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Do you still have some time now? Beautiful. Mate, I've popped through the advice document to your Gmail account. Do you have access to that one today? That's okay. It may go through to your main inbox or spam box. Yeah. No worries. Yeah. That's perfect. Now on that advice document, mate, there's gonna be some attachments, and there's a link for, like, digital sign. Just want you to jump into the statement of advice attachment, and just let me know if you can actually see, first of all, that beachfront city picture. And it should have a little city beachfront picture that looks like the Gold Coast on there. And just awesome. Can you make out all the text okay on that one? Beautiful. Beautiful. So I've gone through, and we've just updated some portfolios for your Netwealth and also for your Mercer super. If you can flick through down to sort of page three four, it should say scope of advice there. So the main thing we're doing is we weren't looking at changing super funds because NetWealth and Mercer haven't had any significant changes, but we were just updating the investments. So this is kind of what we focus the advice on. With the insurances, because of, obviously, previous health concerns, we were gonna wait a few years before reattempting to try and get some. So we're just keeping that in place. I've factored in the premiums just to make sure the impact's there for you as well. And the only other thing is estate planning wise, I don't think you had the will and power of attorney in place, but the beneficiaries were all set to your partner. The only thing that we're not sort of covering in this advice, which is put in scope of advice not considered, is obviously replacement insurances. And we're not giving you advice on debt management for properties and so on, And personal investments was something we were gonna come back to. We were talking about maybe doing a bit of mimicking your super outside, but maybe in a few years' time once it's a priority for you. Exactly. And I do have a bit of a note just saying that your income's slightly changed, and I wanted to just double check it with you today because I had it as, like, a 115 base up to $1.20 potentially. Just wondering if that's going to $1.20 five. $1.20. Congratulations, Doon. So I'll update that on file. Obviously, this is based on oh, awesome. Promotion straight into an advice chat. That's the best day. Cool. So I'll update that on the file. It doesn't impact things too much. Obviously, it means that you're getting slightly higher super contributions, and I'll just add that into our file and refresh to send that document through to you. As for that, any other significant changes? How has Ashley and the little one been going? Awesome. Awesome. Everything on the up and up. With the details, we've got your mobile. Your email address is all there, so project manager. The details for your homes may be slightly out of whack. We had the home valued at 750,000, mortgage $3.90 2. I'm assuming it's a little bit off of that. Yep. Perfect. Now if you see on the bottom of that page nine, we've got your current super with Netwealth and Mercer listed. Now based on those balances, one thing I did consider was whether we had to roll back a couple of grand to Mercer just to top it up, but it's got 10 in there. 6 is the minimum. The premium's under $400 a year. It should be able to maintain that for a number of years before you have to touch it. K? So the main thing, if you flick through, you've got your insurances on the page after that. High growth is your risk profile. So, again, trying to maintain that 90% growth assets at this point. And then if you flick through to page 13, I'll summarize most of this text for you because it's, you know, oodles of text to read, but it's basically just talking about why we've made the recommendations that we have in what's called a best interest duty. So the one thing I'll quickly point out, Simon, is that we're not doing, like, a full retirement analysis at the moment because, obviously, that's twenty five years away. We can't be too accurate with it, but we do the usual five to ten year projections for the time being. When you get closer to retirement, we can actually see how long it'll last. Cool. If you flick through, there's some pros and cons and risks and alternatives. Yes. Yep. So there's a few options and and sectors that I'm updating on top of that, but the main one was Benelong was kind of a bit of an anchor on the portfolio. So if you go through to the table on page 16 with investment, it's got your MRSA there first, and then it's got your Netwealth after that. So you had a three way split, which was really fascinating to analyze on my end. You had it all on the passive side, which was low fees and fantastic, but you had it split between, like, conservative growth and straight up international shares. And part of my job is to make sure the overall allocation of your super is in line with your risk profile. So what I'm actually recommending is to bring it up in line with the high growth is to can be conservative in growth options and put them into their high growth option, but maintain that passive international shares because that's just low fees and it's had fantastic performance. If I give you a bit of an idea, conservative's done about four percent, growth eight and a half, the high growth's done just shy of 10, and the international shares 15. So I'd rather it be in those two options. It'll be a little bit more volatile, but, again, you've got so much in there that you shouldn't risk the insurances. Personal preference on that one, we can pre fill in, like, an investment switch form for you to sign for Mercer, or you can just do it online on your app. I just wanted to gauge what you would find easier. Yeah. Absolutely. I haven't added in this pack because I wanted to ask you first. And then what we'll do is we'll prefill in all the investments to switch from and to and send that through in a DocuSign as well. Cool? Now next table, there's a heap of figures on the next one on the next page for net wealth because you have so many options. Can you see that right hand column that's all green and red? It'll be page 17. 17 slash 18 on the dot sign. Yeah. Cool. So the updated portfolio, basically, you can see the second row, Bennelong goes to a flat zero. That's the biggest one we're getting rid of. In our updated portfolios, we're putting a slight extra amount into, like, gold, five to 7%. Just that's been a pretty good alternative. A few sectors were changing around, so instead of hitting, like, Europe and Japan, we're more leaning towards, like, health care in India and a few sectors like that, maintaining 25% in the S and P instead of 30, but bunch of that sort of bumped off into JPMorgan's index equity global. The main one at the second last row that you can see can you see the one that says outstanding Australian share? That's your Benelon replacement. It is actively managed similar to Benelon, but it's got some slightly lower fees, and it's actually kind of smashed the performance over one, three, five, and ten years. It's kind of top three pack, whereas Bennelong's kind of split off into a very strange direction. Hasn't been performing in line with the other options or the Aussie market. So that's the main replacement. K? Everything with yours, it's a pretty standard core and satellite. A lot of these options are like low fee ETFs. So there's a little bit of brokerage to switch around and some capital gains tax that we factor in when we decide how many options to move, and that's all included on your projections. If you wanna just go down to the next one, you got your nice lovely colored pie chart there for your asset allocation. Me too. Middle row in growth total, all I wanted to point out there is that we're still trying to maintain that 90% growth assets across the board. And, again, it's pretty heavily in the international space. That's just because, obviously, Mercer's fifty fifty between the international shares and a high growth option. So and we do tend to tilt our portfolios a little bit more international than Australian as well. Okay? Projections on the next page, you can see the balances. We're just kind of maintaining the balances between the two funds as they are. Keep your contributions going to Netwealth. We'll double check your opt in to Mercer for the insurances, which you'd already done last year. $8.63 was factored in for, like, capital gains tax for the growth of the super options that we're switching, but the investment fees are about $350 cheaper per year for the investments that we're switching. K? Down the bottom, five year rolling average of what you currently have, which is everything spliced together, is about 10% per annum. The new portfolio looking about 13 and a half. Cool. So when you're in high growth, nine to 10 is the benchmark. And, again, we're trying to sort of overshoot it and factor in fees, premiums, taxes, and so on. Cool. Outside of that five and ten year projections on the next page, we're looking for an impact of about 50 to 100 grands over the next five to ten years in the green, of course, just by switching the investments. That'll bump up a tiny bit because of your contributions based on an income of $1.30. Again, we base it on $1.20. Cool. We just got some performance figures listed there, and then we've just got your insurances listed after that to keep the life and TPD cover, which is a 125,000 of each. Bear in mind, obviously, we haven't fully calculated whether you should increase or decrease that just because we're gonna revisit your insurances when you can have some options to switch around. But at the time, you were like, well, just keep that in place. It's cheap, and you value having it. K? So at this point, you won't have income protection or trauma. It's just the life and the TPD. Cool. Premium impact table at the bottom of page 21 just shows you what difference that $3.38 actually makes in your super, which isn't too much. That's pretty low premiums. A lot of people at your age will be paying 1,500 to $3, so the impact's pretty minimal by having that insurance. The other thing too I just wanna quickly point out is Mercer only charges percentage based admin fees for having the account open. So it doesn't penalize you for having that second super fund open, whereas some other super funds will charge you, like, a flat dollar amount, which puts you a bit more in the red. So less of an issue there. Beyond that, mate, most of the rest of that document just talks about putting in place a will and a power of attorney on page 24 to 27. I probably won't tell you why you should put a will in place again, but just that usual reminder that you can go to the public trustee or a lawyer or even a will kit at the post office. Beauty? Any questions so far? Awesome. Mate, everything else after that is we've got the adviser service fees listed. There's no commissions on the Mercer policy, and then we've got an authority to proceed. So when you go through to click through that, I've attached our updated financial services guide with our updated licensing details. We've got an appendix there with some background research just showing you the alternatives that we did consider just so you've got that there on file and a few links to the options that we've recommended if you're ever curious. Cool. Any questions for me at this point? Awesome, Simon. Now one thing that may be a little bit tricky is when you go through the link on that email to sign the statement of advice, there is a a signature and date box for the authority to proceed. That's standard. That's easy. If you can draw the signature on there instead of type it, that's more acceptable for the providers. Cool. The only other thing is I've added a checkbox to say that you're comfortable to go ahead with either all of the recommendations or some of them and a little bit of a text box. So if you can just check the one at the top to go ahead with all of them and see if you can ignore the second check box and the text box, there's nothing to write in. If it forces you to type in it, just put in NA. Easy done. Mate, that's pretty much it for the time being. Any other major changes or anything you need at the moment? It's nice to have a consistent year where things just gradually improve and nothing's blowing up in the background. Awesome, Adam. So once we get that back, we'll do the investment switches online. I'll send you that investment switch form, and I'll send you a little text just to give you a heads up once that's through to your Gmail account. Perfect. From there, I'll update your file, make sure we've got the one thirty listed, and we'll kind of schedule the usual annual review catch ups and so on. If you if you can, that'd be great. Oh, it's popped it already. Oh, I've gotcha. And has it got a is it allowing you to sort of skip through past those checkboxes? Or yep. Perfect. I might have a little look see. Is it is it like a next button that pulls you to the oh, it doesn't let you skip the text box. I wonder I wonder if there is that the checkbox issue. Okay. Can you check both and just make sure you've got NA in that textbox? That should still be fine. Oh, legend. Damn you, Simon? Mate, that's the easiest fifteen minutes ever, but if you do have any questions, please let us know. Yeah. And, hopefully, things are rolling pretty well because, again, market's been a bit choppy at the moment, so it's a pretty good time to do a few switches. And then when we catch up next, I'll I'll run you through a bit of detail. Yeah. But it's a it's an opportunity, buying opportunity. Awesome, mate. Any questions for me before I let you go, sir? You're a legend. Have a fantastic week, and keep an eye out for those techs. We'll see you later. 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Simon. Happy New Year, sir. It's Tommy from Oakview, mate. How are you doing? Doing fantastic.\n\nIt's great to talk to you again. Just calling up to go through that updated advice strategy. Do you still have some time now? Beautiful. Mate, I've popped through the advice document to your Gmail account.\n\nDo you have access to that one today? That's okay. It may go through to your main inbox or spam box. Yeah. No worries.\n\nYeah. That's perfect. Now on that advice document, mate, there's gonna be some attachments, and there's a link for, like, digital sign. Just want you to jump into the statement of advice attachment, and just let me know if you can actually see, first of all, that beachfront city picture. And it should have a little city beachfront picture that looks like the Gold Coast on there.\n\nAnd just awesome. Can you make out all the text okay on that one? Beautiful. Beautiful. So I've gone through, and we've just updated some portfolios for your Netwealth and also for your Mercer super.\n\nIf you can flick through down to sort of page three four, it should say scope of advice there. So the main thing we're doing is we weren't looking at changing super funds because NetWealth and Mercer haven't had any significant changes, but we were just updating the investments. So this is kind of what we focus the advice on. With the insurances, because of, obviously, previous health concerns, we were gonna wait a few years before reattempting to try and get some. So we're just keeping that in place.\n\nI've factored in the premiums just to make sure the impact's there for you as well. And the only other thing is estate planning wise, I don't think you had the will and power of attorney in place, but the beneficiaries were all set to your partner. The only thing that we're not sort of covering in this advice, which is put in scope of advice not considered, is obviously replacement insurances. And we're not giving you advice on debt management for properties and so on, And personal investments was something we were gonna come back to. We were talking about maybe doing a bit of mimicking your super outside, but maybe in a few years' time once it's a priority for you.\n\nExactly. And I do have a bit of a note just saying that your income's slightly changed, and I wanted to just double check it with you today because I had it as, like, a 115 base up to $1.20 potentially. Just wondering if that's going to $1.20 five. $1.20. Congratulations, Doon.\n\nSo I'll update that on file. Obviously, this is based on oh, awesome. Promotion straight into an advice chat. That's the best day. Cool.\n\nSo I'll update that on the file. It doesn't impact things too much. Obviously, it means that you're getting slightly higher super contributions, and I'll just add that into our file and refresh to send that document through to you. As for that, any other significant changes? How has Ashley and the little one been going?\n\nAwesome. Awesome. Everything on the up and up. With the details, we've got your mobile. Your email address is all there, so project manager.\n\nThe details for your homes may be slightly out of whack. We had the home valued at 750,000, mortgage $3.90 2. I'm assuming it's a little bit off of that. Yep. Perfect.\n\nNow if you see on the bottom of that page nine, we've got your current super with Netwealth and Mercer listed. Now based on those balances, one thing I did consider was whether we had to roll back a couple of grand to Mercer just to top it up, but it's got 10 in there. 6 is the minimum. The premium's under $400 a year. It should be able to maintain that for a number of years before you have to touch it.\n\nK? So the main thing, if you flick through, you've got your insurances on the page after that. High growth is your risk profile. So, again, trying to maintain that 90% growth assets at this point. And then if you flick through to page 13, I'll summarize most of this text for you because it's, you know, oodles of text to read, but it's basically just talking about why we've made the recommendations that we have in what's called a best interest duty.\n\nSo the one thing I'll quickly point out, Simon, is that we're not doing, like, a full retirement analysis at the moment because, obviously, that's twenty five years away. We can't be too accurate with it, but we do the usual five to ten year projections for the time being. When you get closer to retirement, we can actually see how long it'll last. Cool. If you flick through, there's some pros and cons and risks and alternatives.\n\nYes. Yep. So there's a few options and and sectors that I'm updating on top of that, but the main one was Benelong was kind of a bit of an anchor on the portfolio. So if you go through to the table on page 16 with investment, it's got your MRSA there first, and then it's got your Netwealth after that. So you had a three way split, which was really fascinating to analyze on my end.\n\nYou had it all on the passive side, which was low fees and fantastic, but you had it split between, like, conservative growth and straight up international shares. And part of my job is to make sure the overall allocation of your super is in line with your risk profile. So what I'm actually recommending is to bring it up in line with the high growth is to can be conservative in growth options and put them into their high growth option, but maintain that passive international shares because that's just low fees and it's had fantastic performance. If I give you a bit of an idea, conservative's done about four percent, growth eight and a half, the high growth's done just shy of 10, and the international shares 15. So I'd rather it be in those two options.\n\nIt'll be a little bit more volatile, but, again, you've got so much in there that you shouldn't risk the insurances. Personal preference on that one, we can pre fill in, like, an investment switch form for you to sign for Mercer, or you can just do it online on your app. I just wanted to gauge what you would find easier. Yeah. Absolutely.\n\nI haven't added in this pack because I wanted to ask you first. And then what we'll do is we'll prefill in all the investments to switch from and to and send that through in a DocuSign as well. Cool? Now next table, there's a heap of figures on the next one on the next page for net wealth because you have so many options. Can you see that right hand column that's all green and red?\n\nIt'll be page 17. 17 slash 18 on the dot sign. Yeah. Cool. So the updated portfolio, basically, you can see the second row, Bennelong goes to a flat zero.\n\nThat's the biggest one we're getting rid of. In our updated portfolios, we're putting a slight extra amount into, like, gold, five to 7%. Just that's been a pretty good alternative. A few sectors were changing around, so instead of hitting, like, Europe and Japan, we're more leaning towards, like, health care in India and a few sectors like that, maintaining 25% in the S and P instead of 30, but bunch of that sort of bumped off into JPMorgan's index equity global. The main one at the second last row that you can see can you see the one that says outstanding Australian share?\n\nThat's your Benelon replacement. It is actively managed similar to Benelon, but it's got some slightly lower fees, and it's actually kind of smashed the performance over one, three, five, and ten years. It's kind of top three pack, whereas Bennelong's kind of split off into a very strange direction. Hasn't been performing in line with the other options or the Aussie market. So that's the main replacement.\n\nK? Everything with yours, it's a pretty standard core and satellite. A lot of these options are like low fee ETFs. So there's a little bit of brokerage to switch around and some capital gains tax that we factor in when we decide how many options to move, and that's all included on your projections. If you wanna just go down to the next one, you got your nice lovely colored pie chart there for your asset allocation.\n\nMe too. Middle row in growth total, all I wanted to point out there is that we're still trying to maintain that 90% growth assets across the board. And, again, it's pretty heavily in the international space. That's just because, obviously, Mercer's fifty fifty between the international shares and a high growth option. So and we do tend to tilt our portfolios a little bit more international than Australian as well.\n\nOkay? Projections on the next page, you can see the balances. We're just kind of maintaining the balances between the two funds as they are. Keep your contributions going to Netwealth. We'll double check your opt in to Mercer for the insurances, which you'd already done last year.\n\n$8.63 was factored in for, like, capital gains tax for the growth of the super options that we're switching, but the investment fees are about $350 cheaper per year for the investments that we're switching. K? Down the bottom, five year rolling average of what you currently have, which is everything spliced together, is about 10% per annum. The new portfolio looking about 13 and a half. Cool.\n\nSo when you're in high growth, nine to 10 is the benchmark. And, again, we're trying to sort of overshoot it and factor in fees, premiums, taxes, and so on. Cool. Outside of that five and ten year projections on the next page, we're looking for an impact of about 50 to 100 grands over the next five to ten years in the green, of course, just by switching the investments. That'll bump up a tiny bit because of your contributions based on an income of $1.30.\n\nAgain, we base it on $1.20. Cool. We just got some performance figures listed there, and then we've just got your insurances listed after that to keep the life and TPD cover, which is a 125,000 of each. Bear in mind, obviously, we haven't fully calculated whether you should increase or decrease that just because we're gonna revisit your insurances when you can have some options to switch around. But at the time, you were like, well, just keep that in place.\n\nIt's cheap, and you value having it. K? So at this point, you won't have income protection or trauma. It's just the life and the TPD. Cool.\n\nPremium impact table at the bottom of page 21 just shows you what difference that $3.38 actually makes in your super, which isn't too much. That's pretty low premiums. A lot of people at your age will be paying 1,500 to $3, so the impact's pretty minimal by having that insurance. The other thing too I just wanna quickly point out is Mercer only charges percentage based admin fees for having the account open. So it doesn't penalize you for having that second super fund open, whereas some other super funds will charge you, like, a flat dollar amount, which puts you a bit more in the red.\n\nSo less of an issue there. Beyond that, mate, most of the rest of that document just talks about putting in place a will and a power of attorney on page 24 to 27. I probably won't tell you why you should put a will in place again, but just that usual reminder that you can go to the public trustee or a lawyer or even a will kit at the post office. Beauty? Any questions so far?\n\nAwesome. Mate, everything else after that is we've got the adviser service fees listed. There's no commissions on the Mercer policy, and then we've got an authority to proceed. So when you go through to click through that, I've attached our updated financial services guide with our updated licensing details. We've got an appendix there with some background research just showing you the alternatives that we did consider just so you've got that there on file and a few links to the options that we've recommended if you're ever curious.\n\nCool. Any questions for me at this point? Awesome, Simon. Now one thing that may be a little bit tricky is when you go through the link on that email to sign the statement of advice, there is a a signature and date box for the authority to proceed. That's standard.\n\nThat's easy. If you can draw the signature on there instead of type it, that's more acceptable for the providers. Cool. The only other thing is I've added a checkbox to say that you're comfortable to go ahead with either all of the recommendations or some of them and a little bit of a text box. So if you can just check the one at the top to go ahead with all of them and see if you can ignore the second check box and the text box, there's nothing to write in.\n\nIf it forces you to type in it, just put in NA. Easy done. Mate, that's pretty much it for the time being. Any other major changes or anything you need at the moment? It's nice to have a consistent year where things just gradually improve and nothing's blowing up in the background.\n\nAwesome, Adam. So once we get that back, we'll do the investment switches online. I'll send you that investment switch form, and I'll send you a little text just to give you a heads up once that's through to your Gmail account. Perfect. From there, I'll update your file, make sure we've got the one thirty listed, and we'll kind of schedule the usual annual review catch ups and so on.\n\nIf you if you can, that'd be great. Oh, it's popped it already. Oh, I've gotcha. And has it got a is it allowing you to sort of skip through past those checkboxes? Or yep.\n\nPerfect. I might have a little look see. Is it is it like a next button that pulls you to the oh, it doesn't let you skip the text box. I wonder I wonder if there is that the checkbox issue. Okay.\n\nCan you check both and just make sure you've got NA in that textbox? That should still be fine. Oh, legend. Damn you, Simon? Mate, that's the easiest fifteen minutes ever, but if you do have any questions, please let us know.\n\nYeah. And, hopefully, things are rolling pretty well because, again, market's been a bit choppy at the moment, so it's a pretty good time to do a few switches. And then when we catch up next, I'll I'll run you through a bit of detail. Yeah. But it's a it's an opportunity, buying opportunity.\n\nAwesome, mate. Any questions for me before I let you go, sir? You're a legend. Have a fantastic week, and keep an eye out for those techs. We'll see you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Simon.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.22554590553045273},{"text":"Happy New Year, sir.","start":3.6799998,"end":4.48,"sentiment":"positive","sentiment_score":0.6258616000413895},{"text":"It's Tommy from Oakview, mate.","start":4.48,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.22241010665893554},{"text":"How are you doing?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.2623377554118633},{"text":"Doing fantastic.","start":8.24,"end":9.22,"sentiment":"positive","sentiment_score":0.808910995721817}],"sentiment":"positive","sentiment_score":0.3961036328007193,"num_words":17,"start":2.8799999,"end":9.22},{"sentences":[{"text":"It's great to talk to you again.","start":9.36,"end":10.82,"sentiment":"positive","sentiment_score":0.8186536686761039},{"text":"Just calling up to go through that updated advice strategy.","start":11.12,"end":14.48,"sentiment":"neutral","sentiment_score":0.13076211586594583},{"text":"Do you still have some time now?","start":14.48,"end":15.645,"sentiment":"neutral","sentiment_score":0.02589129949254649},{"text":"Beautiful.","start":18.365,"end":18.865,"sentiment":"positive","sentiment_score":0.537767767906189},{"text":"Mate, I've popped through the advice document to your Gmail account.","start":19.485,"end":23.965,"sentiment":"neutral","sentiment_score":0.0645450922575864}],"sentiment":"neutral","sentiment_score":0.23519999218276805,"num_words":36,"start":9.36,"end":23.965},{"sentences":[{"text":"Do you have access to that one today?","start":23.965,"end":25.665,"sentiment":"neutral","sentiment_score":0.01846551732160151},{"text":"That's okay.","start":27.965,"end":28.705,"sentiment":"neutral","sentiment_score":0.010731519665569067},{"text":"It may go through to your main inbox or spam box.","start":29.189999,"end":32.649998,"sentiment":"neutral","sentiment_score":-0.11844207083975727},{"text":"Yeah.","start":35.03,"end":35.35,"sentiment":"neutral","sentiment_score":-0.007810019887983799},{"text":"No worries.","start":35.35,"end":36.01,"sentiment":"neutral","sentiment_score":-0.016859427094459534}],"sentiment":"neutral","sentiment_score":-0.04896685314209511,"num_words":24,"start":23.965,"end":36.01},{"sentences":[{"text":"Yeah.","start":44.614998,"end":45.114998,"sentiment":"neutral","sentiment_score":0.021052684634923935},{"text":"That's perfect.","start":45.175,"end":47.515,"sentiment":"neutral","sentiment_score":0.20872554928064346},{"text":"Now on that advice document, mate, there's gonna be some attachments, and there's a link for, like, digital sign.","start":47.894997,"end":53.515,"sentiment":"neutral","sentiment_score":0.09930856996460964},{"text":"Just want you to jump into the statement of advice attachment, and just let me know if you can actually see, first of all, that beachfront city picture.","start":53.815,"end":62.120003,"sentiment":"neutral","sentiment_score":0.11491412376718861},{"text":"And it should have a little city beachfront picture that looks like the Gold Coast on there.","start":63.54,"end":68.1,"sentiment":"neutral","sentiment_score":0.10780987581785988}],"sentiment":"neutral","sentiment_score":0.1100855218941596,"num_words":67,"start":44.614998,"end":68.1},{"sentences":[{"text":"And just awesome.","start":68.1,"end":70.744995,"sentiment":"neutral","sentiment_score":0.15834835171699524},{"text":"Can you make out all the text okay on that one?","start":70.744995,"end":72.924995,"sentiment":"neutral","sentiment_score":0.1354468654502522},{"text":"Beautiful.","start":74.424995,"end":74.825,"sentiment":"positive","sentiment_score":0.4736432433128357},{"text":"Beautiful.","start":74.825,"end":75.325,"sentiment":"positive","sentiment_score":0.41381585597991943},{"text":"So I've gone through, and we've just updated some portfolios for your Netwealth and also for your Mercer super.","start":75.704994,"end":83.965,"sentiment":"neutral","sentiment_score":0.1140126019324127}],"sentiment":"neutral","sentiment_score":0.14339026031749588,"num_words":35,"start":68.1,"end":83.965},{"sentences":[{"text":"If you can flick through down to sort of page three four, it should say scope of advice there.","start":84.96,"end":90.5,"sentiment":"neutral","sentiment_score":0.036461233994678446},{"text":"So the main thing we're doing is we weren't looking at changing super funds because NetWealth and Mercer haven't had any significant changes, but we were just updating the investments.","start":93.04,"end":100.965004,"sentiment":"neutral","sentiment_score":0.0009640788446025304},{"text":"So this is kind of what we focus the advice on.","start":101.105,"end":103.605,"sentiment":"neutral","sentiment_score":0.028950554064728996},{"text":"With the insurances, because of, obviously, previous health concerns, we were gonna wait a few years before reattempting to try and get some.","start":104.145004,"end":112.11,"sentiment":"neutral","sentiment_score":0.0031446931559754453},{"text":"So we're just keeping that in place.","start":112.67,"end":113.95,"sentiment":"neutral","sentiment_score":0.1135139422757285}],"sentiment":"neutral","sentiment_score":0.021189638271850223,"num_words":90,"start":84.96,"end":113.95},{"sentences":[{"text":"I've factored in the premiums just to make sure the impact's there for you as well.","start":113.95,"end":117.65,"sentiment":"neutral","sentiment_score":0.09542964538559318},{"text":"And the only other thing is estate planning wise, I don't think you had the will and power of attorney in place, but the beneficiaries were all set to your partner.","start":117.79,"end":126.21,"sentiment":"neutral","sentiment_score":0.011104265468255166},{"text":"The only thing that we're not sort of covering in this advice, which is put in scope of advice not considered, is obviously replacement insurances.","start":128.085,"end":136.505,"sentiment":"neutral","sentiment_score":-0.06561997026205063},{"text":"And we're not giving you advice on debt management for properties and so on, And personal investments was something we were gonna come back to.","start":136.88501,"end":144.17,"sentiment":"neutral","sentiment_score":-0.03622038759291172},{"text":"We were talking about maybe doing a bit of mimicking your super outside, but maybe in a few years' time once it's a priority for you.","start":144.17,"end":151.62999,"sentiment":"neutral","sentiment_score":0.003073839506564232}],"sentiment":"neutral","sentiment_score":-0.00483725661396738,"num_words":123,"start":113.95,"end":151.62999},{"sentences":[{"text":"Exactly.","start":156.56499,"end":157.06499,"sentiment":"neutral","sentiment_score":0.07702162861824036},{"text":"And I do have a bit of a note just saying that your income's slightly changed, and I wanted to just double check it with you today because I had it as, like, a 115 base up to $1.20 potentially.","start":157.36499,"end":170.905,"sentiment":"neutral","sentiment_score":0.026457261550240217},{"text":"Just wondering if that's going to $1.20 five.","start":171.49,"end":173.51,"sentiment":"neutral","sentiment_score":0.0035560481483116746},{"text":"$1.20.","start":175.89,"end":176.63,"sentiment":"neutral","sentiment_score":0.033290620893239975},{"text":"Congratulations, Doon.","start":177.41,"end":179.01,"sentiment":"positive","sentiment_score":0.5795692503452301}],"sentiment":"neutral","sentiment_score":0.04531133841150082,"num_words":52,"start":156.56499,"end":179.01},{"sentences":[{"text":"So I'll update that on file.","start":179.01,"end":180.71,"sentiment":"neutral","sentiment_score":0.287863127887249},{"text":"Obviously, this is based on oh, awesome.","start":180.93001,"end":184.13,"sentiment":"neutral","sentiment_score":0.22021840193441936},{"text":"Promotion straight into an advice chat.","start":184.13,"end":186.05,"sentiment":"neutral","sentiment_score":0.06090412211293975},{"text":"That's the best day.","start":186.05,"end":186.945,"sentiment":"neutral","sentiment_score":0.2668784875422716},{"text":"Cool.","start":189.425,"end":189.66501,"sentiment":"positive","sentiment_score":0.4443454146385193}],"sentiment":"neutral","sentiment_score":0.21441631993123642,"num_words":24,"start":179.01,"end":189.66501},{"sentences":[{"text":"So I'll update that on the file.","start":189.66501,"end":191.285,"sentiment":"neutral","sentiment_score":0.20782488584518433},{"text":"It doesn't impact things too much.","start":191.345,"end":193.10501,"sentiment":"neutral","sentiment_score":0.093697564676404},{"text":"Obviously, it means that you're getting slightly higher super contributions, and I'll just add that into our file and refresh to send that document through to you.","start":193.10501,"end":201.285,"sentiment":"neutral","sentiment_score":0.11565056112077501},{"text":"As for that, any other significant changes?","start":202.54001,"end":204.14,"sentiment":"neutral","sentiment_score":0.02838872160230364},{"text":"How has Ashley and the little one been going?","start":204.14,"end":206.16,"sentiment":"neutral","sentiment_score":0.05119427334931162}],"sentiment":"neutral","sentiment_score":0.10355346876063518,"num_words":56,"start":189.66501,"end":206.16},{"sentences":[{"text":"Awesome.","start":211.34001,"end":211.84001,"sentiment":"positive","sentiment_score":0.5759090185165405},{"text":"Awesome.","start":214.3,"end":214.62001,"sentiment":"positive","sentiment_score":0.5457189083099365},{"text":"Everything on the up and up.","start":214.62001,"end":216.0,"sentiment":"neutral","sentiment_score":0.3087947567303975},{"text":"With the details, we've got your mobile.","start":216.825,"end":218.745,"sentiment":"neutral","sentiment_score":0.04404737853578159},{"text":"Your email address is all there, so project manager.","start":218.745,"end":221.16501,"sentiment":"neutral","sentiment_score":0.04285605293181208}],"sentiment":"neutral","sentiment_score":0.15285135805606842,"num_words":24,"start":211.34001,"end":221.16501},{"sentences":[{"text":"The details for your homes may be slightly out of whack.","start":222.105,"end":225.145,"sentiment":"neutral","sentiment_score":-0.13318322937596927},{"text":"We had the home valued at 750,000, mortgage $3.90 2.","start":225.145,"end":229.59,"sentiment":"neutral","sentiment_score":-0.048048884607851505},{"text":"I'm assuming it's a little bit off of that.","start":229.83,"end":231.84999,"sentiment":"neutral","sentiment_score":-0.11017869702643818},{"text":"Yep.","start":233.43,"end":233.93,"sentiment":"neutral","sentiment_score":-0.05108366534113884},{"text":"Perfect.","start":237.67,"end":238.17,"sentiment":"neutral","sentiment_score":0.11873984336853027}],"sentiment":"neutral","sentiment_score":-0.08967051451327279,"num_words":32,"start":222.105,"end":238.17},{"sentences":[{"text":"Now if you see on the bottom of that page nine, we've got your current super with Netwealth and Mercer listed.","start":238.47,"end":243.015,"sentiment":"neutral","sentiment_score":0.03366935173315661},{"text":"Now based on those balances, one thing I did consider was whether we had to roll back a couple of grand to Mercer just to top it up, but it's got 10 in there.","start":244.215,"end":252.935,"sentiment":"neutral","sentiment_score":-0.025080090470831182},{"text":"6 is the minimum.","start":252.935,"end":253.995,"sentiment":"neutral","sentiment_score":-0.017769449157640338},{"text":"The premium's under $400 a year.","start":254.055,"end":256.135,"sentiment":"neutral","sentiment_score":0.024626283285518486},{"text":"It should be able to maintain that for a number of years before you have to touch it.","start":256.135,"end":260.51,"sentiment":"neutral","sentiment_score":0.01772745077808698}],"sentiment":"neutral","sentiment_score":0.003013341294893299,"num_words":83,"start":238.47,"end":260.51},{"sentences":[{"text":"K?","start":261.77,"end":262.27,"sentiment":"neutral","sentiment_score":0.00011182017624378204},{"text":"So the main thing, if you flick through, you've got your insurances on the page after that.","start":262.33,"end":265.79,"sentiment":"neutral","sentiment_score":-0.0064868488184669434},{"text":"High growth is your risk profile.","start":265.93,"end":267.55,"sentiment":"neutral","sentiment_score":-0.05653342418372631},{"text":"So, again, trying to maintain that 90% growth assets at this point.","start":267.61,"end":271.80502,"sentiment":"neutral","sentiment_score":0.009159276417146126},{"text":"And then if you flick through to page 13, I'll summarize most of this text for you because it's, you know, oodles of text to read, but it's basically just talking about why we've made the recommendations that we have in what's called a best interest duty.","start":272.74503,"end":285.87,"sentiment":"neutral","sentiment_score":0.05329491047466055}],"sentiment":"neutral","sentiment_score":0.0260892404153584,"num_words":83,"start":261.77,"end":285.87},{"sentences":[{"text":"So the one thing I'll quickly point out, Simon, is that we're not doing, like, a full retirement analysis at the moment because, obviously, that's twenty five years away.","start":286.01,"end":294.43,"sentiment":"neutral","sentiment_score":-0.16927455763878493},{"text":"We can't be too accurate with it, but we do the usual five to ten year projections for the time being.","start":294.57,"end":300.595,"sentiment":"neutral","sentiment_score":-0.15377286360377357},{"text":"When you get closer to retirement, we can actually see how long it'll last.","start":300.595,"end":303.975,"sentiment":"neutral","sentiment_score":-0.05364434554108551},{"text":"Cool.","start":305.315,"end":305.815,"sentiment":"neutral","sentiment_score":0.18402856588363647},{"text":"If you flick through, there's some pros and cons and risks and alternatives.","start":306.035,"end":309.01498,"sentiment":"neutral","sentiment_score":0.02307478617876768}],"sentiment":"neutral","sentiment_score":-0.10775913280219986,"num_words":78,"start":286.01,"end":309.01498},{"sentences":[{"text":"Yes.","start":312.12,"end":312.62,"sentiment":"neutral","sentiment_score":0.06879004836082458},{"text":"Yep.","start":313.63998,"end":314.13998,"sentiment":"neutral","sentiment_score":0.056272175163030624},{"text":"So there's a few options and and sectors that I'm updating on top of that, but the main one was Benelong was kind of a bit of an anchor on the portfolio.","start":314.19998,"end":323.69498,"sentiment":"neutral","sentiment_score":0.027589544974034652},{"text":"So if you go through to the table on page 16 with investment, it's got your MRSA there first, and then it's got your Netwealth after that.","start":325.19498,"end":332.815,"sentiment":"neutral","sentiment_score":0.05717070862926819},{"text":"So you had a three way split, which was really fascinating to analyze on my end.","start":333.275,"end":337.86,"sentiment":"neutral","sentiment_score":0.15825520176440477}],"sentiment":"neutral","sentiment_score":0.06602103927160625,"num_words":77,"start":312.12,"end":337.86},{"sentences":[{"text":"You had it all on the passive side, which was low fees and fantastic, but you had it split between, like, conservative growth and straight up international shares.","start":338.9,"end":348.43997,"sentiment":"neutral","sentiment_score":0.0679067626395928},{"text":"And part of my job is to make sure the overall allocation of your super is in line with your risk profile.","start":349.62,"end":354.715,"sentiment":"neutral","sentiment_score":0.07485554595901207},{"text":"So what I'm actually recommending is to bring it up in line with the high growth is to can be conservative in growth options and put them into their high growth option, but maintain that passive international shares because that's just low fees and it's had fantastic performance.","start":355.57498,"end":370.78,"sentiment":"neutral","sentiment_score":0.24436002798999348},{"text":"If I give you a bit of an idea, conservative's done about four percent, growth eight and a half, the high growth's done just shy of 10, and the international shares 15.","start":372.52,"end":380.67502,"sentiment":"neutral","sentiment_score":0.1078858352266252},{"text":"So I'd rather it be in those two options.","start":380.67502,"end":382.45502,"sentiment":"neutral","sentiment_score":0.10009684455063608}],"sentiment":"neutral","sentiment_score":0.1412281369549229,"num_words":139,"start":338.9,"end":382.45502},{"sentences":[{"text":"It'll be a little bit more volatile, but, again, you've got so much in there that you shouldn't risk the insurances.","start":382.835,"end":389.015,"sentiment":"neutral","sentiment_score":0.10059979487033117},{"text":"Personal preference on that one, we can pre fill in, like, an investment switch form for you to sign for Mercer, or you can just do it online on your app.","start":391.48,"end":398.84,"sentiment":"neutral","sentiment_score":0.16891199807005544},{"text":"I just wanted to gauge what you would find easier.","start":398.84,"end":401.175,"sentiment":"neutral","sentiment_score":0.23969292491674424},{"text":"Yeah.","start":409.57498,"end":409.815,"sentiment":"neutral","sentiment_score":0.028369903564453125},{"text":"Absolutely.","start":409.815,"end":410.315,"sentiment":"neutral","sentiment_score":0.10098180919885635}],"sentiment":"neutral","sentiment_score":0.15429919678717852,"num_words":64,"start":382.835,"end":410.315},{"sentences":[{"text":"I haven't added in this pack because I wanted to ask you first.","start":410.375,"end":412.935,"sentiment":"neutral","sentiment_score":0.019916220353199884},{"text":"And then what we'll do is we'll prefill in all the investments to switch from and to and send that through in a DocuSign as well.","start":412.935,"end":418.88,"sentiment":"neutral","sentiment_score":0.07751571773909606},{"text":"Cool?","start":419.81998,"end":420.31998,"sentiment":"positive","sentiment_score":0.6277756690979004},{"text":"Now next table, there's a heap of figures on the next one on the next page for net wealth because you have so many options.","start":420.62,"end":426.16,"sentiment":"neutral","sentiment_score":0.09266123533248902},{"text":"Can you see that right hand column that's all green and red?","start":426.3,"end":428.835,"sentiment":"neutral","sentiment_score":0.0432603545486927}],"sentiment":"neutral","sentiment_score":0.0745162380883446,"num_words":77,"start":410.375,"end":428.835},{"sentences":[{"text":"It'll be page 17.","start":433.155,"end":435.095,"sentiment":"neutral","sentiment_score":0.012980591738596559},{"text":"17 slash 18 on the dot sign.","start":436.755,"end":439.255,"sentiment":"neutral","sentiment_score":0.013265951337026698},{"text":"Yeah.","start":439.955,"end":440.435,"sentiment":"neutral","sentiment_score":0.1374942660331726},{"text":"Cool.","start":440.435,"end":440.835,"sentiment":"neutral","sentiment_score":0.2046007215976715},{"text":"So the updated portfolio, basically, you can see the second row, Bennelong goes to a flat zero.","start":440.835,"end":445.29,"sentiment":"neutral","sentiment_score":0.05747550550629111}],"sentiment":"neutral","sentiment_score":0.04879875358504553,"num_words":30,"start":433.155,"end":445.29},{"sentences":[{"text":"That's the biggest one we're getting rid of.","start":445.29,"end":447.23,"sentiment":"neutral","sentiment_score":-0.05674944957718253},{"text":"In our updated portfolios, we're putting a slight extra amount into, like, gold, five to 7%.","start":447.61,"end":453.93,"sentiment":"neutral","sentiment_score":0.10443167760968208},{"text":"Just that's been a pretty good alternative.","start":453.93,"end":455.63,"sentiment":"neutral","sentiment_score":0.28662241782460895},{"text":"A few sectors were changing around, so instead of hitting, like, Europe and Japan, we're more leaning towards, like, health care in India and a few sectors like that, maintaining 25% in the S and P instead of 30, but bunch of that sort of bumped off into JPMorgan's index equity global.","start":456.25,"end":475.0,"sentiment":"neutral","sentiment_score":0.02055050439846057},{"text":"The main one at the second last row that you can see can you see the one that says outstanding Australian share?","start":475.38,"end":480.84,"sentiment":"neutral","sentiment_score":0.07037633352658966}],"sentiment":"neutral","sentiment_score":0.055620702249663215,"num_words":105,"start":445.29,"end":480.84},{"sentences":[{"text":"That's your Benelon replacement.","start":482.1,"end":483.72,"sentiment":"neutral","sentiment_score":0.16975435987114906},{"text":"It is actively managed similar to Benelon, but it's got some slightly lower fees, and it's actually kind of smashed the performance over one, three, five, and ten years.","start":484.1,"end":493.42502,"sentiment":"neutral","sentiment_score":0.24614129138403926},{"text":"It's kind of top three pack, whereas Bennelong's kind of split off into a very strange direction.","start":493.64502,"end":499.90503,"sentiment":"neutral","sentiment_score":-0.14374339996891863},{"text":"Hasn't been performing in line with the other options or the Aussie market.","start":500.66,"end":504.36002,"sentiment":"neutral","sentiment_score":-0.12247425489700757},{"text":"So that's the main replacement.","start":504.98,"end":506.52002,"sentiment":"neutral","sentiment_score":0.016044166497886182}],"sentiment":"neutral","sentiment_score":0.056787244249683094,"num_words":68,"start":482.1,"end":506.52002},{"sentences":[{"text":"K?","start":508.18,"end":508.68,"sentiment":"neutral","sentiment_score":0.022495519369840625},{"text":"Everything with yours, it's a pretty standard core and satellite.","start":509.14,"end":512.12,"sentiment":"neutral","sentiment_score":0.15071064978837967},{"text":"A lot of these options are like low fee ETFs.","start":512.34,"end":514.755,"sentiment":"neutral","sentiment_score":0.15208431482315063},{"text":"So there's a little bit of brokerage to switch around and some capital gains tax that we factor in when we decide how many options to move, and that's all included on your projections.","start":514.995,"end":525.09503,"sentiment":"neutral","sentiment_score":0.08293190434136812},{"text":"If you wanna just go down to the next one, you got your nice lovely colored pie chart there for your asset allocation.","start":525.315,"end":530.295,"sentiment":"neutral","sentiment_score":0.219405314196711}],"sentiment":"neutral","sentiment_score":0.1399545146104617,"num_words":78,"start":508.18,"end":530.295},{"sentences":[{"text":"Me too.","start":532.24005,"end":532.98004,"sentiment":"neutral","sentiment_score":0.27398820221424103},{"text":"Middle row in growth total, all I wanted to point out there is that we're still trying to maintain that 90% growth assets across the board.","start":533.60004,"end":540.66003,"sentiment":"neutral","sentiment_score":0.20871529928766763},{"text":"And, again, it's pretty heavily in the international space.","start":542.32,"end":544.64,"sentiment":"neutral","sentiment_score":0.14306842784086862},{"text":"That's just because, obviously, Mercer's fifty fifty between the international shares and a high growth option.","start":544.64,"end":550.53503,"sentiment":"neutral","sentiment_score":0.1853247880935669},{"text":"So and we do tend to tilt our portfolios a little bit more international than Australian as well.","start":550.675,"end":555.895,"sentiment":"neutral","sentiment_score":0.05831366860204273}],"sentiment":"neutral","sentiment_score":0.15883144620858447,"num_words":71,"start":532.24005,"end":555.895},{"sentences":[{"text":"Okay?","start":557.155,"end":557.655,"sentiment":"neutral","sentiment_score":0.06982039660215378},{"text":"Projections on the next page, you can see the balances.","start":558.115,"end":560.96,"sentiment":"neutral","sentiment_score":0.08717962000519038},{"text":"We're just kind of maintaining the balances between the two funds as they are.","start":560.96,"end":564.8,"sentiment":"neutral","sentiment_score":0.08294033205934934},{"text":"Keep your contributions going to Netwealth.","start":564.8,"end":566.74,"sentiment":"neutral","sentiment_score":0.183378167450428},{"text":"We'll double check your opt in to Mercer for the insurances, which you'd already done last year.","start":566.96,"end":572.085,"sentiment":"neutral","sentiment_score":0.10559608831125147}],"sentiment":"neutral","sentiment_score":0.10412882815580815,"num_words":48,"start":557.155,"end":572.085},{"sentences":[{"text":"$8.63 was factored in for, like, capital gains tax for the growth of the super options that we're switching, but the investment fees are about $350 cheaper per year for the investments that we're switching.","start":573.36505,"end":586.74,"sentiment":"neutral","sentiment_score":0.091959227089371},{"text":"K?","start":588.42,"end":588.89996,"sentiment":"neutral","sentiment_score":0.04451273754239082},{"text":"Down the bottom, five year rolling average of what you currently have, which is everything spliced together, is about 10% per annum.","start":588.89996,"end":596.44,"sentiment":"neutral","sentiment_score":0.05970502069050616},{"text":"The new portfolio looking about 13 and a half.","start":596.66,"end":599.055,"sentiment":"neutral","sentiment_score":0.07840147614479065},{"text":"Cool.","start":600.975,"end":601.375,"sentiment":"positive","sentiment_score":0.3840596675872803}],"sentiment":"neutral","sentiment_score":0.08332748667282217,"num_words":68,"start":573.36505,"end":601.375},{"sentences":[{"text":"So when you're in high growth, nine to 10 is the benchmark.","start":601.375,"end":603.955,"sentiment":"neutral","sentiment_score":0.11209984806676705},{"text":"And, again, we're trying to sort of overshoot it and factor in fees, premiums, taxes, and so on.","start":604.175,"end":609.475,"sentiment":"neutral","sentiment_score":0.039622095620466605},{"text":"Cool.","start":611.135,"end":611.58,"sentiment":"neutral","sentiment_score":0.3025698661804199},{"text":"Outside of that five and ten year projections on the next page, we're looking for an impact of about 50 to 100 grands over the next five to ten years in the green, of course, just by switching the investments.","start":612.06,"end":624.4,"sentiment":"neutral","sentiment_score":0.04747402514331043},{"text":"That'll bump up a tiny bit because of your contributions based on an income of $1.30.","start":625.42505,"end":629.84503,"sentiment":"neutral","sentiment_score":0.13291548029519618}],"sentiment":"neutral","sentiment_score":0.07340890177707562,"num_words":87,"start":601.375,"end":629.84503},{"sentences":[{"text":"Again, we base it on $1.20.","start":629.905,"end":631.525,"sentiment":"neutral","sentiment_score":0.05411680229008198},{"text":"Cool.","start":632.945,"end":633.445,"sentiment":"neutral","sentiment_score":0.21345318853855133},{"text":"We just got some performance figures listed there, and then we've just got your insurances listed after that to keep the life and TPD cover, which is a 125,000 of each.","start":633.585,"end":644.0,"sentiment":"neutral","sentiment_score":0.08782801560817226},{"text":"Bear in mind, obviously, we haven't fully calculated whether you should increase or decrease that just because we're gonna revisit your insurances when you can have some options to switch around.","start":644.14,"end":653.60004,"sentiment":"neutral","sentiment_score":-0.03584556569976191},{"text":"But at the time, you were like, well, just keep that in place.","start":653.625,"end":656.025,"sentiment":"neutral","sentiment_score":0.023322855623868797}],"sentiment":"neutral","sentiment_score":0.02991228137256169,"num_words":82,"start":629.905,"end":656.025},{"sentences":[{"text":"It's cheap, and you value having it.","start":656.025,"end":658.285,"sentiment":"neutral","sentiment_score":0.09854788333177567},{"text":"K?","start":659.465,"end":659.785,"sentiment":"neutral","sentiment_score":0.008203642442822456},{"text":"So at this point, you won't have income protection or trauma.","start":659.785,"end":662.265,"sentiment":"neutral","sentiment_score":-0.07555801692334088},{"text":"It's just the life and the TPD.","start":662.265,"end":663.805,"sentiment":"neutral","sentiment_score":0.20428806756223952},{"text":"Cool.","start":665.305,"end":665.64,"sentiment":"positive","sentiment_score":0.6644527316093445}],"sentiment":"neutral","sentiment_score":0.0726433275612416,"num_words":27,"start":656.025,"end":665.64},{"sentences":[{"text":"Premium impact table at the bottom of page 21 just shows you what difference that $3.38 actually makes in your super, which isn't too much.","start":666.2,"end":673.58,"sentiment":"positive","sentiment_score":0.3855659866333008},{"text":"That's pretty low premiums.","start":673.72003,"end":675.02,"sentiment":"positive","sentiment_score":0.44748029112815857},{"text":"A lot of people at your age will be paying 1,500 to $3, so the impact's pretty minimal by having that insurance.","start":675.16003,"end":681.615,"sentiment":"neutral","sentiment_score":0.20499243180860172},{"text":"The other thing too I just wanna quickly point out is Mercer only charges percentage based admin fees for having the account open.","start":683.135,"end":690.575,"sentiment":"neutral","sentiment_score":0.0673815663094106},{"text":"So it doesn't penalize you for having that second super fund open, whereas some other super funds will charge you, like, a flat dollar amount, which puts you a bit more in the red.","start":690.575,"end":700.51,"sentiment":"neutral","sentiment_score":-0.0007087420946096673}],"sentiment":"neutral","sentiment_score":0.1617091030003158,"num_words":108,"start":666.2,"end":700.51},{"sentences":[{"text":"So less of an issue there.","start":701.85004,"end":703.31,"sentiment":"neutral","sentiment_score":-0.05718780433138212},{"text":"Beyond that, mate, most of the rest of that document just talks about putting in place a will and a power of attorney on page 24 to 27.","start":703.93,"end":711.315,"sentiment":"neutral","sentiment_score":0.043698655907064676},{"text":"I probably won't tell you why you should put a will in place again, but just that usual reminder that you can go to the public trustee or a lawyer or even a will kit at the post office.","start":711.775,"end":721.875,"sentiment":"neutral","sentiment_score":0.05167402828542086},{"text":"Beauty?","start":723.295,"end":723.795,"sentiment":"neutral","sentiment_score":0.2054782807826996},{"text":"Any questions so far?","start":724.27,"end":725.57,"sentiment":"neutral","sentiment_score":0.17965656518936157}],"sentiment":"neutral","sentiment_score":0.048972143385654844,"num_words":78,"start":701.85004,"end":725.57},{"sentences":[{"text":"Awesome.","start":728.99,"end":729.47,"sentiment":"positive","sentiment_score":0.6516479253768921},{"text":"Mate, everything else after that is we've got the adviser service fees listed.","start":729.47,"end":733.63,"sentiment":"neutral","sentiment_score":0.2749834736952415},{"text":"There's no commissions on the Mercer policy, and then we've got an authority to proceed.","start":733.63,"end":738.05,"sentiment":"neutral","sentiment_score":0.21005258162816365},{"text":"So when you go through to click through that, I've attached our updated financial services guide with our updated licensing details.","start":738.58496,"end":746.845,"sentiment":"neutral","sentiment_score":0.13824503301155},{"text":"We've got an appendix there with some background research just showing you the alternatives that we did consider just so you've got that there on file and a few links to the options that we've recommended if you're ever curious.","start":746.985,"end":757.68,"sentiment":"neutral","sentiment_score":0.1481348080560565}],"sentiment":"neutral","sentiment_score":0.1800639980369144,"num_words":90,"start":728.99,"end":757.68},{"sentences":[{"text":"Cool.","start":759.74,"end":759.89996,"sentiment":"positive","sentiment_score":0.3373013138771057},{"text":"Any questions for me at this point?","start":759.89996,"end":761.51996,"sentiment":"neutral","sentiment_score":0.1366459929517337},{"text":"Awesome, Simon.","start":763.01996,"end":763.74,"sentiment":"neutral","sentiment_score":0.27745927684009075},{"text":"Now one thing that may be a little bit tricky is when you go through the link on that email to sign the statement of advice, there is a a signature and date box for the authority to proceed.","start":763.74,"end":774.885,"sentiment":"neutral","sentiment_score":-0.015545092642498322},{"text":"That's standard.","start":774.885,"end":775.685,"sentiment":"neutral","sentiment_score":0.12099940702319145}],"sentiment":"neutral","sentiment_score":0.02910749057271317,"num_words":51,"start":759.74,"end":775.685},{"sentences":[{"text":"That's easy.","start":775.685,"end":776.405,"sentiment":"neutral","sentiment_score":0.297977089881897},{"text":"If you can draw the signature on there instead of type it, that's more acceptable for the providers.","start":776.405,"end":781.22003,"sentiment":"neutral","sentiment_score":0.08989889257484013},{"text":"Cool.","start":783.92004,"end":784.42004,"sentiment":"positive","sentiment_score":0.49945586919784546},{"text":"The only other thing is I've added a checkbox to say that you're comfortable to go ahead with either all of the recommendations or some of them and a little bit of a text box.","start":784.48004,"end":793.665,"sentiment":"neutral","sentiment_score":0.1351555925926992},{"text":"So if you can just check the one at the top to go ahead with all of them and see if you can ignore the second check box and the text box, there's nothing to write in.","start":793.745,"end":802.32495,"sentiment":"neutral","sentiment_score":0.055235861423047816}],"sentiment":"neutral","sentiment_score":0.10201895407210755,"num_words":93,"start":775.685,"end":802.32495},{"sentences":[{"text":"If it forces you to type in it, just put in NA.","start":802.38495,"end":805.125,"sentiment":"neutral","sentiment_score":0.01701889947677652},{"text":"Easy done.","start":807.745,"end":808.47,"sentiment":"positive","sentiment_score":0.39637725055217743},{"text":"Mate, that's pretty much it for the time being.","start":808.62994,"end":810.47,"sentiment":"neutral","sentiment_score":0.3207985825008816},{"text":"Any other major changes or anything you need at the moment?","start":810.47,"end":812.81,"sentiment":"neutral","sentiment_score":0.06552591344172304},{"text":"It's nice to have a consistent year where things just gradually improve and nothing's blowing up in the background.","start":816.62994,"end":821.85,"sentiment":"positive","sentiment_score":0.512131038464998}],"sentiment":"neutral","sentiment_score":0.27048006256655704,"num_words":53,"start":802.38495,"end":821.85},{"sentences":[{"text":"Awesome, Adam.","start":826.265,"end":826.985,"sentiment":"positive","sentiment_score":0.5026849210262299},{"text":"So once we get that back, we'll do the investment switches online.","start":826.985,"end":830.925,"sentiment":"neutral","sentiment_score":0.2019421954949697},{"text":"I'll send you that investment switch form, and I'll send you a little text just to give you a heads up once that's through to your Gmail account.","start":830.985,"end":837.74005,"sentiment":"neutral","sentiment_score":0.21746070363691875},{"text":"Perfect.","start":839.72003,"end":840.12006,"sentiment":"positive","sentiment_score":0.4380289316177368},{"text":"From there, I'll update your file, make sure we've got the one thirty listed, and we'll kind of schedule the usual annual review catch ups and so on.","start":840.12006,"end":849.105,"sentiment":"neutral","sentiment_score":0.20070829029594148}],"sentiment":"neutral","sentiment_score":0.21937235140464675,"num_words":71,"start":826.265,"end":849.105},{"sentences":[{"text":"If you if you can, that'd be great.","start":852.46497,"end":855.045,"sentiment":"neutral","sentiment_score":0.18706796830520034},{"text":"Oh, it's popped it already.","start":859.425,"end":860.805,"sentiment":"neutral","sentiment_score":-0.12422303855419159},{"text":"Oh, I've gotcha.","start":863.665,"end":867.04,"sentiment":"neutral","sentiment_score":0.002177236601710319},{"text":"And has it got a is it allowing you to sort of skip through past those checkboxes?","start":867.04,"end":872.66,"sentiment":"neutral","sentiment_score":0.0036309963530477356},{"text":"Or yep.","start":872.88,"end":878.595,"sentiment":"neutral","sentiment_score":0.04347654618322849}],"sentiment":"neutral","sentiment_score":0.029446865538401264,"num_words":35,"start":852.46497,"end":878.595},{"sentences":[{"text":"Perfect.","start":885.795,"end":886.295,"sentiment":"neutral","sentiment_score":0.04846160113811493},{"text":"I might have a little look see.","start":886.915,"end":888.995,"sentiment":"neutral","sentiment_score":-0.1598708512527602},{"text":"Is it is it like a next button that pulls you to the oh, it doesn't let you skip the text box.","start":888.995,"end":899.73,"sentiment":"neutral","sentiment_score":-0.08366855394772509},{"text":"I wonder I wonder if there is that the checkbox issue.","start":899.73,"end":904.38995,"sentiment":"neutral","sentiment_score":-0.255878898230466},{"text":"Okay.","start":910.305,"end":910.70496,"sentiment":"neutral","sentiment_score":-0.00906310509890318}],"sentiment":"neutral","sentiment_score":-0.13654936976464732,"num_words":42,"start":885.795,"end":910.70496},{"sentences":[{"text":"Can you check both and just make sure you've got NA in that textbox?","start":910.70496,"end":914.08496,"sentiment":"neutral","sentiment_score":-0.0027420793526938985},{"text":"That should still be fine.","start":914.14496,"end":915.445,"sentiment":"neutral","sentiment_score":0.02155926898121834},{"text":"Oh, legend.","start":915.825,"end":916.565,"sentiment":"neutral","sentiment_score":0.09568937495350838},{"text":"Damn you, Simon?","start":917.02496,"end":917.925,"sentiment":"neutral","sentiment_score":0.13975457102060318},{"text":"Mate, that's the easiest fifteen minutes ever, but if you do have any questions, please let us know.","start":920.4,"end":924.34,"sentiment":"neutral","sentiment_score":0.31636492162942886}],"sentiment":"neutral","sentiment_score":0.15177662586349816,"num_words":42,"start":910.70496,"end":924.34},{"sentences":[{"text":"Yeah.","start":927.36,"end":927.68,"sentiment":"neutral","sentiment_score":0.036023594439029694},{"text":"And, hopefully, things are rolling pretty well because, again, market's been a bit choppy at the moment, so it's a pretty good time to do a few switches.","start":927.68,"end":933.7,"sentiment":"neutral","sentiment_score":0.04897338777248349},{"text":"And then when we catch up next, I'll I'll run you through a bit of detail.","start":933.945,"end":937.48505,"sentiment":"neutral","sentiment_score":0.10931880446150899},{"text":"Yeah.","start":942.10504,"end":942.34503,"sentiment":"neutral","sentiment_score":0.07863440364599228},{"text":"But it's a it's an opportunity, buying opportunity.","start":942.34503,"end":944.685,"sentiment":"neutral","sentiment_score":0.2501810248941183}],"sentiment":"neutral","sentiment_score":0.09697151715280833,"num_words":54,"start":927.36,"end":944.685},{"sentences":[{"text":"Awesome, mate.","start":947.14294,"end":947.7829,"sentiment":"positive","sentiment_score":0.8365519344806671},{"text":"Any questions for me before I let you go, sir?","start":947.7829,"end":949.88293,"sentiment":"neutral","sentiment_score":0.18681817576289178},{"text":"You're a legend.","start":951.38293,"end":951.94293,"sentiment":"positive","sentiment_score":0.7248557806015015},{"text":"Have a fantastic week, and keep an eye out for those techs.","start":951.94293,"end":954.58295,"sentiment":"neutral","sentiment_score":0.2913254629820585},{"text":"We'll see you later.","start":954.58295,"end":955.4029,"sentiment":"neutral","sentiment_score":0.15844500809907913}],"sentiment":"neutral","sentiment_score":0.3175980179540573,"num_words":31,"start":947.14294,"end":955.4029},{"sentences":[{"text":"Bye.","start":956.1029,"end":956.6029,"sentiment":"neutral","sentiment_score":-0.10149344801902772}],"sentiment":"neutral","sentiment_score":-0.10149344801902772,"num_words":1,"start":956.1029,"end":956.6029}]}}]},{"alternatives":[{"transcript":"No. Hello. So I'm speaking. Yeah. It will be fine. Okay. Good. Thanks. Tell me. How are you? Yeah. Yeah. I do. I just have to have a meeting. So we're all good to go. I do. Just give us two seconds. Sorry. It's a bit noisy here. I'm just gonna go jump in my car where it's a bit quieter. Okay. I haven't received it yet. Did you just send it then? Or there we go. Got it, mate. Yep. Yep. All good. Service is good. Thank you. Can do, mate. Yep. Got it. Yeah, mate. It's fine. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. Yep. Mhmm. Yep. Two. Nah. Nah. Yep. Cool. Mhmm. Yeah. Yeah. Mhmm. Yeah. Yeah. Once the wife's off maternity leave, I think, was the was the plan. Yep. Mhmm. Yep. It's just gone up to it's gone up to $1.30, actually, as of today. So so that's good. Thank you, man. That's the meeting I just got in. Sounds good. Yeah. Yeah. Yeah, man. It's pretty good, man. Yep. Mhmm. Yeah. No worries. Yeah. They're going fine. Ashley's gonna start another day a week per week work soon, so that'll be good. Yep. Good night. Everything's fine. Yep. Mhmm. Mhmm. Yep. Yeah. Yeah. Slightly. But it's it's close enough, I think. I don't think it's very far off. Yep. Mhmm. Yep. Mhmm. Yeah. Mhmm. Awesome. Yep. Mhmm. Yep. Yes. Yeah. Mhmm. Yep. Yep. So you've removed Benelon? Is that what it says in there? Because they underperformed. Yep. Okay. Yep. Okay. Yeah. Yep. That's fine. Yep. Yep. Yeah. Yeah. Yep. Yep. Mhmm. Yep. Yep. Nice. Yep. Okay. Yeah. For sure. Yep. Yeah. No worries. If you could fill it in, that'd be great. I know everyone says they're time poor, but I'm generally time poor. So yeah. If if you you fill it in and send it through, is that possible? And I can assign it. Yeah. Yep. Yep. Nice. Thank you very much. Yep. Which page? Page 19? 17. Yes. I can. Yep. Yep. Yep. Yep. Got it. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. Yes. Okay. Mhmm. Yeah. Okay. Yep. Yep. Yep. Yep. I love a good pot chat. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Okay. Yep. Yep. Mhmm. Nice. Yep. Mhmm. Nice. Thank you. Yep. Awesome. Mhmm. Yep. Yep. Yep. Yes. Yep. Yeah. Yeah. Yep. Okay. Yes. Okay. Yep. Mhmm. Okay. Yeah. Yeah. No. Yep. Yep. Yep. Thank you. There's no questions. No. It'll it's it all looks pretty good. Yep. Mhmm. Mhmm. Yep. Cool. No questions. Yep. Yep. Yeah. I'll jump on my laptop if it'd be easier that way. That's fine. Mhmm. Yep. Yep. No worries. There's nothing changing, which is great. Everything's just ticking along nicely. So yeah. I'm quite yeah. No. It's it's it's really, really good, actually. Yeah. Yeah. Alright. Yeah. So I'm doing this DocuSign at the moment. That's correct. You want me to sign that? Yep. It's not allowing me. It's just already got my signature prepopulated in there. See? Yeah. It's just prepopulated my signature. So I don't know. As in just my name written down. Yes. I've ticked I hereby authorize. I've skipped the I've chosen the vary, the recommendation. Nothing in the text box below that, and it's got my name, things out, date, and it won't let me skip through. It was gonna write NA. No. I wrote NA, but it's still not letting me. Silly, silly thing. I'd say there is because if I check it yeah. If if I check, it says validate. I have. Yeah. Yep. Alright. Done. Awesome. It's eighty to fifteen minutes, but it needs to be done. Sorry. Yep. Yeah. Can't be scared about the market being choppy, Dane. Just gotta just gotta wait. Next year will be better for sure. Yes. That's it. Awesome. Thank you very much. Nah. That's done, mate. Thank you. Alright. See you. Bye. Will do, mate. 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So I'm speaking. Yeah. It will be fine.\n\nOkay. Good. Thanks. Tell me. How are you?\n\nYeah. Yeah. I do. I just have to have a meeting. So we're all good to go.\n\nI do. Just give us two seconds. Sorry. It's a bit noisy here. I'm just gonna go jump in my car where it's a bit quieter.\n\nOkay. I haven't received it yet. Did you just send it then? Or there we go. Got it, mate.\n\nYep. Yep. All good. Service is good. Thank you.\n\nCan do, mate. Yep. Got it. Yeah, mate. It's fine.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYeah. Yep. Mhmm. Yep. Two.\n\nNah. Nah. Yep. Cool. Mhmm.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nOnce the wife's off maternity leave, I think, was the was the plan. Yep. Mhmm. Yep. It's just gone up to it's gone up to $1.30, actually, as of today.\n\nSo so that's good. Thank you, man. That's the meeting I just got in. Sounds good. Yeah.\n\nYeah. Yeah, man. It's pretty good, man. Yep. Mhmm.\n\nYeah. No worries. Yeah. They're going fine. Ashley's gonna start another day a week per week work soon, so that'll be good.\n\nYep. Good night. Everything's fine. Yep. Mhmm.\n\nMhmm. Yep. Yeah. Yeah. Slightly.\n\nBut it's it's close enough, I think. I don't think it's very far off. Yep. Mhmm. Yep.\n\nMhmm. Yeah. Mhmm. Awesome. Yep.\n\nMhmm. Yep. Yes. Yeah. Mhmm.\n\nYep. Yep. So you've removed Benelon? Is that what it says in there? Because they underperformed.\n\nYep. Okay. Yep. Okay. Yeah.\n\nYep. That's fine. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Mhmm. Yep.\n\nYep. Nice. Yep. Okay. Yeah.\n\nFor sure. Yep. Yeah. No worries. If you could fill it in, that'd be great.\n\nI know everyone says they're time poor, but I'm generally time poor. So yeah. If if you you fill it in and send it through, is that possible? And I can assign it. Yeah.\n\nYep. Yep. Nice. Thank you very much. Yep.\n\nWhich page? Page 19? 17. Yes. I can.\n\nYep. Yep. Yep. Yep. Got it.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nMhmm. Yeah. Yes. Okay. Mhmm.\n\nYeah. Okay. Yep. Yep. Yep.\n\nYep. I love a good pot chat. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nOkay. Yep. Yep. Mhmm. Nice.\n\nYep. Mhmm. Nice. Thank you. Yep.\n\nAwesome. Mhmm. Yep. Yep. Yep.\n\nYes. Yep. Yeah. Yeah. Yep.\n\nOkay. Yes. Okay. Yep. Mhmm.\n\nOkay. Yeah. Yeah. No. Yep.\n\nYep. Yep. Thank you. There's no questions. No.\n\nIt'll it's it all looks pretty good. Yep. Mhmm. Mhmm. Yep.\n\nCool. No questions. Yep. Yep. Yeah.\n\nI'll jump on my laptop if it'd be easier that way. That's fine. Mhmm. Yep. Yep.\n\nNo worries. There's nothing changing, which is great. Everything's just ticking along nicely. So yeah. I'm quite yeah.\n\nNo. It's it's it's really, really good, actually. Yeah. Yeah. Alright.\n\nYeah. So I'm doing this DocuSign at the moment. That's correct. You want me to sign that? Yep.\n\nIt's not allowing me. It's just already got my signature prepopulated in there. See? Yeah. It's just prepopulated my signature.\n\nSo I don't know. As in just my name written down. Yes. I've ticked I hereby authorize. I've skipped the I've chosen the vary, the recommendation.\n\nNothing in the text box below that, and it's got my name, things out, date, and it won't let me skip through. It was gonna write NA. No. I wrote NA, but it's still not letting me. Silly, silly thing.\n\nI'd say there is because if I check it yeah. If if I check, it says validate. I have. Yeah. Yep.\n\nAlright. Done. Awesome. It's eighty to fifteen minutes, but it needs to be done. Sorry.\n\nYep. Yeah. Can't be scared about the market being choppy, Dane. Just gotta just gotta wait. Next year will be better for sure.\n\nYes. That's it. Awesome. Thank you very much. Nah.\n\nThat's done, mate. Thank you. Alright. See you. Bye.\n\nWill do, mate. Bye.","paragraphs":[{"sentences":[{"text":"No.","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":-0.08095715194940567},{"text":"Hello.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":-0.010945332236588},{"text":"So I'm speaking.","start":1.8399999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.005915877719720204},{"text":"Yeah.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.07519402354955673},{"text":"It will be 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done.","start":924.22003,"end":926.38,"sentiment":"neutral","sentiment_score":-0.025657362897287716},{"text":"Sorry.","start":926.38,"end":926.88,"sentiment":"neutral","sentiment_score":-0.047028493136167526}],"sentiment":"neutral","sentiment_score":0.03476010461648305,"num_words":15,"start":915.825,"end":926.88},{"sentences":[{"text":"Yep.","start":928.3,"end":928.8,"sentiment":"neutral","sentiment_score":0.1882362365722656},{"text":"Yeah.","start":934.135,"end":934.635,"sentiment":"neutral","sentiment_score":0.06377662718296051},{"text":"Can't be scared about the market being choppy, Dane.","start":937.735,"end":939.575,"sentiment":"neutral","sentiment_score":-0.10116102753414048},{"text":"Just gotta just gotta wait.","start":939.575,"end":940.695,"sentiment":"neutral","sentiment_score":-0.06586735397577285},{"text":"Next year will be better for sure.","start":940.695,"end":942.635,"sentiment":"neutral","sentiment_score":0.022373018387172903}],"sentiment":"neutral","sentiment_score":-0.0361374793574214,"num_words":23,"start":928.3,"end":942.635},{"sentences":[{"text":"Yes.","start":944.295,"end":944.79,"sentiment":"neutral","sentiment_score":0.20331761240959167},{"text":"That's it.","start":944.94995,"end":945.69,"sentiment":"neutral","sentiment_score":0.19617904722690582},{"text":"Awesome.","start":946.79,"end":947.11,"sentiment":"positive","sentiment_score":0.7844933271408081},{"text":"Thank you very much.","start":947.11,"end":948.25,"sentiment":"positive","sentiment_score":0.7995071858167648},{"text":"Nah.","start":949.50995,"end":949.82996,"sentiment":"neutral","sentiment_score":0.026862140744924545}],"sentiment":"positive","sentiment_score":0.5116733242240217,"num_words":9,"start":944.295,"end":949.82996},{"sentences":[{"text":"That's done, mate.","start":949.82996,"end":950.47,"sentiment":"positive","sentiment_score":0.35851941009362537},{"text":"Thank you.","start":950.47,"end":951.20996,"sentiment":"positive","sentiment_score":0.7674658596515656},{"text":"Alright.","start":952.38995,"end":952.79,"sentiment":"positive","sentiment_score":0.40453577041625977},{"text":"See you.","start":952.79,"end":953.19,"sentiment":"positive","sentiment_score":0.4116149842739105},{"text":"Bye.","start":953.19,"end":953.69,"sentiment":"neutral","sentiment_score":0.13291339576244354}],"sentiment":"positive","sentiment_score":0.44124100936783683,"num_words":9,"start":949.82996,"end":953.69},{"sentences":[{"text":"Will do, mate.","start":954.87,"end":955.75,"sentiment":"neutral","sentiment_score":0.10467297087113063},{"text":"Bye.","start":955.75,"end":956.25,"sentiment":"neutral","sentiment_score":0.07996821403503418}],"sentiment":"neutral","sentiment_score":0.09849678166210651,"num_words":4,"start":954.87,"end":956.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: No. Hello. So I'm speaking. Yeah.\n\nChannel 0: Hey,\n\nChannel 1: It will be\n\nChannel 0: Simon.\n\nChannel 1: fine.\n\nChannel 0: Happy New Year, sir. It's Tommy\n\nChannel 1: Okay.\n\nChannel 0: from Oakview, mate. How are you doing?\n\nChannel 1: Good. Thanks. Tell me. How are you?\n\nChannel 0: Doing fantastic. It's great to talk to you again.\n\nChannel 1: Yeah.\n\nChannel 0: Just calling up to go through that updated advice strategy. Do you still have some\n\nChannel 1: Yeah.\n\nChannel 0: time now?\n\nChannel 1: I do. I just have to have a meeting. So we're all good\n\nChannel 0: Beautiful.\n\nChannel 1: to go.\n\nChannel 0: Mate, I've popped through the advice document to your Gmail account. Do you have access to that one today?\n\nChannel 1: I do. Just give us two seconds.\n\nChannel 0: That's okay. It may go through to your main\n\nChannel 1: Sorry.\n\nChannel 0: inbox\n\nChannel 1: It's\n\nChannel 0: or\n\nChannel 1: a bit\n\nChannel 0: spam\n\nChannel 1: noisy\n\nChannel 0: box.\n\nChannel 1: here. I'm just gonna go jump in my car where it's a bit quieter.\n\nChannel 0: Yeah. No\n\nChannel 1: Okay.\n\nChannel 0: worries.\n\nChannel 1: I haven't received it yet. Did you just send it then? Or there\n\nChannel 0: Yeah.\n\nChannel 1: we go.\n\nChannel 0: That's\n\nChannel 1: Got it, mate. Yep.\n\nChannel 0: perfect.\n\nChannel 1: Yep. All\n\nChannel 0: Now\n\nChannel 1: good.\n\nChannel 0: on that advice document, mate, there's gonna be some attachments, and there's a link for, like, digital sign. Just want you to jump into the statement of advice attachment, and just let me know if you can actually see,\n\nChannel 1: Service\n\nChannel 0: first of all,\n\nChannel 1: is\n\nChannel 0: that\n\nChannel 1: good.\n\nChannel 0: beachfront\n\nChannel 1: Thank you.\n\nChannel 0: city picture. And it should have a little city beachfront picture that looks like the Gold Coast on there. And\n\nChannel 1: Can do, mate.\n\nChannel 0: just\n\nChannel 1: Yep. Got it.\n\nChannel 0: awesome. Can you make out all the text okay on that one?\n\nChannel 1: Yeah, mate. It's fine. Yep.\n\nChannel 0: Beautiful. Beautiful. So I've gone through, and we've just updated some portfolios for your Netwealth and\n\nChannel 1: Mhmm.\n\nChannel 0: also for your Mercer super.\n\nChannel 1: Yep.\n\nChannel 0: If you can flick through down to sort of page three four, it should say scope of advice there.\n\nChannel 1: Yep.\n\nChannel 0: So the main thing we're doing is we weren't looking at changing super funds because NetWealth and Mercer haven't had any significant changes, but we\n\nChannel 1: Mhmm.\n\nChannel 0: were just updating the investments. So this is\n\nChannel 1: Yeah.\n\nChannel 0: kind of what we focus the advice on. With the insurances, because of, obviously, previous health concerns, we were gonna wait a few years before reattempting\n\nChannel 1: Yep.\n\nChannel 0: to try\n\nChannel 1: Mhmm.\n\nChannel 0: and get some.\n\nChannel 1: Yep.\n\nChannel 0: So we're just keeping that in place. I've factored in the premiums just to make sure the impact's there for you as well.\n\nChannel 1: Two.\n\nChannel 0: And the only other thing is estate planning wise, I don't think you had the will and power of attorney in\n\nChannel 1: Nah.\n\nChannel 0: place,\n\nChannel 1: Nah.\n\nChannel 0: but the beneficiaries were all set to your partner.\n\nChannel 1: Yep. Cool.\n\nChannel 0: The only thing that we're not sort of covering in this advice, which is put in scope of advice not considered, is\n\nChannel 1: Mhmm.\n\nChannel 0: obviously replacement insurances. And we're not giving you advice on debt management for properties and so on,\n\nChannel 1: Yeah.\n\nChannel 0: And personal\n\nChannel 1: Yeah.\n\nChannel 0: investments was something we were gonna come back to. We were\n\nChannel 1: Mhmm.\n\nChannel 0: talking about maybe doing a bit of mimicking your super outside, but maybe\n\nChannel 1: Yeah.\n\nChannel 0: in a few years' time once it's a priority for you.\n\nChannel 1: Yeah. Once the wife's off maternity leave, I think, was the was the plan. Yep.\n\nChannel 0: Exactly. And I do have a bit of a note just saying that your income's slightly changed, and I wanted\n\nChannel 1: Mhmm.\n\nChannel 0: to just double check it with you today because I had it as, like, a 115 base up to $1.20 potentially.\n\nChannel 1: Yep.\n\nChannel 0: Just\n\nChannel 1: It's\n\nChannel 0: wondering if\n\nChannel 1: just\n\nChannel 0: that's going\n\nChannel 1: gone\n\nChannel 0: to\n\nChannel 1: up\n\nChannel 0: $1.20\n\nChannel 1: to\n\nChannel 0: five.\n\nChannel 1: it's gone up to $1.30, actually, as of today.\n\nChannel 0: $1.20.\n\nChannel 1: So so that's good.\n\nChannel 0: Congratulations, Doon. So\n\nChannel 1: Thank\n\nChannel 0: I'll\n\nChannel 1: you,\n\nChannel 0: update\n\nChannel 1: man.\n\nChannel 0: that on file.\n\nChannel 1: That's\n\nChannel 0: Obviously,\n\nChannel 1: the meeting\n\nChannel 0: this\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: just\n\nChannel 0: based\n\nChannel 1: got in.\n\nChannel 0: on\n\nChannel 1: Sounds good.\n\nChannel 0: oh, awesome. Promotion\n\nChannel 1: Yeah.\n\nChannel 0: straight into an\n\nChannel 1: Yeah.\n\nChannel 0: advice chat. That's the\n\nChannel 1: Yeah,\n\nChannel 0: best\n\nChannel 1: man.\n\nChannel 0: day.\n\nChannel 1: It's pretty good, man. Yep.\n\nChannel 0: Cool. So I'll update that on the file. It doesn't impact things too much. Obviously, it means that you're getting slightly higher super contributions, and I'll just add that into our file and refresh to send that\n\nChannel 1: Mhmm.\n\nChannel 0: document through to you.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: As for that, any other significant changes? How has Ashley and the little one been going?\n\nChannel 1: Yeah. They're going fine. Ashley's gonna start another day a week per week work soon, so that'll be good.\n\nChannel 0: Awesome.\n\nChannel 1: Yep. Good night. Everything's fine.\n\nChannel 0: Awesome. Everything on the up and up.\n\nChannel 1: Yep.\n\nChannel 0: With the details, we've got your mobile. Your email address is all there, so project manager.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: The details for your homes may be slightly out of whack. We had the home valued at 750,000, mortgage $3.90\n\nChannel 1: Yep.\n\nChannel 0: 2. I'm\n\nChannel 1: Yeah.\n\nChannel 0: assuming it's a little bit off of that.\n\nChannel 1: Yeah. Slightly.\n\nChannel 0: Yep.\n\nChannel 1: But it's it's close enough, I think. I don't think it's very far off.\n\nChannel 0: Perfect. Now if\n\nChannel 1: Yep.\n\nChannel 0: you see on the bottom of that page nine, we've got your current super with Netwealth and Mercer listed.\n\nChannel 1: Mhmm.\n\nChannel 0: Now based on those balances, one thing I did consider was whether we had to roll back a couple of grand to Mercer just to top it up, but\n\nChannel 1: Yep.\n\nChannel 0: it's got 10 in there. 6 is the minimum. The\n\nChannel 1: Mhmm.\n\nChannel 0: premium's\n\nChannel 1: Yeah.\n\nChannel 0: under $400 a year. It should be able\n\nChannel 1: Mhmm.\n\nChannel 0: to maintain that for a number of years before you\n\nChannel 1: Awesome.\n\nChannel 0: have to touch it.\n\nChannel 1: Yep.\n\nChannel 0: K? So the main thing, if you flick through, you've got your insurances on the page after that. High\n\nChannel 1: Mhmm.\n\nChannel 0: growth is your risk profile. So, again,\n\nChannel 1: Yep.\n\nChannel 0: trying to maintain that 90% growth assets at this point.\n\nChannel 1: Yes.\n\nChannel 0: And then if you flick through to page 13, I'll summarize most of this text for you because it's, you know, oodles of text to read, but it's basically just talking about why we've made the recommendations that we have in what's called a best interest duty. So the one thing I'll quickly point out, Simon, is that we're not doing, like, a full retirement analysis at the moment because, obviously, that's twenty five years away. We can't be\n\nChannel 1: Yeah.\n\nChannel 0: too accurate with it, but we do the usual five to ten year projections for the time being. When\n\nChannel 1: Mhmm.\n\nChannel 0: you get\n\nChannel 1: Yep.\n\nChannel 0: closer to retirement, we can actually see how long it'll last.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you flick through, there's some pros and cons and risks and\n\nChannel 1: So\n\nChannel 0: alternatives.\n\nChannel 1: you've removed Benelon? Is that what it says in there? Because they underperformed.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So\n\nChannel 1: Okay.\n\nChannel 0: there's a few options and and sectors that I'm updating on top of that, but the\n\nChannel 1: Yep.\n\nChannel 0: main one was Benelong was kind of a bit\n\nChannel 1: Okay.\n\nChannel 0: of an anchor on the portfolio.\n\nChannel 1: Yeah. Yep. That's fine.\n\nChannel 0: So if you go through to the table on page 16 with investment, it's got your MRSA there first, and then it's\n\nChannel 1: Yep.\n\nChannel 0: got your Netwealth after that.\n\nChannel 1: Yep.\n\nChannel 0: So you had a three way split, which was really fascinating to analyze on my end. You had it all on the passive side, which was low fees and fantastic, but you\n\nChannel 1: Yeah.\n\nChannel 0: had it split between, like, conservative growth and straight up\n\nChannel 1: Yeah.\n\nChannel 0: international shares.\n\nChannel 1: Yep.\n\nChannel 0: And part of my job is to make sure the overall allocation of your super is in line with your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm actually recommending is to bring it up in line with the high growth is\n\nChannel 1: Mhmm.\n\nChannel 0: to can be conservative in growth options and put\n\nChannel 1: Yep.\n\nChannel 0: them into their high growth option, but\n\nChannel 1: Yep.\n\nChannel 0: maintain that passive international shares because that's just low fees and it's had fantastic performance.\n\nChannel 1: Nice.\n\nChannel 0: If I give you a bit of an idea, conservative's done about four percent, growth eight and a half, the high growth's done just shy of 10, and the international shares 15. So I'd rather it\n\nChannel 1: Yep.\n\nChannel 0: be in\n\nChannel 1: Okay.\n\nChannel 0: those two options.\n\nChannel 1: Yeah.\n\nChannel 0: It'll\n\nChannel 1: For\n\nChannel 0: be a little\n\nChannel 1: sure.\n\nChannel 0: bit more volatile, but, again,\n\nChannel 1: Yep.\n\nChannel 0: you've got so much in there that you shouldn't risk the insurances.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Personal preference on that one, we can pre fill in, like, an investment switch form for you to sign for Mercer, or you can just do it online on your app. I just wanted to gauge what you would find easier.\n\nChannel 1: If you could fill it in, that'd be great. I know everyone says they're time poor, but I'm generally time poor. So yeah. If if you you fill it in and send it through, is that possible? And I can\n\nChannel 0: Yeah.\n\nChannel 1: assign\n\nChannel 0: Absolutely.\n\nChannel 1: it.\n\nChannel 0: I haven't\n\nChannel 1: Yeah.\n\nChannel 0: added in this pack because I wanted to ask you first. And then what we'll do is we'll prefill in all the investments to switch from and to and send that through in a DocuSign\n\nChannel 1: Yep. Yep.\n\nChannel 0: as well.\n\nChannel 1: Nice. Thank you very\n\nChannel 0: Cool?\n\nChannel 1: much.\n\nChannel 0: Now next table, there's a heap of figures on the next one on the next page for net wealth because you have so many options. Can you\n\nChannel 1: Yep.\n\nChannel 0: see that right hand column that's all green and red?\n\nChannel 1: Which page? Page 19?\n\nChannel 0: It'll be page 17.\n\nChannel 1: 17.\n\nChannel 0: 17 slash\n\nChannel 1: Yes. I\n\nChannel 0: 18\n\nChannel 1: can.\n\nChannel 0: on the\n\nChannel 1: Yep.\n\nChannel 0: dot\n\nChannel 1: Yep.\n\nChannel 0: sign.\n\nChannel 1: Yep. Yep. Got it.\n\nChannel 0: Yeah. Cool. So the updated portfolio, basically, you can see the second row, Bennelong goes to a flat zero. That's the biggest\n\nChannel 1: Mhmm.\n\nChannel 0: one we're getting rid of.\n\nChannel 1: Yep.\n\nChannel 0: In our updated portfolios, we're putting a slight extra amount into, like, gold,\n\nChannel 1: Mhmm.\n\nChannel 0: five to 7%. Just that's been a pretty good alternative.\n\nChannel 1: Yep.\n\nChannel 0: A few sectors were changing around, so instead of hitting, like, Europe and Japan, we're more leaning towards, like, health care in India and a few sectors like that,\n\nChannel 1: Yep.\n\nChannel 0: maintaining 25% in the S and P instead of 30, but\n\nChannel 1: Mhmm.\n\nChannel 0: bunch of that sort of bumped off into JPMorgan's index equity global. The main one at the second last row that you can see can you see the one\n\nChannel 1: Yeah.\n\nChannel 0: that says outstanding Australian share?\n\nChannel 1: Yes.\n\nChannel 0: That's your Benelon replacement. It\n\nChannel 1: Okay.\n\nChannel 0: is actively managed similar to Benelon, but it's\n\nChannel 1: Mhmm.\n\nChannel 0: got some slightly lower fees, and it's actually kind of smashed the performance over one, three, five, and ten years. It's\n\nChannel 1: Yeah.\n\nChannel 0: kind of top three pack, whereas Bennelong's kind of split off into a very strange direction.\n\nChannel 1: Okay.\n\nChannel 0: Hasn't been performing in line with the other options or the Aussie\n\nChannel 1: Yep.\n\nChannel 0: market. So that's the main replacement.\n\nChannel 1: Yep.\n\nChannel 0: K? Everything with yours, it's a pretty standard core and satellite. A lot of these options are like low fee ETFs. So there's a little bit of brokerage to switch around and some capital gains tax that we factor in when\n\nChannel 1: Yep.\n\nChannel 0: we decide how many options to move, and that's all included on your projections. If you wanna just go down to the next one, you got your nice lovely colored pie chart there for your asset\n\nChannel 1: Yep.\n\nChannel 0: allocation.\n\nChannel 1: I love a good pot chat.\n\nChannel 0: Me too. Middle row\n\nChannel 1: Yep.\n\nChannel 0: in growth total, all I wanted to point out there is that we're still trying to maintain that 90% growth assets across the board. And, again, it's pretty heavily in the international space. That's just because, obviously, Mercer's fifty fifty between the international shares and a high growth option.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: So and we do tend to tilt our portfolios a little bit more international than Australian as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Projections on the next page, you can see the balances. We're just kind of maintaining the balances between the two funds as they are. Keep your contributions going to Netwealth. We'll double\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: check your opt in to Mercer for the insurances, which you'd already done last year.\n\nChannel 1: Yep.\n\nChannel 0: $8.63 was factored in for, like, capital gains tax for the growth of the super options that we're switching,\n\nChannel 1: Mhmm.\n\nChannel 0: but the investment fees are about $350 cheaper per year\n\nChannel 1: Okay.\n\nChannel 0: for the investments that we're switching.\n\nChannel 1: Yep.\n\nChannel 0: K? Down the bottom, five year rolling average of what you currently have, which is everything spliced together,\n\nChannel 1: Yep.\n\nChannel 0: is about 10% per annum. The\n\nChannel 1: Mhmm.\n\nChannel 0: new portfolio looking about 13 and a half.\n\nChannel 1: Nice.\n\nChannel 0: Cool. So when you're in high growth, nine to 10 is the benchmark. And, again, we're trying to sort of overshoot it and factor\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: in fees, premiums, taxes, and so on.\n\nChannel 1: Nice. Thank you.\n\nChannel 0: Cool. Outside of that five and ten year projections on the next page, we're looking for an impact of about 50 to 100 grands over the next five to ten years\n\nChannel 1: Yep.\n\nChannel 0: in the green, of course, just by switching the investments. That'll\n\nChannel 1: Awesome.\n\nChannel 0: bump up a tiny bit because of your contributions based\n\nChannel 1: Mhmm.\n\nChannel 0: on an income of $1.30. Again,\n\nChannel 1: Yep.\n\nChannel 0: we base it on $1.20.\n\nChannel 1: Yep.\n\nChannel 0: Cool. We just got some performance figures listed there, and then we've just got your insurances listed after that to keep the life and TPD cover,\n\nChannel 1: Yep.\n\nChannel 0: which is a 125,000 of each. Bear in mind, obviously, we haven't fully calculated whether you should increase or decrease that just because we're gonna revisit your insurances when you can have\n\nChannel 1: Yes.\n\nChannel 0: some options to switch around. But\n\nChannel 1: Yep.\n\nChannel 0: at the time, you were like, well, just keep that in place. It's cheap,\n\nChannel 1: Yeah.\n\nChannel 0: and you value\n\nChannel 1: Yeah.\n\nChannel 0: having it.\n\nChannel 1: Yep.\n\nChannel 0: K? So at this point, you won't have income protection or trauma. It's just the life and the TPD.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Premium impact table at the bottom of page 21 just shows you what difference that $3.38 actually makes in your super, which isn't too much. That's pretty low premiums. A lot of people\n\nChannel 1: Yes.\n\nChannel 0: at your age will be paying 1,500 to $3, so\n\nChannel 1: Okay.\n\nChannel 0: the impact's pretty minimal\n\nChannel 1: Yep.\n\nChannel 0: by having that insurance. The other thing too I just wanna quickly point out is Mercer only charges percentage based admin fees for having the account open. So it doesn't penalize you for having that second super fund open,\n\nChannel 1: Mhmm.\n\nChannel 0: whereas\n\nChannel 1: Okay.\n\nChannel 0: some other super funds will charge you, like, a flat dollar amount, which\n\nChannel 1: Yeah.\n\nChannel 0: puts you a bit more in the red.\n\nChannel 1: Yeah. No.\n\nChannel 0: So less of an issue there. Beyond that, mate, most of the rest of that document just talks about putting in place a will and a power of attorney on\n\nChannel 1: Yep.\n\nChannel 0: page 24 to 27. I probably won't tell you why you should put a will in place again, but just that usual reminder that you can go to the public trustee or a lawyer or\n\nChannel 1: Yep. Yep.\n\nChannel 0: even a will kit at the post office. Beauty?\n\nChannel 1: Thank\n\nChannel 0: Any questions\n\nChannel 1: you.\n\nChannel 0: so far?\n\nChannel 1: There's no questions. No. It'll it's it all looks pretty good.\n\nChannel 0: Awesome. Mate, everything else after that is we've got the adviser service fees listed. There's no commissions on the Mercer policy, and then we've got an authority to proceed. So\n\nChannel 1: Yep.\n\nChannel 0: when you go through to click through that, I've attached our updated financial services guide with our updated licensing details. We've got an appendix there with some background research just showing you the alternatives that we did consider\n\nChannel 1: Mhmm.\n\nChannel 0: just\n\nChannel 1: Mhmm.\n\nChannel 0: so you've got that there on file and a\n\nChannel 1: Yep.\n\nChannel 0: few links to the options that we've recommended if you're ever curious. Cool. Any questions for me at this point?\n\nChannel 1: Cool. No questions.\n\nChannel 0: Awesome, Simon. Now one thing that may be a little bit tricky is when you go through the link on that email to sign the statement of advice,\n\nChannel 1: Yep.\n\nChannel 0: there is a a signature and date box for the authority to proceed. That's standard.\n\nChannel 1: Yep.\n\nChannel 0: That's easy. If you can draw the signature on there instead of type it, that's more acceptable for the\n\nChannel 1: Yeah.\n\nChannel 0: providers.\n\nChannel 1: I'll jump on my laptop if it'd be easier that way. That's fine.\n\nChannel 0: Cool. The only other thing is I've added a checkbox to say that you're comfortable to go ahead with either all of the recommendations or some of them and a little\n\nChannel 1: Mhmm.\n\nChannel 0: bit of a text box. So if you can just check the one at the top to go ahead with\n\nChannel 1: Yep.\n\nChannel 0: all of them and\n\nChannel 1: Yep.\n\nChannel 0: see if you can ignore the second check box and the text box, there's nothing to write in. If it forces you to type in it, just put in NA.\n\nChannel 1: No worries.\n\nChannel 0: Easy done. Mate, that's pretty much it for the time being. Any other major changes or anything you need at the moment?\n\nChannel 1: There's nothing changing, which is great. Everything's just ticking along nicely. So yeah.\n\nChannel 0: It's nice to have a consistent\n\nChannel 1: I'm quite\n\nChannel 0: year where things just gradually improve and nothing's blowing up in the background.\n\nChannel 1: yeah. No. It's it's it's really, really good, actually. Yeah.\n\nChannel 0: Awesome, Adam. So once we get that back, we'll do the investment switches online. I'll send you that investment switch form, and I'll send you a little text just to give you a heads up once that's through to your Gmail account.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Alright.\n\nChannel 0: From there, I'll update your file, make sure we've got the one thirty listed, and we'll kind of schedule the usual annual review catch ups and so on.\n\nChannel 1: Yeah. So I'm doing this DocuSign at the moment. That's correct. You want me to sign\n\nChannel 0: If\n\nChannel 1: that?\n\nChannel 0: you if you can,\n\nChannel 1: Yep.\n\nChannel 0: that'd be great.\n\nChannel 1: It's not allowing me. It's just already got my signature prepopulated in there. See?\n\nChannel 0: Oh, it's popped it already.\n\nChannel 1: Yeah. It's just prepopulated my signature. So I don't know.\n\nChannel 0: Oh,\n\nChannel 1: As in just my name written down.\n\nChannel 0: I've gotcha. And has it got a is it allowing you to sort of skip through past those checkboxes? Or\n\nChannel 1: Yes. I've ticked I hereby authorize. I've skipped the I've chosen the vary, the\n\nChannel 0: yep.\n\nChannel 1: recommendation. Nothing in the text box below that, and it's got my name, things out, date,\n\nChannel 0: Perfect.\n\nChannel 1: and it won't\n\nChannel 0: I\n\nChannel 1: let\n\nChannel 0: might\n\nChannel 1: me skip\n\nChannel 0: have\n\nChannel 1: through.\n\nChannel 0: a little look see. Is\n\nChannel 1: It\n\nChannel 0: it\n\nChannel 1: was gonna\n\nChannel 0: is\n\nChannel 1: write\n\nChannel 0: it like\n\nChannel 1: NA.\n\nChannel 0: a next button that pulls you to the oh, it doesn't let you skip the text\n\nChannel 1: No. I wrote NA, but it's still not letting me. Silly,\n\nChannel 0: box.\n\nChannel 1: silly\n\nChannel 0: I\n\nChannel 1: thing.\n\nChannel 0: wonder I wonder if there is that the checkbox issue.\n\nChannel 1: I'd say there is because if I check it yeah. If if I check, it says validate.\n\nChannel 0: Okay. Can you check both and just make sure you've got NA in that textbox? That should\n\nChannel 1: I have.\n\nChannel 0: still be\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Oh, legend. Damn\n\nChannel 1: Done.\n\nChannel 0: you, Simon?\n\nChannel 1: Awesome.\n\nChannel 0: Mate, that's the easiest fifteen minutes ever, but if you do have any questions, please let us know.\n\nChannel 1: It's eighty to fifteen minutes, but it needs to be done. Sorry.\n\nChannel 0: Yeah. And, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: things are rolling pretty well because, again, market's been a bit choppy at the moment, so it's a pretty good time to do a few switches. And\n\nChannel 1: Yeah.\n\nChannel 0: then when we catch up next, I'll I'll run you through a bit of detail.\n\nChannel 1: Can't be scared about the market being choppy, Dane. Just gotta just gotta wait. Next year will be better for\n\nChannel 0: Yeah.\n\nChannel 1: sure.\n\nChannel 0: But it's a it's an opportunity, buying opportunity.\n\nChannel 1: Yes. That's it. Awesome. Thank\n\nChannel 0: Awesome,\n\nChannel 1: you\n\nChannel 0: mate.\n\nChannel 1: very much.\n\nChannel 0: Any questions for me before I let you go, sir?\n\nChannel 1: Nah. That's done, mate. Thank you.\n\nChannel 0: You're a legend. Have a fantastic\n\nChannel 1: Alright.\n\nChannel 0: week,\n\nChannel 1: See you.\n\nChannel 0: and\n\nChannel 1: Bye.\n\nChannel 0: keep an eye out for those techs. We'll see you\n\nChannel 1: Will\n\nChannel 0: later.\n\nChannel 1: do, mate. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"No.","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":-0.08095715194940567},{"text":"Hello.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":-0.010945332236588},{"text":"So I'm speaking.","start":1.8399999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.005915877719720204},{"text":"Yeah.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.07519402354955673}],"sentiment":"neutral","sentiment_score":0.0001731954204539458,"channel":1,"num_words":6,"start":0.79999995,"end":2.96},{"sentences":[{"text":"Hey,","start":2.8799999,"end":3.28,"sentiment":"neutral","sentiment_score":0.16424725949764252}],"sentiment":"neutral","sentiment_score":0.16424725949764252,"channel":0,"num_words":1,"start":2.8799999,"end":3.28},{"sentences":[{"text":"It will 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today?","start":23.965,"end":25.665,"sentiment":"neutral","sentiment_score":0.01846551732160151}],"sentiment":"neutral","sentiment_score":0.045143165968750655,"channel":0,"num_words":19,"start":19.485,"end":25.665},{"sentences":[{"text":"I do.","start":25.6,"end":26.08,"sentiment":"neutral","sentiment_score":0.033951159566640854},{"text":"Just give us two seconds.","start":26.08,"end":27.220001,"sentiment":"neutral","sentiment_score":0.005998915433883667}],"sentiment":"neutral","sentiment_score":0.01398527090038572,"channel":1,"num_words":7,"start":25.6,"end":27.220001},{"sentences":[{"text":"That's okay.","start":27.965,"end":28.705,"sentiment":"neutral","sentiment_score":0.010731519665569067},{"text":"It may go through to your 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just gonna go jump in my car where it's a bit 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that advice document, mate, there's gonna be some attachments, and there's a link for, like, digital sign.","start":48.375,"end":53.515,"sentiment":"neutral","sentiment_score":0.09175118721193737},{"text":"Just want you to jump into the statement of advice attachment, and just let me know if you can actually see,","start":53.815,"end":59.24,"sentiment":"neutral","sentiment_score":0.09861025498026893}],"sentiment":"neutral","sentiment_score":0.09544453139488514,"channel":0,"num_words":39,"start":48.375,"end":59.24},{"sentences":[{"text":"Service","start":59.64,"end":60.12,"sentiment":"neutral","sentiment_score":0.12575531005859375}],"sentiment":"neutral","sentiment_score":0.12575531005859375,"channel":1,"num_words":1,"start":59.64,"end":60.12},{"sentences":[{"text":"first of 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Dane.","start":937.735,"end":939.575,"sentiment":"neutral","sentiment_score":-0.10116102753414048},{"text":"Just gotta just gotta wait.","start":939.575,"end":940.695,"sentiment":"neutral","sentiment_score":-0.06586735397577285},{"text":"Next year will be better for","start":940.695,"end":942.135,"sentiment":"neutral","sentiment_score":0.0251874936123689}],"sentiment":"neutral","sentiment_score":-0.05443305280059576,"channel":1,"num_words":20,"start":937.735,"end":942.135},{"sentences":[{"text":"Yeah.","start":942.10504,"end":942.34503,"sentiment":"neutral","sentiment_score":0.07863440364599228}],"sentiment":"neutral","sentiment_score":0.07863440364599228,"channel":0,"num_words":1,"start":942.10504,"end":942.34503},{"sentences":[{"text":"sure.","start":942.135,"end":942.635,"sentiment":"neutral","sentiment_score":0.005486167035996914}],"sentiment":"neutral","sentiment_score":0.005486167035996914,"channel":1,"num_words":1,"start":942.135,"end":942.635},{"sentences":[{"text":"But it's a it's an opportunity, buying opportunity.","start":942.34503,"end":944.685,"sentiment":"neutral","sentiment_score":0.2501810248941183}],"sentiment":"neutral","sentiment_score":0.2501810248941183,"channel":0,"num_words":8,"start":942.34503,"end":944.685},{"sentences":[{"text":"Yes.","start":944.295,"end":944.79,"sentiment":"neutral","sentiment_score":0.20331761240959167},{"text":"That's it.","start":944.94995,"end":945.69,"sentiment":"neutral","sentiment_score":0.19617904722690582},{"text":"Awesome.","start":946.79,"end":947.11,"sentiment":"positive","sentiment_score":0.7844933271408081},{"text":"Thank","start":947.11,"end":947.35,"sentiment":"positive","sentiment_score":0.8785524368286133}],"sentiment":"positive","sentiment_score":0.4517442941665649,"channel":1,"num_words":5,"start":944.295,"end":947.35},{"sentences":[{"text":"Awesome,","start":947.14294,"end":947.5429,"sentiment":"positive","sentiment_score":0.870930552482605}],"sentiment":"positive","sentiment_score":0.870930552482605,"channel":0,"num_words":1,"start":947.14294,"end":947.5429},{"sentences":[{"text":"you","start":947.35,"end":947.58997,"sentiment":"positive","sentiment_score":0.8670164346694946}],"sentiment":"positive","sentiment_score":0.8670164346694946,"channel":1,"num_words":1,"start":947.35,"end":947.58997},{"sentences":[{"text":"mate.","start":947.5429,"end":947.7829,"sentiment":"positive","sentiment_score":0.8021733164787292}],"sentiment":"positive","sentiment_score":0.8021733164787292,"channel":0,"num_words":1,"start":947.5429,"end":947.7829},{"sentences":[{"text":"very much.","start":947.58997,"end":948.25,"sentiment":"positive","sentiment_score":0.7262299358844757}],"sentiment":"positive","sentiment_score":0.7262299358844757,"channel":1,"num_words":2,"start":947.58997,"end":948.25},{"sentences":[{"text":"Any questions for me before I let you go, sir?","start":947.7829,"end":949.88293,"sentiment":"neutral","sentiment_score":0.18681817576289178}],"sentiment":"neutral","sentiment_score":0.18681817576289178,"channel":0,"num_words":10,"start":947.7829,"end":949.88293},{"sentences":[{"text":"Nah.","start":949.50995,"end":949.82996,"sentiment":"neutral","sentiment_score":0.026862140744924545},{"text":"That's done, mate.","start":949.82996,"end":950.47,"sentiment":"positive","sentiment_score":0.35851941009362537},{"text":"Thank you.","start":950.47,"end":951.20996,"sentiment":"positive","sentiment_score":0.7674658596515656}],"sentiment":"positive","sentiment_score":0.43955868172148865,"channel":1,"num_words":6,"start":949.50995,"end":951.20996},{"sentences":[{"text":"You're a legend.","start":951.38293,"end":951.94293,"sentiment":"positive","sentiment_score":0.7248557806015015},{"text":"Have a fantastic","start":951.94293,"end":952.7429,"sentiment":"positive","sentiment_score":0.6726042628288269}],"sentiment":"positive","sentiment_score":0.6987300217151642,"channel":0,"num_words":6,"start":951.38293,"end":952.7429},{"sentences":[{"text":"Alright.","start":952.38995,"end":952.79,"sentiment":"positive","sentiment_score":0.40453577041625977}],"sentiment":"positive","sentiment_score":0.40453577041625977,"channel":1,"num_words":1,"start":952.38995,"end":952.79},{"sentences":[{"text":"week,","start":952.7429,"end":953.0629,"sentiment":"neutral","sentiment_score":0.22728264331817627}],"sentiment":"neutral","sentiment_score":0.22728264331817627,"channel":0,"num_words":1,"start":952.7429,"end":953.0629},{"sentences":[{"text":"See you.","start":952.79,"end":953.19,"sentiment":"positive","sentiment_score":0.4116149842739105}],"sentiment":"positive","sentiment_score":0.4116149842739105,"channel":1,"num_words":2,"start":952.79,"end":953.19},{"sentences":[{"text":"and","start":953.0629,"end":953.38293,"sentiment":"neutral","sentiment_score":0.12911951541900635}],"sentiment":"neutral","sentiment_score":0.12911951541900635,"channel":0,"num_words":1,"start":953.0629,"end":953.38293},{"sentences":[{"text":"Bye.","start":953.19,"end":953.69,"sentiment":"neutral","sentiment_score":0.13291339576244354}],"sentiment":"neutral","sentiment_score":0.13291339576244354,"channel":1,"num_words":1,"start":953.19,"end":953.69},{"sentences":[{"text":"keep an eye out for those techs.","start":953.38293,"end":954.58295,"sentiment":"neutral","sentiment_score":0.16024151550871985},{"text":"We'll see you","start":954.58295,"end":954.9029,"sentiment":"neutral","sentiment_score":0.18059049546718597}],"sentiment":"neutral","sentiment_score":0.1663462094962597,"channel":0,"num_words":10,"start":953.38293,"end":954.9029},{"sentences":[{"text":"Will","start":954.87,"end":955.11,"sentiment":"neutral","sentiment_score":0.08668618649244308}],"sentiment":"neutral","sentiment_score":0.08668618649244308,"channel":1,"num_words":1,"start":954.87,"end":955.11},{"sentences":[{"text":"later.","start":954.9029,"end":955.4029,"sentiment":"neutral","sentiment_score":0.0920085459947586}],"sentiment":"neutral","sentiment_score":0.0920085459947586,"channel":0,"num_words":1,"start":954.9029,"end":955.4029},{"sentences":[{"text":"do, mate.","start":955.11,"end":955.75,"sentiment":"neutral","sentiment_score":0.1136663630604744},{"text":"Bye.","start":955.75,"end":956.25,"sentiment":"neutral","sentiment_score":0.07996821403503418}],"sentiment":"neutral","sentiment_score":0.102433646718661,"channel":1,"num_words":3,"start":955.11,"end":956.25},{"sentences":[{"text":"Bye.","start":956.1029,"end":956.6029,"sentiment":"neutral","sentiment_score":-0.10149344801902772}],"sentiment":"neutral","sentiment_score":-0.10149344801902772,"channel":0,"num_words":1,"start":956.1029,"end":956.6029}]},"summary":{"result":"success","short":"The representative from Okay. Oakview is updating the customer's portfolio for the current year and focusing on updating their investment strategy for the current year. They recommend bringing in conservative growth and maintaining risk profiles for the customer. The speaker provides guidance on the investment and risk profile, and suggests a portfolio analysis. They emphasize the importance of staying comfortable with the insurance and offer annual reviews. The customer is advised to sign a statement of advice and agreement, and a follow-up call is scheduled for the next day."},"intents":{"segments":[{"text":"Just calling up to go through that updated advice strategy. Do you still have some Yeah.","start_word":43,"end_word":58,"intents":[{"intent":"Requesting update","confidence_score":0.0006213852}]},{"text":"So the main thing we're doing is we weren't looking at changing super funds because NetWealth and Mercer haven't had any significant changes, but we Mhmm. were just updating the investments. So this is Yeah.","start_word":302,"end_word":336,"intents":[{"intent":"Update investments","confidence_score":0.3459918}]},{"text":"So I'll update that on the file. It doesn't impact things too much. Obviously, it means that you're getting slightly higher super contributions, and I'll just add that into our file and refresh to send that Mhmm. document through to you. Yeah.","start_word":642,"end_word":683,"intents":[{"intent":"Update file and add changes","confidence_score":4.145257e-7},{"intent":"Update super contributions","confidence_score":0.028280864}]},{"text":"How has Ashley and the little one been going? Yeah. They're going fine. Ashley's gonna start another day a week per week work soon, so that'll be good. Awesome.","start_word":693,"end_word":721,"intents":[{"intent":"Determine level of interest","confidence_score":0.0010442965}]},{"text":"They're going fine. Ashley's gonna start another day a week per week work soon, so that'll be good. Awesome.","start_word":703,"end_word":721,"intents":[{"intent":"Ensure success","confidence_score":0.00056858856}]},{"text":"you see on the bottom of that page nine, we've got your current super with Netwealth and Mercer listed. Mhmm.","start_word":806,"end_word":825,"intents":[{"intent":"Check current super","confidence_score":0.0001531246}]},{"text":"6 is the minimum. The Mhmm.","start_word":861,"end_word":866,"intents":[{"intent":"Determine minimum investment","confidence_score":0.0001617095}]},{"text":"premium's Yeah. under $400 a year.","start_word":867,"end_word":872,"intents":[{"intent":"Calculate premium for current super","confidence_score":0.000028185745}]},{"text":"growth is your risk profile. So, again, Yep. trying to maintain that 90% growth assets at this point. Yes.","start_word":914,"end_word":932,"intents":[{"intent":"Discuss future growth rates","confidence_score":0.00024841688}]},{"text":"So the one thing I'll quickly point out, Simon, is that we're not doing, like, a full retirement analysis at the moment because, obviously, that's twenty five years away. We can't be Yeah. too accurate with it, but we do the usual five to ten year projections for the time being. When Mhmm.","start_word":980,"end_word":1032,"intents":[{"intent":"Analyze retirement projections","confidence_score":0.087212875}]},{"text":"It'll For be a little sure. bit more volatile, but, again, Yep. you've got so much in there that you shouldn't risk the insurances. Yeah.","start_word":1313,"end_word":1337,"intents":[{"intent":"Identify risk factors","confidence_score":0.0020333622}]},{"text":"Personal preference on that one, we can pre fill in, like, an investment switch form for you to sign for Mercer, or you can just do it online on your app.","start_word":1340,"end_word":1370,"intents":[{"intent":"Fill form","confidence_score":0.12557545},{"intent":"Assign and send investment switch form","confidence_score":0.00023640164}]},{"text":"Now next table, there's a heap of figures on the next one on the next page for net wealth because you have so many options. Can you Yep.","start_word":1473,"end_word":1500,"intents":[{"intent":"Check net wealth figure","confidence_score":0.013147079}]},{"text":"So the updated portfolio, basically, you can see the second row, Bennelong goes to a flat zero. That's the biggest Mhmm. one we're getting rid of. Yep. In our updated portfolios, we're putting a slight extra amount into, like, gold, Mhmm. five to 7%. Just that's been a pretty good alternative. Yep.","start_word":1538,"end_word":1589,"intents":[{"intent":"Inquire about portfolio balance","confidence_score":0.0011670579}]},{"text":"So and we do tend to tilt our portfolios a little bit more international than Australian as well. Yep.","start_word":1884,"end_word":1902,"intents":[{"intent":"Share portfolio comparison","confidence_score":0.000046787354}]},{"text":"We're just kind of maintaining the balances between the two funds as they are. Keep your contributions going to Netwealth.","start_word":1915,"end_word":1934,"intents":[{"intent":"Maintain balances","confidence_score":0.5642778}]},{"text":"We're just kind of maintaining the balances between the two funds as they are. Keep your contributions going to Netwealth. We'll double Mhmm.","start_word":1915,"end_word":1937,"intents":[{"intent":"Factor funds","confidence_score":0.0003040665}]},{"text":"check your opt in to Mercer for the insurances, which you'd already done last year. Yep.","start_word":1938,"end_word":1953,"intents":[{"intent":"Check options","confidence_score":0.069145456},{"intent":"Update insurances","confidence_score":0.018583272}]},{"text":"for the investments that we're switching. Yep. K?","start_word":1985,"end_word":1992,"intents":[{"intent":"Compare investments","confidence_score":0.060380206}]},{"text":"new portfolio looking about 13 and a half. Nice. Cool. So when you're in high growth, nine to 10 is the benchmark. And, again, we're trying to sort of overshoot it and factor Yep. Mhmm.","start_word":2018,"end_word":2052,"intents":[{"intent":"Overshoot portfolio","confidence_score":0.0006580427}]},{"text":"So when you're in high growth, nine to 10 is the benchmark. And, again, we're trying to sort of overshoot it and factor Yep.","start_word":2028,"end_word":2051,"intents":[{"intent":"Check inflation rates","confidence_score":0.0021690645}]},{"text":"Outside of that five and ten year projections on the next page, we're looking for an impact of about 50 to 100 grands over the next five to ten years Yep.","start_word":2064,"end_word":2094,"intents":[{"intent":"Calculate impact","confidence_score":0.06890983}]},{"text":"Thank Any questions you. so far?","start_word":2434,"end_word":2439,"intents":[{"intent":"Offer consultation","confidence_score":0.000012310005}]},{"text":"Now one thing that may be a little bit tricky is when you go through the link on that email to sign the statement of advice, Yep. there is a a signature and date box for the authority to proceed. That's standard.","start_word":2559,"end_word":2600,"intents":[{"intent":"Inform about signature and date box","confidence_score":0.0005359444}]},{"text":"The only other thing is I've added a checkbox to say that you're comfortable to go ahead with either all of the recommendations or some of them and a little Mhmm.","start_word":2636,"end_word":2666,"intents":[{"intent":"Offer options for future decision","confidence_score":8.8208486e-7},{"intent":"Offer assistance with recommendations and recommendations","confidence_score":0.0041385945}]},{"text":"So once we get that back, we'll do the investment switches online. I'll send you that investment switch form, and I'll send you a little text just to give you a heads up once that's through to your Gmail account. Yeah.","start_word":2793,"end_word":2833,"intents":[{"intent":"Provide updates on investment switch form","confidence_score":0.00008682067}]},{"text":"silly I thing. wonder I wonder if there is that the checkbox issue. I'd say there is because if I check it yeah. If if I check, it says validate. Okay.","start_word":3031,"end_word":3061,"intents":[{"intent":"Request help with checkbox issue","confidence_score":0.003053295}]}]},"sentiments":{"segments":[{"text":"No. Hello. So I'm speaking. Yeah. Hey, It will Simon.","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.07671097666025162},{"text":"be fine. Happy New Year, sir.","start_word":10,"end_word":15,"sentiment":"positive","sentiment_score":0.5326093435287476},{"text":"It's Tommy from Okay. Oakview, mate. How are you doing?","start_word":16,"end_word":25,"sentiment":"neutral","sentiment_score":0.24061785638332367},{"text":"Good. Thanks. Tell me.","start_word":26,"end_word":29,"sentiment":"positive","sentiment_score":0.4751059114933014},{"text":"How are you?","start_word":30,"end_word":32,"sentiment":"neutral","sentiment_score":0.2595967650413513},{"text":"Doing fantastic. It's great to talk to you again.","start_word":33,"end_word":41,"sentiment":"positive","sentiment_score":0.8079201579093933},{"text":"Yeah. Just calling up to go through that updated advice strategy. Do you still have some Yeah. time now? I do. I just have to have a meeting. So we're all good Beautiful. to go. Mate, I've popped through the advice document to your Gmail account. Do you have access to that one today? I do. Just give us two seconds. That's okay. It may go through to your main Sorry. inbox It's or a bit spam noisy box. here. I'm just gonna go jump in my car where it's a bit quieter. Yeah. No Okay. worries. I haven't received it yet. Did you just send it then? Or there Yeah. we go. That's Got it, mate. Yep. perfect. Yep. All Now good. on that advice document, mate, there's gonna be some attachments, and there's a link for, like, digital sign. Just want you to jump into the statement of advice attachment, and just let me know if you can actually see, Service first of all, is that good. beachfront Thank you. city picture. And it should have a little city beachfront picture that looks like the Gold Coast on there. And Can do, mate. just Yep. Got it.","start_word":42,"end_word":240,"sentiment":"neutral","sentiment_score":0.05910596996545792},{"text":"awesome.","start_word":241,"end_word":241,"sentiment":"positive","sentiment_score":0.3517792522907257},{"text":"Can you make out all the text okay on that one? Yeah, mate. It's fine. Yep.","start_word":242,"end_word":257,"sentiment":"neutral","sentiment_score":0.13041284680366516},{"text":"Beautiful. Beautiful.","start_word":258,"end_word":259,"sentiment":"positive","sentiment_score":0.4437295496463776},{"text":"So I've gone through, and we've just updated some portfolios for your Netwealth and Mhmm. also for your Mercer super. Yep. If you can flick through down to sort of page three four, it should say scope of advice there. Yep. So the main thing we're doing is we weren't looking at changing super funds because NetWealth and Mercer haven't had any significant changes, but we Mhmm. were just updating the investments. So this is Yeah. kind of what we focus the advice on. With the insurances, because of, obviously, previous health concerns, we were gonna wait a few years before reattempting Yep. to try Mhmm. and get some. Yep. So we're just keeping that in place. I've factored in the premiums just to make sure the impact's there for you as well. Two. And the only other thing is estate planning wise, I don't think you had the will and power of attorney in Nah. place, Nah. but the beneficiaries were all set to your partner. Yep. Cool. The only thing that we're not sort of covering in this advice, which is put in scope of advice not considered, is Mhmm. obviously replacement insurances. And we're not giving you advice on debt management for properties and so on, Yeah. And personal Yeah. investments was something we were gonna come back to. We were Mhmm. talking about maybe doing a bit of mimicking your super outside, but maybe Yeah. in a few years' time once it's a priority for you. Yeah. Once the wife's off maternity leave, I think, was the was the plan. Yep. Exactly. And I do have a bit of a note just saying that your income's slightly changed, and I wanted Mhmm. to just double check it with you today because I had it as, like, a 115 base up to $1.20 potentially. Yep. Just It's wondering if just that's going gone to up $1.20 to five. it's gone up to $1.30, actually, as of today. $1.20.","start_word":260,"end_word":590,"sentiment":"neutral","sentiment_score":0.019155261233403963},{"text":"So so that's good. Congratulations, Doon. So Thank I'll you, update man.","start_word":591,"end_word":602,"sentiment":"positive","sentiment_score":0.4358902871608734},{"text":"that on file. That's Obviously, the meeting this I is just based got in. on Sounds good.","start_word":603,"end_word":619,"sentiment":"neutral","sentiment_score":0.16036425530910492},{"text":"oh, awesome.","start_word":620,"end_word":621,"sentiment":"positive","sentiment_score":0.4914245009422302},{"text":"Promotion Yeah. straight into an Yeah. advice chat. That's the Yeah, best man.","start_word":622,"end_word":634,"sentiment":"neutral","sentiment_score":0.16704640709436858},{"text":"day. It's pretty good, man. Yep. Cool.","start_word":635,"end_word":641,"sentiment":"positive","sentiment_score":0.5688321590423584},{"text":"So I'll update that on the file. It doesn't impact things too much. Obviously, it means that you're getting slightly higher super contributions, and I'll just add that into our file and refresh to send that Mhmm. document through to you. Yeah. No worries. As for that, any other significant changes? How has Ashley and the little one been going? Yeah.","start_word":642,"end_word":702,"sentiment":"neutral","sentiment_score":0.10537556558847427},{"text":"They're going fine. Ashley's gonna start another day a week per week work soon, so that'll be good. Awesome. Yep. Good night. Everything's fine. Awesome.","start_word":703,"end_word":727,"sentiment":"positive","sentiment_score":0.38773003220558167},{"text":"Everything on the up and up. Yep. With the details, we've got your mobile. Your email address is all there, so project manager. Mhmm. Mhmm. The details for your homes may be slightly out of whack. We had the home valued at 750,000, mortgage $3.90 Yep. 2. I'm Yeah. assuming it's a little bit off of that. Yeah. Slightly. Yep. But it's it's close enough, I think. I don't think it's very far off. Perfect. Now if Yep. you see on the bottom of that page nine, we've got your current super with Netwealth and Mercer listed. Mhmm. Now based on those balances, one thing I did consider was whether we had to roll back a couple of grand to Mercer just to top it up, but Yep. it's got 10 in there. 6 is the minimum. The Mhmm. premium's Yeah. under $400 a year. It should be able Mhmm. to maintain that for a number of years before you Awesome. have to touch it. Yep. K? So the main thing, if you flick through, you've got your insurances on the page after that. High Mhmm. growth is your risk profile. So, again, Yep. trying to maintain that 90% growth assets at this point. Yes. And then if you flick through to page 13, I'll summarize most of this text for you because it's, you know, oodles of text to read, but it's basically just talking about why we've made the recommendations that we have in what's called a best interest duty. So the one thing I'll quickly point out, Simon, is that we're not doing, like, a full retirement analysis at the moment because, obviously, that's twenty five years away. We can't be Yeah. too accurate with it, but we do the usual five to ten year projections for the time being. When Mhmm. you get Yep. closer to retirement, we can actually see how long it'll last. Yep. Cool. If you flick through, there's some pros and cons and risks and So alternatives. you've removed Benelon? Is that what it says in there? Because they underperformed. Yes. Yep. Yep. So Okay. there's a few options and and sectors that I'm updating on top of that, but the Yep. main one was Benelong was kind of a bit Okay. of an anchor on the portfolio. Yeah. Yep. That's fine. So if you go through to the table on page 16 with investment, it's got your MRSA there first, and then it's Yep. got your Netwealth after that. Yep. So you had a three way split, which was really fascinating to analyze on my end. You had it all on the passive side, which was low fees and fantastic, but you Yeah. had it split between, like, conservative growth and straight up Yeah. international shares. Yep. And part of my job is to make sure the overall allocation of your super is in line with your risk profile. Yep. So what I'm actually recommending is to bring it up in line with the high growth is Mhmm. to can be conservative in growth options and put Yep. them into their high growth option, but Yep.","start_word":728,"end_word":1252,"sentiment":"neutral","sentiment_score":0.007662479916498774},{"text":"maintain that passive international shares because that's just low fees and it's had fantastic performance. Nice.","start_word":1253,"end_word":1268,"sentiment":"positive","sentiment_score":0.4827426671981811},{"text":"If I give you a bit of an idea, conservative's done about four percent, growth eight and a half, the high growth's done just shy of 10, and the international shares 15. So I'd rather it Yep. be in Okay. those two options. Yeah. It'll For be a little sure. bit more volatile, but, again, Yep. you've got so much in there that you shouldn't risk the insurances. Yeah. No worries. Personal preference on that one, we can pre fill in, like, an investment switch form for you to sign for Mercer, or you can just do it online on your app. I just wanted to gauge what you would find easier.","start_word":1269,"end_word":1380,"sentiment":"neutral","sentiment_score":0.12889298796653748},{"text":"If you could fill it in, that'd be great.","start_word":1381,"end_word":1389,"sentiment":"positive","sentiment_score":0.3601923882961273},{"text":"I know everyone says they're time poor, but I'm generally time poor. So yeah. If if you you fill it in and send it through, is that possible? And I can Yeah. assign Absolutely. it. I haven't Yeah. added in this pack because I wanted to ask you first. And then what we'll do is we'll prefill in all the investments to switch from and to and send that through in a DocuSign Yep. Yep. as well.","start_word":1390,"end_word":1466,"sentiment":"neutral","sentiment_score":0.022994350641965863},{"text":"Nice. Thank you very Cool? much.","start_word":1467,"end_word":1472,"sentiment":"positive","sentiment_score":0.5818286538124084},{"text":"Now next table, there's a heap of figures on the next one on the next page for net wealth because you have so many options. Can you Yep. see that right hand column that's all green and red? Which page? Page 19? It'll be page 17. 17. 17 slash Yes. I 18 can. on the Yep. dot Yep. sign. Yep. Yep. Got it. Yeah. Cool. So the updated portfolio, basically, you can see the second row, Bennelong goes to a flat zero. That's the biggest Mhmm. one we're getting rid of. Yep. In our updated portfolios, we're putting a slight extra amount into, like, gold, Mhmm. five to 7%. Just that's been a pretty good alternative. Yep. A few sectors were changing around, so instead of hitting, like, Europe and Japan, we're more leaning towards, like, health care in India and a few sectors like that, Yep. maintaining 25% in the S and P instead of 30, but Mhmm. bunch of that sort of bumped off into JPMorgan's index equity global. The main one at the second last row that you can see can you see the one Yeah. that says outstanding Australian share? Yes. That's your Benelon replacement. It Okay. is actively managed similar to Benelon, but it's Mhmm. got some slightly lower fees, and it's actually kind of smashed the performance over one, three, five, and ten years. It's Yeah. kind of top three pack, whereas Bennelong's kind of split off into a very strange direction. Okay. Hasn't been performing in line with the other options or the Aussie Yep. market. So that's the main replacement. Yep. K? Everything with yours, it's a pretty standard core and satellite. A lot of these options are like low fee ETFs. So there's a little bit of brokerage to switch around and some capital gains tax that we factor in when Yep. we decide how many options to move, and that's all included on your projections. If you wanna just go down to the next one, you got your nice lovely colored pie chart there for your asset Yep. allocation.","start_word":1473,"end_word":1821,"sentiment":"neutral","sentiment_score":0.07343980836492554},{"text":"I love a good pot chat.","start_word":1822,"end_word":1827,"sentiment":"positive","sentiment_score":0.6628003120422363},{"text":"Me too. Middle row Yep. in growth total, all I wanted to point out there is that we're still trying to maintain that 90% growth assets across the board. And, again, it's pretty heavily in the international space. That's just because, obviously, Mercer's fifty fifty between the international shares and a high growth option. Yep. Mhmm. So and we do tend to tilt our portfolios a little bit more international than Australian as well. Yep. Okay? Projections on the next page, you can see the balances. We're just kind of maintaining the balances between the two funds as they are. Keep your contributions going to Netwealth. We'll double Mhmm. Yep. check your opt in to Mercer for the insurances, which you'd already done last year. Yep. $8.63 was factored in for, like, capital gains tax for the growth of the super options that we're switching, Mhmm. but the investment fees are about $350 cheaper per year Okay. for the investments that we're switching. Yep. K? Down the bottom, five year rolling average of what you currently have, which is everything spliced together, Yep. is about 10% per annum. The Mhmm. new portfolio looking about 13 and a half.","start_word":1828,"end_word":2025,"sentiment":"neutral","sentiment_score":0.11113862678258106},{"text":"Nice. Cool.","start_word":2026,"end_word":2027,"sentiment":"positive","sentiment_score":0.4426595866680145},{"text":"So when you're in high growth, nine to 10 is the benchmark. And, again, we're trying to sort of overshoot it and factor Yep. Mhmm. in fees, premiums, taxes, and so on.","start_word":2028,"end_word":2059,"sentiment":"neutral","sentiment_score":0.06129664555191994},{"text":"Nice. Thank you.","start_word":2060,"end_word":2062,"sentiment":"positive","sentiment_score":0.528752863407135},{"text":"Cool. Outside of that five and ten year projections on the next page, we're looking for an impact of about 50 to 100 grands over the next five to ten years Yep. in the green, of course, just by switching the investments.","start_word":2063,"end_word":2104,"sentiment":"neutral","sentiment_score":0.05534287914633751},{"text":"That'll Awesome.","start_word":2105,"end_word":2106,"sentiment":"positive","sentiment_score":0.36958903074264526},{"text":"bump up a tiny bit because of your contributions based Mhmm. on an income of $1.30. Again, we Yep. base it on $1.20. Yep. Cool. We just got some performance figures listed there, and then we've just got your insurances listed after that to keep the life and TPD cover, Yep. which is a 125,000 of each. Bear in mind, obviously, we haven't fully calculated whether you should increase or decrease that just because we're gonna revisit your insurances when you can have Yes. some options to switch around. But Yep. at the time, you were like, well, just keep that in place. It's cheap, Yeah. and you value Yeah. having it. Yep. K? So at this point, you won't have income protection or trauma. It's just the life and the TPD.","start_word":2107,"end_word":2238,"sentiment":"neutral","sentiment_score":0.045179123002471344},{"text":"Okay. Cool. Premium impact table at the bottom of page 21 just shows you what difference that $3.38 actually makes in your super, which isn't too much. That's pretty low premiums.","start_word":2239,"end_word":2269,"sentiment":"positive","sentiment_score":0.41450077295303345},{"text":"A lot of people Yes. at your age will be paying 1,500 to $3, so Okay. the impact's pretty minimal Yep. by having that insurance. The other thing too I just wanna quickly point out is Mercer only charges percentage based admin fees for having the account open. So it doesn't penalize you for having that second super fund open, Mhmm. whereas Okay. some other super funds will charge you, like, a flat dollar amount, which Yeah. puts you a bit more in the red. Yeah. No. So less of an issue there. Beyond that, mate, most of the rest of that document just talks about putting in place a will and a power of attorney on Yep. page 24 to 27. I probably won't tell you why you should put a will in place again, but just that usual reminder that you can go to the public trustee or a lawyer or Yep. Yep. even a will kit at the post office. Beauty? Thank Any questions you. so far? There's no questions. No.","start_word":2270,"end_word":2443,"sentiment":"neutral","sentiment_score":0.06943701952695847},{"text":"It'll it's it all looks pretty good. Awesome.","start_word":2444,"end_word":2451,"sentiment":"positive","sentiment_score":0.5070907473564148},{"text":"Mate, everything else after that is we've got the adviser service fees listed. There's no commissions on the Mercer policy, and then we've got an authority to proceed. So Yep. when you go through to click through that, I've attached our updated financial services guide with our updated licensing details. We've got an appendix there with some background research just showing you the alternatives that we did consider Mhmm. just Mhmm. so you've got that there on file and a Yep. few links to the options that we've recommended if you're ever curious.","start_word":2452,"end_word":2544,"sentiment":"neutral","sentiment_score":0.16727527976036072},{"text":"Cool.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.3373013138771057},{"text":"Any questions for me at this point? Cool. No questions.","start_word":2546,"end_word":2555,"sentiment":"neutral","sentiment_score":0.1361474096775055},{"text":"Awesome, Simon.","start_word":2556,"end_word":2557,"sentiment":"positive","sentiment_score":0.4578792452812195},{"text":"Now one thing that may be a little bit tricky is when you go through the link on that email to sign the statement of advice, Yep. there is a a signature and date box for the authority to proceed. That's standard. Yep. That's easy. If you can draw the signature on there instead of type it, that's more acceptable for the Yeah. providers. I'll jump on my laptop if it'd be easier that way. That's fine.","start_word":2558,"end_word":2634,"sentiment":"neutral","sentiment_score":0.08299843966960907},{"text":"Cool.","start_word":2635,"end_word":2635,"sentiment":"positive","sentiment_score":0.49945586919784546},{"text":"The only other thing is I've added a checkbox to say that you're comfortable to go ahead with either all of the recommendations or some of them and a little Mhmm. bit of a text box. So if you can just check the one at the top to go ahead with Yep. all of them and Yep. see if you can ignore the second check box and the text box, there's nothing to write in. If it forces you to type in it, just put in NA. No worries.","start_word":2636,"end_word":2724,"sentiment":"neutral","sentiment_score":0.08408121764659882},{"text":"Easy done.","start_word":2725,"end_word":2726,"sentiment":"positive","sentiment_score":0.3845183551311493},{"text":"Mate, that's pretty much it for the time being. Any other major changes or anything you need at the moment?","start_word":2727,"end_word":2746,"sentiment":"neutral","sentiment_score":0.19914115965366364},{"text":"There's nothing changing, which is great. Everything's just ticking along nicely. So yeah. It's nice to have a consistent I'm quite year where things just gradually improve and nothing's blowing up in the background.","start_word":2747,"end_word":2780,"sentiment":"positive","sentiment_score":0.49522119760513306},{"text":"yeah. No.","start_word":2781,"end_word":2782,"sentiment":"neutral","sentiment_score":0.2845619320869446},{"text":"It's it's it's really, really good, actually. Yeah. Awesome, Adam.","start_word":2783,"end_word":2792,"sentiment":"positive","sentiment_score":0.44269460439682007},{"text":"So once we get that back, we'll do the investment switches online. I'll send you that investment switch form, and I'll send you a little text just to give you a heads up once that's through to your Gmail account. Yeah.","start_word":2793,"end_word":2833,"sentiment":"neutral","sentiment_score":0.213285893201828},{"text":"Perfect.","start_word":2834,"end_word":2834,"sentiment":"positive","sentiment_score":0.4380289316177368},{"text":"Alright. From there, I'll update your file, make sure we've got the one thirty listed, and we'll kind of schedule the usual annual review catch ups and so on. Yeah. So I'm doing this DocuSign at the moment. That's correct. You want me to sign If that? you if you can, Yep.","start_word":2835,"end_word":2886,"sentiment":"neutral","sentiment_score":0.1562475562095642},{"text":"that'd be great.","start_word":2887,"end_word":2889,"sentiment":"positive","sentiment_score":0.47227996587753296},{"text":"It's not allowing me. It's just already got my signature prepopulated in there.","start_word":2890,"end_word":2902,"sentiment":"negative","sentiment_score":-0.4670034348964691},{"text":"See? Oh, it's popped it already. Yeah. It's just prepopulated my signature. So I don't know. Oh, As in just my name written down. I've gotcha. And has it got a is it allowing you to sort of skip through past those checkboxes? Or Yes. I've ticked I hereby authorize. I've skipped the I've chosen the vary, the yep. recommendation. Nothing in the text box below that, and it's got my name, things out, date, Perfect. and it won't I let might me skip have through. a little look see. Is It it was gonna is write it like NA. a next button that pulls you to the oh, it doesn't let you skip the text No. I wrote NA, but it's still not letting me. Silly, box. silly I thing. wonder I wonder if there is that the checkbox issue. I'd say there is because if I check it yeah. If if I check, it says validate. Okay. Can you check both and just make sure you've got NA in that textbox? That should I have. still be Yeah. fine. Yep. Oh, Alright. legend. Damn Done. you, Simon?","start_word":2903,"end_word":3091,"sentiment":"neutral","sentiment_score":-0.06570617854595184},{"text":"Awesome.","start_word":3092,"end_word":3092,"sentiment":"positive","sentiment_score":0.5788034200668335},{"text":"Mate, that's the easiest fifteen minutes ever, but if you do have any questions, please let us know. It's eighty to fifteen minutes, but it needs to be done. Sorry. Yeah. And, hopefully, Yep. things are rolling pretty well because, again, market's been a bit choppy at the moment, so it's a pretty good time to do a few switches. And Yeah. then when we catch up next, I'll I'll run you through a bit of detail. Can't be scared about the market being choppy, Dane. Just gotta just gotta wait. Next year will be better for Yeah. sure. But it's a it's an opportunity, buying opportunity. Yes. That's it.","start_word":3093,"end_word":3202,"sentiment":"neutral","sentiment_score":0.08917402476072311},{"text":"Awesome. Thank Awesome, you mate. very much.","start_word":3203,"end_word":3209,"sentiment":"positive","sentiment_score":0.8041830062866211},{"text":"Any questions for me before I let you go, sir? Nah.","start_word":3210,"end_word":3220,"sentiment":"neutral","sentiment_score":0.19554173946380615},{"text":"That's done, mate. Thank you. You're a legend. Have a fantastic Alright.","start_word":3221,"end_word":3232,"sentiment":"positive","sentiment_score":0.5613676309585571},{"text":"week, See you. and Bye. keep an eye out for those techs. We'll see you Will later. do, mate. Bye. Bye.","start_word":3233,"end_word":3253,"sentiment":"neutral","sentiment_score":0.1597808599472046}],"average":{"sentiment":"neutral","sentiment_score":0.0909796877131346}}}}