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Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. And that's one yeah. 1Slash9? Yep. No. We have updated that on our records already, so thank you for confirming both of them. Now before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or whether it's just a bit of a catch up and see kind of what happened in the last twelve months or so? Just yeah. Perfect. So what I will do first, Cody, is just to run through a bit of the updated pipeline with you just to see if there's anything major that has changed in your life, if we do need to make any changes to your advice. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as in our de facto relationship with no financial dependents. Is that still the case? Yep. Perfect. And next up, Keen, I have Brooke nominated. That's still the case as well? Yes. Perfect. Now who would you like to change this to? K. Perfect. And best phone number? Yep. Yep. Yep. Perfect. Otherwise, that's good memory. Yeah. Perfect. And and relationship to yourself, is that your partner? Yep. Perfect. I'll update that. Otherwise, when it comes to employment, has any of that changed or still working as a operation manager? Perfect. Per week? Yes. Perfect. Per week after that. Are you still doing the same kind of role aside from you are now obviously contracted, or are you doing, like, a different occupation altogether? Yep. Yes. Yep. Alright. Perfect. Well, that will keep you at least very varied. It won't be boring for you. And so with the the contract with them as well, do any of them pay you contributions, or is it just completely self employed and then it's up to you to actually make contributions yourself? Okay. Okay. Okay. Because I can have a quick look otherwise in your account. Do you know how often typically they will make contribution otherwise? Every week? Okay. Perfect. Yeah. Okay. No. That's okay. Because, yeah, I'm having a look at your account at the moment. I can't see anything. Okay. The last thing I can see is from the distillery company on the February 3, and that was 2,902. Yep. Okay. Great. Perfect. So overall, even though it is obviously changing a little bit income wise per week, you will still like, if you do the 11 to 1,200 per week after tax, that pretax amount, you would still get the standard 12% contribution in total. It's just from different places. Is that correct? Yeah. Okay. Perfect. I have here as well savings per week about 400 where possible. Is that still kind of where things are at? Right. Yeah. No. That's alright. Yeah. No. That's all good. Otherwise, asset wise, I have here motor vehicle right at about 60,000 with about 40 owing. It just says motor vehicle. Okay. Perfect. But the new one is also still kind of valued at about 60? Yeah. Yeah. Okay. Perfect. And I also have jewelry of about 20,000. Yep. Perfect. Do you have any other new assets otherwise? Motorbikes or boats or anything else? No. Perfect. And any liabilities, like personal loans, credit cards, ZipPay? That's perfect. Now health and lifestyle wise, I have you here just as a social smoker, mainly just when you're drinking. Is that still kind of the case as well? Yes. I know. Yeah. No. Yeah. Yeah. No. Perfect. And otherwise, health wise, how's your lower back pains and everything going? Still the same? Okay. Yeah. And you're still seeing a specialist? Okay. Arthritis. Yep. And are you still kind of regular thing, like, a specialist or a doctor or physio? Right? Mhmm. Yep. Yeah. And it's manageable in a way. Like, you obviously can work and stuff. Obviously, it's not pleasant, but but you can work. Okay. Otherwise, any changes to your health otherwise? No. No. That's that's good. And do you have private health insurance? Yep. No. That's fair enough. And with your income, you should be under the threshold anyway. If it is that your income does increase quite a bit, I've just been mindful as well of if you don't have hospital coverage, you might be eligible to pay for the additional medical levy surcharge. So, obviously, additional tax if you don't have private health insurance, but the way things are at the moment, you should be all good. But, yeah, if if your income does increase, it's worth considering. Obviously, you have to then weigh up the cost of your private health versus how much the medical levy would be and then, obviously, make a decision. Yep. Yep. Yes. No. I feel you. Yeah. Yep. Yep. Yep. I'm super sure most people feel very much the same, and the only reason why obviously, some people do depending on which level who you're with and the level of cover you have, but a lot of people I speak to, it is the same. And the for majority of people, the only reason they have it is to not pay additional tax. Just for your reference, if in a single threshold, if your income for this financial year exceeds a 101,000, you will have to if your income is under a 101,000, you don't have to pay any additional tax. If it's over a $101,101,000, you have to pay 1%. Over 118 is 1.25, and then a 150 8,000 and more is 1.5. So if it does get through that point, like, if you do go above a 101,000, sometimes it's worth just doing the math because I know some clients, especially as your income gets higher, paying for private health insurance is cheaper than the additional tax they pay. So, yes, you might not see them, the value in it. But if it means you pay less tax, it's something to consider. But the way things are right now, you should be under it. But, yes, just just be mindful. Okay. Great. Perfect. Yeah. Yep. Yeah. Yes. Yes. Yes. Oh, yeah. No. I know. For sure. And and yeah. That's it. And and you also don't have to worry because sometimes it's like if you just borderline or if you're in that first percentage, yes, you may have to pay a little bit more tax, but it could be cheaper than what you're actually paying for private health anyway. So just something to consider if you do exceed 101,000. If you're ever unsure and your income does increase, you can always just call me, and I can just kind of run it through with you as well. But, yeah, just something in the future to be mindful of if your income does increase. Yep. Perfect. And, otherwise, when it comes to estate planning, I don't actually have a nomination on your super account. So in the event that something were to happen to you, someone that you would like to nominate. Now do you have someone in mind that you would like to give that to? Yep. Okay. Perfect. Now because she is your spouse, if anything were to happen, it will be tax free to her. Now because it is making a legal nomination, It is a form I will have to send to you. You would have to get a witness and website, send it back to me, and then I can get that uploaded and sorted for you. It is important when you have a moment just so there's if there's ever a conflict or other people trying to make a claim for anything, we obviously wanna make sure that's not the case. Yep. Yep. Yeah. Yeah. That's good. Yeah. Okay. Yeah. Yep. Okay. Perfect. Because sometimes we change the issues with previous partners and stuff like that as well. So always good to have in place if something were to happen, but it's good that there's not really anyone that would do that. No. All good. Yeah. No. That that's very good. And now, Cody, do you have access to a printer, or do you prefer these forms to be posted to you just because they have to be web signed? Okay. Perfect. So if you don't mind, I will get then the team to email you those forms. That way, you do have it in your inbox as well. When you have a moment, obviously, print it out, complete it, send it back, and we will get that sorted for you. Yep. Perfect. Otherwise, I guess, when it come comes to goals, stuff that you are working towards, you obviously have a bit going on work wise. But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment? Yes. Yeah. And is it still con yep. No. You get you you go. Yep. Yep. Perfect. And I have here as well, I guess, more medium to long term. The goal is to buy a property. Is that still kind of something that you are wanting to do down the track? Yep. Okay. Yep. More more long term. Yes. No. That's all good. Perfect. And when it comes to superannuation as well, we currently have you invested in a growth portfolio sorry, in a high growth portfolio. And I know last time, we kind of went through a couple of questions to see how your risks and and everything was, how you felt about everything. Has any of that changed for you, or are you still kind of comfortable with the same level of risk and position for your superannuation? Yep. No. The last, yeah. The last twelve months have been, obviously, a bit up and down, which which you obviously can expect throughout time as well. Obviously, these last twelve months, there's been quite a bit. Obviously, you had everything in The US happening and then the war and stuff like that. So we obviously have seen fluctuations. But with our high growth portfolio, for your age where things are at, I would say high growth is a good position as long as you are comfortable with it. Because if we are looking at because you're you're super positioned from a long term position. Now throughout time as well, you will have ups and downs and market fluctuations in the short term. So at the same time, while the prices and everything is down a little bit, if you are selling out now, you are then also selling when some of it is down. Yes. You can also buy when it's down, but a lot of the investments are positioned, obviously, more from a long term position. And in a high growth portfolio as well, we do typically say eight years until retirement and a minimum to make sure you have enough time because during those eight years, you will have potentially one or two years where it might be down, and then the rest will be a lot better. So it's not what we're seeing unusual in the market as a whole if we're looking historically and stuff, especially in a high growth portfolio. So I wouldn't be too concerned if I were you where you are at the moment given your age. But at the same time, it's also what you're comfortable with. Because if you did see your like, your super drop a little bit in the short term, obviously, and that would kind of freak you up quite a bit, then we might wanna look at making changes. But if you're comfortable okay. Perfect. Yes. Okay. Yeah. Perfect. Well, yeah, otherwise, it is most clients that we do see in in your position as well. So in your age, we do see in a high growth at least. So you are definitely well positioned from that. I'm kind of talking about your portfolio and stuff like that as well. Do you have access to your emails at the moment or not really right now if you're a bit busy? So I have send you ultimately, it's up to you. I have send you an email with some documents to go through. Most people are happy to get that up on the phone and at it because afterwards, it's still saved to your folder if you do wanna go and have a look at it. But if you feel like you would like to access it on a computer or something later, I can always just run through the document. And then when you have a bit more time later, you can also access this. And if you don't have any questions, you can let me know. So it is up to you. Yep. Sorry. Before so we have recently changed the the software, so it might look a little bit different to the last annual review. But, essentially, in the email, before you click on the link where it says sign now, at the bottom of the email, can you see a couple of attachments? Yep. Perfect. Now I won't get you because they're a bit larger files that are open on the mobile, but the the first two or the bottom two where it says OTP services guide and OTP financial services guide. Can you see those? Yep. So the, yeah, so they're a little bit larger files. We have gone through this before. It is one of those compliance documents. It's basically everything that you need to know about us. So all the important information is in there. The team director of advisers, it's very similar to what we went through last year. We've had a bit of change to marketing. So if if you do go and have a look at it, you will see we've had some updated photos and marketing, which is good, and also a bit of an extension to the team. But, otherwise, I'll get you to have a read of those because none of the important information has changed. Now you also have a super summary report. Can you open that for me if it works? Yep. So you yes. Correct. So at the moment, you obviously have your superannuation in Hub 24, and you do have about $42,832 in there. And you don't have any insurances at the moment. Are you still obviously comfortable without insurances? Yeah. Perfect. Now the other one is your twelve month HAP 24 IRR, if you can see that one. Now it might be a little bit small on the phone for you. Yep. Let me know if that works for you. Yep. So it might look a little bit messy, but it gives you a portfolio performance report over the last twelve months. Now we've already touched on it already, but, obviously, the market in the last twelve months has been very up and down, and your portfolio is positioned for the long term. But in the good in a positive way, though, that this despite, obviously, a lot of things have been quite down at the moment and a lot of fluctuation, in the last twelve months, after fees, your portfolio is still up. So it's definitely not down. Now it's up about 4.52%. So, obviously, we would like to see that increase, but in kind of looking at the portfolio this year, the the key theme is that your your position is growing, and it is working as intended. Now when we do look at the individual investments, a lot of the the bigger growth is coming from your core global and thematic exposures. But you can see that, for example, The US exposure through the S and P 500 have kind of stood out to us again and delivered a good solid double digit growth, which is good. And we've also seen pretty good performance from some of the other factors and the alternative exposures like your Rafi Australian strategy. Gold have also done really well, and that's kind of helped build the portfolio. Now at the same time, there are few areas that kind of have lagged a little bit, and some of these are your cyclical and emerging markets, which is not out of the norm because they are kind of positioned as well in different segments throughout the high growth portfolio. So at different points in time, depending on what is going on in the market, there's obviously some that's going to grow a little bit more and some that's not and kind of negating each other. But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed. So we've got a lot of research at the moment and the investment committee as well on one of the investments in your portfolio, which is your Benelung Australian equity. So I'm not sure if you're too familiar with that investment, but that is one of your managed funds. And the purpose to find that is to actively buy and sell different investments in order to try to outperform the market. And more recently, they have underperformed a little bit, and they have a little bit been a little bit slower with making decisions. So we've done a lot of research on it, and it is one that we would like to change. So if you are happy to do so, we have done obviously, a lot of comparisons because if we're swapping one Australian equity component, we obviously wanna replace it with another Australian investment to still give you that diversification. But we're trying to look for something that's potentially a little bit cheaper, but also kind of improve those returns for you moving forward by still giving you diversification. So we have found another one, which is the BetaShares two hundred Australia. It's a bit cheaper than your Benelon because it doesn't have the same active component, but also kind of a bit more steady. So you don't have the same kind of volatility as the Venelon investment and have performed a little bit better. But it still gives you exposures to the 200 largest companies listed in Australia. So it still gives you really good diversification. So if you are happy with that, I will draw up a record of advice for you to just outline that we will go ahead and make the change just swapping your BIN along for the a 200 if that is something that you are happy with. Yes. Okay. Perfect. Now you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done. And the good thing as well, because the Benelon is down a little bit, there won't be any capital gains tax with making the change, which is good. Yeah. Perfect. So just kind of keep a lookout for that email. Now it might be sometime next week that it comes through. But, yeah, just just keep a lookout for that to come through, and we will get that sorted for you. Any other questions so far? That's pretty straightforward. Mhmm. Mhmm. Yes. Yes. Yes. Yep. Yes. Yes. Yep. And it definitely like, the gold and silver have been doing really well. If it is something that you want, we can do some more research on it and see how we can fit it into your portfolio. The only thing to be mindful of is because we obviously have have you in a high growth portfolio, which does mean that we have about 90% allocated to your growth investments for that long term position. The silver would more be classified towards your defensive investments, which is kind of like you touched on there a little bit more stable. And in a high growth portfolio, we have about 10% allocated to defensive investments. We already have gold and fixed interest as part of your portfolio. So if we swap out something for silver for you, it will mean we can try to change some of your defensive investment because you're already in a high growth. You don't have too many defenses. So what it might mean is they will then potentially take some some of your growth investments and put it more into defensive, which might not align with your risk profile as much. So it it's up to you if it is something because at the same time with the silver, as good as it has been, you're also things are quite high at the moment, so then you're also buying in while it's do you know? So Not on top of my head. I don't. Let's see if I can find it. Is it also the pants on The gold. Yes. Exactly. Yeah. Yeah. I'll because I'll have to have a look at Inhub '24, which ones they have available for you. Now I know that they do have silver because we have that sometimes in some of the older client portfolio as well that has a bit more defensive. So we have both gold and silver. And you have gold at the moment, but it is exactly like you said. It is not obviously physical gold. It's through, obviously, the exchange where it's held. So I know it's definitely available within Hub 24. So if it is something that you want added to your portfolio, I can go and do some research and see if we can swap something else out or readjust the percentage. To still tryna keep you yeah. So still tryna keep you in a high growth. Now with that, obviously, if we are selling some investments, there will be potential capital gains tax with it as well. But I can go and do the research for you and see if we can incorporate it into your portfolio, but also what that's going to look like in terms of fees, returns, and stuff like that as an overall position. So I can most definitely have a look at that. Now it will take me about a week or so to put everything together. So when is a best time for you to kind of run through that research? Alright. Let me have a look at me. Okay. Perfect. Let me see. Next week is pretty full, but I do have one slot on Thursday, the seventh, at 11AM. Would that work? Yeah? Okay. Perfect. So I'll book you in on Thursday, May 7, at 11AM to have a look at the silver. And then also, because I'm re digging potentially the portfolio, I'll just incorporate the Bennelong switch into that same document so that you can you can see that if we do need to make changes. Because I don't wanna make a straight a straight swap for Bedlam to 8 to a 100. If it is, then we have to take a little bit from that investment to make sure we can then add the silver. So I'll just incorporate all of that into the same one. Would you like a reminder text that's two hours before the appointment in case anything comes up for you? Yep. Perfect. So that is all booked in for you. I'm more than happy to do that research and see if we can incorporate that into your portfolio even if it's just a little bit. Have a bit of a look at it. Otherwise, the last part of the annual review is when you do have a moment or if you're happy to do so now, when you click on the document where it says sign now, it will ask you to sign through documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at that 1.65 from super. No changes whatsoever in regards to that. And after usual, there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract or exit fees. But for the time being, this lets us keep your account active and manage and make all those changes for you. And then the last one is there should be a tax file number for myself. It's just a compliant document just to say that we are keeping your tax file number secure and safe on file. Yes. So when you press the sign now, you should be able to add the signature for those two. And then Okay. The other one? If it's just the one, that's that's fine. You may have signed the tax time number last time. So that's probably yeah. Okay. Perfect. Yep. Now I can see that that has come through on my end, which is great. So I will get the team to to upload that to Hub twenty four. I will go and do the research on your investments. I'll give you a call on Thursday, the seventh, at 11AM, but I will also get the team to email you those beneficiary forms in the meantime so you can then have a look at those. But before I let you go, otherwise, do you have any other questions for me today? No? Okay. Perfect. Well, I will let you go and enjoy the rest of your afternoon, and I look forward to speaking with you on Thursday, the seventh. No problem. We'll speak soon. Thanks. 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morning, Cody. This is Veronica from Oakview Financial. How are you? Yeah. Good.\n\nThanks. I had you booked in this morning to go over your annual review. Is now still a good time for you? Yes. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address for me, please? Yep. Yep.\n\nPerfect. And that's one yeah. 1Slash9? Yep. No.\n\nWe have updated that on our records already, so thank you for confirming both of them. Now before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or whether it's just a bit of a catch up and see kind of what happened in the last twelve months or so? Just yeah. Perfect. So what I will do first, Cody, is just to run through a bit of the updated pipeline with you just to see if there's anything major that has changed in your life, if we do need to make any changes to your advice.\n\nSo just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as in our de facto relationship with no financial dependents. Is that still the case? Yep. Perfect.\n\nAnd next up, Keen, I have Brooke nominated. That's still the case as well? Yes. Perfect. Now who would you like to change this to?\n\nK. Perfect. And best phone number? Yep. Yep.\n\nYep. Perfect. Otherwise, that's good memory. Yeah. Perfect.\n\nAnd and relationship to yourself, is that your partner? Yep. Perfect. I'll update that. Otherwise, when it comes to employment, has any of that changed or still working as a operation manager?\n\nPerfect. Per week? Yes. Perfect. Per week after that.\n\nAre you still doing the same kind of role aside from you are now obviously contracted, or are you doing, like, a different occupation altogether? Yep. Yes. Yep. Alright.\n\nPerfect. Well, that will keep you at least very varied. It won't be boring for you. And so with the the contract with them as well, do any of them pay you contributions, or is it just completely self employed and then it's up to you to actually make contributions yourself? Okay.\n\nOkay. Okay. Because I can have a quick look otherwise in your account. Do you know how often typically they will make contribution otherwise? Every week?\n\nOkay. Perfect. Yeah. Okay. No.\n\nThat's okay. Because, yeah, I'm having a look at your account at the moment. I can't see anything. Okay. The last thing I can see is from the distillery company on the February 3, and that was 2,902.\n\nYep. Okay. Great. Perfect. So overall, even though it is obviously changing a little bit income wise per week, you will still like, if you do the 11 to 1,200 per week after tax, that pretax amount, you would still get the standard 12% contribution in total.\n\nIt's just from different places. Is that correct? Yeah. Okay. Perfect.\n\nI have here as well savings per week about 400 where possible. Is that still kind of where things are at? Right. Yeah. No.\n\nThat's alright. Yeah. No. That's all good. Otherwise, asset wise, I have here motor vehicle right at about 60,000 with about 40 owing.\n\nIt just says motor vehicle. Okay. Perfect. But the new one is also still kind of valued at about 60? Yeah.\n\nYeah. Okay. Perfect. And I also have jewelry of about 20,000. Yep.\n\nPerfect. Do you have any other new assets otherwise? Motorbikes or boats or anything else? No. Perfect.\n\nAnd any liabilities, like personal loans, credit cards, ZipPay? That's perfect. Now health and lifestyle wise, I have you here just as a social smoker, mainly just when you're drinking. Is that still kind of the case as well? Yes.\n\nI know. Yeah. No. Yeah. Yeah.\n\nNo. Perfect. And otherwise, health wise, how's your lower back pains and everything going? Still the same? Okay.\n\nYeah. And you're still seeing a specialist? Okay. Arthritis. Yep.\n\nAnd are you still kind of regular thing, like, a specialist or a doctor or physio? Right? Mhmm. Yep. Yeah.\n\nAnd it's manageable in a way. Like, you obviously can work and stuff. Obviously, it's not pleasant, but but you can work. Okay. Otherwise, any changes to your health otherwise?\n\nNo. No. That's that's good. And do you have private health insurance? Yep.\n\nNo. That's fair enough. And with your income, you should be under the threshold anyway. If it is that your income does increase quite a bit, I've just been mindful as well of if you don't have hospital coverage, you might be eligible to pay for the additional medical levy surcharge. So, obviously, additional tax if you don't have private health insurance, but the way things are at the moment, you should be all good.\n\nBut, yeah, if if your income does increase, it's worth considering. Obviously, you have to then weigh up the cost of your private health versus how much the medical levy would be and then, obviously, make a decision. Yep. Yep. Yes.\n\nNo. I feel you. Yeah. Yep. Yep.\n\nYep. I'm super sure most people feel very much the same, and the only reason why obviously, some people do depending on which level who you're with and the level of cover you have, but a lot of people I speak to, it is the same. And the for majority of people, the only reason they have it is to not pay additional tax. Just for your reference, if in a single threshold, if your income for this financial year exceeds a 101,000, you will have to if your income is under a 101,000, you don't have to pay any additional tax. If it's over a $101,101,000, you have to pay 1%.\n\nOver 118 is 1.25, and then a 150 8,000 and more is 1.5. So if it does get through that point, like, if you do go above a 101,000, sometimes it's worth just doing the math because I know some clients, especially as your income gets higher, paying for private health insurance is cheaper than the additional tax they pay. So, yes, you might not see them, the value in it. But if it means you pay less tax, it's something to consider. But the way things are right now, you should be under it.\n\nBut, yes, just just be mindful. Okay. Great. Perfect. Yeah.\n\nYep. Yeah. Yes. Yes. Yes.\n\nOh, yeah. No. I know. For sure. And and yeah.\n\nThat's it. And and you also don't have to worry because sometimes it's like if you just borderline or if you're in that first percentage, yes, you may have to pay a little bit more tax, but it could be cheaper than what you're actually paying for private health anyway. So just something to consider if you do exceed 101,000. If you're ever unsure and your income does increase, you can always just call me, and I can just kind of run it through with you as well. But, yeah, just something in the future to be mindful of if your income does increase.\n\nYep. Perfect. And, otherwise, when it comes to estate planning, I don't actually have a nomination on your super account. So in the event that something were to happen to you, someone that you would like to nominate. Now do you have someone in mind that you would like to give that to?\n\nYep. Okay. Perfect. Now because she is your spouse, if anything were to happen, it will be tax free to her. Now because it is making a legal nomination, It is a form I will have to send to you.\n\nYou would have to get a witness and website, send it back to me, and then I can get that uploaded and sorted for you. It is important when you have a moment just so there's if there's ever a conflict or other people trying to make a claim for anything, we obviously wanna make sure that's not the case. Yep. Yep. Yeah.\n\nYeah. That's good. Yeah. Okay. Yeah.\n\nYep. Okay. Perfect. Because sometimes we change the issues with previous partners and stuff like that as well. So always good to have in place if something were to happen, but it's good that there's not really anyone that would do that.\n\nNo. All good. Yeah. No. That that's very good.\n\nAnd now, Cody, do you have access to a printer, or do you prefer these forms to be posted to you just because they have to be web signed? Okay. Perfect. So if you don't mind, I will get then the team to email you those forms. That way, you do have it in your inbox as well.\n\nWhen you have a moment, obviously, print it out, complete it, send it back, and we will get that sorted for you. Yep. Perfect. Otherwise, I guess, when it come comes to goals, stuff that you are working towards, you obviously have a bit going on work wise. But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment?\n\nYes. Yeah. And is it still con yep. No. You get you you go.\n\nYep. Yep. Perfect. And I have here as well, I guess, more medium to long term. The goal is to buy a property.\n\nIs that still kind of something that you are wanting to do down the track? Yep. Okay. Yep. More more long term.\n\nYes. No. That's all good. Perfect. And when it comes to superannuation as well, we currently have you invested in a growth portfolio sorry, in a high growth portfolio.\n\nAnd I know last time, we kind of went through a couple of questions to see how your risks and and everything was, how you felt about everything. Has any of that changed for you, or are you still kind of comfortable with the same level of risk and position for your superannuation? Yep. No. The last, yeah.\n\nThe last twelve months have been, obviously, a bit up and down, which which you obviously can expect throughout time as well. Obviously, these last twelve months, there's been quite a bit. Obviously, you had everything in The US happening and then the war and stuff like that. So we obviously have seen fluctuations. But with our high growth portfolio, for your age where things are at, I would say high growth is a good position as long as you are comfortable with it.\n\nBecause if we are looking at because you're you're super positioned from a long term position. Now throughout time as well, you will have ups and downs and market fluctuations in the short term. So at the same time, while the prices and everything is down a little bit, if you are selling out now, you are then also selling when some of it is down. Yes. You can also buy when it's down, but a lot of the investments are positioned, obviously, more from a long term position.\n\nAnd in a high growth portfolio as well, we do typically say eight years until retirement and a minimum to make sure you have enough time because during those eight years, you will have potentially one or two years where it might be down, and then the rest will be a lot better. So it's not what we're seeing unusual in the market as a whole if we're looking historically and stuff, especially in a high growth portfolio. So I wouldn't be too concerned if I were you where you are at the moment given your age. But at the same time, it's also what you're comfortable with. Because if you did see your like, your super drop a little bit in the short term, obviously, and that would kind of freak you up quite a bit, then we might wanna look at making changes.\n\nBut if you're comfortable okay. Perfect. Yes. Okay. Yeah.\n\nPerfect. Well, yeah, otherwise, it is most clients that we do see in in your position as well. So in your age, we do see in a high growth at least. So you are definitely well positioned from that. I'm kind of talking about your portfolio and stuff like that as well.\n\nDo you have access to your emails at the moment or not really right now if you're a bit busy? So I have send you ultimately, it's up to you. I have send you an email with some documents to go through. Most people are happy to get that up on the phone and at it because afterwards, it's still saved to your folder if you do wanna go and have a look at it. But if you feel like you would like to access it on a computer or something later, I can always just run through the document.\n\nAnd then when you have a bit more time later, you can also access this. And if you don't have any questions, you can let me know. So it is up to you. Yep. Sorry.\n\nBefore so we have recently changed the the software, so it might look a little bit different to the last annual review. But, essentially, in the email, before you click on the link where it says sign now, at the bottom of the email, can you see a couple of attachments? Yep. Perfect. Now I won't get you because they're a bit larger files that are open on the mobile, but the the first two or the bottom two where it says OTP services guide and OTP financial services guide.\n\nCan you see those? Yep. So the, yeah, so they're a little bit larger files. We have gone through this before. It is one of those compliance documents.\n\nIt's basically everything that you need to know about us. So all the important information is in there. The team director of advisers, it's very similar to what we went through last year. We've had a bit of change to marketing. So if if you do go and have a look at it, you will see we've had some updated photos and marketing, which is good, and also a bit of an extension to the team.\n\nBut, otherwise, I'll get you to have a read of those because none of the important information has changed. Now you also have a super summary report. Can you open that for me if it works? Yep. So you yes.\n\nCorrect. So at the moment, you obviously have your superannuation in Hub 24, and you do have about $42,832 in there. And you don't have any insurances at the moment. Are you still obviously comfortable without insurances? Yeah.\n\nPerfect. Now the other one is your twelve month HAP 24 IRR, if you can see that one. Now it might be a little bit small on the phone for you. Yep. Let me know if that works for you.\n\nYep. So it might look a little bit messy, but it gives you a portfolio performance report over the last twelve months. Now we've already touched on it already, but, obviously, the market in the last twelve months has been very up and down, and your portfolio is positioned for the long term. But in the good in a positive way, though, that this despite, obviously, a lot of things have been quite down at the moment and a lot of fluctuation, in the last twelve months, after fees, your portfolio is still up. So it's definitely not down.\n\nNow it's up about 4.52%. So, obviously, we would like to see that increase, but in kind of looking at the portfolio this year, the the key theme is that your your position is growing, and it is working as intended. Now when we do look at the individual investments, a lot of the the bigger growth is coming from your core global and thematic exposures. But you can see that, for example, The US exposure through the S and P 500 have kind of stood out to us again and delivered a good solid double digit growth, which is good. And we've also seen pretty good performance from some of the other factors and the alternative exposures like your Rafi Australian strategy.\n\nGold have also done really well, and that's kind of helped build the portfolio. Now at the same time, there are few areas that kind of have lagged a little bit, and some of these are your cyclical and emerging markets, which is not out of the norm because they are kind of positioned as well in different segments throughout the high growth portfolio. So at different points in time, depending on what is going on in the market, there's obviously some that's going to grow a little bit more and some that's not and kind of negating each other. But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed. So we've got a lot of research at the moment and the investment committee as well on one of the investments in your portfolio, which is your Benelung Australian equity.\n\nSo I'm not sure if you're too familiar with that investment, but that is one of your managed funds. And the purpose to find that is to actively buy and sell different investments in order to try to outperform the market. And more recently, they have underperformed a little bit, and they have a little bit been a little bit slower with making decisions. So we've done a lot of research on it, and it is one that we would like to change. So if you are happy to do so, we have done obviously, a lot of comparisons because if we're swapping one Australian equity component, we obviously wanna replace it with another Australian investment to still give you that diversification.\n\nBut we're trying to look for something that's potentially a little bit cheaper, but also kind of improve those returns for you moving forward by still giving you diversification. So we have found another one, which is the BetaShares two hundred Australia. It's a bit cheaper than your Benelon because it doesn't have the same active component, but also kind of a bit more steady. So you don't have the same kind of volatility as the Venelon investment and have performed a little bit better. But it still gives you exposures to the 200 largest companies listed in Australia.\n\nSo it still gives you really good diversification. So if you are happy with that, I will draw up a record of advice for you to just outline that we will go ahead and make the change just swapping your BIN along for the a 200 if that is something that you are happy with. Yes. Okay. Perfect.\n\nNow you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done. And the good thing as well, because the Benelon is down a little bit, there won't be any capital gains tax with making the change, which is good. Yeah. Perfect. So just kind of keep a lookout for that email.\n\nNow it might be sometime next week that it comes through. But, yeah, just just keep a lookout for that to come through, and we will get that sorted for you. Any other questions so far? That's pretty straightforward. Mhmm.\n\nMhmm. Yes. Yes. Yes. Yep.\n\nYes. Yes. Yep. And it definitely like, the gold and silver have been doing really well. If it is something that you want, we can do some more research on it and see how we can fit it into your portfolio.\n\nThe only thing to be mindful of is because we obviously have have you in a high growth portfolio, which does mean that we have about 90% allocated to your growth investments for that long term position. The silver would more be classified towards your defensive investments, which is kind of like you touched on there a little bit more stable. And in a high growth portfolio, we have about 10% allocated to defensive investments. We already have gold and fixed interest as part of your portfolio. So if we swap out something for silver for you, it will mean we can try to change some of your defensive investment because you're already in a high growth.\n\nYou don't have too many defenses. So what it might mean is they will then potentially take some some of your growth investments and put it more into defensive, which might not align with your risk profile as much. So it it's up to you if it is something because at the same time with the silver, as good as it has been, you're also things are quite high at the moment, so then you're also buying in while it's do you know? So Not on top of my head. I don't.\n\nLet's see if I can find it. Is it also the pants on The gold. Yes. Exactly. Yeah.\n\nYeah. I'll because I'll have to have a look at Inhub '24, which ones they have available for you. Now I know that they do have silver because we have that sometimes in some of the older client portfolio as well that has a bit more defensive. So we have both gold and silver. And you have gold at the moment, but it is exactly like you said.\n\nIt is not obviously physical gold. It's through, obviously, the exchange where it's held. So I know it's definitely available within Hub 24. So if it is something that you want added to your portfolio, I can go and do some research and see if we can swap something else out or readjust the percentage. To still tryna keep you yeah.\n\nSo still tryna keep you in a high growth. Now with that, obviously, if we are selling some investments, there will be potential capital gains tax with it as well. But I can go and do the research for you and see if we can incorporate it into your portfolio, but also what that's going to look like in terms of fees, returns, and stuff like that as an overall position. So I can most definitely have a look at that. Now it will take me about a week or so to put everything together.\n\nSo when is a best time for you to kind of run through that research? Alright. Let me have a look at me. Okay. Perfect.\n\nLet me see. Next week is pretty full, but I do have one slot on Thursday, the seventh, at 11AM. Would that work? Yeah? Okay.\n\nPerfect. So I'll book you in on Thursday, May 7, at 11AM to have a look at the silver. And then also, because I'm re digging potentially the portfolio, I'll just incorporate the Bennelong switch into that same document so that you can you can see that if we do need to make changes. Because I don't wanna make a straight a straight swap for Bedlam to 8 to a 100. If it is, then we have to take a little bit from that investment to make sure we can then add the silver.\n\nSo I'll just incorporate all of that into the same one. Would you like a reminder text that's two hours before the appointment in case anything comes up for you? Yep. Perfect. So that is all booked in for you.\n\nI'm more than happy to do that research and see if we can incorporate that into your portfolio even if it's just a little bit. Have a bit of a look at it. Otherwise, the last part of the annual review is when you do have a moment or if you're happy to do so now, when you click on the document where it says sign now, it will ask you to sign through documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain as a client. Now there is no changes whatsoever in regards to the fee structure.\n\nIt stays exactly the same at that 1.65 from super. No changes whatsoever in regards to that. And after usual, there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract or exit fees. But for the time being, this lets us keep your account active and manage and make all those changes for you.\n\nAnd then the last one is there should be a tax file number for myself. It's just a compliant document just to say that we are keeping your tax file number secure and safe on file. Yes. So when you press the sign now, you should be able to add the signature for those two. And then Okay.\n\nThe other one? If it's just the one, that's that's fine. You may have signed the tax time number last time. So that's probably yeah. Okay.\n\nPerfect. Yep. Now I can see that that has come through on my end, which is great. So I will get the team to to upload that to Hub twenty four. I will go and do the research on your investments.\n\nI'll give you a call on Thursday, the seventh, at 11AM, but I will also get the team to email you those beneficiary forms in the meantime so you can then have a look at those. But before I let you go, otherwise, do you have any other questions for me today? No? Okay. Perfect.\n\nWell, I will let you go and enjoy the rest of your afternoon, and I look forward to speaking with you on Thursday, the seventh. No problem. We'll speak soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Cody.","start":3.04,"end":4.0,"sentiment":"positive","sentiment_score":0.3994670510292053},{"text":"This is Veronica from Oakview Financial.","start":4.0,"end":6.1,"sentiment":"neutral","sentiment_score":0.2912924339373906},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.22282923261324564},{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.277523934841156},{"text":"Good.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.523972749710083}],"sentiment":"neutral","sentiment_score":0.31543858136449543,"num_words":14,"start":3.04,"end":9.679999},{"sentences":[{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.607903242111206},{"text":"I had you booked in this morning to go over your annual review.","start":11.12,"end":14.0,"sentiment":"positive","sentiment_score":0.43921919969412},{"text":"Is now still a good time for you?","start":14.0,"end":15.645,"sentiment":"positive","sentiment_score":0.37539369612932205},{"text":"Yes.","start":17.405,"end":17.725,"sentiment":"positive","sentiment_score":0.4175185561180115},{"text":"Perfect.","start":17.725,"end":18.225,"sentiment":"positive","sentiment_score":0.4768190383911133}],"sentiment":"positive","sentiment_score":0.4256350000699361,"num_words":24,"start":9.679999,"end":18.225},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":18.685001,"end":25.825,"sentiment":"neutral","sentiment_score":0.04921278222624598},{"text":"Perfect.","start":27.645,"end":28.145,"sentiment":"neutral","sentiment_score":0.15472795069217682},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address for me, please?","start":28.205,"end":37.6,"sentiment":"neutral","sentiment_score":0.050697207218036056},{"text":"Yep.","start":41.82,"end":42.32,"sentiment":"neutral","sentiment_score":0.01298994105309248},{"text":"Yep.","start":52.175,"end":52.495,"sentiment":"neutral","sentiment_score":0.05226188898086548}],"sentiment":"neutral","sentiment_score":0.05108532962913159,"num_words":64,"start":18.685001,"end":52.495},{"sentences":[{"text":"Perfect.","start":52.495,"end":52.894997,"sentiment":"neutral","sentiment_score":0.1905808746814728},{"text":"And that's one yeah.","start":52.894997,"end":54.735,"sentiment":"neutral","sentiment_score":0.037412747740745544},{"text":"1Slash9?","start":54.735,"end":55.875,"sentiment":"neutral","sentiment_score":0.010020601563155653},{"text":"Yep.","start":57.31,"end":57.63,"sentiment":"neutral","sentiment_score":0.041714586317539215},{"text":"No.","start":57.63,"end":57.870003,"sentiment":"neutral","sentiment_score":0.027713410556316376}],"sentiment":"neutral","sentiment_score":0.052460058010183275,"num_words":8,"start":52.495,"end":57.870003},{"sentences":[{"text":"We have updated that on our records already, so thank you for confirming both of them.","start":57.870003,"end":62.45,"sentiment":"neutral","sentiment_score":0.28252597618848085},{"text":"Now before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or whether it's just a bit of a catch up and see kind of what happened in the last twelve months or so?","start":63.710003,"end":76.365005,"sentiment":"neutral","sentiment_score":-0.03780741904649818},{"text":"Just yeah.","start":79.305,"end":80.825005,"sentiment":"neutral","sentiment_score":0.008308880031108856},{"text":"Perfect.","start":80.825005,"end":81.325005,"sentiment":"neutral","sentiment_score":0.17732901871204376},{"text":"So what I will do first, Cody, is just to run through a bit of the updated pipeline with you just to see if there's anything major that has changed in your life, if we do need to make any changes to your advice.","start":81.705,"end":92.82,"sentiment":"neutral","sentiment_score":0.03398960380052978}],"sentiment":"neutral","sentiment_score":0.033790683994690575,"num_words":120,"start":57.870003,"end":92.82},{"sentences":[{"text":"So just kind of bear with me as I go through these questions.","start":92.96,"end":95.86,"sentiment":"neutral","sentiment_score":0.02568205216756234},{"text":"Now when it comes to your personal information, I have you down here as in our de facto relationship with no financial dependents.","start":97.520004,"end":105.255,"sentiment":"neutral","sentiment_score":-0.005009023229713025},{"text":"Is that still the case?","start":105.314995,"end":106.534996,"sentiment":"neutral","sentiment_score":-0.018037886917591096},{"text":"Yep.","start":108.195,"end":108.595,"sentiment":"neutral","sentiment_score":0.10190647840499878},{"text":"Perfect.","start":108.595,"end":109.095,"sentiment":"neutral","sentiment_score":0.248360812664032}],"sentiment":"neutral","sentiment_score":0.011133418613395025,"num_words":43,"start":92.96,"end":109.095},{"sentences":[{"text":"And next up, Keen, I have Brooke nominated.","start":109.235,"end":111.814995,"sentiment":"neutral","sentiment_score":0.1556460540741682},{"text":"That's still the case as well?","start":111.875,"end":113.494995,"sentiment":"neutral","sentiment_score":0.11464937900503476},{"text":"Yes.","start":116.04,"end":116.44,"sentiment":"neutral","sentiment_score":0.2542072832584381},{"text":"Perfect.","start":116.44,"end":116.94,"sentiment":"positive","sentiment_score":0.5314209461212158},{"text":"Now who would you like to change this to?","start":117.08,"end":120.14,"sentiment":"neutral","sentiment_score":0.0980407339003351}],"sentiment":"neutral","sentiment_score":0.14404238164424896,"num_words":25,"start":109.235,"end":120.14},{"sentences":[{"text":"K.","start":133.185,"end":133.505,"sentiment":"neutral","sentiment_score":0.09216491132974625},{"text":"Perfect.","start":133.505,"end":134.005,"sentiment":"positive","sentiment_score":0.3624117970466614},{"text":"And best phone number?","start":134.145,"end":135.765,"sentiment":"neutral","sentiment_score":0.11466480977833271},{"text":"Yep.","start":141.105,"end":141.605,"sentiment":"neutral","sentiment_score":0.02201581560075283},{"text":"Yep.","start":144.5,"end":145.0,"sentiment":"neutral","sentiment_score":0.02845144644379616}],"sentiment":"neutral","sentiment_score":0.12046290119178593,"num_words":8,"start":133.185,"end":145.0},{"sentences":[{"text":"Yep.","start":148.98001,"end":149.48001,"sentiment":"neutral","sentiment_score":0.1100788116455078},{"text":"Perfect.","start":149.54001,"end":150.04001,"sentiment":"neutral","sentiment_score":0.332004189491272},{"text":"Otherwise, that's good memory.","start":150.66,"end":152.36,"sentiment":"neutral","sentiment_score":0.13481037504971027},{"text":"Yeah.","start":153.78,"end":154.28,"sentiment":"neutral","sentiment_score":0.0889463722705841},{"text":"Perfect.","start":154.34001,"end":154.84001,"sentiment":"neutral","sentiment_score":0.2097034454345703}],"sentiment":"neutral","sentiment_score":0.1599967898800969,"num_words":8,"start":148.98001,"end":154.84001},{"sentences":[{"text":"And and relationship to yourself, is that your partner?","start":155.3,"end":158.04001,"sentiment":"neutral","sentiment_score":0.0671207428806358},{"text":"Yep.","start":159.915,"end":160.415,"sentiment":"neutral","sentiment_score":0.05896485596895218},{"text":"Perfect.","start":160.47499,"end":160.97499,"sentiment":"neutral","sentiment_score":0.27071720361709595},{"text":"I'll update that.","start":161.435,"end":162.735,"sentiment":"neutral","sentiment_score":0.1840116729338964},{"text":"Otherwise, when it comes to employment, has any of that changed or still working as a operation manager?","start":164.955,"end":170.655,"sentiment":"neutral","sentiment_score":0.0064983561428056825}],"sentiment":"neutral","sentiment_score":0.0500866929651238,"num_words":32,"start":155.3,"end":170.655},{"sentences":[{"text":"Perfect.","start":198.875,"end":199.375,"sentiment":"neutral","sentiment_score":0.10414499044418336},{"text":"Per week?","start":199.515,"end":200.33499,"sentiment":"neutral","sentiment_score":0.040982358157634735},{"text":"Yes.","start":201.68001,"end":202.16,"sentiment":"neutral","sentiment_score":0.07802294194698334},{"text":"Perfect.","start":202.16,"end":202.66,"sentiment":"neutral","sentiment_score":0.1467261016368866},{"text":"Per week after that.","start":202.8,"end":204.58,"sentiment":"neutral","sentiment_score":0.04560623271390796}],"sentiment":"neutral","sentiment_score":0.06592040902210607,"num_words":9,"start":198.875,"end":204.58},{"sentences":[{"text":"Are you still doing the same kind of role aside from you are now obviously contracted, or are you doing, like, a different occupation altogether?","start":206.08,"end":215.3,"sentiment":"neutral","sentiment_score":-0.007865095883607865},{"text":"Yep.","start":221.46501,"end":221.96501,"sentiment":"neutral","sentiment_score":-0.009935762733221054},{"text":"Yes.","start":234.49,"end":234.99,"sentiment":"neutral","sentiment_score":-0.0075948815792799},{"text":"Yep.","start":240.65001,"end":241.15001,"sentiment":"neutral","sentiment_score":0.02956366166472435},{"text":"Alright.","start":248.345,"end":248.74501,"sentiment":"neutral","sentiment_score":0.19022689759731293}],"sentiment":"neutral","sentiment_score":0.00019422475377033497,"num_words":29,"start":206.08,"end":248.74501},{"sentences":[{"text":"Perfect.","start":248.74501,"end":249.24501,"sentiment":"positive","sentiment_score":0.41748046875},{"text":"Well, that will keep you at least very varied.","start":249.30501,"end":251.325,"sentiment":"positive","sentiment_score":0.41505541404088336},{"text":"It won't be boring for you.","start":251.38501,"end":253.16501,"sentiment":"positive","sentiment_score":0.41631383697191876},{"text":"And so with the the contract with them as well, do any of them pay you contributions, or is it just completely self employed and then it's up to you to actually make contributions yourself?","start":256.825,"end":271.0,"sentiment":"neutral","sentiment_score":0.049573225900530815},{"text":"Okay.","start":280.885,"end":281.385,"sentiment":"neutral","sentiment_score":-0.00780772790312767}],"sentiment":"neutral","sentiment_score":0.16111764222240219,"num_words":52,"start":248.74501,"end":281.385},{"sentences":[{"text":"Okay.","start":287.55002,"end":288.05002,"sentiment":"neutral","sentiment_score":-0.06206605210900307},{"text":"Okay.","start":291.15,"end":291.55002,"sentiment":"neutral","sentiment_score":-0.014728790149092674},{"text":"Because I can have a quick look otherwise in your account.","start":291.55002,"end":294.83002,"sentiment":"neutral","sentiment_score":0.01729827323420481},{"text":"Do you know how often typically they will make contribution otherwise?","start":294.83002,"end":300.29,"sentiment":"neutral","sentiment_score":0.012715989723801613},{"text":"Every week?","start":302.495,"end":303.135,"sentiment":"neutral","sentiment_score":0.010175589006394148}],"sentiment":"neutral","sentiment_score":0.01052743185741397,"num_words":26,"start":287.55002,"end":303.135},{"sentences":[{"text":"Okay.","start":303.135,"end":303.535,"sentiment":"neutral","sentiment_score":0.055055972188711166},{"text":"Perfect.","start":303.535,"end":304.035,"sentiment":"neutral","sentiment_score":0.2071312665939331},{"text":"Yeah.","start":308.495,"end":308.895,"sentiment":"neutral","sentiment_score":-0.043489161878824234},{"text":"Okay.","start":308.895,"end":309.395,"sentiment":"neutral","sentiment_score":-0.06950145959854126},{"text":"No.","start":310.895,"end":311.215,"sentiment":"neutral","sentiment_score":-0.12308111041784286}],"sentiment":"neutral","sentiment_score":0.005223101377487183,"num_words":5,"start":303.135,"end":311.215},{"sentences":[{"text":"That's okay.","start":311.215,"end":311.775,"sentiment":"neutral","sentiment_score":-0.08047759160399437},{"text":"Because, yeah, I'm having a look at your account at the moment.","start":311.775,"end":314.675,"sentiment":"neutral","sentiment_score":-0.05402186466380954},{"text":"I can't see anything.","start":316.41,"end":317.63,"sentiment":"neutral","sentiment_score":-0.1395957674831152},{"text":"Okay.","start":319.45,"end":319.77002,"sentiment":"neutral","sentiment_score":-0.019479019567370415},{"text":"The last thing I can see is from the distillery company on the February 3, and that was 2,902.","start":319.77002,"end":328.67,"sentiment":"neutral","sentiment_score":-0.008487953951484278}],"sentiment":"neutral","sentiment_score":-0.04074607299346673,"num_words":38,"start":311.215,"end":328.67},{"sentences":[{"text":"Yep.","start":339.915,"end":340.23502,"sentiment":"neutral","sentiment_score":0.09963224828243256},{"text":"Okay.","start":340.23502,"end":340.555,"sentiment":"neutral","sentiment_score":0.21475020051002505},{"text":"Great.","start":340.555,"end":340.875,"sentiment":"positive","sentiment_score":0.5490788221359253},{"text":"Perfect.","start":340.875,"end":341.375,"sentiment":"positive","sentiment_score":0.5032299160957336},{"text":"So overall, even though it is obviously changing a little bit income wise per week, you will still like, if you do the 11 to 1,200 per week after tax, that pretax amount, you would still get the standard 12% contribution in total.","start":341.435,"end":357.87,"sentiment":"neutral","sentiment_score":0.197103132168914}],"sentiment":"neutral","sentiment_score":0.20940693341037062,"num_words":47,"start":339.915,"end":357.87},{"sentences":[{"text":"It's just from different places.","start":357.87,"end":360.29,"sentiment":"neutral","sentiment_score":0.02903679646551609},{"text":"Is that correct?","start":361.075,"end":361.89502,"sentiment":"neutral","sentiment_score":0.08736644436915715},{"text":"Yeah.","start":361.95502,"end":362.275,"sentiment":"neutral","sentiment_score":0.05602208897471428},{"text":"Okay.","start":362.275,"end":362.595,"sentiment":"neutral","sentiment_score":0.10646281391382216},{"text":"Perfect.","start":362.595,"end":363.095,"sentiment":"neutral","sentiment_score":0.2570702135562897}],"sentiment":"neutral","sentiment_score":0.075167130170898,"num_words":11,"start":357.87,"end":363.095},{"sentences":[{"text":"I have here as well savings per week about 400 where possible.","start":364.755,"end":369.155,"sentiment":"neutral","sentiment_score":0.13695433301230273},{"text":"Is that still kind of where things are at?","start":369.155,"end":373.33502,"sentiment":"neutral","sentiment_score":0.06998364999890327},{"text":"Right.","start":376.87,"end":377.37,"sentiment":"neutral","sentiment_score":0.015333903953433037},{"text":"Yeah.","start":378.38998,"end":378.88998,"sentiment":"neutral","sentiment_score":-0.03563429415225983},{"text":"No.","start":381.27,"end":381.50998,"sentiment":"neutral","sentiment_score":-0.07813827693462372}],"sentiment":"neutral","sentiment_score":0.09061942412517965,"num_words":24,"start":364.755,"end":381.50998},{"sentences":[{"text":"That's alright.","start":381.50998,"end":382.25,"sentiment":"neutral","sentiment_score":-0.03126497380435467},{"text":"Yeah.","start":384.71,"end":385.21,"sentiment":"neutral","sentiment_score":0.008111631497740746},{"text":"No.","start":385.91,"end":386.15,"sentiment":"neutral","sentiment_score":-0.07502737641334534},{"text":"That's all good.","start":386.15,"end":387.21,"sentiment":"neutral","sentiment_score":-0.01762306030529241},{"text":"Otherwise, asset wise, I have here motor vehicle right at about 60,000 with about 40 owing.","start":388.06998,"end":395.01498,"sentiment":"neutral","sentiment_score":-0.039591736043803394}],"sentiment":"neutral","sentiment_score":-0.03546881087569763,"num_words":23,"start":381.50998,"end":395.01498},{"sentences":[{"text":"It just says motor 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60?","start":419.745,"end":422.965,"sentiment":"neutral","sentiment_score":0.012803192232520534},{"text":"Yeah.","start":424.38498,"end":424.88498,"sentiment":"neutral","sentiment_score":0.1665455996990204}],"sentiment":"neutral","sentiment_score":0.012256865289860539,"num_words":21,"start":406.28,"end":424.88498},{"sentences":[{"text":"Yeah.","start":426.785,"end":427.10498,"sentiment":"positive","sentiment_score":0.347606897354126},{"text":"Okay.","start":427.10498,"end":427.425,"sentiment":"positive","sentiment_score":0.36103200912475586},{"text":"Perfect.","start":427.425,"end":427.925,"sentiment":"positive","sentiment_score":0.6457483768463135},{"text":"And I also have jewelry of about 20,000.","start":428.22498,"end":430.88498,"sentiment":"neutral","sentiment_score":0.2674943897873163},{"text":"Yep.","start":433.32,"end":433.63998,"sentiment":"neutral","sentiment_score":0.19403603672981265}],"sentiment":"neutral","sentiment_score":0.3073648698627949,"num_words":12,"start":426.785,"end":433.63998},{"sentences":[{"text":"Perfect.","start":433.63998,"end":434.04,"sentiment":"positive","sentiment_score":0.4003083109855652},{"text":"Do you have any other new assets otherwise?","start":434.04,"end":436.22,"sentiment":"neutral","sentiment_score":0.08984742313623428},{"text":"Motorbikes or boats or anything else?","start":436.84,"end":440.06,"sentiment":"neutral","sentiment_score":0.05951028813918432},{"text":"No.","start":442.84,"end":443.24,"sentiment":"neutral","sentiment_score":0.009607427753508093},{"text":"Perfect.","start":443.24,"end":443.72,"sentiment":"neutral","sentiment_score":0.11714071780443192}],"sentiment":"neutral","sentiment_score":0.09428809238049914,"num_words":17,"start":433.63998,"end":443.72},{"sentences":[{"text":"And any liabilities, like personal loans, credit cards, ZipPay?","start":443.72,"end":447.18,"sentiment":"neutral","sentiment_score":0.040371924431787595},{"text":"That's perfect.","start":448.895,"end":449.715,"sentiment":"neutral","sentiment_score":0.245837040245533},{"text":"Now health and lifestyle wise, I have you here just as a social smoker, mainly just when you're drinking.","start":449.935,"end":456.595,"sentiment":"neutral","sentiment_score":0.007355570204948124},{"text":"Is that still kind of the case as well?","start":456.735,"end":458.835,"sentiment":"neutral","sentiment_score":-0.009919587729705704},{"text":"Yes.","start":462.87,"end":463.19,"sentiment":"neutral","sentiment_score":0.011477123014628887}],"sentiment":"neutral","sentiment_score":0.022924451692961156,"num_words":40,"start":443.72,"end":463.19},{"sentences":[{"text":"I 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going?","start":474.15,"end":480.785,"sentiment":"neutral","sentiment_score":0.030466239899396896},{"text":"Still the same?","start":484.925,"end":485.645,"sentiment":"neutral","sentiment_score":-0.00593197097380956},{"text":"Okay.","start":485.645,"end":486.145,"sentiment":"neutral","sentiment_score":-0.04292445629835129}],"sentiment":"neutral","sentiment_score":0.027217276394367218,"num_words":18,"start":472.06998,"end":486.145},{"sentences":[{"text":"Yeah.","start":489.03,"end":489.53,"sentiment":"neutral","sentiment_score":-0.01472520548850298},{"text":"And you're still seeing a specialist?","start":489.59,"end":491.85,"sentiment":"neutral","sentiment_score":-0.028894787343839805},{"text":"Okay.","start":492.71,"end":493.11,"sentiment":"neutral","sentiment_score":-0.023197440430521965},{"text":"Arthritis.","start":493.11,"end":493.61,"sentiment":"neutral","sentiment_score":-0.03126612305641174},{"text":"Yep.","start":493.75,"end":494.25,"sentiment":"neutral","sentiment_score":0.001786923035979271}],"sentiment":"neutral","sentiment_score":-0.024077057000249626,"num_words":10,"start":489.03,"end":494.25},{"sentences":[{"text":"And are you still kind of regular thing, like, a specialist or a doctor or physio?","start":494.47,"end":501.53,"sentiment":"neutral","sentiment_score":-0.056866533355787396},{"text":"Right?","start":501.91,"end":502.41,"sentiment":"neutral","sentiment_score":-0.08536112308502197},{"text":"Mhmm.","start":506.565,"end":507.065,"sentiment":"neutral","sentiment_score":-0.266642689704895},{"text":"Yep.","start":509.76498,"end":510.26498,"sentiment":"neutral","sentiment_score":-0.3006649613380432},{"text":"Yeah.","start":514.005,"end":514.40497,"sentiment":"neutral","sentiment_score":-0.20152530074119568}],"sentiment":"neutral","sentiment_score":-0.08820293042808772,"num_words":20,"start":494.47,"end":514.40497},{"sentences":[{"text":"And it's manageable in a way.","start":514.40497,"end":517.04004,"sentiment":"neutral","sentiment_score":-0.004242098579804103},{"text":"Like, you obviously can work and stuff.","start":517.04004,"end":518.80005,"sentiment":"neutral","sentiment_score":0.0011782215109893254},{"text":"Obviously, it's not pleasant, but but you can work.","start":518.80005,"end":522.82,"sentiment":"neutral","sentiment_score":-0.1464075984226333},{"text":"Okay.","start":524.4,"end":524.9,"sentiment":"neutral","sentiment_score":0.013236721977591516},{"text":"Otherwise, any changes to your health otherwise?","start":525.84,"end":528.9,"sentiment":"neutral","sentiment_score":-0.03573007429284709}],"sentiment":"neutral","sentiment_score":-0.05239157415926456,"num_words":30,"start":514.40497,"end":528.9},{"sentences":[{"text":"No.","start":533.97504,"end":534.47504,"sentiment":"neutral","sentiment_score":-0.2237846702337265},{"text":"No.","start":535.41504,"end":535.815,"sentiment":"neutral","sentiment_score":-0.1625324785709381},{"text":"That's that's good.","start":535.815,"end":536.955,"sentiment":"neutral","sentiment_score":0.0034803117935856185},{"text":"And do you have private health 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people, the only reason they have it is to not pay additional tax.","start":660.41003,"end":666.67004,"sentiment":"neutral","sentiment_score":0.22024226002395153},{"text":"Just for your reference, if in a single threshold, if your income for this financial year exceeds a 101,000, you will have to if your income is under a 101,000, you don't have to pay any additional tax.","start":667.265,"end":686.55,"sentiment":"neutral","sentiment_score":0.15098187307778158},{"text":"If it's over a $101,101,000, you have to pay 1%.","start":686.93,"end":693.19,"sentiment":"neutral","sentiment_score":0.1390315294265747}],"sentiment":"neutral","sentiment_score":0.19639267942069896,"num_words":112,"start":647.405,"end":693.19},{"sentences":[{"text":"Over 118 is 1.25, and then a 150 8,000 and more is 1.5.","start":694.095,"end":700.995,"sentiment":"neutral","sentiment_score":0.06295405127681218},{"text":"So if it does get through that point, like, if you do go above a 101,000, sometimes it's worth just 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actually paying for private health anyway.","start":775.38,"end":786.71497,"sentiment":"neutral","sentiment_score":0.297062696578602},{"text":"So just something to consider if you do exceed 101,000.","start":787.095,"end":791.755,"sentiment":"neutral","sentiment_score":0.12062201797962188},{"text":"If you're ever unsure and your income does increase, you can always just call me, and I can just kind of run it through with you as well.","start":792.42,"end":799.96,"sentiment":"neutral","sentiment_score":0.11103062903774637},{"text":"But, yeah, just something in the future to be mindful of if your income does 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to?","start":822.94,"end":828.16003,"sentiment":"neutral","sentiment_score":0.13752609938383104}],"sentiment":"neutral","sentiment_score":0.14713116313488978,"num_words":53,"start":807.395,"end":828.16003},{"sentences":[{"text":"Yep.","start":834.635,"end":835.035,"sentiment":"neutral","sentiment_score":0.1765104979276657},{"text":"Okay.","start":835.035,"end":835.515,"sentiment":"neutral","sentiment_score":0.31330257654190063},{"text":"Perfect.","start":835.515,"end":836.015,"sentiment":"positive","sentiment_score":0.469768762588501},{"text":"Now because she is your spouse, if anything were to happen, it will be tax free to her.","start":836.715,"end":842.815,"sentiment":"positive","sentiment_score":0.353842642572191},{"text":"Now because it is making a legal nomination, It is a form I will have to send to you.","start":843.035,"end":851.53,"sentiment":"neutral","sentiment_score":0.11553029402306206}],"sentiment":"neutral","sentiment_score":0.23809562474489213,"num_words":40,"start":834.635,"end":851.53},{"sentences":[{"text":"You would have to get a witness and website, send it back to me, and then I can get that uploaded and sorted for you.","start":851.53,"end":859.45,"sentiment":"neutral","sentiment_score":0.16920013934373856},{"text":"It is important when you have a moment just so there's if there's ever a conflict or other people trying to make a claim for anything, we obviously wanna make sure that's not the case.","start":859.45,"end":870.625,"sentiment":"neutral","sentiment_score":-0.06101521764482771},{"text":"Yep.","start":876.86005,"end":877.36005,"sentiment":"neutral","sentiment_score":-0.10481642186641692},{"text":"Yep.","start":878.06,"end":878.56,"sentiment":"neutral","sentiment_score":-0.07429653406143188},{"text":"Yeah.","start":884.7,"end":885.2,"sentiment":"neutral","sentiment_score":-0.07608886063098907}],"sentiment":"neutral","sentiment_score":0.02919474681691518,"num_words":63,"start":851.53,"end":885.2},{"sentences":[{"text":"Yeah.","start":886.62006,"end":886.78,"sentiment":"neutral","sentiment_score":-0.02422308176755905},{"text":"That's good.","start":886.78,"end":887.60004,"sentiment":"neutral","sentiment_score":0.021865656599402435},{"text":"Yeah.","start":888.22003,"end":888.72003,"sentiment":"neutral","sentiment_score":-0.0702897310256958},{"text":"Okay.","start":889.275,"end":889.755,"sentiment":"neutral","sentiment_score":-0.022629788145422935},{"text":"Yeah.","start":889.755,"end":890.255,"sentiment":"neutral","sentiment_score":-0.004915208555757999}],"sentiment":"neutral","sentiment_score":-0.01305441604927182,"num_words":6,"start":886.62006,"end":890.255},{"sentences":[{"text":"Yep.","start":894.075,"end":894.575,"sentiment":"neutral","sentiment_score":-0.06945300847291946},{"text":"Okay.","start":896.875,"end":897.375,"sentiment":"neutral","sentiment_score":-0.045990973711013794},{"text":"Perfect.","start":898.55505,"end":899.03503,"sentiment":"positive","sentiment_score":0.46222350001335144},{"text":"Because sometimes we change the issues with previous partners and stuff like that as well.","start":899.03503,"end":903.69,"sentiment":"neutral","sentiment_score":0.1326517753303051},{"text":"So always good to have in place if something were to happen, but it's good that there's not really anyone that would do that.","start":904.70996,"end":911.85,"sentiment":"neutral","sentiment_score":0.08260295493528247}],"sentiment":"neutral","sentiment_score":0.10283397776739937,"num_words":42,"start":894.075,"end":911.85},{"sentences":[{"text":"No.","start":913.75,"end":914.25,"sentiment":"neutral","sentiment_score":-0.12670786678791046},{"text":"All good.","start":916.02496,"end":916.765,"sentiment":"neutral","sentiment_score":-0.10251004993915558},{"text":"Yeah.","start":918.185,"end":918.505,"sentiment":"neutral","sentiment_score":0.01111053116619587},{"text":"No.","start":918.505,"end":918.825,"sentiment":"neutral","sentiment_score":0.022523563355207443},{"text":"That that's very good.","start":918.825,"end":920.045,"sentiment":"neutral","sentiment_score":0.29961100220680237}],"sentiment":"neutral","sentiment_score":0.10003890407582124,"num_words":9,"start":913.75,"end":920.045},{"sentences":[{"text":"And now, Cody, do you have access to a printer, or do you prefer these forms to be posted to you just because they have to be web signed?","start":920.665,"end":927.725,"sentiment":"neutral","sentiment_score":0.07025055638675032},{"text":"Okay.","start":930.74,"end":931.06,"sentiment":"neutral","sentiment_score":0.16035205125808716},{"text":"Perfect.","start":931.06,"end":931.54,"sentiment":"neutral","sentiment_score":0.3149109482765198},{"text":"So if you don't mind, I will get then the team to email you those forms.","start":931.54,"end":934.9,"sentiment":"neutral","sentiment_score":0.2798873707652092},{"text":"That way, you do have it in your inbox as well.","start":934.9,"end":937.4,"sentiment":"positive","sentiment_score":0.3440478498285467}],"sentiment":"neutral","sentiment_score":0.18578023129496082,"num_words":58,"start":920.665,"end":937.4},{"sentences":[{"text":"When you have a moment, obviously, print it out, complete it, send it back, and we will get that sorted for you.","start":938.5,"end":943.88,"sentiment":"neutral","sentiment_score":0.2508018849925561},{"text":"Yep.","start":945.28503,"end":945.765,"sentiment":"neutral","sentiment_score":0.22585009038448337},{"text":"Perfect.","start":945.765,"end":946.265,"sentiment":"positive","sentiment_score":0.3717321157455444},{"text":"Otherwise, I guess, when it come comes to goals, stuff that you are working towards, you obviously have a bit going on work wise.","start":946.805,"end":954.10504,"sentiment":"neutral","sentiment_score":0.1571346139535308},{"text":"But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment?","start":955.365,"end":966.9,"sentiment":"neutral","sentiment_score":0.021328152855858207}],"sentiment":"neutral","sentiment_score":0.12683652278168925,"num_words":84,"start":938.5,"end":966.9},{"sentences":[{"text":"Yes.","start":969.795,"end":970.295,"sentiment":"neutral","sentiment_score":0.01829783245921135},{"text":"Yeah.","start":976.995,"end":977.495,"sentiment":"neutral","sentiment_score":-0.061635661870241165},{"text":"And is it still con yep.","start":977.715,"end":980.295,"sentiment":"neutral","sentiment_score":-0.09144303823510806},{"text":"No.","start":981.315,"end":981.555,"sentiment":"neutral","sentiment_score":-0.12147729098796844},{"text":"You get you you go.","start":981.555,"end":982.935,"sentiment":"neutral","sentiment_score":-0.1022431120276451}],"sentiment":"neutral","sentiment_score":-0.08747777928199087,"num_words":14,"start":969.795,"end":982.935},{"sentences":[{"text":"Yep.","start":993.0,"end":993.5,"sentiment":"neutral","sentiment_score":-0.018657345324754715},{"text":"Yep.","start":994.12,"end":994.62,"sentiment":"neutral","sentiment_score":0.07719460874795914},{"text":"Perfect.","start":994.76,"end":995.26,"sentiment":"neutral","sentiment_score":0.27727818489074707},{"text":"And I have here as well, I guess, more medium to long term.","start":996.04004,"end":999.58,"sentiment":"neutral","sentiment_score":0.12666980807597822},{"text":"The goal is to buy a property.","start":1000.175,"end":1002.195,"sentiment":"neutral","sentiment_score":0.16546638097081864}],"sentiment":"neutral","sentiment_score":0.1365559834824956,"num_words":23,"start":993.0,"end":1002.195},{"sentences":[{"text":"Is that still kind of something that you are wanting to do down the track?","start":1002.575,"end":1006.435,"sentiment":"neutral","sentiment_score":0.15624383240938186},{"text":"Yep.","start":1016.43,"end":1016.83,"sentiment":"neutral","sentiment_score":-0.08516063541173935},{"text":"Okay.","start":1016.83,"end":1017.33,"sentiment":"neutral","sentiment_score":-0.03146200627088547},{"text":"Yep.","start":1017.95,"end":1018.45,"sentiment":"neutral","sentiment_score":0.03764514625072479},{"text":"More more long term.","start":1018.59,"end":1019.81,"sentiment":"neutral","sentiment_score":0.009052208624780178}],"sentiment":"neutral","sentiment_score":0.1045858556912704,"num_words":22,"start":1002.575,"end":1019.81},{"sentences":[{"text":"Yes.","start":1021.79,"end":1022.27,"sentiment":"neutral","sentiment_score":0.16978487372398376},{"text":"No.","start":1022.27,"end":1022.43,"sentiment":"neutral","sentiment_score":0.1221088171005249},{"text":"That's all good.","start":1022.43,"end":1023.73,"sentiment":"positive","sentiment_score":0.5131154358386993},{"text":"Perfect.","start":1025.2251,"end":1025.7251,"sentiment":"positive","sentiment_score":0.7171403169631958},{"text":"And when it comes to superannuation as well, we currently have you invested in a growth portfolio sorry, in a high growth portfolio.","start":1026.025,"end":1034.4451,"sentiment":"neutral","sentiment_score":0.1277436236648456}],"sentiment":"neutral","sentiment_score":0.18918909171018108,"num_words":29,"start":1021.79,"end":1034.4451},{"sentences":[{"text":"And I know last time, we kind of went through a couple of questions to see how your risks and and everything was, how you felt about everything.","start":1035.8651,"end":1043.26,"sentiment":"neutral","sentiment_score":-0.025926757736929824},{"text":"Has any of that changed for you, or are you still kind of comfortable with the same level of risk and position for your superannuation?","start":1043.64,"end":1052.86,"sentiment":"neutral","sentiment_score":-0.022767025977373123},{"text":"Yep.","start":1053.745,"end":1054.245,"sentiment":"neutral","sentiment_score":0.020175494253635406},{"text":"No.","start":1065.505,"end":1065.745,"sentiment":"neutral","sentiment_score":-0.09598875045776369},{"text":"The last, yeah.","start":1065.745,"end":1067.4,"sentiment":"neutral","sentiment_score":-0.061418142169713974}],"sentiment":"neutral","sentiment_score":-0.026813664634166092,"num_words":58,"start":1035.8651,"end":1067.4},{"sentences":[{"text":"The last twelve months have been, obviously, a bit up and down, which which you obviously can expect throughout time as well.","start":1067.4,"end":1076.14,"sentiment":"neutral","sentiment_score":-0.13341063718226823},{"text":"Obviously, these last twelve months, there's been quite a bit.","start":1076.28,"end":1079.24,"sentiment":"neutral","sentiment_score":-0.09042161069810391},{"text":"Obviously, you had everything in The US happening and then the war and stuff like that.","start":1079.24,"end":1083.595,"sentiment":"neutral","sentiment_score":-0.10455599846318364},{"text":"So we obviously have seen fluctuations.","start":1083.595,"end":1085.295,"sentiment":"neutral","sentiment_score":-0.09653065477808316},{"text":"But with our high growth portfolio, for your age where things are at, I would say high growth is a good position as long as you are comfortable with it.","start":1086.635,"end":1096.59,"sentiment":"neutral","sentiment_score":0.16125112393250068}],"sentiment":"neutral","sentiment_score":-0.014926146560659012,"num_words":84,"start":1067.4,"end":1096.59},{"sentences":[{"text":"Because if we are looking at because you're you're super positioned from a long term position.","start":1096.6699,"end":1100.9299,"sentiment":"neutral","sentiment_score":0.12543554976582527},{"text":"Now throughout time as well, you will have ups and downs and market fluctuations in the short term.","start":1102.59,"end":1108.21,"sentiment":"neutral","sentiment_score":-0.09307735371920797},{"text":"So at the same time, while the prices and everything is down a little bit, if you are selling out now, you are then also selling when some of it is down.","start":1108.51,"end":1116.555,"sentiment":"neutral","sentiment_score":-0.11896970798261464},{"text":"Yes.","start":1117.015,"end":1117.3351,"sentiment":"neutral","sentiment_score":0.04796940088272095},{"text":"You can also buy when it's down, but a lot of the investments are positioned, obviously, more from a long term position.","start":1117.3351,"end":1123.755,"sentiment":"neutral","sentiment_score":0.06185715995591388}],"sentiment":"neutral","sentiment_score":-0.02322053153059979,"num_words":89,"start":1096.6699,"end":1123.755},{"sentences":[{"text":"And in a high growth portfolio as well, we do typically say eight years until retirement and a minimum to make sure you have enough time because during those eight years, you will have potentially one or two years where it might be down, and then the rest will be a lot better.","start":1124.52,"end":1140.465,"sentiment":"neutral","sentiment_score":0.036667150990018306},{"text":"So it's not what we're seeing unusual in the market as a whole if we're looking historically and stuff, especially in a high growth portfolio.","start":1140.7649,"end":1149.745,"sentiment":"neutral","sentiment_score":-0.036224289536476134},{"text":"So I wouldn't be too concerned if I were you where you are at the moment given your age.","start":1150.365,"end":1157.33,"sentiment":"neutral","sentiment_score":-0.0031317443047699177},{"text":"But at the same time, it's also what you're comfortable with.","start":1157.39,"end":1159.87,"sentiment":"neutral","sentiment_score":0.07582127573815259},{"text":"Because if you did see your like, your super drop a little bit in the short term, obviously, and that would kind of freak you up quite a bit, then we might wanna look at making changes.","start":1159.87,"end":1170.605,"sentiment":"neutral","sentiment_score":-0.16548399838644104}],"sentiment":"neutral","sentiment_score":-0.029728450240760013,"num_words":145,"start":1124.52,"end":1170.605},{"sentences":[{"text":"But if you're comfortable okay.","start":1171.465,"end":1174.4451,"sentiment":"neutral","sentiment_score":-0.22507478520274163},{"text":"Perfect.","start":1174.985,"end":1175.485,"sentiment":"neutral","sentiment_score":0.07155249267816544},{"text":"Yes.","start":1176.665,"end":1177.165,"sentiment":"neutral","sentiment_score":0.20490819215774536},{"text":"Okay.","start":1177.225,"end":1177.545,"sentiment":"neutral","sentiment_score":0.21550971269607544},{"text":"Yeah.","start":1177.545,"end":1177.865,"sentiment":"neutral","sentiment_score":0.29981356859207153}],"sentiment":"neutral","sentiment_score":-0.03706555109885004,"num_words":9,"start":1171.465,"end":1177.865},{"sentences":[{"text":"Perfect.","start":1177.865,"end":1178.345,"sentiment":"positive","sentiment_score":0.4252413809299469},{"text":"Well, yeah, otherwise, it is most clients that we do see in in your position as well.","start":1178.345,"end":1183.49,"sentiment":"neutral","sentiment_score":0.23728291164426243},{"text":"So in your age, we do see in a high growth at least.","start":1183.95,"end":1187.25,"sentiment":"neutral","sentiment_score":0.21274773203409636},{"text":"So you are definitely well positioned from that.","start":1187.39,"end":1190.6901,"sentiment":"positive","sentiment_score":0.38331938348710537},{"text":"I'm kind of talking about your portfolio and stuff like that as well.","start":1191.63,"end":1195.445,"sentiment":"neutral","sentiment_score":0.12347232779631248}],"sentiment":"neutral","sentiment_score":0.22877820624181858,"num_words":52,"start":1177.865,"end":1195.445},{"sentences":[{"text":"Do you have access to your emails at the moment or not really right now if you're a bit busy?","start":1195.445,"end":1200.265,"sentiment":"neutral","sentiment_score":0.015439142775721847},{"text":"So I have send you ultimately, it's up to you.","start":1208.66,"end":1210.82,"sentiment":"neutral","sentiment_score":0.1012196734547615},{"text":"I have send you an email with some documents to go through.","start":1210.82,"end":1213.5599,"sentiment":"neutral","sentiment_score":0.11306689182917277},{"text":"Most people are happy to get that up on the phone and at it because afterwards, it's still saved to your folder if you do wanna go and have a look at it.","start":1214.34,"end":1222.135,"sentiment":"neutral","sentiment_score":0.27259638544284936},{"text":"But if you feel like you would like to access it on a computer or something later, I can always just run through the document.","start":1222.355,"end":1228.515,"sentiment":"neutral","sentiment_score":0.14428823977708816}],"sentiment":"neutral","sentiment_score":0.15280669006053357,"num_words":100,"start":1195.445,"end":1228.515},{"sentences":[{"text":"And then when you have a bit more time later, you can also access this.","start":1228.515,"end":1232.1901,"sentiment":"neutral","sentiment_score":0.14988162741065025},{"text":"And if you don't have any questions, you can let me know.","start":1232.1901,"end":1234.27,"sentiment":"neutral","sentiment_score":0.15260095770160356},{"text":"So it is up to you.","start":1234.27,"end":1235.5701,"sentiment":"neutral","sentiment_score":0.19181852291027704},{"text":"Yep.","start":1238.67,"end":1239.17,"sentiment":"neutral","sentiment_score":0.16013959050178528},{"text":"Sorry.","start":1242.9249,"end":1243.245,"sentiment":"neutral","sentiment_score":-0.07178045064210892}],"sentiment":"neutral","sentiment_score":0.15196303374000958,"num_words":35,"start":1228.515,"end":1243.245},{"sentences":[{"text":"Before so we have recently changed the the software, so it might look a little bit different to the last annual review.","start":1243.245,"end":1248.5249,"sentiment":"neutral","sentiment_score":-0.05447348596697504},{"text":"But, essentially, in the email, before you click on the link where it says sign now, at the bottom of the email, can you see a couple of attachments?","start":1248.5249,"end":1257.0249,"sentiment":"neutral","sentiment_score":0.02076014863519833},{"text":"Yep.","start":1258.49,"end":1258.89,"sentiment":"neutral","sentiment_score":0.13229447603225708},{"text":"Perfect.","start":1258.89,"end":1259.39,"sentiment":"positive","sentiment_score":0.3780149221420288},{"text":"Now I won't get you because they're a bit larger files that are open on the mobile, but the the first two or the bottom two where it says OTP services guide and OTP financial services guide.","start":1259.69,"end":1270.4099,"sentiment":"neutral","sentiment_score":-0.08264201496903961}],"sentiment":"neutral","sentiment_score":-0.03493130596147643,"num_words":90,"start":1243.245,"end":1270.4099},{"sentences":[{"text":"Can you see those?","start":1270.4099,"end":1271.5499,"sentiment":"neutral","sentiment_score":-0.018146993359550834},{"text":"Yep.","start":1271.85,"end":1272.35,"sentiment":"neutral","sentiment_score":-0.007650633342564106},{"text":"So the, yeah, so they're a little bit larger files.","start":1272.4099,"end":1275.3451,"sentiment":"neutral","sentiment_score":-0.15856527388095856},{"text":"We have gone through this before.","start":1275.3451,"end":1276.9651,"sentiment":"neutral","sentiment_score":-0.1326301544904709},{"text":"It is one of those compliance documents.","start":1277.5851,"end":1279.925,"sentiment":"neutral","sentiment_score":-0.10301727375813893}],"sentiment":"neutral","sentiment_score":-0.11367118531571967,"num_words":28,"start":1270.4099,"end":1279.925},{"sentences":[{"text":"It's basically everything that you need to know about us.","start":1279.9851,"end":1282.885,"sentiment":"neutral","sentiment_score":-0.06860389783978463},{"text":"So all the important information is in there.","start":1282.9451,"end":1285.185,"sentiment":"neutral","sentiment_score":0.003093504812568426},{"text":"The team director of advisers, it's very similar to what we went through last year.","start":1285.185,"end":1289.8301,"sentiment":"neutral","sentiment_score":-0.008954736838738124},{"text":"We've had a bit of change to marketing.","start":1289.8301,"end":1291.61,"sentiment":"neutral","sentiment_score":-0.08202290814369917},{"text":"So if if you do go and have a look at it, you will see we've had some updated photos and marketing, which is good, and also a bit of an extension to the team.","start":1291.67,"end":1299.6901,"sentiment":"neutral","sentiment_score":0.23887440987995692}],"sentiment":"neutral","sentiment_score":0.0909053827390859,"num_words":76,"start":1279.9851,"end":1299.6901},{"sentences":[{"text":"But, otherwise, I'll get you to have a read of those because none of the important information has changed.","start":1300.285,"end":1304.9451,"sentiment":"neutral","sentiment_score":-0.05551787361649698},{"text":"Now you also have a super summary report.","start":1306.205,"end":1309.585,"sentiment":"neutral","sentiment_score":0.123435253277421},{"text":"Can you open that for me if it works?","start":1309.725,"end":1313.185,"sentiment":"neutral","sentiment_score":0.11896252301004198},{"text":"Yep.","start":1314.6599,"end":1315.0599,"sentiment":"neutral","sentiment_score":0.02844502031803131},{"text":"So you yes.","start":1315.0599,"end":1317.1399,"sentiment":"neutral","sentiment_score":0.0354139960060517}],"sentiment":"neutral","sentiment_score":0.028449803573312237,"num_words":40,"start":1300.285,"end":1317.1399},{"sentences":[{"text":"Correct.","start":1317.1399,"end":1317.6399,"sentiment":"neutral","sentiment_score":0.08493058383464813},{"text":"So at the moment, you obviously have your superannuation in Hub 24, and you do have about $42,832 in there.","start":1317.86,"end":1326.84,"sentiment":"neutral","sentiment_score":0.026908842381089926},{"text":"And you don't have any insurances at the moment.","start":1327.045,"end":1330.185,"sentiment":"neutral","sentiment_score":-0.10612038771311443},{"text":"Are you still obviously comfortable without insurances?","start":1330.325,"end":1332.905,"sentiment":"neutral","sentiment_score":-0.25615998251097544},{"text":"Yeah.","start":1334.645,"end":1335.125,"sentiment":"neutral","sentiment_score":0.1271602362394333}],"sentiment":"neutral","sentiment_score":-0.05257725524470994,"num_words":38,"start":1317.1399,"end":1335.125},{"sentences":[{"text":"Perfect.","start":1335.125,"end":1335.625,"sentiment":"neutral","sentiment_score":0.008347206749022007},{"text":"Now the other one is your twelve month HAP 24 IRR, if you can see that one.","start":1336.165,"end":1344.08,"sentiment":"neutral","sentiment_score":0.05308439955115318},{"text":"Now it might be a little bit small on the phone for you.","start":1346.22,"end":1349.52,"sentiment":"neutral","sentiment_score":0.019984854027055778},{"text":"Yep.","start":1351.82,"end":1352.32,"sentiment":"neutral","sentiment_score":0.09806879609823228},{"text":"Let me know if that works for you.","start":1357.3451,"end":1359.2051,"sentiment":"neutral","sentiment_score":0.14316541980952024}],"sentiment":"neutral","sentiment_score":0.06034943140111863,"num_words":40,"start":1335.125,"end":1359.2051},{"sentences":[{"text":"Yep.","start":1359.265,"end":1359.765,"sentiment":"neutral","sentiment_score":0.08722617477178574},{"text":"So it might look a little bit messy, but it gives you a portfolio performance report over the last twelve months.","start":1359.985,"end":1366.68,"sentiment":"neutral","sentiment_score":0.09337934186416012},{"text":"Now we've already touched on it already, but, obviously, the market in the last twelve months has been very up and down, and your portfolio is positioned for the long term.","start":1367.16,"end":1377.4,"sentiment":"neutral","sentiment_score":0.07377863194673293},{"text":"But in the good in a positive way, though, that this despite, obviously, a lot of things have been quite down at the moment and a lot of fluctuation, in the last twelve months, after fees, your portfolio is still up.","start":1377.4,"end":1389.415,"sentiment":"neutral","sentiment_score":0.04519453672010724},{"text":"So it's definitely not down.","start":1389.415,"end":1391.035,"sentiment":"neutral","sentiment_score":-0.014338798075914382}],"sentiment":"neutral","sentiment_score":0.06178395918598681,"num_words":99,"start":1359.265,"end":1391.035},{"sentences":[{"text":"Now it's up about 4.52%.","start":1391.415,"end":1394.395,"sentiment":"neutral","sentiment_score":0.22445854544639587},{"text":"So, obviously, we would like to see that increase, but in kind of looking at the portfolio this year, the the key theme is that your your position is growing, and it is working as intended.","start":1394.615,"end":1408.24,"sentiment":"positive","sentiment_score":0.36708081968956524},{"text":"Now when we do look at the individual investments, a lot of the the bigger growth is coming from your core global and thematic exposures.","start":1409.325,"end":1418.5449,"sentiment":"neutral","sentiment_score":0.1477572962641716},{"text":"But you can see that, for example, The US exposure through the S and P 500 have kind of stood out to us again and delivered a good solid double digit growth, which is good.","start":1419.245,"end":1431.3301,"sentiment":"positive","sentiment_score":0.45659798000540053},{"text":"And we've also seen pretty good performance from some of the other factors and the alternative exposures like your Rafi Australian strategy.","start":1431.55,"end":1439.2051,"sentiment":"positive","sentiment_score":0.3919164849953218}],"sentiment":"positive","sentiment_score":0.3466197285589164,"num_words":123,"start":1391.415,"end":1439.2051},{"sentences":[{"text":"Gold have also done really well, and that's kind of helped build the portfolio.","start":1439.345,"end":1444.0851,"sentiment":"positive","sentiment_score":0.5272851841790336},{"text":"Now at the same time, there are few areas that kind of have lagged a little bit, and some of these are your cyclical and emerging markets, which is not out of the norm because they are kind of positioned as well in different segments throughout the high growth portfolio.","start":1444.865,"end":1461.68,"sentiment":"neutral","sentiment_score":0.010745041128247977},{"text":"So at different points in time, depending on what is going on in the market, there's obviously some that's going to grow a little bit more and some that's not and kind of negating each other.","start":1461.74,"end":1471.015,"sentiment":"neutral","sentiment_score":-0.06674708539827003},{"text":"But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed.","start":1471.875,"end":1492.01,"sentiment":"neutral","sentiment_score":0.0915869701653719},{"text":"So we've got a lot of research at the moment and the investment committee as well on one of the investments in your portfolio, which is your Benelung Australian equity.","start":1492.735,"end":1501.875,"sentiment":"neutral","sentiment_score":0.12984648905694485}],"sentiment":"neutral","sentiment_score":0.07810285184532403,"num_words":185,"start":1439.345,"end":1501.875},{"sentences":[{"text":"So I'm not sure if you're too familiar with that investment, but that is one of your managed funds.","start":1503.135,"end":1508.2749,"sentiment":"neutral","sentiment_score":0.059890821183982645},{"text":"And the purpose to find that is to actively buy and sell different investments in order to try to outperform the market.","start":1508.55,"end":1515.05,"sentiment":"neutral","sentiment_score":0.11710927093570883},{"text":"And more recently, they have underperformed a little bit, and they have a little bit been a little bit slower with making decisions.","start":1516.2301,"end":1523.53,"sentiment":"neutral","sentiment_score":-0.1282302920261155},{"text":"So we've done a lot of research on it, and it is one that we would like to change.","start":1523.945,"end":1529.565,"sentiment":"neutral","sentiment_score":-0.055110275745391846},{"text":"So if you are happy to do so, we have done obviously, a lot of comparisons because if we're swapping one Australian equity component, we obviously wanna replace it with another Australian investment to still give you that diversification.","start":1529.705,"end":1542.37,"sentiment":"neutral","sentiment_score":0.06508949599587001}],"sentiment":"neutral","sentiment_score":0.01849531107505814,"num_words":122,"start":1503.135,"end":1542.37},{"sentences":[{"text":"But we're trying to look for something that's potentially a little bit cheaper, but also kind of improve those returns for you moving forward by still giving you diversification.","start":1543.5499,"end":1551.89,"sentiment":"neutral","sentiment_score":0.24372559772997066},{"text":"So we have found another one, which is the BetaShares two hundred Australia.","start":1553.305,"end":1560.125,"sentiment":"neutral","sentiment_score":0.1802850766823842},{"text":"It's a bit cheaper than your Benelon because it doesn't have the same active component, but also kind of a bit more steady.","start":1561.545,"end":1568.12,"sentiment":"neutral","sentiment_score":0.2489720906900323},{"text":"So you don't have the same kind of volatility as the Venelon investment and have performed a little bit better.","start":1568.12,"end":1573.66,"sentiment":"neutral","sentiment_score":0.20348836109042168},{"text":"But it still gives you exposures to the 200 largest companies listed in Australia.","start":1574.28,"end":1578.52,"sentiment":"positive","sentiment_score":0.4186008466141565}],"sentiment":"neutral","sentiment_score":0.25321500496280314,"num_words":99,"start":1543.5499,"end":1578.52},{"sentences":[{"text":"So it still gives you really good diversification.","start":1578.52,"end":1580.54,"sentiment":"positive","sentiment_score":0.5203150063753128},{"text":"So if you are happy with that, I will draw up a record of advice for you to just outline that we will go ahead and make the change just swapping your BIN along for the a 200 if that is something that you are happy with.","start":1581.815,"end":1598.37,"sentiment":"positive","sentiment_score":0.34735345428294323},{"text":"Yes.","start":1600.3501,"end":1600.75,"sentiment":"neutral","sentiment_score":0.30187827348709106},{"text":"Okay.","start":1600.75,"end":1601.0701,"sentiment":"positive","sentiment_score":0.384733110666275},{"text":"Perfect.","start":1601.0701,"end":1601.5701,"sentiment":"neutral","sentiment_score":0.21644346415996552}],"sentiment":"positive","sentiment_score":0.36881357328645115,"num_words":58,"start":1578.52,"end":1601.5701},{"sentences":[{"text":"Now you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done.","start":1601.7101,"end":1611.495,"sentiment":"neutral","sentiment_score":0.174257122199325},{"text":"And the good thing as well, because the Benelon is down a little bit, there won't be any capital gains tax with making the change, which is good.","start":1611.7949,"end":1619.0149,"sentiment":"positive","sentiment_score":0.49625222917113987},{"text":"Yeah.","start":1620.54,"end":1620.78,"sentiment":"positive","sentiment_score":0.5357428789138794},{"text":"Perfect.","start":1620.78,"end":1621.28,"sentiment":"positive","sentiment_score":0.6548287868499756},{"text":"So just kind of keep a lookout for that email.","start":1621.42,"end":1623.5,"sentiment":"positive","sentiment_score":0.38597587049007415}],"sentiment":"positive","sentiment_score":0.33608290462477786,"num_words":74,"start":1601.7101,"end":1623.5},{"sentences":[{"text":"Now it might be sometime next week that it comes through.","start":1623.5,"end":1626.9601,"sentiment":"neutral","sentiment_score":0.2528048929843036},{"text":"But, yeah, just just keep a lookout for that to come through, and we will get that sorted for you.","start":1627.1001,"end":1632.0,"sentiment":"neutral","sentiment_score":0.31338471099734305},{"text":"Any other questions so far?","start":1632.54,"end":1634.06,"sentiment":"neutral","sentiment_score":0.1496702402830124},{"text":"That's pretty straightforward.","start":1634.06,"end":1635.04,"sentiment":"neutral","sentiment_score":0.2714430292447408},{"text":"Mhmm.","start":1642.355,"end":1642.855,"sentiment":"neutral","sentiment_score":0.044365961104631424}],"sentiment":"neutral","sentiment_score":0.2663898573257029,"num_words":40,"start":1623.5,"end":1642.855},{"sentences":[{"text":"Mhmm.","start":1644.8351,"end":1645.3351,"sentiment":"neutral","sentiment_score":0.07525229454040527},{"text":"Yes.","start":1649.81,"end":1650.31,"sentiment":"positive","sentiment_score":0.4237998127937317},{"text":"Yes.","start":1654.2101,"end":1654.4501,"sentiment":"neutral","sentiment_score":0.09061472117900848},{"text":"Yes.","start":1654.4501,"end":1654.9501,"sentiment":"neutral","sentiment_score":0.07262684404850006},{"text":"Yep.","start":1692.6549,"end":1693.1549,"sentiment":"neutral","sentiment_score":0.04592033475637436}],"sentiment":"neutral","sentiment_score":0.14164280146360397,"num_words":5,"start":1644.8351,"end":1693.1549},{"sentences":[{"text":"Yes.","start":1697.39,"end":1697.89,"sentiment":"neutral","sentiment_score":0.09436149895191193},{"text":"Yes.","start":1698.91,"end":1699.41,"sentiment":"neutral","sentiment_score":0.0949794501066208},{"text":"Yep.","start":1715.645,"end":1716.045,"sentiment":"neutral","sentiment_score":0.3025166988372803},{"text":"And it definitely like, the gold and silver have been doing really well.","start":1716.045,"end":1720.605,"sentiment":"positive","sentiment_score":0.488539464198626},{"text":"If it is something that you want, we can do some more research on it and see how we can fit it into your portfolio.","start":1720.605,"end":1727.09,"sentiment":"neutral","sentiment_score":0.22191003918647767}],"sentiment":"neutral","sentiment_score":0.3022102844424364,"num_words":41,"start":1697.39,"end":1727.09},{"sentences":[{"text":"The only thing to be mindful of is because we obviously have have you in a high growth portfolio, which does mean that we have about 90% allocated to your growth investments for that long term position.","start":1727.55,"end":1737.65,"sentiment":"neutral","sentiment_score":0.10279228991350613},{"text":"The silver would more be classified towards your defensive investments, which is kind of like you touched on there a little bit more stable.","start":1738.255,"end":1745.155,"sentiment":"neutral","sentiment_score":0.0618020041535298},{"text":"And in a high growth portfolio, we have about 10% allocated to defensive investments.","start":1745.535,"end":1751.315,"sentiment":"neutral","sentiment_score":0.06892238424292632},{"text":"We already have gold and fixed interest as part of your portfolio.","start":1752.0,"end":1756.18,"sentiment":"neutral","sentiment_score":0.1591393289466699},{"text":"So if we swap out something for silver for you, it will mean we can try to change some of your defensive investment because you're already in a high growth.","start":1756.48,"end":1767.695,"sentiment":"neutral","sentiment_score":0.1376333976785342}],"sentiment":"neutral","sentiment_score":0.10504401780855961,"num_words":117,"start":1727.55,"end":1767.695},{"sentences":[{"text":"You don't have too many defenses.","start":1767.695,"end":1769.235,"sentiment":"neutral","sentiment_score":-0.030956168969472248},{"text":"So what it might mean is they will then potentially take some some of your growth investments and put it more into defensive, which might not align with your risk profile as much.","start":1769.615,"end":1778.515,"sentiment":"neutral","sentiment_score":-0.014533992856740953},{"text":"So it it's up to you if it is something because at the same time with the silver, as good as it has been, you're also things are quite high at the moment, so then you're also buying in while it's do you know?","start":1780.3999,"end":1793.76,"sentiment":"neutral","sentiment_score":0.059873150746253406},{"text":"So Not on top of my head.","start":1793.76,"end":1800.6151,"sentiment":"neutral","sentiment_score":-0.09942445105740003},{"text":"I don't.","start":1800.6151,"end":1801.435,"sentiment":"neutral","sentiment_score":-0.12154411524534225}],"sentiment":"neutral","sentiment_score":0.011195657248406307,"num_words":92,"start":1767.695,"end":1801.435},{"sentences":[{"text":"Let's see if I can find it.","start":1802.535,"end":1804.4751,"sentiment":"neutral","sentiment_score":0.012497738136776857},{"text":"Is it also the pants on The gold.","start":1804.775,"end":1819.25,"sentiment":"neutral","sentiment_score":-0.01434164575766772},{"text":"Yes.","start":1820.51,"end":1821.01,"sentiment":"neutral","sentiment_score":0.045785099267959595},{"text":"Exactly.","start":1822.35,"end":1822.85,"sentiment":"neutral","sentiment_score":0.07976632565259933},{"text":"Yeah.","start":1839.24,"end":1839.74,"sentiment":"neutral","sentiment_score":0.07186673581600189}],"sentiment":"neutral","sentiment_score":0.009453842312925391,"num_words":18,"start":1802.535,"end":1839.74},{"sentences":[{"text":"Yeah.","start":1846.6,"end":1847.1,"sentiment":"neutral","sentiment_score":0.07061415910720825},{"text":"I'll because I'll have to have a look at Inhub '24, which ones they have available for you.","start":1848.84,"end":1855.485,"sentiment":"neutral","sentiment_score":0.044091207078761525},{"text":"Now I know that they do have silver because we have that sometimes in some of the older client portfolio as well that has a bit more defensive.","start":1856.105,"end":1863.7849,"sentiment":"neutral","sentiment_score":0.05637811649856823},{"text":"So we have both gold and silver.","start":1863.7849,"end":1865.4049,"sentiment":"neutral","sentiment_score":0.05675176424639566},{"text":"And you have gold at the moment, but it is exactly like you said.","start":1865.9299,"end":1869.29,"sentiment":"neutral","sentiment_score":0.047698594097580226}],"sentiment":"neutral","sentiment_score":0.05158655611140763,"num_words":68,"start":1846.6,"end":1869.29},{"sentences":[{"text":"It is not obviously physical gold.","start":1869.29,"end":1871.39,"sentiment":"neutral","sentiment_score":-0.040049208949009575},{"text":"It's through, obviously, the exchange where it's held.","start":1871.77,"end":1874.75,"sentiment":"neutral","sentiment_score":0.006507607875391841},{"text":"So I know it's definitely available within Hub 24.","start":1875.9299,"end":1879.63,"sentiment":"neutral","sentiment_score":0.24964722163147396},{"text":"So if it is something that you want added to your portfolio, I can go and do some research and see if we can swap something else out or readjust the percentage.","start":1879.715,"end":1892.375,"sentiment":"neutral","sentiment_score":0.23665209859609604},{"text":"To still tryna keep you yeah.","start":1894.15,"end":1896.23,"sentiment":"positive","sentiment_score":0.5160967310269674}],"sentiment":"neutral","sentiment_score":0.20865636303654458,"num_words":61,"start":1869.29,"end":1896.23},{"sentences":[{"text":"So still tryna keep you in a high growth.","start":1896.23,"end":1898.41,"sentiment":"positive","sentiment_score":0.5443230966726939},{"text":"Now with that, obviously, if we are selling some investments, there will be potential capital gains tax with it as well.","start":1899.43,"end":1908.325,"sentiment":"neutral","sentiment_score":0.12256672357519467},{"text":"But I can go and do the research for you and see if we can incorporate it into your portfolio, but also what that's going to look like in terms of fees, returns, and stuff like that as an overall position.","start":1908.325,"end":1923.4,"sentiment":"neutral","sentiment_score":0.19308675970973038},{"text":"So I can most definitely have a look at that.","start":1923.78,"end":1927.16,"sentiment":"neutral","sentiment_score":0.15000681728124618},{"text":"Now it will take me about a week or so to put everything together.","start":1927.62,"end":1932.9651,"sentiment":"neutral","sentiment_score":0.04712096894426005}],"sentiment":"neutral","sentiment_score":0.1847276626448882,"num_words":95,"start":1896.23,"end":1932.9651},{"sentences":[{"text":"So when is a best time for you to kind of run through that research?","start":1933.745,"end":1939.525,"sentiment":"neutral","sentiment_score":0.06717671876152356},{"text":"Alright.","start":1945.52,"end":1945.92,"sentiment":"neutral","sentiment_score":0.08135272562503815},{"text":"Let me have a look at me.","start":1945.92,"end":1947.78,"sentiment":"neutral","sentiment_score":0.046397367758410316},{"text":"Okay.","start":1950.0,"end":1950.4801,"sentiment":"neutral","sentiment_score":0.18160828948020935},{"text":"Perfect.","start":1950.4801,"end":1950.88,"sentiment":"positive","sentiment_score":0.3428623676300049}],"sentiment":"neutral","sentiment_score":0.07753022953867912,"num_words":25,"start":1933.745,"end":1950.88},{"sentences":[{"text":"Let me see.","start":1950.88,"end":1951.6001,"sentiment":"neutral","sentiment_score":0.19418868919213614},{"text":"Next week is pretty full, but I do have one slot on Thursday, the seventh, at 11AM.","start":1951.6001,"end":1962.035,"sentiment":"neutral","sentiment_score":0.12076052102972479},{"text":"Would that work?","start":1962.255,"end":1963.235,"sentiment":"neutral","sentiment_score":0.14753525952498117},{"text":"Yeah?","start":1964.5751,"end":1965.055,"sentiment":"neutral","sentiment_score":0.1566291302442551},{"text":"Okay.","start":1965.055,"end":1965.375,"sentiment":"neutral","sentiment_score":0.246352419257164}],"sentiment":"neutral","sentiment_score":0.1392432901263237,"num_words":25,"start":1950.88,"end":1965.375},{"sentences":[{"text":"Perfect.","start":1965.375,"end":1965.875,"sentiment":"positive","sentiment_score":0.4583277106285095},{"text":"So I'll book you in on Thursday, May 7, at 11AM to have a look at the silver.","start":1966.415,"end":1973.27,"sentiment":"neutral","sentiment_score":0.28292348153061336},{"text":"And then also, because I'm re digging potentially the portfolio, I'll just incorporate the Bennelong switch into that same document so that you can you can see that if we do need to make changes.","start":1973.4099,"end":1988.9551,"sentiment":"neutral","sentiment_score":0.198505663978202},{"text":"Because I don't wanna make a straight a straight swap for Bedlam to 8 to a 100.","start":1988.9551,"end":1992.635,"sentiment":"neutral","sentiment_score":-0.10698293653481147},{"text":"If it is, then we have to take a little bit from that investment to make sure we can then add the silver.","start":1992.635,"end":1997.675,"sentiment":"neutral","sentiment_score":0.1012925372823425}],"sentiment":"neutral","sentiment_score":0.13840071333849685,"num_words":94,"start":1965.375,"end":1997.675},{"sentences":[{"text":"So I'll just incorporate all of that into the same one.","start":1997.675,"end":2000.975,"sentiment":"neutral","sentiment_score":0.22668842429464514},{"text":"Would you like a reminder text that's two hours before the appointment in case anything comes up for you?","start":2002.25,"end":2007.95,"sentiment":"neutral","sentiment_score":0.10732139882288481},{"text":"Yep.","start":2008.1699,"end":2008.6699,"sentiment":"positive","sentiment_score":0.465312659740448},{"text":"Perfect.","start":2009.69,"end":2010.19,"sentiment":"positive","sentiment_score":0.7192466855049133},{"text":"So that is all booked in for you.","start":2011.13,"end":2012.6499,"sentiment":"positive","sentiment_score":0.647742435336113}],"sentiment":"neutral","sentiment_score":0.27247945182025435,"num_words":40,"start":1997.675,"end":2012.6499},{"sentences":[{"text":"I'm more than happy to do that research and see if we can incorporate that into your portfolio even if it's just a little bit.","start":2012.6499,"end":2019.6951,"sentiment":"positive","sentiment_score":0.6502169382572174},{"text":"Have a bit of a look at it.","start":2020.0751,"end":2021.615,"sentiment":"neutral","sentiment_score":0.15999941620975733},{"text":"Otherwise, the last part of the annual review is when you do have a moment or if you're happy to do so now, when you click on the document where it says sign now, it will ask you to sign through documents.","start":2022.395,"end":2034.35,"sentiment":"neutral","sentiment_score":0.12966853380203247},{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain as a client.","start":2036.33,"end":2044.4299,"sentiment":"positive","sentiment_score":0.3550613063077132},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":2045.1749,"end":2049.675,"sentiment":"neutral","sentiment_score":0.050389440109332405}],"sentiment":"neutral","sentiment_score":0.2892580345809997,"num_words":111,"start":2012.6499,"end":2049.675},{"sentences":[{"text":"It stays exactly the same at that 1.65 from super.","start":2049.7349,"end":2053.915,"sentiment":"neutral","sentiment_score":0.26755006462335584},{"text":"No changes whatsoever in regards to that.","start":2054.4548,"end":2057.07,"sentiment":"neutral","sentiment_score":0.032983491995504925},{"text":"And after usual, there is no lock in contract.","start":2057.71,"end":2059.95,"sentiment":"neutral","sentiment_score":0.018845391356282763},{"text":"So if at any point in time you are not happy, there is no lock in contract or exit fees.","start":2059.95,"end":2064.85,"sentiment":"neutral","sentiment_score":0.012590151280164719},{"text":"But for the time being, this lets us keep your account active and manage and make all those changes for you.","start":2065.3901,"end":2071.425,"sentiment":"neutral","sentiment_score":0.29162342349688214}],"sentiment":"neutral","sentiment_score":0.14107296315591727,"num_words":67,"start":2049.7349,"end":2071.425},{"sentences":[{"text":"And then the last one is there should be a tax file number for myself.","start":2072.385,"end":2077.985,"sentiment":"neutral","sentiment_score":0.13697832822799683},{"text":"It's just a compliant document just to say that we are keeping your tax file number secure and safe on file.","start":2077.985,"end":2083.925,"sentiment":"neutral","sentiment_score":0.21562751772857847},{"text":"Yes.","start":2087.3699,"end":2087.69,"sentiment":"neutral","sentiment_score":0.08260389417409897},{"text":"So when you press the sign now, you should be able to add the signature for those two.","start":2087.69,"end":2092.67,"sentiment":"neutral","sentiment_score":0.10816630058818394},{"text":"And then Okay.","start":2093.45,"end":2100.7048,"sentiment":"neutral","sentiment_score":0.014401156455278397}],"sentiment":"neutral","sentiment_score":0.14923540637667837,"num_words":58,"start":2072.385,"end":2100.7048},{"sentences":[{"text":"The other one?","start":2101.005,"end":2101.805,"sentiment":"neutral","sentiment_score":-0.02802215702831745},{"text":"If it's just the one, that's that's fine.","start":2101.805,"end":2103.645,"sentiment":"neutral","sentiment_score":0.03324957983568311},{"text":"You may have signed the tax time number last time.","start":2103.645,"end":2106.145,"sentiment":"neutral","sentiment_score":0.04544330611824989},{"text":"So that's probably yeah.","start":2106.765,"end":2108.365,"sentiment":"neutral","sentiment_score":0.024386534234508872},{"text":"Okay.","start":2108.365,"end":2108.765,"sentiment":"positive","sentiment_score":0.395634651184082}],"sentiment":"neutral","sentiment_score":0.04344400065019727,"num_words":26,"start":2101.005,"end":2108.765},{"sentences":[{"text":"Perfect.","start":2108.765,"end":2109.265,"sentiment":"positive","sentiment_score":0.7251478433609009},{"text":"Yep.","start":2109.4849,"end":2109.9849,"sentiment":"positive","sentiment_score":0.3945295512676239},{"text":"Now I can see that that has come through on my end, which is great.","start":2111.2449,"end":2114.25,"sentiment":"positive","sentiment_score":0.7294439474741617},{"text":"So I will get the team to to upload that to Hub twenty four.","start":2114.33,"end":2118.03,"sentiment":"positive","sentiment_score":0.4195161248956408},{"text":"I will go and do the research on your investments.","start":2118.33,"end":2121.15,"sentiment":"positive","sentiment_score":0.3345247745513916}],"sentiment":"positive","sentiment_score":0.5190197585559473,"num_words":41,"start":2108.765,"end":2121.15},{"sentences":[{"text":"I'll give you a call on Thursday, the seventh, at 11AM, but I will also get the team to email you those beneficiary forms in the meantime so you can then have a look at those.","start":2121.93,"end":2132.345,"sentiment":"neutral","sentiment_score":0.2298759441408846},{"text":"But before I let you go, otherwise, do you have any other questions for me today?","start":2132.345,"end":2137.325,"sentiment":"neutral","sentiment_score":0.09333318122662604},{"text":"No?","start":2138.905,"end":2139.225,"sentiment":"neutral","sentiment_score":-0.05476107820868492},{"text":"Okay.","start":2139.225,"end":2139.705,"sentiment":"neutral","sentiment_score":0.23525819182395935},{"text":"Perfect.","start":2139.705,"end":2140.105,"sentiment":"positive","sentiment_score":0.6005890965461731}],"sentiment":"neutral","sentiment_score":0.19181729270653292,"num_words":55,"start":2121.93,"end":2140.105},{"sentences":[{"text":"Well, I will let you go and enjoy the rest of your afternoon, and I look forward to speaking with you on Thursday, the seventh.","start":2140.105,"end":2146.6501,"sentiment":"positive","sentiment_score":0.6451508247852326},{"text":"No problem.","start":2149.4302,"end":2149.99,"sentiment":"positive","sentiment_score":0.46178658306598663},{"text":"We'll speak soon.","start":2149.99,"end":2150.97,"sentiment":"positive","sentiment_score":0.3745546241601308},{"text":"Thanks.","start":2152.1501,"end":2152.6501,"sentiment":"positive","sentiment_score":0.670924186706543},{"text":"Bye.","start":2152.7102,"end":2153.2102,"sentiment":"neutral","sentiment_score":-0.11104899644851685}],"sentiment":"positive","sentiment_score":0.5854963390156627,"num_words":32,"start":2140.105,"end":2153.2102}]}}]},{"alternatives":[{"transcript":"Hello. Cody speaking. Yeah. Good. Thank you. How are you? Yeah. Yeah. That's all good. Yep. Yep. Cody William Delaney. Thirty zero eight ninety nine. And I think the address previously was 73 Waybaw Street, Sunshine, but I asked him to change it to 9 Bartlett Road, Newstville. So do we want those two? Yeah. Yeah. Not really. Just just to catch up and say how it's going. Yeah. No. Can I change that, please? Jessica Lacey. So Jessica Lacey, l e a c y. 0413 121 802. Let me just check that. Yeah. 041 312 1802. Yep. Yep. Yeah. No. I'm no longer there. I just work myself, so I just have I just contract to a few different companies. So my income is roughly the same. Sometimes it's more per week. Sometimes it's less, but it's I don't know if you wanted to average, like, $11.11 1,200 after tax, something like that. 1,000 to 1,200 after tax. Yeah. No. So I still work for do contracting for Raw. Not the same role, but just some some stuff for their learning management system and kind of back end back of house stuff. And then I also just work at my the old gin distillery. I used to work out before then. So I just worked for them three days a week because they're just short on staff. And I do some bit of marketing on the side and a little bit of consulting for my friend's catering company as well. Nice. Yeah. No. They they do pay contributions. I'm just I'll just have to confirm that the raw the the consulting for the LMS system because they've just got a few outstanding invoices that haven't been paid yet. So I'm not sure if that will contribute or not. It should be every week. Yeah. But this yeah. This contract, I only got time a couple of weeks ago, so that's why they haven't come through yet. Yeah. Yeah. Okay. So they yeah. They still contribute normally. And then yeah. Any other job that I'm doing, they'll contribute. Yeah. Yes. Maybe just make it 300 worth of hospitals. I've just had yeah. Quite a lot of heavy expenses happening. So it's not much savings thing going on, but it should be fine after this week. Yeah. It'd be a bit more owing. I don't know if there's a better vehicle on there. Okay. Probably just do just do the same 50, but it's about 50 owing because I sold that car and I got a different one. Yes. It's it's insured for a great value of CCS. Yeah. That's correct. No. No. Yeah. I mean yeah. I've been a bit stressful recently, so maybe a bit more than that, but it's not like yeah. I'm not a I'm not a heavy smoker. I'll put it that way. Yeah. The same. That'll never go away. It's yeah. It's chronic lower back pain, so and degenerative arthritis. Yeah. No. No. Because I've spent way too much time and time paying people to try and figure it out, and no one can give me an answer. So I'm just living with it because it just started to frustrate me too much. Yeah. Yeah. Yeah. Yeah. It's just it's annoying, but, yeah, it's fine. No. No. Not that I can think of. No. No. I don't. I got rid of it because it was a bit of a joke, to be honest. Yeah. I mean, honestly, I'd rather just put money away every week, you know, the equivalent of what the private health would be. Because when I did have private health, it's just a bit of a rort, to be honest. Like, you you don't get I didn't get any I didn't get anything extra. Like, for example, I went to the dentist with my my ex partner, and we have dental under our private health. I got a routine clean, which took about twelve minutes. She was in there for an hour and got a bunch of stuff done, and she didn't have to pay anything, and I had to pay a $180. So I just called him up that day and said, it's a joke. I don't want it anymore. Like, everything that you think or you would assume that private health would cover, they somehow get out of doing it. So, yeah, I'd rather just put money into an account for, you know, if something something like that happened because I just think it's I just think it's a rip off. Yeah. Got it. Okay. Yep. Okay. Yeah. Okay. Yeah. Yep. Yeah. But I won't go over it to this phone until you for sure. But if it, yeah, if it changes next year, because, yeah, I've got a few things kind of brewing, so we'll see how they turn out. But, yeah, if anything changes in the next financial year, obviously, I will consider that because, yeah, if I if I'm gonna pay less tax overall, then sure, I'll 100%. I don't have a problem, which if we, like, paying private health care for that reason. Yeah. I just won't hold my breath if I get injured because I'll probably somehow get out of paying for it. Yes. Yep. Okay. Yep. Okay. No problem. Mhmm. Yeah. Just my partner, Jeff. So the same the same contact as before. Okay. Yep. Yeah. No. I don't think that'll happen because I it's, like, in terms of family, it's just myself and my mom. And she's getting on, so, you know, I'd I'd hope I don't pass away before her. That's touch wood. But yeah. And I don't have any, like, siblings, aunties, uncles, cousins. Like, we're pretty private people. So they wouldn't they'd literally be no one else that could even try to contest that. Yeah. Yeah. No. There isn't. And my previous partner wouldn't wouldn't try it because he just wouldn't. Yeah. No. I've got access to a printout. Yep. Okay. No problem. Yep. Yeah. I guess so. Not really. Just just putting away as much money as possible because of the state of the world. So not making any sorry. Just not make yeah. Not making any decisions, not making any big purchases, nothing like that. Just kinda keeping under the radar and just trying to put put as much away as we can. Yeah. It definitely is, but it won't be before like, I wouldn't buy a house before 2032, probably, at this stage. Yeah. So that'll be, like, a long, long time. Yeah. Yep. Yep. Yep. Yeah. I am. I mean, the I mean, the markets and whatnot haven't been very good recently with all the stuff going on overseas. Yeah. Yeah. Yep. Yeah. What would you recommend? Yes. Yeah. Yeah. Yeah. Yes. Yeah. Okay. Yeah. Okay. No. No. I'm not that I'm not that short minded. I know it's a long term thing, so yeah. No. It's all good. Okay. Yep. Yep. I do, but it's only in my phone. So it just depends what needs to access. Okay. Yep. Yeah. That's alright. Well, I've got the email here. So, yeah, I can get it up. Which which one am I getting up? Yep. Yeah. Yep. Yep. Yeah. There's a problem. Yep. Yep. Okay. Yep. Yep. So the super only? Yep. Yep. None. Yep. That'll drive. Let me check for a moment. Yep. Yep. Yep. Okay. Yes. Yep. Yep. Yep. Okay. Yeah. Yes. Okay. Okay. Yep. Yes. Yep. Yep. Yep. Yeah. Yeah. Yeah. Definitely. Yep. Okay. Cool. No problem. Yep. Cool. No. That's all. I do have a question just because, like, in my personal investments that I just do privately, I've got saw a lot of growth through silver this year. It outperforms pretty much everything else combined. So I was wondering, like, is there I don't think you know? I think short short term and short term within three to five years, that growth will still continue just with, you know, obviously, the need to silver in AI computer processing chips and all that kind of thing, and that's obviously growing so rapidly. Do you think, you know, do you think it's a good idea to put one of, you know, maybe include that in in the investment portfolio for my super just because, like, I had, like, kept it on on the s and p 500, the a s 200. And they were good, but they're very, very slow. I understand they're good for long term, which is which is obviously why I don't have a problem with them being selected. But just to you know, I mean, in in the short term, yeah, I saw I saw a lot of growth from silver. I don't know if I got in at a good time, but, yeah, definitely outperformed everything else. Yep. Yep. Yep. Yep. Okay. Okay. Well, yeah. Yeah. Okay. Do you know what's the current prices, like, physical silver? Do you know? Okay. Last time I looked, it was kinda floating around the 100 mark, but it did jump. Like, I was I didn't buy physical silver, but I was invested in a company that stored physical silver, kinda same as, you know, investing in physical gold stores. And they that went up, like, 300% for me in six months. So I don't know if that was just I got lucky with timing, but and it's obviously, it dropped back down to about 100, so that's up to, like, $1.62 or something. And it's all time. I think I picked it up for, like, around the the $48.50 dollar mark. Yep. Yep. Yes. Yeah. Yeah. If you could, that'd be awesome. Yep. Okay. Just yeah. If it's just next week. And any yeah. Just depends. I mean, I can make time. Yeah. Yeah. I can do that. Yep. Yep. Yes. That is always good. Yeah. Yep. Okay. Yep. Yep. Yeah. Okay. And that's just the document to be signed? I've just got a signed document, but it just took me to this service agreement. I don't have the yeah. I think I did. Yeah. Yep. Yep. No. That's all. No problem. Thanks, Veronica. 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Cody speaking. Yeah. Good. Thank you.\n\nHow are you? Yeah. Yeah. That's all good. Yep.\n\nYep. Cody William Delaney. Thirty zero eight ninety nine. And I think the address previously was 73 Waybaw Street, Sunshine, but I asked him to change it to 9 Bartlett Road, Newstville. So do we want those two?\n\nYeah. Yeah. Not really. Just just to catch up and say how it's going. Yeah.\n\nNo. Can I change that, please? Jessica Lacey. So Jessica Lacey, l e a c y. 0413 121 802.\n\nLet me just check that. Yeah. 041 312 1802. Yep. Yep.\n\nYeah. No. I'm no longer there. I just work myself, so I just have I just contract to a few different companies. So my income is roughly the same.\n\nSometimes it's more per week. Sometimes it's less, but it's I don't know if you wanted to average, like, $11.11 1,200 after tax, something like that. 1,000 to 1,200 after tax. Yeah. No.\n\nSo I still work for do contracting for Raw. Not the same role, but just some some stuff for their learning management system and kind of back end back of house stuff. And then I also just work at my the old gin distillery. I used to work out before then. So I just worked for them three days a week because they're just short on staff.\n\nAnd I do some bit of marketing on the side and a little bit of consulting for my friend's catering company as well. Nice. Yeah. No. They they do pay contributions.\n\nI'm just I'll just have to confirm that the raw the the consulting for the LMS system because they've just got a few outstanding invoices that haven't been paid yet. So I'm not sure if that will contribute or not. It should be every week. Yeah. But this yeah.\n\nThis contract, I only got time a couple of weeks ago, so that's why they haven't come through yet. Yeah. Yeah. Okay. So they yeah.\n\nThey still contribute normally. And then yeah. Any other job that I'm doing, they'll contribute. Yeah. Yes.\n\nMaybe just make it 300 worth of hospitals. I've just had yeah. Quite a lot of heavy expenses happening. So it's not much savings thing going on, but it should be fine after this week. Yeah.\n\nIt'd be a bit more owing. I don't know if there's a better vehicle on there. Okay. Probably just do just do the same 50, but it's about 50 owing because I sold that car and I got a different one. Yes.\n\nIt's it's insured for a great value of CCS. Yeah. That's correct. No. No.\n\nYeah. I mean yeah. I've been a bit stressful recently, so maybe a bit more than that, but it's not like yeah. I'm not a I'm not a heavy smoker. I'll put it that way.\n\nYeah. The same. That'll never go away. It's yeah. It's chronic lower back pain, so and degenerative arthritis.\n\nYeah. No. No. Because I've spent way too much time and time paying people to try and figure it out, and no one can give me an answer. So I'm just living with it because it just started to frustrate me too much.\n\nYeah. Yeah. Yeah. Yeah. It's just it's annoying, but, yeah, it's fine.\n\nNo. No. Not that I can think of. No. No.\n\nI don't. I got rid of it because it was a bit of a joke, to be honest. Yeah. I mean, honestly, I'd rather just put money away every week, you know, the equivalent of what the private health would be. Because when I did have private health, it's just a bit of a rort, to be honest.\n\nLike, you you don't get I didn't get any I didn't get anything extra. Like, for example, I went to the dentist with my my ex partner, and we have dental under our private health. I got a routine clean, which took about twelve minutes. She was in there for an hour and got a bunch of stuff done, and she didn't have to pay anything, and I had to pay a $180. So I just called him up that day and said, it's a joke.\n\nI don't want it anymore. Like, everything that you think or you would assume that private health would cover, they somehow get out of doing it. So, yeah, I'd rather just put money into an account for, you know, if something something like that happened because I just think it's I just think it's a rip off. Yeah. Got it.\n\nOkay. Yep. Okay. Yeah. Okay.\n\nYeah. Yep. Yeah. But I won't go over it to this phone until you for sure. But if it, yeah, if it changes next year, because, yeah, I've got a few things kind of brewing, so we'll see how they turn out.\n\nBut, yeah, if anything changes in the next financial year, obviously, I will consider that because, yeah, if I if I'm gonna pay less tax overall, then sure, I'll 100%. I don't have a problem, which if we, like, paying private health care for that reason. Yeah. I just won't hold my breath if I get injured because I'll probably somehow get out of paying for it. Yes.\n\nYep. Okay. Yep. Okay. No problem.\n\nMhmm. Yeah. Just my partner, Jeff. So the same the same contact as before. Okay.\n\nYep. Yeah. No. I don't think that'll happen because I it's, like, in terms of family, it's just myself and my mom. And she's getting on, so, you know, I'd I'd hope I don't pass away before her.\n\nThat's touch wood. But yeah. And I don't have any, like, siblings, aunties, uncles, cousins. Like, we're pretty private people. So they wouldn't they'd literally be no one else that could even try to contest that.\n\nYeah. Yeah. No. There isn't. And my previous partner wouldn't wouldn't try it because he just wouldn't.\n\nYeah. No. I've got access to a printout. Yep. Okay.\n\nNo problem. Yep. Yeah. I guess so. Not really.\n\nJust just putting away as much money as possible because of the state of the world. So not making any sorry. Just not make yeah. Not making any decisions, not making any big purchases, nothing like that. Just kinda keeping under the radar and just trying to put put as much away as we can.\n\nYeah. It definitely is, but it won't be before like, I wouldn't buy a house before 2032, probably, at this stage. Yeah. So that'll be, like, a long, long time. Yeah.\n\nYep. Yep. Yep. Yeah. I am.\n\nI mean, the I mean, the markets and whatnot haven't been very good recently with all the stuff going on overseas. Yeah. Yeah. Yep. Yeah.\n\nWhat would you recommend? Yes. Yeah. Yeah. Yeah.\n\nYes. Yeah. Okay. Yeah. Okay.\n\nNo. No. I'm not that I'm not that short minded. I know it's a long term thing, so yeah. No.\n\nIt's all good. Okay. Yep. Yep. I do, but it's only in my phone.\n\nSo it just depends what needs to access. Okay. Yep. Yeah. That's alright.\n\nWell, I've got the email here. So, yeah, I can get it up. Which which one am I getting up? Yep. Yeah.\n\nYep. Yep. Yeah. There's a problem. Yep.\n\nYep. Okay. Yep. Yep. So the super only?\n\nYep. Yep. None. Yep. That'll drive.\n\nLet me check for a moment. Yep. Yep. Yep. Okay.\n\nYes. Yep. Yep. Yep. Okay.\n\nYeah. Yes. Okay. Okay. Yep.\n\nYes. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Definitely. Yep. Okay.\n\nCool. No problem. Yep. Cool. No.\n\nThat's all. I do have a question just because, like, in my personal investments that I just do privately, I've got saw a lot of growth through silver this year. It outperforms pretty much everything else combined. So I was wondering, like, is there I don't think you know? I think short short term and short term within three to five years, that growth will still continue just with, you know, obviously, the need to silver in AI computer processing chips and all that kind of thing, and that's obviously growing so rapidly.\n\nDo you think, you know, do you think it's a good idea to put one of, you know, maybe include that in in the investment portfolio for my super just because, like, I had, like, kept it on on the s and p 500, the a s 200. And they were good, but they're very, very slow. I understand they're good for long term, which is which is obviously why I don't have a problem with them being selected. But just to you know, I mean, in in the short term, yeah, I saw I saw a lot of growth from silver. I don't know if I got in at a good time, but, yeah, definitely outperformed everything else.\n\nYep. Yep. Yep. Yep. Okay.\n\nOkay. Well, yeah. Yeah. Okay. Do you know what's the current prices, like, physical silver?\n\nDo you know? Okay. Last time I looked, it was kinda floating around the 100 mark, but it did jump. Like, I was I didn't buy physical silver, but I was invested in a company that stored physical silver, kinda same as, you know, investing in physical gold stores. And they that went up, like, 300% for me in six months.\n\nSo I don't know if that was just I got lucky with timing, but and it's obviously, it dropped back down to about 100, so that's up to, like, $1.62 or something. And it's all time. I think I picked it up for, like, around the the $48.50 dollar mark. Yep. Yep.\n\nYes. Yeah. Yeah. If you could, that'd be awesome. Yep.\n\nOkay. Just yeah. If it's just next week. And any yeah. Just depends.\n\nI mean, I can make time. Yeah. Yeah. I can do that. Yep.\n\nYep. Yes. That is always good. Yeah. Yep.\n\nOkay. Yep. Yep. Yeah. Okay.\n\nAnd that's just the document to be signed? I've just got a signed document, but it just took me to this service agreement. I don't have the yeah. I think I did. Yeah.\n\nYep. Yep. No. That's all. No problem.\n\nThanks, Veronica. Appreciate it.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.05419248342514038},{"text":"Cody speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.05871032923460007},{"text":"Yeah.","start":7.12,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.2641323208808899},{"text":"Good.","start":7.3599997,"end":7.6,"sentiment":"positive","sentiment_score":0.5442310571670532},{"text":"Thank you.","start":7.6,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5520530939102173}],"sentiment":"neutral","sentiment_score":0.29772610110895975,"num_words":7,"start":1.12,"end":7.9199996},{"sentences":[{"text":"How are 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nine.","start":39.485,"end":41.425,"sentiment":"neutral","sentiment_score":0.010487649589776993},{"text":"And I think the address previously was 73 Waybaw Street, Sunshine, but I asked him to change it to 9 Bartlett Road, Newstville.","start":41.725,"end":51.505,"sentiment":"neutral","sentiment_score":0.01049432636279127},{"text":"So do we want those two?","start":52.41,"end":53.95,"sentiment":"neutral","sentiment_score":0.05492407704393069}],"sentiment":"neutral","sentiment_score":0.01705387170965734,"num_words":38,"start":38.045002,"end":53.95},{"sentences":[{"text":"Yeah.","start":56.57,"end":57.07,"sentiment":"neutral","sentiment_score":0.03346053883433342},{"text":"Yeah.","start":76.865,"end":77.265,"sentiment":"neutral","sentiment_score":-0.03134357929229736},{"text":"Not really.","start":77.265,"end":77.905,"sentiment":"neutral","sentiment_score":-0.07513253763318062},{"text":"Just just to catch up and say how it's 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yeah.","start":983.845,"end":984.725,"sentiment":"neutral","sentiment_score":-0.14619799703359604},{"text":"Not making any decisions, not making any big purchases, nothing like that.","start":984.725,"end":988.485,"sentiment":"neutral","sentiment_score":-0.17043682311971983},{"text":"Just kinda keeping under the radar and just trying to put put as much away as we can.","start":988.485,"end":998.55005,"sentiment":"neutral","sentiment_score":-0.12073674922188123}],"sentiment":"neutral","sentiment_score":-0.15222378000617026,"num_words":55,"start":971.24,"end":998.55005},{"sentences":[{"text":"Yeah.","start":1008.995,"end":1009.235,"sentiment":"neutral","sentiment_score":0.022725960239768028},{"text":"It definitely is, but it won't be before like, I wouldn't buy a house before 2032, probably, at this 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not that I'm not that short minded.","start":1171.98,"end":1173.9199,"sentiment":"negative","sentiment_score":-0.44403087720274925},{"text":"I know it's a long term thing, so yeah.","start":1174.5349,"end":1176.0549,"sentiment":"neutral","sentiment_score":0.02405724384718471},{"text":"No.","start":1176.0549,"end":1176.2949,"sentiment":"neutral","sentiment_score":-0.02557577937841415}],"sentiment":"neutral","sentiment_score":-0.1916732793673873,"num_words":20,"start":1171.4199,"end":1176.2949},{"sentences":[{"text":"It's all good.","start":1176.2949,"end":1177.115,"sentiment":"neutral","sentiment_score":0.11097693940003713},{"text":"Okay.","start":1187.9501,"end":1188.1901,"sentiment":"neutral","sentiment_score":0.30619460344314575},{"text":"Yep.","start":1188.1901,"end":1188.6901,"sentiment":"positive","sentiment_score":0.4010722041130066},{"text":"Yep.","start":1190.99,"end":1191.49,"sentiment":"neutral","sentiment_score":0.1881897449493408},{"text":"I do, but it's only in my 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here.","start":1236.555,"end":1237.995,"sentiment":"neutral","sentiment_score":0.1657923882206281},{"text":"So, yeah, I can get it up.","start":1237.995,"end":1240.235,"sentiment":"neutral","sentiment_score":0.16703919853482926},{"text":"Which which one am I getting up?","start":1240.235,"end":1241.91,"sentiment":"neutral","sentiment_score":0.05501881880419595},{"text":"Yep.","start":1254.39,"end":1254.89,"sentiment":"neutral","sentiment_score":0.02919207327067852},{"text":"Yeah.","start":1256.745,"end":1257.245,"sentiment":"neutral","sentiment_score":0.044477637857198715}],"sentiment":"neutral","sentiment_score":0.1192195528102192,"num_words":22,"start":1236.555,"end":1257.245},{"sentences":[{"text":"Yep.","start":1262.505,"end":1263.005,"sentiment":"neutral","sentiment_score":-0.029198428615927696},{"text":"Yep.","start":1270.985,"end":1271.43,"sentiment":"neutral","sentiment_score":-0.013441672548651695},{"text":"Yeah.","start":1271.91,"end":1272.0701,"sentiment":"neutral","sentiment_score":-0.03873340040445328},{"text":"There's a 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only?","start":1314.5249,"end":1316.1449,"sentiment":"neutral","sentiment_score":0.03208976052701473}],"sentiment":"neutral","sentiment_score":0.0373752470331965,"num_words":8,"start":1283.51,"end":1316.1449},{"sentences":[{"text":"Yep.","start":1316.7649,"end":1317.2649,"sentiment":"neutral","sentiment_score":0.05208643898367882},{"text":"Yep.","start":1327.485,"end":1327.985,"sentiment":"neutral","sentiment_score":-0.07057443261146545},{"text":"None.","start":1330.94,"end":1331.44,"sentiment":"neutral","sentiment_score":-0.2451777160167694},{"text":"Yep.","start":1333.8999,"end":1334.3999,"sentiment":"neutral","sentiment_score":0.020444855093955994},{"text":"That'll drive.","start":1350.3151,"end":1351.2151,"sentiment":"neutral","sentiment_score":0.03559727407991886}],"sentiment":"neutral","sentiment_score":-0.028671051065127056,"num_words":6,"start":1316.7649,"end":1351.2151},{"sentences":[{"text":"Let me check for a 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combined.","start":1650.655,"end":1653.955,"sentiment":"positive","sentiment_score":0.5581738693373544},{"text":"So I was wondering, like, is there I don't think you know?","start":1655.535,"end":1660.035,"sentiment":"neutral","sentiment_score":0.014996396998564402},{"text":"I think short short term and short term within three to five years, that growth will still continue just with, you know, obviously, the need to silver in AI computer processing chips and all that kind of thing, and that's obviously growing so rapidly.","start":1661.0549,"end":1674.27,"sentiment":"neutral","sentiment_score":0.04725209648974917}],"sentiment":"neutral","sentiment_score":0.10951157274746126,"num_words":93,"start":1636.67,"end":1674.27},{"sentences":[{"text":"Do you think, you know, do you think it's a good idea to put one of, you know, maybe include that in in the investment portfolio for my super just because, like, I had, like, kept it on on the s and p 500, the a s 200.","start":1675.85,"end":1692.22,"sentiment":"neutral","sentiment_score":0.07281310122925788},{"text":"And they were good, but they're very, very slow.","start":1693.3201,"end":1696.6,"sentiment":"neutral","sentiment_score":-0.07404299370116657},{"text":"I understand they're good for long term, which is which is obviously why I don't have a problem with them being selected.","start":1696.6,"end":1702.9349,"sentiment":"neutral","sentiment_score":0.05144309997558594},{"text":"But just to you know, I mean, in in the short term, yeah, I saw I saw a lot of growth from silver.","start":1702.9349,"end":1710.155,"sentiment":"neutral","sentiment_score":0.1612719391351161},{"text":"I don't know if I got in at a good time, but, yeah, definitely outperformed everything else.","start":1710.455,"end":1715.04,"sentiment":"neutral","sentiment_score":0.25527729970567364}],"sentiment":"neutral","sentiment_score":0.10091898159883103,"num_words":119,"start":1675.85,"end":1715.04},{"sentences":[{"text":"Yep.","start":1728.015,"end":1728.515,"sentiment":"neutral","sentiment_score":0.14094114303588867},{"text":"Yep.","start":1738.415,"end":1738.915,"sentiment":"neutral","sentiment_score":0.07249338924884796},{"text":"Yep.","start":1742.98,"end":1743.48,"sentiment":"neutral","sentiment_score":0.06475488096475601},{"text":"Yep.","start":1751.94,"end":1752.1,"sentiment":"neutral","sentiment_score":0.08931887149810791},{"text":"Okay.","start":1752.1,"end":1752.6,"sentiment":"neutral","sentiment_score":0.13467690348625183}],"sentiment":"neutral","sentiment_score":0.10043703764677048,"num_words":5,"start":1728.015,"end":1752.6},{"sentences":[{"text":"Okay.","start":1780.88,"end":1781.2001,"sentiment":"neutral","sentiment_score":0.06509848684072495},{"text":"Well, yeah.","start":1781.2001,"end":1783.2849,"sentiment":"neutral","sentiment_score":0.03077766392379999},{"text":"Yeah.","start":1791.585,"end":1791.985,"sentiment":"neutral","sentiment_score":-0.00004877336323261261},{"text":"Okay.","start":1791.985,"end":1792.485,"sentiment":"neutral","sentiment_score":-0.007927501574158669},{"text":"Do you know what's the current prices, like, physical silver?","start":1794.145,"end":1797.025,"sentiment":"neutral","sentiment_score":-0.04303252268582582}],"sentiment":"neutral","sentiment_score":-0.02077651247382164,"num_words":15,"start":1780.88,"end":1797.025},{"sentences":[{"text":"Do you know?","start":1797.025,"end":1797.75,"sentiment":"neutral","sentiment_score":-0.03522128860155741},{"text":"Okay.","start":1802.23,"end":1802.73,"sentiment":"neutral","sentiment_score":-0.003615878522396088},{"text":"Last time I looked, it was kinda floating around the 100 mark, but it did jump.","start":1804.79,"end":1809.93,"sentiment":"neutral","sentiment_score":-0.015581837971694767},{"text":"Like, I was I didn't buy physical silver, but I was invested in a company that stored physical silver, kinda same as, you know, investing in physical gold stores.","start":1810.39,"end":1820.375,"sentiment":"neutral","sentiment_score":-0.012883942060429475},{"text":"And they that went up, like, 300% for me in six months.","start":1822.115,"end":1828.92,"sentiment":"neutral","sentiment_score":0.13857974981268248}],"sentiment":"neutral","sentiment_score":0.015257926657795906,"num_words":61,"start":1797.025,"end":1828.92},{"sentences":[{"text":"So I don't know if that was just I got lucky with timing, but and it's obviously, it dropped back down to about 100, so that's up to, like, $1.62 or something.","start":1828.92,"end":1838.7001,"sentiment":"neutral","sentiment_score":-0.047326238942332566},{"text":"And it's all time.","start":1839.295,"end":1840.015,"sentiment":"neutral","sentiment_score":0.11139565519988537},{"text":"I think I picked it up for, like, around the the $48.50 dollar mark.","start":1840.015,"end":1846.1951,"sentiment":"neutral","sentiment_score":0.21224580918039596},{"text":"Yep.","start":1854.5701,"end":1855.0701,"sentiment":"neutral","sentiment_score":0.0505889467895031},{"text":"Yep.","start":1866.01,"end":1866.51,"sentiment":"neutral","sentiment_score":0.061016589403152466}],"sentiment":"neutral","sentiment_score":0.038734419987751886,"num_words":52,"start":1828.92,"end":1866.51},{"sentences":[{"text":"Yes.","start":1874.4751,"end":1874.9751,"sentiment":"neutral","sentiment_score":0.16344931721687317},{"text":"Yeah.","start":1893.44,"end":1893.9199,"sentiment":"neutral","sentiment_score":0.28017300367355347},{"text":"Yeah.","start":1893.9199,"end":1894.1599,"sentiment":"neutral","sentiment_score":0.320560097694397},{"text":"If you could, that'd be awesome.","start":1894.1599,"end":1895.5399,"sentiment":"positive","sentiment_score":0.5353525082270304},{"text":"Yep.","start":1899.0651,"end":1899.5651,"sentiment":"neutral","sentiment_score":0.20920789241790771}],"sentiment":"positive","sentiment_score":0.4185505360364914,"num_words":10,"start":1874.4751,"end":1899.5651},{"sentences":[{"text":"Okay.","start":1924.3201,"end":1924.8201,"sentiment":"neutral","sentiment_score":0.1451478749513626},{"text":"Just yeah.","start":1941.6649,"end":1942.225,"sentiment":"neutral","sentiment_score":0.04481350630521774},{"text":"If it's just next week.","start":1942.225,"end":1945.26,"sentiment":"neutral","sentiment_score":0.023674699664115905},{"text":"And any yeah.","start":1946.3601,"end":1947.4801,"sentiment":"neutral","sentiment_score":0.0503133088350296},{"text":"Just depends.","start":1947.4801,"end":1948.2001,"sentiment":"neutral","sentiment_score":0.03041611798107624}],"sentiment":"neutral","sentiment_score":0.04345542679612453,"num_words":13,"start":1924.3201,"end":1948.2001},{"sentences":[{"text":"I mean, I can make time.","start":1948.2001,"end":1949.5,"sentiment":"neutral","sentiment_score":0.0608024795850118},{"text":"Yeah.","start":1962.965,"end":1963.465,"sentiment":"neutral","sentiment_score":0.12451864778995514},{"text":"Yeah.","start":1963.525,"end":1963.765,"sentiment":"neutral","sentiment_score":0.15814584493637085},{"text":"I can do that.","start":1963.765,"end":1964.6649,"sentiment":"neutral","sentiment_score":0.18729019165039062},{"text":"Yep.","start":1984.655,"end":1985.155,"sentiment":"neutral","sentiment_score":0.17572742700576782}],"sentiment":"neutral","sentiment_score":0.12095135106490208,"num_words":13,"start":1948.2001,"end":1985.155},{"sentences":[{"text":"Yep.","start":1996.02,"end":1996.52,"sentiment":"neutral","sentiment_score":0.07759074866771698},{"text":"Yes.","start":2006.9,"end":2007.4,"sentiment":"neutral","sentiment_score":0.09558065980672836},{"text":"That is always good.","start":2007.4601,"end":2008.92,"sentiment":"positive","sentiment_score":0.5116802453994751},{"text":"Yeah.","start":2009.06,"end":2009.56,"sentiment":"positive","sentiment_score":0.5814895033836365},{"text":"Yep.","start":2020.095,"end":2020.595,"sentiment":"neutral","sentiment_score":0.18110083043575287}],"sentiment":"positive","sentiment_score":0.3728103404864669,"num_words":8,"start":1996.02,"end":2020.595},{"sentences":[{"text":"Okay.","start":2035.35,"end":2035.85,"sentiment":"neutral","sentiment_score":0.18730995059013367},{"text":"Yep.","start":2045.365,"end":2045.865,"sentiment":"neutral","sentiment_score":0.15943628549575806},{"text":"Yep.","start":2054.7249,"end":2055.2249,"sentiment":"neutral","sentiment_score":0.035609837621450424},{"text":"Yeah.","start":2072.0852,"end":2072.485,"sentiment":"neutral","sentiment_score":0.08809900283813477},{"text":"Okay.","start":2072.485,"end":2072.985,"sentiment":"neutral","sentiment_score":0.10646453499794006}],"sentiment":"neutral","sentiment_score":0.1153839223086834,"num_words":5,"start":2035.35,"end":2072.985},{"sentences":[{"text":"And that's just the document to be signed?","start":2084.41,"end":2086.99,"sentiment":"neutral","sentiment_score":0.07526619825512171},{"text":"I've just got a signed document, but it just took me to this service agreement.","start":2094.81,"end":2098.17,"sentiment":"neutral","sentiment_score":-0.028700368478894234},{"text":"I don't have the yeah.","start":2098.17,"end":2102.9348,"sentiment":"neutral","sentiment_score":-0.0494301687926054},{"text":"I think I did.","start":2106.515,"end":2107.575,"sentiment":"neutral","sentiment_score":0.02307070977985859},{"text":"Yeah.","start":2108.1948,"end":2108.6948,"sentiment":"neutral","sentiment_score":0.010069909505546091}],"sentiment":"neutral","sentiment_score":0.0008129079854398062,"num_words":33,"start":2084.41,"end":2108.6948},{"sentences":[{"text":"Yep.","start":2109.795,"end":2110.295,"sentiment":"positive","sentiment_score":0.3832651972770691},{"text":"Yep.","start":2137.025,"end":2137.525,"sentiment":"neutral","sentiment_score":0.05423840880393982},{"text":"No.","start":2137.905,"end":2138.145,"sentiment":"neutral","sentiment_score":-0.06271910667419434},{"text":"That's all.","start":2138.145,"end":2138.7,"sentiment":"neutral","sentiment_score":-0.08464787900447845},{"text":"No problem.","start":2147.033,"end":2147.593,"sentiment":"positive","sentiment_score":0.5932321846485138}],"sentiment":"neutral","sentiment_score":0.19885044438498362,"num_words":7,"start":2109.795,"end":2147.593},{"sentences":[{"text":"Thanks, Veronica.","start":2147.593,"end":2148.3928,"sentiment":"positive","sentiment_score":0.7546423971652985},{"text":"Appreciate it.","start":2148.3928,"end":2149.293,"sentiment":"positive","sentiment_score":0.8109723329544067}],"sentiment":"positive","sentiment_score":0.7828073650598526,"num_words":4,"start":2147.593,"end":2149.293}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Cody speaking.\n\nChannel 0: Good morning, Cody. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Yeah. Good. Thank you. How are you?\n\nChannel 0: Yeah. Good. Thanks. I had you booked in this morning to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. That's all good.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am\n\nChannel 1: Yep.\n\nChannel 0: speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Cody William Delaney. Thirty zero eight ninety nine. And\n\nChannel 0: Yep.\n\nChannel 1: I think the address previously was 73 Waybaw Street, Sunshine, but I asked him to change it to 9 Bartlett Road, Newstville.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: do we want\n\nChannel 0: And that's\n\nChannel 1: those\n\nChannel 0: one\n\nChannel 1: two?\n\nChannel 0: yeah. 1Slash9?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. No. We have updated that on our records already, so thank you for confirming both of them. Now before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or whether it's just a bit of a catch up and see kind of what happened in the last twelve months or so?\n\nChannel 1: Yeah. Not really. Just just to catch up and say how\n\nChannel 0: Just\n\nChannel 1: it's going.\n\nChannel 0: yeah. Perfect. So what I will do first, Cody, is just to run through a bit of the updated pipeline with you just to see if there's anything major that has changed in your life, if we do need to make any changes to your advice. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as in our de facto relationship with no financial dependents.\n\nIs that still the case?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And next up, Keen, I have Brooke nominated. That's still the case as well?\n\nChannel 1: No. Can I change that, please?\n\nChannel 0: Yes. Perfect. Now who would you like to change this to?\n\nChannel 1: Jessica Lacey. So Jessica Lacey, l e a c y.\n\nChannel 0: K. Perfect. And best phone number?\n\nChannel 1: 0413\n\nChannel 0: Yep.\n\nChannel 1: 121\n\nChannel 0: Yep.\n\nChannel 1: 802. Let me just check that.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Otherwise,\n\nChannel 1: 041\n\nChannel 0: that's\n\nChannel 1: 312\n\nChannel 0: good memory.\n\nChannel 1: 1802. Yep.\n\nChannel 0: Yeah. Perfect. And and relationship to yourself, is that your partner?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I'll update that. Otherwise, when it comes to employment, has any of that changed or still working as a operation manager?\n\nChannel 1: Yeah. No. I'm no longer there. I just work myself, so I just have I just contract to a few different companies. So my income is roughly the same.\n\nSometimes it's more per week. Sometimes it's less, but it's I don't know if you wanted to average, like, $11.11 1,200 after tax, something like that. 1,000 to 1,200 after tax.\n\nChannel 0: Perfect. Per week?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Perfect. Per week after that. Are you still doing the same kind of role aside from you are now obviously contracted, or are you doing, like, a different occupation altogether?\n\nChannel 1: No. So I still work for do contracting for Raw.\n\nChannel 0: Yep.\n\nChannel 1: Not the same role, but just some some stuff for their learning management system and kind of back end back of house stuff. And then I also just work at my the old gin distillery. I used to work out before\n\nChannel 0: Yes.\n\nChannel 1: then. So I just worked for them three days a week because they're just short on staff.\n\nChannel 0: Yep.\n\nChannel 1: And I do some bit of marketing on the side and a little bit of consulting for my friend's catering company as well.\n\nChannel 0: Alright. Perfect. Well, that will keep you at least very varied. It won't be boring for you.\n\nChannel 1: Nice. Yeah.\n\nChannel 0: And so with the the contract with them as well, do any of them pay you contributions, or is it just completely self employed and then it's up to you to actually make contributions yourself?\n\nChannel 1: No. They they do pay contributions. I'm just I'll just have to confirm that the raw the the\n\nChannel 0: Okay.\n\nChannel 1: consulting for the LMS system because they've just got a few outstanding invoices that haven't been paid yet. So\n\nChannel 0: Okay.\n\nChannel 1: I'm not sure if that will contribute or not.\n\nChannel 0: Okay. Because I can have a quick look otherwise in your account. Do you know how often typically they will make contribution otherwise?\n\nChannel 1: It should be every week.\n\nChannel 0: Every week? Okay. Perfect.\n\nChannel 1: Yeah. But this yeah. This contract, I only got time a couple of weeks ago, so that's\n\nChannel 0: Yeah.\n\nChannel 1: why\n\nChannel 0: Okay.\n\nChannel 1: they haven't come through yet.\n\nChannel 0: No. That's okay. Because, yeah, I'm having a look at your account at the moment. I can't see anything. Okay.\n\nThe last thing I can see is from the distillery company on the February 3, and that was 2,902.\n\nChannel 1: Yeah. Yeah. Okay. So they yeah. They still contribute normally.\n\nAnd then yeah. Any other job that I'm doing, they'll contribute. Yeah.\n\nChannel 0: Yep. Okay. Great. Perfect. So overall, even though it is obviously changing a little bit income wise per week, you will still like, if you do the 11 to 1,200 per week after tax, that pretax amount, you would still get the standard 12% contribution in total.\n\nIt's just from different places.\n\nChannel 1: Yes.\n\nChannel 0: Is that correct? Yeah. Okay. Perfect. I have here as well savings per week about 400 where possible.\n\nIs that still kind of where things are at?\n\nChannel 1: Maybe just make it 300 worth of hospitals.\n\nChannel 0: Right.\n\nChannel 1: I've just had yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Quite a lot of heavy expenses happening.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's alright.\n\nChannel 1: it's not much savings thing going on, but it should be fine after\n\nChannel 0: Yeah.\n\nChannel 1: this week.\n\nChannel 0: No. That's all good. Otherwise, asset wise, I have here motor vehicle right at about 60,000 with about 40 owing.\n\nChannel 1: Yeah. It'd be a bit more owing. I don't know if there's a better vehicle on there.\n\nChannel 0: It just says motor vehicle.\n\nChannel 1: Okay. Probably just do just do the same 50, but it's about 50 owing because I sold that car and I got a different one.\n\nChannel 0: Okay. Perfect. But the new one is also still kind of valued at about 60?\n\nChannel 1: Yes. It's it's\n\nChannel 0: Yeah.\n\nChannel 1: insured for a great value of CCS.\n\nChannel 0: Yeah. Okay. Perfect. And I also have jewelry of about 20,000.\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yep. Perfect. Do you have any other new assets otherwise? Motorbikes or boats or anything else?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And any liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: No.\n\nChannel 0: That's perfect. Now health and lifestyle wise, I have you here just as a social smoker, mainly just when you're drinking. Is that still kind of the case as well?\n\nChannel 1: Yeah. I mean yeah.\n\nChannel 0: Yes. I\n\nChannel 1: I've\n\nChannel 0: know.\n\nChannel 1: been\n\nChannel 0: Yeah.\n\nChannel 1: a bit\n\nChannel 0: No.\n\nChannel 1: stressful recently, so maybe a bit more than that, but it's\n\nChannel 0: Yeah.\n\nChannel 1: not like yeah. I'm not a I'm not a heavy smoker. I'll put it that way.\n\nChannel 0: Yeah. No. Perfect. And otherwise, health wise, how's your lower back pains and everything going?\n\nChannel 1: Yeah. The same.\n\nChannel 0: Still the same?\n\nChannel 1: That'll\n\nChannel 0: Okay.\n\nChannel 1: never go away. It's yeah. It's chronic lower back pain, so\n\nChannel 0: Yeah. And\n\nChannel 1: and\n\nChannel 0: you're\n\nChannel 1: degenerative\n\nChannel 0: still seeing a\n\nChannel 1: arthritis.\n\nChannel 0: specialist? Okay. Arthritis. Yep. And are you\n\nChannel 1: Yeah.\n\nChannel 0: still kind of regular thing, like, a specialist or a\n\nChannel 1: No.\n\nChannel 0: doctor or physio? Right?\n\nChannel 1: No. Because I've spent way too much time and time paying people\n\nChannel 0: Mhmm.\n\nChannel 1: to try and figure it out, and no one can give me an answer. So I'm just\n\nChannel 0: Yep.\n\nChannel 1: living with it because it just started to frustrate me too much.\n\nChannel 0: Yeah. And it's manageable in a way. Like, you obviously can work and stuff. Obviously, it's not pleasant,\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: but\n\nChannel 1: It's\n\nChannel 0: but\n\nChannel 1: just\n\nChannel 0: you can\n\nChannel 1: it's\n\nChannel 0: work.\n\nChannel 1: annoying, but, yeah, it's fine.\n\nChannel 0: Okay. Otherwise, any changes to your health otherwise?\n\nChannel 1: No. No. Not that\n\nChannel 0: No.\n\nChannel 1: I can think of. No.\n\nChannel 0: No. That's that's good. And do you have private health insurance?\n\nChannel 1: No. I don't. I got rid of it because it was a bit of a joke, to be honest.\n\nChannel 0: Yep. No. That's fair enough. And with your income, you should be under the threshold anyway. If it is that your income does increase quite a bit, I've just been mindful as well of if you don't have hospital coverage, you might be eligible to pay for the additional medical levy surcharge.\n\nSo, obviously, additional tax if you don't have private health insurance, but the way things are at the moment, you should be all good. But, yeah, if if your income does increase, it's worth considering. Obviously, you have to then weigh up the cost of your private health versus how much the medical levy would be and then, obviously, make a decision.\n\nChannel 1: Yeah. I mean, honestly, I'd rather just put money away every week,\n\nChannel 0: Yep.\n\nChannel 1: you know, the equivalent of what the private health would be. Because when I did have private health,\n\nChannel 0: Yep.\n\nChannel 1: it's just a bit of a rort, to be honest. Like, you\n\nChannel 0: Yes. No.\n\nChannel 1: you\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: feel you.\n\nChannel 1: get I didn't get any I didn't get anything extra. Like, for example, I went to the dentist with my my ex partner, and we have dental under our private health. I got a routine clean, which took about twelve minutes. She was in there for an hour and got a bunch of stuff done, and she didn't have to pay anything, and I had to pay a $180. So I just called him up that day and said, it's a joke.\n\nI don't want it anymore.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Like, everything that you think or you would assume that private health would cover, they somehow get out of doing it. So, yeah, I'd rather just put money into an account for, you know, if something\n\nChannel 0: Yep.\n\nChannel 1: something like that happened because I just think it's I just think it's a rip off.\n\nChannel 0: Yep. I'm super sure most people feel very much the same, and the only reason why obviously, some people do depending on which level who you're with and the level of cover you have, but a lot of people I\n\nChannel 1: Yeah.\n\nChannel 0: speak to, it is the same. And the for majority of people, the only reason they have it is to not pay additional tax. Just for your\n\nChannel 1: Got\n\nChannel 0: reference,\n\nChannel 1: it. Okay.\n\nChannel 0: if in a single threshold, if your income for this financial year exceeds a 101,000, you will have to if your income is under a 101,000, you don't have to pay any additional tax. If it's\n\nChannel 1: Yep.\n\nChannel 0: over a $101,101,000, you have to pay 1%. Over 118 is 1.25, and then a 150\n\nChannel 1: Okay.\n\nChannel 0: 8,000 and more is 1.5. So if\n\nChannel 1: Yeah.\n\nChannel 0: it does\n\nChannel 1: Okay.\n\nChannel 0: get through that point, like, if you do go above a 101,000, sometimes it's worth just doing the math because I know some clients, especially as your income gets higher, paying\n\nChannel 1: Yeah.\n\nChannel 0: for private health insurance is cheaper than the additional tax they pay. So, yes, you might not see them, the value in it. But if it means you pay less tax,\n\nChannel 1: Yep.\n\nChannel 0: it's something to consider. But the way things are right now, you should be under it.\n\nChannel 1: Yeah.\n\nChannel 0: But,\n\nChannel 1: But\n\nChannel 0: yes,\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: won't go\n\nChannel 0: just\n\nChannel 1: over it\n\nChannel 0: be\n\nChannel 1: to this\n\nChannel 0: mindful.\n\nChannel 1: phone until you for sure.\n\nChannel 0: Okay. Great. Perfect.\n\nChannel 1: But if it, yeah, if it changes next year, because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I've got a few things kind\n\nChannel 0: Yep.\n\nChannel 1: of brewing, so we'll see how they turn out. But, yeah, if anything\n\nChannel 0: Yeah.\n\nChannel 1: changes in the next financial year, obviously, I will consider that because, yeah, if I if I'm gonna pay less tax overall, then sure, I'll 100%. I don't have a problem,\n\nChannel 0: Yes.\n\nChannel 1: which if we, like, paying private health care for that reason. Yeah. I just won't hold my breath if I get injured because I'll probably\n\nChannel 0: Yes.\n\nChannel 1: somehow get out of paying for it.\n\nChannel 0: Yes. Oh, yeah. No. I know. For sure.\n\nAnd and yeah. That's it. And and you also don't have to worry because sometimes it's like if you just borderline or if you're in that first percentage, yes, you may have to pay a little bit more tax, but it could be cheaper than what you're actually paying for private health anyway. So just something\n\nChannel 1: Yes.\n\nChannel 0: to consider if you do exceed\n\nChannel 1: Yep.\n\nChannel 0: 101,000. If you're ever unsure and your income does increase, you can always just call me, and I can just kind of run it through with you as well. But, yeah,\n\nChannel 1: Okay.\n\nChannel 0: just something in the future to be mindful of if your income does increase.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: No problem.\n\nChannel 0: Perfect. And, otherwise, when it comes to estate planning, I don't actually have a nomination on your super account. So in the event that something were to happen to you, someone that\n\nChannel 1: Mhmm.\n\nChannel 0: you would like to nominate. Now do you have someone in mind that you would like to give that to?\n\nChannel 1: Yeah. Just my partner, Jeff. So the same the same contact as before.\n\nChannel 0: Yep. Okay. Perfect. Now because she is your spouse, if anything were to happen, it will be tax free to her. Now because\n\nChannel 1: Okay.\n\nChannel 0: it is making a legal nomination, It is a form I will have to send\n\nChannel 1: Yep.\n\nChannel 0: to you. You would have to get a witness and website, send it back to me, and then I can get that uploaded and sorted for you. It is important when you have a moment just so there's if there's ever a conflict or other people trying to make a claim for anything, we obviously wanna make sure that's not the case.\n\nChannel 1: Yeah. No. I don't think that'll happen because I it's, like, in terms of family, it's just myself and\n\nChannel 0: Yep.\n\nChannel 1: my mom.\n\nChannel 0: Yep.\n\nChannel 1: And she's getting on, so, you know, I'd I'd hope I don't pass away before\n\nChannel 0: Yeah.\n\nChannel 1: her. That's touch\n\nChannel 0: Yeah. That's\n\nChannel 1: wood.\n\nChannel 0: good.\n\nChannel 1: But yeah. And I don't\n\nChannel 0: Yeah.\n\nChannel 1: have any, like, siblings,\n\nChannel 0: Okay.\n\nChannel 1: aunties,\n\nChannel 0: Yeah.\n\nChannel 1: uncles, cousins. Like, we're pretty private people. So they wouldn't\n\nChannel 0: Yep.\n\nChannel 1: they'd literally be no one else that could even\n\nChannel 0: Okay.\n\nChannel 1: try to contest that. Yeah.\n\nChannel 0: Perfect. Because sometimes we change the issues with previous partners and stuff like that as well. So always good to have in place if something were to\n\nChannel 1: Yeah.\n\nChannel 0: happen, but it's good that there's not really anyone that would do that.\n\nChannel 1: No. There isn't. And my previous\n\nChannel 0: No.\n\nChannel 1: partner wouldn't wouldn't try it because\n\nChannel 0: All good.\n\nChannel 1: he just wouldn't.\n\nChannel 0: Yeah. No. That that's very good. And now, Cody, do you have access to a printer, or do you prefer these forms to be posted to you just because they have to be web signed?\n\nChannel 1: Yeah. No. I've got access to a printout.\n\nChannel 0: Okay. Perfect. So if you don't mind, I will get then the team to email you those forms. That way, you do have it in your inbox as well. When you have a moment, obviously, print it out, complete it, send it back, and we will get that sorted for you.\n\nChannel 1: Yep. Okay. No problem.\n\nChannel 0: Yep. Perfect. Otherwise, I guess, when it come comes to goals, stuff that you are working towards, you obviously have a bit going on work wise.\n\nChannel 1: Yep.\n\nChannel 0: But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment? Yes.\n\nChannel 1: Yeah. I guess so. Not really. Just just putting away as much money as possible because of the state of the world.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And is it\n\nChannel 1: not making\n\nChannel 0: still\n\nChannel 1: any\n\nChannel 0: con yep.\n\nChannel 1: sorry.\n\nChannel 0: No. You get you you go.\n\nChannel 1: Just not make yeah. Not making any decisions, not making any big purchases, nothing like that. Just kinda keeping under the radar and just trying to put put as much away as we\n\nChannel 0: Yep. Yep. Perfect. And I have here as well, I guess, more medium\n\nChannel 1: can.\n\nChannel 0: to long term. The goal is to buy a property. Is that still kind of something that you are wanting to do down the track?\n\nChannel 1: Yeah. It definitely is, but it won't be before like, I wouldn't buy a house before 2032, probably, at\n\nChannel 0: Yep.\n\nChannel 1: this\n\nChannel 0: Okay.\n\nChannel 1: stage. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So that'll\n\nChannel 0: More\n\nChannel 1: be, like,\n\nChannel 0: more long term.\n\nChannel 1: a long, long time. Yeah.\n\nChannel 0: Yes. No. That's all good. Perfect. And when it comes to superannuation as well, we currently have you invested in a growth portfolio sorry, in\n\nChannel 1: Yep.\n\nChannel 0: a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: And I know last time, we kind of went through a couple of questions to see how your risks and and everything was, how you felt about everything. Has\n\nChannel 1: Yep.\n\nChannel 0: any of that changed for you, or are you still kind of comfortable with the same level of risk and position for your superannuation? Yep.\n\nChannel 1: Yeah. I am. I mean, the I mean, the markets and whatnot haven't been very good recently with all the stuff\n\nChannel 0: No.\n\nChannel 1: going\n\nChannel 0: The\n\nChannel 1: on overseas.\n\nChannel 0: last, yeah. The last twelve months have been, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: a bit up and down, which which you obviously can expect throughout time as well. Obviously, these\n\nChannel 1: Yeah.\n\nChannel 0: last twelve months, there's been quite a bit. Obviously, you had everything in The US happening\n\nChannel 1: Yep.\n\nChannel 0: and then the war and stuff like that. So we obviously have seen fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: But with our\n\nChannel 1: What\n\nChannel 0: high\n\nChannel 1: would\n\nChannel 0: growth\n\nChannel 1: you\n\nChannel 0: portfolio,\n\nChannel 1: recommend?\n\nChannel 0: for your age where things are at, I would say high growth is a good position as long as you are comfortable\n\nChannel 1: Yes.\n\nChannel 0: with it. Because if we are looking at because you're you're super positioned from a long term position.\n\nChannel 1: Yeah.\n\nChannel 0: Now throughout time as well, you will have ups and downs and market fluctuations in the short term. So\n\nChannel 1: Yeah.\n\nChannel 0: at the same time, while the prices and everything is down a little bit, if you are selling out now, you are then also selling when some of it is down. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: You can also buy when it's down, but a lot of the investments are positioned, obviously, more from a long term position. And\n\nChannel 1: Yes.\n\nChannel 0: in a high growth portfolio as well, we do typically say eight years until retirement and a minimum to make sure you have enough time because during those eight years, you will have potentially one or two years where it might be down, and then the rest will be a lot better. So it's\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Okay.\n\nChannel 0: what we're seeing unusual in the market as a whole if we're looking historically and stuff, especially in a high growth portfolio. So I wouldn't be too concerned\n\nChannel 1: Yeah.\n\nChannel 0: if I were you where you are\n\nChannel 1: Okay.\n\nChannel 0: at the moment given your age. But at the same time, it's also what you're comfortable with. Because if you did see your like, your super drop a little bit in the short term, obviously, and that would kind of freak you up quite a bit, then we might wanna look at making changes.\n\nChannel 1: No.\n\nChannel 0: But if\n\nChannel 1: No.\n\nChannel 0: you're\n\nChannel 1: I'm not\n\nChannel 0: comfortable\n\nChannel 1: that I'm not that short minded.\n\nChannel 0: okay.\n\nChannel 1: I know it's a long\n\nChannel 0: Perfect.\n\nChannel 1: term thing, so yeah. No. It's all good.\n\nChannel 0: Yes. Okay. Yeah. Perfect. Well, yeah, otherwise, it is most clients that we do see in in your position as well.\n\nSo in your age, we do see in a high growth at least. So you are\n\nChannel 1: Okay. Yep.\n\nChannel 0: definitely well positioned from that.\n\nChannel 1: Yep.\n\nChannel 0: I'm kind of talking about your portfolio and stuff like that as well. Do you have access to your emails at the moment or not really right now if you're a bit busy?\n\nChannel 1: I do, but it's only in my phone. So it just depends what needs to access.\n\nChannel 0: So I have send you ultimately, it's up to you. I have send you an email with some documents to go through.\n\nChannel 1: Okay.\n\nChannel 0: Most people are happy to get that up on the phone and at it because afterwards, it's still saved to your folder if you do wanna go and have a look at it. But\n\nChannel 1: Yep.\n\nChannel 0: if you feel like you would like to access it on a computer or something later, I can always just run through the document. And then when you have a bit more time later, you can also access this. And if you don't have any questions, you can let me know. So it is up to you.\n\nChannel 1: Yeah. That's alright. Well, I've got the email here. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I can get it up. Which which one am I getting up?\n\nChannel 0: Sorry. Before so we have recently changed the the software, so it might look a little bit different to the last annual review. But, essentially, in the email, before you click on the link where it says sign now, at\n\nChannel 1: Yep.\n\nChannel 0: the bottom of the email, can you see a couple of attachments?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now I won't get you because they're a bit larger files\n\nChannel 1: Yep.\n\nChannel 0: that are open on the mobile, but the the first two or the bottom two where it says OTP services guide and OTP financial services guide. Can you see\n\nChannel 1: Yep.\n\nChannel 0: those? Yep.\n\nChannel 1: Yeah. There's\n\nChannel 0: So\n\nChannel 1: a problem.\n\nChannel 0: the,\n\nChannel 1: Yep.\n\nChannel 0: yeah, so they're a little bit larger files. We have gone through this before. It is one of those compliance documents. It's basically everything that you need to know about us. So all the important\n\nChannel 1: Yep.\n\nChannel 0: information is in there. The team director of advisers, it's very similar to what we went through last year. We've had a bit of change to marketing. So if if you do go and have a look at it, you will see we've had some updated photos and marketing, which is good, and also a bit of an extension to the team.\n\nChannel 1: Okay.\n\nChannel 0: But, otherwise, I'll get you to have a read of those because none of the important information has changed.\n\nChannel 1: Yep.\n\nChannel 0: Now you also have a super summary report. Can you open that for me if it works?\n\nChannel 1: Yep. So\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: So\n\nChannel 1: super\n\nChannel 0: you\n\nChannel 1: only?\n\nChannel 0: yes.\n\nChannel 1: Yep.\n\nChannel 0: Correct. So at the moment, you obviously have your superannuation in Hub 24, and you do have about $42,832 in there. And you don't\n\nChannel 1: Yep.\n\nChannel 0: have any insurances at the moment. Are you still\n\nChannel 1: None.\n\nChannel 0: obviously comfortable without insurances?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now the other one is your twelve month HAP 24 IRR, if you can see that one. Now it might be a little bit small on the phone for you.\n\nChannel 1: That'll drive.\n\nChannel 0: Yep.\n\nChannel 1: Let me check for a moment.\n\nChannel 0: Let me know if that\n\nChannel 1: Yep.\n\nChannel 0: works for you. Yep. So it might look a little bit messy, but it gives you a portfolio performance report over the last twelve months. Now we've already touched on it already, but, obviously, the market in the last twelve months has been very up and down,\n\nChannel 1: Yep.\n\nChannel 0: and your portfolio is positioned for the long term. But in the good in a positive way, though, that this despite, obviously, a lot of things have been quite down at the moment and a lot of fluctuation, in the last twelve months, after fees, your portfolio is still up. So it's definitely not\n\nChannel 1: Yep.\n\nChannel 0: down. Now it's up about 4.52%. So, obviously,\n\nChannel 1: Okay.\n\nChannel 0: we would like to see that increase, but\n\nChannel 1: Yes.\n\nChannel 0: in kind of looking at the portfolio this year, the the key theme is that your your position is growing, and it is working as intended. Now when we do look at the individual investments, a lot of the the bigger growth is coming from your core global and thematic exposures. But you\n\nChannel 1: Yep.\n\nChannel 0: can see that, for example, The US exposure through the S and P 500 have kind of stood out to us again and delivered a good solid double digit growth, which is good. And we've\n\nChannel 1: Yep.\n\nChannel 0: also seen pretty good performance from some of the other factors and the alternative exposures like your Rafi Australian strategy. Gold have also done really well, and that's\n\nChannel 1: Yep.\n\nChannel 0: kind of helped build the portfolio. Now at the same time, there are few areas that kind of have lagged a little bit, and some of these are your cyclical and emerging markets, which\n\nChannel 1: Okay.\n\nChannel 0: is not out of the norm because they are kind of positioned as well in different segments throughout the high growth portfolio. So at different points in time, depending on what is going on in the market, there's obviously some that's going to grow a little bit more and some that's not and kind of negating each other.\n\nChannel 1: Yeah.\n\nChannel 0: But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed. So we've got a lot of research at the moment and the investment committee as well on one of the investments in your portfolio, which is your Benelung Australian equity.\n\nChannel 1: Yes.\n\nChannel 0: So I'm not sure if you're too familiar with that investment, but that is one of your managed funds. And the purpose to find that is to actively buy and sell different investments in order to try to outperform the market.\n\nChannel 1: Okay.\n\nChannel 0: And more recently, they have underperformed a little bit,\n\nChannel 1: Okay.\n\nChannel 0: and they have a little bit been a little bit slower with making decisions. So we've done a lot of research on it, and it is one that\n\nChannel 1: Yep.\n\nChannel 0: we would like to change. So if you are happy to do so, we have done obviously, a lot of comparisons because if we're swapping one Australian equity component, we obviously wanna replace it with another Australian investment to still give you that diversification. But\n\nChannel 1: Yes.\n\nChannel 0: we're trying to look for something that's potentially a little bit cheaper, but also kind of improve those returns for you moving forward by still giving you diversification.\n\nChannel 1: Yep.\n\nChannel 0: So we have found another one, which is the BetaShares two hundred Australia.\n\nChannel 1: Yep.\n\nChannel 0: It's a bit cheaper than your Benelon because it doesn't have the same active component, but also kind of a bit more steady. So you don't have the same kind of volatility as the Venelon investment and have performed a little bit better.\n\nChannel 1: Yep.\n\nChannel 0: But it still gives you exposures to the 200 largest companies listed in Australia. So it still gives you really good diversification. So\n\nChannel 1: Yeah.\n\nChannel 0: if you are happy with that, I will draw up a record of advice for you to just outline that we will go ahead and make the change just swapping your BIN along for the a 200 if that is something that you are happy with.\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: Yes. Okay. Perfect. Now you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done. And the good\n\nChannel 1: Yep.\n\nChannel 0: thing as well, because the Benelon is down a little bit, there won't be any capital gains tax with making the change, which is good.\n\nChannel 1: Okay. Cool. No problem.\n\nChannel 0: Yeah. Perfect. So just kind of keep a lookout for that email. Now it might be sometime next week that it comes through. But, yeah, just just keep a lookout for that to come through, and we will get that sorted for you.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Any other questions so far? That's pretty straightforward.\n\nChannel 1: No. That's all. I do have a question just because, like, in my personal\n\nChannel 0: Mhmm.\n\nChannel 1: investments that I just do\n\nChannel 0: Mhmm.\n\nChannel 1: privately, I've got saw a lot of growth through silver this year.\n\nChannel 0: Yes.\n\nChannel 1: It outperforms pretty much everything else combined.\n\nChannel 0: Yes. Yes.\n\nChannel 1: So I was wondering, like, is there I don't think you know? I think short short term and short term within three to five years, that growth will still continue just with, you know, obviously, the need to silver in AI computer processing chips and all that kind of thing, and that's obviously growing so rapidly. Do you think, you know, do you think it's a good idea to put one of, you know, maybe include that in in the investment portfolio for my super just because, like, I had, like, kept it on on the s and p 500, the a s 200.\n\nChannel 0: Yep.\n\nChannel 1: And they were good, but they're very, very slow. I understand they're good\n\nChannel 0: Yes.\n\nChannel 1: for long term, which is\n\nChannel 0: Yes.\n\nChannel 1: which is obviously why I don't have a problem with them being selected. But just to you know, I mean, in in the short term, yeah, I saw I saw a lot of growth from silver. I don't know if I got in at a good time, but, yeah, definitely outperformed everything else.\n\nChannel 0: Yep. And it definitely like, the gold and silver have been doing really well. If it is something that you want, we can do some more research on it and see how we can fit it into your portfolio. The only thing\n\nChannel 1: Yep.\n\nChannel 0: to be mindful of is because we obviously have have you in a high growth portfolio, which does mean that we have about 90% allocated to your growth investments for that long term position. The\n\nChannel 1: Yep.\n\nChannel 0: silver would more be classified towards your defensive investments, which is kind of like\n\nChannel 1: Yep.\n\nChannel 0: you touched on there a little bit more stable. And in a high growth portfolio, we have about 10% allocated to defensive investments.\n\nChannel 1: Yep.\n\nChannel 0: We\n\nChannel 1: Okay.\n\nChannel 0: already have gold and fixed interest as part of your portfolio. So if we swap out something for silver for you, it will mean we can try to change some of your defensive investment because you're already in a high growth. You don't have too many defenses. So what it might mean is they will then potentially take some some of your growth investments and put it more into defensive, which might not align with your risk profile as much. So it\n\nChannel 1: Okay.\n\nChannel 0: it's up\n\nChannel 1: Well,\n\nChannel 0: to you if it is something because\n\nChannel 1: yeah.\n\nChannel 0: at the same time with the silver, as good as it has been, you're also things are quite high at the moment, so then you're also buying in\n\nChannel 1: Yeah.\n\nChannel 0: while\n\nChannel 1: Okay.\n\nChannel 0: it's do you know? So\n\nChannel 1: Do you know what's the current prices, like, physical silver? Do you know?\n\nChannel 0: Not on top of my head. I don't.\n\nChannel 1: Okay.\n\nChannel 0: Let's see if I can find it. Is\n\nChannel 1: Last\n\nChannel 0: it\n\nChannel 1: time\n\nChannel 0: also\n\nChannel 1: I looked,\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: pants\n\nChannel 1: was kinda\n\nChannel 0: on\n\nChannel 1: floating around the 100 mark, but it did jump. Like, I was I didn't buy physical silver, but I was invested in a company that stored physical silver, kinda same as, you know,\n\nChannel 0: The\n\nChannel 1: investing\n\nChannel 0: gold.\n\nChannel 1: in physical gold stores.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Exactly.\n\nChannel 1: they that went up, like, 300% for me in six months. So I don't know if that was just I got lucky with timing, but and it's obviously, it dropped back down to about 100, so that's up to, like, $1.62 or something.\n\nChannel 0: Yeah.\n\nChannel 1: And it's all time. I think I picked it up for, like, around the the $48.50 dollar mark.\n\nChannel 0: Yeah. I'll because I'll have to have a look at Inhub '24, which ones they have available\n\nChannel 1: Yep.\n\nChannel 0: for you. Now I know that they do have silver because we have that sometimes in some of the older client portfolio as well that has a bit more defensive. So we have both gold and silver. And\n\nChannel 1: Yep.\n\nChannel 0: you have gold at the moment, but it is exactly like you said. It is not obviously physical gold. It's through, obviously, the exchange where it's held.\n\nChannel 1: Yes.\n\nChannel 0: So I know it's definitely available within Hub 24. So if it is something that you want added to your portfolio, I can go and do some research and see if we can swap something else out or readjust the percentage.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: To\n\nChannel 1: If you\n\nChannel 0: still\n\nChannel 1: could, that'd\n\nChannel 0: tryna\n\nChannel 1: be awesome.\n\nChannel 0: keep you yeah. So still tryna keep you in a high growth.\n\nChannel 1: Yep.\n\nChannel 0: Now with that, obviously, if we are selling some investments, there will be potential capital gains tax with it as well. But I can go and do the research for you and see if we can incorporate it into your portfolio, but also what that's going to look like in terms of fees, returns, and stuff like that as an overall position. So I can\n\nChannel 1: Okay.\n\nChannel 0: most definitely have a look at that. Now it will take me about a week or so to put everything together. So when is a best time for you to kind of run through that research?\n\nChannel 1: Just yeah. If it's just next week.\n\nChannel 0: Alright. Let me\n\nChannel 1: And\n\nChannel 0: have\n\nChannel 1: any\n\nChannel 0: a look\n\nChannel 1: yeah.\n\nChannel 0: at me.\n\nChannel 1: Just depends. I mean, I can make time.\n\nChannel 0: Okay. Perfect. Let me see. Next week is pretty full, but I do have one slot on Thursday, the seventh, at 11AM. Would that work?\n\nChannel 1: Yeah. Yeah. I can do that.\n\nChannel 0: Yeah? Okay. Perfect. So I'll book you in on Thursday, May 7, at 11AM to have a look at the silver. And then also, because I'm re digging potentially the portfolio, I'll just incorporate the Bennelong switch into that same document\n\nChannel 1: Yep.\n\nChannel 0: so that you can you can see that if we do need to make changes. Because I don't wanna make a straight a straight swap for Bedlam to 8 to a 100. If it is, then we have to take a little bit from that investment to\n\nChannel 1: Yep.\n\nChannel 0: make sure we can then add the silver. So I'll just incorporate all of that into the same one. Would you like a reminder text that's two hours before the appointment in case anything comes\n\nChannel 1: Yes.\n\nChannel 0: up for you?\n\nChannel 1: That is always\n\nChannel 0: Yep.\n\nChannel 1: good. Yeah.\n\nChannel 0: Perfect. So that is all booked in for you. I'm more than happy to do that research and see if we can incorporate that into your portfolio even if it's just a little bit. Have\n\nChannel 1: Yep.\n\nChannel 0: a bit of a look at it. Otherwise, the last part of the annual review is when you do have a moment or if you're happy to do so now, when you click on the document where it says sign now, it will ask you to sign through documents.\n\nChannel 1: Okay.\n\nChannel 0: Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain as a client. Now there\n\nChannel 1: Yep.\n\nChannel 0: is no changes whatsoever in regards to the fee structure. It stays exactly the same at that 1.65 from super. No changes\n\nChannel 1: Yep.\n\nChannel 0: whatsoever in regards to that. And after usual, there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract or exit fees. But for the time being, this lets us keep your account active and manage and make all those changes for you.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: then the last one is there should be a tax file number for myself. It's just a compliant document just to say that we are keeping your tax file number secure and safe on file.\n\nChannel 1: And that's just the document to be signed?\n\nChannel 0: Yes. So when you press the sign now, you should be able to add the signature for those two. And then\n\nChannel 1: I've just got a signed document, but it just took me to this service agreement. I don't have the\n\nChannel 0: Okay. The other one? If it's just the\n\nChannel 1: yeah.\n\nChannel 0: one, that's that's fine. You may have signed the tax time number last time.\n\nChannel 1: I think\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: did.\n\nChannel 0: probably yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now I can see that that has come through on my end, which is great. So I will get the team to to upload that to Hub twenty four. I will go and do the research on your investments. I'll give you a call on Thursday, the seventh, at 11AM, but I will also get the team to email you those beneficiary forms in the meantime so you can then have a look at those. But before I let you go, otherwise, do you have any other questions for me today?\n\nChannel 1: Yep. No. That's all.\n\nChannel 0: No? Okay. Perfect. Well, I will let you go and enjoy the rest of your afternoon, and I look forward to speaking with you on Thursday, the seventh.\n\nChannel 1: No problem. Thanks, Veronica. Appreciate it.\n\nChannel 0: No problem. We'll speak soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.05419248342514038},{"text":"Cody speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.05871032923460007}],"sentiment":"neutral","sentiment_score":0.05720438063144684,"channel":1,"num_words":3,"start":1.12,"end":2.42},{"sentences":[{"text":"Good morning, Cody.","start":3.04,"end":4.0,"sentiment":"positive","sentiment_score":0.3994670510292053},{"text":"This is Veronica from Oakview Financial.","start":4.0,"end":6.1,"sentiment":"neutral","sentiment_score":0.2912924339373906},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.22282923261324564}],"sentiment":"neutral","sentiment_score":0.30122028787930805,"channel":0,"num_words":12,"start":3.04,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.12,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.2641323208808899},{"text":"Good.","start":7.3599997,"end":7.6,"sentiment":"positive","sentiment_score":0.5442310571670532},{"text":"Thank you.","start":7.6,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5520530939102173},{"text":"How are you?","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.3826261063416799}],"sentiment":"positive","sentiment_score":0.4371925549847739,"channel":1,"num_words":7,"start":7.12,"end":8.66},{"sentences":[{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.277523934841156},{"text":"Good.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.523972749710083},{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.607903242111206},{"text":"I had you booked in this morning to go over your annual review.","start":11.12,"end":14.0,"sentiment":"positive","sentiment_score":0.43921919969412},{"text":"Is now still a good time for 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that.","start":1188.1901,"end":1190.6901,"sentiment":"positive","sentiment_score":0.4686345815658569}],"sentiment":"positive","sentiment_score":0.4686345815658569,"channel":0,"num_words":5,"start":1188.1901,"end":1190.6901},{"sentences":[{"text":"Yep.","start":1190.99,"end":1191.49,"sentiment":"neutral","sentiment_score":0.1881897449493408}],"sentiment":"neutral","sentiment_score":0.1881897449493408,"channel":1,"num_words":1,"start":1190.99,"end":1191.49},{"sentences":[{"text":"I'm kind of talking about your portfolio and stuff like that as well.","start":1191.63,"end":1195.445,"sentiment":"neutral","sentiment_score":0.12347232779631248},{"text":"Do you have access to your emails at the moment or not really right now if you're a bit busy?","start":1195.445,"end":1200.265,"sentiment":"neutral","sentiment_score":0.015439142775721847}],"sentiment":"neutral","sentiment_score":0.05799767020807573,"channel":0,"num_words":33,"start":1191.63,"end":1200.265},{"sentences":[{"text":"I do, but it's only in my phone.","start":1203.415,"end":1205.015,"sentiment":"neutral","sentiment_score":0.017815957311540842},{"text":"So it just depends what needs to access.","start":1205.015,"end":1207.435,"sentiment":"neutral","sentiment_score":0.009128031088039279}],"sentiment":"neutral","sentiment_score":0.01347199419979006,"channel":1,"num_words":16,"start":1203.415,"end":1207.435},{"sentences":[{"text":"So I have send you ultimately, it's up to you.","start":1208.66,"end":1210.82,"sentiment":"neutral","sentiment_score":0.1012196734547615},{"text":"I have send you an email with some documents to go 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you don't have any questions, you can let me know.","start":1232.1901,"end":1234.27,"sentiment":"neutral","sentiment_score":0.15260095770160356},{"text":"So it is up to you.","start":1234.27,"end":1235.5701,"sentiment":"neutral","sentiment_score":0.19181852291027704}],"sentiment":"neutral","sentiment_score":0.15223407634256178,"channel":0,"num_words":57,"start":1222.595,"end":1235.5701},{"sentences":[{"text":"Yeah.","start":1235.8351,"end":1236.155,"sentiment":"neutral","sentiment_score":0.18109452724456787},{"text":"That's alright.","start":1236.155,"end":1236.555,"sentiment":"neutral","sentiment_score":0.23405146598815918},{"text":"Well, I've got the email 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little bit messy, but it gives you a portfolio performance report over the last twelve months.","start":1359.985,"end":1366.68,"sentiment":"neutral","sentiment_score":0.09337934186416012},{"text":"Now we've already touched on it already, but, obviously, the market in the last twelve months has been very up and down,","start":1367.16,"end":1373.8201,"sentiment":"neutral","sentiment_score":0.010436228053136305}],"sentiment":"neutral","sentiment_score":0.06060431457738927,"channel":0,"num_words":47,"start":1358.2251,"end":1373.8201},{"sentences":[{"text":"Yep.","start":1374.4651,"end":1374.9651,"sentiment":"neutral","sentiment_score":0.11117143929004668}],"sentiment":"neutral","sentiment_score":0.11117143929004668,"channel":1,"num_words":1,"start":1374.4651,"end":1374.9651},{"sentences":[{"text":"and your portfolio is positioned for the long term.","start":1374.68,"end":1377.4,"sentiment":"neutral","sentiment_score":0.22861561924219131},{"text":"But in the good in a positive way, though, that this despite, obviously, a lot of things have been quite down at the moment and a lot of fluctuation, in the last twelve months, after fees, your portfolio is still up.","start":1377.4,"end":1389.415,"sentiment":"neutral","sentiment_score":0.04519453672010724},{"text":"So it's definitely not","start":1389.415,"end":1390.535,"sentiment":"neutral","sentiment_score":-0.011186635121703146}],"sentiment":"neutral","sentiment_score":0.07158833404106123,"channel":0,"num_words":54,"start":1374.68,"end":1390.535},{"sentences":[{"text":"Yep.","start":1390.4199,"end":1390.9199,"sentiment":"neutral","sentiment_score":0.007572770118713379}],"sentiment":"neutral","sentiment_score":0.007572770118713379,"channel":1,"num_words":1,"start":1390.4199,"end":1390.9199},{"sentences":[{"text":"down.","start":1390.535,"end":1391.035,"sentiment":"neutral","sentiment_score":-0.026947449892759323},{"text":"Now it's up about 4.52%.","start":1391.415,"end":1394.395,"sentiment":"neutral","sentiment_score":0.22445854544639587},{"text":"So, obviously,","start":1394.615,"end":1395.275,"sentiment":"neutral","sentiment_score":0.09412508457899094}],"sentiment":"neutral","sentiment_score":0.16044943081215024,"channel":0,"num_words":8,"start":1390.535,"end":1395.275},{"sentences":[{"text":"Okay.","start":1395.0599,"end":1395.5599,"sentiment":"neutral","sentiment_score":0.11751091480255128}],"sentiment":"neutral","sentiment_score":0.11751091480255128,"channel":1,"num_words":1,"start":1395.0599,"end":1395.5599},{"sentences":[{"text":"we would like to see that increase, but","start":1395.335,"end":1398.62,"sentiment":"neutral","sentiment_score":0.12609407864511013}],"sentiment":"neutral","sentiment_score":0.12609407864511013,"channel":0,"num_words":8,"start":1395.335,"end":1398.62},{"sentences":[{"text":"Yes.","start":1398.585,"end":1399.085,"sentiment":"neutral","sentiment_score":0.2435806691646576}],"sentiment":"neutral","sentiment_score":0.2435806691646576,"channel":1,"num_words":1,"start":1398.585,"end":1399.085},{"sentences":[{"text":"in kind of looking at the portfolio this year, the the key theme is that your your position is growing, and it is working as intended.","start":1398.62,"end":1408.24,"sentiment":"positive","sentiment_score":0.4622271811732879},{"text":"Now when we do look at the individual investments, a lot of the the bigger growth is coming from your core global and thematic exposures.","start":1409.325,"end":1418.5449,"sentiment":"neutral","sentiment_score":0.1477572962641716},{"text":"But you","start":1419.245,"end":1419.645,"sentiment":"neutral","sentiment_score":0.24716214835643768}],"sentiment":"neutral","sentiment_score":0.30577666818533306,"channel":0,"num_words":53,"start":1398.62,"end":1419.645},{"sentences":[{"text":"Yep.","start":1419.64,"end":1420.14,"sentiment":"neutral","sentiment_score":0.2698785960674286}],"sentiment":"neutral","sentiment_score":0.2698785960674286,"channel":1,"num_words":1,"start":1419.64,"end":1420.14},{"sentences":[{"text":"can see that, for example, The US exposure through the S and P 500 have kind of stood out to us again and delivered a good solid double digit growth, which is good.","start":1419.645,"end":1431.3301,"sentiment":"positive","sentiment_score":0.46929106071139826},{"text":"And we've","start":1431.55,"end":1432.1101,"sentiment":"positive","sentiment_score":0.3955605924129486}],"sentiment":"positive","sentiment_score":0.465077891094344,"channel":0,"num_words":35,"start":1419.645,"end":1432.1101},{"sentences":[{"text":"Yep.","start":1431.845,"end":1432.345,"sentiment":"positive","sentiment_score":0.33981072902679443}],"sentiment":"positive","sentiment_score":0.33981072902679443,"channel":1,"num_words":1,"start":1431.845,"end":1432.345},{"sentences":[{"text":"also seen pretty good performance from some of the other factors and the alternative exposures like your Rafi Australian strategy.","start":1432.1101,"end":1439.2051,"sentiment":"positive","sentiment_score":0.3915520742535591},{"text":"Gold have also done really well, and that's","start":1439.345,"end":1441.985,"sentiment":"positive","sentiment_score":0.534804031252861}],"sentiment":"positive","sentiment_score":0.43248120482478825,"channel":0,"num_words":28,"start":1432.1101,"end":1441.985},{"sentences":[{"text":"Yep.","start":1441.86,"end":1442.36,"sentiment":"positive","sentiment_score":0.4663143157958984}],"sentiment":"positive","sentiment_score":0.4663143157958984,"channel":1,"num_words":1,"start":1441.86,"end":1442.36},{"sentences":[{"text":"kind of helped build the portfolio.","start":1441.985,"end":1444.0851,"sentiment":"positive","sentiment_score":0.5172600547472636},{"text":"Now at the same time, there are few areas that kind of have lagged a little bit, and some of these are your cyclical and emerging markets, which","start":1444.865,"end":1453.74,"sentiment":"neutral","sentiment_score":-0.02732032327912748}],"sentiment":"neutral","sentiment_score":0.06878209637258859,"channel":0,"num_words":34,"start":1441.985,"end":1453.74},{"sentences":[{"text":"Okay.","start":1453.5951,"end":1454.0951,"sentiment":"neutral","sentiment_score":-0.0032349862158298492}],"sentiment":"neutral","sentiment_score":-0.0032349862158298492,"channel":1,"num_words":1,"start":1453.5951,"end":1454.0951},{"sentences":[{"text":"is not out of the norm because they are kind of positioned as well in different segments throughout the high growth portfolio.","start":1453.74,"end":1461.68,"sentiment":"neutral","sentiment_score":0.059191868555816735},{"text":"So at different points in time, depending on what is going on in the market, there's obviously some that's going to grow a little bit more and some that's not and kind of negating each other.","start":1461.74,"end":1471.015,"sentiment":"neutral","sentiment_score":-0.06674708539827003}],"sentiment":"neutral","sentiment_score":-0.018977137346719873,"channel":0,"num_words":58,"start":1453.74,"end":1471.015},{"sentences":[{"text":"Yeah.","start":1471.65,"end":1472.15,"sentiment":"neutral","sentiment_score":-0.012790625914931296}],"sentiment":"neutral","sentiment_score":-0.012790625914931296,"channel":1,"num_words":1,"start":1471.65,"end":1472.15},{"sentences":[{"text":"But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed.","start":1471.875,"end":1492.01,"sentiment":"neutral","sentiment_score":0.0915869701653719},{"text":"So we've got a lot of research at the moment and the investment committee as well on one of the investments in your portfolio, which is your Benelung Australian equity.","start":1492.735,"end":1501.875,"sentiment":"neutral","sentiment_score":0.12984648905694485}],"sentiment":"neutral","sentiment_score":0.10509032977416236,"channel":0,"num_words":85,"start":1471.875,"end":1501.875},{"sentences":[{"text":"Yes.","start":1502.72,"end":1503.22,"sentiment":"neutral","sentiment_score":0.09994034469127656}],"sentiment":"neutral","sentiment_score":0.09994034469127656,"channel":1,"num_words":1,"start":1502.72,"end":1503.22},{"sentences":[{"text":"So I'm not sure if you're too familiar with that investment, but that is one of your managed funds.","start":1503.135,"end":1508.2749,"sentiment":"neutral","sentiment_score":0.059890821183982645},{"text":"And the purpose to find that is to actively buy and sell different investments in order to try to outperform the market.","start":1508.55,"end":1515.05,"sentiment":"neutral","sentiment_score":0.11710927093570883}],"sentiment":"neutral","sentiment_score":0.09059340397759182,"channel":0,"num_words":41,"start":1503.135,"end":1515.05},{"sentences":[{"text":"Okay.","start":1516.025,"end":1516.525,"sentiment":"neutral","sentiment_score":0.046937890350818634}],"sentiment":"neutral","sentiment_score":0.046937890350818634,"channel":1,"num_words":1,"start":1516.025,"end":1516.525},{"sentences":[{"text":"And more recently, they have underperformed a little 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that","start":1523.945,"end":1527.945,"sentiment":"neutral","sentiment_score":-0.04195743692772729}],"sentiment":"neutral","sentiment_score":-0.1393647329615695,"channel":0,"num_words":28,"start":1520.15,"end":1527.945},{"sentences":[{"text":"Yep.","start":1527.9375,"end":1528.4375,"sentiment":"neutral","sentiment_score":-0.02871057949960232}],"sentiment":"neutral","sentiment_score":-0.02871057949960232,"channel":1,"num_words":1,"start":1527.9375,"end":1528.4375},{"sentences":[{"text":"we would like to change.","start":1527.945,"end":1529.565,"sentiment":"neutral","sentiment_score":-0.0919382244348526},{"text":"So if you are happy to do so, we have done obviously, a lot of comparisons because if we're swapping one Australian equity component, we obviously wanna replace it with another Australian investment to still give you that 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diversification.","start":1543.79,"end":1551.89,"sentiment":"neutral","sentiment_score":0.2502022311091423}],"sentiment":"neutral","sentiment_score":0.2502022311091423,"channel":0,"num_words":28,"start":1543.79,"end":1551.89},{"sentences":[{"text":"Yep.","start":1553.19,"end":1553.69,"sentiment":"neutral","sentiment_score":0.17059771716594696}],"sentiment":"neutral","sentiment_score":0.17059771716594696,"channel":1,"num_words":1,"start":1553.19,"end":1553.69},{"sentences":[{"text":"So we have found another one, which is the BetaShares two hundred Australia.","start":1553.305,"end":1560.125,"sentiment":"neutral","sentiment_score":0.1802850766823842}],"sentiment":"neutral","sentiment_score":0.1802850766823842,"channel":0,"num_words":13,"start":1553.305,"end":1560.125},{"sentences":[{"text":"Yep.","start":1561.11,"end":1561.61,"sentiment":"neutral","sentiment_score":0.2678639888763428}],"sentiment":"neutral","sentiment_score":0.2678639888763428,"channel":1,"num_words":1,"start":1561.11,"end":1561.61},{"sentences":[{"text":"It's a bit cheaper than your Benelon because it doesn't have the same active component, but also kind of a bit more steady.","start":1561.545,"end":1568.12,"sentiment":"neutral","sentiment_score":0.2489720906900323},{"text":"So you don't have the same kind of volatility as the Venelon investment and have performed a little bit better.","start":1568.12,"end":1573.66,"sentiment":"neutral","sentiment_score":0.20348836109042168}],"sentiment":"neutral","sentiment_score":0.22781686762044595,"channel":0,"num_words":43,"start":1561.545,"end":1573.66},{"sentences":[{"text":"Yep.","start":1574.2251,"end":1574.7251,"sentiment":"neutral","sentiment_score":0.283386766910553}],"sentiment":"neutral","sentiment_score":0.283386766910553,"channel":1,"num_words":1,"start":1574.2251,"end":1574.7251},{"sentences":[{"text":"But it still gives you exposures to the 200 largest companies listed in Australia.","start":1574.28,"end":1578.52,"sentiment":"positive","sentiment_score":0.4186008466141565},{"text":"So it still gives you really good 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with.","start":1582.135,"end":1598.37,"sentiment":"positive","sentiment_score":0.3476459490864173}],"sentiment":"positive","sentiment_score":0.3476459490864173,"channel":0,"num_words":46,"start":1582.135,"end":1598.37},{"sentences":[{"text":"Yeah.","start":1599.555,"end":1599.875,"sentiment":"neutral","sentiment_score":0.2080792784690857},{"text":"Yeah.","start":1599.875,"end":1600.115,"sentiment":"neutral","sentiment_score":0.2460055351257324},{"text":"Definitely.","start":1600.115,"end":1600.615,"sentiment":"neutral","sentiment_score":0.2941977381706238}],"sentiment":"neutral","sentiment_score":0.2494275172551473,"channel":1,"num_words":3,"start":1599.555,"end":1600.615},{"sentences":[{"text":"Yes.","start":1600.3501,"end":1600.75,"sentiment":"neutral","sentiment_score":0.30187827348709106},{"text":"Okay.","start":1600.75,"end":1601.0701,"sentiment":"positive","sentiment_score":0.384733110666275},{"text":"Perfect.","start":1601.0701,"end":1601.5701,"sentiment":"neutral","sentiment_score":0.21644346415996552},{"text":"Now you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done.","start":1601.7101,"end":1611.495,"sentiment":"neutral","sentiment_score":0.174257122199325},{"text":"And the good","start":1611.7949,"end":1612.2749,"sentiment":"positive","sentiment_score":0.5605158309141794}],"sentiment":"neutral","sentiment_score":0.212733612395823,"channel":0,"num_words":40,"start":1600.3501,"end":1612.2749},{"sentences":[{"text":"Yep.","start":1612.25,"end":1612.75,"sentiment":"positive","sentiment_score":0.5584447383880615}],"sentiment":"positive","sentiment_score":0.5584447383880615,"channel":1,"num_words":1,"start":1612.25,"end":1612.75},{"sentences":[{"text":"thing as well, because the Benelon is down a little bit, there won't be any capital gains tax with making the change, which is 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email.","start":1621.42,"end":1623.5,"sentiment":"positive","sentiment_score":0.38597587049007415},{"text":"Now it might be sometime next week that it comes through.","start":1623.5,"end":1626.9601,"sentiment":"neutral","sentiment_score":0.2528048929843036},{"text":"But, yeah, just just keep a lookout for that to come through, and we will get that sorted for you.","start":1627.1001,"end":1632.0,"sentiment":"neutral","sentiment_score":0.31338471099734305}],"sentiment":"neutral","sentiment_score":0.32788089333578596,"channel":0,"num_words":43,"start":1620.54,"end":1632.0},{"sentences":[{"text":"Yep.","start":1632.325,"end":1632.4049,"sentiment":"neutral","sentiment_score":0.2105303704738617},{"text":"Cool.","start":1632.4049,"end":1632.9049,"sentiment":"neutral","sentiment_score":0.2846280336380005}],"sentiment":"neutral","sentiment_score":0.2475792020559311,"channel":1,"num_words":2,"start":1632.325,"end":1632.9049},{"sentences":[{"text":"Any other questions so far?","start":1632.54,"end":1634.06,"sentiment":"neutral","sentiment_score":0.1496702402830124},{"text":"That's pretty straightforward.","start":1634.06,"end":1635.04,"sentiment":"neutral","sentiment_score":0.2714430292447408}],"sentiment":"neutral","sentiment_score":0.19533503614366055,"channel":0,"num_words":8,"start":1632.54,"end":1635.04},{"sentences":[{"text":"No.","start":1636.4299,"end":1636.67,"sentiment":"neutral","sentiment_score":0.061106666922569275},{"text":"That's all.","start":1636.67,"end":1637.07,"sentiment":"neutral","sentiment_score":0.05377941019833088},{"text":"I do have a question just because, like, in my personal","start":1637.07,"end":1641.33,"sentiment":"neutral","sentiment_score":0.06149782138791951}],"sentiment":"neutral","sentiment_score":0.060367251613310406,"channel":1,"num_words":14,"start":1636.4299,"end":1641.33},{"sentences":[{"text":"Mhmm.","start":1642.355,"end":1642.855,"sentiment":"neutral","sentiment_score":0.044365961104631424}],"sentiment":"neutral","sentiment_score":0.044365961104631424,"channel":0,"num_words":1,"start":1642.355,"end":1642.855},{"sentences":[{"text":"investments that I just do","start":1643.39,"end":1644.99,"sentiment":"neutral","sentiment_score":0.057723677903413775}],"sentiment":"neutral","sentiment_score":0.057723677903413775,"channel":1,"num_words":5,"start":1643.39,"end":1644.99},{"sentences":[{"text":"Mhmm.","start":1644.8351,"end":1645.3351,"sentiment":"neutral","sentiment_score":0.07525229454040527}],"sentiment":"neutral","sentiment_score":0.07525229454040527,"channel":0,"num_words":1,"start":1644.8351,"end":1645.3351},{"sentences":[{"text":"privately, I've got saw a lot of growth through silver this 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I can see that that has come through on my end, which is great.","start":2111.2449,"end":2114.25,"sentiment":"positive","sentiment_score":0.7294439474741617},{"text":"So I will get the team to to upload that to Hub twenty four.","start":2114.33,"end":2118.03,"sentiment":"positive","sentiment_score":0.4195161248956408},{"text":"I will go and do the research on your investments.","start":2118.33,"end":2121.15,"sentiment":"positive","sentiment_score":0.3345247745513916},{"text":"I'll give you a call on Thursday, the seventh, at 11AM, but I will also get the team to email you those beneficiary forms in the meantime so you can then have a look at those.","start":2121.93,"end":2132.345,"sentiment":"neutral","sentiment_score":0.2298759441408846},{"text":"But before I let you go, otherwise, do you have any other questions for me today?","start":2132.345,"end":2137.325,"sentiment":"neutral","sentiment_score":0.09333318122662604}],"sentiment":"neutral","sentiment_score":0.3288900834600349,"channel":0,"num_words":91,"start":2111.2449,"end":2137.325},{"sentences":[{"text":"Yep.","start":2137.025,"end":2137.525,"sentiment":"neutral","sentiment_score":0.05423840880393982},{"text":"No.","start":2137.905,"end":2138.145,"sentiment":"neutral","sentiment_score":-0.06271910667419434},{"text":"That's all.","start":2138.145,"end":2138.7,"sentiment":"neutral","sentiment_score":-0.08464787900447845}],"sentiment":"neutral","sentiment_score":-0.044444113969802856,"channel":1,"num_words":4,"start":2137.025,"end":2138.7},{"sentences":[{"text":"No?","start":2138.905,"end":2139.225,"sentiment":"neutral","sentiment_score":-0.05476107820868492},{"text":"Okay.","start":2139.225,"end":2139.705,"sentiment":"neutral","sentiment_score":0.23525819182395935},{"text":"Perfect.","start":2139.705,"end":2140.105,"sentiment":"positive","sentiment_score":0.6005890965461731},{"text":"Well, I will let you go and enjoy the rest of your afternoon, and I look forward to speaking with you on Thursday, the seventh.","start":2140.105,"end":2146.6501,"sentiment":"positive","sentiment_score":0.6451508247852326}],"sentiment":"positive","sentiment_score":0.6039234582068664,"channel":0,"num_words":28,"start":2138.905,"end":2146.6501},{"sentences":[{"text":"No problem.","start":2147.033,"end":2147.593,"sentiment":"positive","sentiment_score":0.5932321846485138},{"text":"Thanks, Veronica.","start":2147.593,"end":2148.3928,"sentiment":"positive","sentiment_score":0.7546423971652985},{"text":"Appreciate it.","start":2148.3928,"end":2149.293,"sentiment":"positive","sentiment_score":0.8109723329544067}],"sentiment":"positive","sentiment_score":0.719615638256073,"channel":1,"num_words":6,"start":2147.033,"end":2149.293},{"sentences":[{"text":"No problem.","start":2149.4302,"end":2149.99,"sentiment":"positive","sentiment_score":0.46178658306598663},{"text":"We'll speak soon.","start":2149.99,"end":2150.97,"sentiment":"positive","sentiment_score":0.3745546241601308},{"text":"Thanks.","start":2152.1501,"end":2152.6501,"sentiment":"positive","sentiment_score":0.670924186706543},{"text":"Bye.","start":2152.7102,"end":2153.2102,"sentiment":"neutral","sentiment_score":-0.11104899644851685}],"sentiment":"positive","sentiment_score":0.3724446041243417,"channel":0,"num_words":7,"start":2149.4302,"end":2153.2102}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers about their annual reviews, personal information, employment history, and finances. They advise customers to weigh up the cost of their health insurance and consider their financial situation. The speakers also discuss changes to marketing and retirement goals, and provide information on investments and a new investment, Benelung Australian equity, and growth in the long term. They suggest researching investments and adding them to their portfolios, and offer follow-up calls to make necessary changes."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect.","start_word":53,"end_word":82,"intents":[{"intent":"Confirm call recording","confidence_score":0.034584284}]},{"text":"And just to confirm I am Yep. speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address for me, please? Yep.","start_word":83,"end_word":116,"intents":[{"intent":"Confirm identity","confidence_score":0.16625881}]},{"text":"I think the address previously was 73 Waybaw Street, Sunshine, but I asked him to change it to 9 Bartlett Road, Newstville. Yep. So Perfect.","start_word":127,"end_word":151,"intents":[{"intent":"Confirm address","confidence_score":0.110494554}]},{"text":"We have updated that on our records already, so thank you for confirming both of them. Now before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or whether it's just a bit of a catch up and see kind of what happened in the last twelve months or so? Yeah.","start_word":165,"end_word":238,"intents":[{"intent":"Provide update","confidence_score":0.0036585545}]},{"text":"So what I will do first, Cody, is just to run through a bit of the updated pipeline with you just to see if there's anything major that has changed in your life, if we do need to make any changes to your advice.","start_word":254,"end_word":297,"intents":[{"intent":"Review pipeline","confidence_score":0.03629089}]},{"text":"And next up, Keen, I have Brooke nominated. That's still the case as well? No.","start_word":342,"end_word":356,"intents":[{"intent":"Confirm future nomination","confidence_score":0.0032076973}]},{"text":"Can I change that, please? Yes.","start_word":358,"end_word":363,"intents":[{"intent":"Change contact information","confidence_score":0.11067935}]},{"text":"Because I can have a quick look otherwise in your account. Do you know how often typically they will make contribution otherwise?","start_word":737,"end_word":758,"intents":[{"intent":"Analyze account contributions","confidence_score":0.04437461}]},{"text":"Do you have any other new assets otherwise? Motorbikes or boats or anything else? No. No. Perfect. And any liabilities, like personal loans, credit cards, ZipPay? No.","start_word":1084,"end_word":1110,"intents":[{"intent":"Identify personal assets","confidence_score":0.00009627972}]},{"text":"Like, for example, I went to the dentist with my my ex partner, and we have dental under our private health. I got a routine clean, which took about twelve minutes. She was in there for an hour and got a bunch of stuff done, and she didn't have to pay anything, and I had to pay a $180. So I just called him up that day and said, it's a joke. I don't want it anymore.","start_word":1549,"end_word":1625,"intents":[{"intent":"Address dentist concerns","confidence_score":0.00000696129}]},{"text":"And the for majority of people, the only reason they have it is to not pay additional tax.","start_word":1728,"end_word":1745,"intents":[{"intent":"Clarify tax requirements","confidence_score":0.10860578}]},{"text":"Otherwise, I guess, when it come comes to goals, stuff that you are working towards, you obviously have a bit going on work wise. Yep. But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment? Yes. Yeah.","start_word":2554,"end_word":2616,"intents":[{"intent":"Discuss financial goals","confidence_score":0.020201433},{"intent":"Ask about current financial goals","confidence_score":0.003014251}]},{"text":"But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment? Yes. Yeah.","start_word":2579,"end_word":2616,"intents":[{"intent":"Discuss current investments","confidence_score":0.0000014973161}]},{"text":"And I have here as well, I guess, more medium can. to long term. The goal is to buy a property. Is that still kind of something that you are wanting to do down the track?","start_word":2692,"end_word":2727,"intents":[{"intent":"Inquire about potential transactions","confidence_score":0.000013904201}]},{"text":"And I know last time, we kind of went through a couple of questions to see how your risks and and everything was, how you felt about everything. Has Yep. any of that changed for you, or are you still kind of comfortable with the same level of risk and position for your superannuation?","start_word":2797,"end_word":2850,"intents":[{"intent":"Assess superannuation portfolio risk levels","confidence_score":0.00012120403}]},{"text":"I'm kind of talking about your portfolio and stuff like that as well.","start_word":3289,"end_word":3301,"intents":[{"intent":"Discuss portfolio","confidence_score":0.33545578}]},{"text":"I have send you an email with some documents to go through.","start_word":3348,"end_word":3359,"intents":[{"intent":"Obtain documents","confidence_score":0.006254803}]},{"text":"Before so we have recently changed the the software, so it might look a little bit different to the last annual review. But, essentially, in the email, before you click on the link where it says sign now, at Yep. the bottom of the email, can you see a couple of attachments? Yeah.","start_word":3478,"end_word":3530,"intents":[{"intent":"Update software","confidence_score":0.19254947}]},{"text":"So at the moment, you obviously have your superannuation in Hub 24, and you do have about $42,832 in there. And you don't Yep. have any insurances at the moment. Are you still None. obviously comfortable without insurances? Yep. Yeah.","start_word":3731,"end_word":3770,"intents":[{"intent":"Confirm ownership of insurances","confidence_score":0.00027820806}]},{"text":"So it might look a little bit messy, but it gives you a portfolio performance report over the last twelve months.","start_word":3821,"end_word":3841,"intents":[{"intent":"Explore portfolio growth and trends","confidence_score":0.000001098872}]},{"text":"But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed.","start_word":4152,"end_word":4206,"intents":[{"intent":"Change investment strategy","confidence_score":0.02316771}]},{"text":"Now you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done. And the good Yep.","start_word":4528,"end_word":4565,"intents":[{"intent":"Update investment information","confidence_score":0.015115835}]},{"text":"If it is something that you want, we can do some more research on it and see how we can fit it into your portfolio. The only thing Yep.","start_word":4883,"end_word":4911,"intents":[{"intent":"Explore portfolio options","confidence_score":0.038247533}]},{"text":"And then also, because I'm re digging potentially the portfolio, I'll just incorporate the Bennelong switch into that same document Yep. so that you can you can see that if we do need to make changes.","start_word":5595,"end_word":5630,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.04583692}]},{"text":"So I'll just incorporate all of that into the same one.","start_word":5672,"end_word":5682,"intents":[{"intent":"Integrate silver","confidence_score":0.03667809}]},{"text":"Would you like a reminder text that's two hours before the appointment in case anything comes Yes.","start_word":5683,"end_word":5699,"intents":[{"intent":"Request reminder text","confidence_score":0.1305573}]},{"text":"Otherwise, the last part of the annual review is when you do have a moment or if you're happy to do so now, when you click on the document where it says sign now, it will ask you to sign through documents. Okay.","start_word":5752,"end_word":5794,"intents":[{"intent":"Discuss annual review","confidence_score":0.036982894},{"intent":"Sign documents","confidence_score":0.103043005}]},{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain as a client. Now there Yep.","start_word":5795,"end_word":5821,"intents":[{"intent":"Remain as client","confidence_score":0.008560132}]},{"text":"So when you press the sign now, you should be able to add the signature for those two.","start_word":5947,"end_word":5964,"intents":[{"intent":"Confirm sign-in","confidence_score":0.0070864055},{"intent":"Confirm sign","confidence_score":0.01729935},{"intent":"Add signature","confidence_score":0.25040698}]}]},"sentiments":{"segments":[{"text":"Hello. Cody speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05720438063144684},{"text":"Good morning, Cody.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4047822952270508},{"text":"This is Veronica from Oakview Financial. How are you? Yeah.","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.262663334608078},{"text":"Good. Thank you. How are you?","start_word":16,"end_word":21,"sentiment":"positive","sentiment_score":0.4716351330280304},{"text":"Yeah.","start_word":22,"end_word":22,"sentiment":"neutral","sentiment_score":0.277523934841156},{"text":"Good. Thanks. I had you booked in this morning to go over your annual review. Is now still a good time for you?","start_word":23,"end_word":45,"sentiment":"positive","sentiment_score":0.428978979587555},{"text":"Yeah.","start_word":46,"end_word":46,"sentiment":"neutral","sentiment_score":0.2704993188381195},{"text":"Yeah. That's all good. Yes. Perfect.","start_word":47,"end_word":52,"sentiment":"positive","sentiment_score":0.47699615359306335},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am Yep. speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address for me, please? Yep. Cody William Delaney. Thirty zero eight ninety nine. And Yep. I think the address previously was 73 Waybaw Street, Sunshine, but I asked him to change it to 9 Bartlett Road, Newstville. Yep. So Perfect. do we want And that's those one two? yeah. 1Slash9? Yeah. Yep. No. We have updated that on our records already, so thank you for confirming both of them. Now before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or whether it's just a bit of a catch up and see kind of what happened in the last twelve months or so? Yeah. Not really. Just just to catch up and say how Just it's going. yeah. Perfect. So what I will do first, Cody, is just to run through a bit of the updated pipeline with you just to see if there's anything major that has changed in your life, if we do need to make any changes to your advice. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as in our de facto relationship with no financial dependents. Is that still the case? Yeah. Yep. Perfect. And next up, Keen, I have Brooke nominated. That's still the case as well? No. Can I change that, please? Yes.","start_word":53,"end_word":362,"sentiment":"neutral","sentiment_score":0.03715288211261072},{"text":"Perfect.","start_word":363,"end_word":363,"sentiment":"positive","sentiment_score":0.5314209461212158},{"text":"Now who would you like to change this to? Jessica Lacey. So Jessica Lacey, l e a c y. K.","start_word":364,"end_word":383,"sentiment":"neutral","sentiment_score":0.061246003955602646},{"text":"Perfect.","start_word":384,"end_word":384,"sentiment":"positive","sentiment_score":0.3624117970466614},{"text":"And best phone number? 0413 Yep. 121 Yep. 802. Let me just check that. Yep. Perfect. Yeah. Otherwise, 041 that's 312 good memory. 1802. Yep. Yeah. Perfect. And and relationship to yourself, is that your partner? Yep. Yep. Perfect. I'll update that. Otherwise, when it comes to employment, has any of that changed or still working as a operation manager? Yeah. No. I'm no longer there. I just work myself, so I just have I just contract to a few different companies. So my income is roughly the same. Sometimes it's more per week. Sometimes it's less, but it's I don't know if you wanted to average, like, $11.11 1,200 after tax, something like that. 1,000 to 1,200 after tax. Perfect. Per week? Yeah. Yes. Perfect. Per week after that. Are you still doing the same kind of role aside from you are now obviously contracted, or are you doing, like, a different occupation altogether? No. So I still work for do contracting for Raw. Yep. Not the same role, but just some some stuff for their learning management system and kind of back end back of house stuff. And then I also just work at my the old gin distillery. I used to work out before Yes. then. So I just worked for them three days a week because they're just short on staff. Yep. And I do some bit of marketing on the side and a little bit of consulting for my friend's catering company as well. Alright.","start_word":385,"end_word":634,"sentiment":"neutral","sentiment_score":0.004423750564455986},{"text":"Perfect. Well, that will keep you at least very varied. It won't be boring for you. Nice.","start_word":635,"end_word":651,"sentiment":"positive","sentiment_score":0.4171827733516693},{"text":"Yeah. And so with the the contract with them as well, do any of them pay you contributions, or is it just completely self employed and then it's up to you to actually make contributions yourself? No. They they do pay contributions. I'm just I'll just have to confirm that the raw the the Okay. consulting for the LMS system because they've just got a few outstanding invoices that haven't been paid yet. So Okay. I'm not sure if that will contribute or not. Okay. Because I can have a quick look otherwise in your account. Do you know how often typically they will make contribution otherwise? It should be every week. Every week? Okay. Perfect. Yeah. But this yeah. This contract, I only got time a couple of weeks ago, so that's Yeah. why Okay. they haven't come through yet. No. That's okay. Because, yeah, I'm having a look at your account at the moment. I can't see anything. Okay. The last thing I can see is from the distillery company on the February 3, and that was 2,902. Yeah. Yeah. Okay. So they yeah. They still contribute normally. And then yeah. Any other job that I'm doing, they'll contribute. Yeah. Yep. Okay.","start_word":652,"end_word":855,"sentiment":"neutral","sentiment_score":-0.011718436518647507},{"text":"Great. Perfect.","start_word":856,"end_word":857,"sentiment":"positive","sentiment_score":0.5261543989181519},{"text":"So overall, even though it is obviously changing a little bit income wise per week, you will still like, if you do the 11 to 1,200 per week after tax, that pretax amount, you would still get the standard 12% contribution in total. It's just from different places. Yes. Is that correct? Yeah. Okay. Perfect. I have here as well savings per week about 400 where possible. Is that still kind of where things are at? Maybe just make it 300 worth of hospitals. Right. I've just had yeah. Yeah. Quite a lot of heavy expenses happening. No. So That's alright. it's not much savings thing going on, but it should be fine after Yeah. this week. No. That's all good. Otherwise, asset wise, I have here motor vehicle right at about 60,000 with about 40 owing. Yeah. It'd be a bit more owing. I don't know if there's a better vehicle on there. It just says motor vehicle. Okay. Probably just do just do the same 50, but it's about 50 owing because I sold that car and I got a different one. Okay. Perfect. But the new one is also still kind of valued at about 60? Yes. It's it's Yeah.","start_word":858,"end_word":1060,"sentiment":"neutral","sentiment_score":0.029064335057447696},{"text":"insured for a great value of CCS. Yeah. Okay. Perfect.","start_word":1061,"end_word":1070,"sentiment":"positive","sentiment_score":0.44105064868927},{"text":"And I also have jewelry of about 20,000. Yeah. That's correct. Yep.","start_word":1071,"end_word":1082,"sentiment":"neutral","sentiment_score":0.23131611943244937},{"text":"Perfect.","start_word":1083,"end_word":1083,"sentiment":"positive","sentiment_score":0.4003083109855652},{"text":"Do you have any other new assets otherwise? Motorbikes or boats or anything else? No. No. Perfect. And any liabilities, like personal loans, credit cards, ZipPay? No. That's perfect. Now health and lifestyle wise, I have you here just as a social smoker, mainly just when you're drinking. Is that still kind of the case as well? Yeah. I mean yeah. Yes. I I've know. been Yeah. a bit No. stressful recently, so maybe a bit more than that, but it's Yeah. not like yeah. I'm not a I'm not a heavy smoker. I'll put it that way. Yeah. No. Perfect. And otherwise, health wise, how's your lower back pains and everything going? Yeah. The same. Still the same? That'll Okay. never go away. It's yeah. It's chronic lower back pain, so Yeah. And and you're degenerative still seeing a arthritis. specialist? Okay. Arthritis. Yep. And are you Yeah. still kind of regular thing, like, a specialist or a No. doctor or physio? Right? No.","start_word":1084,"end_word":1248,"sentiment":"neutral","sentiment_score":-0.02155875787138939},{"text":"Because I've spent way too much time and time paying people Mhmm. to try and figure it out, and no one can give me an answer.","start_word":1249,"end_word":1274,"sentiment":"negative","sentiment_score":-0.36889371275901794},{"text":"So I'm just Yep.","start_word":1275,"end_word":1278,"sentiment":"neutral","sentiment_score":-0.29138123989105225},{"text":"living with it because it just started to frustrate me too much.","start_word":1279,"end_word":1290,"sentiment":"negative","sentiment_score":-0.5072231292724609},{"text":"Yeah. And it's manageable in a way. Like, you obviously can work and stuff. Obviously, it's not pleasant, Yeah. Yeah. Yeah. Yeah. but It's but just you can it's work. annoying, but, yeah, it's fine. Okay. Otherwise, any changes to your health otherwise? No. No. Not No. that I can think of. No. No. That's that's good. And do you have private health insurance? No. I don't.","start_word":1291,"end_word":1357,"sentiment":"neutral","sentiment_score":-0.08332347869873047},{"text":"I got rid of it because it was a bit of a joke, to be honest.","start_word":1358,"end_word":1373,"sentiment":"negative","sentiment_score":-0.4555969834327698},{"text":"Yep. No. That's fair enough. And with your income, you should be under the threshold anyway. If it is that your income does increase quite a bit, I've just been mindful as well of if you don't have hospital coverage, you might be eligible to pay for the additional medical levy surcharge. So, obviously, additional tax if you don't have private health insurance, but the way things are at the moment, you should be all good. But, yeah, if if your income does increase, it's worth considering. Obviously, you have to then weigh up the cost of your private health versus how much the medical levy would be and then, obviously, make a decision. Yeah. I mean, honestly, I'd rather just put money away every week, Yep. you know, the equivalent of what the private health would be. Because when I did have private health, Yep.","start_word":1374,"end_word":1519,"sentiment":"neutral","sentiment_score":-0.07324251532554626},{"text":"it's just a bit of a rort, to be honest.","start_word":1520,"end_word":1529,"sentiment":"negative","sentiment_score":-0.4485860168933869},{"text":"Like, you Yes.","start_word":1530,"end_word":1532,"sentiment":"neutral","sentiment_score":-0.11654581874608994},{"text":"No. you I don't feel you. get I didn't get any I didn't get anything extra.","start_word":1533,"end_word":1548,"sentiment":"negative","sentiment_score":-0.439361035823822},{"text":"Like, for example, I went to the dentist with my my ex partner, and we have dental under our private health. I got a routine clean, which took about twelve minutes. She was in there for an hour and got a bunch of stuff done, and she didn't have to pay anything, and I had to pay a $180.","start_word":1549,"end_word":1607,"sentiment":"neutral","sentiment_score":-0.2032022774219513},{"text":"So I just called him up that day and said, it's a joke. I don't want it anymore.","start_word":1608,"end_word":1625,"sentiment":"negative","sentiment_score":-0.5626971125602722},{"text":"Yeah. Yep.","start_word":1626,"end_word":1627,"sentiment":"neutral","sentiment_score":-0.2122774124145508},{"text":"Like, everything that you think or you would assume that private health would cover, they somehow get out of doing it.","start_word":1628,"end_word":1648,"sentiment":"negative","sentiment_score":-0.4271097183227539},{"text":"So, yeah, I'd rather just put money into an account for, you know, if something Yep.","start_word":1649,"end_word":1664,"sentiment":"neutral","sentiment_score":-0.271525114774704},{"text":"something like that happened because I just think it's I just think it's a rip off.","start_word":1665,"end_word":1680,"sentiment":"negative","sentiment_score":-0.7137773036956787},{"text":"Yep. I'm super sure most people feel very much the same, and the only reason why obviously, some people do depending on which level who you're with and the level of cover you have, but a lot of people I Yeah. speak to, it is the same. And the for majority of people, the only reason they have it is to not pay additional tax. Just for your Got reference, it. Okay. if in a single threshold, if your income for this financial year exceeds a 101,000, you will have to if your income is under a 101,000, you don't have to pay any additional tax. If it's Yep. over a $101,101,000, you have to pay 1%. Over 118 is 1.25, and then a 150 Okay. 8,000 and more is 1.5. So if Yeah. it does Okay. get through that point, like, if you do go above a 101,000, sometimes it's worth just doing the math because I know some clients, especially as your income gets higher, paying Yeah. for private health insurance is cheaper than the additional tax they pay. So, yes, you might not see them, the value in it. But if it means you pay less tax, Yep. it's something to consider. But the way things are right now, you should be under it. Yeah. But, But yes, I just won't go just over it be to this mindful. phone until you for sure. Okay.","start_word":1681,"end_word":1918,"sentiment":"neutral","sentiment_score":0.15069708584987818},{"text":"Great. Perfect.","start_word":1919,"end_word":1920,"sentiment":"positive","sentiment_score":0.4040164649486542},{"text":"But if it, yeah, if it changes next year, because, Yeah. yeah, I've got a few things kind Yep. of brewing, so we'll see how they turn out. But, yeah, if anything Yeah. changes in the next financial year, obviously, I will consider that because, yeah, if I if I'm gonna pay less tax overall, then sure, I'll 100%. I don't have a problem, Yes. which if we, like, paying private health care for that reason. Yeah. I just won't hold my breath if I get injured because I'll probably Yes. somehow get out of paying for it. Yes. Oh, yeah. No. I know. For sure. And and yeah. That's it. And and you also don't have to worry because sometimes it's like if you just borderline or if you're in that first percentage, yes, you may have to pay a little bit more tax, but it could be cheaper than what you're actually paying for private health anyway. So just something Yes. to consider if you do exceed Yep. 101,000. If you're ever unsure and your income does increase, you can always just call me, and I can just kind of run it through with you as well. But, yeah, Okay. just something in the future to be mindful of if your income does increase. Yep. Okay. Yep.","start_word":1921,"end_word":2139,"sentiment":"neutral","sentiment_score":0.11845327563345703},{"text":"No problem. Perfect.","start_word":2140,"end_word":2142,"sentiment":"positive","sentiment_score":0.5120061635971069},{"text":"And, otherwise, when it comes to estate planning, I don't actually have a nomination on your super account. So in the event that something were to happen to you, someone that Mhmm. you would like to nominate. Now do you have someone in mind that you would like to give that to? Yeah. Just my partner, Jeff. So the same the same contact as before. Yep. Okay.","start_word":2143,"end_word":2209,"sentiment":"neutral","sentiment_score":0.14127756655216217},{"text":"Perfect. Now because she is your spouse, if anything were to happen, it will be tax free to her.","start_word":2210,"end_word":2228,"sentiment":"positive","sentiment_score":0.3662432134151459},{"text":"Now because Okay. it is making a legal nomination, It is a form I will have to send Yep. to you. You would have to get a witness and website, send it back to me, and then I can get that uploaded and sorted for you. It is important when you have a moment just so there's if there's ever a conflict or other people trying to make a claim for anything, we obviously wanna make sure that's not the case. Yeah. No. I don't think that'll happen because I it's, like, in terms of family, it's just myself and Yep. my mom. Yep. And she's getting on, so, you know, I'd I'd hope I don't pass away before Yeah. her. That's touch Yeah. That's wood. good. But yeah. And I don't Yeah. have any, like, siblings, Okay. aunties, Yeah. uncles, cousins. Like, we're pretty private people. So they wouldn't Yep. they'd literally be no one else that could even Okay. try to contest that. Yeah.","start_word":2229,"end_word":2394,"sentiment":"neutral","sentiment_score":-0.044548133410603166},{"text":"Perfect.","start_word":2395,"end_word":2395,"sentiment":"positive","sentiment_score":0.46222350001335144},{"text":"Because sometimes we change the issues with previous partners and stuff like that as well. So always good to have in place if something were to Yeah. happen, but it's good that there's not really anyone that would do that. No. There isn't. And my previous No. partner wouldn't wouldn't try it because All good. he just wouldn't. Yeah. No. That that's very good. And now, Cody, do you have access to a printer, or do you prefer these forms to be posted to you just because they have to be web signed? Yeah. No. I've got access to a printout. Okay. Perfect. So if you don't mind, I will get then the team to email you those forms.","start_word":2396,"end_word":2514,"sentiment":"neutral","sentiment_score":0.06463368982076645},{"text":"That way, you do have it in your inbox as well.","start_word":2515,"end_word":2525,"sentiment":"positive","sentiment_score":0.3351196348667145},{"text":"When you have a moment, obviously, print it out, complete it, send it back, and we will get that sorted for you. Yep. Okay. No problem. Yep.","start_word":2526,"end_word":2552,"sentiment":"neutral","sentiment_score":0.2248714715242386},{"text":"Perfect.","start_word":2553,"end_word":2553,"sentiment":"positive","sentiment_score":0.3717321157455444},{"text":"Otherwise, I guess, when it come comes to goals, stuff that you are working towards, you obviously have a bit going on work wise. Yep. But other than that, do you have any other financial or nonfinancial goals that you are kind of working towards, or is it mainly, like, the business and everything that you're focusing on at the moment? Yes. Yeah. I guess so. Not really. Just just putting away as much money as possible because of the state of the world. Yeah. So And is it not making still any con yep. sorry. No. You get you you go. Just not make yeah. Not making any decisions, not making any big purchases, nothing like that. Just kinda keeping under the radar and just trying to put put as much away as we Yep. Yep. Perfect. And I have here as well, I guess, more medium can. to long term. The goal is to buy a property. Is that still kind of something that you are wanting to do down the track? Yeah. It definitely is, but it won't be before like, I wouldn't buy a house before 2032, probably, at Yep. this Okay. stage. Yeah. Yep. So that'll More be, like, more long term. a long, long time. Yeah. Yes. No.","start_word":2554,"end_word":2767,"sentiment":"neutral","sentiment_score":-0.007327682500766051},{"text":"That's all good. Perfect.","start_word":2768,"end_word":2771,"sentiment":"positive","sentiment_score":0.5564621686935425},{"text":"And when it comes to superannuation as well, we currently have you invested in a growth portfolio sorry, in Yep. a high growth portfolio. Yep. And I know last time, we kind of went through a couple of questions to see how your risks and and everything was, how you felt about everything. Has Yep. any of that changed for you, or are you still kind of comfortable with the same level of risk and position for your superannuation? Yep. Yeah. I am. I mean, the I mean, the markets and whatnot haven't been very good recently with all the stuff No. going The on overseas. last, yeah. The last twelve months have been, obviously, Yeah. a bit up and down, which which you obviously can expect throughout time as well. Obviously, these Yeah. last twelve months, there's been quite a bit. Obviously, you had everything in The US happening Yep. and then the war and stuff like that. So we obviously have seen fluctuations. Yeah. But with our What high would growth you portfolio, recommend? for your age where things are at, I would say high growth is a good position as long as you are comfortable Yes. with it. Because if we are looking at because you're you're super positioned from a long term position. Yeah. Now throughout time as well, you will have ups and downs and market fluctuations in the short term. So Yeah. at the same time, while the prices and everything is down a little bit, if you are selling out now, you are then also selling when some of it is down. Yes. Yeah. You can also buy when it's down, but a lot of the investments are positioned, obviously, more from a long term position. And Yes. in a high growth portfolio as well, we do typically say eight years until retirement and a minimum to make sure you have enough time because during those eight years, you will have potentially one or two years where it might be down, and then the rest will be a lot better. So it's Yeah. not Okay. what we're seeing unusual in the market as a whole if we're looking historically and stuff, especially in a high growth portfolio. So I wouldn't be too concerned Yeah. if I were you where you are Okay. at the moment given your age. But at the same time, it's also what you're comfortable with. Because if you did see your like, your super drop a little bit in the short term, obviously, and that would kind of freak you up quite a bit, then we might wanna look at making changes. No. But if No.","start_word":2772,"end_word":3218,"sentiment":"neutral","sentiment_score":-0.015577446891232425},{"text":"you're I'm not comfortable that I'm not that short minded.","start_word":3219,"end_word":3228,"sentiment":"negative","sentiment_score":-0.4296596944332123},{"text":"okay. I know it's a long Perfect. term thing, so yeah. No. It's all good. Yes. Okay. Yeah.","start_word":3229,"end_word":3246,"sentiment":"neutral","sentiment_score":0.0749250203371048},{"text":"Perfect.","start_word":3247,"end_word":3247,"sentiment":"positive","sentiment_score":0.4252413809299469},{"text":"Well, yeah, otherwise, it is most clients that we do see in in your position as well. So in your age, we do see in a high growth at least. So you are Okay.","start_word":3248,"end_word":3281,"sentiment":"neutral","sentiment_score":0.2295752465724945},{"text":"definitely Yep. well positioned from that.","start_word":3282,"end_word":3287,"sentiment":"positive","sentiment_score":0.4545965194702149},{"text":"Yep. I'm kind of talking about your portfolio and stuff like that as well. Do you have access to your emails at the moment or not really right now if you're a bit busy? I do, but it's only in my phone. So it just depends what needs to access. So I have send you ultimately, it's up to you. I have send you an email with some documents to go through. Okay. Most people are happy to get that up on the phone and at it because afterwards, it's still saved to your folder if you do wanna go and have a look at it. But Yep. if you feel like you would like to access it on a computer or something later, I can always just run through the document. And then when you have a bit more time later, you can also access this. And if you don't have any questions, you can let me know. So it is up to you. Yeah. That's alright. Well, I've got the email here. So, Yep. yeah, I can get it up. Which which one am I getting up? Sorry. Before so we have recently changed the the software, so it might look a little bit different to the last annual review. But, essentially, in the email, before you click on the link where it says sign now, at Yep. the bottom of the email, can you see a couple of attachments? Yeah. Yep.","start_word":3288,"end_word":3531,"sentiment":"neutral","sentiment_score":0.10964846543845584},{"text":"Perfect.","start_word":3532,"end_word":3532,"sentiment":"positive","sentiment_score":0.3780149221420288},{"text":"Now I won't get you because they're a bit larger files Yep. that are open on the mobile, but the the first two or the bottom two where it says OTP services guide and OTP financial services guide. Can you see Yep. those? Yep. Yeah. There's So a problem. the, Yep. yeah, so they're a little bit larger files. We have gone through this before. It is one of those compliance documents. It's basically everything that you need to know about us. So all the important Yep. information is in there. The team director of advisers, it's very similar to what we went through last year. We've had a bit of change to marketing. So if if you do go and have a look at it, you will see we've had some updated photos and marketing, which is good, and also a bit of an extension to the team. Okay. But, otherwise, I'll get you to have a read of those because none of the important information has changed. Yep. Now you also have a super summary report. Can you open that for me if it works? Yep. So Yep. the So super you only? yes. Yep. Correct. So at the moment, you obviously have your superannuation in Hub 24, and you do have about $42,832 in there. And you don't Yep. have any insurances at the moment. Are you still None.","start_word":3533,"end_word":3764,"sentiment":"neutral","sentiment_score":-0.002139460062608123},{"text":"obviously comfortable without insurances?","start_word":3765,"end_word":3768,"sentiment":"negative","sentiment_score":-0.3349071741104126},{"text":"Yep. Yeah.","start_word":3769,"end_word":3770,"sentiment":"neutral","sentiment_score":0.06313101202249527},{"text":"Perfect.","start_word":3771,"end_word":3771,"sentiment":"positive","sentiment_score":0.39743050932884216},{"text":"Now the other one is your twelve month HAP 24 IRR, if you can see that one. Now it might be a little bit small on the phone for you. That'll drive. Yep. Let me check for a moment. Let me know if that Yep. works for you. Yep. So it might look a little bit messy, but it gives you a portfolio performance report over the last twelve months. Now we've already touched on it already, but, obviously, the market in the last twelve months has been very up and down, Yep. and your portfolio is positioned for the long term. But in the good in a positive way, though, that this despite, obviously, a lot of things have been quite down at the moment and a lot of fluctuation, in the last twelve months, after fees, your portfolio is still up. So it's definitely not Yep. down. Now it's up about 4.52%. So, obviously, Okay. we would like to see that increase, but Yes.","start_word":3772,"end_word":3937,"sentiment":"neutral","sentiment_score":0.07704852521419525},{"text":"in kind of looking at the portfolio this year, the the key theme is that your your position is growing, and it is working as intended.","start_word":3938,"end_word":3963,"sentiment":"positive","sentiment_score":0.4622689485549927},{"text":"Now when we do look at the individual investments, a lot of the the bigger growth is coming from your core global and thematic exposures. But you Yep.","start_word":3964,"end_word":3991,"sentiment":"neutral","sentiment_score":0.1566130518913269},{"text":"can see that, for example, The US exposure through the S and P 500 have kind of stood out to us again and delivered a good solid double digit growth, which is good. And we've Yep. also seen pretty good performance from some of the other factors and the alternative exposures like your Rafi Australian strategy. Gold have also done really well, and that's Yep. kind of helped build the portfolio.","start_word":3992,"end_word":4062,"sentiment":"positive","sentiment_score":0.4486730396747589},{"text":"Now at the same time, there are few areas that kind of have lagged a little bit, and some of these are your cyclical and emerging markets, which Okay. is not out of the norm because they are kind of positioned as well in different segments throughout the high growth portfolio. So at different points in time, depending on what is going on in the market, there's obviously some that's going to grow a little bit more and some that's not and kind of negating each other. Yeah. But on that, though, we we always do a lot of research on the investments because at the same time that if we foresee one investment is not going to potentially come back around or be the best option moving forward, we wanna make sure that we are obviously proactive with making changes if needed. So we've got a lot of research at the moment and the investment committee as well on one of the investments in your portfolio, which is your Benelung Australian equity. Yes. So I'm not sure if you're too familiar with that investment, but that is one of your managed funds. And the purpose to find that is to actively buy and sell different investments in order to try to outperform the market. Okay. And more recently, they have underperformed a little bit, Okay. and they have a little bit been a little bit slower with making decisions. So we've done a lot of research on it, and it is one that Yep. we would like to change. So if you are happy to do so, we have done obviously, a lot of comparisons because if we're swapping one Australian equity component, we obviously wanna replace it with another Australian investment to still give you that diversification. But Yes. we're trying to look for something that's potentially a little bit cheaper, but also kind of improve those returns for you moving forward by still giving you diversification. Yep. So we have found another one, which is the BetaShares two hundred Australia. Yep. It's a bit cheaper than your Benelon because it doesn't have the same active component, but also kind of a bit more steady. So you don't have the same kind of volatility as the Venelon investment and have performed a little bit better. Yep.","start_word":4063,"end_word":4450,"sentiment":"neutral","sentiment_score":0.07769161858355876},{"text":"But it still gives you exposures to the 200 largest companies listed in Australia. So it still gives you really good diversification. So Yeah. if you are happy with that, I will draw up a record of advice for you to just outline that we will go ahead and make the change just swapping your BIN along for the a 200 if that is something that you are happy with.","start_word":4451,"end_word":4520,"sentiment":"positive","sentiment_score":0.38011375069618225},{"text":"Yeah. Yeah. Definitely. Yes.","start_word":4521,"end_word":4524,"sentiment":"neutral","sentiment_score":0.26605769991874695},{"text":"Okay. Perfect.","start_word":4525,"end_word":4526,"sentiment":"positive","sentiment_score":0.4822466969490051},{"text":"Now you don't need to sign it or anything like that, but I will send it to you so you have the information as well just for that investment change that we have done.","start_word":4527,"end_word":4560,"sentiment":"neutral","sentiment_score":0.17001372575759888},{"text":"And the good Yep. thing as well, because the Benelon is down a little bit, there won't be any capital gains tax with making the change, which is good. Okay. Cool. No problem. Yeah. Perfect. So just kind of keep a lookout for that email.","start_word":4561,"end_word":4605,"sentiment":"positive","sentiment_score":0.4791085720062256},{"text":"Now it might be sometime next week that it comes through. But, yeah, just just keep a lookout for that to come through, and we will get that sorted for you. Yep. Cool. Any other questions so far? That's pretty straightforward. No. That's all. I do have a question just because, like, in my personal Mhmm. investments that I just do Mhmm. privately, I've got saw a lot of growth through silver this year.","start_word":4606,"end_word":4679,"sentiment":"neutral","sentiment_score":0.1949545592069626},{"text":"Yes. It outperforms pretty much everything else combined.","start_word":4680,"end_word":4687,"sentiment":"positive","sentiment_score":0.5235441327095032},{"text":"Yes. Yes. So I was wondering, like, is there I don't think you know? I think short short term and short term within three to five years, that growth will still continue just with, you know, obviously, the need to silver in AI computer processing chips and all that kind of thing, and that's obviously growing so rapidly. Do you think, you know, do you think it's a good idea to put one of, you know, maybe include that in in the investment portfolio for my super just because, like, I had, like, kept it on on the s and p 500, the a s 200. Yep. And they were good, but they're very, very slow. I understand they're good Yes. for long term, which is Yes. which is obviously why I don't have a problem with them being selected. But just to you know, I mean, in in the short term, yeah, I saw I saw a lot of growth from silver. I don't know if I got in at a good time, but, yeah, definitely outperformed everything else. Yep.","start_word":4688,"end_word":4868,"sentiment":"neutral","sentiment_score":0.08653848618268967},{"text":"And it definitely like, the gold and silver have been doing really well.","start_word":4869,"end_word":4881,"sentiment":"positive","sentiment_score":0.5157327651977539},{"text":"If it is something that you want, we can do some more research on it and see how we can fit it into your portfolio. The only thing Yep. to be mindful of is because we obviously have have you in a high growth portfolio, which does mean that we have about 90% allocated to your growth investments for that long term position. The Yep. silver would more be classified towards your defensive investments, which is kind of like Yep. you touched on there a little bit more stable. And in a high growth portfolio, we have about 10% allocated to defensive investments. Yep. We Okay. already have gold and fixed interest as part of your portfolio. So if we swap out something for silver for you, it will mean we can try to change some of your defensive investment because you're already in a high growth. You don't have too many defenses. So what it might mean is they will then potentially take some some of your growth investments and put it more into defensive, which might not align with your risk profile as much. So it Okay. it's up Well, to you if it is something because yeah. at the same time with the silver, as good as it has been, you're also things are quite high at the moment, so then you're also buying in Yeah. while Okay. it's do you know? So Do you know what's the current prices, like, physical silver? Do you know? Not on top of my head. I don't. Okay. Let's see if I can find it. Is Last it time also I looked, the it pants was kinda on floating around the 100 mark, but it did jump. Like, I was I didn't buy physical silver, but I was invested in a company that stored physical silver, kinda same as, you know, The investing gold. in physical gold stores. Yes. And Exactly. they that went up, like, 300% for me in six months. So I don't know if that was just I got lucky with timing, but and it's obviously, it dropped back down to about 100, so that's up to, like, $1.62 or something. Yeah. And it's all time. I think I picked it up for, like, around the the $48.50 dollar mark. Yeah. I'll because I'll have to have a look at Inhub '24, which ones they have available Yep. for you. Now I know that they do have silver because we have that sometimes in some of the older client portfolio as well that has a bit more defensive. So we have both gold and silver. And Yep. you have gold at the moment, but it is exactly like you said. It is not obviously physical gold. It's through, obviously, the exchange where it's held. Yes. So I know it's definitely available within Hub 24. So if it is something that you want added to your portfolio, I can go and do some research and see if we can swap something else out or readjust the percentage. Yeah. Yeah.","start_word":4882,"end_word":5392,"sentiment":"neutral","sentiment_score":0.06690124186838443},{"text":"To If you still could, that'd tryna be awesome. keep you yeah. So still tryna keep you in a high growth.","start_word":5393,"end_word":5413,"sentiment":"positive","sentiment_score":0.5561386346817017},{"text":"Yep. Now with that, obviously, if we are selling some investments, there will be potential capital gains tax with it as well. But I can go and do the research for you and see if we can incorporate it into your portfolio, but also what that's going to look like in terms of fees, returns, and stuff like that as an overall position. So I can Okay. most definitely have a look at that. Now it will take me about a week or so to put everything together. So when is a best time for you to kind of run through that research? Just yeah. If it's just next week. Alright. Let me And have any a look yeah. at me. Just depends. I mean, I can make time. Okay.","start_word":5414,"end_word":5543,"sentiment":"neutral","sentiment_score":0.11568990349769592},{"text":"Perfect.","start_word":5544,"end_word":5544,"sentiment":"positive","sentiment_score":0.3428623676300049},{"text":"Let me see. Next week is pretty full, but I do have one slot on Thursday, the seventh, at 11AM. Would that work? Yeah. Yeah. I can do that. Yeah? Okay.","start_word":5545,"end_word":5575,"sentiment":"neutral","sentiment_score":0.14823463559150696},{"text":"Perfect.","start_word":5576,"end_word":5576,"sentiment":"positive","sentiment_score":0.4583277106285095},{"text":"So I'll book you in on Thursday, May 7, at 11AM to have a look at the silver. And then also, because I'm re digging potentially the portfolio, I'll just incorporate the Bennelong switch into that same document Yep. so that you can you can see that if we do need to make changes. Because I don't wanna make a straight a straight swap for Bedlam to 8 to a 100. If it is, then we have to take a little bit from that investment to Yep. make sure we can then add the silver. So I'll just incorporate all of that into the same one. Would you like a reminder text that's two hours before the appointment in case anything comes Yes. up for you?","start_word":5577,"end_word":5702,"sentiment":"neutral","sentiment_score":0.13198224135807582},{"text":"That is always Yep. good. Yeah. Perfect. So that is all booked in for you. I'm more than happy to do that research and see if we can incorporate that into your portfolio even if it's just a little bit.","start_word":5703,"end_word":5742,"sentiment":"positive","sentiment_score":0.6173645257949829},{"text":"Have Yep. a bit of a look at it. Otherwise, the last part of the annual review is when you do have a moment or if you're happy to do so now, when you click on the document where it says sign now, it will ask you to sign through documents. Okay.","start_word":5743,"end_word":5794,"sentiment":"neutral","sentiment_score":0.14100968837738037},{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain as a client.","start_word":5795,"end_word":5818,"sentiment":"positive","sentiment_score":0.35779890418052673},{"text":"Now there Yep. is no changes whatsoever in regards to the fee structure. It stays exactly the same at that 1.65 from super. No changes Yep. whatsoever in regards to that. And after usual, there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract or exit fees. But for the time being, this lets us keep your account active and manage and make all those changes for you. Yeah. And Okay. then the last one is there should be a tax file number for myself. It's just a compliant document just to say that we are keeping your tax file number secure and safe on file. And that's just the document to be signed? Yes. So when you press the sign now, you should be able to add the signature for those two. And then I've just got a signed document, but it just took me to this service agreement. I don't have the Okay. The other one? If it's just the yeah. one, that's that's fine. You may have signed the tax time number last time. I think So I that's did. probably yeah. Yeah.","start_word":5819,"end_word":6017,"sentiment":"neutral","sentiment_score":0.0943981558084488},{"text":"Okay. Perfect. Yep. Yep. Now I can see that that has come through on my end, which is great. So I will get the team to to upload that to Hub twenty four.","start_word":6018,"end_word":6050,"sentiment":"positive","sentiment_score":0.5547627210617065},{"text":"I will go and do the research on your investments. I'll give you a call on Thursday, the seventh, at 11AM, but I will also get the team to email you those beneficiary forms in the meantime so you can then have a look at those. But before I let you go, otherwise, do you have any other questions for me today? Yep. No. That's all. No? Okay.","start_word":6051,"end_word":6118,"sentiment":"neutral","sentiment_score":0.17387694120407104},{"text":"Perfect. Well, I will let you go and enjoy the rest of your afternoon, and I look forward to speaking with you on Thursday, the seventh. No problem. Thanks, Veronica. Appreciate it. No problem. We'll speak soon. Thanks. Bye.","start_word":6119,"end_word":6157,"sentiment":"positive","sentiment_score":0.6036229729652405}],"average":{"sentiment":"neutral","sentiment_score":0.0715668723471379}}}}