.5801,"sentiment":"neutral","sentiment_score":0.09662287682294846},{"text":"Now I won't go too too crazy into this, but the main thing is there's a reduction in your sustainable options, which is the top two.","start":1451.5801,"end":1460.9601,"sentiment":"neutral","sentiment_score":-0.010464268987281965},{"text":"And they're basically being brought back to, like, a flat weighting.","start":1461.6951,"end":1465.635,"sentiment":"neutral","sentiment_score":0.03471249866891991},{"text":"So if you see in the current weighting column, 30.29%.","start":1465.775,"end":1470.435,"sentiment":"neutral","sentiment_score":0.03144847638905048},{"text":"And then on the right hand side, you'll see, like, a 15% flat.","start":1470.895,"end":1474.35,"sentiment":"neutral","sentiment_score":0.043805463812672175}],"sentiment":"neutral","sentiment_score":0.017874510851917696,"num_words":61,"start":1451.18,"end":1474.35},{"sentences":[{"text":"So what Carl and the team basically did is we punched all of those investment options in to get all the different assets, and we're just trying to bring it down a little bit so that you're not too heavy into one type of asset.","start":1476.11,"end":1489.09,"sentiment":"neutral","sentiment_score":0.023999779919783273},{"text":"So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently.","start":1491.1951,"end":1506.32,"sentiment":"neutral","sentiment_score":0.050645286589860915},{"text":"So 5% to that.","start":1506.86,"end":1508.4,"sentiment":"neutral","sentiment_score":0.06554343551397324},{"text":"And then a few things like the bottom there, the S and P 500.","start":1508.7,"end":1512.72,"sentiment":"neutral","sentiment_score":0.07420793228915759},{"text":"That's just your standard top 500 companies in The US.","start":1514.715,"end":1518.975,"sentiment":"neutral","sentiment_score":0.16311359107494355}],"sentiment":"neutral","sentiment_score":0.05343382535255061,"num_words":113,"start":1476.11,"end":1518.975},{"sentences":[{"text":"And, again, the S and P 500, probably, like, the best performing index in the world at the moment over the long term.","start":1519.355,"end":1530.02,"sentiment":"neutral","sentiment_score":0.2907626061983731},{"text":"K.","start":1530.02,"end":1530.26,"sentiment":"neutral","sentiment_score":0.04499772936105728},{"text":"So there's a few little things there.","start":1530.26,"end":1532.76,"sentiment":"neutral","sentiment_score":0.058227514049836566},{"text":"And a slight bump up to your the Aware shares there in the middle, which are a little bit more towards the ethical side, but they're not straight into mining companies, but they're also not purely into just green energy.","start":1533.78,"end":1548.415,"sentiment":"neutral","sentiment_score":0.11238223677501083},{"text":"They're a little bit of a hybrid mix, if you will.","start":1548.415,"end":1552.275,"sentiment":"neutral","sentiment_score":0.11467508768493478}],"sentiment":"neutral","sentiment_score":0.1572786061683806,"num_words":82,"start":1519.355,"end":1552.275},{"sentences":[{"text":"K?","start":1554.015,"end":1554.51,"sentiment":"neutral","sentiment_score":0.03708105906844139},{"text":"So if you go down past there, you will see the asset allocation pie chart after that.","start":1554.59,"end":1559.41,"sentiment":"neutral","sentiment_score":0.06964794305317543},{"text":"Your risk profile being high growth, you have a range between 90 to a 100% being in growth assets, which is like shares, property, and gold.","start":1560.83,"end":1568.77,"sentiment":"neutral","sentiment_score":0.06309108163874882},{"text":"You're currently sitting about 93 with the recommended changes.","start":1569.9349,"end":1573.455,"sentiment":"neutral","sentiment_score":0.06911097021980418},{"text":"It's sitting at about just under 95.","start":1573.455,"end":1575.875,"sentiment":"neutral","sentiment_score":-0.20083513855934143}],"sentiment":"neutral","sentiment_score":0.03462694959404568,"num_words":60,"start":1554.015,"end":1575.875},{"sentences":[{"text":"It's pretty much smack bang in the middle of that risk profile.","start":1576.015,"end":1578.995,"sentiment":"negative","sentiment_score":-0.4132949536045392},{"text":"K?","start":1581.695,"end":1582.195,"sentiment":"neutral","sentiment_score":0.08320462703704834},{"text":"So very little in the way of, like, safe, low fee investments, but, obviously, the whole point there is get higher long term returns, build up your funds.","start":1582.735,"end":1591.23,"sentiment":"positive","sentiment_score":0.3449858461639711},{"text":"And then when you're approaching retirement, you probably don't wanna be high growth at 64 and lose half your super, so we have to protect it gradually as you get closer.","start":1591.29,"end":1600.11,"sentiment":"neutral","sentiment_score":-0.12633151248578103},{"text":"So how we basically do that is once you hit that last ten years, we're probably gonna start reducing your growth allocation from ninety percent eighty, seventy, sixty, fifty, 40, and there's your safe pension account to live off.","start":1602.925,"end":1616.8501,"sentiment":"neutral","sentiment_score":0.11648920388557972}],"sentiment":"neutral","sentiment_score":0.048739377845515,"num_words":111,"start":1576.015,"end":1616.8501},{"sentences":[{"text":"Makes sense?","start":1619.55,"end":1620.37,"sentiment":"neutral","sentiment_score":0.16652275621891022},{"text":"Perfect.","start":1621.79,"end":1622.29,"sentiment":"positive","sentiment_score":0.5176138877868652},{"text":"There's a bit of a fee comparison on the next page.","start":1622.3501,"end":1625.17,"sentiment":"neutral","sentiment_score":0.22409418496218594},{"text":"So, basically, with the same platform in Hub 24, there's no difference in the cost of the account, but it reduces the investment fees by about a $137, which is around about a third off on the investment percentage fee.","start":1625.31,"end":1641.015,"sentiment":"neutral","sentiment_score":0.24203669801354408},{"text":"K?","start":1643.4099,"end":1643.9099,"sentiment":"neutral","sentiment_score":0.017367005348205566}],"sentiment":"neutral","sentiment_score":0.23662782473997637,"num_words":55,"start":1619.55,"end":1643.9099},{"sentences":[{"text":"Yeah.","start":1653.665,"end":1654.165,"sentiment":"neutral","sentiment_score":0.02641557529568672},{"text":"So that's more ongoing because those investment fees talk about, they call it the MER, which is a percentage investment fee before you get your performance, before you get your your returns.","start":1657.585,"end":1674.9601,"sentiment":"neutral","sentiment_score":0.035081768059171736},{"text":"And then the returns that you get in your account are after fees.","start":1675.26,"end":1679.76,"sentiment":"neutral","sentiment_score":0.06551598069759515},{"text":"They're the net returns.","start":1679.9,"end":1680.9601,"sentiment":"neutral","sentiment_score":0.07705275155603886},{"text":"K?","start":1682.835,"end":1683.335,"sentiment":"neutral","sentiment_score":0.028293857350945473}],"sentiment":"neutral","sentiment_score":0.04582832874182392,"num_words":51,"start":1653.665,"end":1683.335},{"sentences":[{"text":"The only thing there would be the brokerages, I think, 0.11% for Hub.","start":1683.395,"end":1689.095,"sentiment":"neutral","sentiment_score":0.0043972428314960925},{"text":"They do something called aggregated trading.","start":1690.115,"end":1692.835,"sentiment":"neutral","sentiment_score":0.05429021455347538},{"text":"Has anyone mentioned that to you before in your last review with Kyle?","start":1692.835,"end":1696.6951,"sentiment":"neutral","sentiment_score":0.023247646597715523},{"text":"It's probably the last sort of technical thing I'm gonna throw at you because I don't wanna bombard you with jargon.","start":1699.6699,"end":1704.73,"sentiment":"neutral","sentiment_score":0.0455462501517364},{"text":"But this really cool thing that Hub does is if you're buying or selling shares and ETFs and someone else is buying and selling them, instead of paying brokerage fees, they can just swap them between the people.","start":1705.11,"end":1715.675,"sentiment":"positive","sentiment_score":0.460555295803045}],"sentiment":"neutral","sentiment_score":0.2103593114681624,"num_words":91,"start":1683.395,"end":1715.675},{"sentences":[{"text":"What that basically does, we can't actually estimate the savings, but it's somewhere between zero and seventy percent of the brokerage fees get waived depending on who's trading what.","start":1717.735,"end":1728.53,"sentiment":"neutral","sentiment_score":0.16449713450053643},{"text":"Most of the people I've seen, it reduces it by at least 50%.","start":1728.75,"end":1732.37,"sentiment":"neutral","sentiment_score":0.30260041241462415},{"text":"So it's just a cool little feature they do.","start":1734.51,"end":1736.53,"sentiment":"neutral","sentiment_score":0.2926745133267509},{"text":"Yes.","start":1742.765,"end":1743.085,"sentiment":"neutral","sentiment_score":0.17953899502754211},{"text":"Exactly.","start":1743.085,"end":1743.485,"sentiment":"neutral","sentiment_score":0.21422770619392395}],"sentiment":"neutral","sentiment_score":0.22135961477486593,"num_words":53,"start":1717.735,"end":1743.485},{"sentences":[{"text":"Right.","start":1743.485,"end":1743.805,"sentiment":"neutral","sentiment_score":0.2070322781801224},{"text":"So if I do it today, it can be the last week.","start":1743.805,"end":1746.125,"sentiment":"neutral","sentiment_score":0.16165417743225893},{"text":"It will depend on what proportion gets aggregated.","start":1746.125,"end":1748.785,"sentiment":"neutral","sentiment_score":0.121666613034904},{"text":"Yeah.","start":1750.62,"end":1751.12,"sentiment":"neutral","sentiment_score":0.13775789737701416},{"text":"A similar thing is how I mentioned before the fee linking.","start":1751.8201,"end":1756.0,"sentiment":"neutral","sentiment_score":0.14403726025061173}],"sentiment":"neutral","sentiment_score":0.1467388809630365,"num_words":33,"start":1743.485,"end":1756.0},{"sentences":[{"text":"So let's say we did have an investment account one day, it would average out between your super and the investment, and it would push you along the tiered admin fee a little bit quicker.","start":1756.14,"end":1767.115,"sentiment":"neutral","sentiment_score":0.20669122508593968},{"text":"So Hub will reduce your percentage admin fee when you go above 250,000, and it drops very quickly from, I think, 0.36% to, like, 0.12.","start":1767.4149,"end":1780.38,"sentiment":"neutral","sentiment_score":0.1837196472287178},{"text":"It drops in, like, a third.","start":1780.6,"end":1782.06,"sentiment":"neutral","sentiment_score":0.01645948365330696},{"text":"So once you've got pension accounts, super accounts, investment accounts, even with your partner potentially, you can link all of them together, and you could even have six to eight accounts linked together and then just reduce the fees across the whole lot.","start":1782.28,"end":1795.6549,"sentiment":"neutral","sentiment_score":0.2752924343181211},{"text":"So this is just based on your balance at the moment.","start":1798.755,"end":1801.29,"sentiment":"neutral","sentiment_score":0.07699869471517476}],"sentiment":"neutral","sentiment_score":0.2050875106515984,"num_words":120,"start":1756.14,"end":1801.29},{"sentences":[{"text":"If that comes into it, we do have calculators that can show us that as well.","start":1801.37,"end":1805.4701,"sentiment":"neutral","sentiment_score":0.10657249041832983},{"text":"Cool.","start":1807.29,"end":1807.79,"sentiment":"positive","sentiment_score":0.3701099753379822},{"text":"Performance wise, we did a bit of an estimate going backwards five years just to show you a bit of a five year rolling average at the bottom of that table.","start":1808.49,"end":1816.1901,"sentiment":"neutral","sentiment_score":0.17136876381212665},{"text":"9.66% versus 11.18.","start":1816.875,"end":1820.5751,"sentiment":"neutral","sentiment_score":0.028626165391566854},{"text":"Again, that's just going backwards, so don't really know exactly what's gonna happen with the market this year and next year, but just showing that in the same scenarios, the performance difference.","start":1820.9551,"end":1830.655,"sentiment":"neutral","sentiment_score":-0.1487541210372001}],"sentiment":"neutral","sentiment_score":0.03269214606254799,"num_words":83,"start":1801.37,"end":1830.655},{"sentences":[{"text":"Sure.","start":1834.32,"end":1834.82,"sentiment":"positive","sentiment_score":0.33736613392829895},{"text":"Fingers crossed.","start":1835.9199,"end":1836.82,"sentiment":"neutral","sentiment_score":0.3019123524427414},{"text":"The main thing here too is most portfolio updates, you're pretty well likely that in any scenario to get that little bit of a performance difference that we're aiming for, pretty well, it's highly probable.","start":1837.0399,"end":1852.355,"sentiment":"positive","sentiment_score":0.3750271150044033},{"text":"The only difference with yours is that switching from ethical shares to to different assets means that if the green energy sector goes up and the mining sector goes down, you're gonna get a bit of a split between the two portfolios.","start":1852.575,"end":1865.5901,"sentiment":"neutral","sentiment_score":0.028149021728452118},{"text":"So it just makes it slightly less certain, if that makes sense.","start":1867.17,"end":1869.99,"sentiment":"neutral","sentiment_score":-0.14027450668315092}],"sentiment":"neutral","sentiment_score":0.14745765974309863,"num_words":92,"start":1834.32,"end":1869.99},{"sentences":[{"text":"Yeah.","start":1888.3999,"end":1888.88,"sentiment":"neutral","sentiment_score":0.08357995748519897},{"text":"And the main thing that we do, there's a little bit of an estimate on the next page that has a bit of a five to ten year projection just to try and get you in a better position.","start":1888.88,"end":1896.82,"sentiment":"neutral","sentiment_score":0.0736808963597585},{"text":"But I guess the main the main expectation that I can give you is all of these picks are supposed to average out better over a long period of time.","start":1897.1449,"end":1906.9249,"sentiment":"neutral","sentiment_score":0.09467820947368939},{"text":"So over ten, twenty, thirty years, it's to get you in a better position.","start":1907.225,"end":1911.8049,"sentiment":"neutral","sentiment_score":0.32320175639220644},{"text":"Regardless of what happens in three or six months, if the averages are better taking into account all of the cycles that have already happened, and I'm talking global financial crisis, COVID, this current situation.","start":1912.6901,"end":1926.065,"sentiment":"neutral","sentiment_score":0.029150335610445055}],"sentiment":"neutral","sentiment_score":0.09531569357632715,"num_words":119,"start":1888.3999,"end":1926.065},{"sentences":[{"text":"If it averages out better every single time, then you've got a much better chance of getting a better outcome.","start":1926.525,"end":1931.985,"sentiment":"neutral","sentiment_score":0.28853521794080733},{"text":"Yes.","start":1943.58,"end":1944.08,"sentiment":"neutral","sentiment_score":0.12367019057273863},{"text":"Yes.","start":1967.53,"end":1968.03,"sentiment":"neutral","sentiment_score":0.025986941531300545},{"text":"Great spot.","start":1968.65,"end":1969.55,"sentiment":"positive","sentiment_score":0.486298069357872},{"text":"Great spot.","start":1969.6901,"end":1970.43,"sentiment":"positive","sentiment_score":0.3964087516069412}],"sentiment":"neutral","sentiment_score":0.29560673587883896,"num_words":26,"start":1926.525,"end":1970.43},{"sentences":[{"text":"So when we were going back through it, basically, if we think ten years back from now, that's 2016.","start":1971.05,"end":1978.2251,"sentiment":"neutral","sentiment_score":0.006818932481110096},{"text":"From 2016 to 2021, the sustainable sector had a huge search, and all of those companies Yeah.","start":1978.765,"end":1994.4,"sentiment":"neutral","sentiment_score":0.026518749018364093},{"text":"So this is looking backwards.","start":1994.54,"end":1996.0801,"sentiment":"neutral","sentiment_score":-0.021406315639615058},{"text":"So, basically, what we're trying to do is make sure that going forward, it's looking better.","start":1996.14,"end":2002.715,"sentiment":"neutral","sentiment_score":0.033918630331754684},{"text":"So the the weird trick that we have to play is looking backwards, trying to get better performance like for like in the same scenarios, but at the same time, then factor in what may happen going forward as well.","start":2002.715,"end":2013.215,"sentiment":"neutral","sentiment_score":-0.01350032901391387}],"sentiment":"neutral","sentiment_score":0.004907544299038415,"num_words":97,"start":1971.05,"end":2013.215},{"sentences":[{"text":"And Yep.","start":2013.64,"end":2014.9199,"sentiment":"neutral","sentiment_score":0.09010110422968864},{"text":"Though I love all of those types of companies, they had such a massive surge in those five years that everyone started selling them off gradually in the last five to six years or so.","start":2015.0,"end":2025.9,"sentiment":"neutral","sentiment_score":0.1870592230132648},{"text":"We still wanna keep you in them, of course, but they haven't been, I guess, projected to do as well as, like, your gold and your other assets over the next ten years.","start":2026.6799,"end":2038.595,"sentiment":"neutral","sentiment_score":0.11061721430583434},{"text":"Correct.","start":2066.3,"end":2066.78,"sentiment":"neutral","sentiment_score":0.09224678575992584},{"text":"Correct.","start":2066.78,"end":2067.28,"sentiment":"neutral","sentiment_score":0.2675226330757141}],"sentiment":"neutral","sentiment_score":0.14913072923405302,"num_words":72,"start":2013.64,"end":2067.28},{"sentences":[{"text":"I might even update our template a little bit to make that a little bit more user friendly to show this is going forward.","start":2067.42,"end":2073.66,"sentiment":"neutral","sentiment_score":0.18624023534357548},{"text":"This is going backwards, but exactly right.","start":2073.66,"end":2076.06,"sentiment":"neutral","sentiment_score":0.1749801848615919},{"text":"That's our projection going forwards with all of the contributions, fees, returns, and everything mixed together.","start":2076.06,"end":2081.345,"sentiment":"neutral","sentiment_score":0.2023465083912015},{"text":"And then below that just says, hey.","start":2081.885,"end":2084.285,"sentiment":"neutral","sentiment_score":0.10790475457906723},{"text":"If we just pull your investments off to the side and look backwards over short, medium, long term, this is how they kind of stack up beside each other.","start":2084.285,"end":2091.665,"sentiment":"neutral","sentiment_score":0.07544504362961342}],"sentiment":"neutral","sentiment_score":0.1430772364319089,"num_words":83,"start":2067.42,"end":2091.665},{"sentences":[{"text":"Cool.","start":2095.1802,"end":2095.6802,"sentiment":"positive","sentiment_score":0.4255461096763611},{"text":"I think the main thing for you as well, like, when I was talking to Carl about your portfolio, is he wanted to get a bit of consistency into it so that it wasn't such like, yes, high growth has wild swings, but a bit more consistency so that if different sectors or different things, you're not having a year where you do very little or very large, that you're always hitting that average double digit return because high growth is basically like a benchmark of 10%.","start":2097.74,"end":2124.2,"sentiment":"neutral","sentiment_score":0.11447056789679089},{"text":"If you can get ten, eleven, twelve, thirteen consistently, you're pretty well on track.","start":2124.4202,"end":2129.96,"sentiment":"positive","sentiment_score":0.3788064271211624},{"text":"Cool.","start":2135.395,"end":2135.875,"sentiment":"positive","sentiment_score":0.5243148803710938},{"text":"So that's pretty much the super side of the advice.","start":2135.875,"end":2139.415,"sentiment":"neutral","sentiment_score":0.17371127903461456}],"sentiment":"neutral","sentiment_score":0.15884250590363436,"num_words":113,"start":2095.1802,"end":2139.415},{"sentences":[{"text":"Everything else in this document just goes through updating your beneficiaries with Hub and MetLife.","start":2140.115,"end":2146.055,"sentiment":"neutral","sentiment_score":0.13848312199115753},{"text":"So I won't reexplain why you should have a beneficiary nomination and say where things go.","start":2146.5999,"end":2152.06,"sentiment":"neutral","sentiment_score":0.053869136492721736},{"text":"And, again, please sort out a will and a power of attorney if and when you can.","start":2152.44,"end":2156.94,"sentiment":"neutral","sentiment_score":0.06939872814451947},{"text":"Do you have any questions for me so far?","start":2157.48,"end":2159.895,"sentiment":"neutral","sentiment_score":0.07203632882899708},{"text":"I have your account open in front of me.","start":2178.8699,"end":2181.93,"sentiment":"neutral","sentiment_score":0.09704654249880049}],"sentiment":"neutral","sentiment_score":0.0854648065781503,"num_words":66,"start":2140.115,"end":2181.93},{"sentences":[{"text":"I didn't specifically plug in when you last spoke with Kyle, though, because I can't don't don't actually know off the top of my head when that was.","start":2182.0698,"end":2188.925,"sentiment":"neutral","sentiment_score":-0.03531470229583127},{"text":"Bit of an update.","start":2191.385,"end":2192.3652,"sentiment":"neutral","sentiment_score":-0.01906858617439866},{"text":"Yeah.","start":2198.5852,"end":2198.905,"sentiment":"neutral","sentiment_score":-0.04900052398443222},{"text":"So when we looked at the last review, it was pretty well flat at that point because some of those assets had just gone down, and it pretty well hit that zero point I think it's 35% that we've got in the in that table you saw above for the twelve months.","start":2198.905,"end":2215.11,"sentiment":"neutral","sentiment_score":-0.0684953320484895},{"text":"Since then, it's picked up another two or 3%, so it started going back up again.","start":2216.295,"end":2220.4749,"sentiment":"neutral","sentiment_score":0.19482154119759798}],"sentiment":"neutral","sentiment_score":-0.015432664755694938,"num_words":101,"start":2182.0698,"end":2220.4749},{"sentences":[{"text":"And, realistically, everything has gone back into the positive except for that one sustainability option.","start":2220.935,"end":2227.435,"sentiment":"positive","sentiment_score":0.3814027120669683},{"text":"Everything else has jumped up nine, seven, 14%, and just that one sustainability option had gone down 5.5.","start":2227.7349,"end":2236.01,"sentiment":"neutral","sentiment_score":0.07794978614482614},{"text":"So what I'm kinda doing there is I I'm taking a twelve month performance snapshot.","start":2237.91,"end":2242.65,"sentiment":"neutral","sentiment_score":0.07274262507756551},{"text":"And then, obviously, as time moves on, it's taking that start and finish date, and it's sliding along with time as well.","start":2243.0151,"end":2249.655,"sentiment":"neutral","sentiment_score":0.00959804171526974},{"text":"So I've just run that from today backwards compared to the last time we ran the report.","start":2249.655,"end":2254.875,"sentiment":"neutral","sentiment_score":-0.010428346090895288}],"sentiment":"neutral","sentiment_score":0.0948178303674206,"num_words":87,"start":2220.935,"end":2254.875},{"sentences":[{"text":"To translate that into dollar value terms, which is probably a little bit easier to see, you had a bit of a drop down to 74,000, and it's jumped back up to 77,000 in two weeks, apparently, is we finally had a jump back up in the markets.","start":2258.47,"end":2277.0251,"sentiment":"neutral","sentiment_score":0.03743683461410304},{"text":"Yeah.","start":2293.8198,"end":2294.14,"sentiment":"neutral","sentiment_score":0.21155506372451785},{"text":"And I think the main, like, expectation I can give you as well is that when I said volatility increases, so higher highs and lower lows, basically, what we do is your contributions come in and they buy into all these options gradually.","start":2294.14,"end":2308.615,"sentiment":"neutral","sentiment_score":0.25864916104216906},{"text":"So because they're low fee ETFs, they will follow the market sectors that you're investing in up and down.","start":2308.995,"end":2314.95,"sentiment":"neutral","sentiment_score":0.2422146185448295},{"text":"We buy all these different sectors, shares, properties, and gold, and when the market goes back up, you should get a really strong double digit return on the way back up.","start":2315.65,"end":2324.39,"sentiment":"positive","sentiment_score":0.4941106765500961}],"sentiment":"neutral","sentiment_score":0.2327460970099963,"num_words":142,"start":2258.47,"end":2324.39},{"sentences":[{"text":"And then we average that out and see how it looks because there's always a cycle.","start":2324.605,"end":2329.245,"sentiment":"neutral","sentiment_score":0.0025967902620323002},{"text":"It grows for five years and crashes, grows for five years and crashes.","start":2329.245,"end":2332.5452,"sentiment":"neutral","sentiment_score":-0.0458511201521525},{"text":"We wanna make sure that after every cycle, you're still getting that 10% benchmark until you're you've got a million dollars and you're 62, and we can focus on protecting it.","start":2332.7651,"end":2343.3098,"sentiment":"neutral","sentiment_score":0.06719804486079563},{"text":"Yep.","start":2345.13,"end":2345.63,"sentiment":"neutral","sentiment_score":0.2256178706884384},{"text":"If at any point we have these future discussions about personal investments or your super and you wanna investigate different styles of investment, so, you know, how you went from, like, sustainability to mixing in a few other asset classes, we can change styles to suit the behavior that you're comfortable with.","start":2347.45,"end":2364.645,"sentiment":"neutral","sentiment_score":0.10657122172415257}],"sentiment":"neutral","sentiment_score":0.06456588383401389,"num_words":113,"start":2324.605,"end":2364.645},{"sentences":[{"text":"Cool.","start":2367.1199,"end":2367.52,"sentiment":"neutral","sentiment_score":0.2328629493713379},{"text":"So as long as you know what your soup is gonna do, basically, long and short of it is it's gonna shoot up and down all year.","start":2367.52,"end":2373.76,"sentiment":"neutral","sentiment_score":-0.16104868164768926},{"text":"And then once there's some normalcy, it should start that upward trend again, and then we will kind of review that and say, did it get what we expected?","start":2373.76,"end":2382.425,"sentiment":"neutral","sentiment_score":-0.0018637120595266078},{"text":"Cool.","start":2385.925,"end":2386.425,"sentiment":"neutral","sentiment_score":0.2689186930656433},{"text":"The other things too towards the end of the document, we always reiterate, like, our fees coming up because I know you signed, like, an updated service agreement with us, but that same 1.65% is still factored in.","start":2386.885,"end":2398.8901,"sentiment":"neutral","sentiment_score":0.03538335943104405}],"sentiment":"neutral","sentiment_score":-0.026625132847887773,"num_words":96,"start":2367.1199,"end":2398.8901},{"sentences":[{"text":"That's still disclosed there just to make sure we're disclosing what we're charging throughout the year.","start":2398.8901,"end":2403.55,"sentiment":"neutral","sentiment_score":0.026581984013319016},{"text":"Anytime with insurances, they always pay that 22% kind of ongoing commission to help manage the policies, whether it's MetLife, Tal, whoever it is.","start":2405.1301,"end":2415.825,"sentiment":"neutral","sentiment_score":0.020444204380813364},{"text":"So my reminder there is if something happens, we're obviously not gonna be the first person that you call, but we do do claims assistance.","start":2415.885,"end":2424.5398,"sentiment":"neutral","sentiment_score":-0.012458738312125206},{"text":"So if you need a claim on your insurance, we help you through the claim.","start":2425.16,"end":2428.22,"sentiment":"neutral","sentiment_score":0.04139502321680387},{"text":"And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last.","start":2428.52,"end":2437.8198,"sentiment":"neutral","sentiment_score":-0.05758786592031679}],"sentiment":"neutral","sentiment_score":-0.005043191925479888,"num_words":111,"start":2398.8901,"end":2437.8198},{"sentences":[{"text":"So always bear that in mind, but if anything changes, we'll capture that in the future discussions.","start":2440.2852,"end":2445.8252,"sentiment":"neutral","sentiment_score":0.12836412471883438},{"text":"Would love for you to call in if something major happens in your life.","start":2446.845,"end":2449.645,"sentiment":"positive","sentiment_score":0.3375809671623366},{"text":"But if not, when we review you, we'll talk through those as well.","start":2449.645,"end":2453.01,"sentiment":"neutral","sentiment_score":0.28816935878533584},{"text":"Cool.","start":2455.49,"end":2455.99,"sentiment":"positive","sentiment_score":0.5625203847885132},{"text":"Do you want me to set up a bit of a catch up or get the team to just give you a call in a couple of weeks to see how you and your partner are going with the the budgeting and everything?","start":2456.37,"end":2465.59,"sentiment":"neutral","sentiment_score":0.27677973862304245}],"sentiment":"neutral","sentiment_score":0.26271107352592726,"num_words":88,"start":2440.2852,"end":2465.59},{"sentences":[{"text":"Because I'm thinking I might shoot that email through after this and give you a bit of time.","start":2465.73,"end":2470.565,"sentiment":"neutral","sentiment_score":0.19634351424045032},{"text":"And then once you guys are ready, book in for, like, a proper consultation, if that's okay.","start":2470.7852,"end":2475.365,"sentiment":"neutral","sentiment_score":0.17674683954785853},{"text":"Awesome.","start":2493.2952,"end":2493.7952,"sentiment":"positive","sentiment_score":0.561053991317749},{"text":"So if I look over the next fortnight or so, from the week of the twenty seventh, I'll get the team to give you a call.","start":2493.855,"end":2500.435,"sentiment":"neutral","sentiment_score":0.25297645135567737},{"text":"And after that point, I'm actually going on paternity leave in the first couple of weeks of June as well.","start":2501.7751,"end":2508.74,"sentiment":"neutral","sentiment_score":0.1259786207228899}],"sentiment":"neutral","sentiment_score":0.19752309353249828,"num_words":82,"start":2465.73,"end":2508.74},{"sentences":[{"text":"So I would love to catch up with you guys early May and talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as well.","start":2508.9602,"end":2519.895,"sentiment":"neutral","sentiment_score":0.2724400791453152},{"text":"Awesome.","start":2525.975,"end":2526.475,"sentiment":"positive","sentiment_score":0.4758676290512085},{"text":"Outside of that, we've got some steps to implement the advice.","start":2527.335,"end":2530.135,"sentiment":"neutral","sentiment_score":0.20949390124190936},{"text":"So it always starts with your consent.","start":2530.135,"end":2532.475,"sentiment":"neutral","sentiment_score":0.14718909135886601},{"text":"Once you're happy and signed the SOA that you've got, we can basically just hop on to Hub, and the team this week will switch your investments around.","start":2532.8901,"end":2541.31,"sentiment":"neutral","sentiment_score":0.25318822184843676}],"sentiment":"neutral","sentiment_score":0.2507947458970276,"num_words":88,"start":2508.9602,"end":2541.31},{"sentences":[{"text":"We will prefill in some beneficiary forms for you and help you through those.","start":2541.77,"end":2548.0151,"sentiment":"neutral","sentiment_score":0.18132938178522245},{"text":"Have you gone through beneficiary forms before, like gotten them witnessed and so on?","start":2548.0151,"end":2553.555,"sentiment":"neutral","sentiment_score":0.04080271654363189},{"text":"So just to quickly cap things off is let's say we send you blank forms.","start":2559.55,"end":2564.3699,"sentiment":"neutral","sentiment_score":0.009747619554400445},{"text":"You basically have to put in your details and your nominees details, let's say your partner.","start":2564.5898,"end":2569.5698,"sentiment":"neutral","sentiment_score":0.022070167120546103},{"text":"From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't the beneficiary.","start":2571.2751,"end":2579.855,"sentiment":"neutral","sentiment_score":0.016674347703034678}],"sentiment":"neutral","sentiment_score":0.04617322219033422,"num_words":89,"start":2541.77,"end":2579.855},{"sentences":[{"text":"So we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in.","start":2582.0752,"end":2595.38,"sentiment":"neutral","sentiment_score":0.036220670635388655},{"text":"Just whatever is easier for you.","start":2595.38,"end":2597.16,"sentiment":"neutral","sentiment_score":0.08688157051801682},{"text":"Yep.","start":2600.435,"end":2600.935,"sentiment":"positive","sentiment_score":0.33366870880126953},{"text":"Easy done.","start":2603.155,"end":2603.7952,"sentiment":"positive","sentiment_score":0.5908251404762268},{"text":"So we'll send out one for Hub, one for MetLife with some instructions there.","start":2603.7952,"end":2607.315,"sentiment":"neutral","sentiment_score":0.23824345214026316}],"sentiment":"neutral","sentiment_score":0.10396606344451655,"num_words":67,"start":2582.0752,"end":2607.315},{"sentences":[{"text":"If you run any trouble, just call the team, and they can walk you through it.","start":2607.315,"end":2611.235,"sentiment":"neutral","sentiment_score":0.21030403953045607},{"text":"And they can pretty much do it two minutes on the phone.","start":2611.235,"end":2613.81,"sentiment":"neutral","sentiment_score":0.19846825674176216},{"text":"Do you remember talking with Kyle about the type of nomination you were trying to put in place by any chance?","start":2616.53,"end":2621.99,"sentiment":"neutral","sentiment_score":0.05711715828095164},{"text":"So the super easy of it is you can choose whether your nomination is a non lapsing or a lapsing.","start":2625.97,"end":2633.405,"sentiment":"neutral","sentiment_score":0.04878805100452155},{"text":"So whether it expires after three years or if it just continues on until you change it.","start":2633.465,"end":2638.7651,"sentiment":"neutral","sentiment_score":0.0028464973489890862}],"sentiment":"neutral","sentiment_score":0.09267552921292643,"num_words":86,"start":2607.315,"end":2638.7651},{"sentences":[{"text":"The other options, which are quite strange, but you can choose whether it's legally binding or not, I don't really see anybody doing a non legally binding nomination because it gives the trustee discretion.","start":2640.8398,"end":2652.22,"sentiment":"neutral","sentiment_score":-0.05524415440638276},{"text":"I don't know why you would let the Superfund choose, but you do have the option.","start":2652.775,"end":2656.295,"sentiment":"neutral","sentiment_score":-0.041390122030861676},{"text":"So the standard we do is legally binding and non lapsing if you want it to be continuous.","start":2656.295,"end":2662.315,"sentiment":"neutral","sentiment_score":0.03323623206880358},{"text":"Yeah.","start":2685.445,"end":2685.945,"sentiment":"neutral","sentiment_score":0.01825384795665741},{"text":"So there's a couple of ways we do it is when it comes to the super funds and the insurers, they're pretty terrible at sending out notifications for how your beneficiary is lapsing, but we always incorporate it into our annual reviews.","start":2687.205,"end":2699.65,"sentiment":"neutral","sentiment_score":-0.046965118907835515}],"sentiment":"neutral","sentiment_score":-0.03510425379499793,"num_words":111,"start":2640.8398,"end":2699.65},{"sentences":[{"text":"So as long as you're a client of Oakview, we will say, hey.","start":2699.79,"end":2702.85,"sentiment":"neutral","sentiment_score":0.10120788388527356},{"text":"Just checking your beneficiaries this year.","start":2702.945,"end":2704.865,"sentiment":"neutral","sentiment_score":0.10186750690142314},{"text":"Oh, it's gonna expire in April.","start":2704.865,"end":2706.705,"sentiment":"neutral","sentiment_score":0.058643545334537826},{"text":"Should we update that?","start":2706.705,"end":2708.005,"sentiment":"neutral","sentiment_score":0.07655090000480413},{"text":"We can have that reminder if you value that.","start":2708.065,"end":2710.565,"sentiment":"neutral","sentiment_score":0.15514459212621054}],"sentiment":"neutral","sentiment_score":0.1047703613968272,"num_words":38,"start":2699.79,"end":2710.565},{"sentences":[{"text":"Cool.","start":2726.16,"end":2726.66,"sentiment":"positive","sentiment_score":0.6316585540771484},{"text":"I'll put that on kind of the cover letter instructions for you, but just give you a bit of time to kind of think it through.","start":2726.7998,"end":2732.345,"sentiment":"positive","sentiment_score":0.4158362184579556},{"text":"And when you got the forms in front of you, if you wanna go one way or the other, there's really no wrong answer with it as long as you do keep on top of it.","start":2732.345,"end":2739.545,"sentiment":"neutral","sentiment_score":0.31142422639661366},{"text":"If you put in place one that doesn't change and then, god forbid, you guys separate and you don't update it, that's a problem.","start":2739.545,"end":2745.7249,"sentiment":"neutral","sentiment_score":-0.005444642932464679},{"text":"If you make it expire and you don't update it, then there's nothing.","start":2746.2,"end":2750.3599,"sentiment":"neutral","sentiment_score":-0.04787173523352696}],"sentiment":"neutral","sentiment_score":0.21901668395847082,"num_words":100,"start":2726.16,"end":2750.3599},{"sentences":[{"text":"That's a problem.","start":2750.3599,"end":2751.08,"sentiment":"neutral","sentiment_score":-0.05762762079636256},{"text":"So as long as every few years you you check it, you should be okay.","start":2751.08,"end":2755.0999,"sentiment":"neutral","sentiment_score":0.19975534081459045},{"text":"Yeah.","start":2764.0552,"end":2764.455,"sentiment":"neutral","sentiment_score":0.02490532584488392},{"text":"There's literally, like, a type of nomination box, and it's literally binding non lapsing or binding lapsing, and you could pick.","start":2764.455,"end":2771.2751,"sentiment":"neutral","sentiment_score":0.04742536915554887},{"text":"Easy done.","start":2774.19,"end":2775.01,"sentiment":"positive","sentiment_score":0.5863734781742096}],"sentiment":"neutral","sentiment_score":0.11945314962594282,"num_words":42,"start":2750.3599,"end":2775.01},{"sentences":[{"text":"That was again, I've thrown a bit at you, but do you have any questions for me at this point?","start":2775.79,"end":2779.81,"sentiment":"neutral","sentiment_score":0.09105591177940368},{"text":"Absolutely.","start":2802.54,"end":2803.04,"sentiment":"positive","sentiment_score":0.5944156646728516},{"text":"Once it comes through, if you wanna email me back with any questions, again, the team will reach out in a couple of weeks' time.","start":2806.3,"end":2812.875,"sentiment":"neutral","sentiment_score":0.23047231674194335},{"text":"But if you wanna call in before then and have a quick chat, anything you need, that's fine.","start":2812.875,"end":2817.5352,"sentiment":"neutral","sentiment_score":0.16317791719403532},{"text":"If not, I'll make sure we've got everything together, and then hopefully, we can have a nice in-depth chat with your partner in the May.","start":2817.675,"end":2824.8801,"sentiment":"neutral","sentiment_score":0.11150827258825302}],"sentiment":"neutral","sentiment_score":0.1562050690225671,"num_words":89,"start":2775.79,"end":2824.8801},{"sentences":[{"text":"But anything in between that comes up, please just let me know.","start":2824.8801,"end":2828.1,"sentiment":"neutral","sentiment_score":0.07367921558519204},{"text":"Awesome, Lauren.","start":2831.4402,"end":2832.32,"sentiment":"positive","sentiment_score":0.8053238391876221},{"text":"That's pretty much everything for me.","start":2832.32,"end":2833.76,"sentiment":"positive","sentiment_score":0.7903785208861033},{"text":"Anything else I can help you with before I let you go?","start":2833.76,"end":2836.58,"sentiment":"positive","sentiment_score":0.41612711548805237},{"text":"Thank you for your time, and I'll talk to you soon.","start":2839.515,"end":2842.2551,"sentiment":"positive","sentiment_score":0.6510278230363672}],"sentiment":"positive","sentiment_score":0.45097443790629854,"num_words":43,"start":2824.8801,"end":2842.2551},{"sentences":[{"text":"You too.","start":2844.875,"end":2845.355,"sentiment":"positive","sentiment_score":0.4879758954048157},{"text":"Thank you so much.","start":2845.355,"end":2846.495,"sentiment":"positive","sentiment_score":0.7783147990703583},{"text":"Bye.","start":2847.7551,"end":2848.2551,"sentiment":"neutral","sentiment_score":-0.09592264890670776}],"sentiment":"positive","sentiment_score":0.5704697625977653,"num_words":7,"start":2844.875,"end":2848.2551}]}}]},{"alternatives":[{"transcript":"Hello? Lauren speaking. I'm good. How are you? Oh, yeah. It's finally a bit cooler, which is nice here in Rizzi. I know. I know. It's a nice change. Uh-huh. Yep. Yep. Still good. Yep. Yep. Twenty second of the fourth nineteen ninety one and seventeen Maitland Street, Salisbury. Yes. That's fine. Yep. Yep. Ready to receive. Okay. Oh, I just bought it already. Yeah. Easy. So I've gone to the signed document. Yes. Yep. Got that. Yep. That's the one I'm yep. Yep. Mhmm. Yeah. No worries. Yep. Got it. Yeah. I mean, I think that's where we kinda started from when I first joined with Oakview. I don't I don't know if specifically a kind of focus on going even more ethical has happened since then, but, yeah, that's that's one of the things one of the kind of Mhmm. Specifications, I suppose, I had when I first joined with you guys. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That is right. Yeah. Yeah. That's definitely something I haven't done. Yeah. So so that's why we're not there. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. I've made a note of that. It is very timely. Yeah. I'm pregnant as well. So I need to so it's a good time. Yeah. Thanks. But, yeah, it is a really good time to be to get on top of that. So Yep. Okay. Yeah. Yep. Yep. Yeah. Okay. Cool. Yep. Sounds good. Yep. Okay. Cool. Yeah. Okay. Yeah. Yeah. I'm just having a skim. Yeah. Yeah. Yeah. Yeah. Yeah. That's right. Yep. Yeah. That sounds right. It's definitely something I'd like to look at as, like, our next discussion, though. I think, like, with the baby coming and yeah. I don't know. Just trying to formalize our finances a bit more. I'd like to figure out what the steps next steps would be to kinda have that kind of a conversation. Mhmm. Mhmm. Yeah. Okay. Okay. That's a big one, please. Yeah. Yeah. Yeah. Yeah. Yeah. It would be good to explore that a bit more because, I mean, we have both done a bit of investing in the past. Like, we both own some shares, so it's not like a completely unfamiliar area to us. It's probably more about I mean, and and, you know, tell me if this is something you guys can support with as well, but probably just more more specifically around looking at, I suppose, how we've got our finances structured, like, whether our current cash flow and budgeting is suiting, like, the goals that we do have and how we can kind of reach those goals most efficiently with the income that we're gonna have over the next few years. Yeah. It'll probably be a twelve month break with about six months paid. So that's definitely gonna factor into everything. Yep. Yep. Yep. Yep. Yeah. Is that something you guys yeah. Go go go go go as well? No. I think yeah. Well, having Matt involved would be good as well. And, like, we we've briefly talked about it, but, like, if, you know, you and I figure out what what that next when that next conversation might be, then I can chat with Matt in advance, and we can kinda think through a little bit more what our goals actually are and and be a bit more ready for that convo. And, yeah, having him involved would definitely be best. Yep. Well, it's kind of both. Yeah. Like, I guess, it it is used as a buffer, and I I guess this is kind of the problem. It's probably multi use. It's all just sort of sitting in as one lump sum sum, and we use it towards holidays as well as, yeah, buffer for maintenance on the house and things like that. But it sits in the offset account so that it's also reducing our interest as it fits there. But we'd probably like to get, yeah, we'd probably like to get a bit more structured and have, you know, separate accounts for for, you know, saving towards holidays and things like that just so we sort of know know where where everything's going a bit more specifically. Yeah. Yeah. Yeah. Yeah. Well, we actually have done the step of having some extra accounts set up, but it's just sort of the process of figuring out, like, how much should we be allocating to each each of those different buckets and, like, what's realistic and actually gonna also, you know, get us make us feel like we get the chance to do the things we wanna do, you know, without setting back too much longer term. Yeah. Yeah. Mhmm. Yep. Yep. Okay. Yeah. Yeah. Gotcha. Yep. Mhmm. Yeah. Yeah. And so do you guys go through that process? I suppose, like so it sounds you know, having an idea of what the ideal percentages would be is obviously one element, but also reviewing what what the current percentages kind of are and where is all the spending going right now would be also another part of it. Is that something that you guys do, or would that be information that we would need to go away and, like, do our own kind of analysis on to bring to the meeting? Mhmm. Yeah. Yeah. Yep. Maybe back when I first joined, but certainly not anytime recently. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. That makes sense. Yep. Yeah. Yeah. Yeah. Yep. Yep. Cool. Yep. Yes. Mhmm. Yeah. Okay. That sounds like yeah. That sounds good. Exactly. Yeah. Yeah. Okay. Cool. And I just wanted to double check. Is that all included in the, like, annual amount that I am currently paying, or is there extra charge for that service? Okay. Perfect. Thank you. Yeah. Mhmm. Yeah. Okay. Cool. Thank you. Mhmm. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. That's alright. That's all correct. Yeah. Sure. No. That's all roughly. Correct? Mhmm. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Okay. Yep. Makes sense. Yeah. Okay. Mhmm. Yeah. Yep. Yep. Okay. Oh, yeah. Yep. Yep. Yeah. Yeah. Yeah. Definitely. Mhmm. Yep. I've got that in front of me. Okay. Okay. Okay. Yeah. Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Makes sense. Mhmm. Yep. Yeah. Okay. Okay. Yeah. Yeah. Okay. Yep. Yep. Yep. I got that. Mhmm. Mhmm. Yeah. Yeah. Yeah. Yeah. Okay. Mhmm. Yeah. Okay. Yes. Yep. Okay. Yep. That was okay. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yeah. Okay. Yep. Mhmm. Yeah. Yep. Makes sense. Mhmm. Yep. Yeah. Okay. Makes sense. Yep. Mhmm. Okay. And then you mentioned, obviously, also there's an initial brokerage fees for the change. Is that included in this fee comparison, or is that more like ongoing? It would be 1.7 lakh per year. Yep. Oh, yeah. Mhmm. Mhmm. Yeah. Yeah. Sure. No. It's gonna remind me. Oh, yeah. Okay. Mhmm. Yep. Yep. Okay. Well, this depends on the on the day or in the moment of when you're actually making the change. Yep. Okay. Yeah. Yep. Okay. Makes sense. Yeah. Yes. Okay. No worries. Yeah. Mhmm. Yeah. Yeah. Okay. Cool. Finger's correct. Yeah. Yeah. Yeah. Yeah. It does make sense, But it's like I don't know. Everything's so volatile at the moment. I don't feel I don't know. But I don't know enough to predict anything anyway. But, yeah, I'm fine with that. Yep. Approve the debit. Sorry. Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. I'm curious about the say, annualized investment returns as of 02/28/2026. So I think it's obvious. Yeah. It's obvious the difference between the current and recommended portfolio is at each different time interval except the ten years where the current portfolio is predicted at a higher growth at ten years? What's the what's the reason behind it? Mhmm. Right. Oh, okay. So this is this is looking back. Sorry. I was thinking this was, like, your projections. I was confused. K. Well, it's based on previous. Yeah. Okay. Yeah. Yeah. Yep. Yep. So the table above that is the future projection that I was thinking I was looking at in the table below, essentially. So lump sum in five years, lump sum in ten years is showing the difference that you're suggest you, you know, you're projecting based on making the changes to the recommended fund. Oh, that's a good one. Yep. Yep. Yeah. Yeah. Okay. No. That makes sense now. Yeah. It's clearly. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. That sounds good. I'm happy with that. Mhmm. Mhmm. Okay. Yeah. I I don't know if I just completely missed it, but did we talk about what my what the performance of my super has been since our last chat? Like, how has it changed? Yeah. I mean, it doesn't have to be specifically that, but maybe just like like, yeah, update in the last six to twelve months or something, what kind of changes we've seen. Mhmm. Mhmm. Yep. Yeah. Yeah. Yeah. Yeah. Okay. Mhmm. Yes. Yeah. Yeah. Okay. Alrighty. Yeah. Yeah. Yeah. Okay. Cool. Oh, well, Lisa's going back up. But, yeah, I know that's jumped all over the place anyway. So sounds like these changes will hopefully set us on a bit of a better direction as well. Fingers crossed. Yes. Mhmm. Yeah. Yes. Yeah. Yep. Yep. Sounds good. Mhmm. Yep. Yep. Yep. Okay. Cool. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Sounds good. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yeah. Okay. Cool. Sounds good. Yeah. Yep. Okay. Cool. Yeah. Yeah. I think that works well. If you shoot through the email and then, like, pencil in for someone to follow-up with us in a couple of weeks, that's probably best. Give me a chance to, like, talk it through and think it through and everything. And then, yeah, we'll make a time after that would be good. Yep. Yep. Yep. Yeah. Okay. That sounds good. I think that timing will probably be fine. Yep. Yep. No. I haven't gone through that process before. Yep. Mhmm. Yeah. Okay. Yeah. Yeah. I'm happy to just fill it in. It's happy to me. It's fine to send it blank. Yeah. All good. Yep. Yep. Okay. Cool. I don't think so. Mhmm. Yep. Yep. Yeah. And with the three year option, is that just then a case where there's some kind of, like, automatic reach out at the three or just prior to the three year mark to see what changes? Or, like, is that up to me to then re you know, sign a new one? Yeah. Yes. Oh, well, I'm happy to just do the legal legally binding ongoing version. Yep. Yep. Yep. Yeah. Okay. And so is that just like a checkbox on the form itself once I receive it? Or do I have to decide now? Yeah. Yeah. Okay. Yeah. Okay. Cool. Thanks. I don't think so. Yeah. No. I think that was the main things I wanted to cover, and I'm keen to have the next chat about getting a bit more structure in our finances and everything. So, yeah, keen to see the budget stuff you sent through and put my mind to that. But, yeah, for now that's that's all good. It's all clear. Yeah. Yep. Yep. Okay. Perfect. Thank you. No. All good. Thank you. 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Lauren speaking. I'm good. How are you? Oh, yeah.\n\nIt's finally a bit cooler, which is nice here in Rizzi. I know. I know. It's a nice change. Uh-huh.\n\nYep. Yep. Still good. Yep. Yep.\n\nTwenty second of the fourth nineteen ninety one and seventeen Maitland Street, Salisbury. Yes. That's fine. Yep. Yep.\n\nReady to receive. Okay. Oh, I just bought it already. Yeah. Easy.\n\nSo I've gone to the signed document. Yes. Yep. Got that. Yep.\n\nThat's the one I'm yep. Yep. Mhmm. Yeah. No worries.\n\nYep. Got it. Yeah. I mean, I think that's where we kinda started from when I first joined with Oakview. I don't I don't know if specifically a kind of focus on going even more ethical has happened since then, but, yeah, that's that's one of the things one of the kind of Mhmm.\n\nSpecifications, I suppose, I had when I first joined with you guys. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. That is right. Yeah. Yeah.\n\nThat's definitely something I haven't done. Yeah. So so that's why we're not there. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nI've made a note of that. It is very timely. Yeah. I'm pregnant as well. So I need to so it's a good time.\n\nYeah. Thanks. But, yeah, it is a really good time to be to get on top of that. So Yep. Okay.\n\nYeah. Yep. Yep. Yeah. Okay.\n\nCool. Yep. Sounds good. Yep. Okay.\n\nCool. Yeah. Okay. Yeah. Yeah.\n\nI'm just having a skim. Yeah. Yeah. Yeah. Yeah.\n\nYeah. That's right. Yep. Yeah. That sounds right.\n\nIt's definitely something I'd like to look at as, like, our next discussion, though. I think, like, with the baby coming and yeah. I don't know. Just trying to formalize our finances a bit more. I'd like to figure out what the steps next steps would be to kinda have that kind of a conversation.\n\nMhmm. Mhmm. Yeah. Okay. Okay.\n\nThat's a big one, please. Yeah. Yeah. Yeah. Yeah.\n\nYeah. It would be good to explore that a bit more because, I mean, we have both done a bit of investing in the past. Like, we both own some shares, so it's not like a completely unfamiliar area to us. It's probably more about I mean, and and, you know, tell me if this is something you guys can support with as well, but probably just more more specifically around looking at, I suppose, how we've got our finances structured, like, whether our current cash flow and budgeting is suiting, like, the goals that we do have and how we can kind of reach those goals most efficiently with the income that we're gonna have over the next few years. Yeah.\n\nIt'll probably be a twelve month break with about six months paid. So that's definitely gonna factor into everything. Yep. Yep. Yep.\n\nYep. Yeah. Is that something you guys yeah. Go go go go go as well? No.\n\nI think yeah. Well, having Matt involved would be good as well. And, like, we we've briefly talked about it, but, like, if, you know, you and I figure out what what that next when that next conversation might be, then I can chat with Matt in advance, and we can kinda think through a little bit more what our goals actually are and and be a bit more ready for that convo. And, yeah, having him involved would definitely be best. Yep.\n\nWell, it's kind of both. Yeah. Like, I guess, it it is used as a buffer, and I I guess this is kind of the problem. It's probably multi use. It's all just sort of sitting in as one lump sum sum, and we use it towards holidays as well as, yeah, buffer for maintenance on the house and things like that.\n\nBut it sits in the offset account so that it's also reducing our interest as it fits there. But we'd probably like to get, yeah, we'd probably like to get a bit more structured and have, you know, separate accounts for for, you know, saving towards holidays and things like that just so we sort of know know where where everything's going a bit more specifically. Yeah. Yeah. Yeah.\n\nYeah. Well, we actually have done the step of having some extra accounts set up, but it's just sort of the process of figuring out, like, how much should we be allocating to each each of those different buckets and, like, what's realistic and actually gonna also, you know, get us make us feel like we get the chance to do the things we wanna do, you know, without setting back too much longer term. Yeah. Yeah. Mhmm.\n\nYep. Yep. Okay. Yeah. Yeah.\n\nGotcha. Yep. Mhmm. Yeah. Yeah.\n\nAnd so do you guys go through that process? I suppose, like so it sounds you know, having an idea of what the ideal percentages would be is obviously one element, but also reviewing what what the current percentages kind of are and where is all the spending going right now would be also another part of it. Is that something that you guys do, or would that be information that we would need to go away and, like, do our own kind of analysis on to bring to the meeting? Mhmm. Yeah.\n\nYeah. Yep. Maybe back when I first joined, but certainly not anytime recently. Yep. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. That makes sense. Yep. Yeah. Yeah.\n\nYeah. Yep. Yep. Cool. Yep.\n\nYes. Mhmm. Yeah. Okay. That sounds like yeah.\n\nThat sounds good. Exactly. Yeah. Yeah. Okay.\n\nCool. And I just wanted to double check. Is that all included in the, like, annual amount that I am currently paying, or is there extra charge for that service? Okay. Perfect.\n\nThank you. Yeah. Mhmm. Yeah. Okay.\n\nCool. Thank you. Mhmm. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nThat's alright. That's all correct. Yeah. Sure. No.\n\nThat's all roughly. Correct? Mhmm. Mhmm. Yeah.\n\nMhmm. Mhmm. Mhmm. Mhmm. Yeah.\n\nOkay. Yep. Makes sense. Yeah. Okay.\n\nMhmm. Yeah. Yep. Yep. Okay.\n\nOh, yeah. Yep. Yep. Yeah. Yeah.\n\nYeah. Definitely. Mhmm. Yep. I've got that in front of me.\n\nOkay. Okay. Okay. Yeah. Mhmm.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Makes sense. Mhmm. Yep. Yeah.\n\nOkay. Okay. Yeah. Yeah. Okay.\n\nYep. Yep. Yep. I got that. Mhmm.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Mhmm. Yeah. Okay. Yes.\n\nYep. Okay. Yep. That was okay. Mhmm.\n\nYep. Mhmm. Mhmm. Yep. Yep.\n\nYeah. Okay. Yep. Mhmm. Yeah.\n\nYep. Makes sense. Mhmm. Yep. Yeah.\n\nOkay. Makes sense. Yep. Mhmm. Okay.\n\nAnd then you mentioned, obviously, also there's an initial brokerage fees for the change. Is that included in this fee comparison, or is that more like ongoing? It would be 1.7 lakh per year. Yep. Oh, yeah.\n\nMhmm. Mhmm. Yeah. Yeah. Sure.\n\nNo. It's gonna remind me. Oh, yeah. Okay. Mhmm.\n\nYep. Yep. Okay. Well, this depends on the on the day or in the moment of when you're actually making the change. Yep.\n\nOkay. Yeah. Yep. Okay. Makes sense.\n\nYeah. Yes. Okay. No worries. Yeah.\n\nMhmm. Yeah. Yeah. Okay. Cool.\n\nFinger's correct. Yeah. Yeah. Yeah. Yeah.\n\nIt does make sense, But it's like I don't know. Everything's so volatile at the moment. I don't feel I don't know. But I don't know enough to predict anything anyway. But, yeah, I'm fine with that.\n\nYep. Approve the debit. Sorry. Mhmm. Yeah.\n\nOkay. Yeah. Yeah. Yeah. I'm curious about the say, annualized investment returns as of 02/28/2026.\n\nSo I think it's obvious. Yeah. It's obvious the difference between the current and recommended portfolio is at each different time interval except the ten years where the current portfolio is predicted at a higher growth at ten years? What's the what's the reason behind it? Mhmm.\n\nRight. Oh, okay. So this is this is looking back. Sorry. I was thinking this was, like, your projections.\n\nI was confused. K. Well, it's based on previous. Yeah. Okay.\n\nYeah. Yeah. Yep. Yep. So the table above that is the future projection that I was thinking I was looking at in the table below, essentially.\n\nSo lump sum in five years, lump sum in ten years is showing the difference that you're suggest you, you know, you're projecting based on making the changes to the recommended fund. Oh, that's a good one. Yep. Yep. Yeah.\n\nYeah. Okay. No. That makes sense now. Yeah.\n\nIt's clearly. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat sounds good. I'm happy with that. Mhmm. Mhmm. Okay.\n\nYeah. I I don't know if I just completely missed it, but did we talk about what my what the performance of my super has been since our last chat? Like, how has it changed? Yeah. I mean, it doesn't have to be specifically that, but maybe just like like, yeah, update in the last six to twelve months or something, what kind of changes we've seen.\n\nMhmm. Mhmm. Yep. Yeah. Yeah.\n\nYeah. Yeah. Okay. Mhmm. Yes.\n\nYeah. Yeah. Okay. Alrighty. Yeah.\n\nYeah. Yeah. Okay. Cool. Oh, well, Lisa's going back up.\n\nBut, yeah, I know that's jumped all over the place anyway. So sounds like these changes will hopefully set us on a bit of a better direction as well. Fingers crossed. Yes. Mhmm.\n\nYeah. Yes. Yeah. Yep. Yep.\n\nSounds good. Mhmm. Yep. Yep. Yep.\n\nOkay. Cool. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Sounds good. Mhmm.\n\nMhmm. Mhmm. Yep. Mhmm. Yeah.\n\nOkay. Cool. Sounds good. Yeah. Yep.\n\nOkay. Cool. Yeah. Yeah. I think that works well.\n\nIf you shoot through the email and then, like, pencil in for someone to follow-up with us in a couple of weeks, that's probably best. Give me a chance to, like, talk it through and think it through and everything. And then, yeah, we'll make a time after that would be good. Yep. Yep.\n\nYep. Yeah. Okay. That sounds good. I think that timing will probably be fine.\n\nYep. Yep. No. I haven't gone through that process before. Yep.\n\nMhmm. Yeah. Okay. Yeah. Yeah.\n\nI'm happy to just fill it in. It's happy to me. It's fine to send it blank. Yeah. All good.\n\nYep. Yep. Okay. Cool. I don't think so.\n\nMhmm. Yep. Yep. Yeah. And with the three year option, is that just then a case where there's some kind of, like, automatic reach out at the three or just prior to the three year mark to see what changes?\n\nOr, like, is that up to me to then re you know, sign a new one? Yeah. Yes. Oh, well, I'm happy to just do the legal legally binding ongoing version. Yep.\n\nYep. Yep. Yeah. Okay. And so is that just like a checkbox on the form itself once I receive it?\n\nOr do I have to decide now? Yeah. Yeah. Okay. Yeah.\n\nOkay. Cool. Thanks. I don't think so. Yeah.\n\nNo. I think that was the main things I wanted to cover, and I'm keen to have the next chat about getting a bit more structure in our finances and everything. So, yeah, keen to see the budget stuff you sent through and put my mind to that. But, yeah, for now that's that's all good. It's all clear.\n\nYeah. Yep. Yep. Okay. Perfect.\n\nThank you. No. All good. Thank you. Okay.\n\nSounds good. Have a good hour. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.015983164310455322},{"text":"Lauren speaking.","start":0.88,"end":1.86,"sentiment":"neutral","sentiment_score":0.026006191968917847},{"text":"I'm good.","start":7.04,"end":7.68,"sentiment":"neutral","sentiment_score":0.32628870010375977},{"text":"How are you?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.24664040903250375},{"text":"Oh, yeah.","start":14.205,"end":14.845,"sentiment":"neutral","sentiment_score":0.19634949415922165}],"sentiment":"neutral","sentiment_score":0.18531931638717652,"num_words":10,"start":0.39999998,"end":14.845},{"sentences":[{"text":"It's finally a bit cooler, which is nice here in Rizzi.","start":14.845,"end":19.665,"sentiment":"positive","sentiment_score":0.4136147770014676},{"text":"I know.","start":22.365,"end":23.105,"sentiment":"neutral","sentiment_score":0.0527009516954422},{"text":"I 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already.","start":91.759995,"end":93.46,"sentiment":"neutral","sentiment_score":0.11296336849530537},{"text":"Yeah.","start":96.079994,"end":96.479996,"sentiment":"neutral","sentiment_score":0.25160273909568787},{"text":"Easy.","start":96.479996,"end":96.979996,"sentiment":"positive","sentiment_score":0.34828972816467285}],"sentiment":"neutral","sentiment_score":0.12258869456127286,"num_words":12,"start":75.055,"end":96.979996},{"sentences":[{"text":"So I've gone to the signed document.","start":124.74,"end":130.615,"sentiment":"neutral","sentiment_score":0.04017528093286923},{"text":"Yes.","start":136.755,"end":137.255,"sentiment":"neutral","sentiment_score":0.10957004874944688},{"text":"Yep.","start":137.315,"end":137.795,"sentiment":"neutral","sentiment_score":0.1185501515865326},{"text":"Got 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worries.","start":159.25499,"end":159.995,"sentiment":"neutral","sentiment_score":0.15297751128673553}],"sentiment":"positive","sentiment_score":0.3712369680404663,"num_words":10,"start":138.91501,"end":159.995},{"sentences":[{"text":"Yep.","start":171.56,"end":171.88,"sentiment":"neutral","sentiment_score":0.08760517835617065},{"text":"Got it.","start":171.88,"end":172.62001,"sentiment":"neutral","sentiment_score":0.1712207868695259},{"text":"Yeah.","start":192.77501,"end":193.015,"sentiment":"neutral","sentiment_score":0.06026820093393326},{"text":"I mean, I think that's where we kinda started from when I first joined with Oakview.","start":193.015,"end":198.12999,"sentiment":"neutral","sentiment_score":0.058757493970915675},{"text":"I don't I don't know if specifically a kind of focus on going even more ethical has happened since then, but, yeah, that's that's one of the things one of the kind of Mhmm.","start":198.26999,"end":213.205,"sentiment":"neutral","sentiment_score":0.04610763098496724}],"sentiment":"neutral","sentiment_score":0.055520265000975795,"num_words":54,"start":171.56,"end":213.205},{"sentences":[{"text":"Specifications, I suppose, I had when I first joined with you guys.","start":213.565,"end":217.265,"sentiment":"neutral","sentiment_score":0.043074107418457665},{"text":"Yeah.","start":230.78,"end":231.28,"sentiment":"neutral","sentiment_score":0.04266401752829552},{"text":"Yeah.","start":231.66,"end":232.16,"sentiment":"neutral","sentiment_score":0.06775419414043427},{"text":"Yeah.","start":232.38,"end":232.88,"sentiment":"neutral","sentiment_score":0.07156041264533997},{"text":"Yeah.","start":233.62,"end":234.12,"sentiment":"neutral","sentiment_score":0.14043204486370087}],"sentiment":"neutral","sentiment_score":0.052456247387453914,"num_words":16,"start":213.565,"end":234.12},{"sentences":[{"text":"Yeah.","start":234.86,"end":235.02,"sentiment":"neutral","sentiment_score":0.09896007925271988},{"text":"Yeah.","start":235.02,"end":235.52,"sentiment":"neutral","sentiment_score":0.12985777854919434},{"text":"That is 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made a note of that.","start":296.735,"end":298.275,"sentiment":"positive","sentiment_score":0.4184219241142273},{"text":"It is very timely.","start":298.735,"end":300.435,"sentiment":"positive","sentiment_score":0.5348986983299255},{"text":"Yeah.","start":302.095,"end":302.335,"sentiment":"neutral","sentiment_score":0.25216346979141235},{"text":"I'm pregnant as well.","start":302.335,"end":303.63498,"sentiment":"neutral","sentiment_score":0.1463632844388485},{"text":"So I need to so it's a good time.","start":303.69498,"end":306.25998,"sentiment":"neutral","sentiment_score":0.28982439471615684}],"sentiment":"positive","sentiment_score":0.3373401040832202,"num_words":24,"start":296.735,"end":306.25998},{"sentences":[{"text":"Yeah.","start":306.25998,"end":306.5,"sentiment":"positive","sentiment_score":0.3956536650657654},{"text":"Thanks.","start":306.5,"end":306.97998,"sentiment":"positive","sentiment_score":0.5941497087478638},{"text":"But, yeah, it is a really good time to be to get 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happy to just fill it in.","start":2598.3052,"end":2599.745,"sentiment":"positive","sentiment_score":0.579968546118055},{"text":"It's happy to me.","start":2599.745,"end":2600.385,"sentiment":"positive","sentiment_score":0.6712183505296707},{"text":"It's fine to send it blank.","start":2600.385,"end":2601.745,"sentiment":"neutral","sentiment_score":0.31685396035512287},{"text":"Yeah.","start":2601.745,"end":2602.145,"sentiment":"positive","sentiment_score":0.3989022970199585},{"text":"All 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now?","start":2763.135,"end":2765.395,"sentiment":"neutral","sentiment_score":0.012793022340961866},{"text":"Yeah.","start":2765.935,"end":2766.435,"sentiment":"neutral","sentiment_score":0.04509352520108223},{"text":"Yeah.","start":2767.2952,"end":2767.7952,"sentiment":"neutral","sentiment_score":0.07609323412179947},{"text":"Okay.","start":2767.95,"end":2768.45,"sentiment":"neutral","sentiment_score":0.048797354102134705},{"text":"Yeah.","start":2771.71,"end":2772.03,"sentiment":"neutral","sentiment_score":0.11908914893865584}],"sentiment":"neutral","sentiment_score":0.0344204017045823,"num_words":11,"start":2763.135,"end":2772.03},{"sentences":[{"text":"Okay.","start":2772.03,"end":2772.53,"sentiment":"neutral","sentiment_score":0.2244422733783722},{"text":"Cool.","start":2772.75,"end":2773.07,"sentiment":"positive","sentiment_score":0.4745725393295288},{"text":"Thanks.","start":2773.07,"end":2773.57,"sentiment":"positive","sentiment_score":0.5820349454879761},{"text":"I don't think so.","start":2782.27,"end":2784.325,"sentiment":"neutral","sentiment_score":-0.18054625391960144},{"text":"Yeah.","start":2784.7048,"end":2785.025,"sentiment":"neutral","sentiment_score":-0.03567668795585632}],"sentiment":"neutral","sentiment_score":0.06539850682020187,"num_words":8,"start":2772.03,"end":2785.025},{"sentences":[{"text":"No.","start":2785.025,"end":2785.265,"sentiment":"neutral","sentiment_score":-0.1463111937046051},{"text":"I think that was the main things I wanted to cover, and I'm keen to have the next chat about getting a bit more structure in our finances and everything.","start":2785.265,"end":2796.2249,"sentiment":"neutral","sentiment_score":0.0647514658824851},{"text":"So, yeah, keen to see the budget stuff you sent through and put my mind to that.","start":2796.2249,"end":2801.68,"sentiment":"positive","sentiment_score":0.34737879037857056},{"text":"But, yeah, for now that's that's all 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you.","start":2829.82,"end":2830.6401,"sentiment":"positive","sentiment_score":0.7573699653148651},{"text":"No.","start":2836.9402,"end":2837.26,"sentiment":"neutral","sentiment_score":-0.02921988070011139},{"text":"All good.","start":2837.26,"end":2837.98,"sentiment":"positive","sentiment_score":0.3436413109302521},{"text":"Thank you.","start":2837.98,"end":2838.8,"sentiment":"positive","sentiment_score":0.5059758126735687},{"text":"Okay.","start":2842.471,"end":2842.951,"sentiment":"positive","sentiment_score":0.517500102519989}],"sentiment":"positive","sentiment_score":0.4627817999571562,"num_words":8,"start":2829.82,"end":2842.951},{"sentences":[{"text":"Sounds good.","start":2842.951,"end":2843.5908,"sentiment":"positive","sentiment_score":0.7467561662197113},{"text":"Have a good hour.","start":2843.5908,"end":2844.571,"sentiment":"positive","sentiment_score":0.6602102220058441},{"text":"Bye.","start":2846.791,"end":2847.291,"sentiment":"positive","sentiment_score":0.41631388664245605}],"sentiment":"positive","sentiment_score":0.6500953010150364,"num_words":7,"start":2842.951,"end":2847.291}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Lauren speaking.\n\nChannel 0: Good afternoon, Lauren. It's Tommy here, senior adviser from Oakview. How are you doing today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Fantastic. It is a beautiful, brilliant day on the Gold Coast. What about your end?\n\nChannel 1: Oh, yeah. It's finally a bit cooler, which is nice here in Rizzi.\n\nChannel 0: I know. Right? Don't have to run the air conditioners all the time. Was it yeah.\n\nChannel 1: I know. I know. It's a nice change.\n\nChannel 0: I'm with you on that a 100%. I just had some updated advice documents to send through to you. I was wondering if\n\nChannel 1: Uh-huh.\n\nChannel 0: you still had a bit of time this afternoon.\n\nChannel 1: Yep. Yep. Still good.\n\nChannel 0: Perfect. Just before I jump into it, usual security check. So I'm\n\nChannel 1: Yep.\n\nChannel 0: registered with Asik as adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yep. Twenty second of the fourth nineteen ninety one and seventeen Maitland Street, Salisbury.\n\nChannel 0: Perfect. Thank you so much for that. And then are you okay for the call to be recorded?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Perfect. So I've got your advice document here. I was talking with Kyle who's currently unavailable at the moment. So I was gonna shoot that through to your Gmail account. Do you have access to that today?\n\nChannel 1: Yep. Yep. Ready\n\nChannel 0: Cool.\n\nChannel 1: to\n\nChannel 0: So\n\nChannel 1: receive.\n\nChannel 0: Easy done. I'm gonna shoot that through now. Now with our new system, first time you\n\nChannel 1: Okay.\n\nChannel 0: receive an email from our new system, it may go to your spam box, and it may go to your main inbox. And I have had two instances where it took about nine minutes. So\n\nChannel 1: Oh, I\n\nChannel 0: just\n\nChannel 1: just bought\n\nChannel 0: wanna\n\nChannel 1: it already.\n\nChannel 0: instant and perfect. That's great.\n\nChannel 1: Yeah. Easy.\n\nChannel 0: Awesome. So what I'd like you to do, if you could, please, is on that document itself, there's a number of attachments. There will be a, like, an appendix with some additional research and an updated financial services guide from Oakview just with all of our updated licensing information. But there should actually be a link to review the statement of advice itself, like a little hyperlink. Can you see that there, and can you access it?\n\nChannel 1: So I've gone to the signed\n\nChannel 0: Yep. And the first one that should pop up,\n\nChannel 1: document.\n\nChannel 0: it should have that sort of beachfront Gold Coast City logo on the front there.\n\nChannel 1: Yes. Yep. Got that. Yep. That's\n\nChannel 0: Perfect.\n\nChannel 1: the one I'm\n\nChannel 0: Perfect. Perfect. So that's what I wanted to run through with you today.\n\nChannel 1: yep.\n\nChannel 0: Just\n\nChannel 1: Yep.\n\nChannel 0: make sure you're comfortable with all of the recommendations that Carl put together. I did\n\nChannel 1: Mhmm.\n\nChannel 0: actually review them this morning as well just to make sure they're all good, and I have just put my name on the document just because I'll be the adviser presenting them to you.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. So if you have a little scroll down about four pages, you should see the scope of advice heading, and it should say scope of advice considered in blue there. Can you see that?\n\nChannel 1: Yep. Got it.\n\nChannel 0: Perfect. So the main thing at the moment, from what I can gather as well is that we're doing some updated super advice, and it was mainly just around about updating your sustainable investments just to try and get them a little bit better and make things a little bit more ethical in your soup. Does that sound about right?\n\nChannel 1: Yeah. I mean, I think that's where we kinda started from when I first joined with Oakview. I don't I don't know if specifically a kind of focus on going even more ethical has happened since then, but, yeah, that's that's one of the things one of the kind of Mhmm. Specifications, I suppose, I had when I first joined with you guys.\n\nChannel 0: Yeah. And part of Carl's notes too and and that explanation was that you wanted to kind of explore just going a little bit more diversified with it. Because, obviously, if you go just into ethical, it tends to lean you into only a few different asset classes\n\nChannel 1: Yeah.\n\nChannel 0: and shares.\n\nChannel 1: Yeah.\n\nChannel 0: So just\n\nChannel 1: Yeah.\n\nChannel 0: kind of branching out. Does\n\nChannel 1: Yeah.\n\nChannel 0: that sound right?\n\nChannel 1: Yeah. Yeah. That is right. Yeah.\n\nChannel 0: Perfect. The only other thing that we've included as well was just adviser identified just to make sure that the beneficiary nominations were up to date for both the super and the MetLife, and just making sure that we've got, like, a will and a power of attorney in place. So as long as you don't have those, we tend to just do a bit of a reminder to try and get that in place.\n\nChannel 1: Yeah. That's definitely something I haven't done.\n\nChannel 0: No. That is totally fine. We\n\nChannel 1: Yeah.\n\nChannel 0: can help you\n\nChannel 1: So\n\nChannel 0: with\n\nChannel 1: so that's\n\nChannel 0: beneficiaries\n\nChannel 1: why we're not\n\nChannel 0: and\n\nChannel 1: there.\n\nChannel 0: and, look, it's one of those things where at our age, it it's kind of out of sight, out of mind. And then once you start building up more assets and family and things like that, it becomes a little bit more kind of to the forefront. But\n\nChannel 1: Yeah.\n\nChannel 0: it's, like, one of those things that if you do have that minute to even pop by the post office and get a $25 will kit, something's better than nothing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But at the very least, we just wanna make sure that your beneficiaries are going to the right spot as well.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. I've made a note of that.\n\nIt is very timely. Yeah. I'm pregnant as well.\n\nChannel 0: Oh,\n\nChannel 1: So I need to so it's a good time. Yeah. Thanks. But, yeah,\n\nChannel 0: congratulations.\n\nChannel 1: it is a really good time to be to get on top of that. So\n\nChannel 0: Yeah. So one of the things that I can kind of just tell you straight away too is we deal a lot with people trying to look after minors. So depending on how much you have in, like, super life insurance, other assets, just making sure that people who are 18 are looked after as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So one of the things to think about, and it's not even really a conversation for today, is that once your your child is born and everything's good, do you still want everything to be going, for example, straight to a partner or somebody directly, or do you wanna put some provisions in place so that the child is looked after? Because, obviously, everything would go to their guardian after you,\n\nChannel 1: Yeah.\n\nChannel 0: and they would essentially control the funds. So if\n\nChannel 1: Yep.\n\nChannel 0: there's\n\nChannel 1: Yep.\n\nChannel 0: any issues with that, then there's other steps and things you can put in place.\n\nChannel 1: Yeah. Okay. Cool.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Sounds\n\nChannel 0: when we do\n\nChannel 1: good.\n\nChannel 0: those reviews with you, we'll touch on it, and we'll kind of update your estate plan as we go alongside your super plan.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Perfect. The only other thing too was just on that next page, we have a limited consideration for insurance. Just making sure that, obviously, we keep the insurances in place and that we're factoring in the premiums to, like, the projections and things like that.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K? Can you see that on that next page? It should say scope of advice limited consideration, and the one after that is what's not been considered in this document.\n\nChannel 1: Yeah. Yeah. I'm just having a skim.\n\nChannel 0: So the main thing there when it comes to, I guess, cash flow advice is that you obviously had a little goal there to go to Japan\n\nChannel 1: Yeah.\n\nChannel 0: with your partner. We're obviously not giving you advice for that because that's something that you're able to sort of manage personally.\n\nChannel 1: Yeah.\n\nChannel 0: We're\n\nChannel 1: Yeah.\n\nChannel 0: really just focusing on updating the super at this point.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Perfect. Debt management and investing. So, obviously, the mortgage, getting that paid down, and something\n\nChannel 1: Yep.\n\nChannel 0: to sort of come back to is personal investments. If at any point you and your partner would like to investigate investing personally, that's something that we can certainly help with, but we're not doing that today. Does that sound right?\n\nChannel 1: Yeah. That sounds right. It's definitely something I'd like to look at as, like, our next discussion, though. I think, like, with the baby coming and yeah. I don't know.\n\nJust trying to formalize our finances a bit more. I'd like to figure out what the steps next steps would be to kinda have that kind of a conversation.\n\nChannel 0: Perfect. And that's one of my most fun conversations because we do a little bit of what I call like a toe dip into investing, where if\n\nChannel 1: Mhmm.\n\nChannel 0: you and your partner would like to just start investing with, like, a small amount and and just don't do anything too risky, with your current super fund, they actually offer investment accounts too, and they can be linked up with your super account. You can have them on the one login, and they've got all the same investment options.\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: we can\n\nChannel 1: That's\n\nChannel 0: kind\n\nChannel 1: a big\n\nChannel 0: of take\n\nChannel 1: one,\n\nChannel 0: an\n\nChannel 1: please.\n\nChannel 0: approach there. And once the the baby is born too, we can also do investing towards, you know, helping them for a house deposit when they're 18. So there's things like bonds that we can do. So you can hand them, like, here's a nice package when you're 18. It's all\n\nChannel 1: Yeah.\n\nChannel 0: tax paid, and you can have a deposit for a house or whatever your goal is with your partner.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. It would be good to explore that a bit more because, I mean, we have both done a bit of investing in the past.\n\nLike, we both own some shares, so it's not like a completely unfamiliar area\n\nChannel 0: Oh, fantastic.\n\nChannel 1: to us.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: It's probably more about I mean, and and, you know, tell me if this is something you guys can support with as well, but probably just more more specifically around looking at, I suppose, how we've got our finances structured, like, whether our current cash flow and budgeting is suiting, like, the goals that we do have and how we can kind of reach those goals most efficiently with the income that we're gonna have over the next few years.\n\nChannel 0: Yeah. Absolutely. And are you considering taking off, like, a short or long span for, like, maternity leave and things like that as well?\n\nChannel 1: Yeah. It'll probably be a twelve month break with about six months paid. So that's definitely gonna factor into everything.\n\nChannel 0: Mhmm. Yeah. It'll kind of put a pause on a few things just for a period\n\nChannel 1: Yep.\n\nChannel 0: of time and then sort of dive back into it after that as well.\n\nChannel 1: Yep. Yep. Yep. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Is that\n\nChannel 0: So that's certainly\n\nChannel 1: something\n\nChannel 0: something\n\nChannel 1: you\n\nChannel 0: we\n\nChannel 1: guys\n\nChannel 0: can do.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Go go go go go as well?\n\nChannel 0: And that kind of sounds like something that we should possibly have as a bit of a joint discussion, or would you like to kind of just steer that ship and and have a discussion with myself or one of the advisers solo?\n\nChannel 1: No. I think\n\nChannel 0: What\n\nChannel 1: yeah.\n\nChannel 0: would\n\nChannel 1: Well,\n\nChannel 0: be\n\nChannel 1: having\n\nChannel 0: your preference?\n\nChannel 1: Matt involved would be good as well. And, like, we we've briefly talked about it, but, like, if, you know, you and I figure out what what that next when that next conversation might be, then I can chat with Matt in advance, and we can kinda think through a little bit more what our goals actually are and and be a bit more ready for that convo. And, yeah, having him involved would definitely be best.\n\nChannel 0: Yeah. And just to kind of tailor that a little bit, can I just ask you two quick questions with regards to your current finances?\n\nChannel 1: Yep.\n\nChannel 0: So with the savings and shares that we have listed at the moment, would you say that the main usage for all the savings is just to have that kind of emergency fund buffer or sitting in an offset account for the mortgage? What's the kind of main use for funds\n\nChannel 1: Well, it's kind of\n\nChannel 0: at\n\nChannel 1: both. Yeah.\n\nChannel 0: the\n\nChannel 1: Like, I guess, it it is used\n\nChannel 0: moment?\n\nChannel 1: as a buffer, and\n\nChannel 0: Yep.\n\nChannel 1: I I guess this is kind of the problem. It's probably multi use. It's all just sort of sitting in as one lump sum sum, and we use it towards holidays as well as, yeah, buffer for maintenance on the house and things like that. But it sits in the offset account so that it's also reducing our interest as it fits there.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: A\n\nChannel 1: we'd\n\nChannel 0: bit\n\nChannel 1: probably\n\nChannel 0: of everything.\n\nChannel 1: like to get, yeah, we'd probably like to get a bit more structured and have, you know, separate accounts for for, you know, saving towards holidays and things like that just so we sort of know know where where everything's going a bit more\n\nChannel 0: Yeah.\n\nChannel 1: specifically.\n\nChannel 0: I've been\n\nChannel 1: Yeah.\n\nChannel 0: doing that with my my wife the last few years because we just bought, like, an investment property as well. And she's basically just like, you're a financial planner. Please sort it all out. But then she wants to make sure we've got some short term splurge money because we've got three kids and a third on the way. We're gonna have\n\nChannel 1: Yeah.\n\nChannel 0: that holiday fund building up in the background, and then we've got to invest as well. So we actually went through with our bank and set up about four or five offset accounts, all offsetting the mortgage and had it all split into the different categories. I don't know if that might\n\nChannel 1: Yeah.\n\nChannel 0: be helpful.\n\nChannel 1: Yeah. Well, we actually have done the step of having some extra accounts set up, but it's just sort of the process of figuring out, like, how much should we be allocating to each each of those different buckets and, like, what's realistic and actually gonna also, you know, get us make us feel like we get the chance to do the things we wanna do, you know, without\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: setting back too much longer term.\n\nChannel 0: And so two quick things I've got on that too is, like, when it comes to splitting up buckets, regardless of your income level, I find it helpful to kind of get a percentage picture about\n\nChannel 1: Yeah.\n\nChannel 0: what the funds are going towards. So\n\nChannel 1: Yeah.\n\nChannel 0: I'll give you an example with mine. So we have about 60% of our incomes going towards expenses.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got about 10%, which we put aside for, like, we call it splurging, 10% for the longer term fund that we don't wanna just spend it every week. We wanna build it up for a year and do the nice holiday. And then\n\nChannel 1: Yep.\n\nChannel 0: 20% goes towards filling up the savings. And then once the savings filled, it goes into investing. So\n\nChannel 1: Yep.\n\nChannel 0: we kind\n\nChannel 1: Okay.\n\nChannel 0: of everything pulls into that. So even if I get bonuses or anything like that, pay rises and so on, it all gets split into those proportions.\n\nChannel 1: Yeah. Yeah. Gotcha. Yep.\n\nChannel 0: So I find just getting that picture about what\n\nChannel 1: Mhmm.\n\nChannel 0: categories are doing and and how much you're spending on each is kinda helpful because then you can see, look, are we overspending on the trivial things? Are our expenses too high? So, obviously, if your expenses are too high, your two options are either earn more or try and find ways to save on, you know, not having Disney plus and Netflix and and all those\n\nChannel 1: Yeah.\n\nChannel 0: things.\n\nChannel 1: Yeah. And so do you guys go through that process? I suppose, like so it sounds you know, having an idea of what the ideal percentages would be is obviously one element, but also reviewing what what the current percentages kind of are and where is all the spending going right now would be also another part of it. Is that something that you guys do, or would that be information that we would need to go away and, like, do our own kind of analysis on to bring to the meeting?\n\nChannel 0: A little bit of both. So the way we like to do it as well is we send through a bit of a budget planner if you don't already have one, and\n\nChannel 1: Mhmm.\n\nChannel 0: it just lets you input all of your different expenses and and cash flow items, and it'll convert it from weekly, fortnightly, monthly, quarterly, all that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: And that just goes that one extra step of depth so that we can talk about what may need to be increased or decreased. So\n\nChannel 1: Yeah.\n\nChannel 0: I can definitely shoot you through a budget planner as well if you would like to go through that with your partner and bring that to the meeting. And\n\nChannel 1: Yep.\n\nChannel 0: then it's really just about stepping through the goals because have you ever gone through our, like, Oakview financial services guide before?\n\nChannel 1: Maybe back when I first joined, but certainly not anytime recently.\n\nChannel 0: Yeah. So there's a really good little reminder in there. We call it an Oakview wealth cycle. And\n\nChannel 1: Yep.\n\nChannel 0: it's because everything with Oakview is tree analogies, it talks about setting in place your roots, building up that nice stable trunk over time, and then branching out into different things when the time is right. And it's\n\nChannel 1: Yeah.\n\nChannel 0: basically just an analogy of stepping through life stages. So depending on where you're sitting with your partner, we would gradually move you along those stages towards\n\nChannel 1: Yeah.\n\nChannel 0: the different areas as well. So first things first is let's get a handle on the budget. And then once\n\nChannel 1: Yeah.\n\nChannel 0: that's handled, we may spend three to twelve months just seeing how that runs in practice,\n\nChannel 1: Yep.\n\nChannel 0: and then we start diving into investment discussions and tie that into your debt goals to make sure that you can actually meet both goals and they're not conflicting with each other.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: one\n\nChannel 1: That\n\nChannel 0: of the\n\nChannel 1: makes\n\nChannel 0: things\n\nChannel 1: sense.\n\nChannel 0: I would do with your partner as well is just do a personal risk profile because\n\nChannel 1: Yep.\n\nChannel 0: you probably don't wanna invest your money that you may access in five, ten years personally the exact same way that you do for your super that's locked away for thirty years.\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Does that kinda make sense?\n\nChannel 1: Yep. Cool.\n\nChannel 0: Yeah. So after this meeting, I will shoot you through a bit of a budget planner.\n\nChannel 1: Yep.\n\nChannel 0: We can set a bit of a catch up to go through the budget side of things after that and then maybe go through some or in that meeting, I would like to just revisit your goals and sort of\n\nChannel 1: Yes.\n\nChannel 0: see what's the priorities for the short term and\n\nChannel 1: Mhmm.\n\nChannel 0: how far we should space everything out.\n\nChannel 1: Yeah. Okay. That\n\nChannel 0: Cool.\n\nChannel 1: sounds\n\nChannel 0: So\n\nChannel 1: like yeah. That sounds good.\n\nChannel 0: awesome.\n\nChannel 1: Exactly.\n\nChannel 0: I'll make a few notes on the file, send you through the budget planner. Just have a chat to your partner about the few things that I mentioned in the email, and then\n\nChannel 1: Yeah.\n\nChannel 0: we can we can go ahead and book a time, whether it's in a couple of weeks or three months or whenever it's appropriate for you both.\n\nChannel 1: Yeah. Okay. Cool. And I just wanted to double check. Is that all included in the, like, annual amount that I am currently paying, or is there extra charge for that service?\n\nChannel 0: Yeah. Great question. It's all included in the service fee that you already pay.\n\nChannel 1: Okay. Perfect. Thank you.\n\nChannel 0: The only difference would be, let's say, we go ahead and I'll just give you an example. I had a couple a couple of weeks ago who put in, I think, $75,000 into an investment platform that they wanted us to manage. Obviously, there's a fee to do the advice to set that up and manage\n\nChannel 1: Yeah.\n\nChannel 0: that the same as the superannuation. But as\n\nChannel 1: Mhmm.\n\nChannel 0: far as those budget discussions, goal planning, that's all included.\n\nChannel 1: Yeah. Okay. Cool. Thank you.\n\nChannel 0: Awesome. Would love to do that with you guys. I'm just gonna double check with you because it may have been a little bit of time. Do you can you see in that advice document on page eight, nine, and 10, it's got an about you section with your\n\nChannel 1: Mhmm.\n\nChannel 0: personal details and your assets and liabilities. Can you just double check that those are pretty close to the market? They haven't changed significantly.\n\nChannel 1: Yep.\n\nChannel 0: And we've got phone number and email is still the same. Still a consultant psychologist earning about a 108,000. We've\n\nChannel 1: Yeah.\n\nChannel 0: got the home, the savings, the shares, and the car.\n\nChannel 1: Yeah. Yep. Yep. Yep. Yep.\n\nThat's alright.\n\nChannel 0: Perfect.\n\nChannel 1: That's\n\nChannel 0: We\n\nChannel 1: all\n\nChannel 0: can't\n\nChannel 1: correct.\n\nChannel 0: always capture the exact value on a certain day, but, obviously, things change every single day. If there's ever, like, a significant change of, say, more than 20% or something, it may impact the advice. So I just wanted to double check with you.\n\nChannel 1: Yeah. Sure. No. That's all roughly. Correct?\n\nChannel 0: Perfect. Perfect. If you go through past there, you'll see\n\nChannel 1: Mhmm.\n\nChannel 0: the current super with hub twenty four, and you do have those MetLife insurances for the life TBD and income protection. You do have pretty well a full suite of insurances that's covering\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: all of the debts. It's covering your income. It's pretty much as good as you can possibly get, probably\n\nChannel 1: Mhmm.\n\nChannel 0: top 5%. If that continues to increase because it is not too bad just based on your age. But once you get through forties and fifties, that can jump up very quickly. So as you\n\nChannel 1: Mhmm.\n\nChannel 0: pay down the debts, part of that discussion may be, do we reduce insurances down as you pay down your mortgage versus investing and building your assets up on the other side?\n\nChannel 1: Mhmm. Mhmm. Yeah. Okay. Yep.\n\nMakes sense.\n\nChannel 0: So we have factored that into the projections because I know we're updating the portfolio for the super. We just wanna make sure that it's still tracking along pretty well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And you do still have trauma insurance as well, which you've paid out of pocket, and that's\n\nChannel 1: Mhmm.\n\nChannel 0: for your heart attack, stroke, and cancer. There's other conditions as well, but it's just those ones outside of, you know, death and disability, the main lump\n\nChannel 1: Yeah.\n\nChannel 0: sums.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Perfect. Your risk profile on page twelve thirteen, we've still got you as a high growth. So, again, focused on high long term returns. Obviously, a bit of a roller coaster ride in between. I'm not sure if you've seen what's been happening the last couple of months.\n\nChannel 1: Oh, yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: The ups and downs we're experiencing at the moment, double digit swings, 10% and above. And even in the span of two days, the funds could go up and down four or 5%. So it's\n\nChannel 1: Yeah.\n\nChannel 0: definitely we tend to use a lot of buzzwords in the industry like volatility and risk and things like that, but what I'm basically saying is that right now with everything going on, it's just higher highs and lower lows compared to what it was like last year, which was a bit more slow moving.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: K. So if you scroll down past\n\nChannel 1: Definitely.\n\nChannel 0: there, you should see on page 14 strategy recommendations. It is a bit of a wall of text, so I just wanna kind of summarize it for you. But if you can\n\nChannel 1: Mhmm.\n\nChannel 0: let me know when you can see that.\n\nChannel 1: Yep. I've got that in front of me.\n\nChannel 0: Cool. So there is an investment switch recommended here, which will be in a table below. But, basically, the main best interest duty here just talks about trying to leave you in a better position and\n\nChannel 1: Okay.\n\nChannel 0: trying to meet your goals. So things that we factored into this is not just insurance premiums, fees, and taxes. It's also like capital gains tax for your super by switching your investments around. So\n\nChannel 1: Okay. Okay.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: we've got control under the hood, we can actually see what that is, whereas most of the funds is just kind of hidden. So we have to make sure that we're careful with that when we're moving things around.\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: We have your retirement age still set currently for around about 65. Obviously, give or take, if you can go a little bit earlier, that's ideal. But\n\nChannel 1: Yeah.\n\nChannel 0: what we can't do is project out thirty one years and say you are definitely on track, factoring in all your life changes,\n\nChannel 1: Yeah.\n\nChannel 0: inflation, cost of living. Like, there's a bit too many variables. So we just start off with, like, a ten year projection just to try\n\nChannel 1: Yeah.\n\nChannel 0: and get you in a better position.\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: K. So if you scroll down past there, you'll see a table that lists, like, advantages and disadvantages.\n\nChannel 1: Mhmm.\n\nChannel 0: And, basically, the main thing is the investments Carl's picks is just trying to get you into some lower fee ETFs, reduce that investment fees a little bit, keep you in line with your risk profile, and just get you a little bit better on the performance side.\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: Because of all of the fluctuations in your investments, the switches he was looking to recommend, he was able to offset any gains with some losses so that you don't pay any capital gains tax through your super.\n\nChannel 1: Okay.\n\nChannel 0: So the only real disadvantage is that we can't guarantee performance because the markets do what they do, And all the investments that we use, they're ETFs, so there's brokerage fees. You purchase\n\nChannel 1: Yeah.\n\nChannel 0: them up front. It's a little bit of an entry cost, but then they're lower fee ongoing, so we have to factor that in as well.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: K? If you go through past that point, you will see an investments table on page 17. It will be like a blue table with a little bit of red text about what investments are being sold and\n\nChannel 1: Yep.\n\nChannel 0: some black text for what's being bought. Can you see that there?\n\nChannel 1: Yep. I got that.\n\nChannel 0: Yep. Now I won't go too too crazy into this, but the main thing is there's a reduction in your sustainable options, which is the top\n\nChannel 1: Mhmm.\n\nChannel 0: two.\n\nChannel 1: Mhmm.\n\nChannel 0: And they're basically being brought back to, like, a flat weighting. So if you see in the current weighting column, 30.29%. And then on the\n\nChannel 1: Yeah.\n\nChannel 0: right hand side, you'll see, like, a 15% flat.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So what Carl and the team basically did is we punched all of those investment options in to get all the different assets, and we're just trying to bring it down a little bit so that you're not too heavy into one type of asset.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently. So 5% to that. And then a few things like the bottom there, the S and P 500.\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: That's just your standard top 500 companies in The US. And, again, the S and P 500, probably, like, the best performing index in the world at the moment over the long\n\nChannel 1: Yes. Yep. Okay. Yep.\n\nChannel 0: term. K.\n\nChannel 1: That was\n\nChannel 0: So there's\n\nChannel 1: okay.\n\nChannel 0: a few little things there.\n\nChannel 1: Mhmm.\n\nChannel 0: And a slight bump up to your the Aware shares there in the middle, which are a little bit more towards the ethical side, but they're not straight into mining companies, but they're also not purely into just green energy. They're a little bit\n\nChannel 1: Yep.\n\nChannel 0: of a hybrid mix, if you will.\n\nChannel 1: Mhmm. Mhmm. Yep.\n\nChannel 0: K? So if you go down past there, you will see the asset allocation pie chart after that. Your risk profile being high growth, you have a range between 90 to a 100% being in growth assets, which is like shares, property, and gold. You're currently sitting about 93 with the recommended changes. It's sitting at about just under 95.\n\nIt's pretty much smack bang in the middle of that risk profile.\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: K? So very little in the way of, like, safe, low fee investments, but, obviously, the whole point there is get higher long term returns, build up your funds. And then\n\nChannel 1: Yep.\n\nChannel 0: when you're approaching retirement, you probably don't wanna be high growth at 64 and\n\nChannel 1: Mhmm.\n\nChannel 0: lose half your super, so we have to protect it gradually as you get closer.\n\nChannel 1: Yeah. Yep. Makes sense.\n\nChannel 0: So how we basically do that is once you hit that last ten years, we're probably gonna start reducing your growth allocation from ninety percent eighty, seventy, sixty, fifty, 40, and\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: there's your safe pension account to live off.\n\nChannel 1: Yeah. Okay. Makes sense.\n\nChannel 0: Makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. There's a bit of a fee comparison on the next page. So, basically, with the same platform in Hub 24, there's no difference in the cost of the account, but it reduces the investment fees by about a $137, which is around about a third off on the investment percentage fee.\n\nChannel 1: Mhmm. Okay. And\n\nChannel 0: K?\n\nChannel 1: then you mentioned, obviously, also there's an initial brokerage fees for the change. Is that\n\nChannel 0: Yeah.\n\nChannel 1: included in this fee comparison, or is that more\n\nChannel 0: So\n\nChannel 1: like ongoing? It would be 1.7 lakh per year.\n\nChannel 0: that's more ongoing because those investment\n\nChannel 1: Yep.\n\nChannel 0: fees talk about, they call it the MER, which is a percentage investment fee before\n\nChannel 1: Oh,\n\nChannel 0: you get\n\nChannel 1: yeah.\n\nChannel 0: your performance, before you get\n\nChannel 1: Mhmm.\n\nChannel 0: your your returns. And then the\n\nChannel 1: Mhmm.\n\nChannel 0: returns that you get in your account are after fees. They're the net\n\nChannel 1: Yeah.\n\nChannel 0: returns.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: K? The only thing there would be the brokerages, I think, 0.11% for Hub. They do something called aggregated trading. Has anyone mentioned that to you before in your last review with Kyle?\n\nChannel 1: No. It's gonna remind me.\n\nChannel 0: It's probably the last sort of technical thing I'm gonna throw at you because I don't wanna bombard you with jargon. But this really cool thing that Hub does is if you're buying or selling shares and ETFs and someone else is buying and selling them, instead of paying brokerage fees, they can just swap them between the people.\n\nChannel 1: Oh, yeah. Okay. Mhmm.\n\nChannel 0: What that basically does, we can't actually estimate the savings, but it's somewhere between zero and seventy percent of the brokerage fees get waived depending on who's trading what. Most of the people I've seen, it reduces it by at least 50%.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: So it's just a cool\n\nChannel 1: Well,\n\nChannel 0: little\n\nChannel 1: this depends\n\nChannel 0: feature they do.\n\nChannel 1: on the on the day or in the moment of when you're actually making the change.\n\nChannel 0: Yes. Exactly. Right. So if I do it today, it can be the last week. It will depend on what proportion gets aggregated.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. A similar thing is how I mentioned before the fee linking. So let's say we did have an investment account one day, it would average out between your super and the investment, and it would push you along the tiered admin fee a little bit quicker. So Hub will reduce your percentage admin fee when you go above 250,000, and it drops very quickly from, I think, 0.36% to, like, 0.12. It drops in, like, a third.\n\nSo once you've got pension accounts, super accounts, investment accounts, even with your partner potentially, you can link all of them together, and you could even have six to eight accounts linked together and then just reduce the fees across the whole lot.\n\nChannel 1: Yeah. Yep. Okay. Makes sense.\n\nChannel 0: So this is just based on your balance at the moment. If that comes\n\nChannel 1: Yeah.\n\nChannel 0: into it, we do have calculators that can show us that as well.\n\nChannel 1: Yes. Okay. No worries.\n\nChannel 0: Cool. Performance wise, we did a bit of an estimate going backwards five years just to show you a bit of a five year rolling average at the bottom of that table. 9.66% versus 11.18. Again, that's just going backwards, so don't really know exactly what's gonna happen with the market this year and next year, but just showing\n\nChannel 1: Yeah.\n\nChannel 0: that in the same scenarios, the performance difference.\n\nChannel 1: Mhmm. Yeah. Yeah. Okay. Cool.\n\nFinger's\n\nChannel 0: Sure.\n\nChannel 1: correct.\n\nChannel 0: Fingers crossed. The main thing here too is most portfolio updates, you're pretty well likely that in any scenario to get that little bit of a performance difference that we're aiming for, pretty well, it's highly probable. The only difference with yours is that switching from ethical shares to to different assets means that if the green energy sector goes up and the mining sector goes down, you're gonna get a bit of a split between the two portfolios.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So it just makes it slightly less certain, if that makes sense.\n\nChannel 1: Yeah. It does make sense, But it's like I don't know. Everything's so volatile at the moment. I don't feel I don't know. But I don't know enough to predict anything anyway.\n\nBut, yeah, I'm fine with that. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Approve\n\nChannel 0: And the\n\nChannel 1: the\n\nChannel 0: main\n\nChannel 1: debit.\n\nChannel 0: thing that we\n\nChannel 1: Sorry.\n\nChannel 0: do, there's a little bit of an estimate on the next page that has a bit of a five to ten year projection just to try and get you in a better position. But\n\nChannel 1: Mhmm.\n\nChannel 0: I guess the main the main expectation that I can give you is all of these picks are supposed to average out better over a long period of time. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: over ten, twenty, thirty years, it's to get you in a better position. Regardless of what happens in three or six months, if the averages are better taking into account\n\nChannel 1: Yeah.\n\nChannel 0: all of the cycles that have already happened, and I'm talking\n\nChannel 1: Yeah.\n\nChannel 0: global financial crisis, COVID, this current situation. If it averages out better every single time, then you've got a much better chance of getting a better outcome.\n\nChannel 1: Yeah. I'm curious about the say, annualized investment returns as of 02/28/2026. So\n\nChannel 0: Yes.\n\nChannel 1: I think it's obvious. Yeah. It's obvious the difference between the current and recommended portfolio is at each different time interval except the ten years where the current portfolio is predicted at a higher growth at ten\n\nChannel 0: Yes.\n\nChannel 1: years?\n\nChannel 0: Great\n\nChannel 1: What's\n\nChannel 0: spot.\n\nChannel 1: the\n\nChannel 0: Great spot.\n\nChannel 1: what's\n\nChannel 0: So when\n\nChannel 1: the reason\n\nChannel 0: we were going\n\nChannel 1: behind\n\nChannel 0: back through\n\nChannel 1: it?\n\nChannel 0: it, basically, if we think ten years back from now, that's 2016. From 2016 to 2021, the sustainable sector had a huge search,\n\nChannel 1: Mhmm. Right.\n\nChannel 0: and\n\nChannel 1: Oh,\n\nChannel 0: all\n\nChannel 1: okay.\n\nChannel 0: of those\n\nChannel 1: So this\n\nChannel 0: companies\n\nChannel 1: is this is looking back. Sorry. I was thinking this was, like, your projections. I was confused.\n\nChannel 0: Yeah. So\n\nChannel 1: K.\n\nChannel 0: this\n\nChannel 1: Well,\n\nChannel 0: is looking\n\nChannel 1: it's based\n\nChannel 0: backwards.\n\nChannel 1: on previous.\n\nChannel 0: So,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: basically, what we're trying to do is make sure that going forward, it's looking better. So the the weird trick that we have to play is looking backwards, trying to get better performance like for like in the same scenarios, but at the same time, then factor in what may happen going forward as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And Yep. Though I love all of those types of companies, they had such a massive surge in those five years that everyone started selling them off gradually in the last five to six years or so. We still wanna keep you in them, of course, but they haven't been, I guess, projected to do as well as, like, your gold and your other assets over the next ten years.\n\nChannel 1: Yep. Yep. So the table above that is the future projection that I was thinking I was looking at in the table below, essentially. So lump sum in five years, lump sum in ten years is showing the difference that you're suggest you, you know, you're projecting based on making the changes to the recommended fund.\n\nChannel 0: Correct.\n\nChannel 1: Oh, that's\n\nChannel 0: Correct.\n\nChannel 1: a good\n\nChannel 0: I\n\nChannel 1: one.\n\nChannel 0: might\n\nChannel 1: Yep.\n\nChannel 0: even\n\nChannel 1: Yep.\n\nChannel 0: update our template a little bit to make that a little bit more user friendly to show this is going forward. This is going backwards, but exactly right. That's our projection going forwards with all of the contributions, fees, returns, and everything mixed together. And then below that just says, hey. If we just pull your investments off to the side and look backwards over short, medium, long term, this is how they kind of stack up beside each other.\n\nChannel 1: Yeah. Yeah. Okay. No. That makes sense now.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. It's\n\nChannel 0: I\n\nChannel 1: clearly.\n\nChannel 0: think the main thing for you as well, like, when I was talking to Carl about your portfolio, is he wanted to get a bit of consistency into it so that it wasn't such like, yes, high growth has wild swings, but a bit more consistency so that if different sectors or different things, you're not having a year where you do very little\n\nChannel 1: Yeah.\n\nChannel 0: or very\n\nChannel 1: Yeah.\n\nChannel 0: large, that you're always hitting that average double digit return because\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: high\n\nChannel 1: Yeah.\n\nChannel 0: growth is basically like a benchmark of 10%. If\n\nChannel 1: Yeah.\n\nChannel 0: you can get ten, eleven, twelve, thirteen consistently, you're pretty well on track.\n\nChannel 1: Yeah. Yeah. No. That sounds good. I'm happy with that.\n\nChannel 0: Cool. So\n\nChannel 1: Mhmm.\n\nChannel 0: that's pretty much the super side of the advice. Everything else in this document just goes through updating your beneficiaries with Hub and MetLife. So I won't reexplain why you should have a beneficiary nomination\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: and say where things go. And, again, please sort out a will and a power of attorney if and when you can.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions for me so far?\n\nChannel 1: I I don't know if I just completely missed it, but did we talk about what my what the performance of my super has been since our last chat? Like, how has it changed?\n\nChannel 0: I have your account open in front of me. I\n\nChannel 1: Yeah.\n\nChannel 0: didn't specifically plug in when you last spoke with Kyle, though, because I can't don't don't actually\n\nChannel 1: I\n\nChannel 0: know\n\nChannel 1: mean,\n\nChannel 0: off\n\nChannel 1: it doesn't\n\nChannel 0: the top\n\nChannel 1: have\n\nChannel 0: of my\n\nChannel 1: to be\n\nChannel 0: head when\n\nChannel 1: specifically\n\nChannel 0: that was.\n\nChannel 1: that, but maybe just like\n\nChannel 0: Bit of an update.\n\nChannel 1: like, yeah, update in the last six to twelve months or something, what kind of changes we've seen.\n\nChannel 0: Yeah. So when we looked at the last review, it was pretty well flat at that point because some of those assets had just gone down, and it pretty well hit that zero point I think it's 35% that we've got in the in that table you saw above for\n\nChannel 1: Mhmm.\n\nChannel 0: the twelve months.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Since then, it's picked up another two or 3%, so it started going back up again.\n\nChannel 1: Yeah.\n\nChannel 0: And, realistically, everything has gone back into the positive except for that one sustainability option. Everything else has jumped up nine, seven, 14%, and just\n\nChannel 1: Yeah.\n\nChannel 0: that one sustainability option had gone down 5.5.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So what I'm kinda doing there is I I'm taking a twelve month performance snapshot. And then,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, as time\n\nChannel 1: Yes.\n\nChannel 0: moves on, it's taking that start and finish date, and it's sliding along with time as well. So I've just run that from today backwards compared\n\nChannel 1: Yeah.\n\nChannel 0: to the last time we ran the report.\n\nChannel 1: Yeah. Okay. Alrighty.\n\nChannel 0: To translate that into dollar value terms, which is probably a little bit easier to see, you had a bit of a drop down to 74,000, and it's jumped back up to 77,000\n\nChannel 1: Yeah.\n\nChannel 0: in two weeks, apparently, is we finally had a jump back up in the markets.\n\nChannel 1: Yeah. Yeah. Okay. Cool. Oh, well, Lisa's going back up.\n\nBut, yeah, I know that's jumped all over the place anyway. So sounds like these changes will hopefully set us on a bit of a better direction as well. Fingers crossed.\n\nChannel 0: Yeah. And I think the main, like, expectation I can give you as well is that when I said volatility increases, so higher highs and lower lows, basically, what we do is your contributions come in and they buy into all these options gradually. So because they're low fee ETFs, they will follow the market sectors that you're investing in up and down. We\n\nChannel 1: Yes.\n\nChannel 0: buy all these different sectors, shares, properties, and gold, and when the market goes back up, you should get a really strong double digit return on the way back up.\n\nChannel 1: Mhmm.\n\nChannel 0: And then we average that out and see how it looks because there's always a cycle. It grows for five years and crashes, grows for five years and crashes. We wanna\n\nChannel 1: Yeah.\n\nChannel 0: make sure that after every cycle, you're still getting that 10% benchmark\n\nChannel 1: Yes.\n\nChannel 0: until you're you've got a million dollars and you're 62, and we can focus on protecting it.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Sounds good.\n\nChannel 0: If at any point we have these future discussions about personal investments or your super and you wanna investigate different styles of investment, so, you know, how you went from, like, sustainability to mixing in a few other asset classes, we\n\nChannel 1: Mhmm.\n\nChannel 0: can change styles to\n\nChannel 1: Yep.\n\nChannel 0: suit the behavior that you're comfortable with.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Cool. So as long as you know what your soup is gonna do, basically, long and short of it is it's gonna shoot up and down all year. And then once\n\nChannel 1: Cool.\n\nChannel 0: there's some normalcy, it should start that upward trend again, and\n\nChannel 1: Mhmm.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: we will kind of review that and say, did it get what we expected?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Sounds good.\n\nChannel 0: Cool. The other things too towards the end of the document, we always reiterate, like, our fees coming up because I know you signed, like, an updated service agreement with us, but that\n\nChannel 1: Mhmm.\n\nChannel 0: same 1.65% is still factored in. That's still disclosed there just to make sure we're disclosing what we're charging throughout the year.\n\nChannel 1: Mhmm.\n\nChannel 0: Anytime with insurances, they always pay that 22% kind of ongoing commission to help manage the policies, whether it's MetLife, Tal, whoever it is. So\n\nChannel 1: Mhmm.\n\nChannel 0: my reminder there is if something happens, we're obviously not gonna be the first person that you call, but we do do claims assistance.\n\nChannel 1: Yep.\n\nChannel 0: So if you need a claim on your insurance,\n\nChannel 1: Mhmm.\n\nChannel 0: we help you through the claim. And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last.\n\nChannel 1: Yeah. Okay. Cool.\n\nChannel 0: So always bear that in mind, but if anything changes, we'll\n\nChannel 1: Sounds\n\nChannel 0: capture that in the future discussions. Would love for you to call in if something major happens in your life. But if not, when we review you, we'll talk\n\nChannel 1: good.\n\nChannel 0: through those as well.\n\nChannel 1: Yeah. Yep. Okay. Cool.\n\nChannel 0: Cool. Do you want me to set up a bit of a catch up or get the team to just give you a call in a couple of weeks to see how you and your partner are going with the the budgeting and everything? Because I'm thinking I might shoot that email through after this and give you a bit of time. And then\n\nChannel 1: Yeah.\n\nChannel 0: once you guys are ready, book in for, like, a proper consultation, if that's okay.\n\nChannel 1: Yeah. I think that works well. If you shoot through the email and then, like, pencil in for someone to follow-up with us in a couple of weeks, that's probably best. Give me a chance to, like, talk it through and think it through and everything. And then, yeah, we'll make a time after that would be good.\n\nChannel 0: Awesome. So if I look over the next fortnight or so, from the week of the twenty seventh, I'll get the team to give you a call.\n\nChannel 1: Yep.\n\nChannel 0: And after that point, I'm actually going on paternity leave in the first couple of weeks of June as well. So\n\nChannel 1: Yep.\n\nChannel 0: I would love to catch up with you guys early May and\n\nChannel 1: Yep.\n\nChannel 0: talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as well.\n\nChannel 1: Yeah. Okay. That sounds good. I think that timing will probably be fine.\n\nChannel 0: Awesome. Outside of that, we've got some steps to implement the advice. So it always starts with your consent. Once\n\nChannel 1: Yep.\n\nChannel 0: you're happy and signed the SOA that you've got, we can basically just hop on to Hub, and the team this week will switch your investments around. We will prefill in some beneficiary forms for you\n\nChannel 1: Yep.\n\nChannel 0: and help you through those. Have you gone through beneficiary forms before, like gotten them witnessed and so on?\n\nChannel 1: No. I haven't gone through that process before.\n\nChannel 0: So just to quickly cap things off is let's say we send you blank forms. You basically\n\nChannel 1: Yep.\n\nChannel 0: have to put in your details and your nominees details, let's say your partner. From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't\n\nChannel 1: Mhmm.\n\nChannel 0: the beneficiary.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full\n\nChannel 1: Yeah.\n\nChannel 0: name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in. Just whatever is easier for you.\n\nChannel 1: Yeah. I'm happy to just fill it in. It's happy to me. It's\n\nChannel 0: Yep.\n\nChannel 1: fine to send it blank. Yeah. All good.\n\nChannel 0: Easy done. So we'll send out one for Hub, one for MetLife with some instructions there. If you run any trouble, just call the team, and they can walk you through it. And\n\nChannel 1: Yep.\n\nChannel 0: they can pretty much do it two minutes on the phone.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Do you remember talking with Kyle about the type of nomination you were trying to put in place by any chance?\n\nChannel 1: I don't think so.\n\nChannel 0: So the super easy of it is you can choose whether your nomination is a non lapsing or a lapsing. So whether it expires after three years or if it just continues on until you change it.\n\nChannel 1: Mhmm.\n\nChannel 0: The other options, which are quite strange, but you can choose whether it's legally binding or not, I don't really see anybody doing a non legally binding nomination because it gives\n\nChannel 1: Yep.\n\nChannel 0: the trustee discretion. I\n\nChannel 1: Yep.\n\nChannel 0: don't know why you would let the Superfund choose, but you do have the option. So the standard we do is legally binding and non lapsing if you want it to be continuous.\n\nChannel 1: Yeah. And with the three year option, is that just then a case where there's some kind of, like, automatic reach out at the three or just prior to the three year mark to see what changes? Or, like, is that up to me to then re you know,\n\nChannel 0: Yeah.\n\nChannel 1: sign a new one?\n\nChannel 0: So there's a couple of ways we do it is when it comes to the super funds and the insurers, they're pretty terrible at sending out notifications for how your beneficiary is lapsing, but\n\nChannel 1: Yeah.\n\nChannel 0: we always incorporate it into our annual reviews. So as long as you're\n\nChannel 1: Yes.\n\nChannel 0: a client of Oakview, we will say, hey. Just checking your beneficiaries this year. Oh, it's gonna expire in April. Should we update that? We can have that reminder if you value that.\n\nChannel 1: Oh, well, I'm happy to just do the legal legally binding ongoing version.\n\nChannel 0: Cool. I'll put that on kind of the cover letter instructions for you, but just give you a bit of time to kind of think it through. And when you got the forms in front of you, if you wanna go one way or the other, there's really no wrong answer with it as long as you do keep on top of it. If you put\n\nChannel 1: Yep.\n\nChannel 0: in place one that doesn't change and then, god forbid, you guys separate and you don't update it, that's a problem. If\n\nChannel 1: Yep.\n\nChannel 0: you make it expire and you don't update it, then there's nothing. That's a problem. So as long as\n\nChannel 1: Yep.\n\nChannel 0: every few years you you check it, you should be okay.\n\nChannel 1: Yeah. Okay. And so is that just like a checkbox on the form itself once I receive it? Or do I have to\n\nChannel 0: Yeah. There's\n\nChannel 1: decide\n\nChannel 0: literally,\n\nChannel 1: now?\n\nChannel 0: like, a type of\n\nChannel 1: Yeah.\n\nChannel 0: nomination box, and\n\nChannel 1: Yeah.\n\nChannel 0: it's literally\n\nChannel 1: Okay.\n\nChannel 0: binding non lapsing or binding lapsing, and you could pick.\n\nChannel 1: Yeah. Okay. Cool. Thanks.\n\nChannel 0: Easy done. That was again, I've thrown a bit at you, but do you have any questions for me at this point?\n\nChannel 1: I don't think so. Yeah. No. I think that was the main things I wanted to cover, and I'm keen to have the next chat about getting a bit more structure in our finances and everything. So, yeah, keen to see the budget stuff you sent through and put my mind to that.\n\nBut,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, for now that's that's all good. It's all clear.\n\nChannel 0: Once it comes through, if you wanna email me back with any questions, again, the team will reach out in a couple of weeks' time. But if you wanna call in before then and have a quick chat, anything you need, that's fine. If\n\nChannel 1: Yeah.\n\nChannel 0: not, I'll make sure we've got everything together, and then hopefully, we can have a nice in-depth chat with your partner in the May. But anything\n\nChannel 1: Yep.\n\nChannel 0: in between that comes up, please just let me know.\n\nChannel 1: Yep. Okay. Perfect. Thank you.\n\nChannel 0: Awesome, Lauren. That's pretty much everything for me. Anything else I can help you with before I let you go?\n\nChannel 1: No. All good. Thank you.\n\nChannel 0: Thank you for your time, and I'll talk to you soon.\n\nChannel 1: Okay. Sounds good. Have a good hour.\n\nChannel 0: You too. Thank you so much.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.015983164310455322},{"text":"Lauren speaking.","start":0.88,"end":1.86,"sentiment":"neutral","sentiment_score":0.026006191968917847}],"sentiment":"neutral","sentiment_score":0.02266518274943034,"channel":1,"num_words":3,"start":0.39999998,"end":1.86},{"sentences":[{"text":"Good afternoon, Lauren.","start":2.48,"end":3.52,"sentiment":"neutral","sentiment_score":0.295440008242925},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.18700240126677922},{"text":"How are you doing today?","start":5.68,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22496841549873353}],"sentiment":"neutral","sentiment_score":0.22134526073932648,"channel":0,"num_words":15,"start":2.48,"end":6.8199997},{"sentences":[{"text":"I'm 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couple of weeks to see how you and your partner are going with the the budgeting and everything?","start":2456.37,"end":2465.59,"sentiment":"neutral","sentiment_score":0.27677973862304245},{"text":"Because I'm thinking I might shoot that email through after this and give you a bit of time.","start":2465.73,"end":2470.565,"sentiment":"neutral","sentiment_score":0.19634351424045032},{"text":"And then","start":2470.7852,"end":2471.185,"sentiment":"neutral","sentiment_score":0.1209765262901783}],"sentiment":"neutral","sentiment_score":0.2537528977263719,"channel":0,"num_words":64,"start":2455.49,"end":2471.185},{"sentences":[{"text":"Yeah.","start":2471.13,"end":2471.63,"sentiment":"neutral","sentiment_score":0.13334530591964722}],"sentiment":"neutral","sentiment_score":0.13334530591964722,"channel":1,"num_words":1,"start":2471.13,"end":2471.63},{"sentences":[{"text":"once you guys are ready, book in for, like, a proper consultation, if that's 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on paternity leave in the first couple of weeks of June as well.","start":2501.7751,"end":2508.74,"sentiment":"neutral","sentiment_score":0.1259786207228899},{"text":"So","start":2508.9602,"end":2509.4602,"sentiment":"neutral","sentiment_score":0.15711170434951782}],"sentiment":"neutral","sentiment_score":0.12746114851463408,"channel":0,"num_words":21,"start":2501.7751,"end":2509.4602},{"sentences":[{"text":"Yep.","start":2509.05,"end":2509.55,"sentiment":"neutral","sentiment_score":0.19407735764980316}],"sentiment":"neutral","sentiment_score":0.19407735764980316,"channel":1,"num_words":1,"start":2509.05,"end":2509.55},{"sentences":[{"text":"I would love to catch up with you guys early May and","start":2509.52,"end":2513.1401,"sentiment":"positive","sentiment_score":0.35096968213717145}],"sentiment":"positive","sentiment_score":0.35096968213717145,"channel":0,"num_words":12,"start":2509.52,"end":2513.1401},{"sentences":[{"text":"Yep.","start":2512.9702,"end":2513.4702,"sentiment":"neutral","sentiment_score":0.26356303691864014}],"sentiment":"neutral","sentiment_score":0.26356303691864014,"channel":1,"num_words":1,"start":2512.9702,"end":2513.4702},{"sentences":[{"text":"talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as 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got some steps to implement the advice.","start":2527.335,"end":2530.135,"sentiment":"neutral","sentiment_score":0.20949390124190936},{"text":"So it always starts with your consent.","start":2530.135,"end":2532.475,"sentiment":"neutral","sentiment_score":0.14718909135886601},{"text":"Once","start":2532.8901,"end":2533.21,"sentiment":"neutral","sentiment_score":0.14569586515426636}],"sentiment":"neutral","sentiment_score":0.197816002368927,"channel":0,"num_words":20,"start":2525.975,"end":2533.21},{"sentences":[{"text":"Yep.","start":2533.0798,"end":2533.5798,"sentiment":"neutral","sentiment_score":0.14518515765666962}],"sentiment":"neutral","sentiment_score":0.14518515765666962,"channel":1,"num_words":1,"start":2533.0798,"end":2533.5798},{"sentences":[{"text":"you're happy and signed the SOA that you've got, we can basically just hop on to Hub, and the team this week will switch your investments around.","start":2533.21,"end":2541.31,"sentiment":"neutral","sentiment_score":0.25716942024451717},{"text":"We will prefill in some beneficiary forms for you","start":2541.77,"end":2545.31,"sentiment":"neutral","sentiment_score":0.16872120979759428}],"sentiment":"neutral","sentiment_score":0.23505736763278642,"channel":0,"num_words":36,"start":2533.21,"end":2545.31},{"sentences":[{"text":"Yep.","start":2545.655,"end":2546.155,"sentiment":"neutral","sentiment_score":0.19376878440380096}],"sentiment":"neutral","sentiment_score":0.19376878440380096,"channel":1,"num_words":1,"start":2545.655,"end":2546.155},{"sentences":[{"text":"and help you through those.","start":2546.655,"end":2548.0151,"sentiment":"neutral","sentiment_score":0.20402409136295319},{"text":"Have you gone through beneficiary forms before, like gotten them witnessed and so on?","start":2548.0151,"end":2553.555,"sentiment":"neutral","sentiment_score":0.04080271654363189}],"sentiment":"neutral","sentiment_score":0.0837557099171375,"channel":0,"num_words":19,"start":2546.655,"end":2553.555},{"sentences":[{"text":"No.","start":2555.23,"end":2555.73,"sentiment":"neutral","sentiment_score":-0.02134454995393753},{"text":"I haven't gone through that process before.","start":2556.03,"end":2558.3699,"sentiment":"neutral","sentiment_score":-0.07154552478875432}],"sentiment":"neutral","sentiment_score":-0.06527040293440223,"channel":1,"num_words":8,"start":2555.23,"end":2558.3699},{"sentences":[{"text":"So just to quickly cap things off is let's say we send you blank forms.","start":2559.55,"end":2564.3699,"sentiment":"neutral","sentiment_score":0.009747619554400445},{"text":"You basically","start":2564.5898,"end":2565.3098,"sentiment":"neutral","sentiment_score":0.02395659126341343}],"sentiment":"neutral","sentiment_score":0.01141926328487256,"channel":0,"num_words":17,"start":2559.55,"end":2565.3098},{"sentences":[{"text":"Yep.","start":2564.99,"end":2565.285,"sentiment":"neutral","sentiment_score":0.02679811418056488}],"sentiment":"neutral","sentiment_score":0.02679811418056488,"channel":1,"num_words":1,"start":2564.99,"end":2565.285},{"sentences":[{"text":"have to put in your details and your nominees details, let's say your partner.","start":2565.3098,"end":2569.5698,"sentiment":"neutral","sentiment_score":0.02180067795727934},{"text":"From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't","start":2571.2751,"end":2579.195,"sentiment":"neutral","sentiment_score":0.018028803153096566}],"sentiment":"neutral","sentiment_score":0.019286094754490824,"channel":0,"num_words":42,"start":2565.3098,"end":2579.195},{"sentences":[{"text":"Mhmm.","start":2579.045,"end":2579.545,"sentiment":"neutral","sentiment_score":-0.003827669192105532}],"sentiment":"neutral","sentiment_score":-0.003827669192105532,"channel":1,"num_words":1,"start":2579.045,"end":2579.545},{"sentences":[{"text":"the beneficiary.","start":2579.195,"end":2579.855,"sentiment":"neutral","sentiment_score":-0.002288028597831726}],"sentiment":"neutral","sentiment_score":-0.002288028597831726,"channel":0,"num_words":2,"start":2579.195,"end":2579.855},{"sentences":[{"text":"Yeah.","start":2580.565,"end":2580.93,"sentiment":"neutral","sentiment_score":0.03257150202989578},{"text":"Okay.","start":2581.01,"end":2581.51,"sentiment":"neutral","sentiment_score":0.05167914927005768}],"sentiment":"neutral","sentiment_score":0.04212532564997673,"channel":1,"num_words":2,"start":2580.565,"end":2581.51},{"sentences":[{"text":"So we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full","start":2582.0752,"end":2590.5,"sentiment":"neutral","sentiment_score":0.050678132992723716}],"sentiment":"neutral","sentiment_score":0.050678132992723716,"channel":0,"num_words":23,"start":2582.0752,"end":2590.5},{"sentences":[{"text":"Yeah.","start":2590.29,"end":2590.79,"sentiment":"neutral","sentiment_score":0.04841495677828789}],"sentiment":"neutral","sentiment_score":0.04841495677828789,"channel":1,"num_words":1,"start":2590.29,"end":2590.79},{"sentences":[{"text":"name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in.","start":2590.5,"end":2595.38,"sentiment":"neutral","sentiment_score":0.020386307101164545},{"text":"Just whatever is easier for you.","start":2595.38,"end":2597.16,"sentiment":"neutral","sentiment_score":0.08688157051801682}],"sentiment":"neutral","sentiment_score":0.0351630323049095,"channel":0,"num_words":27,"start":2590.5,"end":2597.16},{"sentences":[{"text":"Yeah.","start":2597.985,"end":2598.3052,"sentiment":"neutral","sentiment_score":0.28982001543045044},{"text":"I'm happy to just fill it in.","start":2598.3052,"end":2599.745,"sentiment":"positive","sentiment_score":0.579968546118055},{"text":"It's happy to me.","start":2599.745,"end":2600.385,"sentiment":"positive","sentiment_score":0.6712183505296707},{"text":"It's","start":2600.385,"end":2600.5452,"sentiment":"positive","sentiment_score":0.39241549372673035}],"sentiment":"positive","sentiment_score":0.5712991333924807,"channel":1,"num_words":13,"start":2597.985,"end":2600.5452},{"sentences":[{"text":"Yep.","start":2600.435,"end":2600.935,"sentiment":"positive","sentiment_score":0.33366870880126953}],"sentiment":"positive","sentiment_score":0.33366870880126953,"channel":0,"num_words":1,"start":2600.435,"end":2600.935},{"sentences":[{"text":"fine to send it blank.","start":2600.5452,"end":2601.745,"sentiment":"neutral","sentiment_score":0.3017416536808014},{"text":"Yeah.","start":2601.745,"end":2602.145,"sentiment":"positive","sentiment_score":0.3989022970199585},{"text":"All good.","start":2602.145,"end":2602.885,"sentiment":"positive","sentiment_score":0.5595516562461853}],"sentiment":"positive","sentiment_score":0.378339234739542,"channel":1,"num_words":8,"start":2600.5452,"end":2602.885},{"sentences":[{"text":"Easy done.","start":2603.155,"end":2603.7952,"sentiment":"positive","sentiment_score":0.5908251404762268},{"text":"So we'll send out one for Hub, one for MetLife with some instructions there.","start":2603.7952,"end":2607.315,"sentiment":"neutral","sentiment_score":0.23824345214026316},{"text":"If you run any trouble, just call the team, and they can walk you through it.","start":2607.315,"end":2611.235,"sentiment":"neutral","sentiment_score":0.21030403953045607},{"text":"And","start":2611.235,"end":2611.555,"sentiment":"neutral","sentiment_score":0.20923325419425964}],"sentiment":"neutral","sentiment_score":0.24518656053326346,"channel":0,"num_words":33,"start":2603.155,"end":2611.555},{"sentences":[{"text":"Yep.","start":2611.42,"end":2611.92,"sentiment":"neutral","sentiment_score":0.16270260512828827}],"sentiment":"neutral","sentiment_score":0.16270260512828827,"channel":1,"num_words":1,"start":2611.42,"end":2611.92},{"sentences":[{"text":"they can pretty much do it two minutes on the 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but","start":2687.205,"end":2696.83,"sentiment":"neutral","sentiment_score":-0.07975258904180545}],"sentiment":"neutral","sentiment_score":-0.07975258904180545,"channel":0,"num_words":34,"start":2687.205,"end":2696.83},{"sentences":[{"text":"Yeah.","start":2696.5798,"end":2696.925,"sentiment":"neutral","sentiment_score":0.026382265612483025}],"sentiment":"neutral","sentiment_score":0.026382265612483025,"channel":1,"num_words":1,"start":2696.5798,"end":2696.925},{"sentences":[{"text":"we always incorporate it into our annual reviews.","start":2696.83,"end":2699.65,"sentiment":"neutral","sentiment_score":0.0923816291615367},{"text":"So as long as you're","start":2699.79,"end":2700.59,"sentiment":"neutral","sentiment_score":0.09024040549993514}],"sentiment":"neutral","sentiment_score":0.09155808159938225,"channel":0,"num_words":13,"start":2696.83,"end":2700.59},{"sentences":[{"text":"Yes.","start":2700.365,"end":2700.865,"sentiment":"neutral","sentiment_score":0.07661529630422592}],"sentiment":"neutral","sentiment_score":0.07661529630422592,"channel":1,"num_words":1,"start":2700.365,"end":2700.865},{"sentences":[{"text":"a client of Oakview, we will say, hey.","start":2700.59,"end":2702.85,"sentiment":"neutral","sentiment_score":0.10806255787611008},{"text":"Just checking your beneficiaries this year.","start":2702.945,"end":2704.865,"sentiment":"neutral","sentiment_score":0.10186750690142314},{"text":"Oh, it's gonna expire in April.","start":2704.865,"end":2706.705,"sentiment":"neutral","sentiment_score":0.058643545334537826},{"text":"Should we update 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problem.","start":2740.025,"end":2745.7249,"sentiment":"neutral","sentiment_score":-0.019453382385628566},{"text":"If","start":2746.2,"end":2746.3599,"sentiment":"neutral","sentiment_score":-0.051528193056583405}],"sentiment":"neutral","sentiment_score":-0.02091132832521742,"channel":0,"num_words":22,"start":2740.025,"end":2746.3599},{"sentences":[{"text":"Yep.","start":2746.22,"end":2746.72,"sentiment":"neutral","sentiment_score":-0.01655856892466545}],"sentiment":"neutral","sentiment_score":-0.01655856892466545,"channel":1,"num_words":1,"start":2746.22,"end":2746.72},{"sentences":[{"text":"you make it expire and you don't update it, then there's nothing.","start":2746.3599,"end":2750.3599,"sentiment":"neutral","sentiment_score":-0.04756703041493893},{"text":"That's a problem.","start":2750.3599,"end":2751.08,"sentiment":"neutral","sentiment_score":-0.05762762079636256},{"text":"So as long as","start":2751.08,"end":2751.8,"sentiment":"neutral","sentiment_score":0.17449503391981125}],"sentiment":"neutral","sentiment_score":-0.0024056364046899895,"channel":0,"num_words":19,"start":2746.3599,"end":2751.8},{"sentences":[{"text":"Yep.","start":2751.5798,"end":2752.0798,"sentiment":"neutral","sentiment_score":0.21896779537200928}],"sentiment":"neutral","sentiment_score":0.21896779537200928,"channel":1,"num_words":1,"start":2751.5798,"end":2752.0798},{"sentences":[{"text":"every few years you you check it, you should be okay.","start":2751.8,"end":2755.0999,"sentiment":"neutral","sentiment_score":0.20894090695814652}],"sentiment":"neutral","sentiment_score":0.20894090695814652,"channel":0,"num_words":11,"start":2751.8,"end":2755.0999},{"sentences":[{"text":"Yeah.","start":2756.2551,"end":2756.735,"sentiment":"neutral","sentiment_score":0.08596982806921005},{"text":"Okay.","start":2756.735,"end":2757.235,"sentiment":"neutral","sentiment_score":0.05905868858098984},{"text":"And so is that just like a checkbox on the form itself once I receive it?","start":2757.5352,"end":2763.075,"sentiment":"neutral","sentiment_score":0.04657817387487739},{"text":"Or do I have to","start":2763.135,"end":2764.2751,"sentiment":"neutral","sentiment_score":0.0019743535667657852}],"sentiment":"neutral","sentiment_score":0.03913700289052466,"channel":1,"num_words":23,"start":2756.2551,"end":2764.2751},{"sentences":[{"text":"Yeah.","start":2764.0552,"end":2764.455,"sentiment":"neutral","sentiment_score":0.02490532584488392},{"text":"There's","start":2764.455,"end":2764.7751,"sentiment":"neutral","sentiment_score":0.036348797380924225}],"sentiment":"neutral","sentiment_score":0.030627061612904072,"channel":0,"num_words":2,"start":2764.0552,"end":2764.7751},{"sentences":[{"text":"decide","start":2764.495,"end":2764.895,"sentiment":"neutral","sentiment_score":0.03936851769685745}],"sentiment":"neutral","sentiment_score":0.03936851769685745,"channel":1,"num_words":1,"start":2764.495,"end":2764.895},{"sentences":[{"text":"literally,","start":2764.7751,"end":2765.175,"sentiment":"neutral","sentiment_score":0.029570894315838817}],"sentiment":"neutral","sentiment_score":0.029570894315838817,"channel":0,"num_words":1,"start":2764.7751,"end":2765.175},{"sentences":[{"text":"now?","start":2764.895,"end":2765.395,"sentiment":"neutral","sentiment_score":0.04031087085604668}],"sentiment":"neutral","sentiment_score":0.04031087085604668,"channel":1,"num_words":1,"start":2764.895,"end":2765.395},{"sentences":[{"text":"like, a type of","start":2765.175,"end":2766.0552,"sentiment":"neutral","sentiment_score":0.041016945615410805}],"sentiment":"neutral","sentiment_score":0.041016945615410805,"channel":0,"num_words":4,"start":2765.175,"end":2766.0552},{"sentences":[{"text":"Yeah.","start":2765.935,"end":2766.435,"sentiment":"neutral","sentiment_score":0.04509352520108223}],"sentiment":"neutral","sentiment_score":0.04509352520108223,"channel":1,"num_words":1,"start":2765.935,"end":2766.435},{"sentences":[{"text":"nomination box, and","start":2766.0552,"end":2767.3352,"sentiment":"neutral","sentiment_score":0.06120634451508522}],"sentiment":"neutral","sentiment_score":0.06120634451508522,"channel":0,"num_words":3,"start":2766.0552,"end":2767.3352},{"sentences":[{"text":"Yeah.","start":2767.2952,"end":2767.7952,"sentiment":"neutral","sentiment_score":0.07609323412179947}],"sentiment":"neutral","sentiment_score":0.07609323412179947,"channel":1,"num_words":1,"start":2767.2952,"end":2767.7952},{"sentences":[{"text":"it's literally","start":2767.3352,"end":2767.995,"sentiment":"neutral","sentiment_score":0.05640316382050514}],"sentiment":"neutral","sentiment_score":0.05640316382050514,"channel":0,"num_words":2,"start":2767.3352,"end":2767.995},{"sentences":[{"text":"Okay.","start":2767.95,"end":2768.45,"sentiment":"neutral","sentiment_score":0.048797354102134705}],"sentiment":"neutral","sentiment_score":0.048797354102134705,"channel":1,"num_words":1,"start":2767.95,"end":2768.45},{"sentences":[{"text":"binding non lapsing or binding lapsing, and you could pick.","start":2768.2952,"end":2771.2751,"sentiment":"neutral","sentiment_score":0.046951991692185405}],"sentiment":"neutral","sentiment_score":0.046951991692185405,"channel":0,"num_words":10,"start":2768.2952,"end":2771.2751},{"sentences":[{"text":"Yeah.","start":2771.71,"end":2772.03,"sentiment":"neutral","sentiment_score":0.11908914893865584},{"text":"Okay.","start":2772.03,"end":2772.53,"sentiment":"neutral","sentiment_score":0.2244422733783722},{"text":"Cool.","start":2772.75,"end":2773.07,"sentiment":"positive","sentiment_score":0.4745725393295288},{"text":"Thanks.","start":2773.07,"end":2773.57,"sentiment":"positive","sentiment_score":0.5820349454879761}],"sentiment":"positive","sentiment_score":0.35003472678363323,"channel":1,"num_words":4,"start":2771.71,"end":2773.57},{"sentences":[{"text":"Easy done.","start":2774.19,"end":2775.01,"sentiment":"positive","sentiment_score":0.5863734781742096},{"text":"That was again, I've thrown a bit at you, but do you have any questions for me at this point?","start":2775.79,"end":2779.81,"sentiment":"neutral","sentiment_score":0.09105591177940368}],"sentiment":"neutral","sentiment_score":0.13608478145165878,"channel":0,"num_words":22,"start":2774.19,"end":2779.81},{"sentences":[{"text":"I don't think so.","start":2782.27,"end":2784.325,"sentiment":"neutral","sentiment_score":-0.18054625391960144},{"text":"Yeah.","start":2784.7048,"end":2785.025,"sentiment":"neutral","sentiment_score":-0.03567668795585632},{"text":"No.","start":2785.025,"end":2785.265,"sentiment":"neutral","sentiment_score":-0.1463111937046051},{"text":"I think that was the main things I wanted to cover, and I'm keen to have the next chat about getting a bit more structure in our finances and everything.","start":2785.265,"end":2796.2249,"sentiment":"neutral","sentiment_score":0.0647514658824851},{"text":"So, yeah, keen to see the budget stuff you sent through and put my mind to that.","start":2796.2249,"end":2801.68,"sentiment":"positive","sentiment_score":0.34737879037857056}],"sentiment":"neutral","sentiment_score":0.13101529274662993,"channel":1,"num_words":53,"start":2782.27,"end":2801.68},{"sentences":[{"text":"But,","start":2802.54,"end":2802.78,"sentiment":"positive","sentiment_score":0.336078941822052}],"sentiment":"positive","sentiment_score":0.336078941822052,"channel":1,"num_words":1,"start":2802.54,"end":2802.78},{"sentences":[{"text":"Absolutely.","start":2802.54,"end":2803.04,"sentiment":"positive","sentiment_score":0.5944156646728516}],"sentiment":"positive","sentiment_score":0.5944156646728516,"channel":0,"num_words":1,"start":2802.54,"end":2803.04},{"sentences":[{"text":"yeah, for now that's that's all good.","start":2802.78,"end":2804.78,"sentiment":"positive","sentiment_score":0.5630142390727997},{"text":"It's all clear.","start":2804.78,"end":2805.76,"sentiment":"positive","sentiment_score":0.4786507785320282}],"sentiment":"positive","sentiment_score":0.5377052009105683,"channel":1,"num_words":10,"start":2802.78,"end":2805.76},{"sentences":[{"text":"Once it comes through, if you wanna email me back with any questions, again, the team will reach out in a couple of weeks' time.","start":2806.3,"end":2812.875,"sentiment":"neutral","sentiment_score":0.23047231674194335},{"text":"But if you wanna call in before then and have a quick chat, anything you need, that's fine.","start":2812.875,"end":2817.5352,"sentiment":"neutral","sentiment_score":0.16317791719403532},{"text":"If","start":2817.675,"end":2817.915,"sentiment":"neutral","sentiment_score":0.016750715672969818}],"sentiment":"neutral","sentiment_score":0.19808548053895886,"channel":0,"num_words":44,"start":2806.3,"end":2817.915},{"sentences":[{"text":"Yeah.","start":2817.7551,"end":2818.2551,"sentiment":"neutral","sentiment_score":0.010412542149424551}],"sentiment":"neutral","sentiment_score":0.010412542149424551,"channel":1,"num_words":1,"start":2817.7551,"end":2818.2551},{"sentences":[{"text":"not, I'll make sure we've got everything together, and then hopefully, we can have a nice in-depth chat with your partner in the May.","start":2817.915,"end":2824.8801,"sentiment":"neutral","sentiment_score":0.11545650412638982},{"text":"But anything","start":2824.8801,"end":2825.52,"sentiment":"neutral","sentiment_score":0.09406895935535431}],"sentiment":"neutral","sentiment_score":0.1138113083747717,"channel":0,"num_words":26,"start":2817.915,"end":2825.52},{"sentences":[{"text":"Yep.","start":2825.195,"end":2825.58,"sentiment":"neutral","sentiment_score":0.04786146804690361}],"sentiment":"neutral","sentiment_score":0.04786146804690361,"channel":1,"num_words":1,"start":2825.195,"end":2825.58},{"sentences":[{"text":"in between that comes up, please just let me know.","start":2825.52,"end":2828.1,"sentiment":"neutral","sentiment_score":0.0696012668311596}],"sentiment":"neutral","sentiment_score":0.0696012668311596,"channel":0,"num_words":10,"start":2825.52,"end":2828.1},{"sentences":[{"text":"Yep.","start":2828.3,"end":2828.8,"sentiment":"neutral","sentiment_score":0.09263408184051514},{"text":"Okay.","start":2828.86,"end":2829.34,"sentiment":"neutral","sentiment_score":0.3009600341320038},{"text":"Perfect.","start":2829.34,"end":2829.82,"sentiment":"positive","sentiment_score":0.7297459840774536},{"text":"Thank you.","start":2829.82,"end":2830.6401,"sentiment":"positive","sentiment_score":0.7573699653148651}],"sentiment":"positive","sentiment_score":0.5276160061359405,"channel":1,"num_words":5,"start":2828.3,"end":2830.6401},{"sentences":[{"text":"Awesome, Lauren.","start":2831.4402,"end":2832.32,"sentiment":"positive","sentiment_score":0.8053238391876221},{"text":"That's pretty much everything for me.","start":2832.32,"end":2833.76,"sentiment":"positive","sentiment_score":0.7903785208861033},{"text":"Anything else I can help you with before I let you go?","start":2833.76,"end":2836.58,"sentiment":"positive","sentiment_score":0.41612711548805237}],"sentiment":"positive","sentiment_score":0.5673222094774246,"channel":0,"num_words":20,"start":2831.4402,"end":2836.58},{"sentences":[{"text":"No.","start":2836.9402,"end":2837.26,"sentiment":"neutral","sentiment_score":-0.02921988070011139},{"text":"All good.","start":2837.26,"end":2837.98,"sentiment":"positive","sentiment_score":0.3436413109302521},{"text":"Thank you.","start":2837.98,"end":2838.8,"sentiment":"positive","sentiment_score":0.5059758126735687}],"sentiment":"positive","sentiment_score":0.334002873301506,"channel":1,"num_words":5,"start":2836.9402,"end":2838.8},{"sentences":[{"text":"Thank you for your time, and I'll talk to you soon.","start":2839.515,"end":2842.2551,"sentiment":"positive","sentiment_score":0.6510278230363672}],"sentiment":"positive","sentiment_score":0.6510278230363672,"channel":0,"num_words":11,"start":2839.515,"end":2842.2551},{"sentences":[{"text":"Okay.","start":2842.471,"end":2842.951,"sentiment":"positive","sentiment_score":0.517500102519989},{"text":"Sounds good.","start":2842.951,"end":2843.5908,"sentiment":"positive","sentiment_score":0.7467561662197113},{"text":"Have a good hour.","start":2843.5908,"end":2844.571,"sentiment":"positive","sentiment_score":0.6602102220058441}],"sentiment":"positive","sentiment_score":0.6645504747118268,"channel":1,"num_words":7,"start":2842.471,"end":2844.571},{"sentences":[{"text":"You too.","start":2844.875,"end":2845.355,"sentiment":"positive","sentiment_score":0.4879758954048157},{"text":"Thank you so much.","start":2845.355,"end":2846.495,"sentiment":"positive","sentiment_score":0.7783147990703583}],"sentiment":"positive","sentiment_score":0.6815351645151774,"channel":0,"num_words":6,"start":2844.875,"end":2846.495},{"sentences":[{"text":"Bye.","start":2846.791,"end":2847.291,"sentiment":"positive","sentiment_score":0.41631388664245605}],"sentiment":"positive","sentiment_score":0.41631388664245605,"channel":1,"num_words":1,"start":2846.791,"end":2847.291},{"sentences":[{"text":"Bye.","start":2847.7551,"end":2848.2551,"sentiment":"neutral","sentiment_score":-0.09592264890670776}],"sentiment":"neutral","sentiment_score":-0.09592264890670776,"channel":0,"num_words":1,"start":2847.7551,"end":2848.2551}]},"summary":{"result":"success","short":"During a conversation between a senior adviser from Oakview and a customer named Lauren, the adviser emphasizes the importance of protecting beneficiaries and managing insurance beneficiaries to avoid unnecessary risk. They also discuss the use of savings and shares to reduce risk and maintain a strong risk profile. The speaker emphasizes the importance of reducing growth allocation and maintaining consistency in investment performance, and provides guidance on updating beneficiaries and updating personal information. They also discuss the process of updating beneficiaries and updating personal information, and offer assistance with claims and filling out forms. The conversation ends with plans for a catch-up call in a few weeks to discuss budgeting and see if there is anything they can do."},"intents":{"segments":[{"text":"So what I'd like you to do, if you could, please, is on that document itself, there's a number of attachments. There will be a, like, an appendix with some additional research and an updated financial services guide from Oakview just with all of our updated licensing information.","start_word":290,"end_word":337,"intents":[{"intent":"Provide guidance","confidence_score":0.00022385578}]},{"text":"make sure you're comfortable with all of the recommendations that Carl put together.","start_word":423,"end_word":435,"intents":[{"intent":"Recommend recommendations","confidence_score":0.0042889393}]},{"text":"So as long as you don't have those, we tend to just do a bit of a reminder to try and get that in place. Yeah.","start_word":757,"end_word":782,"intents":[{"intent":"Remind about changes and expectations","confidence_score":0.000008460539}]},{"text":"So one of the things to think about, and it's not even really a conversation for today, is that once your your child is born and everything's good, do you still want everything to be going, for example, straight to a partner or somebody directly, or do you wanna put some provisions in place so that the child is looked after?","start_word":1018,"end_word":1078,"intents":[{"intent":"Discuss child care and arrangement","confidence_score":0.000002255296}]},{"text":"It's definitely something I'd like to look at as, like, our next discussion, though. I think, like, with the baby coming and yeah. I don't know. Just trying to formalize our finances a bit more. I'd like to figure out what the steps next steps would be to kinda have that kind of a conversation. Perfect.","start_word":1366,"end_word":1421,"intents":[{"intent":"Inquire about next steps","confidence_score":0.0028100826}]},{"text":"It would be good to explore that a bit more because, I mean, we have both done a bit of investing in the past. Like, we both own some shares, so it's not like a completely unfamiliar area Oh, fantastic.","start_word":1600,"end_word":1639,"intents":[{"intent":"Explore financing options","confidence_score":0.0014393296}]},{"text":"It's probably more about I mean, and and, you know, tell me if this is something you guys can support with as well, but probably just more more specifically around looking at, I suppose, how we've got our finances structured, like, whether our current cash flow and budgeting is suiting, like, the goals that we do have and how we can kind of reach those goals most efficiently with the income that we're gonna have over the next few years.","start_word":1644,"end_word":1723,"intents":[{"intent":"Discuss investments and goals","confidence_score":0.017901134}]},{"text":"And are you considering taking off, like, a short or long span for, like, maternity leave and things like that as well?","start_word":1726,"end_word":1747,"intents":[{"intent":"Discuss maternity leave","confidence_score":0.12885761},{"intent":"Discuss maternity leave and other activities","confidence_score":0.001513637}]},{"text":"So with the savings and shares that we have listed at the moment, would you say that the main usage for all the savings is just to have that kind of emergency fund buffer or sitting in an offset account for the mortgage?","start_word":1982,"end_word":2024,"intents":[{"intent":"Discuss savings and investments","confidence_score":0.097232215},{"intent":"Coordinate savings and investments","confidence_score":0.006905309}]},{"text":"doing that with my my wife the last few years because we just bought, like, an investment property as well. And she's basically just like, you're a financial planner. Please sort it all out. But then she wants to make sure we've got some short term splurge money because we've got three kids and a third on the way.","start_word":2175,"end_word":2233,"intents":[{"intent":"Manage finances","confidence_score":0.0077286004}]},{"text":"I can definitely shoot you through a budget planner as well if you would like to go through that with your partner and bring that to the meeting. And Yep.","start_word":2791,"end_word":2820,"intents":[{"intent":"Involve partners in budget planning","confidence_score":0.00006428118}]},{"text":"So first things first is let's get a handle on the budget. And then once Yeah. that's handled, we may spend three to twelve months just seeing how that runs in practice, Yep. and then we start diving into investment discussions and tie that into your debt goals to make sure that you can actually meet both goals and they're not conflicting with each other. Yep. Yep.","start_word":2945,"end_word":3011,"intents":[{"intent":"Review budget plans","confidence_score":0.00017639386}]},{"text":"If there's ever, like, a significant change of, say, more than 20% or something, it may impact the advice. So I just wanted to double check with you. Yeah.","start_word":3496,"end_word":3524,"intents":[{"intent":"Clarify financial impact","confidence_score":0.00019092427}]},{"text":"So we have factored that into the projections because I know we're updating the portfolio for the super. We just wanna make sure that it's still tracking along pretty well. Yeah.","start_word":3672,"end_word":3702,"intents":[{"intent":"Analyze portfolio changes","confidence_score":0.021233732}]},{"text":"It's also like capital gains tax for your super by switching your investments around. So Okay.","start_word":4015,"end_word":4030,"intents":[{"intent":"Promote options","confidence_score":0.000012273445}]},{"text":"Now I won't go too too crazy into this, but the main thing is there's a reduction in your sustainable options, which is the top Mhmm. two.","start_word":4391,"end_word":4417,"intents":[{"intent":"Reducing sustainability options","confidence_score":0.066544645}]},{"text":"So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently. So 5% to that.","start_word":4503,"end_word":4546,"intents":[{"intent":"Adding gold to sustainability shares","confidence_score":0.26778013}]},{"text":"So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently. So 5% to that. And then a few things like the bottom there, the S and P 500. Mhmm.","start_word":4503,"end_word":4561,"intents":[{"intent":"Optimizing stock market","confidence_score":0.000047885496}]},{"text":"And a slight bump up to your the Aware shares there in the middle, which are a little bit more towards the ethical side, but they're not straight into mining companies, but they're also not purely into just green energy.","start_word":4613,"end_word":4652,"intents":[{"intent":"Adding green energy to portfolio","confidence_score":0.056910507}]},{"text":"But this really cool thing that Hub does is if you're buying or selling shares and ETFs and someone else is buying and selling them, instead of paying brokerage fees, they can just swap them between the people. Oh, yeah.","start_word":5063,"end_word":5102,"intents":[{"intent":"Offer etfs","confidence_score":0.0010488138},{"intent":"Explain benefits of leveraging etfs","confidence_score":0.00012267342}]},{"text":"What that basically does, we can't actually estimate the savings, but it's somewhere between zero and seventy percent of the brokerage fees get waived depending on who's trading what. Most of the people I've seen, it reduces it by at least 50%. Yep.","start_word":5105,"end_word":5147,"intents":[{"intent":"Explain benefits of sharing savings and discounts","confidence_score":0.00006562528},{"intent":"Explain cost reduction and calculation of fees","confidence_score":0.00012073838}]},{"text":"The main thing here too is most portfolio updates, you're pretty well likely that in any scenario to get that little bit of a performance difference that we're aiming for, pretty well, it's highly probable. The only difference with yours is that switching from ethical shares to to different assets means that if the green energy sector goes up and the mining sector goes down, you're gonna get a bit of a split between the two portfolios. Yeah.","start_word":5439,"end_word":5516,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.003471338}]},{"text":"It's obvious the difference between the current and recommended portfolio is at each different time interval except the ten years where the current portfolio is predicted at a higher growth at ten Yes.","start_word":5738,"end_word":5770,"intents":[{"intent":"Analyze portfolio differences","confidence_score":0.101379715}]},{"text":"Do you have any questions for me so far? I I don't know if I just completely missed it, but did we talk about what my what the performance of my super has been since our last chat? Like, how has it changed?","start_word":6322,"end_word":6364,"intents":[{"intent":"Update portfolio performance","confidence_score":0.08979111}]},{"text":"So when we looked at the last review, it was pretty well flat at that point because some of those assets had just gone down, and it pretty well hit that zero point I think it's 35% that we've got in the in that table you saw above for Mhmm. the twelve months.","start_word":6440,"end_word":6492,"intents":[{"intent":"Analyze asset performance","confidence_score":0.07669138}]},{"text":"If at any point we have these future discussions about personal investments or your super and you wanna investigate different styles of investment, so, you know, how you went from, like, sustainability to mixing in a few other asset classes, we Mhmm. can change styles to Yep. suit the behavior that you're comfortable with.","start_word":6862,"end_word":6915,"intents":[{"intent":"Discuss personal investments","confidence_score":0.046504904}]},{"text":"So as long as you know what your soup is gonna do, basically, long and short of it is it's gonna shoot up and down all year. And then once Cool. there's some normalcy, it should start that upward trend again, and Mhmm. then Yeah. we will kind of review that and say, did it get what we expected? Yeah.","start_word":6920,"end_word":6979,"intents":[{"intent":"Review trend","confidence_score":0.2206691}]},{"text":"The other things too towards the end of the document, we always reiterate, like, our fees coming up because I know you signed, like, an updated service agreement with us, but that Mhmm. same 1.65% is still factored in. That's still disclosed there just to make sure we're disclosing what we're charging throughout the year. Mhmm.","start_word":6986,"end_word":7041,"intents":[{"intent":"Reiterate fees","confidence_score":0.32937524}]},{"text":"my reminder there is if something happens, we're obviously not gonna be the first person that you call, but we do do claims assistance. Yep. So if you need a claim on your insurance, Mhmm. we help you through the claim. And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last. Yeah.","start_word":7068,"end_word":7140,"intents":[{"intent":"Conduct claims","confidence_score":0.0012130837}]},{"text":"So if you need a claim on your insurance, Mhmm. we help you through the claim. And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last. Yeah.","start_word":7093,"end_word":7140,"intents":[{"intent":"Assess claim effectiveness","confidence_score":0.000055734778}]},{"text":"Do you want me to set up a bit of a catch up or get the team to just give you a call in a couple of weeks to see how you and your partner are going with the the budgeting and everything? Because I'm thinking I might shoot that email through after this and give you a bit of time. And then Yeah.","start_word":7194,"end_word":7257,"intents":[{"intent":"Schedule meeting","confidence_score":0.116838284}]},{"text":"If you shoot through the email and then, like, pencil in for someone to follow-up with us in a couple of weeks, that's probably best. Give me a chance to, like, talk it through and think it through and everything. And then, yeah, we'll make a time after that would be good. Awesome.","start_word":7279,"end_word":7331,"intents":[{"intent":"Provide feedback","confidence_score":0.006212288}]},{"text":"I would love to catch up with you guys early May and Yep. talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as well.","start_word":7381,"end_word":7421,"intents":[{"intent":"Discuss investment planning","confidence_score":0.0039035908}]},{"text":"So just to quickly cap things off is let's say we send you blank forms. You basically Yep.","start_word":7520,"end_word":7537,"intents":[{"intent":"Send blank forms","confidence_score":0.48149857}]},{"text":"You basically Yep. have to put in your details and your nominees details, let's say your partner. From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't Mhmm. the beneficiary. Yeah.","start_word":7535,"end_word":7583,"intents":[{"intent":"Create templates","confidence_score":0.00014063038}]},{"text":"So we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full Yeah. name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in. Just whatever is easier for you. Yeah.","start_word":7585,"end_word":7636,"intents":[{"intent":"Provide instructions","confidence_score":0.090583995}]},{"text":"Do you remember talking with Kyle about the type of nomination you were trying to put in place by any chance?","start_word":7706,"end_word":7726,"intents":[{"intent":"Discuss nomination type","confidence_score":0.021014187}]},{"text":"The other options, which are quite strange, but you can choose whether it's legally binding or not, I don't really see anybody doing a non legally binding nomination because it gives Yep. the trustee discretion. I don't Yep. know why you would let the Superfund choose, but you do have the option. So the standard we do is legally binding and non lapsing if you want it to be continuous. Yeah.","start_word":7769,"end_word":7839,"intents":[{"intent":"Confirm terms","confidence_score":0.0020803278},{"intent":"Discuss legal binding options","confidence_score":0.005577522}]},{"text":"And with the three year option, is that just then a case where there's some kind of, like, automatic reach out at the three or just prior to the three year mark to see what changes?","start_word":7840,"end_word":7875,"intents":[{"intent":"Discuss three-year option","confidence_score":0.045180093},{"intent":"Reach out periodically","confidence_score":0.00059193576}]},{"text":"a client of Oakview, we will say, hey. Just checking your beneficiaries this year. Oh, it's gonna expire in April. Should we update that?","start_word":7942,"end_word":7965,"intents":[{"intent":"Update beneficiary information","confidence_score":0.033318732}]}]},"sentiments":{"segments":[{"text":"Hello? Lauren speaking. Good afternoon, Lauren. It's Tommy here, senior adviser from Oakview. How are you doing today? I'm good. How are you?","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.2166021764278412},{"text":"Fantastic. It is a beautiful, brilliant day on the Gold Coast.","start_word":23,"end_word":33,"sentiment":"positive","sentiment_score":0.7927757501602173},{"text":"What about your end? Oh, yeah.","start_word":34,"end_word":39,"sentiment":"neutral","sentiment_score":0.21898426115512848},{"text":"It's finally a bit cooler, which is nice here in Rizzi.","start_word":40,"end_word":50,"sentiment":"positive","sentiment_score":0.39586880803108215},{"text":"I know. Right? Don't have to run the air conditioners all the time. Was it yeah. I know. I know.","start_word":51,"end_word":70,"sentiment":"neutral","sentiment_score":0.0699223130941391},{"text":"It's a nice change.","start_word":71,"end_word":74,"sentiment":"positive","sentiment_score":0.5513162612915039},{"text":"I'm with you on that a 100%. I just had some updated advice documents to send through to you. I was wondering if Uh-huh. you still had a bit of time this afternoon. Yep. Yep. Still good.","start_word":75,"end_word":111,"sentiment":"neutral","sentiment_score":0.11212273687124252},{"text":"Perfect.","start_word":112,"end_word":112,"sentiment":"positive","sentiment_score":0.35614779591560364},{"text":"Just before I jump into it, usual security check. So I'm Yep. registered with Asik as adviser 1273105. Are you okay to confirm your date of birth and address, please? Yep. Twenty second of the fourth nineteen ninety one and seventeen Maitland Street, Salisbury.","start_word":113,"end_word":156,"sentiment":"neutral","sentiment_score":0.03657151013612747},{"text":"Perfect. Thank you so much for that.","start_word":157,"end_word":163,"sentiment":"positive","sentiment_score":0.48040327429771423},{"text":"And then are you okay for the call to be recorded? Yes. That's fine. Perfect. So I've got your advice document here. I was talking with Kyle who's currently unavailable at the moment. So I was gonna shoot that through to your Gmail account. Do you have access to that today? Yep. Yep. Ready Cool. to So receive. Easy done. I'm gonna shoot that through now. Now with our new system, first time you Okay. receive an email from our new system, it may go to your spam box, and it may go to your main inbox. And I have had two instances where it took about nine minutes. So Oh, I just just bought wanna it already.","start_word":164,"end_word":281,"sentiment":"neutral","sentiment_score":0.03959165886044502},{"text":"instant and perfect. That's great.","start_word":282,"end_word":286,"sentiment":"positive","sentiment_score":0.4791994094848633},{"text":"Yeah.","start_word":287,"end_word":287,"sentiment":"neutral","sentiment_score":0.25160273909568787},{"text":"Easy. Awesome.","start_word":288,"end_word":289,"sentiment":"positive","sentiment_score":0.3478595018386841},{"text":"So what I'd like you to do, if you could, please, is on that document itself, there's a number of attachments. There will be a, like, an appendix with some additional research and an updated financial services guide from Oakview just with all of our updated licensing information. But there should actually be a link to review the statement of advice itself, like a little hyperlink. Can you see that there, and can you access it? So I've gone to the signed Yep. And the first one that should pop up, document. it should have that sort of beachfront Gold Coast City logo on the front there. Yes. Yep. Got that. Yep.","start_word":290,"end_word":401,"sentiment":"neutral","sentiment_score":0.06264614047748703},{"text":"That's Perfect. the one I'm Perfect. Perfect. So that's what I wanted to run through with you today.","start_word":402,"end_word":419,"sentiment":"positive","sentiment_score":0.5779311656951904},{"text":"yep. Just Yep. make sure you're comfortable with all of the recommendations that Carl put together. I did Mhmm. actually review them this morning as well just to make sure they're all good, and I have just put my name on the document just because I'll be the adviser presenting them to you. Yeah. No worries. Perfect. So if you have a little scroll down about four pages, you should see the scope of advice heading, and it should say scope of advice considered in blue there. Can you see that? Yep. Got it.","start_word":420,"end_word":513,"sentiment":"neutral","sentiment_score":0.215266615152359},{"text":"Perfect.","start_word":514,"end_word":514,"sentiment":"positive","sentiment_score":0.3564414381980896},{"text":"So the main thing at the moment, from what I can gather as well is that we're doing some updated super advice, and it was mainly just around about updating your sustainable investments just to try and get them a little bit better and make things a little bit more ethical in your soup. Does that sound about right? Yeah. I mean, I think that's where we kinda started from when I first joined with Oakview. I don't I don't know if specifically a kind of focus on going even more ethical has happened since then, but, yeah, that's that's one of the things one of the kind of Mhmm. Specifications, I suppose, I had when I first joined with you guys. Yeah. And part of Carl's notes too and and that explanation was that you wanted to kind of explore just going a little bit more diversified with it. Because, obviously, if you go just into ethical, it tends to lean you into only a few different asset classes Yeah. and shares. Yeah. So just Yeah. kind of branching out. Does Yeah. that sound right? Yeah. Yeah. That is right. Yeah. Perfect. The only other thing that we've included as well was just adviser identified just to make sure that the beneficiary nominations were up to date for both the super and the MetLife, and just making sure that we've got, like, a will and a power of attorney in place. So as long as you don't have those, we tend to just do a bit of a reminder to try and get that in place. Yeah. That's definitely something I haven't done. No. That is totally fine. We Yeah. can help you So with so that's beneficiaries why we're not and there. and, look, it's one of those things where at our age, it it's kind of out of sight, out of mind. And then once you start building up more assets and family and things like that, it becomes a little bit more kind of to the forefront. But Yeah. it's, like, one of those things that if you do have that minute to even pop by the post office and get a $25 will kit, something's better than nothing. Yeah. Yeah. But at the very least, we just wanna make sure that your beneficiaries are going to the right spot as well. Yeah. Yeah. Yeah. Okay.","start_word":515,"end_word":914,"sentiment":"neutral","sentiment_score":0.108322763312608},{"text":"I've made a note of that. It is very timely.","start_word":915,"end_word":924,"sentiment":"positive","sentiment_score":0.44448527693748474},{"text":"Yeah. I'm pregnant as well. Oh, So I need to so it's a good time.","start_word":925,"end_word":939,"sentiment":"neutral","sentiment_score":0.25097280740737915},{"text":"Yeah. Thanks. But, yeah, congratulations. it is a really good time to be to get on top of that.","start_word":940,"end_word":958,"sentiment":"positive","sentiment_score":0.6360921263694763},{"text":"So Yeah. So one of the things that I can kind of just tell you straight away too is we deal a lot with people trying to look after minors. So depending on how much you have in, like, super life insurance, other assets, just making sure that people who are 18 are looked after as well. Yep. Okay. So one of the things to think about, and it's not even really a conversation for today, is that once your your child is born and everything's good, do you still want everything to be going, for example, straight to a partner or somebody directly, or do you wanna put some provisions in place so that the child is looked after? Because, obviously, everything would go to their guardian after you, Yeah. and they would essentially control the funds. So if Yep. there's Yep. any issues with that, then there's other steps and things you can put in place. Yeah. Okay.","start_word":959,"end_word":1118,"sentiment":"neutral","sentiment_score":0.0820368304848671},{"text":"Cool. Cool. Yep. So Sounds when we do good. those reviews with you, we'll touch on it, and we'll kind of update your estate plan as we go alongside your super plan.","start_word":1119,"end_word":1150,"sentiment":"positive","sentiment_score":0.39284199476242065},{"text":"Yep. Okay.","start_word":1151,"end_word":1152,"sentiment":"neutral","sentiment_score":0.2292666882276535},{"text":"Cool. Perfect.","start_word":1153,"end_word":1154,"sentiment":"positive","sentiment_score":0.5637590885162354},{"text":"The only other thing too was just on that next page, we have a limited consideration for insurance. Just making sure that, obviously, we keep the insurances in place and that we're factoring in the premiums to, like, the projections and things like that. Yeah. Okay. K? Can you see that on that next page? It should say scope of advice limited consideration, and the one after that is what's not been considered in this document. Yeah. Yeah. I'm just having a skim. So the main thing there when it comes to, I guess, cash flow advice is that you obviously had a little goal there to go to Japan Yeah. with your partner. We're obviously not giving you advice for that because that's something that you're able to sort of manage personally. Yeah. We're Yeah. really just focusing on updating the super at this point. Yeah. Yeah. That's right. Perfect. Debt management and investing. So, obviously, the mortgage, getting that paid down, and something Yep. to sort of come back to is personal investments. If at any point you and your partner would like to investigate investing personally, that's something that we can certainly help with, but we're not doing that today. Does that sound right? Yeah. That sounds right. It's definitely something I'd like to look at as, like, our next discussion, though. I think, like, with the baby coming and yeah. I don't know. Just trying to formalize our finances a bit more. I'd like to figure out what the steps next steps would be to kinda have that kind of a conversation.","start_word":1155,"end_word":1420,"sentiment":"neutral","sentiment_score":-0.03403136134147644},{"text":"Perfect.","start_word":1421,"end_word":1421,"sentiment":"positive","sentiment_score":0.3883092999458313},{"text":"And that's one of my most fun conversations because we do a little bit of what I call like a toe dip into investing, where if Mhmm. you and your partner would like to just start investing with, like, a small amount and and just don't do anything too risky, with your current super fund, they actually offer investment accounts too, and they can be linked up with your super account. You can have them on the one login, and they've got all the same investment options. Mhmm. Yeah. Okay. So Okay. we can That's kind a big of take one, an please. approach there. And once the the baby is born too, we can also do investing towards, you know, helping them for a house deposit when they're 18. So there's things like bonds that we can do. So you can hand them, like, here's a nice package when you're 18. It's all Yeah. tax paid, and you can have a deposit for a house or whatever your goal is with your partner. Yeah. Yeah. Yeah. Yeah. It would be good to explore that a bit more because, I mean, we have both done a bit of investing in the past. Like, we both own some shares, so it's not like a completely unfamiliar area Oh, fantastic.","start_word":1422,"end_word":1639,"sentiment":"neutral","sentiment_score":0.21474461257457733},{"text":"to us.","start_word":1640,"end_word":1641,"sentiment":"positive","sentiment_score":0.3723241686820984},{"text":"Yeah. Yeah. It's probably more about I mean, and and, you know, tell me if this is something you guys can support with as well, but probably just more more specifically around looking at, I suppose, how we've got our finances structured, like, whether our current cash flow and budgeting is suiting, like, the goals that we do have and how we can kind of reach those goals most efficiently with the income that we're gonna have over the next few years. Yeah. Absolutely. And are you considering taking off, like, a short or long span for, like, maternity leave and things like that as well? Yeah. It'll probably be a twelve month break with about six months paid. So that's definitely gonna factor into everything. Mhmm. Yeah. It'll kind of put a pause on a few things just for a period Yep. of time and then sort of dive back into it after that as well. Yep. Yep. Yep. Yeah. Yeah.","start_word":1642,"end_word":1803,"sentiment":"neutral","sentiment_score":0.1611363028670535},{"text":"Is that So that's certainly something something you we guys can do. yeah. Yeah. Go go go go go as well?","start_word":1804,"end_word":1824,"sentiment":"positive","sentiment_score":0.4827784597873688},{"text":"And that kind of sounds like something that we should possibly have as a bit of a joint discussion, or would you like to kind of just steer that ship and and have a discussion with myself or one of the advisers solo? No. I think What yeah. would Well, be having your preference?","start_word":1825,"end_word":1878,"sentiment":"neutral","sentiment_score":0.1991690993309021},{"text":"Matt involved would be good as well.","start_word":1879,"end_word":1885,"sentiment":"positive","sentiment_score":0.4526292681694031},{"text":"And, like, we we've briefly talked about it, but, like, if, you know, you and I figure out what what that next when that next conversation might be, then I can chat with Matt in advance, and we can kinda think through a little bit more what our goals actually are and and be a bit more ready for that convo.","start_word":1886,"end_word":1946,"sentiment":"neutral","sentiment_score":0.3219171464443207},{"text":"And, yeah, having him involved would definitely be best.","start_word":1947,"end_word":1955,"sentiment":"positive","sentiment_score":0.46169528365135193},{"text":"Yeah. And just to kind of tailor that a little bit, can I just ask you two quick questions with regards to your current finances? Yep. So with the savings and shares that we have listed at the moment, would you say that the main usage for all the savings is just to have that kind of emergency fund buffer or sitting in an offset account for the mortgage? What's the kind of main use for funds Well, it's kind of at both. Yeah. the Like, I guess, it it is used moment? as a buffer, and Yep. I I guess this is kind of the problem. It's probably multi use. It's all just sort of sitting in as one lump sum sum, and we use it towards holidays as well as, yeah, buffer for maintenance on the house and things like that. But it sits in the offset account so that it's also reducing our interest as it fits there. Yeah. But A we'd bit probably of everything. like to get, yeah, we'd probably like to get a bit more structured and have, you know, separate accounts for for, you know, saving towards holidays and things like that just so we sort of know know where where everything's going a bit more Yeah. specifically. I've been Yeah. doing that with my my wife the last few years because we just bought, like, an investment property as well. And she's basically just like, you're a financial planner. Please sort it all out. But then she wants to make sure we've got some short term splurge money because we've got three kids and a third on the way. We're gonna have Yeah. that holiday fund building up in the background, and then we've got to invest as well. So we actually went through with our bank and set up about four or five offset accounts, all offsetting the mortgage and had it all split into the different categories. I don't know if that might Yeah. be helpful. Yeah. Well, we actually have done the step of having some extra accounts set up, but it's just sort of the process of figuring out, like, how much should we be allocating to each each of those different buckets and, like, what's realistic and actually gonna also, you know, get us make us feel like we get the chance to do the things we wanna do, you know, without Yeah. Absolutely.","start_word":1956,"end_word":2362,"sentiment":"neutral","sentiment_score":0.11305934933977572},{"text":"setting back too much longer term.","start_word":2363,"end_word":2368,"sentiment":"negative","sentiment_score":-0.33573561906814575},{"text":"And so two quick things I've got on that too is, like, when it comes to splitting up buckets, regardless of your income level, I find it helpful to kind of get a percentage picture about Yeah. what the funds are going towards. So Yeah. I'll give you an example with mine. So we have about 60% of our incomes going towards expenses. Mhmm. We've got about 10%, which we put aside for, like, we call it splurging, 10% for the longer term fund that we don't wanna just spend it every week.","start_word":2369,"end_word":2461,"sentiment":"neutral","sentiment_score":0.15901008248329165},{"text":"We wanna build it up for a year and do the nice holiday.","start_word":2462,"end_word":2474,"sentiment":"positive","sentiment_score":0.5831414461135864},{"text":"And then Yep.","start_word":2475,"end_word":2477,"sentiment":"neutral","sentiment_score":0.31134891510009766},{"text":"20% goes towards filling up the savings.","start_word":2478,"end_word":2484,"sentiment":"positive","sentiment_score":0.3818728029727936},{"text":"And then once the savings filled, it goes into investing. So Yep. we kind Okay. of everything pulls into that. So even if I get bonuses or anything like that, pay rises and so on, it all gets split into those proportions. Yeah. Yeah. Gotcha. Yep. So I find just getting that picture about what Mhmm. categories are doing and and how much you're spending on each is kinda helpful because then you can see, look, are we overspending on the trivial things? Are our expenses too high? So, obviously, if your expenses are too high, your two options are either earn more or try and find ways to save on, you know, not having Disney plus and Netflix and and all those Yeah. things. Yeah. And so do you guys go through that process? I suppose, like so it sounds you know, having an idea of what the ideal percentages would be is obviously one element, but also reviewing what what the current percentages kind of are and where is all the spending going right now would be also another part of it. Is that something that you guys do, or would that be information that we would need to go away and, like, do our own kind of analysis on to bring to the meeting? A little bit of both. So the way we like to do it as well is we send through a bit of a budget planner if you don't already have one, and Mhmm. it just lets you input all of your different expenses and and cash flow items, and it'll convert it from weekly, fortnightly, monthly, quarterly, all that kind of thing. Yeah. And that just goes that one extra step of depth so that we can talk about what may need to be increased or decreased. So Yeah.","start_word":2485,"end_word":2790,"sentiment":"neutral","sentiment_score":0.0989838319471459},{"text":"I can definitely shoot you through a budget planner as well if you would like to go through that with your partner and bring that to the meeting.","start_word":2791,"end_word":2818,"sentiment":"positive","sentiment_score":0.38875454664230347},{"text":"And Yep. then it's really just about stepping through the goals because have you ever gone through our, like, Oakview financial services guide before? Maybe back when I first joined, but certainly not anytime recently. Yeah. So there's a really good little reminder in there. We call it an Oakview wealth cycle. And Yep. it's because everything with Oakview is tree analogies, it talks about setting in place your roots, building up that nice stable trunk over time, and then branching out into different things when the time is right. And it's Yeah. basically just an analogy of stepping through life stages. So depending on where you're sitting with your partner, we would gradually move you along those stages towards Yeah. the different areas as well. So first things first is let's get a handle on the budget. And then once Yeah. that's handled, we may spend three to twelve months just seeing how that runs in practice, Yep. and then we start diving into investment discussions and tie that into your debt goals to make sure that you can actually meet both goals and they're not conflicting with each other. Yep. Yep. So Yeah. one That of the makes things sense. I would do with your partner as well is just do a personal risk profile because Yep. you probably don't wanna invest your money that you may access in five, ten years personally the exact same way that you do for your super that's locked away for thirty years. Yeah. Yeah. Yeah. Yep. Does that kinda make sense? Yep. Cool. Yeah. So after this meeting, I will shoot you through a bit of a budget planner. Yep. We can set a bit of a catch up to go through the budget side of things after that and then maybe go through some or in that meeting, I would like to just revisit your goals and sort of Yes. see what's the priorities for the short term and Mhmm. how far we should space everything out. Yeah. Okay.","start_word":2819,"end_word":3157,"sentiment":"neutral","sentiment_score":0.09819950310617773},{"text":"That Cool. sounds So like yeah. That sounds good. awesome. Exactly.","start_word":3158,"end_word":3168,"sentiment":"positive","sentiment_score":0.4594826400279999},{"text":"I'll make a few notes on the file, send you through the budget planner. Just have a chat to your partner about the few things that I mentioned in the email, and then Yeah. we can we can go ahead and book a time, whether it's in a couple of weeks or three months or whenever it's appropriate for you both. Yeah. Okay. Cool. And I just wanted to double check. Is that all included in the, like, annual amount that I am currently paying, or is there extra charge for that service? Yeah. Great question. It's all included in the service fee that you already pay. Okay.","start_word":3169,"end_word":3276,"sentiment":"neutral","sentiment_score":0.11221757531166077},{"text":"Perfect. Thank you.","start_word":3277,"end_word":3279,"sentiment":"positive","sentiment_score":0.4424312710762024},{"text":"The only difference would be, let's say, we go ahead and I'll just give you an example. I had a couple a couple of weeks ago who put in, I think, $75,000 into an investment platform that they wanted us to manage. Obviously, there's a fee to do the advice to set that up and manage Yeah. that the same as the superannuation. But as Mhmm. far as those budget discussions, goal planning, that's all included. Yeah. Okay.","start_word":3280,"end_word":3357,"sentiment":"neutral","sentiment_score":0.002580668257835966},{"text":"Cool. Thank you. Awesome. Would love to do that with you guys.","start_word":3358,"end_word":3369,"sentiment":"positive","sentiment_score":0.6610174179077148},{"text":"I'm just gonna double check with you because it may have been a little bit of time. Do you can you see in that advice document on page eight, nine, and 10, it's got an about you section with your Mhmm. personal details and your assets and liabilities. Can you just double check that those are pretty close to the market? They haven't changed significantly. Yep. And we've got phone number and email is still the same. Still a consultant psychologist earning about a 108,000. We've Yeah. got the home, the savings, the shares, and the car. Yeah. Yep. Yep. Yep. Yep. That's alright. Perfect. That's We can't all always correct. capture the exact value on a certain day, but, obviously, things change every single day. If there's ever, like, a significant change of, say, more than 20% or something, it may impact the advice. So I just wanted to double check with you. Yeah. Sure. No. That's all roughly. Correct? Perfect. Perfect. If you go through past there, you'll see Mhmm. the current super with hub twenty four, and you do have those MetLife insurances for the life TBD and income protection. You do have pretty well a full suite of insurances that's covering Mhmm. Yeah. all of the debts. It's covering your income. It's pretty much as good as you can possibly get, probably Mhmm. top 5%. If that continues to increase because it is not too bad just based on your age. But once you get through forties and fifties, that can jump up very quickly. So as you Mhmm. pay down the debts, part of that discussion may be, do we reduce insurances down as you pay down your mortgage versus investing and building your assets up on the other side? Mhmm. Mhmm. Yeah. Okay. Yep. Makes sense. So we have factored that into the projections because I know we're updating the portfolio for the super. We just wanna make sure that it's still tracking along pretty well. Yeah. Okay. And you do still have trauma insurance as well, which you've paid out of pocket, and that's Mhmm. for your heart attack, stroke, and cancer. There's other conditions as well, but it's just those ones outside of, you know, death and disability, the main lump Yeah. sums. Yep. Yep. Okay.","start_word":3370,"end_word":3753,"sentiment":"neutral","sentiment_score":0.02943587297340855},{"text":"Perfect.","start_word":3754,"end_word":3754,"sentiment":"positive","sentiment_score":0.554580807685852},{"text":"Your risk profile on page twelve thirteen, we've still got you as a high growth. So, again, focused on high long term returns. Obviously, a bit of a roller coaster ride in between. I'm not sure if you've seen what's been happening the last couple of months. Oh, yeah. Yep. Yep. Yep. The ups and downs we're experiencing at the moment, double digit swings, 10% and above. And even in the span of two days, the funds could go up and down four or 5%. So it's Yeah. definitely we tend to use a lot of buzzwords in the industry like volatility and risk and things like that, but what I'm basically saying is that right now with everything going on, it's just higher highs and lower lows compared to what it was like last year, which was a bit more slow moving. Yeah. Yeah. K. So if you scroll down past Definitely. there, you should see on page 14 strategy recommendations. It is a bit of a wall of text, so I just wanna kind of summarize it for you. But if you can Mhmm. let me know when you can see that. Yep. I've got that in front of me. Cool. So there is an investment switch recommended here, which will be in a table below. But, basically, the main best interest duty here just talks about trying to leave you in a better position and Okay. trying to meet your goals. So things that we factored into this is not just insurance premiums, fees, and taxes. It's also like capital gains tax for your super by switching your investments around. So Okay. Okay. because Yeah. we've got control under the hood, we can actually see what that is, whereas most of the funds is just kind of hidden. So we have to make sure that we're careful with that when we're moving things around. Mhmm. Yeah. Okay. We have your retirement age still set currently for around about 65. Obviously, give or take, if you can go a little bit earlier, that's ideal. But Yeah. what we can't do is project out thirty one years and say you are definitely on track, factoring in all your life changes, Yeah. inflation, cost of living. Like, there's a bit too many variables. So we just start off with, like, a ten year projection just to try Yeah. and get you in a better position. Yeah. Makes sense. K. So if you scroll down past there, you'll see a table that lists, like, advantages and disadvantages. Mhmm.","start_word":3755,"end_word":4181,"sentiment":"neutral","sentiment_score":0.014829492746073692},{"text":"And, basically, the main thing is the investments Carl's picks is just trying to get you into some lower fee ETFs, reduce that investment fees a little bit, keep you in line with your risk profile, and just get you a little bit better on the performance side.","start_word":4182,"end_word":4229,"sentiment":"positive","sentiment_score":0.3405952751636505},{"text":"Yep. Yeah. Okay. Because of all of the fluctuations in your investments, the switches he was looking to recommend, he was able to offset any gains with some losses so that you don't pay any capital gains tax through your super. Okay. So the only real disadvantage is that we can't guarantee performance because the markets do what they do, And all the investments that we use, they're ETFs, so there's brokerage fees. You purchase Yeah. them up front. It's a little bit of an entry cost, but then they're lower fee ongoing, so we have to factor that in as well. Yeah. Okay. Yep. K? If you go through past that point, you will see an investments table on page 17. It will be like a blue table with a little bit of red text about what investments are being sold and Yep. some black text for what's being bought. Can you see that there? Yep. I got that. Yep. Now I won't go too too crazy into this, but the main thing is there's a reduction in your sustainable options, which is the top Mhmm. two. Mhmm. And they're basically being brought back to, like, a flat weighting. So if you see in the current weighting column, 30.29%. And then on the Yeah. right hand side, you'll see, like, a 15% flat. Yeah. Yeah. So what Carl and the team basically did is we punched all of those investment options in to get all the different assets, and we're just trying to bring it down a little bit so that you're not too heavy into one type of asset. Yeah. Okay. So reduce a little bit of your global and Australian sustainability shares, and the things that we were looking to add in was, for example, a little bit of gold because you don't currently have alternative assets like gold currently. So 5% to that. And then a few things like the bottom there, the S and P 500. Mhmm. Yeah. Okay. That's just your standard top 500 companies in The US. And, again, the S and P 500, probably, like, the best performing index in the world at the moment over the long Yes. Yep. Okay. Yep. term. K. That So was there's okay. a few little things there. Mhmm. And a slight bump up to your the Aware shares there in the middle, which are a little bit more towards the ethical side, but they're not straight into mining companies, but they're also not purely into just green energy. They're a little bit Yep. of a hybrid mix, if you will. Mhmm. Mhmm. Yep. K? So if you go down past there, you will see the asset allocation pie chart after that. Your risk profile being high growth, you have a range between 90 to a 100% being in growth assets, which is like shares, property, and gold. You're currently sitting about 93 with the recommended changes. It's sitting at about just under 95.","start_word":4230,"end_word":4727,"sentiment":"neutral","sentiment_score":0.06599695166670175},{"text":"It's pretty much smack bang in the middle of that risk profile.","start_word":4728,"end_word":4739,"sentiment":"negative","sentiment_score":-0.42201003432273865},{"text":"Yep. Yeah. Okay. K?","start_word":4740,"end_word":4743,"sentiment":"neutral","sentiment_score":0.09660714119672777},{"text":"So very little in the way of, like, safe, low fee investments, but, obviously, the whole point there is get higher long term returns, build up your funds.","start_word":4744,"end_word":4771,"sentiment":"positive","sentiment_score":0.34076690673828125},{"text":"And then Yep. when you're approaching retirement, you probably don't wanna be high growth at 64 and Mhmm. lose half your super, so we have to protect it gradually as you get closer. Yeah. Yep. Makes sense. So how we basically do that is once you hit that last ten years, we're probably gonna start reducing your growth allocation from ninety percent eighty, seventy, sixty, fifty, 40, and Mhmm. Yep. there's your safe pension account to live off. Yeah. Okay. Makes sense. Makes sense? Yep.","start_word":4772,"end_word":4856,"sentiment":"neutral","sentiment_score":0.05352918803691864},{"text":"Perfect.","start_word":4857,"end_word":4857,"sentiment":"positive","sentiment_score":0.5176138877868652},{"text":"There's a bit of a fee comparison on the next page. So, basically, with the same platform in Hub 24, there's no difference in the cost of the account, but it reduces the investment fees by about a $137, which is around about a third off on the investment percentage fee. Mhmm. Okay. And K? then you mentioned, obviously, also there's an initial brokerage fees for the change. Is that Yeah. included in this fee comparison, or is that more So like ongoing? It would be 1.7 lakh per year. that's more ongoing because those investment Yep. fees talk about, they call it the MER, which is a percentage investment fee before Oh, you get yeah. your performance, before you get Mhmm. your your returns. And then the Mhmm. returns that you get in your account are after fees. They're the net Yeah. returns. Yeah. Sure. K? The only thing there would be the brokerages, I think, 0.11% for Hub. They do something called aggregated trading. Has anyone mentioned that to you before in your last review with Kyle? No. It's gonna remind me. It's probably the last sort of technical thing I'm gonna throw at you because I don't wanna bombard you with jargon.","start_word":4858,"end_word":5062,"sentiment":"neutral","sentiment_score":0.07693742408258158},{"text":"But this really cool thing that Hub does is if you're buying or selling shares and ETFs and someone else is buying and selling them, instead of paying brokerage fees, they can just swap them between the people.","start_word":5063,"end_word":5100,"sentiment":"positive","sentiment_score":0.45406898856163025},{"text":"Oh, yeah. Okay. Mhmm. What that basically does, we can't actually estimate the savings, but it's somewhere between zero and seventy percent of the brokerage fees get waived depending on who's trading what. Most of the people I've seen, it reduces it by at least 50%. Yep. Yep. Okay. So it's just a cool Well, little this depends feature they do. on the on the day or in the moment of when you're actually making the change. Yes. Exactly. Right. So if I do it today, it can be the last week. It will depend on what proportion gets aggregated. Yep. Okay. Yeah. A similar thing is how I mentioned before the fee linking. So let's say we did have an investment account one day, it would average out between your super and the investment, and it would push you along the tiered admin fee a little bit quicker. So Hub will reduce your percentage admin fee when you go above 250,000, and it drops very quickly from, I think, 0.36% to, like, 0.12. It drops in, like, a third. So once you've got pension accounts, super accounts, investment accounts, even with your partner potentially, you can link all of them together, and you could even have six to eight accounts linked together and then just reduce the fees across the whole lot. Yeah. Yep. Okay. Makes sense. So this is just based on your balance at the moment. If that comes Yeah. into it, we do have calculators that can show us that as well. Yes. Okay. No worries.","start_word":5101,"end_word":5360,"sentiment":"neutral","sentiment_score":0.18566544353961945},{"text":"Cool.","start_word":5361,"end_word":5361,"sentiment":"positive","sentiment_score":0.3701099753379822},{"text":"Performance wise, we did a bit of an estimate going backwards five years just to show you a bit of a five year rolling average at the bottom of that table. 9.66% versus 11.18. Again, that's just going backwards, so don't really know exactly what's gonna happen with the market this year and next year, but just showing Yeah. that in the same scenarios, the performance difference. Mhmm. Yeah. Yeah. Okay.","start_word":5362,"end_word":5432,"sentiment":"neutral","sentiment_score":0.012891484083424151},{"text":"Cool.","start_word":5433,"end_word":5433,"sentiment":"positive","sentiment_score":0.3502654433250427},{"text":"Finger's Sure. correct. Fingers crossed.","start_word":5434,"end_word":5438,"sentiment":"neutral","sentiment_score":0.29956406354904175},{"text":"The main thing here too is most portfolio updates, you're pretty well likely that in any scenario to get that little bit of a performance difference that we're aiming for, pretty well, it's highly probable.","start_word":5439,"end_word":5473,"sentiment":"positive","sentiment_score":0.39082831144332886},{"text":"The only difference with yours is that switching from ethical shares to to different assets means that if the green energy sector goes up and the mining sector goes down, you're gonna get a bit of a split between the two portfolios. Yeah. Yeah. Yeah. So it just makes it slightly less certain, if that makes sense. Yeah. It does make sense, But it's like I don't know. Everything's so volatile at the moment. I don't feel I don't know. But I don't know enough to predict anything anyway. But, yeah, I'm fine with that. Yep. Yeah. Approve And the the main debit. thing that we Sorry. do, there's a little bit of an estimate on the next page that has a bit of a five to ten year projection just to try and get you in a better position. But Mhmm. I guess the main the main expectation that I can give you is all of these picks are supposed to average out better over a long period of time. So Yeah. Okay.","start_word":5474,"end_word":5647,"sentiment":"neutral","sentiment_score":-0.013357081450521946},{"text":"over ten, twenty, thirty years, it's to get you in a better position.","start_word":5648,"end_word":5660,"sentiment":"positive","sentiment_score":0.3394879400730133},{"text":"Regardless of what happens in three or six months, if the averages are better taking into account Yeah. all of the cycles that have already happened, and I'm talking Yeah. global financial crisis, COVID, this current situation. If it averages out better every single time, then you've got a much better chance of getting a better outcome. Yeah. I'm curious about the say, annualized investment returns as of 02/28/2026. So Yes. I think it's obvious. Yeah. It's obvious the difference between the current and recommended portfolio is at each different time interval except the ten years where the current portfolio is predicted at a higher growth at ten Yes. years?","start_word":5661,"end_word":5770,"sentiment":"neutral","sentiment_score":0.07659824708138},{"text":"Great What's spot. the Great spot.","start_word":5771,"end_word":5776,"sentiment":"positive","sentiment_score":0.37475553154945374},{"text":"what's So when the reason we were going behind back through it? it, basically, if we think ten years back from now, that's 2016. From 2016 to 2021, the sustainable sector had a huge search, Mhmm. Right. and Oh, all okay. of those So this companies is this is looking back. Sorry. I was thinking this was, like, your projections. I was confused. Yeah. So K. this Well, is looking it's based backwards. on previous. So, Yeah. Okay. basically, what we're trying to do is make sure that going forward, it's looking better. So the the weird trick that we have to play is looking backwards, trying to get better performance like for like in the same scenarios, but at the same time, then factor in what may happen going forward as well. Yeah. Yeah. And Yep. Though I love all of those types of companies, they had such a massive surge in those five years that everyone started selling them off gradually in the last five to six years or so. We still wanna keep you in them, of course, but they haven't been, I guess, projected to do as well as, like, your gold and your other assets over the next ten years. Yep. Yep. So the table above that is the future projection that I was thinking I was looking at in the table below, essentially. So lump sum in five years, lump sum in ten years is showing the difference that you're suggest you, you know, you're projecting based on making the changes to the recommended fund. Correct. Oh, that's Correct.","start_word":5777,"end_word":6041,"sentiment":"neutral","sentiment_score":0.04677201434969902},{"text":"a good I one.","start_word":6042,"end_word":6045,"sentiment":"positive","sentiment_score":0.4006393551826477},{"text":"might Yep. even Yep. update our template a little bit to make that a little bit more user friendly to show this is going forward. This is going backwards, but exactly right. That's our projection going forwards with all of the contributions, fees, returns, and everything mixed together. And then below that just says, hey. If we just pull your investments off to the side and look backwards over short, medium, long term, this is how they kind of stack up beside each other. Yeah. Yeah. Okay. No. That makes sense now.","start_word":6046,"end_word":6137,"sentiment":"neutral","sentiment_score":0.1318252574166526},{"text":"Cool.","start_word":6138,"end_word":6138,"sentiment":"positive","sentiment_score":0.4255461096763611},{"text":"Yeah. It's I clearly. think the main thing for you as well, like, when I was talking to Carl about your portfolio, is he wanted to get a bit of consistency into it so that it wasn't such like, yes, high growth has wild swings, but a bit more consistency so that if different sectors or different things, you're not having a year where you do very little Yeah. or very Yeah. large, that you're always hitting that average double digit return because Yeah. Yeah. high Yeah. growth is basically like a benchmark of 10%. If Yeah.","start_word":6139,"end_word":6235,"sentiment":"neutral","sentiment_score":0.12424205243587494},{"text":"you can get ten, eleven, twelve, thirteen consistently, you're pretty well on track.","start_word":6236,"end_word":6248,"sentiment":"positive","sentiment_score":0.3911788761615753},{"text":"Yeah. Yeah. No.","start_word":6249,"end_word":6251,"sentiment":"neutral","sentiment_score":0.2716614902019501},{"text":"That sounds good. I'm happy with that. Cool.","start_word":6252,"end_word":6259,"sentiment":"positive","sentiment_score":0.6394233703613281},{"text":"So Mhmm. that's pretty much the super side of the advice. Everything else in this document just goes through updating your beneficiaries with Hub and MetLife. So I won't reexplain why you should have a beneficiary nomination Mhmm. Okay. and say where things go. And, again, please sort out a will and a power of attorney if and when you can. Yeah. Do you have any questions for me so far? I I don't know if I just completely missed it, but did we talk about what my what the performance of my super has been since our last chat? Like, how has it changed? I have your account open in front of me. I Yeah. didn't specifically plug in when you last spoke with Kyle, though, because I can't don't don't actually I know mean, off it doesn't the top have of my to be head when specifically that was. that, but maybe just like Bit of an update. like, yeah, update in the last six to twelve months or something, what kind of changes we've seen. Yeah. So when we looked at the last review, it was pretty well flat at that point because some of those assets had just gone down, and it pretty well hit that zero point I think it's 35% that we've got in the in that table you saw above for Mhmm. the twelve months. Mhmm. Yep. Since then, it's picked up another two or 3%, so it started going back up again. Yeah.","start_word":6260,"end_word":6510,"sentiment":"neutral","sentiment_score":0.030495213812209696},{"text":"And, realistically, everything has gone back into the positive except for that one sustainability option.","start_word":6511,"end_word":6525,"sentiment":"positive","sentiment_score":0.3606566786766052},{"text":"Everything else has jumped up nine, seven, 14%, and just Yeah. that one sustainability option had gone down 5.5. Yeah. Yeah. Okay. So what I'm kinda doing there is I I'm taking a twelve month performance snapshot. And then, Mhmm. obviously, as time Yes. moves on, it's taking that start and finish date, and it's sliding along with time as well. So I've just run that from today backwards compared Yeah. to the last time we ran the report. Yeah. Okay. Alrighty. To translate that into dollar value terms, which is probably a little bit easier to see, you had a bit of a drop down to 74,000, and it's jumped back up to 77,000 Yeah. in two weeks, apparently, is we finally had a jump back up in the markets. Yeah. Yeah. Okay. Cool. Oh, well, Lisa's going back up. But, yeah, I know that's jumped all over the place anyway.","start_word":6526,"end_word":6677,"sentiment":"neutral","sentiment_score":0.06895767152309418},{"text":"So sounds like these changes will hopefully set us on a bit of a better direction as well.","start_word":6678,"end_word":6695,"sentiment":"positive","sentiment_score":0.3977106213569641},{"text":"Fingers crossed. Yeah. And I think the main, like, expectation I can give you as well is that when I said volatility increases, so higher highs and lower lows, basically, what we do is your contributions come in and they buy into all these options gradually. So because they're low fee ETFs, they will follow the market sectors that you're investing in up and down. We Yes.","start_word":6696,"end_word":6762,"sentiment":"neutral","sentiment_score":0.249995619058609},{"text":"buy all these different sectors, shares, properties, and gold, and when the market goes back up, you should get a really strong double digit return on the way back up.","start_word":6763,"end_word":6792,"sentiment":"positive","sentiment_score":0.491466224193573},{"text":"Mhmm. And then we average that out and see how it looks because there's always a cycle. It grows for five years and crashes, grows for five years and crashes. We wanna Yeah. make sure that after every cycle, you're still getting that 10% benchmark Yes. until you're you've got a million dollars and you're 62, and we can focus on protecting it. Yeah. Yep. Yep. Yep.","start_word":6793,"end_word":6859,"sentiment":"neutral","sentiment_score":0.04599771948892679},{"text":"Sounds good.","start_word":6860,"end_word":6861,"sentiment":"positive","sentiment_score":0.44857949018478394},{"text":"If at any point we have these future discussions about personal investments or your super and you wanna investigate different styles of investment, so, you know, how you went from, like, sustainability to mixing in a few other asset classes, we Mhmm. can change styles to Yep. suit the behavior that you're comfortable with. Yep. Yep. Okay. Cool. So as long as you know what your soup is gonna do, basically, long and short of it is it's gonna shoot up and down all year. And then once Cool. there's some normalcy, it should start that upward trend again, and Mhmm. then Yeah. we will kind of review that and say, did it get what we expected? Yeah. Yeah. Yeah. Yeah.","start_word":6862,"end_word":6982,"sentiment":"neutral","sentiment_score":0.02134162373840809},{"text":"Sounds good.","start_word":6983,"end_word":6984,"sentiment":"positive","sentiment_score":0.4014515280723572},{"text":"Cool. The other things too towards the end of the document, we always reiterate, like, our fees coming up because I know you signed, like, an updated service agreement with us, but that Mhmm. same 1.65% is still factored in. That's still disclosed there just to make sure we're disclosing what we're charging throughout the year. Mhmm. Anytime with insurances, they always pay that 22% kind of ongoing commission to help manage the policies, whether it's MetLife, Tal, whoever it is. So Mhmm. my reminder there is if something happens, we're obviously not gonna be the first person that you call, but we do do claims assistance. Yep. So if you need a claim on your insurance, Mhmm. we help you through the claim. And if, lo and behold, something very serious happens and you get a million dollars, we do claims advice on what to do with the million dollars to make it last. Yeah. Okay. Cool. So always bear that in mind, but if anything changes, we'll Sounds capture that in the future discussions.","start_word":6985,"end_word":7160,"sentiment":"neutral","sentiment_score":0.02435015923004936},{"text":"Would love for you to call in if something major happens in your life. But if not, when we review you, we'll talk good.","start_word":7161,"end_word":7184,"sentiment":"positive","sentiment_score":0.34593096375465393},{"text":"through those as well. Yeah. Yep.","start_word":7185,"end_word":7190,"sentiment":"neutral","sentiment_score":0.2214275449514389},{"text":"Okay. Cool. Cool.","start_word":7191,"end_word":7193,"sentiment":"positive","sentiment_score":0.5372002124786377},{"text":"Do you want me to set up a bit of a catch up or get the team to just give you a call in a couple of weeks to see how you and your partner are going with the the budgeting and everything? Because I'm thinking I might shoot that email through after this and give you a bit of time. And then Yeah. once you guys are ready, book in for, like, a proper consultation, if that's okay. Yeah.","start_word":7194,"end_word":7273,"sentiment":"neutral","sentiment_score":0.233485609292984},{"text":"I think that works well.","start_word":7274,"end_word":7278,"sentiment":"positive","sentiment_score":0.4513374269008637},{"text":"If you shoot through the email and then, like, pencil in for someone to follow-up with us in a couple of weeks, that's probably best.","start_word":7279,"end_word":7303,"sentiment":"neutral","sentiment_score":0.3317035734653473},{"text":"Give me a chance to, like, talk it through and think it through and everything.","start_word":7304,"end_word":7318,"sentiment":"positive","sentiment_score":0.3540554642677307},{"text":"And then, yeah, we'll make a time after that would be good.","start_word":7319,"end_word":7330,"sentiment":"neutral","sentiment_score":0.31842055916786194},{"text":"Awesome.","start_word":7331,"end_word":7331,"sentiment":"positive","sentiment_score":0.561053991317749},{"text":"So if I look over the next fortnight or so, from the week of the twenty seventh, I'll get the team to give you a call. Yep. And after that point, I'm actually going on paternity leave in the first couple of weeks of June as well. So Yep.","start_word":7332,"end_word":7380,"sentiment":"neutral","sentiment_score":0.19227972626686096},{"text":"I would love to catch up with you guys early May and Yep.","start_word":7381,"end_word":7393,"sentiment":"positive","sentiment_score":0.3334883451461792},{"text":"talk about the budgeting investing and just sort of see if there's anything we can do now or if we can kind of build towards something as well. Yeah. Okay.","start_word":7394,"end_word":7423,"sentiment":"neutral","sentiment_score":0.23826195299625397},{"text":"That sounds good. I think that timing will probably be fine. Awesome.","start_word":7424,"end_word":7435,"sentiment":"positive","sentiment_score":0.3842214047908783},{"text":"Outside of that, we've got some steps to implement the advice. So it always starts with your consent. Once Yep. you're happy and signed the SOA that you've got, we can basically just hop on to Hub, and the team this week will switch your investments around. We will prefill in some beneficiary forms for you Yep. and help you through those. Have you gone through beneficiary forms before, like gotten them witnessed and so on? No. I haven't gone through that process before. So just to quickly cap things off is let's say we send you blank forms. You basically Yep. have to put in your details and your nominees details, let's say your partner. From that point, you've got to make sure that because it's a legal document that you sign it and you get two people to witness it who aren't Mhmm. the beneficiary. Yeah. Okay. So we'll give you a cover letter with some instructions there, but I can take down if you like your partner's, like, full Yeah. name, date of birth, and prefill it on the forms for you unless you're more than comfortable to fill it in. Just whatever is easier for you. Yeah.","start_word":7436,"end_word":7636,"sentiment":"neutral","sentiment_score":0.08337912745588455},{"text":"I'm happy to just fill it in. It's happy to me. It's Yep.","start_word":7637,"end_word":7649,"sentiment":"positive","sentiment_score":0.5394887328147888},{"text":"fine to send it blank.","start_word":7650,"end_word":7654,"sentiment":"neutral","sentiment_score":0.3024410903453827},{"text":"Yeah. All good. Easy done.","start_word":7655,"end_word":7659,"sentiment":"positive","sentiment_score":0.5222644209861755},{"text":"So we'll send out one for Hub, one for MetLife with some instructions there. If you run any trouble, just call the team, and they can walk you through it. And Yep. they can pretty much do it two minutes on the phone. Yep. Okay. Cool. Do you remember talking with Kyle about the type of nomination you were trying to put in place by any chance? I don't think so. So the super easy of it is you can choose whether your nomination is a non lapsing or a lapsing. So whether it expires after three years or if it just continues on until you change it. Mhmm. The other options, which are quite strange, but you can choose whether it's legally binding or not, I don't really see anybody doing a non legally binding nomination because it gives Yep. the trustee discretion. I don't Yep. know why you would let the Superfund choose, but you do have the option. So the standard we do is legally binding and non lapsing if you want it to be continuous. Yeah. And with the three year option, is that just then a case where there's some kind of, like, automatic reach out at the three or just prior to the three year mark to see what changes? Or, like, is that up to me to then re you know, Yeah. sign a new one? So there's a couple of ways we do it is when it comes to the super funds and the insurers, they're pretty terrible at sending out notifications for how your beneficiary is lapsing, but Yeah. we always incorporate it into our annual reviews. So as long as you're Yes. a client of Oakview, we will say, hey. Just checking your beneficiaries this year. Oh, it's gonna expire in April. Should we update that? We can have that reminder if you value that.","start_word":7660,"end_word":7974,"sentiment":"neutral","sentiment_score":0.03981538462851729},{"text":"Oh, well, I'm happy to just do the legal legally binding ongoing version. Cool. I'll put that on kind of the cover letter instructions for you, but just give you a bit of time to kind of think it through.","start_word":7975,"end_word":8014,"sentiment":"positive","sentiment_score":0.49230241775512695},{"text":"And when you got the forms in front of you, if you wanna go one way or the other, there's really no wrong answer with it as long as you do keep on top of it. If you put Yep. in place one that doesn't change and then, god forbid, you guys separate and you don't update it, that's a problem. If Yep. you make it expire and you don't update it, then there's nothing. That's a problem. So as long as Yep. every few years you you check it, you should be okay. Yeah. Okay. And so is that just like a checkbox on the form itself once I receive it? Or do I have to Yeah. There's decide literally, now? like, a type of Yeah. nomination box, and Yeah. it's literally Okay. binding non lapsing or binding lapsing, and you could pick. Yeah. Okay.","start_word":8015,"end_word":8160,"sentiment":"neutral","sentiment_score":0.09433981031179428},{"text":"Cool. Thanks. Easy done.","start_word":8161,"end_word":8164,"sentiment":"positive","sentiment_score":0.5494171977043152},{"text":"That was again, I've thrown a bit at you, but do you have any questions for me at this point? I don't think so. Yeah. No. I think that was the main things I wanted to cover, and I'm keen to have the next chat about getting a bit more structure in our finances and everything.","start_word":8165,"end_word":8220,"sentiment":"neutral","sentiment_score":0.05106491595506668},{"text":"So, yeah, keen to see the budget stuff you sent through and put my mind to that. Absolutely. But, yeah, for now that's that's all good. It's all clear.","start_word":8221,"end_word":8249,"sentiment":"positive","sentiment_score":0.4443931877613067},{"text":"Once it comes through, if you wanna email me back with any questions, again, the team will reach out in a couple of weeks' time. But if you wanna call in before then and have a quick chat, anything you need, that's fine. If Yeah. not, I'll make sure we've got everything together, and then hopefully, we can have a nice in-depth chat with your partner in the May. But anything Yep. in between that comes up, please just let me know. Yep. Okay.","start_word":8250,"end_word":8333,"sentiment":"neutral","sentiment_score":0.1491110473871231},{"text":"Perfect. Thank you. Awesome, Lauren. That's pretty much everything for me. Anything else I can help you with before I let you go?","start_word":8334,"end_word":8356,"sentiment":"positive","sentiment_score":0.628693699836731},{"text":"No.","start_word":8357,"end_word":8357,"sentiment":"neutral","sentiment_score":-0.02921988070011139},{"text":"All good. Thank you. Thank you for your time, and I'll talk to you soon. Okay. Sounds good. Have a good hour. You too. Thank you so much. Bye.","start_word":8358,"end_word":8386,"sentiment":"positive","sentiment_score":0.6053640246391296},{"text":"Bye.","start_word":8387,"end_word":8387,"sentiment":"neutral","sentiment_score":0.26131629943847656}],"average":{"sentiment":"neutral","sentiment_score":0.11610496214755128}}}}