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Is now still a good time for you? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yes. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Date of birth, please. Yep. Perfect. And how's your morning been? Been busy? Yeah. Well, I will try not to keep you for too long. But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at. Yeah. Mhmm. Mhmm. Yep. Yep. Mhmm. And have you started looking at that process? Mhmm. Yes. Yes. Mhmm. Yep. Yep. Perfect. And with the self managed super fund, is that something you are planning on manage everything yourself, or have you contacted someone to put together, like, strategy and stuff to see if that is going to be the best option for you, or kind of where are things at with that? Mhmm. Mhmm. Mhmm. Mhmm. Okay. Perfect. Now with self managed super funds as well, are you quite familiar with, like, how it works and what's required in your end and the legislation? Yep. Yes. Okay. Amazing. Great. Perfect. And, obviously, the costs and everything in regards to it? Yep. Yep. Mhmm. Okay. No problem at all. If it is something so, obviously, with self managed super fund, it seems like you're pretty across it, which is good because most of the time, people key our property is fantastic, but they don't actually, obviously, know all the like, obviously, there's a lot more running costs associated with the self managed super fund because, obviously, you have to launch your own tax return and everything like that. And, obviously, there's more compliance on you being, obviously, the the owner of it. So it seems like you're pretty across of that, which is great. Are you planning on borrowing for the property as well as utilizing your superannuation, or are you planning like, is it yep. Yep. Yep. Yep. Perfect. And are you planning on doing, like, an investment portfolio or anything within your superannuation fund for diversification or mainly just the property? Just the property. Okay. No worries. Obviously, let us know how you are going with all of that because with the self funded super fund, because, obviously, you would be managing it typically with a self funded super fund if we were to come into play, because we do have quite a few clients with self funded super funds, that way that we would then do things would be if there is a investment portfolio associated with it, because, obviously, you would be the the manager of the self managed super fund, and then you would obviously have your account and tie with it for all the administration of the running of it and the paperwork side of it. And, obviously, the property will be separate. And then we would come in if you do want investments managed as part of your self managed super fund. But if you are prime primarily thinking of it just from a property point of view, then that would probably mean that we wouldn't obviously continue managing, obviously, your super or investments because that would all be moved to a self managed super fund and, obviously, your investments. Okay. And have you thought anything about what you wanna do with your insurances in that instance? Yes. Yes. Yep. You've just changed it. Yep. Okay. And when you say with the industry fund, which industry fund are you thinking of? Oh, okay. Yep. So network is more of like your your retail super fund, so a little bit different to an industry fund. Obviously, from a superannuation point of view, it works similar. So with the the Netwealth, if you do keep about 10,000 in there for the insurances, will you be managing your investments or everything in that net worth account given, obviously, you'll only leave about 10,000? Okay. Because, obviously yeah. So, obviously, with with Netwealth, because it's more of, like, your sophisticated platform where you do a lot of different investments, which, obviously, in NetWells as a Superfund, if you only leave about 10,000, you obviously also have to factor in the fees with it. Okay. Okay. Okay. Okay. Because okay. Yep. Because I was going to say, obviously, with Netwealth, if we remove ourselves as servicing advisers from your Netwealth account, So that obviously means that we won't be managing everything for you. If you do decide to leave a portion of your funds in Netwealth, then obviously, you would be responsible for managing those investments. Yes. Yep. Yep. And I do apologize, obviously, that that's been your experience up until this point. That's not obviously what we like and what we want. And you know? Yeah. Mhmm. Yep. Yeah. And like I said, I do apologize that that has been your experience. Obviously, that with you before, but I do. Obviously, that's not what we want. So, obviously, yeah, apologize that that has been your experience, but it seems like you're pretty across what you wanted anyway. And there's no, obviously, you know, lock in or anything like that with us. At the end of the day, we are here to tryna help you achieve your super retirement and help educate you along the way. But if you feel like that's not the right option for you with everything and you want to go down the property, then that choice is completely up to you. Like, there's no lock in contract or anything like that. So so that totally makes sense. So, basically, after the call today then is that, obviously, I understand, so part of the under review would be, obviously, go through everything for you, which we will do. And then it would be, okay, well, if you wanted to stay on the ongoing service agreement, doing advice, and look at different options. But I understand if that's obviously not the plan that you are wanting to move forward with. So we still obviously go through the under review. But following the under review today, I will then get the case management team and let them know that you are in the process of wanting to move to a self managed super fund, and then they will assist you with the transitioning out of, like, what to do with your insurances, whether you want to. Because obviously, with the self managed super fund, you have to maintain some level of insurance plan in place. So whether that would be they can then send you the forms, whether that is you if you decide to keep 10,000 in that wealth, then, obviously, that stays being paid then. Obviously, you have to then be mindful of the the insurance premium. Or if you do decide to open up another industry fund just low cost for the purpose of keeping those insurances, then we can send you the forms of how to change where it's getting paid from. Because the good thing with your tal insurances is that that's not at all tied to Netwealth. It's being paid from Netwealth, but it's a completely separate company. So you can transfer that. Let me just check actually how it's set up for you. Because sometimes the insurances are attached to the platform, which means that if you do go to change it, it can cause some issues, but I will get the team let me see if I can check it actually because it's in your the documents today. Because if it's a platform, then we can get in touch with Tal. Yeah. Okay. So, basically, with your Tal insurances, it is owned and paid, obviously, from Netwealth at the moment. It it is set up as a platform policy. So if you do decide to change where it's getting paid from, sometimes that's possible depending on which product with Tile because they update their product all the time. So it depends on which, like, series you're in. Now this can sound a little bit can sound a little bit messy, but we would obviously help you with it. But, basically, we could then check with Tal if it's possible to change it to an enduring rollover, which is just then meaning that you can transfer it to another super fund or whether that's not possible. But I can let the team the TACE management team know that this is your plan, and they and they can assist you with the forms and what's required and what that would mean for those insurances for you as well after the call. Does that make sense? It's a little bit messy. Now okay. Perfect. So what I will do, though so, normally, what I would do is run through as part of the annual review is run through, like, a risk profile questionnaire to see if we need to make any alterations or changes for your investments. But if you're obviously in the process of of going to self managed super fund, then I won't waste your time doing all of that because that would mean that we're obviously not gonna yeah. Yeah. Yeah. So with the risk profile yeah. No. So with the risk profile, it refers back to your risk in your superannuation fund. So at the moment, obviously, there's different level of risks that you are willing to take for your superannuation, how you feel about market fluctuations. Obviously, when you came on board and when you last had your statement of advice with your strategy, it would have kind of gone through a range of multiple toy questions to determine your level of like, how comfortable you are with different market fluctuations, and then a risk profile and an investment portfolio in that wealth was recommended based on that. So, typically, during the under review, it's so at the moment, you're in a growth profile, which basically means that, typically speaking, you're looking at getting a growth out of your superannuation. We have about 80% invested in different growth assets, which which we can go through today, about 20 in defensive. So that's kind of how, obviously, your superannuation investments are managed and structured because you don't have everything in just one option. There's a range of different options in your network account that we've obviously tailored for you for the investment when you came on board. So that's kind of where that comes. But like I said, I won't waste your time doing that. Obviously, if you are, you know, moving, then that that's no point because, otherwise, it would be going through the research, doing new advice, and everything like that. And if that's not something you're interested in, then, yeah, I won't waste your time doing all of that. So, basically, what I will do, though, is I will still send you I have to send you an email with some documents so that you have them, and that is just your annual review documents just to kind of give you a bit of a rundown of what they are. Now, Dean, do you have access to your emails at the moment? No. That's okay. It yeah. So, basically, when you get the email, we have changed software, so might look a little bit different. Now you will have an email from myself. It will say sign now. It doesn't mean you have to sign the documents, though, but you will have to just click on the document to open up all the different attachments. It's only at the end. It will ask you to sign, which, obviously, I understand you don't wanna do given the that will be the ongoing service to say that you wanna stay on. It still gives you access to all the documents, though, so that you can view it. Part of the document, and you can download them yourself as well from that email. So you can download a copy. Now part of the document, you will have your child certificate of currency, and that is just breaking down your child insurances so that you can obviously have a think about if the level of insurance is still appropriate for you, if you are happy with what you have, and the premium. But I'll just quickly run through it with you anyway so that you know what you have, but it's in that email. It's not overly not overly, but what comes to play is because it's a tailored cover for you. So it's not like you're standard. Let let's say if you were to go through Australian with Australian Retirement Trust and you just open up an account and you get, like, default insurances, that tends to be cheaper, but it is not tailored to you. So the difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim. So it's a little bit gray. So they could go, well, you had a preexisting condition or the contract might change, so they may or may not pay out depending on what it is. So it's not as much certainty, which is why it's, like, your default cover. Right? Because it's not like they don't you don't go through, like, a medical questionnaire. They don't know what you do for work or lifestyle or anything. It's just it's just, like, the standard default. Still something, though, but it's not as tailored. Whereas with Tal, I don't know if you remember, but you would have gone through a bit of an application quite extensive. Yeah. So how that is different is that at the time when your policy was put in force, Tal agreed to a contract with you. Anything that would have happened after that period of time, like your you changed your occupation to super risky occupation or you had any medical or injuries or anything, you are then covered. So it gives you that certainty because of it. There's usually a lot more inclusions with that type of policy as well as a a little bit more benefits. But then sometimes because of it, it can cost more than your default. So you kind of yeah. So it's kind of the value with the cost, but and they also factor in age. So it does get more expensive the older you get. So probably when you took out the policy, it would have been quite a bit cheaper than what it is now because every single year, it does get more expensive. So right. Right. Because from the insurer, they would be like, well, the older you get, the higher probability of you needing to claim on it. So the younger you are, the cheaper it is, and then, obviously, it goes that way. But then at the same time, often, what happens is that when you are younger, you might have more financial responsibilities than you might need more cover. And then the older you get, maybe your mortgage decreases or, you know, you don't have as much financial responsibilities of looking after, like, financial dependence as much or for as long, then you tend to need less and less cover the closer you get. So even though they get more expensive, sometimes it's a matter of they get more expensive, but let's reduce your cover gradually to kind of offset it because you might not need as much. So So it obviously depends on your goals and stuff. Does that make sense, Dean? Yep. Yep. But, basically, obviously, it's completely up to you. So you have life and TPD at the moment that would pay out 311,716. So that would be if you were to pass away, but then also if you were to become totally and permanently disabled and can never go back to work again. Now you also have an income protection policy. So income protection will pay you a monthly income replacement if you are temporarily unable to work. Now at the moment, that would pay $3,849 per month. Now you have a four week waiting period, which means that you would have to wait the thirty days before you can start claiming on the policy. Yep. And the benefit period, so that is how long you could be on claim for, would be five five years. So that's what you currently have. Yeah. So all those three, because it's structured, that that way, all those three, you do pay about 2,115 from that. But that's all in the documents so you can have a have a look through it after and decide what you would like to do with those. Yes. Yep. Now with your Netwealth account as well, so part of the document, you would have will see when you have a moment later that it does show you your your current super balance. Now do you have access to Netwealth a lot? Like, do you go in every now and then, like, you have access to your account? Okay. Perfect. Yep. So with your Netwealth, you do have, as of yesterday when we prepared the documents, that was $223,320 in there. Now from that, which will be your second attachment, is showing you a twelve month snapshot. That shows you all your individual investments. So when you have a look at it, you will see that you have one, two, three, four, five, six, seven, eight different types of investments that's obviously been tailored and structured for you to give you that diversification. So you have eight different investments at the moment. Now the one thing I do wanna mention as well, so when you just with time frame, obviously, because I know with the self managed super fund, you just let us know when you want us to sell. So, basically, obviously, moving to self managed super fund. Are you going which account are you moving through for the administration side of the self managed super fund? Do you know, like, which platform account? Mhmm. Do you know which platform that's going to be with or not yet? So, obviously, it's for the usually, you would have, like, a cash account or something like that, whether that would be with Macquarie. It's one of the big ones, or there's a couple of others that run sorry. Because with the self funded super fund aid, you won't be able to have it just on, like, a bank account. You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds. So it wouldn't be a matter of, let's say, you open up a a bank account with Nav, and that's where you can structure everything from. Pass rate. Perfect. Right. Perfect. Okay. Great. So let's say for theory that it is a account with Macquarie, for example. If you then want to move, obviously, all your super, so that 223,000 into the Macquarie account to then obviously have funds and everything available for the property and administration and setting up and everything like that, That process can take a little bit of time because what will happen first is because your money is currently invested in the market, we would have to place a a sell. So you would just let us know when you wanna place a sell on all your investments. Now with the sell, there's obviously transaction fees, and there will be capital gains tax associated with obviously selling investment same as you would with an investment property just so that you obviously are aware. We would place a sell. Correct. Not on cash, but all your investments. Yeah. We would you can you can do straight with Netwealth. Usually, it's just part of the service that we would help manage all of that for you. But if you prefer to go directly to Netwealth and say, hey. I wanna place a seller on my account, and I wanna move over to all of this. That is perfectly fine. It's up to you. Often, we would just assist with it for you. Yes. But it's up to you. But if you prefer to go to Netwealth, we would still get notified that you have done it. Yeah. No. We wouldn't we wouldn't charge a fee for it. No. So because yeah. So because, obviously, it would we would just help transition you out. So at the moment, because, obviously, we we didn't do we could I don't think we could get in touch with you. It was a combination, obviously, where everything went on in Queensland with the storm and everything. We were running a little bit behind with the under review. So then I think we tried to or you spoke to one of my colleagues last year. But, basically, at the moment, your ongoing service fee, so, obviously, the fee that you would typically pay for our services is off. So at the moment, you are not paying for the fee. So Yes. Correct. Yes. Yeah. Yep. So we wouldn't charge like, if you if you sorry. I'll refer you back to the case management team after the call today and, obviously, let them know your your process, and they will assist you with the transition. They will we would we won't charge you to be like, well, we are placing a trade with NatWest, so we are charging x amount of money. That's not what we do. So we won't charge you. But, obviously, within NatWest, it's the same fee whether you would go through us or Nat Wealth. The choice is completely you because, obviously, it's place a trade on your investment, like, place a sell order because your money is not just sitting in cash at the moment. It is invested in the market. So that would just be, like, your standard transaction fees, but that would, like, be net wealth fees. Right? So it doesn't matter who you contact. And because your money is invested, what the earnings are so whatever you have made from the investment, there can be some capital gains tax that would come out of your super when you sell the investments. That would all be through network, though. It's not something you have to declare or anything like that. But just, obviously, that will be part of a sell down process, which I'm sure your accountant would have touched on with you as well. Yep. Yep. Perfect. So, yeah, with the sell down, because one of your investments is a managed fund, they can take up to about ten business days, sometimes a little bit longer, for everything to be sell down to cash. So you just let us know or network whatever you prefer when you want that sell down trade to happen just so that allows you enough time for then the funds to be sold down and transferred. Yep. Makes sense? Yes. Okay. Perfect. Now with your superannuation as well let me see if I can see that here. With your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that. So the last twelve months haven't been great with everything that's going on. The last three months have been a lot better, though. Sorry. There's obviously been a bit of fluctuations in the market. So when we are looking at a twelve month period, which is the report I have sent to you, now this is the performance report. It's just from your investments. It's not talking about how much you have contributed, but, obviously, it's a return on your investment. So by contributing, you have more money to be invested, so the returns generate from that. Yep. So with the investments over the last twelve months now let me just get this up here. With obviously all the fluctuations in the market, it is down by about 0.74%. Yep. Now that is just return on your investments. Now in the last three months, it has come back up a bit, which is great, which is natural part of the market, obviously, with everything, especially the war and everything that's going on. So in the last three months, the good thing is it has started to come back up, which is good. Now let me just open this one here for you. So in when we're looking at the last three months, so just looking from the April 7 to, obviously, the July 6, the return on the investments is up by 5.77. So it started to come back around, yeah, which which is good. Now from that so if we are looking at let me see here, the three months, for example, you can then see the return. So the return isn't your contributions. It is the return on your investment. That represents about 12,514 in the last three months. Was that Yeah. When we looked at a twelve month period, it was down about 1,316 after fees. Yep. Exactly. So it's come back up, which is which is good as well that if you even, let's say, decided to move three months ago, then you would have obviously missed the little kind of starting to come back around. Yeah. So the last three months have have started to come back around. Now let me see if I can see here. So that's just a return on your investments, which is obviously separate to your contributions. Now let me see if I can see in your account here how much contributions. Because this report that we normally send, we don't factor in contributions. We usually just tell you the return on the investments. But what I can, yeah, just to kind of give you what's the investment's done, not saying, well, you've made $20,000 and 18 of that from your contributions. No. We would just tell you what your investments have made irrespective of the contributions to make that kind of more fair comparison to you, which is kind of what you were talking about. Yeah. But what I can do after the call as well when I send you, to case management, that I can even just get a report for you from hub twenty sorry, from Netwealth that shows you how much you actually put in yourself as well so that you can see if that will be good. Yeah. Yep. Yep. So because you can even on those reports let me see if I can go back up here. So on the reports, you can even see them. Sorry. When I'm looking at the twelve month again, let's say, your starting value, so the 07/07/2025, shows that your super balance was as 218,345. Now this is all in the documents in your email as well, so you don't have to remember it. So starting balance was at 218,345. On the July 6, it was 223,152. Now return on your investment was negative 1,316. But, obviously, from $2,218,000 to 223,000, it's gone up. That is because your contributions. So that is, like, separate. Now looking then at your three months, the starting value on the April 7 was 210,861. At the end, it was 223,152. Out of that, 12,000 was from your investments. The rest was from your contributions. So in that document, you can actually see see the change. So, obviously, take away the return on the investments from that balance, and that gives you how much you've put into super as well. Yeah. Correct. Yes. And your account as well, because sometimes it can be it seems like you're pretty across things, which is great. But sometimes when you first look at it, it can look a little bit messy, but it just gives you all the information. So it's called the asset performance detail that shows you all your investments, open value, close value, the income derived from the investment, the return on the investments as well. Yeah. Yes. Sorry. It's all there. If you do have any questions or you need any other reports, just call the office as well, then we're more than happy to obviously give that to you if if you do need anything else. Yeah. Yes. Now, otherwise, part of the document, like I said, it is the ongoing service agreement, which would obviously be if you wanted to stay on. But understand that you're moving to a self managed super fund. There's also a tax fund number opt in form, and that would be, again, if you wanna stay on, it's just a compliance form to say that we're keeping a tax fund number secure and safe on file. Again, obviously, understand if you're moving through a self managed super fund. The last two documents is one is just a Vanguard index chart. You probably have seen this before. It's just a visual representation of the market, which often I find is quite helpful when we are talking about market fluctuations and risk profiles. But, again, that's just there for for your reference. And then the last document, it is just an OQ services guide. You would have seen this one a couple of times, but it's just basically everything you need to know about Oakview. Obviously, you're moving through a self managed super fund might not be that applicable anymore, but it's all there for you. All the team directors, all advisers is in there for you as well. So if you obviously wanna have a read over it, that is all in that document for you. Yeah. So that yeah. So they would have obviously done your research and everything to start with and then introduced you to us, and then we would have obviously done the advice and everything like that. So they're kind of like your marketing firm as well to to kind of do all that initial research. And then you probably transferred over and spoken through I think you've spoken a little bit to the director, Sevvy, and to some of the advices here. And then we've obviously been managing things for you moving. Yeah. Well, do you have any questions for me, Dean? No? Yes. Yes. Yes. What would it look yeah. So correct, so if it was that you if it was that you decide that you don't wanna go to the self managed super fund, I would suggest you calling me as well or calling the office because what I would like to do then for you is go through, especially your investments and go through a new because like you said, it has been a little while since you've had your last advice piece. And because of that, I would want to make sure that everything is working the right way for you. So what I would do, if it is that you decide you don't want to do that, I would say just please let me know Because what I would do or what I would want to do is to go through a more in-depth research process, put together a new proposal for you, and see if we needed to make any changes to your investments to align with everything for you, go through a bit more of a of a fact find with you to make sure, again, that everything is aligned as for your goals and wishes, especially if you feel like that hasn't been set out clearly, then that would be something that I would want to do. I would want to run through, well, what are your goals? What's your objectives? What do you actually want to achieve? And does the advice reflect that, or do I need to make any changes with advice to get you there? So that's what I would want to do. If you decide that you don't wanna do the self managed Safer Fund and you want to explore this, just let me know because then part of the ongoing so you you could sign the documents if you are happy because that then tells me that you would like to explore things further. Now with our ongoing service agreement, which is that document it will ask you to sign if you decide that you would like to explore things further, it is your ongoing service agreement. Now with the ongoing service agreement, the fee structure hasn't changed. If you decide that you would like to stay on board, even if it's just for a while, the fee would stay the same at 1.65 from your super. Correct. On the super. And that would be to obviously manage everything. Now with the ongoing service agreement, in order for us to charge a fee, you have to sign this every twelve months. It doesn't mean that you are locked in to a twelve month period because with the fee yeah. So with the fee structure, we normally show you a yearly, so how much it will be over a twelve month period. But what actually happens is that it is deducted every month for you. So it's split up and deducted on a monthly basis. It also makes them more fair to you, especially with market fluctuations. Because if we were to take out, let's say, one lump sum and the market is at a peak at that time, because this is a percentage of your super balance, we would obviously take out a larger amount. Same time, though, if the market's down. So what we do instead is we just take it out on a monthly basis, but it also gives you the flexibility. So you don't have to commit to a twelve month period if you go, do you know what? I'm happy to give it a couple of months, so I wanna see how things go. You could just do that, and then you could let us know at any point in time if, let's say, in theory, you go, okay. Well, I wanna see what this is all about, See if there's any changes a bit more consistency with communication and support that you haven't had. Whether that is you go, okay. Let's see what happens after three months. For example, after three months, even though the fee would be on, if you go, no. I want to leave now, then there's, like, no exit fees. There's no cancellation. We would just stop that payment. We would just remove ourselves, then we wouldn't charge you anymore. So it's not like you have to lock in to a twelve month period. Yeah. Sorry. The twelve yeah. No. It is a compliance requirement that every twelve months, we you have to agree to a new service agreement, but it does not mean that you are locked in for twelve months. You can cancel. You could sign the document, and then a month later, you can go, no. I don't wanna do this anymore. And it's not like we've taken out twelve months. So even if you in your network account, you can actually see that if you ever go through your transactions, you can see that the advised fee before, not obviously now because we haven't charged the fee for a while, if you go back more from the start, you would have seen that would have just come out on a monthly basis. So you're not gonna have, like, a a big lump sum payment come out aside from that upfront when you when you came on board as a as a client. Yeah. Yeah. So I know there's obviously a lot of information. For the time being, obviously, because you are not paying for any fees or anything, I wouldn't your investments or do any advice. We can still obviously help transition you out. There won't be any fees for that if you decide that you are definitely going down the investment self managed super fund route. If you decide that you don't want to do that, at least not right now, just let me know. Just call the office or you can send me an email, and then I would say for you to sign those documents, and then I would go and prepare a new strategy. I'll give you a call first, book you in, and reassess all your goals and everything in a lot more in-depth to make sure everything aligns. And then I would go and prepare a strategy for you to aligning with your goals. And if we wanna make any tweaks and changes, especially to your investments, because, obviously, from when you came on board, a lot of things have happened to the the world and the market. So it is good to be proactive with checking things. And especially if we need to make any changes, then I'd want to assess that for you. Yeah. So I will leave that with you, Dean. Like I said, I will get the case management team notified, and then you obviously decide what you want to do. You can obviously decide in your own time. For the time being, though, we won't obviously do any further advice or anything. But just, yeah, let us know how you're going with everything. And if it is that you do transition couple it to a self funded super fund for the property, Caden, who will be the the person kind of running that case management department that you would hear from, will then be able to help you transition out, place the salary investments, and everything on your behalf and also kind of assist you with the insurances and what would happen. But you can also respond to him if you decide that you've changed your mind and you want to stay on for a little bit. You can just let him know, and then he would then book you back in with me to have a further discussion in regards to your goals and everything like that. Yeah. So, obviously, there was a lot of information. Have a look through that email later when you have a moment. Like I said, you'll hear from my colleague, Kaden. But if there's anything else that you need from me or us at any point in time, just just let us know. We're always here to help. And, again, I am very sorry that you haven't had the best experience up until this point. That's not what I like to hear. That's not obviously how how we want things. So, yeah, if I don't speak from you or if I don't speak to you again, obviously, I wish you all the best for the self managed super fund and the property and everything, and I hope that's, you know, achieving all those goals for you. But if not, I'd be more than happy to explore different advice strategies for you as well. So, obviously, take your time and decide what you would like to do. Yeah. Yes. Yep. Perfect. Yep. Beautiful. Well, do you have any other questions for me before I let you go, Dean? Yeah. Yeah. Beautiful. If there's anything you need, though, just call the office as well. You can always ask for me directly. If I'm on the phone, they will they will book you in or give you a callback as soon as I come off the phone if there's anything else I can help you with. Yep. No worries, Dean. Well, all the best if I don't hear from you. No worries. We'll fix him. 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morning, missus Dean. This is Veronica from ICU Financial. How are you this morning? Yeah. I'm good.\n\nThanks. I had you booked in to go over your annual review. Is now still a good time for you? Yes. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yes. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Date of birth, please.\n\nYep. Perfect. And how's your morning been? Been busy? Yeah.\n\nWell, I will try not to keep you for too long. But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at. Yeah. Mhmm. Mhmm.\n\nYep. Yep. Mhmm. And have you started looking at that process? Mhmm.\n\nYes. Yes. Mhmm. Yep. Yep.\n\nPerfect. And with the self managed super fund, is that something you are planning on manage everything yourself, or have you contacted someone to put together, like, strategy and stuff to see if that is going to be the best option for you, or kind of where are things at with that? Mhmm. Mhmm. Mhmm.\n\nMhmm. Okay. Perfect. Now with self managed super funds as well, are you quite familiar with, like, how it works and what's required in your end and the legislation? Yep.\n\nYes. Okay. Amazing. Great. Perfect.\n\nAnd, obviously, the costs and everything in regards to it? Yep. Yep. Mhmm. Okay.\n\nNo problem at all. If it is something so, obviously, with self managed super fund, it seems like you're pretty across it, which is good because most of the time, people key our property is fantastic, but they don't actually, obviously, know all the like, obviously, there's a lot more running costs associated with the self managed super fund because, obviously, you have to launch your own tax return and everything like that. And, obviously, there's more compliance on you being, obviously, the the owner of it. So it seems like you're pretty across of that, which is great. Are you planning on borrowing for the property as well as utilizing your superannuation, or are you planning like, is it yep.\n\nYep. Yep. Yep. Perfect. And are you planning on doing, like, an investment portfolio or anything within your superannuation fund for diversification or mainly just the property?\n\nJust the property. Okay. No worries. Obviously, let us know how you are going with all of that because with the self funded super fund, because, obviously, you would be managing it typically with a self funded super fund if we were to come into play, because we do have quite a few clients with self funded super funds, that way that we would then do things would be if there is a investment portfolio associated with it, because, obviously, you would be the the manager of the self managed super fund, and then you would obviously have your account and tie with it for all the administration of the running of it and the paperwork side of it. And, obviously, the property will be separate.\n\nAnd then we would come in if you do want investments managed as part of your self managed super fund. But if you are prime primarily thinking of it just from a property point of view, then that would probably mean that we wouldn't obviously continue managing, obviously, your super or investments because that would all be moved to a self managed super fund and, obviously, your investments. Okay. And have you thought anything about what you wanna do with your insurances in that instance? Yes.\n\nYes. Yep. You've just changed it. Yep. Okay.\n\nAnd when you say with the industry fund, which industry fund are you thinking of? Oh, okay. Yep. So network is more of like your your retail super fund, so a little bit different to an industry fund. Obviously, from a superannuation point of view, it works similar.\n\nSo with the the Netwealth, if you do keep about 10,000 in there for the insurances, will you be managing your investments or everything in that net worth account given, obviously, you'll only leave about 10,000? Okay. Because, obviously yeah. So, obviously, with with Netwealth, because it's more of, like, your sophisticated platform where you do a lot of different investments, which, obviously, in NetWells as a Superfund, if you only leave about 10,000, you obviously also have to factor in the fees with it. Okay.\n\nOkay. Okay. Okay. Because okay. Yep.\n\nBecause I was going to say, obviously, with Netwealth, if we remove ourselves as servicing advisers from your Netwealth account, So that obviously means that we won't be managing everything for you. If you do decide to leave a portion of your funds in Netwealth, then obviously, you would be responsible for managing those investments. Yes. Yep. Yep.\n\nAnd I do apologize, obviously, that that's been your experience up until this point. That's not obviously what we like and what we want. And you know? Yeah. Mhmm.\n\nYep. Yeah. And like I said, I do apologize that that has been your experience. Obviously, that with you before, but I do. Obviously, that's not what we want.\n\nSo, obviously, yeah, apologize that that has been your experience, but it seems like you're pretty across what you wanted anyway. And there's no, obviously, you know, lock in or anything like that with us. At the end of the day, we are here to tryna help you achieve your super retirement and help educate you along the way. But if you feel like that's not the right option for you with everything and you want to go down the property, then that choice is completely up to you. Like, there's no lock in contract or anything like that.\n\nSo so that totally makes sense. So, basically, after the call today then is that, obviously, I understand, so part of the under review would be, obviously, go through everything for you, which we will do. And then it would be, okay, well, if you wanted to stay on the ongoing service agreement, doing advice, and look at different options. But I understand if that's obviously not the plan that you are wanting to move forward with. So we still obviously go through the under review.\n\nBut following the under review today, I will then get the case management team and let them know that you are in the process of wanting to move to a self managed super fund, and then they will assist you with the transitioning out of, like, what to do with your insurances, whether you want to. Because obviously, with the self managed super fund, you have to maintain some level of insurance plan in place. So whether that would be they can then send you the forms, whether that is you if you decide to keep 10,000 in that wealth, then, obviously, that stays being paid then. Obviously, you have to then be mindful of the the insurance premium. Or if you do decide to open up another industry fund just low cost for the purpose of keeping those insurances, then we can send you the forms of how to change where it's getting paid from.\n\nBecause the good thing with your tal insurances is that that's not at all tied to Netwealth. It's being paid from Netwealth, but it's a completely separate company. So you can transfer that. Let me just check actually how it's set up for you. Because sometimes the insurances are attached to the platform, which means that if you do go to change it, it can cause some issues, but I will get the team let me see if I can check it actually because it's in your the documents today.\n\nBecause if it's a platform, then we can get in touch with Tal. Yeah. Okay. So, basically, with your Tal insurances, it is owned and paid, obviously, from Netwealth at the moment. It it is set up as a platform policy.\n\nSo if you do decide to change where it's getting paid from, sometimes that's possible depending on which product with Tile because they update their product all the time. So it depends on which, like, series you're in. Now this can sound a little bit can sound a little bit messy, but we would obviously help you with it. But, basically, we could then check with Tal if it's possible to change it to an enduring rollover, which is just then meaning that you can transfer it to another super fund or whether that's not possible. But I can let the team the TACE management team know that this is your plan, and they and they can assist you with the forms and what's required and what that would mean for those insurances for you as well after the call.\n\nDoes that make sense? It's a little bit messy. Now okay. Perfect. So what I will do, though so, normally, what I would do is run through as part of the annual review is run through, like, a risk profile questionnaire to see if we need to make any alterations or changes for your investments.\n\nBut if you're obviously in the process of of going to self managed super fund, then I won't waste your time doing all of that because that would mean that we're obviously not gonna yeah. Yeah. Yeah. So with the risk profile yeah. No.\n\nSo with the risk profile, it refers back to your risk in your superannuation fund. So at the moment, obviously, there's different level of risks that you are willing to take for your superannuation, how you feel about market fluctuations. Obviously, when you came on board and when you last had your statement of advice with your strategy, it would have kind of gone through a range of multiple toy questions to determine your level of like, how comfortable you are with different market fluctuations, and then a risk profile and an investment portfolio in that wealth was recommended based on that. So, typically, during the under review, it's so at the moment, you're in a growth profile, which basically means that, typically speaking, you're looking at getting a growth out of your superannuation. We have about 80% invested in different growth assets, which which we can go through today, about 20 in defensive.\n\nSo that's kind of how, obviously, your superannuation investments are managed and structured because you don't have everything in just one option. There's a range of different options in your network account that we've obviously tailored for you for the investment when you came on board. So that's kind of where that comes. But like I said, I won't waste your time doing that. Obviously, if you are, you know, moving, then that that's no point because, otherwise, it would be going through the research, doing new advice, and everything like that.\n\nAnd if that's not something you're interested in, then, yeah, I won't waste your time doing all of that. So, basically, what I will do, though, is I will still send you I have to send you an email with some documents so that you have them, and that is just your annual review documents just to kind of give you a bit of a rundown of what they are. Now, Dean, do you have access to your emails at the moment? No. That's okay.\n\nIt yeah. So, basically, when you get the email, we have changed software, so might look a little bit different. Now you will have an email from myself. It will say sign now. It doesn't mean you have to sign the documents, though, but you will have to just click on the document to open up all the different attachments.\n\nIt's only at the end. It will ask you to sign, which, obviously, I understand you don't wanna do given the that will be the ongoing service to say that you wanna stay on. It still gives you access to all the documents, though, so that you can view it. Part of the document, and you can download them yourself as well from that email. So you can download a copy.\n\nNow part of the document, you will have your child certificate of currency, and that is just breaking down your child insurances so that you can obviously have a think about if the level of insurance is still appropriate for you, if you are happy with what you have, and the premium. But I'll just quickly run through it with you anyway so that you know what you have, but it's in that email. It's not overly not overly, but what comes to play is because it's a tailored cover for you. So it's not like you're standard. Let let's say if you were to go through Australian with Australian Retirement Trust and you just open up an account and you get, like, default insurances, that tends to be cheaper, but it is not tailored to you.\n\nSo the difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim. So it's a little bit gray. So they could go, well, you had a preexisting condition or the contract might change, so they may or may not pay out depending on what it is. So it's not as much certainty, which is why it's, like, your default cover. Right?\n\nBecause it's not like they don't you don't go through, like, a medical questionnaire. They don't know what you do for work or lifestyle or anything. It's just it's just, like, the standard default. Still something, though, but it's not as tailored. Whereas with Tal, I don't know if you remember, but you would have gone through a bit of an application quite extensive.\n\nYeah. So how that is different is that at the time when your policy was put in force, Tal agreed to a contract with you. Anything that would have happened after that period of time, like your you changed your occupation to super risky occupation or you had any medical or injuries or anything, you are then covered. So it gives you that certainty because of it. There's usually a lot more inclusions with that type of policy as well as a a little bit more benefits.\n\nBut then sometimes because of it, it can cost more than your default. So you kind of yeah. So it's kind of the value with the cost, but and they also factor in age. So it does get more expensive the older you get. So probably when you took out the policy, it would have been quite a bit cheaper than what it is now because every single year, it does get more expensive.\n\nSo right. Right. Because from the insurer, they would be like, well, the older you get, the higher probability of you needing to claim on it. So the younger you are, the cheaper it is, and then, obviously, it goes that way. But then at the same time, often, what happens is that when you are younger, you might have more financial responsibilities than you might need more cover.\n\nAnd then the older you get, maybe your mortgage decreases or, you know, you don't have as much financial responsibilities of looking after, like, financial dependence as much or for as long, then you tend to need less and less cover the closer you get. So even though they get more expensive, sometimes it's a matter of they get more expensive, but let's reduce your cover gradually to kind of offset it because you might not need as much. So So it obviously depends on your goals and stuff. Does that make sense, Dean? Yep.\n\nYep. But, basically, obviously, it's completely up to you. So you have life and TPD at the moment that would pay out 311,716. So that would be if you were to pass away, but then also if you were to become totally and permanently disabled and can never go back to work again. Now you also have an income protection policy.\n\nSo income protection will pay you a monthly income replacement if you are temporarily unable to work. Now at the moment, that would pay $3,849 per month. Now you have a four week waiting period, which means that you would have to wait the thirty days before you can start claiming on the policy. Yep. And the benefit period, so that is how long you could be on claim for, would be five five years.\n\nSo that's what you currently have. Yeah. So all those three, because it's structured, that that way, all those three, you do pay about 2,115 from that. But that's all in the documents so you can have a have a look through it after and decide what you would like to do with those. Yes.\n\nYep. Now with your Netwealth account as well, so part of the document, you would have will see when you have a moment later that it does show you your your current super balance. Now do you have access to Netwealth a lot? Like, do you go in every now and then, like, you have access to your account? Okay.\n\nPerfect. Yep. So with your Netwealth, you do have, as of yesterday when we prepared the documents, that was $223,320 in there. Now from that, which will be your second attachment, is showing you a twelve month snapshot. That shows you all your individual investments.\n\nSo when you have a look at it, you will see that you have one, two, three, four, five, six, seven, eight different types of investments that's obviously been tailored and structured for you to give you that diversification. So you have eight different investments at the moment. Now the one thing I do wanna mention as well, so when you just with time frame, obviously, because I know with the self managed super fund, you just let us know when you want us to sell. So, basically, obviously, moving to self managed super fund. Are you going which account are you moving through for the administration side of the self managed super fund?\n\nDo you know, like, which platform account? Mhmm. Do you know which platform that's going to be with or not yet? So, obviously, it's for the usually, you would have, like, a cash account or something like that, whether that would be with Macquarie. It's one of the big ones, or there's a couple of others that run sorry.\n\nBecause with the self funded super fund aid, you won't be able to have it just on, like, a bank account. You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds. So it wouldn't be a matter of, let's say, you open up a a bank account with Nav, and that's where you can structure everything from. Pass rate. Perfect.\n\nRight. Perfect. Okay. Great. So let's say for theory that it is a account with Macquarie, for example.\n\nIf you then want to move, obviously, all your super, so that 223,000 into the Macquarie account to then obviously have funds and everything available for the property and administration and setting up and everything like that, That process can take a little bit of time because what will happen first is because your money is currently invested in the market, we would have to place a a sell. So you would just let us know when you wanna place a sell on all your investments. Now with the sell, there's obviously transaction fees, and there will be capital gains tax associated with obviously selling investment same as you would with an investment property just so that you obviously are aware. We would place a sell. Correct.\n\nNot on cash, but all your investments. Yeah. We would you can you can do straight with Netwealth. Usually, it's just part of the service that we would help manage all of that for you. But if you prefer to go directly to Netwealth and say, hey.\n\nI wanna place a seller on my account, and I wanna move over to all of this. That is perfectly fine. It's up to you. Often, we would just assist with it for you. Yes.\n\nBut it's up to you. But if you prefer to go to Netwealth, we would still get notified that you have done it. Yeah. No. We wouldn't we wouldn't charge a fee for it.\n\nNo. So because yeah. So because, obviously, it would we would just help transition you out. So at the moment, because, obviously, we we didn't do we could I don't think we could get in touch with you. It was a combination, obviously, where everything went on in Queensland with the storm and everything.\n\nWe were running a little bit behind with the under review. So then I think we tried to or you spoke to one of my colleagues last year. But, basically, at the moment, your ongoing service fee, so, obviously, the fee that you would typically pay for our services is off. So at the moment, you are not paying for the fee. So Yes.\n\nCorrect. Yes. Yeah. Yep. So we wouldn't charge like, if you if you sorry.\n\nI'll refer you back to the case management team after the call today and, obviously, let them know your your process, and they will assist you with the transition. They will we would we won't charge you to be like, well, we are placing a trade with NatWest, so we are charging x amount of money. That's not what we do. So we won't charge you. But, obviously, within NatWest, it's the same fee whether you would go through us or Nat Wealth.\n\nThe choice is completely you because, obviously, it's place a trade on your investment, like, place a sell order because your money is not just sitting in cash at the moment. It is invested in the market. So that would just be, like, your standard transaction fees, but that would, like, be net wealth fees. Right? So it doesn't matter who you contact.\n\nAnd because your money is invested, what the earnings are so whatever you have made from the investment, there can be some capital gains tax that would come out of your super when you sell the investments. That would all be through network, though. It's not something you have to declare or anything like that. But just, obviously, that will be part of a sell down process, which I'm sure your accountant would have touched on with you as well. Yep.\n\nYep. Perfect. So, yeah, with the sell down, because one of your investments is a managed fund, they can take up to about ten business days, sometimes a little bit longer, for everything to be sell down to cash. So you just let us know or network whatever you prefer when you want that sell down trade to happen just so that allows you enough time for then the funds to be sold down and transferred. Yep.\n\nMakes sense? Yes. Okay. Perfect. Now with your superannuation as well let me see if I can see that here.\n\nWith your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that. So the last twelve months haven't been great with everything that's going on. The last three months have been a lot better, though. Sorry. There's obviously been a bit of fluctuations in the market.\n\nSo when we are looking at a twelve month period, which is the report I have sent to you, now this is the performance report. It's just from your investments. It's not talking about how much you have contributed, but, obviously, it's a return on your investment. So by contributing, you have more money to be invested, so the returns generate from that. Yep.\n\nSo with the investments over the last twelve months now let me just get this up here. With obviously all the fluctuations in the market, it is down by about 0.74%. Yep. Now that is just return on your investments. Now in the last three months, it has come back up a bit, which is great, which is natural part of the market, obviously, with everything, especially the war and everything that's going on.\n\nSo in the last three months, the good thing is it has started to come back up, which is good. Now let me just open this one here for you. So in when we're looking at the last three months, so just looking from the April 7 to, obviously, the July 6, the return on the investments is up by 5.77. So it started to come back around, yeah, which which is good. Now from that so if we are looking at let me see here, the three months, for example, you can then see the return.\n\nSo the return isn't your contributions. It is the return on your investment. That represents about 12,514 in the last three months. Was that Yeah. When we looked at a twelve month period, it was down about 1,316 after fees.\n\nYep. Exactly. So it's come back up, which is which is good as well that if you even, let's say, decided to move three months ago, then you would have obviously missed the little kind of starting to come back around. Yeah. So the last three months have have started to come back around.\n\nNow let me see if I can see here. So that's just a return on your investments, which is obviously separate to your contributions. Now let me see if I can see in your account here how much contributions. Because this report that we normally send, we don't factor in contributions. We usually just tell you the return on the investments.\n\nBut what I can, yeah, just to kind of give you what's the investment's done, not saying, well, you've made $20,000 and 18 of that from your contributions. No. We would just tell you what your investments have made irrespective of the contributions to make that kind of more fair comparison to you, which is kind of what you were talking about. Yeah. But what I can do after the call as well when I send you, to case management, that I can even just get a report for you from hub twenty sorry, from Netwealth that shows you how much you actually put in yourself as well so that you can see if that will be good.\n\nYeah. Yep. Yep. So because you can even on those reports let me see if I can go back up here. So on the reports, you can even see them.\n\nSorry. When I'm looking at the twelve month again, let's say, your starting value, so the 07/07/2025, shows that your super balance was as 218,345. Now this is all in the documents in your email as well, so you don't have to remember it. So starting balance was at 218,345. On the July 6, it was 223,152.\n\nNow return on your investment was negative 1,316. But, obviously, from $2,218,000 to 223,000, it's gone up. That is because your contributions. So that is, like, separate. Now looking then at your three months, the starting value on the April 7 was 210,861.\n\nAt the end, it was 223,152. Out of that, 12,000 was from your investments. The rest was from your contributions. So in that document, you can actually see see the change. So, obviously, take away the return on the investments from that balance, and that gives you how much you've put into super as well.\n\nYeah. Correct. Yes. And your account as well, because sometimes it can be it seems like you're pretty across things, which is great. But sometimes when you first look at it, it can look a little bit messy, but it just gives you all the information.\n\nSo it's called the asset performance detail that shows you all your investments, open value, close value, the income derived from the investment, the return on the investments as well. Yeah. Yes. Sorry. It's all there.\n\nIf you do have any questions or you need any other reports, just call the office as well, then we're more than happy to obviously give that to you if if you do need anything else. Yeah. Yes. Now, otherwise, part of the document, like I said, it is the ongoing service agreement, which would obviously be if you wanted to stay on. But understand that you're moving to a self managed super fund.\n\nThere's also a tax fund number opt in form, and that would be, again, if you wanna stay on, it's just a compliance form to say that we're keeping a tax fund number secure and safe on file. Again, obviously, understand if you're moving through a self managed super fund. The last two documents is one is just a Vanguard index chart. You probably have seen this before. It's just a visual representation of the market, which often I find is quite helpful when we are talking about market fluctuations and risk profiles.\n\nBut, again, that's just there for for your reference. And then the last document, it is just an OQ services guide. You would have seen this one a couple of times, but it's just basically everything you need to know about Oakview. Obviously, you're moving through a self managed super fund might not be that applicable anymore, but it's all there for you. All the team directors, all advisers is in there for you as well.\n\nSo if you obviously wanna have a read over it, that is all in that document for you. Yeah. So that yeah. So they would have obviously done your research and everything to start with and then introduced you to us, and then we would have obviously done the advice and everything like that. So they're kind of like your marketing firm as well to to kind of do all that initial research.\n\nAnd then you probably transferred over and spoken through I think you've spoken a little bit to the director, Sevvy, and to some of the advices here. And then we've obviously been managing things for you moving. Yeah. Well, do you have any questions for me, Dean? No?\n\nYes. Yes. Yes. What would it look yeah. So correct, so if it was that you if it was that you decide that you don't wanna go to the self managed super fund, I would suggest you calling me as well or calling the office because what I would like to do then for you is go through, especially your investments and go through a new because like you said, it has been a little while since you've had your last advice piece.\n\nAnd because of that, I would want to make sure that everything is working the right way for you. So what I would do, if it is that you decide you don't want to do that, I would say just please let me know Because what I would do or what I would want to do is to go through a more in-depth research process, put together a new proposal for you, and see if we needed to make any changes to your investments to align with everything for you, go through a bit more of a of a fact find with you to make sure, again, that everything is aligned as for your goals and wishes, especially if you feel like that hasn't been set out clearly, then that would be something that I would want to do. I would want to run through, well, what are your goals? What's your objectives? What do you actually want to achieve?\n\nAnd does the advice reflect that, or do I need to make any changes with advice to get you there? So that's what I would want to do. If you decide that you don't wanna do the self managed Safer Fund and you want to explore this, just let me know because then part of the ongoing so you you could sign the documents if you are happy because that then tells me that you would like to explore things further. Now with our ongoing service agreement, which is that document it will ask you to sign if you decide that you would like to explore things further, it is your ongoing service agreement. Now with the ongoing service agreement, the fee structure hasn't changed.\n\nIf you decide that you would like to stay on board, even if it's just for a while, the fee would stay the same at 1.65 from your super. Correct. On the super. And that would be to obviously manage everything. Now with the ongoing service agreement, in order for us to charge a fee, you have to sign this every twelve months.\n\nIt doesn't mean that you are locked in to a twelve month period because with the fee yeah. So with the fee structure, we normally show you a yearly, so how much it will be over a twelve month period. But what actually happens is that it is deducted every month for you. So it's split up and deducted on a monthly basis. It also makes them more fair to you, especially with market fluctuations.\n\nBecause if we were to take out, let's say, one lump sum and the market is at a peak at that time, because this is a percentage of your super balance, we would obviously take out a larger amount. Same time, though, if the market's down. So what we do instead is we just take it out on a monthly basis, but it also gives you the flexibility. So you don't have to commit to a twelve month period if you go, do you know what? I'm happy to give it a couple of months, so I wanna see how things go.\n\nYou could just do that, and then you could let us know at any point in time if, let's say, in theory, you go, okay. Well, I wanna see what this is all about, See if there's any changes a bit more consistency with communication and support that you haven't had. Whether that is you go, okay. Let's see what happens after three months. For example, after three months, even though the fee would be on, if you go, no.\n\nI want to leave now, then there's, like, no exit fees. There's no cancellation. We would just stop that payment. We would just remove ourselves, then we wouldn't charge you anymore. So it's not like you have to lock in to a twelve month period.\n\nYeah. Sorry. The twelve yeah. No. It is a compliance requirement that every twelve months, we you have to agree to a new service agreement, but it does not mean that you are locked in for twelve months.\n\nYou can cancel. You could sign the document, and then a month later, you can go, no. I don't wanna do this anymore. And it's not like we've taken out twelve months. So even if you in your network account, you can actually see that if you ever go through your transactions, you can see that the advised fee before, not obviously now because we haven't charged the fee for a while, if you go back more from the start, you would have seen that would have just come out on a monthly basis.\n\nSo you're not gonna have, like, a a big lump sum payment come out aside from that upfront when you when you came on board as a as a client. Yeah. Yeah. So I know there's obviously a lot of information. For the time being, obviously, because you are not paying for any fees or anything, I wouldn't your investments or do any advice.\n\nWe can still obviously help transition you out. There won't be any fees for that if you decide that you are definitely going down the investment self managed super fund route. If you decide that you don't want to do that, at least not right now, just let me know. Just call the office or you can send me an email, and then I would say for you to sign those documents, and then I would go and prepare a new strategy. I'll give you a call first, book you in, and reassess all your goals and everything in a lot more in-depth to make sure everything aligns.\n\nAnd then I would go and prepare a strategy for you to aligning with your goals. And if we wanna make any tweaks and changes, especially to your investments, because, obviously, from when you came on board, a lot of things have happened to the the world and the market. So it is good to be proactive with checking things. And especially if we need to make any changes, then I'd want to assess that for you. Yeah.\n\nSo I will leave that with you, Dean. Like I said, I will get the case management team notified, and then you obviously decide what you want to do. You can obviously decide in your own time. For the time being, though, we won't obviously do any further advice or anything. But just, yeah, let us know how you're going with everything.\n\nAnd if it is that you do transition couple it to a self funded super fund for the property, Caden, who will be the the person kind of running that case management department that you would hear from, will then be able to help you transition out, place the salary investments, and everything on your behalf and also kind of assist you with the insurances and what would happen. But you can also respond to him if you decide that you've changed your mind and you want to stay on for a little bit. You can just let him know, and then he would then book you back in with me to have a further discussion in regards to your goals and everything like that. Yeah. So, obviously, there was a lot of information.\n\nHave a look through that email later when you have a moment. Like I said, you'll hear from my colleague, Kaden. But if there's anything else that you need from me or us at any point in time, just just let us know. We're always here to help. And, again, I am very sorry that you haven't had the best experience up until this point.\n\nThat's not what I like to hear. That's not obviously how how we want things. So, yeah, if I don't speak from you or if I don't speak to you again, obviously, I wish you all the best for the self managed super fund and the property and everything, and I hope that's, you know, achieving all those goals for you. But if not, I'd be more than happy to explore different advice strategies for you as well. So, obviously, take your time and decide what you would like to do.\n\nYeah. Yes. Yep. Perfect. Yep.\n\nBeautiful. Well, do you have any other questions for me before I let you go, Dean? Yeah. Yeah. Beautiful.\n\nIf there's anything you need, though, just call the office as well. You can always ask for me directly. If I'm on the phone, they will they will book you in or give you a callback as soon as I come off the phone if there's anything else I can help you with. Yep. No worries, Dean.\n\nWell, all the best if I don't hear from you. No worries. We'll fix him. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, missus Dean.","start":4.56,"end":5.94,"sentiment":"positive","sentiment_score":0.3576788604259491},{"text":"This is Veronica from ICU Financial.","start":9.28,"end":11.54,"sentiment":"neutral","sentiment_score":0.19786182045936584},{"text":"How are you this morning?","start":11.599999,"end":12.74,"sentiment":"neutral","sentiment_score":0.2500234693288803},{"text":"Yeah.","start":15.055,"end":15.455,"sentiment":"positive","sentiment_score":0.4037465155124664},{"text":"I'm good.","start":15.455,"end":16.015,"sentiment":"positive","sentiment_score":0.6222758591175079}],"sentiment":"neutral","sentiment_score":0.3064612191584375,"num_words":18,"start":4.56,"end":16.015},{"sentences":[{"text":"Thanks.","start":16.015,"end":16.515,"sentiment":"positive","sentiment_score":0.7356319427490234},{"text":"I had you booked in to go over your annual review.","start":18.575,"end":21.215,"sentiment":"positive","sentiment_score":0.40874154459346423},{"text":"Is now still a good time for you?","start":21.215,"end":23.075,"sentiment":"neutral","sentiment_score":0.3158056102693081},{"text":"Yes.","start":24.654999,"end":24.99,"sentiment":"neutral","sentiment_score":0.2395627647638321},{"text":"Perfect.","start":25.31,"end":25.81,"sentiment":"positive","sentiment_score":0.37388646602630615}],"sentiment":"positive","sentiment_score":0.3805310475555333,"num_words":22,"start":16.015,"end":25.81},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":26.27,"end":34.69,"sentiment":"neutral","sentiment_score":0.036715989872332544},{"text":"Yes.","start":36.03,"end":36.53,"sentiment":"neutral","sentiment_score":0.1851836144924164},{"text":"Perfect.","start":36.67,"end":37.17,"sentiment":"neutral","sentiment_score":0.3170100152492523},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":37.995003,"end":47.215,"sentiment":"neutral","sentiment_score":0.08555050610619433},{"text":"Date of birth, please.","start":52.49,"end":53.63,"sentiment":"neutral","sentiment_score":0.01183798024430871}],"sentiment":"neutral","sentiment_score":0.06473885132918056,"num_words":71,"start":26.27,"end":53.63},{"sentences":[{"text":"Yep.","start":56.49,"end":56.99,"sentiment":"neutral","sentiment_score":0.05334296077489853},{"text":"Perfect.","start":58.73,"end":59.21,"sentiment":"positive","sentiment_score":0.3941209316253662},{"text":"And how's your morning been?","start":59.21,"end":60.33,"sentiment":"neutral","sentiment_score":0.09635854959487915},{"text":"Been busy?","start":60.33,"end":61.07,"sentiment":"neutral","sentiment_score":-0.0034606950357556326},{"text":"Yeah.","start":62.985,"end":63.485,"sentiment":"neutral","sentiment_score":0.08303318917751312}],"sentiment":"neutral","sentiment_score":0.10053684394806624,"num_words":10,"start":56.49,"end":63.485},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":65.385,"end":68.285,"sentiment":"neutral","sentiment_score":-0.01173264973542907},{"text":"But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at.","start":69.225,"end":84.25,"sentiment":"neutral","sentiment_score":0.044833805018032975},{"text":"Yeah.","start":86.405,"end":86.905,"sentiment":"neutral","sentiment_score":0.01542285457253456},{"text":"Mhmm.","start":97.86,"end":98.36,"sentiment":"neutral","sentiment_score":0.006038649007678032},{"text":"Mhmm.","start":101.86,"end":102.36,"sentiment":"neutral","sentiment_score":0.02395745925605297}],"sentiment":"neutral","sentiment_score":0.034056328434610005,"num_words":66,"start":65.385,"end":102.36},{"sentences":[{"text":"Yep.","start":108.34,"end":108.84,"sentiment":"neutral","sentiment_score":0.1083211749792099},{"text":"Yep.","start":111.795,"end":112.295,"sentiment":"neutral","sentiment_score":0.04564473032951355},{"text":"Mhmm.","start":121.075,"end":121.575,"sentiment":"neutral","sentiment_score":0.02411934919655323},{"text":"And have you started looking at that process?","start":123.57,"end":127.75,"sentiment":"neutral","sentiment_score":0.01681269076652825},{"text":"Mhmm.","start":135.565,"end":136.065,"sentiment":"neutral","sentiment_score":-0.008648892864584923}],"sentiment":"neutral","sentiment_score":0.02532815731440981,"num_words":12,"start":108.34,"end":136.065},{"sentences":[{"text":"Yes.","start":137.005,"end":137.505,"sentiment":"neutral","sentiment_score":0.08679447323083878},{"text":"Yes.","start":139.725,"end":140.225,"sentiment":"neutral","sentiment_score":0.18984955549240112},{"text":"Mhmm.","start":143.485,"end":143.985,"sentiment":"neutral","sentiment_score":0.05626037716865539},{"text":"Yep.","start":148.14,"end":148.64,"sentiment":"neutral","sentiment_score":0.018556632101535797},{"text":"Yep.","start":150.70001,"end":151.20001,"sentiment":"neutral","sentiment_score":0.2249281108379364}],"sentiment":"neutral","sentiment_score":0.1152778297662735,"num_words":5,"start":137.005,"end":151.20001},{"sentences":[{"text":"Perfect.","start":151.42001,"end":151.92001,"sentiment":"positive","sentiment_score":0.6176221370697021},{"text":"And with the self managed super fund, is that something you are planning on manage everything yourself, or have you contacted someone to put together, like, strategy and stuff to see if that is going to be the best option for you, or kind of where are things at with that?","start":153.18001,"end":171.40501,"sentiment":"neutral","sentiment_score":0.18079597152331295},{"text":"Mhmm.","start":176.68001,"end":177.18001,"sentiment":"neutral","sentiment_score":0.03379056602716446},{"text":"Mhmm.","start":179.8,"end":180.3,"sentiment":"neutral","sentiment_score":0.05169501155614853},{"text":"Mhmm.","start":183.32,"end":183.82,"sentiment":"neutral","sentiment_score":0.04017938673496246}],"sentiment":"neutral","sentiment_score":0.18116148452867162,"num_words":55,"start":151.42001,"end":183.82},{"sentences":[{"text":"Mhmm.","start":191.095,"end":191.595,"sentiment":"neutral","sentiment_score":0.06771765649318695},{"text":"Okay.","start":193.335,"end":193.835,"sentiment":"neutral","sentiment_score":0.3080311417579651},{"text":"Perfect.","start":193.895,"end":194.395,"sentiment":"positive","sentiment_score":0.4830514192581177},{"text":"Now with self managed super funds as well, are you quite familiar with, like, how it works and what's required in your end and the legislation?","start":195.655,"end":205.7,"sentiment":"neutral","sentiment_score":0.11184737458825111},{"text":"Yep.","start":206.64,"end":207.14,"sentiment":"neutral","sentiment_score":0.03877011314034462}],"sentiment":"neutral","sentiment_score":0.12685340233147144,"num_words":30,"start":191.095,"end":207.14},{"sentences":[{"text":"Yes.","start":207.92,"end":208.42,"sentiment":"neutral","sentiment_score":0.05718520283699035},{"text":"Okay.","start":208.56,"end":209.06,"sentiment":"neutral","sentiment_score":0.13608387112617493},{"text":"Amazing.","start":209.38501,"end":209.785,"sentiment":"positive","sentiment_score":0.6590567827224731},{"text":"Great.","start":209.785,"end":210.10501,"sentiment":"positive","sentiment_score":0.7356215119361877},{"text":"Perfect.","start":210.10501,"end":210.505,"sentiment":"positive","sentiment_score":0.6596428155899048}],"sentiment":"positive","sentiment_score":0.4495180368423462,"num_words":5,"start":207.92,"end":210.505},{"sentences":[{"text":"And, obviously, the costs and everything in regards to it?","start":210.505,"end":213.705,"sentiment":"neutral","sentiment_score":0.07543214727193118},{"text":"Yep.","start":213.705,"end":214.205,"sentiment":"neutral","sentiment_score":0.06304274499416351},{"text":"Yep.","start":220.345,"end":220.845,"sentiment":"neutral","sentiment_score":-0.002273430582135916},{"text":"Mhmm.","start":228.28,"end":228.44,"sentiment":"neutral","sentiment_score":0.05044485256075859},{"text":"Okay.","start":228.44,"end":228.94,"sentiment":"neutral","sentiment_score":0.11456891894340517}],"sentiment":"neutral","sentiment_score":0.07000746847396451,"num_words":14,"start":210.505,"end":228.94},{"sentences":[{"text":"No problem at all.","start":229.0,"end":230.3,"sentiment":"neutral","sentiment_score":0.18235710356384516},{"text":"If it is something so, obviously, with self managed super fund, it seems like you're pretty across it, which is good because most of the time, people key our property is fantastic, but they don't actually, obviously, know all the like, obviously, there's a lot more running costs associated with the self managed super fund because, obviously, you have to launch your own tax return and everything like that.","start":230.84,"end":248.72499,"sentiment":"neutral","sentiment_score":0.09262176577433728},{"text":"And, obviously, there's more compliance on you being, obviously, the the owner of it.","start":248.72499,"end":253.93001,"sentiment":"neutral","sentiment_score":0.12122941722295114},{"text":"So it seems like you're pretty across of that, which is great.","start":253.93001,"end":256.75,"sentiment":"positive","sentiment_score":0.5379946703712145},{"text":"Are you planning on borrowing for the property as well as utilizing your superannuation, or are you planning like, is it yep.","start":256.97,"end":264.91,"sentiment":"neutral","sentiment_score":0.060344906862486496}],"sentiment":"neutral","sentiment_score":0.13719889329946486,"num_words":121,"start":229.0,"end":264.91},{"sentences":[{"text":"Yep.","start":264.97,"end":265.47,"sentiment":"neutral","sentiment_score":0.1148473620414734},{"text":"Yep.","start":267.875,"end":268.275,"sentiment":"neutral","sentiment_score":0.08761727064847946},{"text":"Yep.","start":268.275,"end":268.595,"sentiment":"neutral","sentiment_score":0.1614353060722351},{"text":"Perfect.","start":268.595,"end":269.095,"sentiment":"neutral","sentiment_score":0.3305945098400116},{"text":"And are you planning on doing, like, an investment portfolio or anything within your superannuation fund for diversification or mainly just the property?","start":269.475,"end":278.055,"sentiment":"neutral","sentiment_score":0.059429577835228134}],"sentiment":"neutral","sentiment_score":0.07634721254860913,"num_words":27,"start":264.97,"end":278.055},{"sentences":[{"text":"Just the property.","start":279.72998,"end":280.61,"sentiment":"neutral","sentiment_score":0.033180793126424156},{"text":"Okay.","start":280.61,"end":281.11,"sentiment":"neutral","sentiment_score":0.06286601722240448},{"text":"No worries.","start":281.16998,"end":281.99,"sentiment":"neutral","sentiment_score":0.07044096104800701},{"text":"Obviously, let us know how you are going with all of that because with the self funded super fund, because, obviously, you would be managing it typically with a self funded super fund if we were to come into play, because we do have quite a few clients with self funded super funds, that way that we would then do things would be if there is a investment portfolio associated with it, because, obviously, you would be the the manager of the self managed super fund, and then you would obviously have your account and tie with it for all the administration of the running of it and the paperwork side of it.","start":282.93,"end":317.28,"sentiment":"neutral","sentiment_score":0.03586967821043413},{"text":"And, obviously, the property will be separate.","start":317.42,"end":319.44,"sentiment":"neutral","sentiment_score":-0.01279432699084282}],"sentiment":"neutral","sentiment_score":0.03386510847254642,"num_words":126,"start":279.72998,"end":319.44},{"sentences":[{"text":"And then we would come in if you do want investments managed as part of your self managed super fund.","start":319.5,"end":326.375,"sentiment":"neutral","sentiment_score":0.007224294822663069},{"text":"But if you are prime primarily thinking of it just from a property point of view, then that would probably mean that we wouldn't obviously continue managing, obviously, your super or investments because that would all be moved to a self managed super fund and, obviously, your investments.","start":326.435,"end":342.31,"sentiment":"neutral","sentiment_score":-0.015656318205098312},{"text":"Okay.","start":342.45,"end":342.93,"sentiment":"neutral","sentiment_score":0.013917873613536358},{"text":"And have you thought anything about what you wanna do with your insurances in that instance?","start":342.93,"end":348.31,"sentiment":"neutral","sentiment_score":-0.002395165618509054},{"text":"Yes.","start":352.335,"end":352.835,"sentiment":"neutral","sentiment_score":0.016200289130210876}],"sentiment":"neutral","sentiment_score":-0.007153742610975061,"num_words":86,"start":319.5,"end":352.835},{"sentences":[{"text":"Yes.","start":355.695,"end":356.195,"sentiment":"neutral","sentiment_score":0.08779190480709076},{"text":"Yep.","start":359.055,"end":359.375,"sentiment":"neutral","sentiment_score":0.07277917861938477},{"text":"You've just changed it.","start":359.375,"end":360.755,"sentiment":"neutral","sentiment_score":0.012802667450159788},{"text":"Yep.","start":361.97,"end":362.47,"sentiment":"neutral","sentiment_score":0.2174622267484665},{"text":"Okay.","start":373.985,"end":374.485,"sentiment":"neutral","sentiment_score":0.10326555371284483}],"sentiment":"neutral","sentiment_score":0.06656369171105325,"num_words":8,"start":355.695,"end":374.485},{"sentences":[{"text":"And when you say with the industry fund, which industry fund are you thinking of?","start":376.625,"end":381.525,"sentiment":"neutral","sentiment_score":0.03559667567412059},{"text":"Oh, okay.","start":384.065,"end":384.54498,"sentiment":"neutral","sentiment_score":0.06065613590180874},{"text":"Yep.","start":384.54498,"end":384.865,"sentiment":"neutral","sentiment_score":0.07625028491020203},{"text":"So network is more of like your your retail super fund, so a little bit different to an industry fund.","start":384.865,"end":390.19,"sentiment":"neutral","sentiment_score":0.0429874150082469},{"text":"Obviously, from a superannuation point of view, it works similar.","start":390.19,"end":394.13,"sentiment":"neutral","sentiment_score":0.08335099332034587}],"sentiment":"neutral","sentiment_score":0.050516060941542186,"num_words":48,"start":376.625,"end":394.13},{"sentences":[{"text":"So with the the Netwealth, if you do keep about 10,000 in there for the insurances, will you be managing your investments or everything in that net worth account given, obviously, you'll only leave about 10,000?","start":395.71002,"end":409.865,"sentiment":"neutral","sentiment_score":0.031975093918542065},{"text":"Okay.","start":416.42,"end":416.92,"sentiment":"neutral","sentiment_score":-0.02817077375948429},{"text":"Because, obviously yeah.","start":417.62,"end":420.82,"sentiment":"neutral","sentiment_score":-0.02497747540473938},{"text":"So, obviously, with with Netwealth, because it's more of, like, your sophisticated platform where you do a lot of different investments, which, obviously, in NetWells as a Superfund, if you only leave about 10,000, you obviously also have to factor in the fees with it.","start":420.82,"end":437.855,"sentiment":"neutral","sentiment_score":0.04285899475216866},{"text":"Okay.","start":441.595,"end":442.095,"sentiment":"neutral","sentiment_score":0.09821027517318726}],"sentiment":"neutral","sentiment_score":0.03575424674551848,"num_words":86,"start":395.71002,"end":442.095},{"sentences":[{"text":"Okay.","start":443.76,"end":444.24002,"sentiment":"neutral","sentiment_score":0.17814579606056213},{"text":"Okay.","start":444.24002,"end":444.74002,"sentiment":"neutral","sentiment_score":0.13479989767074585},{"text":"Okay.","start":444.80002,"end":445.28,"sentiment":"neutral","sentiment_score":0.08324780315160751},{"text":"Because okay.","start":445.28,"end":448.0,"sentiment":"neutral","sentiment_score":0.08125421591103077},{"text":"Yep.","start":448.0,"end":448.24002,"sentiment":"neutral","sentiment_score":0.02919001877307892}],"sentiment":"neutral","sentiment_score":0.09798199124634266,"num_words":6,"start":443.76,"end":448.24002},{"sentences":[{"text":"Because I was going to say, obviously, with Netwealth, if we remove ourselves as servicing advisers from your Netwealth account, So that obviously means that we won't be managing everything for you.","start":448.24002,"end":457.535,"sentiment":"neutral","sentiment_score":-0.1476365108974278},{"text":"If you do decide to leave a portion of your funds in Netwealth, then obviously, you would be responsible for managing those investments.","start":457.535,"end":465.71503,"sentiment":"neutral","sentiment_score":-0.03421014012849849},{"text":"Yes.","start":468.19,"end":468.69,"sentiment":"neutral","sentiment_score":-0.03354150801897049},{"text":"Yep.","start":493.1,"end":493.41998,"sentiment":"neutral","sentiment_score":-0.004641241859644651},{"text":"Yep.","start":493.41998,"end":493.91998,"sentiment":"neutral","sentiment_score":-0.00251298351213336}],"sentiment":"neutral","sentiment_score":-0.09572236732868798,"num_words":58,"start":448.24002,"end":493.91998},{"sentences":[{"text":"And I do apologize, obviously, that that's been your experience up until this point.","start":493.97998,"end":498.69998,"sentiment":"neutral","sentiment_score":-0.15836311278066464},{"text":"That's not obviously what we like and what we want.","start":498.69998,"end":502.38,"sentiment":"neutral","sentiment_score":-0.17339578829705715},{"text":"And you know?","start":502.38,"end":504.0,"sentiment":"neutral","sentiment_score":-0.055526609222094216},{"text":"Yeah.","start":506.665,"end":507.165,"sentiment":"neutral","sentiment_score":-0.029668636620044708},{"text":"Mhmm.","start":510.185,"end":510.685,"sentiment":"neutral","sentiment_score":-0.05553465336561203}],"sentiment":"neutral","sentiment_score":-0.14492498550178676,"num_words":29,"start":493.97998,"end":510.685},{"sentences":[{"text":"Yep.","start":511.545,"end":512.04504,"sentiment":"neutral","sentiment_score":-0.0963759943842888},{"text":"Yeah.","start":514.985,"end":515.465,"sentiment":"neutral","sentiment_score":-0.13950243592262268},{"text":"And like I said, I do apologize that that has been your experience.","start":515.465,"end":518.505,"sentiment":"neutral","sentiment_score":-0.17532453055565173},{"text":"Obviously, that with you before, but I do.","start":518.505,"end":521.42,"sentiment":"neutral","sentiment_score":-0.054025613237172365},{"text":"Obviously, that's not what we want.","start":521.42,"end":523.66,"sentiment":"negative","sentiment_score":-0.3615897794564565}],"sentiment":"neutral","sentiment_score":-0.17644279000574145,"num_words":29,"start":511.545,"end":523.66},{"sentences":[{"text":"So, obviously, yeah, apologize that that has been your experience, but it seems like you're pretty across what you wanted anyway.","start":523.66,"end":530.86,"sentiment":"neutral","sentiment_score":-0.11828704994349253},{"text":"And there's no, obviously, you know, lock in or anything like that with us.","start":530.86,"end":535.125,"sentiment":"neutral","sentiment_score":-0.09382067833627973},{"text":"At the end of the day, we are here to tryna help you achieve your super retirement and help educate you along the way.","start":535.125,"end":540.98505,"sentiment":"neutral","sentiment_score":0.26523724136253196},{"text":"But if you feel like that's not the right option for you with everything and you want to go down the property, then that choice is completely up to you.","start":541.125,"end":548.53,"sentiment":"negative","sentiment_score":-0.4598219615717729},{"text":"Like, there's no lock in contract or anything like that.","start":548.53,"end":551.43,"sentiment":"neutral","sentiment_score":-0.2032497838139534}],"sentiment":"neutral","sentiment_score":-0.1339290953344769,"num_words":99,"start":523.66,"end":551.43},{"sentences":[{"text":"So so that totally makes sense.","start":553.49,"end":556.71,"sentiment":"neutral","sentiment_score":0.2586515098810196},{"text":"So, basically, after the call today then is that, obviously, I understand, so part of the under review would be, obviously, go through everything for you, which we will do.","start":557.33,"end":567.745,"sentiment":"neutral","sentiment_score":0.09588382827738921},{"text":"And then it would be, okay, well, if you wanted to stay on the ongoing service agreement, doing advice, and look at different options.","start":567.965,"end":574.445,"sentiment":"neutral","sentiment_score":0.10330017454301317},{"text":"But I understand if that's obviously not the plan that you are wanting to move forward with.","start":574.445,"end":578.76,"sentiment":"neutral","sentiment_score":-0.29907819672542457},{"text":"So we still obviously go through the under review.","start":578.76,"end":580.94,"sentiment":"neutral","sentiment_score":-0.030946459621191025}],"sentiment":"neutral","sentiment_score":0.017962565299036892,"num_words":86,"start":553.49,"end":580.94},{"sentences":[{"text":"But following the under review today, I will then get the case management team and let them know that you are in the process of wanting to move to a self managed super fund, and then they will assist you with the transitioning out of, like, what to do with your insurances, whether you want to.","start":581.16,"end":601.95,"sentiment":"neutral","sentiment_score":0.09697080007754266},{"text":"Because obviously, with the self managed super fund, you have to maintain some level of insurance plan in place.","start":602.35004,"end":608.69,"sentiment":"neutral","sentiment_score":0.011949854069634488},{"text":"So whether that would be they can then send you the forms, whether that is you if you decide to keep 10,000 in that wealth, then, obviously, that stays being paid then.","start":609.15,"end":617.675,"sentiment":"neutral","sentiment_score":0.06872619059868157},{"text":"Obviously, you have to then be mindful of the the insurance premium.","start":617.675,"end":620.555,"sentiment":"neutral","sentiment_score":-0.06804116171163817},{"text":"Or if you do decide to open up another industry fund just low cost for the purpose of keeping those insurances, then we can send you the forms of how to change where it's getting paid from.","start":620.555,"end":632.14996,"sentiment":"neutral","sentiment_score":0.0494671166949981}],"sentiment":"neutral","sentiment_score":0.05686179171793927,"num_words":156,"start":581.16,"end":632.14996},{"sentences":[{"text":"Because the good thing with your tal insurances is that that's not at all tied to Netwealth.","start":632.14996,"end":636.63,"sentiment":"neutral","sentiment_score":0.07359567936509848},{"text":"It's being paid from Netwealth, but it's a completely separate company.","start":636.63,"end":640.07,"sentiment":"neutral","sentiment_score":0.04136960039084608},{"text":"So you can transfer that.","start":640.07,"end":641.85,"sentiment":"neutral","sentiment_score":0.08293300867080688},{"text":"Let me just check actually how it's set up for you.","start":643.925,"end":647.225,"sentiment":"neutral","sentiment_score":0.07330129431052641},{"text":"Because sometimes the insurances are attached to the platform, which means that if you do go to change it, it can cause some issues, but I will get the team let me see if I can check it actually because it's in your the documents today.","start":647.525,"end":668.3,"sentiment":"neutral","sentiment_score":-0.03898017286606457}],"sentiment":"neutral","sentiment_score":0.012600927582631509,"num_words":90,"start":632.14996,"end":668.3},{"sentences":[{"text":"Because if it's a platform, then we can get in touch with Tal.","start":668.6,"end":673.075,"sentiment":"neutral","sentiment_score":0.07277475813260445},{"text":"Yeah.","start":673.53503,"end":673.855,"sentiment":"neutral","sentiment_score":0.07769133150577545},{"text":"Okay.","start":673.855,"end":674.355,"sentiment":"neutral","sentiment_score":0.08533114194869995},{"text":"So, basically, with your Tal insurances, it is owned and paid, obviously, from Netwealth at the moment.","start":674.575,"end":680.495,"sentiment":"neutral","sentiment_score":0.07748196821878939},{"text":"It it is set up as a platform policy.","start":680.495,"end":682.59503,"sentiment":"neutral","sentiment_score":0.09177410023079978}],"sentiment":"neutral","sentiment_score":0.0793232851457305,"num_words":41,"start":668.6,"end":682.59503},{"sentences":[{"text":"So if you do decide to change where it's getting paid from, sometimes that's possible depending on which product with Tile because they update their product all the time.","start":683.055,"end":694.31,"sentiment":"neutral","sentiment_score":0.07483214050017555},{"text":"So it depends on which, like, series you're in.","start":694.31,"end":696.73,"sentiment":"neutral","sentiment_score":0.04209352864159478},{"text":"Now this can sound a little bit can sound a little bit messy, but we would obviously help you with it.","start":696.79,"end":702.16504,"sentiment":"neutral","sentiment_score":-0.05442765222064087},{"text":"But, basically, we could then check with Tal if it's possible to change it to an enduring rollover, which is just then meaning that you can transfer it to another super fund or whether that's not possible.","start":702.945,"end":714.885,"sentiment":"neutral","sentiment_score":-0.0036391414500571585},{"text":"But I can let the team the TACE management team know that this is your plan, and they and they can assist you with the forms and what's required and what that would mean for those insurances for you as well after the call.","start":714.93,"end":728.715,"sentiment":"neutral","sentiment_score":0.24252779290757395}],"sentiment":"neutral","sentiment_score":0.0853040556423366,"num_words":140,"start":683.055,"end":728.715},{"sentences":[{"text":"Does that make sense?","start":730.155,"end":731.215,"sentiment":"neutral","sentiment_score":0.2489204779267311},{"text":"It's a little bit messy.","start":731.515,"end":732.73505,"sentiment":"neutral","sentiment_score":-0.13721453808248044},{"text":"Now okay.","start":735.195,"end":736.075,"sentiment":"neutral","sentiment_score":0.19150188565254211},{"text":"Perfect.","start":736.075,"end":736.575,"sentiment":"positive","sentiment_score":0.3462732434272766},{"text":"So what I will do, though so, normally, what I would do is run through as part of the annual review is run through, like, a risk profile questionnaire to see if we need to make any alterations or changes for your investments.","start":736.875,"end":746.2,"sentiment":"neutral","sentiment_score":0.07909008782616882}],"sentiment":"neutral","sentiment_score":0.08072290931912986,"num_words":55,"start":730.155,"end":746.2},{"sentences":[{"text":"But if you're obviously in the process of of going to self managed super fund, then I won't waste your time doing all of that because that would mean that we're obviously not gonna yeah.","start":746.5,"end":761.415,"sentiment":"neutral","sentiment_score":-0.03677346642528261},{"text":"Yeah.","start":767.97,"end":768.47,"sentiment":"neutral","sentiment_score":-0.06857677549123764},{"text":"Yeah.","start":770.13,"end":770.63,"sentiment":"neutral","sentiment_score":-0.01223110407590866},{"text":"So with the risk profile yeah.","start":770.76996,"end":773.17,"sentiment":"neutral","sentiment_score":-0.007098047528415918},{"text":"No.","start":773.17,"end":773.41,"sentiment":"neutral","sentiment_score":-0.02808155119419098}],"sentiment":"neutral","sentiment_score":-0.03269429638219828,"num_words":44,"start":746.5,"end":773.41},{"sentences":[{"text":"So with the risk profile, it refers back to your risk in your superannuation fund.","start":773.41,"end":778.69,"sentiment":"neutral","sentiment_score":0.009593874720546106},{"text":"So at the moment, obviously, there's different level of risks that you are willing to take for your superannuation, how you feel about market fluctuations.","start":778.69,"end":786.775,"sentiment":"neutral","sentiment_score":-0.01396417424082756},{"text":"Obviously, when you came on board and when you last had your statement of advice with your strategy, it would have kind of gone through a range of multiple toy questions to determine your level of like, how comfortable you are with different market fluctuations, and then a risk profile and an investment portfolio in that wealth was recommended based on that.","start":786.835,"end":809.58496,"sentiment":"neutral","sentiment_score":0.05749187155837013},{"text":"So, typically, during the under review, it's so at the moment, you're in a growth profile, which basically means that, typically speaking, you're looking at getting a growth out of your superannuation.","start":809.725,"end":819.745,"sentiment":"neutral","sentiment_score":0.09712586016394198},{"text":"We have about 80% invested in different growth assets, which which we can go through today, about 20 in defensive.","start":820.7,"end":827.82,"sentiment":"neutral","sentiment_score":0.1236182127147913}],"sentiment":"neutral","sentiment_score":0.058049945330833894,"num_words":154,"start":773.41,"end":827.82},{"sentences":[{"text":"So that's kind of how, obviously, your superannuation investments are managed and structured because you don't have everything in just one option.","start":827.82,"end":834.72003,"sentiment":"neutral","sentiment_score":0.15718046000058},{"text":"There's a range of different options in your network account that we've obviously tailored for you for the investment when you came on board.","start":834.875,"end":842.89496,"sentiment":"neutral","sentiment_score":0.1602963019783298},{"text":"So that's kind of where that comes.","start":843.435,"end":845.435,"sentiment":"neutral","sentiment_score":0.1834304290158408},{"text":"But like I said, I won't waste your time doing that.","start":845.435,"end":847.595,"sentiment":"neutral","sentiment_score":-0.04950298199599439},{"text":"Obviously, if you are, you know, moving, then that that's no point because, otherwise, it would be going through the research, doing new advice, and everything like that.","start":847.595,"end":856.42,"sentiment":"neutral","sentiment_score":-0.035029155823784616}],"sentiment":"neutral","sentiment_score":0.07677983919110494,"num_words":92,"start":827.82,"end":856.42},{"sentences":[{"text":"And if that's not something you're interested in, then, yeah, I won't waste your time doing all of that.","start":856.42,"end":860.76,"sentiment":"neutral","sentiment_score":-0.07359974765169777},{"text":"So, basically, what I will do, though, is I will still send you I have to send you an email with some documents so that you have them, and that is just your annual review documents just to kind of give you a bit of a rundown of what they are.","start":862.155,"end":876.97504,"sentiment":"neutral","sentiment_score":0.07516084958379175},{"text":"Now, Dean, do you have access to your emails at the moment?","start":877.38,"end":881.08,"sentiment":"neutral","sentiment_score":0.012378303489337364},{"text":"No.","start":882.9,"end":883.3,"sentiment":"neutral","sentiment_score":-0.17205436527729034},{"text":"That's okay.","start":883.3,"end":884.12,"sentiment":"neutral","sentiment_score":-0.034980474039912224}],"sentiment":"neutral","sentiment_score":0.027545087669483003,"num_words":85,"start":856.42,"end":884.12},{"sentences":[{"text":"It yeah.","start":884.62,"end":886.28,"sentiment":"neutral","sentiment_score":0.03452587500214577},{"text":"So, basically, when you get the email, we have changed software, so might look a little bit different.","start":886.66003,"end":891.82495,"sentiment":"neutral","sentiment_score":0.03076092805713415},{"text":"Now you will have an email from myself.","start":891.82495,"end":893.685,"sentiment":"neutral","sentiment_score":0.06346485111862421},{"text":"It will say sign now.","start":893.90497,"end":896.145,"sentiment":"neutral","sentiment_score":0.06266374066472054},{"text":"It doesn't mean you have to sign the documents, though, but you will have to just click on the document to open up all the different attachments.","start":896.145,"end":903.285,"sentiment":"neutral","sentiment_score":0.021563214525856352}],"sentiment":"neutral","sentiment_score":0.03376654599172373,"num_words":60,"start":884.62,"end":903.285},{"sentences":[{"text":"It's only at the end.","start":904.03,"end":905.81,"sentiment":"neutral","sentiment_score":0.035525965690612796},{"text":"It will ask you to sign, which, obviously, I understand you don't wanna do given the that will be the ongoing service to say that you wanna stay on.","start":905.87,"end":913.31,"sentiment":"neutral","sentiment_score":0.000869007074627383},{"text":"It still gives you access to all the documents, though, so that you can view it.","start":913.31,"end":917.09,"sentiment":"neutral","sentiment_score":0.16026503732427955},{"text":"Part of the document, and you can download them yourself as well from that email.","start":917.855,"end":922.995,"sentiment":"neutral","sentiment_score":0.16223020156224568},{"text":"So you can download a copy.","start":923.615,"end":925.15497,"sentiment":"neutral","sentiment_score":0.18323571731646857}],"sentiment":"neutral","sentiment_score":0.08873153462166518,"num_words":71,"start":904.03,"end":925.15497},{"sentences":[{"text":"Now part of the document, you will have your child certificate of currency, and that is just breaking down your child insurances so that you can obviously have a think about if the level of insurance is still appropriate for you, if you are happy with what you have, and the premium.","start":925.45496,"end":941.93,"sentiment":"neutral","sentiment_score":0.182813236489892},{"text":"But I'll just quickly run through it with you anyway so that you know what you have, but it's in that email.","start":941.99,"end":956.625,"sentiment":"neutral","sentiment_score":0.07763432711362839},{"text":"It's not overly not overly, but what comes to play is because it's a tailored cover for you.","start":956.685,"end":964.62,"sentiment":"neutral","sentiment_score":0.0070962053206231855},{"text":"So it's not like you're standard.","start":964.62,"end":965.98,"sentiment":"neutral","sentiment_score":-0.06918852900465329},{"text":"Let let's say if you were to go through Australian with Australian Retirement Trust and you just open up an account and you get, like, default insurances, that tends to be cheaper, but it is not tailored to you.","start":965.98,"end":977.52496,"sentiment":"neutral","sentiment_score":-0.032099857448767394}],"sentiment":"neutral","sentiment_score":0.07062006989208451,"num_words":137,"start":925.45496,"end":977.52496},{"sentences":[{"text":"So the difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim.","start":977.665,"end":990.2,"sentiment":"neutral","sentiment_score":-0.03639840252478333},{"text":"So it's a little bit gray.","start":990.82,"end":991.94,"sentiment":"neutral","sentiment_score":-0.22593564788500467},{"text":"So they could go, well, you had a preexisting condition or the contract might change, so they may or may not pay out depending on what it is.","start":991.94,"end":999.38,"sentiment":"neutral","sentiment_score":-0.1689742337912321},{"text":"So it's not as much certainty, which is why it's, like, your default cover.","start":999.38,"end":1004.89496,"sentiment":"neutral","sentiment_score":-0.08654152548738889},{"text":"Right?","start":1004.89496,"end":1005.375,"sentiment":"neutral","sentiment_score":0.01790456846356392}],"sentiment":"neutral","sentiment_score":-0.10262789045381977,"num_words":83,"start":977.665,"end":1005.375},{"sentences":[{"text":"Because it's not like they don't you don't go through, like, a medical questionnaire.","start":1005.375,"end":1008.675,"sentiment":"neutral","sentiment_score":-0.10129295475780964},{"text":"They don't know what you do for work or lifestyle or anything.","start":1008.735,"end":1012.095,"sentiment":"neutral","sentiment_score":-0.09439092377821605},{"text":"It's just it's just, like, the standard default.","start":1012.095,"end":1014.01495,"sentiment":"neutral","sentiment_score":-0.08818442234769464},{"text":"Still something, though, but it's not as tailored.","start":1014.01495,"end":1016.595,"sentiment":"neutral","sentiment_score":-0.1443621627986431},{"text":"Whereas with Tal, I don't know if you remember, but you would have gone through a bit of an application quite extensive.","start":1016.65497,"end":1023.83,"sentiment":"neutral","sentiment_score":-0.011973891407251358}],"sentiment":"neutral","sentiment_score":-0.07304048037622124,"num_words":64,"start":1005.375,"end":1023.83},{"sentences":[{"text":"Yeah.","start":1024.29,"end":1024.79,"sentiment":"neutral","sentiment_score":0.05161485448479653},{"text":"So how that is different is that at the time when your policy was put in force, Tal agreed to a contract with you.","start":1024.93,"end":1033.6749,"sentiment":"neutral","sentiment_score":0.0782990933706363},{"text":"Anything that would have happened after that period of time, like your you changed your occupation to super risky occupation or you had any medical or injuries or anything, you are then covered.","start":1034.135,"end":1045.8099,"sentiment":"neutral","sentiment_score":0.08795550217231114},{"text":"So it gives you that certainty because of it.","start":1045.8099,"end":1048.87,"sentiment":"neutral","sentiment_score":0.2535823964410358},{"text":"There's usually a lot more inclusions with that type of policy as well as a a little bit more benefits.","start":1049.1699,"end":1055.6699,"sentiment":"neutral","sentiment_score":0.08672381024807692}],"sentiment":"neutral","sentiment_score":0.1017246257470942,"num_words":87,"start":1024.29,"end":1055.6699},{"sentences":[{"text":"But then sometimes because of it, it can cost more than your default.","start":1056.13,"end":1059.99,"sentiment":"neutral","sentiment_score":-0.15281129800356352},{"text":"So you kind of yeah.","start":1060.975,"end":1063.0549,"sentiment":"neutral","sentiment_score":-0.01991112269461155},{"text":"So it's kind of the value with the cost, but and they also factor in age.","start":1063.0549,"end":1067.135,"sentiment":"neutral","sentiment_score":-0.11037104902788997},{"text":"So it does get more expensive the older you get.","start":1067.135,"end":1069.455,"sentiment":"neutral","sentiment_score":-0.3020381271839142},{"text":"So probably when you took out the policy, it would have been quite a bit cheaper than what it is now because every single year, it does get more expensive.","start":1069.455,"end":1076.195,"sentiment":"neutral","sentiment_score":-0.24965104833245277}],"sentiment":"neutral","sentiment_score":-0.19408043234835606,"num_words":74,"start":1056.13,"end":1076.195},{"sentences":[{"text":"So right.","start":1078.14,"end":1081.12,"sentiment":"neutral","sentiment_score":-0.008395254611968994},{"text":"Right.","start":1082.38,"end":1082.88,"sentiment":"neutral","sentiment_score":0.16088727116584778},{"text":"Because from the insurer, they would be like, well, the older you get, the higher probability of you needing to claim on it.","start":1083.1,"end":1089.82,"sentiment":"neutral","sentiment_score":-0.11804498051819594},{"text":"So the younger you are, the cheaper it is, and then, obviously, it goes that way.","start":1089.82,"end":1093.985,"sentiment":"neutral","sentiment_score":0.14878497924655676},{"text":"But then at the same time, often, what happens is that when you are younger, you might have more financial responsibilities than you might need more cover.","start":1093.985,"end":1104.145,"sentiment":"neutral","sentiment_score":-0.189406415792527}],"sentiment":"neutral","sentiment_score":-0.07687465722362201,"num_words":69,"start":1078.14,"end":1104.145},{"sentences":[{"text":"And then the older you get, maybe your mortgage decreases or, you know, you don't have as much financial responsibilities of looking after, like, financial dependence as much or for as long, then you tend to need less and less cover the closer you get.","start":1104.145,"end":1121.635,"sentiment":"neutral","sentiment_score":-0.21049176553885143},{"text":"So even though they get more expensive, sometimes it's a matter of they get more expensive, but let's reduce your cover gradually to kind of offset it because you might not need as much.","start":1121.635,"end":1133.235,"sentiment":"neutral","sentiment_score":-0.1307827286860522},{"text":"So So it obviously depends on your goals and stuff.","start":1133.235,"end":1135.5,"sentiment":"neutral","sentiment_score":0.04823018498718738},{"text":"Does that make sense, Dean?","start":1135.5,"end":1136.72,"sentiment":"neutral","sentiment_score":0.10174026638269425},{"text":"Yep.","start":1137.6599,"end":1138.14,"sentiment":"neutral","sentiment_score":0.08110469579696655}],"sentiment":"neutral","sentiment_score":-0.1352277299683345,"num_words":95,"start":1104.145,"end":1138.14},{"sentences":[{"text":"Yep.","start":1138.14,"end":1138.64,"sentiment":"neutral","sentiment_score":0.10879144072532654},{"text":"But, basically, obviously, it's completely up to you.","start":1139.34,"end":1141.82,"sentiment":"neutral","sentiment_score":0.0340663930401206},{"text":"So you have life and TPD at the moment that would pay out 311,716.","start":1141.82,"end":1149.155,"sentiment":"neutral","sentiment_score":0.031081686461610452},{"text":"So that would be if you were to pass away, but then also if you were to become totally and permanently disabled and can never go back to work again.","start":1149.6951,"end":1157.395,"sentiment":"neutral","sentiment_score":-0.09345588063200315},{"text":"Now you also have an income protection policy.","start":1158.51,"end":1161.41,"sentiment":"neutral","sentiment_score":0.07714991830289364}],"sentiment":"neutral","sentiment_score":-0.022459194705378813,"num_words":61,"start":1138.14,"end":1161.41},{"sentences":[{"text":"So income protection will pay you a monthly income replacement if you are temporarily unable to work.","start":1161.55,"end":1170.77,"sentiment":"neutral","sentiment_score":0.04160237706759397},{"text":"Now at the moment, that would pay $3,849 per month.","start":1172.285,"end":1179.985,"sentiment":"neutral","sentiment_score":0.057609567791223525},{"text":"Now you have a four week waiting period, which means that you would have to wait the thirty days before you can start claiming on the policy.","start":1183.005,"end":1192.7001,"sentiment":"neutral","sentiment_score":0.045234337035152644},{"text":"Yep.","start":1194.36,"end":1194.86,"sentiment":"neutral","sentiment_score":0.10790743678808212},{"text":"And the benefit period, so that is how long you could be on claim for, would be five five years.","start":1195.24,"end":1202.2051,"sentiment":"neutral","sentiment_score":0.10526242908090352}],"sentiment":"neutral","sentiment_score":0.06290425608555476,"num_words":75,"start":1161.55,"end":1202.2051},{"sentences":[{"text":"So that's what you currently have.","start":1202.2051,"end":1203.985,"sentiment":"neutral","sentiment_score":0.05622509494423866},{"text":"Yeah.","start":1204.045,"end":1204.545,"sentiment":"neutral","sentiment_score":0.07261493057012558},{"text":"So all those three, because it's structured, that that way, all those three, you do pay about 2,115 from that.","start":1205.3251,"end":1217.28,"sentiment":"neutral","sentiment_score":0.13344508185982704},{"text":"But that's all in the documents so you can have a have a look through it after and decide what you would like to do with those.","start":1217.28,"end":1222.9,"sentiment":"neutral","sentiment_score":0.0505837233806098},{"text":"Yes.","start":1224.16,"end":1224.5599,"sentiment":"neutral","sentiment_score":0.32029783725738525}],"sentiment":"neutral","sentiment_score":0.08663500919938087,"num_words":55,"start":1202.2051,"end":1224.5599},{"sentences":[{"text":"Yep.","start":1224.5599,"end":1225.0599,"sentiment":"neutral","sentiment_score":0.2708895802497864},{"text":"Now with your Netwealth account as well, so part of the document, you would have will see when you have a moment later that it does show you your your current super balance.","start":1225.6,"end":1238.195,"sentiment":"neutral","sentiment_score":0.14590886461012292},{"text":"Now do you have access to Netwealth a lot?","start":1238.335,"end":1241.855,"sentiment":"neutral","sentiment_score":0.04848984277082814},{"text":"Like, do you go in every now and then, like, you have access to your account?","start":1241.855,"end":1245.1901,"sentiment":"neutral","sentiment_score":0.032527947099879384},{"text":"Okay.","start":1245.1901,"end":1245.43,"sentiment":"neutral","sentiment_score":0.253231406211853}],"sentiment":"neutral","sentiment_score":0.10493282095218698,"num_words":60,"start":1224.5599,"end":1245.43},{"sentences":[{"text":"Perfect.","start":1245.43,"end":1245.93,"sentiment":"positive","sentiment_score":0.4721806645393371},{"text":"Yep.","start":1246.87,"end":1247.37,"sentiment":"neutral","sentiment_score":0.10193543881177902},{"text":"So with your Netwealth, you do have, as of yesterday when we prepared the documents, that was $223,320 in there.","start":1247.67,"end":1263.4451,"sentiment":"neutral","sentiment_score":0.11435111835598946},{"text":"Now from that, which will be your second attachment, is showing you a twelve month snapshot.","start":1263.4451,"end":1271.785,"sentiment":"neutral","sentiment_score":0.07773058186285198},{"text":"That shows you all your individual investments.","start":1272.725,"end":1275.83,"sentiment":"neutral","sentiment_score":0.10487848094531468}],"sentiment":"neutral","sentiment_score":0.10753282548652755,"num_words":45,"start":1245.43,"end":1275.83},{"sentences":[{"text":"So when you have a look at it, you will see that you have one, two, three, four, five, six, seven, eight different types of investments that's obviously been tailored and structured for you to give you that diversification.","start":1276.77,"end":1287.9851,"sentiment":"neutral","sentiment_score":0.15507784753273696},{"text":"So you have eight different investments at the moment.","start":1287.9851,"end":1290.645,"sentiment":"neutral","sentiment_score":0.05000536267956098},{"text":"Now the one thing I do wanna mention as well, so when you just with time frame, obviously, because I know with the self managed super fund, you just let us know when you want us to sell.","start":1292.705,"end":1305.0,"sentiment":"neutral","sentiment_score":0.027876089130969423},{"text":"So, basically, obviously, moving to self managed super fund.","start":1305.0,"end":1307.32,"sentiment":"neutral","sentiment_score":0.01347377523779869},{"text":"Are you going which account are you moving through for the administration side of the self managed super fund?","start":1307.32,"end":1315.005,"sentiment":"neutral","sentiment_score":0.013131831233438692}],"sentiment":"neutral","sentiment_score":0.06954512697758905,"num_words":114,"start":1276.77,"end":1315.005},{"sentences":[{"text":"Do you know, like, which platform account?","start":1315.005,"end":1317.665,"sentiment":"neutral","sentiment_score":-0.012539371049829892},{"text":"Mhmm.","start":1318.685,"end":1319.185,"sentiment":"neutral","sentiment_score":0.007183791138231754},{"text":"Do you know which platform that's going to be with or not yet?","start":1319.725,"end":1323.665,"sentiment":"neutral","sentiment_score":-0.019868091106987916},{"text":"So, obviously, it's for the usually, you would have, like, a cash account or something like that, whether that would be with Macquarie.","start":1325.3251,"end":1331.29,"sentiment":"neutral","sentiment_score":-0.007924433514151884},{"text":"It's one of the big ones, or there's a couple of others that run sorry.","start":1331.51,"end":1339.5901,"sentiment":"neutral","sentiment_score":-0.023478966516753037}],"sentiment":"neutral","sentiment_score":-0.014802092528444225,"num_words":59,"start":1315.005,"end":1339.5901},{"sentences":[{"text":"Because with the self funded super fund aid, you won't be able to have it just on, like, a bank account.","start":1339.5901,"end":1344.5651,"sentiment":"neutral","sentiment_score":-0.006688433921053296},{"text":"You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds.","start":1344.5651,"end":1357.11,"sentiment":"neutral","sentiment_score":0.01724406747290721},{"text":"So it wouldn't be a matter of, let's say, you open up a a bank account with Nav, and that's where you can structure everything from.","start":1357.11,"end":1363.43,"sentiment":"neutral","sentiment_score":0.013201660225884272},{"text":"Pass rate.","start":1363.43,"end":1367.03,"sentiment":"neutral","sentiment_score":0.11991948261857033},{"text":"Perfect.","start":1367.03,"end":1367.53,"sentiment":"positive","sentiment_score":0.5031898021697998}],"sentiment":"neutral","sentiment_score":0.018344218095176314,"num_words":76,"start":1339.5901,"end":1367.53},{"sentences":[{"text":"Right.","start":1368.55,"end":1369.05,"sentiment":"neutral","sentiment_score":0.3304685354232788},{"text":"Perfect.","start":1373.035,"end":1373.535,"sentiment":"positive","sentiment_score":0.5806775689125061},{"text":"Okay.","start":1373.995,"end":1374.3151,"sentiment":"neutral","sentiment_score":0.21506233513355255},{"text":"Great.","start":1374.3151,"end":1374.8151,"sentiment":"positive","sentiment_score":0.4252180755138397},{"text":"So let's say for theory that it is a account with Macquarie, for example.","start":1374.875,"end":1380.095,"sentiment":"neutral","sentiment_score":0.12821753323078156}],"sentiment":"neutral","sentiment_score":0.1859151100118955,"num_words":18,"start":1368.55,"end":1380.095},{"sentences":[{"text":"If you then want to move, obviously, all your super, so that 223,000 into the Macquarie account to then obviously have funds and everything available for the property and administration and setting up and everything like that, That process can take a little bit of time because what will happen first is because your money is currently invested in the market, we would have to place a a sell.","start":1380.635,"end":1404.245,"sentiment":"neutral","sentiment_score":0.03264678366806196},{"text":"So you would just let us know when you wanna place a sell on all your investments.","start":1404.625,"end":1410.005,"sentiment":"neutral","sentiment_score":0.02446988466031411},{"text":"Now with the sell, there's obviously transaction fees, and there will be capital gains tax associated with obviously selling investment same as you would with an investment property just so that you obviously are aware.","start":1410.6,"end":1421.9,"sentiment":"neutral","sentiment_score":0.021711336005578882},{"text":"We would place a sell.","start":1422.6,"end":1423.98,"sentiment":"neutral","sentiment_score":0.028563429415225983},{"text":"Correct.","start":1425.025,"end":1425.525,"sentiment":"neutral","sentiment_score":0.03804486244916916}],"sentiment":"neutral","sentiment_score":0.02842027466174941,"num_words":127,"start":1380.635,"end":1425.525},{"sentences":[{"text":"Not on cash, but all your investments.","start":1429.505,"end":1431.285,"sentiment":"neutral","sentiment_score":-0.04284762165376118},{"text":"Yeah.","start":1432.145,"end":1432.645,"sentiment":"neutral","sentiment_score":-0.047495462000370026},{"text":"We would you can you can do straight with Netwealth.","start":1438.72,"end":1445.4401,"sentiment":"neutral","sentiment_score":-0.049051484744995835},{"text":"Usually, it's just part of the service that we would help manage all of that for you.","start":1445.4401,"end":1449.04,"sentiment":"neutral","sentiment_score":0.16176903456011238},{"text":"But if you prefer to go directly to Netwealth and say, hey.","start":1449.04,"end":1452.26,"sentiment":"neutral","sentiment_score":0.150178295870622}],"sentiment":"neutral","sentiment_score":0.0790270101477174,"num_words":47,"start":1429.505,"end":1452.26},{"sentences":[{"text":"I wanna place a seller on my account, and I wanna move over to all of this.","start":1452.345,"end":1457.065,"sentiment":"neutral","sentiment_score":0.2418640624074375},{"text":"That is perfectly fine.","start":1457.065,"end":1458.105,"sentiment":"positive","sentiment_score":0.6367040723562241},{"text":"It's up to you.","start":1458.105,"end":1459.005,"sentiment":"positive","sentiment_score":0.4060247838497162},{"text":"Often, we would just assist with it for you.","start":1459.145,"end":1462.365,"sentiment":"neutral","sentiment_score":0.17966619465086195},{"text":"Yes.","start":1462.905,"end":1463.405,"sentiment":"neutral","sentiment_score":0.1268726885318756}],"sentiment":"neutral","sentiment_score":0.28647065503256663,"num_words":35,"start":1452.345,"end":1463.405},{"sentences":[{"text":"But it's up to you.","start":1464.44,"end":1465.24,"sentiment":"neutral","sentiment_score":0.2073524624109268},{"text":"But if you prefer to go to Netwealth, we would still get notified that you have done it.","start":1465.24,"end":1469.34,"sentiment":"neutral","sentiment_score":-0.02307339131625162},{"text":"Yeah.","start":1469.88,"end":1470.38,"sentiment":"neutral","sentiment_score":-0.05119248852133751},{"text":"No.","start":1474.76,"end":1475.08,"sentiment":"neutral","sentiment_score":-0.2672134339809418},{"text":"We wouldn't we wouldn't charge a fee for it.","start":1475.08,"end":1477.72,"sentiment":"neutral","sentiment_score":-0.24992399579948849}],"sentiment":"neutral","sentiment_score":-0.05724354753928149,"num_words":34,"start":1464.44,"end":1477.72},{"sentences":[{"text":"No.","start":1477.72,"end":1478.22,"sentiment":"neutral","sentiment_score":-0.22724424302577972},{"text":"So because yeah.","start":1478.595,"end":1480.275,"sentiment":"neutral","sentiment_score":-0.13280953715244928},{"text":"So because, obviously, it would we would just help transition you out.","start":1480.275,"end":1485.015,"sentiment":"neutral","sentiment_score":-0.04568379155049721},{"text":"So at the moment, because, obviously, we we didn't do we could I don't think we could get in touch with you.","start":1485.315,"end":1491.875,"sentiment":"neutral","sentiment_score":-0.16235762326554817},{"text":"It was a combination, obviously, where everything went on in Queensland with the storm and everything.","start":1491.875,"end":1496.21,"sentiment":"neutral","sentiment_score":-0.1770139094442129}],"sentiment":"neutral","sentiment_score":-0.14033275214886223,"num_words":54,"start":1477.72,"end":1496.21},{"sentences":[{"text":"We were running a little bit behind with the under review.","start":1496.21,"end":1498.2899,"sentiment":"negative","sentiment_score":-0.35750244422392413},{"text":"So then I think we tried to or you spoke to one of my colleagues last year.","start":1498.2899,"end":1504.7899,"sentiment":"neutral","sentiment_score":-0.0978904739022255},{"text":"But, basically, at the moment, your ongoing service fee, so, obviously, the fee that you would typically pay for our services is off.","start":1505.09,"end":1512.8849,"sentiment":"neutral","sentiment_score":-0.18489510695571484},{"text":"So at the moment, you are not paying for the fee.","start":1512.8849,"end":1515.5449,"sentiment":"neutral","sentiment_score":-0.15494777804071252},{"text":"So Yes.","start":1515.7649,"end":1518.0249,"sentiment":"neutral","sentiment_score":-0.019850976765155792}],"sentiment":"neutral","sentiment_score":-0.1811465611681342,"num_words":64,"start":1496.21,"end":1518.0249},{"sentences":[{"text":"Correct.","start":1520.82,"end":1521.32,"sentiment":"neutral","sentiment_score":-0.11134710907936096},{"text":"Yes.","start":1524.26,"end":1524.76,"sentiment":"neutral","sentiment_score":-0.13766518235206604},{"text":"Yeah.","start":1526.0199,"end":1526.4199,"sentiment":"neutral","sentiment_score":-0.02945738285779953},{"text":"Yep.","start":1526.4199,"end":1526.9199,"sentiment":"neutral","sentiment_score":-0.023966923356056213},{"text":"So we wouldn't charge like, if you if you sorry.","start":1527.7,"end":1530.5,"sentiment":"neutral","sentiment_score":-0.05239329896867275}],"sentiment":"neutral","sentiment_score":-0.05902639909514359,"num_words":14,"start":1520.82,"end":1530.5},{"sentences":[{"text":"I'll refer you back to the case management team after the call today and, obviously, let them know your your process, and they will assist you with the transition.","start":1530.5,"end":1537.935,"sentiment":"neutral","sentiment_score":0.15159219940160884},{"text":"They will we would we won't charge you to be like, well, we are placing a trade with NatWest, so we are charging x amount of money.","start":1538.3151,"end":1543.995,"sentiment":"neutral","sentiment_score":-0.015792227039734524},{"text":"That's not what we do.","start":1543.995,"end":1545.4551,"sentiment":"neutral","sentiment_score":-0.08046751916408539},{"text":"So we won't charge you.","start":1545.675,"end":1547.295,"sentiment":"neutral","sentiment_score":0.07077363282442092},{"text":"But, obviously, within NatWest, it's the same fee whether you would go through us or Nat Wealth.","start":1547.515,"end":1553.0,"sentiment":"neutral","sentiment_score":0.04453584365546703}],"sentiment":"neutral","sentiment_score":0.05636654895202941,"num_words":83,"start":1530.5,"end":1553.0},{"sentences":[{"text":"The choice is completely you because, obviously, it's place a trade on your investment, like, place a sell order because your money is not just sitting in cash at the moment.","start":1553.0,"end":1561.26,"sentiment":"neutral","sentiment_score":0.11223203520621022},{"text":"It is invested in the market.","start":1561.48,"end":1563.34,"sentiment":"neutral","sentiment_score":-0.07182616988817851},{"text":"So that would just be, like, your standard transaction fees, but that would, like, be net wealth fees.","start":1563.48,"end":1569.6549,"sentiment":"neutral","sentiment_score":0.02040068070507712},{"text":"Right?","start":1569.6549,"end":1569.8949,"sentiment":"neutral","sentiment_score":0.06394248455762863},{"text":"So it doesn't matter who you contact.","start":1569.8949,"end":1572.075,"sentiment":"neutral","sentiment_score":0.031787117943167686}],"sentiment":"neutral","sentiment_score":0.058760327538327564,"num_words":63,"start":1553.0,"end":1572.075},{"sentences":[{"text":"And because your money is invested, what the earnings are so whatever you have made from the investment, there can be some capital gains tax that would come out of your super when you sell the investments.","start":1572.9349,"end":1588.65,"sentiment":"neutral","sentiment_score":0.023890137672424316},{"text":"That would all be through network, though.","start":1589.1901,"end":1590.7101,"sentiment":"neutral","sentiment_score":0.016975204327276776},{"text":"It's not something you have to declare or anything like that.","start":1590.7101,"end":1594.3151,"sentiment":"neutral","sentiment_score":-0.0422389891252599},{"text":"But just, obviously, that will be part of a sell down process, which I'm sure your accountant would have touched on with you as well.","start":1594.6951,"end":1600.635,"sentiment":"neutral","sentiment_score":-0.00811541361734271},{"text":"Yep.","start":1601.495,"end":1601.895,"sentiment":"neutral","sentiment_score":0.07273398339748383}],"sentiment":"neutral","sentiment_score":0.005036806009341905,"num_words":81,"start":1572.9349,"end":1601.895},{"sentences":[{"text":"Yep.","start":1601.895,"end":1602.215,"sentiment":"neutral","sentiment_score":0.10692717880010603},{"text":"Perfect.","start":1602.215,"end":1602.715,"sentiment":"neutral","sentiment_score":0.269070029258728},{"text":"So, yeah, with the sell down, because one of your investments is a managed fund, they can take up to about ten business days, sometimes a little bit longer, for everything to be sell down to cash.","start":1604.055,"end":1620.5299,"sentiment":"neutral","sentiment_score":0.029610667075659777},{"text":"So you just let us know or network whatever you prefer when you want that sell down trade to happen just so that allows you enough time for then the funds to be sold down and transferred.","start":1621.915,"end":1634.655,"sentiment":"neutral","sentiment_score":0.0877701997555591},{"text":"Yep.","start":1637.57,"end":1637.89,"sentiment":"neutral","sentiment_score":0.10562404990196228}],"sentiment":"neutral","sentiment_score":0.06265861468462201,"num_words":77,"start":1601.895,"end":1637.89},{"sentences":[{"text":"Makes sense?","start":1637.89,"end":1638.71,"sentiment":"neutral","sentiment_score":0.10178189352154732},{"text":"Yes.","start":1639.97,"end":1640.45,"sentiment":"neutral","sentiment_score":0.09419915080070496},{"text":"Okay.","start":1640.45,"end":1640.85,"sentiment":"neutral","sentiment_score":0.16447123885154724},{"text":"Perfect.","start":1640.85,"end":1641.35,"sentiment":"neutral","sentiment_score":0.24375417828559875},{"text":"Now with your superannuation as well let me see if I can see that here.","start":1641.89,"end":1648.47,"sentiment":"neutral","sentiment_score":0.04398746465643247}],"sentiment":"neutral","sentiment_score":0.06829001624137163,"num_words":20,"start":1637.89,"end":1648.47},{"sentences":[{"text":"With your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that.","start":1649.315,"end":1658.615,"sentiment":"neutral","sentiment_score":-0.09594647685686747},{"text":"So the last twelve months haven't been great with everything that's going on.","start":1660.115,"end":1667.39,"sentiment":"neutral","sentiment_score":-0.1436271145939827},{"text":"The last three months have been a lot better, though.","start":1667.85,"end":1671.13,"sentiment":"neutral","sentiment_score":0.07157499566674233},{"text":"Sorry.","start":1671.13,"end":1671.45,"sentiment":"neutral","sentiment_score":-0.1506199091672897},{"text":"There's obviously been a bit of fluctuations in the market.","start":1671.45,"end":1674.19,"sentiment":"neutral","sentiment_score":-0.14776141121983527}],"sentiment":"neutral","sentiment_score":-0.08840673218946904,"num_words":64,"start":1649.315,"end":1674.19},{"sentences":[{"text":"So when we are looking at a twelve month period, which is the report I have sent to you, now this is the performance report.","start":1674.57,"end":1684.405,"sentiment":"neutral","sentiment_score":0.028718451410531996},{"text":"It's just from your investments.","start":1684.7051,"end":1686.0851,"sentiment":"neutral","sentiment_score":0.07195560932159424},{"text":"It's not talking about how much you have contributed, but, obviously, it's a return on your investment.","start":1686.225,"end":1692.0851,"sentiment":"neutral","sentiment_score":0.0732636401320205},{"text":"So by contributing, you have more money to be invested, so the returns generate from that.","start":1692.145,"end":1696.9401,"sentiment":"neutral","sentiment_score":0.14077959023416042},{"text":"Yep.","start":1697.96,"end":1698.46,"sentiment":"neutral","sentiment_score":0.1062360852956772}],"sentiment":"neutral","sentiment_score":0.07315516786184162,"num_words":64,"start":1674.57,"end":1698.46},{"sentences":[{"text":"So with the investments over the last twelve months now let me just get this up here.","start":1698.76,"end":1704.86,"sentiment":"neutral","sentiment_score":0.04388196503414827},{"text":"With obviously all the fluctuations in the market, it is down by about 0.74%.","start":1705.3201,"end":1712.805,"sentiment":"neutral","sentiment_score":-0.06389346599046673},{"text":"Yep.","start":1714.8651,"end":1715.3651,"sentiment":"neutral","sentiment_score":0.16462314128875732},{"text":"Now that is just return on your investments.","start":1716.0651,"end":1717.9851,"sentiment":"neutral","sentiment_score":0.27590336091816425},{"text":"Now in the last three months, it has come back up a bit, which is great, which is natural part of the market, obviously, with everything, especially the war and everything that's going on.","start":1717.9851,"end":1729.2101,"sentiment":"positive","sentiment_score":0.37586474002284165}],"sentiment":"neutral","sentiment_score":0.2027396766368199,"num_words":74,"start":1698.76,"end":1729.2101},{"sentences":[{"text":"So in the last three months, the good thing is it has started to come back up, which is good.","start":1729.2101,"end":1735.55,"sentiment":"positive","sentiment_score":0.524687121808529},{"text":"Now let me just open this one here for you.","start":1736.085,"end":1738.565,"sentiment":"neutral","sentiment_score":0.1948615461587906},{"text":"So in when we're looking at the last three months, so just looking from the April 7 to, obviously, the July 6, the return on the investments is up by 5.77.","start":1738.565,"end":1752.39,"sentiment":"neutral","sentiment_score":0.1715016756807604},{"text":"So it started to come back around, yeah, which which is good.","start":1752.77,"end":1756.63,"sentiment":"neutral","sentiment_score":0.25677571445703506},{"text":"Now from that so if we are looking at let me see here, the three months, for example, you can then see the return.","start":1757.89,"end":1771.1951,"sentiment":"neutral","sentiment_score":0.09018791327252984}],"sentiment":"neutral","sentiment_score":0.2371621477926515,"num_words":97,"start":1729.2101,"end":1771.1951},{"sentences":[{"text":"So the return isn't your contributions.","start":1771.5751,"end":1773.755,"sentiment":"neutral","sentiment_score":0.07836544948319595},{"text":"It is the return on your investment.","start":1775.015,"end":1777.435,"sentiment":"neutral","sentiment_score":0.07681438699364662},{"text":"That represents about 12,514 in the last three months.","start":1779.0801,"end":1786.54,"sentiment":"neutral","sentiment_score":0.05242287988464037},{"text":"Was that Yeah.","start":1787.9601,"end":1789.5801,"sentiment":"neutral","sentiment_score":0.03712411473194758},{"text":"When we looked at a twelve month period, it was down about 1,316 after fees.","start":1789.64,"end":1797.415,"sentiment":"neutral","sentiment_score":0.009808166263004145}],"sentiment":"neutral","sentiment_score":0.043454854073934256,"num_words":40,"start":1771.5751,"end":1797.415},{"sentences":[{"text":"Yep.","start":1799.3151,"end":1799.8151,"sentiment":"neutral","sentiment_score":0.1956148147583008},{"text":"Exactly.","start":1801.3151,"end":1801.8151,"sentiment":"neutral","sentiment_score":0.19746160507202148},{"text":"So it's come back up, which is which is good as well that if you even, let's say, decided to move three months ago, then you would have obviously missed the little kind of starting to come back around.","start":1801.875,"end":1814.7699,"sentiment":"neutral","sentiment_score":0.08393263711761205},{"text":"Yeah.","start":1815.07,"end":1815.57,"sentiment":"neutral","sentiment_score":0.013122211210429668},{"text":"So the last three months have have started to come back around.","start":1816.6699,"end":1819.8099,"sentiment":"neutral","sentiment_score":-0.025341699831187725}],"sentiment":"neutral","sentiment_score":0.06250872371580314,"num_words":54,"start":1799.3151,"end":1819.8099},{"sentences":[{"text":"Now let me see if I can see here.","start":1821.485,"end":1823.885,"sentiment":"neutral","sentiment_score":0.03136766329407692},{"text":"So that's just a return on your investments, which is obviously separate to your contributions.","start":1823.885,"end":1831.265,"sentiment":"neutral","sentiment_score":0.10583232839902242},{"text":"Now let me see if I can see in your account here how much contributions.","start":1832.0449,"end":1837.8201,"sentiment":"neutral","sentiment_score":0.07402090355753899},{"text":"Because this report that we normally send, we don't factor in contributions.","start":1837.88,"end":1841.42,"sentiment":"neutral","sentiment_score":0.007733794278465211},{"text":"We usually just tell you the return on the investments.","start":1841.48,"end":1843.74,"sentiment":"neutral","sentiment_score":0.03426208533346653}],"sentiment":"neutral","sentiment_score":0.05599235792903871,"num_words":61,"start":1821.485,"end":1843.74},{"sentences":[{"text":"But what I can, yeah, just to kind of give you what's the investment's done, not saying, well, you've made $20,000 and 18 of that from your contributions.","start":1844.12,"end":1853.375,"sentiment":"neutral","sentiment_score":0.08496799393157874},{"text":"No.","start":1853.5149,"end":1853.755,"sentiment":"neutral","sentiment_score":0.028138235211372375},{"text":"We would just tell you what your investments have made irrespective of the contributions to make that kind of more fair comparison to you, which is kind of what you were talking about.","start":1853.755,"end":1864.77,"sentiment":"neutral","sentiment_score":0.09089748200142023},{"text":"Yeah.","start":1864.77,"end":1865.27,"sentiment":"neutral","sentiment_score":0.15266990661621094},{"text":"But what I can do after the call as well when I send you, to case management, that I can even just get a report for you from hub twenty sorry, from Netwealth that shows you how much you actually put in yourself as well so that you can see if that will be good.","start":1866.2899,"end":1881.785,"sentiment":"neutral","sentiment_score":0.20183743373914198}],"sentiment":"neutral","sentiment_score":0.1411914214712836,"num_words":118,"start":1844.12,"end":1881.785},{"sentences":[{"text":"Yeah.","start":1882.485,"end":1882.985,"sentiment":"neutral","sentiment_score":0.03547239303588867},{"text":"Yep.","start":1888.3,"end":1888.8,"sentiment":"neutral","sentiment_score":0.04130220040678978},{"text":"Yep.","start":1891.9,"end":1892.22,"sentiment":"neutral","sentiment_score":0.0396835133433342},{"text":"So because you can even on those reports let me see if I can go back up here.","start":1892.22,"end":1895.9,"sentiment":"neutral","sentiment_score":0.04675086090962092},{"text":"So on the reports, you can even see them.","start":1895.9,"end":1898.88,"sentiment":"neutral","sentiment_score":0.04939214698970318}],"sentiment":"neutral","sentiment_score":0.046750097535550594,"num_words":30,"start":1882.485,"end":1898.88},{"sentences":[{"text":"Sorry.","start":1901.115,"end":1901.355,"sentiment":"neutral","sentiment_score":-0.06778168678283691},{"text":"When I'm looking at the twelve month again, let's say, your starting value, so the 07/07/2025, shows that your super balance was as 218,345.","start":1901.355,"end":1915.75,"sentiment":"neutral","sentiment_score":-0.02030155328490461},{"text":"Now this is all in the documents in your email as well, so you don't have to remember it.","start":1915.75,"end":1920.71,"sentiment":"neutral","sentiment_score":-0.006867907157069759},{"text":"So starting balance was at 218,345.","start":1920.71,"end":1926.49,"sentiment":"neutral","sentiment_score":0.04703062648574511},{"text":"On the July 6, it was 223,152.","start":1927.605,"end":1932.425,"sentiment":"neutral","sentiment_score":0.009912940673530102}],"sentiment":"neutral","sentiment_score":-0.00585850628027529,"num_words":57,"start":1901.115,"end":1932.425},{"sentences":[{"text":"Now return on your investment was negative 1,316.","start":1932.885,"end":1938.185,"sentiment":"neutral","sentiment_score":-0.3008607756346464},{"text":"But, obviously, from $2,218,000 to 223,000, it's gone up.","start":1938.5651,"end":1944.45,"sentiment":"neutral","sentiment_score":-0.2738969607485665},{"text":"That is because your contributions.","start":1944.6699,"end":1946.0499,"sentiment":"neutral","sentiment_score":0.0971313938498497},{"text":"So that is, like, separate.","start":1946.59,"end":1947.97,"sentiment":"neutral","sentiment_score":0.07336566746234893},{"text":"Now looking then at your three months, the starting value on the April 7 was 210,861.","start":1948.9099,"end":1963.695,"sentiment":"neutral","sentiment_score":0.06688742409460247}],"sentiment":"neutral","sentiment_score":-0.06858778511022412,"num_words":43,"start":1932.885,"end":1963.695},{"sentences":[{"text":"At the end, it was 223,152.","start":1964.315,"end":1969.77,"sentiment":"neutral","sentiment_score":0.04930570907890797},{"text":"Out of that, 12,000 was from your investments.","start":1970.39,"end":1975.21,"sentiment":"neutral","sentiment_score":0.06120929913595319},{"text":"The rest was from your contributions.","start":1975.35,"end":1976.97,"sentiment":"neutral","sentiment_score":0.06270927997926871},{"text":"So in that document, you can actually see see the change.","start":1977.75,"end":1981.875,"sentiment":"neutral","sentiment_score":0.1315904286774722},{"text":"So, obviously, take away the return on the investments from that balance, and that gives you how much you've put into super as well.","start":1981.875,"end":1990.055,"sentiment":"neutral","sentiment_score":0.1592345554381609}],"sentiment":"neutral","sentiment_score":0.11692524315281348,"num_words":55,"start":1964.315,"end":1990.055},{"sentences":[{"text":"Yeah.","start":1992.1951,"end":1992.6951,"sentiment":"neutral","sentiment_score":0.19829824566841123},{"text":"Correct.","start":1996.1,"end":1996.6,"sentiment":"neutral","sentiment_score":0.2081933468580246},{"text":"Yes.","start":1996.66,"end":1997.16,"sentiment":"neutral","sentiment_score":0.24332328140735623},{"text":"And your account as well, because sometimes it can be it seems like you're pretty across things, which is great.","start":1997.3,"end":2002.28,"sentiment":"neutral","sentiment_score":0.2634286813437939},{"text":"But sometimes when you first look at it, it can look a little bit messy, but it just gives you all the information.","start":2002.9,"end":2008.555,"sentiment":"neutral","sentiment_score":0.1479236081890438}],"sentiment":"neutral","sentiment_score":0.2026224236773408,"num_words":46,"start":1992.1951,"end":2008.555},{"sentences":[{"text":"So it's called the asset performance detail that shows you all your investments, open value, close value, the income derived from the investment, the return on the investments as well.","start":2009.015,"end":2020.635,"sentiment":"neutral","sentiment_score":0.15664858917395275},{"text":"Yeah.","start":2022.76,"end":2023.26,"sentiment":"neutral","sentiment_score":0.07977825403213501},{"text":"Yes.","start":2024.12,"end":2024.52,"sentiment":"neutral","sentiment_score":0.06041832268238067},{"text":"Sorry.","start":2024.52,"end":2024.84,"sentiment":"neutral","sentiment_score":0.038668036460876465},{"text":"It's all there.","start":2024.84,"end":2025.16,"sentiment":"neutral","sentiment_score":0.11250211546818416}],"sentiment":"neutral","sentiment_score":0.1448841287444035,"num_words":36,"start":2009.015,"end":2025.16},{"sentences":[{"text":"If you do have any questions or you need any other reports, just call the office as well, then we're more than happy to obviously give that to you if if you do need anything else.","start":2025.16,"end":2033.955,"sentiment":"neutral","sentiment_score":0.2365538833869828},{"text":"Yeah.","start":2035.5549,"end":2036.0549,"sentiment":"neutral","sentiment_score":0.059147246181964874},{"text":"Yes.","start":2038.515,"end":2039.015,"sentiment":"neutral","sentiment_score":0.08008554577827454},{"text":"Now, otherwise, part of the document, like I said, it is the ongoing service agreement, which would obviously be if you wanted to stay on.","start":2039.955,"end":2048.13,"sentiment":"neutral","sentiment_score":0.09085174262523651},{"text":"But understand that you're moving to a self managed super fund.","start":2048.21,"end":2051.0298,"sentiment":"neutral","sentiment_score":0.11143785511905496}],"sentiment":"neutral","sentiment_score":0.16422003467340726,"num_words":74,"start":2025.16,"end":2051.0298},{"sentences":[{"text":"There's also a tax fund number opt in form, and that would be, again, if you wanna stay on, it's just a compliance form to say that we're keeping a tax fund number secure and safe on file.","start":2051.5698,"end":2061.225,"sentiment":"neutral","sentiment_score":0.18655865835516075},{"text":"Again, obviously, understand if you're moving through a self managed super fund.","start":2061.385,"end":2064.685,"sentiment":"neutral","sentiment_score":0.08435608105113108},{"text":"The last two documents is one is just a Vanguard index chart.","start":2065.3052,"end":2069.485,"sentiment":"neutral","sentiment_score":0.05161577028532823},{"text":"You probably have seen this before.","start":2069.5452,"end":2071.5452,"sentiment":"neutral","sentiment_score":0.035189900236825146},{"text":"It's just a visual representation of the market, which often I find is quite helpful when we are talking about market fluctuations and risk profiles.","start":2071.5452,"end":2081.76,"sentiment":"neutral","sentiment_score":0.3097545218467712}],"sentiment":"neutral","sentiment_score":0.17931068474326722,"num_words":93,"start":2051.5698,"end":2081.76},{"sentences":[{"text":"But, again, that's just there for for your reference.","start":2081.98,"end":2084.6401,"sentiment":"neutral","sentiment_score":0.14606333689557183},{"text":"And then the last document, it is just an OQ services guide.","start":2085.34,"end":2090.0,"sentiment":"neutral","sentiment_score":0.11278672826786836},{"text":"You would have seen this one a couple of times, but it's just basically everything you need to know about Oakview.","start":2091.575,"end":2096.635,"sentiment":"neutral","sentiment_score":0.12944963042225158},{"text":"Obviously, you're moving through a self managed super fund might not be that applicable anymore, but it's all there for you.","start":2097.095,"end":2103.115,"sentiment":"neutral","sentiment_score":0.0005760080668897856},{"text":"All the team directors, all advisers is in there for you as well.","start":2103.99,"end":2107.51,"sentiment":"neutral","sentiment_score":0.27827800466464114}],"sentiment":"neutral","sentiment_score":0.11863372684456408,"num_words":76,"start":2081.98,"end":2107.51},{"sentences":[{"text":"So if you obviously wanna have a read over it, that is all in that document for you.","start":2107.51,"end":2112.97,"sentiment":"neutral","sentiment_score":0.21587473236852223},{"text":"Yeah.","start":2121.2048,"end":2121.6848,"sentiment":"neutral","sentiment_score":-0.004577213898301125},{"text":"So that yeah.","start":2121.6848,"end":2123.045,"sentiment":"neutral","sentiment_score":0.021845194200674694},{"text":"So they would have obviously done your research and everything to start with and then introduced you to us, and then we would have obviously done the advice and everything like that.","start":2123.045,"end":2133.2,"sentiment":"neutral","sentiment_score":0.11239057360216975},{"text":"So they're kind of like your marketing firm as well to to kind of do all that initial research.","start":2133.2,"end":2140.26,"sentiment":"neutral","sentiment_score":0.1550494961832699}],"sentiment":"neutral","sentiment_score":0.14368688128888607,"num_words":73,"start":2107.51,"end":2140.26},{"sentences":[{"text":"And then you probably transferred over and spoken through I think you've spoken a little bit to the director, Sevvy, and to some of the advices here.","start":2140.6401,"end":2151.0452,"sentiment":"neutral","sentiment_score":0.061360715991920896},{"text":"And then we've obviously been managing things for you moving.","start":2151.3452,"end":2154.3252,"sentiment":"neutral","sentiment_score":0.06030408851802349},{"text":"Yeah.","start":2154.8699,"end":2155.3699,"sentiment":"positive","sentiment_score":0.3353049159049988},{"text":"Well, do you have any questions for me, Dean?","start":2157.2698,"end":2159.6099,"sentiment":"neutral","sentiment_score":0.07355851887000932},{"text":"No?","start":2162.39,"end":2162.89,"sentiment":"neutral","sentiment_score":-0.09747657924890518}],"sentiment":"neutral","sentiment_score":0.0658257338218391,"num_words":48,"start":2140.6401,"end":2162.89},{"sentences":[{"text":"Yes.","start":2165.67,"end":2166.17,"sentiment":"neutral","sentiment_score":0.04245689511299133},{"text":"Yes.","start":2168.725,"end":2169.225,"sentiment":"neutral","sentiment_score":0.06456156820058823},{"text":"Yes.","start":2169.285,"end":2169.785,"sentiment":"neutral","sentiment_score":0.04742647707462311},{"text":"What would it look yeah.","start":2175.045,"end":2177.305,"sentiment":"neutral","sentiment_score":-0.0004405364394187934},{"text":"So correct, so if it was that you if it was that you decide that you don't wanna go to the self managed super fund, I would suggest you calling me as well or calling the office because what I would like to do then for you is go through, especially your investments and go through a new because like you said, it has been a little while since you've had your last advice piece.","start":2177.445,"end":2205.245,"sentiment":"neutral","sentiment_score":0.011613927694658438}],"sentiment":"neutral","sentiment_score":0.01232875705169267,"num_words":83,"start":2165.67,"end":2205.245},{"sentences":[{"text":"And because of that, I would want to make sure that everything is working the right way for you.","start":2205.8901,"end":2211.1902,"sentiment":"neutral","sentiment_score":0.31243791156693507},{"text":"So what I would do, if it is that you decide you don't want to do that, I would say just please let me know Because what I would do or what I would want to do is to go through a more in-depth research process, put together a new proposal for you, and see if we needed to make any changes to your investments to align with everything for you, go through a bit more of a of a fact find with you to make sure, again, that everything is aligned as for your goals and wishes, especially if you feel like that hasn't been set out clearly, then that would be something that I would want to do.","start":2212.53,"end":2247.65,"sentiment":"neutral","sentiment_score":0.05736926030367613},{"text":"I would want to run through, well, what are your goals?","start":2247.65,"end":2249.865,"sentiment":"neutral","sentiment_score":0.1305545297535983},{"text":"What's your objectives?","start":2249.865,"end":2250.765,"sentiment":"neutral","sentiment_score":0.1443663810690244},{"text":"What do you actually want to achieve?","start":2251.785,"end":2253.625,"sentiment":"neutral","sentiment_score":0.1347204585160528}],"sentiment":"neutral","sentiment_score":0.09770546085201204,"num_words":160,"start":2205.8901,"end":2253.625},{"sentences":[{"text":"And does the advice reflect that, or do I need to make any changes with advice to get you there?","start":2253.625,"end":2260.845,"sentiment":"neutral","sentiment_score":-0.036215727031230924},{"text":"So that's what I would want to do.","start":2261.145,"end":2265.0798,"sentiment":"neutral","sentiment_score":0.011404374614357948},{"text":"If you decide that you don't wanna do the self managed Safer Fund and you want to explore this, just let me know because then part of the ongoing so you you could sign the documents if you are happy because that then tells me that you would like to explore things further.","start":2265.0798,"end":2281.935,"sentiment":"neutral","sentiment_score":0.01969856782904211},{"text":"Now with our ongoing service agreement, which is that document it will ask you to sign if you decide that you would like to explore things further, it is your ongoing service agreement.","start":2282.475,"end":2294.68,"sentiment":"neutral","sentiment_score":0.10988890763485071},{"text":"Now with the ongoing service agreement, the fee structure hasn't changed.","start":2294.98,"end":2300.76,"sentiment":"neutral","sentiment_score":0.04619101197882132}],"sentiment":"neutral","sentiment_score":0.036363037079572676,"num_words":125,"start":2253.625,"end":2300.76},{"sentences":[{"text":"If you decide that you would like to stay on board, even if it's just for a while, the fee would stay the same at 1.65 from your super.","start":2301.3,"end":2313.4348,"sentiment":"neutral","sentiment_score":0.08483151590515828},{"text":"Correct.","start":2314.6948,"end":2315.1948,"sentiment":"neutral","sentiment_score":0.13513557612895966},{"text":"On the super.","start":2315.335,"end":2316.315,"sentiment":"neutral","sentiment_score":0.14133458832899728},{"text":"And that would be to obviously manage everything.","start":2316.4548,"end":2318.535,"sentiment":"neutral","sentiment_score":0.20028384495526552},{"text":"Now with the ongoing service agreement, in order for us to charge a fee, you have to sign this every twelve months.","start":2318.535,"end":2324.89,"sentiment":"neutral","sentiment_score":0.09642373127016154}],"sentiment":"neutral","sentiment_score":0.10702930396747967,"num_words":63,"start":2301.3,"end":2324.89},{"sentences":[{"text":"It doesn't mean that you are locked in to a twelve month period because with the fee yeah.","start":2325.3499,"end":2331.51,"sentiment":"neutral","sentiment_score":0.04282358619901869},{"text":"So with the fee structure, we normally show you a yearly, so how much it will be over a twelve month period.","start":2331.51,"end":2340.0051,"sentiment":"neutral","sentiment_score":0.07427115331996571},{"text":"But what actually happens is that it is deducted every month for you.","start":2340.465,"end":2345.685,"sentiment":"neutral","sentiment_score":0.13573282326643282},{"text":"So it's split up and deducted on a monthly basis.","start":2345.985,"end":2349.125,"sentiment":"neutral","sentiment_score":0.15871879532933236},{"text":"It also makes them more fair to you, especially with market fluctuations.","start":2349.23,"end":2353.17,"sentiment":"positive","sentiment_score":0.3387269216279189}],"sentiment":"neutral","sentiment_score":0.1309497018655141,"num_words":75,"start":2325.3499,"end":2353.17},{"sentences":[{"text":"Because if we were to take out, let's say, one lump sum and the market is at a peak at that time, because this is a percentage of your super balance, we would obviously take out a larger amount.","start":2353.7898,"end":2364.21,"sentiment":"neutral","sentiment_score":0.15295938154061636},{"text":"Same time, though, if the market's down.","start":2364.535,"end":2366.475,"sentiment":"neutral","sentiment_score":0.07058652703251157},{"text":"So what we do instead is we just take it out on a monthly basis, but it also gives you the flexibility.","start":2366.855,"end":2373.675,"sentiment":"neutral","sentiment_score":0.25934748487039044},{"text":"So you don't have to commit to a twelve month period if you go, do you know what?","start":2373.975,"end":2379.23,"sentiment":"neutral","sentiment_score":0.18756957807474667},{"text":"I'm happy to give it a couple of months, so I wanna see how things go.","start":2379.37,"end":2383.31,"sentiment":"positive","sentiment_score":0.6028898917138577}],"sentiment":"neutral","sentiment_score":0.24693781283556246,"num_words":102,"start":2353.7898,"end":2383.31},{"sentences":[{"text":"You could just do that, and then you could let us know at any point in time if, let's say, in theory, you go, okay.","start":2383.69,"end":2390.73,"sentiment":"neutral","sentiment_score":0.30850521206855774},{"text":"Well, I wanna see what this is all about, See if there's any changes a bit more consistency with communication and support that you haven't had.","start":2390.73,"end":2398.7651,"sentiment":"neutral","sentiment_score":0.21693471647225893},{"text":"Whether that is you go, okay.","start":2400.025,"end":2401.705,"sentiment":"neutral","sentiment_score":0.12011116494735082},{"text":"Let's see what happens after three months.","start":2401.705,"end":2403.705,"sentiment":"neutral","sentiment_score":0.11981096544436046},{"text":"For example, after three months, even though the fee would be on, if you go, no.","start":2403.705,"end":2408.6099,"sentiment":"neutral","sentiment_score":0.10690743988379836}],"sentiment":"neutral","sentiment_score":0.20778494644910098,"num_words":80,"start":2383.69,"end":2408.6099},{"sentences":[{"text":"I want to leave now, then there's, like, no exit fees.","start":2408.6099,"end":2411.97,"sentiment":"neutral","sentiment_score":0.17395742237567902},{"text":"There's no cancellation.","start":2411.97,"end":2412.8699,"sentiment":"neutral","sentiment_score":0.226960060497125},{"text":"We would just stop that payment.","start":2413.0098,"end":2414.21,"sentiment":"neutral","sentiment_score":0.2357464830080668},{"text":"We would just remove ourselves, then we wouldn't charge you anymore.","start":2414.21,"end":2416.8699,"sentiment":"neutral","sentiment_score":0.2687987265261737},{"text":"So it's not like you have to lock in to a twelve month period.","start":2416.93,"end":2419.91,"sentiment":"neutral","sentiment_score":0.09328858181834221}],"sentiment":"neutral","sentiment_score":0.18381593028704327,"num_words":45,"start":2408.6099,"end":2419.91},{"sentences":[{"text":"Yeah.","start":2424.865,"end":2425.2651,"sentiment":"neutral","sentiment_score":0.011461900547146795},{"text":"Sorry.","start":2425.2651,"end":2425.585,"sentiment":"neutral","sentiment_score":-0.004386266693472862},{"text":"The twelve yeah.","start":2425.585,"end":2428.065,"sentiment":"neutral","sentiment_score":0.0003183223307132721},{"text":"No.","start":2428.065,"end":2428.565,"sentiment":"neutral","sentiment_score":-0.11737328767776488},{"text":"It is a compliance requirement that every twelve months, we you have to agree to a new service agreement, but it does not mean that you are locked in for twelve months.","start":2429.025,"end":2437.15,"sentiment":"neutral","sentiment_score":-0.05289265786996111}],"sentiment":"neutral","sentiment_score":-0.0474186247018607,"num_words":38,"start":2424.865,"end":2437.15},{"sentences":[{"text":"You can cancel.","start":2437.15,"end":2437.97,"sentiment":"neutral","sentiment_score":-0.06649751961231232},{"text":"You could sign the document, and then a month later, you can go, no.","start":2438.1099,"end":2440.67,"sentiment":"neutral","sentiment_score":-0.043535416945815086},{"text":"I don't wanna do this anymore.","start":2440.67,"end":2442.05,"sentiment":"negative","sentiment_score":-0.3339845836162567},{"text":"And it's not like we've taken out twelve months.","start":2442.27,"end":2444.205,"sentiment":"neutral","sentiment_score":-0.048951255778471627},{"text":"So even if you in your network account, you can actually see that if you ever go through your transactions, you can see that the advised fee before, not obviously now because we haven't charged the fee for a while, if you go back more from the start, you would have seen that would have just come out on a monthly basis.","start":2444.2852,"end":2461.77,"sentiment":"neutral","sentiment_score":0.10371819976717234}],"sentiment":"neutral","sentiment_score":0.033798629635984595,"num_words":94,"start":2437.15,"end":2461.77},{"sentences":[{"text":"So you're not gonna have, like, a a big lump sum payment come out aside from that upfront when you when you came on board as a as a client.","start":2461.83,"end":2469.85,"sentiment":"neutral","sentiment_score":0.09158672628303369},{"text":"Yeah.","start":2470.095,"end":2470.595,"sentiment":"neutral","sentiment_score":0.13506758213043213},{"text":"Yeah.","start":2473.695,"end":2474.175,"sentiment":"positive","sentiment_score":0.4136803150177002},{"text":"So I know there's obviously a lot of information.","start":2474.175,"end":2476.595,"sentiment":"neutral","sentiment_score":0.1425969757967525},{"text":"For the time being, obviously, because you are not paying for any fees or anything, I wouldn't your investments or do any advice.","start":2477.615,"end":2486.17,"sentiment":"neutral","sentiment_score":-0.08454843100322329}],"sentiment":"neutral","sentiment_score":0.04117357116774656,"num_words":64,"start":2461.83,"end":2486.17},{"sentences":[{"text":"We can still obviously help transition you out.","start":2486.3098,"end":2489.8298,"sentiment":"neutral","sentiment_score":0.1339104874059558},{"text":"There won't be any fees for that if you decide that you are definitely going down the investment self managed super fund route.","start":2489.8298,"end":2497.13,"sentiment":"neutral","sentiment_score":0.06592316520602806},{"text":"If you decide that you don't want to do that, at least not right now, just let me know.","start":2497.905,"end":2504.145,"sentiment":"neutral","sentiment_score":-0.10875232439292104},{"text":"Just call the office or you can send me an email, and then I would say for you to sign those documents, and then I would go and prepare a new strategy.","start":2504.145,"end":2514.5,"sentiment":"neutral","sentiment_score":0.016914899460971355},{"text":"I'll give you a call first, book you in, and reassess all your goals and everything in a lot more in-depth to make sure everything aligns.","start":2514.5598,"end":2521.54,"sentiment":"neutral","sentiment_score":0.07593556221287984}],"sentiment":"neutral","sentiment_score":0.028118740146358807,"num_words":108,"start":2486.3098,"end":2521.54},{"sentences":[{"text":"And then I would go and prepare a strategy for you to aligning with your goals.","start":2522.575,"end":2528.355,"sentiment":"neutral","sentiment_score":0.22753957472741604},{"text":"And if we wanna make any tweaks and changes, especially to your investments, because, obviously, from when you came on board, a lot of things have happened to the the world and the market.","start":2528.575,"end":2537.7,"sentiment":"neutral","sentiment_score":0.09898657209294684},{"text":"So it is good to be proactive with checking things.","start":2538.0,"end":2541.2798,"sentiment":"positive","sentiment_score":0.5460510820150375},{"text":"And especially if we need to make any changes, then I'd want to assess that for you.","start":2541.2798,"end":2546.3398,"sentiment":"positive","sentiment_score":0.3532303150962381},{"text":"Yeah.","start":2548.095,"end":2548.595,"sentiment":"neutral","sentiment_score":0.19114729762077332}],"sentiment":"neutral","sentiment_score":0.2392660271949493,"num_words":78,"start":2522.575,"end":2548.595},{"sentences":[{"text":"So I will leave that with you, Dean.","start":2549.215,"end":2551.455,"sentiment":"neutral","sentiment_score":0.2216936144977808},{"text":"Like I said, I will get the case management team notified, and then you obviously decide what you want to do.","start":2551.455,"end":2560.435,"sentiment":"neutral","sentiment_score":0.20473612632070268},{"text":"You can obviously decide in your own time.","start":2561.13,"end":2563.45,"sentiment":"neutral","sentiment_score":0.15619021840393543},{"text":"For the time being, though, we won't obviously do any further advice or anything.","start":2563.45,"end":2568.27,"sentiment":"neutral","sentiment_score":0.05957555451563427},{"text":"But just, yeah, let us know how you're going with everything.","start":2569.0498,"end":2572.25,"sentiment":"neutral","sentiment_score":0.24813437783582645}],"sentiment":"neutral","sentiment_score":0.17558169734453963,"num_words":62,"start":2549.215,"end":2572.25},{"sentences":[{"text":"And if it is that you do transition couple it to a self funded super fund for the property, Caden, who will be the the person kind of running that case management department that you would hear from, will then be able to help you transition out, place the salary investments, and everything on your behalf and also kind of assist you with the insurances and what would happen.","start":2572.25,"end":2598.1401,"sentiment":"neutral","sentiment_score":0.31189809350863745},{"text":"But you can also respond to him if you decide that you've changed your mind and you want to stay on for a little bit.","start":2599.72,"end":2607.2349,"sentiment":"neutral","sentiment_score":0.292162806391716},{"text":"You can just let him know, and then he would then book you back in with me to have a further discussion in regards to your goals and everything like that.","start":2607.775,"end":2616.835,"sentiment":"neutral","sentiment_score":0.31206800139719443},{"text":"Yeah.","start":2618.6301,"end":2619.1301,"sentiment":"positive","sentiment_score":0.3486748933792114},{"text":"So, obviously, there was a lot of information.","start":2619.9102,"end":2621.9302,"sentiment":"positive","sentiment_score":0.38750435039401054}],"sentiment":"neutral","sentiment_score":0.313043704117412,"num_words":134,"start":2572.25,"end":2621.9302},{"sentences":[{"text":"Have a look through that email later when you have a moment.","start":2622.79,"end":2626.09,"sentiment":"neutral","sentiment_score":0.31225905070702237},{"text":"Like I said, you'll hear from my colleague, Kaden.","start":2626.6301,"end":2629.2102,"sentiment":"neutral","sentiment_score":0.24545254972245958},{"text":"But if there's anything else that you need from me or us at any point in time, just just let us know.","start":2630.075,"end":2635.835,"sentiment":"neutral","sentiment_score":0.2872896140271967},{"text":"We're always here to help.","start":2635.835,"end":2637.035,"sentiment":"positive","sentiment_score":0.48489529490470884},{"text":"And, again, I am very sorry that you haven't had the best experience up until this point.","start":2637.035,"end":2642.6548,"sentiment":"negative","sentiment_score":-0.46013479066245694}],"sentiment":"neutral","sentiment_score":0.10582673996686935,"num_words":65,"start":2622.79,"end":2642.6548},{"sentences":[{"text":"That's not what I like to hear.","start":2643.27,"end":2645.03,"sentiment":"negative","sentiment_score":-0.5354578239577157},{"text":"That's not obviously how how we want things.","start":2645.03,"end":2647.19,"sentiment":"negative","sentiment_score":-0.5025083236396313},{"text":"So, yeah, if I don't speak from you or if I don't speak to you again, obviously, I wish you all the best for the self managed super fund and the property and everything, and I hope that's, you know, achieving all those goals for you.","start":2647.19,"end":2659.575,"sentiment":"neutral","sentiment_score":0.32501479226503643},{"text":"But if not, I'd be more than happy to explore different advice strategies for you as well.","start":2659.575,"end":2664.935,"sentiment":"neutral","sentiment_score":0.3047935226384331},{"text":"So, obviously, take your time and decide what you would like to do.","start":2664.935,"end":2668.155,"sentiment":"neutral","sentiment_score":0.2361074067079104}],"sentiment":"neutral","sentiment_score":0.16959665120249245,"num_words":91,"start":2643.27,"end":2668.155},{"sentences":[{"text":"Yeah.","start":2669.1099,"end":2669.6099,"sentiment":"neutral","sentiment_score":0.2669191062450409},{"text":"Yes.","start":2672.63,"end":2673.03,"sentiment":"neutral","sentiment_score":0.15824857354164124},{"text":"Yep.","start":2673.03,"end":2673.53,"sentiment":"neutral","sentiment_score":0.1800106018781662},{"text":"Perfect.","start":2673.5898,"end":2674.0898,"sentiment":"positive","sentiment_score":0.6751853823661804},{"text":"Yep.","start":2674.39,"end":2674.89,"sentiment":"positive","sentiment_score":0.4674156904220581}],"sentiment":"positive","sentiment_score":0.34955587089061735,"num_words":5,"start":2669.1099,"end":2674.89},{"sentences":[{"text":"Beautiful.","start":2674.95,"end":2675.45,"sentiment":"positive","sentiment_score":0.8139907121658325},{"text":"Well, do you have any other questions for me before I let you go, Dean?","start":2675.91,"end":2679.53,"sentiment":"neutral","sentiment_score":0.18010952025651933},{"text":"Yeah.","start":2681.685,"end":2682.185,"sentiment":"positive","sentiment_score":0.33807510137557983},{"text":"Yeah.","start":2682.645,"end":2683.0452,"sentiment":"positive","sentiment_score":0.4355773627758026},{"text":"Beautiful.","start":2683.0452,"end":2683.5452,"sentiment":"positive","sentiment_score":0.6596678495407104}],"sentiment":"neutral","sentiment_score":0.26047125419503764,"num_words":19,"start":2674.95,"end":2683.5452},{"sentences":[{"text":"If there's anything you need, though, just call the office as well.","start":2684.165,"end":2686.8052,"sentiment":"neutral","sentiment_score":0.1424665879458189},{"text":"You can always ask for me directly.","start":2686.8052,"end":2688.3452,"sentiment":"neutral","sentiment_score":0.0757712796330452},{"text":"If I'm on the phone, they will they will book you in or give you a callback as soon as I come off the phone if there's anything else I can help you with.","start":2688.5652,"end":2695.77,"sentiment":"neutral","sentiment_score":0.13714798665879405},{"text":"Yep.","start":2697.69,"end":2697.85,"sentiment":"neutral","sentiment_score":0.25075510144233704},{"text":"No worries, Dean.","start":2697.85,"end":2698.81,"sentiment":"neutral","sentiment_score":0.13335169355074564}],"sentiment":"neutral","sentiment_score":0.13252350423288972,"num_words":57,"start":2684.165,"end":2698.81},{"sentences":[{"text":"Well, all the best if I don't hear from you.","start":2698.81,"end":2700.99,"sentiment":"neutral","sentiment_score":-0.008916406333446505},{"text":"No worries.","start":2702.57,"end":2703.21,"sentiment":"neutral","sentiment_score":0.18853162229061127},{"text":"We'll fix him.","start":2703.21,"end":2704.19,"sentiment":"neutral","sentiment_score":0.25109181304772693},{"text":"Bye.","start":2705.69,"end":2706.19,"sentiment":"neutral","sentiment_score":0.20358923077583313}],"sentiment":"neutral","sentiment_score":0.07779774069786072,"num_words":16,"start":2698.81,"end":2706.19}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It's Vegas. Good. Thank you, Veronica. How are you going? That's good. Yes. That's fine. Yep. Yes. That's fine. Yeah. Dean Edward Jessup. What was the second thing? February seventies of the six seventy four and two Barrel Terrace, Mount Cool. Been busy. Yes. Yes. Been a crazy start to the day. That's okay. Just an update. Yeah. And then also see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort of value for service going up this much this year. I'd like to know how much has gone up or down with my contributions that I've made through pay taken out, and I get a real true adjustment of where it's performed. That there and I've also been thinking about the moving to a self managed super. Yes. Yeah. Yeah. So I'm looking at looking into that and trying to lock some stuff in before the with the the LRBA, like, the changes coming from the government. So I understand that's happening pretty quickly. So I've been moving pretty quick with that as well. So I just wanna get your take on that possibly. But other than that, yes, with those couple of things. Yep. Well, it's just mainly getting the property. So I was talking to someone now that they I'm looking to get a investment property, and they've sort of managed about getting property through super as well. So I'm just looking for that. And then, yeah, this we literally just started, like, end of last week and yesterday getting that ball rolling. Yeah. Yeah. The structures that we like to bear trust and that kind of thing. Yes, Sam. Yeah. Yep. Yep. Yep. That's right. Yeah. Yeah. Yeah. Setting up around the $4 mark. I've I've looked at that sort of figure. So I don't know what you guys would do or what sort of account you work. But, yeah, so just sort of getting some details on that now together to try and move on it pretty quickly. Yeah. Yes. Yes. That's right. Yep. Yes. Yes. Yeah. That's why I wanna get it done before the laws change. Just the property. Yep. Yeah. Yep. That's right. Yes. Yes. That's correct. Yeah. Yep. Yeah. No. I've got taken out. So at the moment, I'm with TAL. So the TPD, the I'm all I've got a lot I'm covered with all those things. So the TAL, I'd I'd still do the insurance as well, so I'd maintain those. But I'd be keeping yeah. Yeah. So I'd keep probably about $10 in my existing industry funds. I have, like, an insurance as well for super and then take the cost out of that as well. So I have have the self managed, but then also keep the industry one as well. And then just be transferring from there, yeah, across to that. Netwealth, who I'm with now? Yep. Yep. I haven't thought that far of it. No. Can you can you rephrase that question again? Say that question again for me. Yep. Okay. Yeah. No. So I would find something that's low fees, just low bare minimum. Yep. Absolutely. They probably leave leave Netwealth too. Yep. Yep. Yep. Yes. Absolutely. Well, I mean, as far as I know, like, Oak Oakview hasn't done much for me at all. So I've got I've got no plan there for the past couple of years. I think I've got a a statement like this last year, and that was it. And there's been no money given to you guys. No services provided or shit. I don't think I've ever done it. So I don't I've been there. I'd I'd I'd like to be I'd actually be interested to know how much money I've given you before if at all. That is. Yeah. Yeah. Like, I've I mean, my my last my last year's call with net with Oakview was just a snapshot of a printout document for my super. So, you know, there's not much value with o q at all, really. Yeah. Oh, that's okay. That's yeah. Right. Yep. Yeah. Yes. No. Yes. That's yep. Yeah. Yep. Yep. Yep. Yes. Okay. That's right. Yep. Yep. Yes. Exactly. Yes. Yep. Yep. Yep. Yep. Okay. Yep. Yes. Yep. Okay. Great. Yes. Yeah. Yep. Yeah. That's okay. No. Yeah. I don't have any investments. No. I don't have any investments except for this gold. There's no that's what I wanna get the property. So yeah. There's no I'd say there's nothing really to financial plan about because there's no I don't have a plan. I don't have a goal. I don't have anything. So there's nothing really there to review. So, yep. But anyway, we'll we'll keep going. K. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. No. No. Yep. No. No. Yes. Okay. Yep. Not right now. No. I do I do what I get back in the office. I do. Yes. Yes. Okay. Yep. Yes. Okay. Yep. Yes. Yep. Yes. Yep. Yes. I because I just looked at this the other week then. I mean, it is quite, like, over $2 for the insurance. I don't know. Is that in your interest in your experience, is that high for insurance? Two over $2,000 a year? No? Yep. Yep. Right. Okay. No. Okay. Yes. Yeah. Okay. Yep. Okay. Yeah. Yeah. Understandable. Yeah. Yep. That's like life, isn't it, really? And cost of living. Everything's going up. Everything's going up. Yeah. Yep. Yeah. Yep. Okay. Yep. Right. Yes. Yeah. Yep. Yep. No. That's all good. Yep. Yep. Yes. Yep. Okay. Yeah. Yeah. Five years. Okay. Yeah. Yeah. Okay. Yes. Yeah. Cool. Yeah. I Yes. Yes. Yep. Yep. Yep. Great. Okay. Yep. Yes. Okay. Yep. Yes. Yep. I Yep. I have I've gotta set up a new account. Yep. As in platform as in what do you mean? That's yeah. So you mean what what what bank am I going to? No. Yeah. Well, that's why I've got, like, my accountant who's helping me with this. So one part yeah. Yeah. So that's yeah. So they're doing it up and that's through, you know, that yeah. So that's that's all sorted. Yeah. Yep. Yes. That's yes. Yes. So Capital Gains takes in the super even though on cash. No. Right. And so why would like, if my super's with Netwealth, then why do I have to tell you Oakview to do this? Why is the instruction going to Oakview and not just going through to my super company? Oh, okay. Oh, okay. So that's right. Oh, okay. Okay. Alright. Right. Yep. No. But I mean I mean yeah. There would be a fee obviously at charge. Not just the goodness of your heart, is it? But you're a business at the end of the day. So you wanna get yeah. Right. Yep. Yep. That's yes. That's that's yeah. And as I said, I I think that was stopped last year because I couldn't I wasn't seeing any value or anything there. Like, I had no plans or guidance. So yeah. There was nothing. Yep. Yes. Yes. Okay. Right. Okay. Yep. Yep. No. Yeah. Okay. Okay. Yep. No. Yes. Yes. Yes. Yes. That's correct. Yeah. Yep. Cool. Yes. Yep. Yeah. Yep. Yes. Okay. Yeah. Yep. Oh, that's good. Yep. Okay. Right. Okay. Yep. Yep. Okay. Yep. Well, good thing about these last three months. Yep. At a loss. Yeah. Yes. Yep. Yeah. Okay. Yes. Yes. Yeah. Yep. Understand that. Yes. Yep. Yes. And then that's right. Yeah. Yeah. I mean, it it is not what you're saying. So I just got a year, a year on year, but I just wanna see separate what I've been putting into it and what that's been generated. Yeah. Just to know. Yep. Yep. Oh, okay. Great. So I was gonna talk to you. Yep. No. Okay. Good. Okay. Yes. Right. Yes. Yep. Okay. Okay. Good. That's good. Sorry. Yeah. Well, it's all skipped out in that document, which would be good. Yeah. Yeah. Nice. Speaking while reading this afternoon. No. If I'd okay. Yeah. Great. No. That should be the detail I'm after anyway. Good. Yep. Yep. Yep. Okay. Yep. Yeah. Yeah. Yep. Because I remember I think I I think I joined Oakview through a a company called LGT or something, called a g a t. Someone. I can't really remember. Yep. Okay. Yep. Okay. Yeah. Good. Okay. No. No. So as long as those things are, like, in the I'll see the documents there and all the your information there as well and the services fees, like, if I was to stay, you know, what what you do and all that sort of thing as well. So what it'll cost and that thing. Yeah. Yeah. Yep. Yep. Yep. Yes. Yes. Okay. Yep. Yes. Yep. Yep. Yes. Okay. Yep. Okay. Yep. Yep. Yep. Yep. That's one point six of the super. Okay. Yep. Yep. Oh, okay. Yep. Okay. Yep. Yes. Okay. Exactly. Yes. Yep. Yeah. Yep. Right. Okay. Alright. Yeah. I can see. K. Yep. Right. Okay. Cool. Good. Good. That's good. Yeah. Yep. Yep. Yeah. Okay. Alright. Cool. Yes. Yes. I understand. Yep. Yep. No. Yeah. Yep. Yep. Yep. Okay. Good. Cool. Yeah. Yeah. I Cool. And I'll respond to your email too that you sent through. Yeah. Excellent. No. No. That's it. No. That's been good, actually. Yeah. Yeah. Okay. Thank you so much. Okay. Thank you. 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Yes. It's Vegas. Good. Thank you, Veronica.\n\nHow are you going? That's good. Yes. That's fine. Yep.\n\nYes. That's fine. Yeah. Dean Edward Jessup. What was the second thing?\n\nFebruary seventies of the six seventy four and two Barrel Terrace, Mount Cool. Been busy. Yes. Yes. Been a crazy start to the day.\n\nThat's okay. Just an update. Yeah. And then also see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort of value for service going up this much this year. I'd like to know how much has gone up or down with my contributions that I've made through pay taken out, and I get a real true adjustment of where it's performed.\n\nThat there and I've also been thinking about the moving to a self managed super. Yes. Yeah. Yeah. So I'm looking at looking into that and trying to lock some stuff in before the with the the LRBA, like, the changes coming from the government.\n\nSo I understand that's happening pretty quickly. So I've been moving pretty quick with that as well. So I just wanna get your take on that possibly. But other than that, yes, with those couple of things. Yep.\n\nWell, it's just mainly getting the property. So I was talking to someone now that they I'm looking to get a investment property, and they've sort of managed about getting property through super as well. So I'm just looking for that. And then, yeah, this we literally just started, like, end of last week and yesterday getting that ball rolling. Yeah.\n\nYeah. The structures that we like to bear trust and that kind of thing. Yes, Sam. Yeah. Yep.\n\nYep. Yep. That's right. Yeah. Yeah.\n\nYeah. Setting up around the $4 mark. I've I've looked at that sort of figure. So I don't know what you guys would do or what sort of account you work. But, yeah, so just sort of getting some details on that now together to try and move on it pretty quickly.\n\nYeah. Yes. Yes. That's right. Yep.\n\nYes. Yes. Yeah. That's why I wanna get it done before the laws change. Just the property.\n\nYep. Yeah. Yep. That's right. Yes.\n\nYes. That's correct. Yeah. Yep. Yeah.\n\nNo. I've got taken out. So at the moment, I'm with TAL. So the TPD, the I'm all I've got a lot I'm covered with all those things. So the TAL, I'd I'd still do the insurance as well, so I'd maintain those.\n\nBut I'd be keeping yeah. Yeah. So I'd keep probably about $10 in my existing industry funds. I have, like, an insurance as well for super and then take the cost out of that as well. So I have have the self managed, but then also keep the industry one as well.\n\nAnd then just be transferring from there, yeah, across to that. Netwealth, who I'm with now? Yep. Yep. I haven't thought that far of it.\n\nNo. Can you can you rephrase that question again? Say that question again for me. Yep. Okay.\n\nYeah. No. So I would find something that's low fees, just low bare minimum. Yep. Absolutely.\n\nThey probably leave leave Netwealth too. Yep. Yep. Yep. Yes.\n\nAbsolutely. Well, I mean, as far as I know, like, Oak Oakview hasn't done much for me at all. So I've got I've got no plan there for the past couple of years. I think I've got a a statement like this last year, and that was it. And there's been no money given to you guys.\n\nNo services provided or shit. I don't think I've ever done it. So I don't I've been there. I'd I'd I'd like to be I'd actually be interested to know how much money I've given you before if at all. That is.\n\nYeah. Yeah. Like, I've I mean, my my last my last year's call with net with Oakview was just a snapshot of a printout document for my super. So, you know, there's not much value with o q at all, really. Yeah.\n\nOh, that's okay. That's yeah. Right. Yep. Yeah.\n\nYes. No. Yes. That's yep. Yeah.\n\nYep. Yep. Yep. Yes. Okay.\n\nThat's right. Yep. Yep. Yes. Exactly.\n\nYes. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yes. Yep. Okay.\n\nGreat. Yes. Yeah. Yep. Yeah.\n\nThat's okay. No. Yeah. I don't have any investments. No.\n\nI don't have any investments except for this gold. There's no that's what I wanna get the property. So yeah. There's no I'd say there's nothing really to financial plan about because there's no I don't have a plan. I don't have a goal.\n\nI don't have anything. So there's nothing really there to review. So, yep. But anyway, we'll we'll keep going. K.\n\nOkay. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. No.\n\nNo. Yep. No. No. Yes.\n\nOkay. Yep. Not right now. No. I do I do what I get back in the office.\n\nI do. Yes. Yes. Okay. Yep.\n\nYes. Okay. Yep. Yes. Yep.\n\nYes. Yep. Yes. I because I just looked at this the other week then. I mean, it is quite, like, over $2 for the insurance.\n\nI don't know. Is that in your interest in your experience, is that high for insurance? Two over $2,000 a year? No? Yep.\n\nYep. Right. Okay. No. Okay.\n\nYes. Yeah. Okay. Yep. Okay.\n\nYeah. Yeah. Understandable. Yeah. Yep.\n\nThat's like life, isn't it, really? And cost of living. Everything's going up. Everything's going up. Yeah.\n\nYep. Yeah. Yep. Okay. Yep.\n\nRight. Yes. Yeah. Yep. Yep.\n\nNo. That's all good. Yep. Yep. Yes.\n\nYep. Okay. Yeah. Yeah. Five years.\n\nOkay. Yeah. Yeah. Okay. Yes.\n\nYeah. Cool. Yeah. I Yes. Yes.\n\nYep. Yep. Yep. Great. Okay.\n\nYep. Yes. Okay. Yep. Yes.\n\nYep. I Yep. I have I've gotta set up a new account. Yep. As in platform as in what do you mean?\n\nThat's yeah. So you mean what what what bank am I going to? No. Yeah. Well, that's why I've got, like, my accountant who's helping me with this.\n\nSo one part yeah. Yeah. So that's yeah. So they're doing it up and that's through, you know, that yeah. So that's that's all sorted.\n\nYeah. Yep. Yes. That's yes. Yes.\n\nSo Capital Gains takes in the super even though on cash. No. Right. And so why would like, if my super's with Netwealth, then why do I have to tell you Oakview to do this? Why is the instruction going to Oakview and not just going through to my super company?\n\nOh, okay. Oh, okay. So that's right. Oh, okay. Okay.\n\nAlright. Right. Yep. No. But I mean I mean yeah.\n\nThere would be a fee obviously at charge. Not just the goodness of your heart, is it? But you're a business at the end of the day. So you wanna get yeah. Right.\n\nYep. Yep. That's yes. That's that's yeah. And as I said, I I think that was stopped last year because I couldn't I wasn't seeing any value or anything there.\n\nLike, I had no plans or guidance. So yeah. There was nothing. Yep. Yes.\n\nYes. Okay. Right. Okay. Yep.\n\nYep. No. Yeah. Okay. Okay.\n\nYep. No. Yes. Yes. Yes.\n\nYes. That's correct. Yeah. Yep. Cool.\n\nYes. Yep. Yeah. Yep. Yes.\n\nOkay. Yeah. Yep. Oh, that's good. Yep.\n\nOkay. Right. Okay. Yep. Yep.\n\nOkay. Yep. Well, good thing about these last three months. Yep. At a loss.\n\nYeah. Yes. Yep. Yeah. Okay.\n\nYes. Yes. Yeah. Yep. Understand that.\n\nYes. Yep. Yes. And then that's right. Yeah.\n\nYeah. I mean, it it is not what you're saying. So I just got a year, a year on year, but I just wanna see separate what I've been putting into it and what that's been generated. Yeah. Just to know.\n\nYep. Yep. Oh, okay. Great. So I was gonna talk to you.\n\nYep. No. Okay. Good. Okay.\n\nYes. Right. Yes. Yep. Okay.\n\nOkay. Good. That's good. Sorry. Yeah.\n\nWell, it's all skipped out in that document, which would be good. Yeah. Yeah. Nice. Speaking while reading this afternoon.\n\nNo. If I'd okay. Yeah. Great. No.\n\nThat should be the detail I'm after anyway. Good. Yep. Yep. Yep.\n\nOkay. Yep. Yeah. Yeah. Yep.\n\nBecause I remember I think I I think I joined Oakview through a a company called LGT or something, called a g a t. Someone. I can't really remember. Yep. Okay.\n\nYep. Okay. Yeah. Good. Okay.\n\nNo. No. So as long as those things are, like, in the I'll see the documents there and all the your information there as well and the services fees, like, if I was to stay, you know, what what you do and all that sort of thing as well. So what it'll cost and that thing. Yeah.\n\nYeah. Yep. Yep. Yep. Yes.\n\nYes. Okay. Yep. Yes. Yep.\n\nYep. Yes. Okay. Yep. Okay.\n\nYep. Yep. Yep. Yep. That's one point six of the super.\n\nOkay. Yep. Yep. Oh, okay. Yep.\n\nOkay. Yep. Yes. Okay. Exactly.\n\nYes. Yep. Yeah. Yep. Right.\n\nOkay. Alright. Yeah. I can see. K.\n\nYep. Right. Okay. Cool. Good.\n\nGood. That's good. Yeah. Yep. Yep.\n\nYeah. Okay. Alright. Cool. Yes.\n\nYes. I understand. Yep. Yep. No.\n\nYeah. Yep. Yep. Yep. Okay.\n\nGood. Cool. Yeah. Yeah. I Cool.\n\nAnd I'll respond to your email too that you sent through. Yeah. Excellent. No. No.\n\nThat's it. No. That's been good, actually. Yeah. Yeah.\n\nOkay. Thank you so much. Okay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.04051985591650009},{"text":"Yes.","start":7.12,"end":7.52,"sentiment":"neutral","sentiment_score":0.2739955186843872},{"text":"It's Vegas.","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.19181255251169205},{"text":"Good.","start":12.925,"end":13.085,"sentiment":"positive","sentiment_score":0.5404222011566162},{"text":"Thank you, Veronica.","start":13.085,"end":13.885,"sentiment":"positive","sentiment_score":0.6282050609588623}],"sentiment":"positive","sentiment_score":0.3903972329571843,"num_words":8,"start":3.12,"end":13.885},{"sentences":[{"text":"How are you going?","start":13.885,"end":14.705,"sentiment":"positive","sentiment_score":0.3920738697052002},{"text":"That's good.","start":17.085,"end":17.985,"sentiment":"positive","sentiment_score":0.7161843180656433},{"text":"Yes.","start":23.244999,"end":23.565,"sentiment":"neutral","sentiment_score":0.17539358139038086},{"text":"That's fine.","start":23.565,"end":24.125,"sentiment":"neutral","sentiment_score":0.22462306916713715},{"text":"Yep.","start":24.125,"end":24.625,"sentiment":"neutral","sentiment_score":0.17070548236370087}],"sentiment":"positive","sentiment_score":0.37960093170404435,"num_words":10,"start":13.885,"end":24.625},{"sentences":[{"text":"Yes.","start":34.989998,"end":35.309998,"sentiment":"neutral","sentiment_score":0.11054392904043198},{"text":"That's fine.","start":35.309998,"end":36.05,"sentiment":"neutral","sentiment_score":0.15395335108041763},{"text":"Yeah.","start":47.365,"end":47.765,"sentiment":"neutral","sentiment_score":0.017514359205961227},{"text":"Dean Edward Jessup.","start":47.765,"end":48.985,"sentiment":"neutral","sentiment_score":0.012669907882809639},{"text":"What was the second thing?","start":50.725002,"end":52.025,"sentiment":"neutral","sentiment_score":0.012638826109468936}],"sentiment":"neutral","sentiment_score":0.04476407038358351,"num_words":12,"start":34.989998,"end":52.025},{"sentences":[{"text":"February seventies of the six seventy four and two Barrel Terrace, Mount Cool.","start":53.78,"end":58.199997,"sentiment":"neutral","sentiment_score":0.059812274689857774},{"text":"Been busy.","start":61.46,"end":62.019997,"sentiment":"neutral","sentiment_score":0.00939901266247034},{"text":"Yes.","start":62.019997,"end":62.42,"sentiment":"neutral","sentiment_score":0.05808974429965019},{"text":"Yes.","start":62.42,"end":62.82,"sentiment":"neutral","sentiment_score":0.07913615554571152},{"text":"Been a crazy start to the day.","start":62.82,"end":64.68,"sentiment":"neutral","sentiment_score":0.08252871249403272}],"sentiment":"neutral","sentiment_score":0.06297018681652844,"num_words":24,"start":53.78,"end":64.68},{"sentences":[{"text":"That's okay.","start":68.715004,"end":69.455,"sentiment":"neutral","sentiment_score":0.09074224531650543},{"text":"Just an update.","start":84.51,"end":85.47,"sentiment":"neutral","sentiment_score":0.02083566536506017},{"text":"Yeah.","start":85.47,"end":85.79,"sentiment":"neutral","sentiment_score":0.03410249203443527},{"text":"And then also see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort of value for service going up this much this year.","start":85.79,"end":100.575,"sentiment":"neutral","sentiment_score":0.02985183670161626},{"text":"I'd like to know how much has gone up or down with my contributions that I've made through pay taken out, and I get a real true adjustment of where it's performed.","start":100.715004,"end":110.65,"sentiment":"neutral","sentiment_score":0.07232737680897117}],"sentiment":"neutral","sentiment_score":0.048789502181983614,"num_words":77,"start":68.715004,"end":110.65},{"sentences":[{"text":"That there and I've also been thinking about the moving to a self managed super.","start":112.55,"end":120.490005,"sentiment":"neutral","sentiment_score":0.02967951421936353},{"text":"Yes.","start":126.935005,"end":127.33501,"sentiment":"neutral","sentiment_score":0.02595914527773857},{"text":"Yeah.","start":127.33501,"end":127.575005,"sentiment":"neutral","sentiment_score":0.03034333884716034},{"text":"Yeah.","start":127.575005,"end":127.815,"sentiment":"neutral","sentiment_score":-0.005193799734115601},{"text":"So I'm looking at looking into that and trying to lock some stuff in before the with the the LRBA, like, the changes coming from the government.","start":127.815,"end":136.63501,"sentiment":"neutral","sentiment_score":0.005406245313308857}],"sentiment":"neutral","sentiment_score":0.014272667136457232,"num_words":45,"start":112.55,"end":136.63501},{"sentences":[{"text":"So I understand that's happening pretty quickly.","start":137.07,"end":139.15001,"sentiment":"neutral","sentiment_score":0.07947542199066707},{"text":"So I've been moving pretty quick with that as well.","start":139.15001,"end":142.93001,"sentiment":"neutral","sentiment_score":0.22763752639293672},{"text":"So I just wanna get your take on that possibly.","start":144.11,"end":147.79001,"sentiment":"neutral","sentiment_score":0.04962017871439457},{"text":"But other than that, yes, with those couple of things.","start":147.79001,"end":150.21,"sentiment":"neutral","sentiment_score":0.03851124458014965},{"text":"Yep.","start":156.795,"end":157.295,"sentiment":"neutral","sentiment_score":0.14803697168827057}],"sentiment":"neutral","sentiment_score":0.10163301111836183,"num_words":38,"start":137.07,"end":157.295},{"sentences":[{"text":"Well, it's just mainly getting the property.","start":171.81001,"end":173.49,"sentiment":"neutral","sentiment_score":0.04113851806947163},{"text":"So I was talking to someone now that they I'm looking to get a investment property, and they've sort of managed about getting property through super as well.","start":173.49,"end":182.875,"sentiment":"neutral","sentiment_score":0.06539103894361428},{"text":"So I'm just looking for that.","start":184.055,"end":185.575,"sentiment":"neutral","sentiment_score":0.05007348954677582},{"text":"And then, yeah, this we literally just started, like, end of last week and yesterday getting that ball rolling.","start":185.575,"end":192.45499,"sentiment":"neutral","sentiment_score":0.08270098955223434},{"text":"Yeah.","start":192.45499,"end":192.95499,"sentiment":"neutral","sentiment_score":0.1765705645084381}],"sentiment":"neutral","sentiment_score":0.06831555770801716,"num_words":61,"start":171.81001,"end":192.95499},{"sentences":[{"text":"Yeah.","start":204.85999,"end":205.18,"sentiment":"neutral","sentiment_score":0.039643339812755585},{"text":"The structures that we like to bear trust and that kind of thing.","start":205.18,"end":207.81999,"sentiment":"neutral","sentiment_score":0.0458263628757917},{"text":"Yes, Sam.","start":207.81999,"end":208.29999,"sentiment":"neutral","sentiment_score":0.0628939401358366},{"text":"Yeah.","start":208.29999,"end":208.54,"sentiment":"neutral","sentiment_score":0.08111831545829773},{"text":"Yep.","start":208.54,"end":208.78,"sentiment":"neutral","sentiment_score":0.08791660517454147}],"sentiment":"neutral","sentiment_score":0.05167826989458667,"num_words":18,"start":204.85999,"end":208.78},{"sentences":[{"text":"Yep.","start":208.78,"end":209.28,"sentiment":"neutral","sentiment_score":0.24590638279914856},{"text":"Yep.","start":210.41501,"end":210.91501,"sentiment":"neutral","sentiment_score":0.3064415752887726},{"text":"That's right.","start":212.255,"end":212.975,"sentiment":"neutral","sentiment_score":0.1090775728225708},{"text":"Yeah.","start":212.975,"end":213.375,"sentiment":"neutral","sentiment_score":0.042650654911994934},{"text":"Yeah.","start":213.375,"end":213.535,"sentiment":"neutral","sentiment_score":0.02939236536622047}],"sentiment":"neutral","sentiment_score":0.1404243540018797,"num_words":6,"start":208.78,"end":213.535},{"sentences":[{"text":"Yeah.","start":213.535,"end":213.85501,"sentiment":"neutral","sentiment_score":0.053893618285655975},{"text":"Setting up around the $4 mark.","start":213.85501,"end":215.875,"sentiment":"neutral","sentiment_score":0.042532929529746376},{"text":"I've I've looked at that sort of figure.","start":216.815,"end":219.455,"sentiment":"neutral","sentiment_score":0.004264440154656768},{"text":"So I don't know what you guys would do or what sort of account you work.","start":219.455,"end":222.015,"sentiment":"neutral","sentiment_score":-0.004887897754088044},{"text":"But, yeah, so just sort of getting some details on that now together to try and move on it pretty quickly.","start":222.015,"end":227.71,"sentiment":"neutral","sentiment_score":0.11302674703654789}],"sentiment":"neutral","sentiment_score":0.05074157770006703,"num_words":52,"start":213.535,"end":227.71},{"sentences":[{"text":"Yeah.","start":227.71,"end":228.21,"sentiment":"neutral","sentiment_score":0.05852489545941353},{"text":"Yes.","start":245.945,"end":246.445,"sentiment":"neutral","sentiment_score":0.05902311950922012},{"text":"Yes.","start":249.145,"end":249.645,"sentiment":"neutral","sentiment_score":0.07460424304008484},{"text":"That's right.","start":252.38,"end":253.2,"sentiment":"neutral","sentiment_score":0.2153797298669815},{"text":"Yep.","start":257.34,"end":257.84,"sentiment":"neutral","sentiment_score":0.1203203797340393}],"sentiment":"neutral","sentiment_score":0.12387201624612014,"num_words":6,"start":227.71,"end":257.84},{"sentences":[{"text":"Yes.","start":263.535,"end":264.035,"sentiment":"neutral","sentiment_score":0.04266860336065293},{"text":"Yes.","start":264.17502,"end":264.575,"sentiment":"neutral","sentiment_score":0.06584101170301437},{"text":"Yeah.","start":264.575,"end":264.815,"sentiment":"neutral","sentiment_score":0.10442955791950226},{"text":"That's why I wanna get it done before the laws change.","start":264.815,"end":267.475,"sentiment":"neutral","sentiment_score":0.08351795714009892},{"text":"Just the property.","start":278.52,"end":279.32,"sentiment":"neutral","sentiment_score":0.015287122999628385}],"sentiment":"neutral","sentiment_score":0.06926459238371428,"num_words":17,"start":263.535,"end":279.32},{"sentences":[{"text":"Yep.","start":279.32,"end":279.82,"sentiment":"neutral","sentiment_score":0.034444697201251984},{"text":"Yeah.","start":298.185,"end":298.685,"sentiment":"neutral","sentiment_score":0.026710348203778267},{"text":"Yep.","start":310.78998,"end":311.28998,"sentiment":"neutral","sentiment_score":0.038592029362916946},{"text":"That's right.","start":315.59,"end":316.15,"sentiment":"neutral","sentiment_score":0.010342774912714958},{"text":"Yes.","start":316.15,"end":316.65,"sentiment":"neutral","sentiment_score":0.0069458987563848495}],"sentiment":"neutral","sentiment_score":0.021229753891626995,"num_words":6,"start":279.32,"end":316.65},{"sentences":[{"text":"Yes.","start":340.21,"end":340.53,"sentiment":"neutral","sentiment_score":0.044024236500263214},{"text":"That's correct.","start":340.53,"end":341.16998,"sentiment":"neutral","sentiment_score":0.06768601387739182},{"text":"Yeah.","start":341.16998,"end":341.66998,"sentiment":"neutral","sentiment_score":0.041423216462135315},{"text":"Yep.","start":343.25,"end":343.75,"sentiment":"neutral","sentiment_score":0.023332729935646057},{"text":"Yeah.","start":348.785,"end":349.025,"sentiment":"neutral","sentiment_score":-0.047422416508197784}],"sentiment":"neutral","sentiment_score":0.03278829902410507,"num_words":6,"start":340.21,"end":349.025},{"sentences":[{"text":"No.","start":349.025,"end":349.345,"sentiment":"neutral","sentiment_score":-0.27866634726524353},{"text":"I've got taken out.","start":349.345,"end":349.985,"sentiment":"neutral","sentiment_score":-0.25970538705587387},{"text":"So at the moment, I'm with TAL.","start":349.985,"end":351.345,"sentiment":"neutral","sentiment_score":-0.06469583883881569},{"text":"So the TPD, the I'm all I've got a lot I'm covered with all those things.","start":351.345,"end":355.185,"sentiment":"neutral","sentiment_score":-0.031138065009145066},{"text":"So the TAL, I'd I'd still do the insurance as well, so I'd maintain those.","start":355.185,"end":358.805,"sentiment":"neutral","sentiment_score":0.051655015101035436}],"sentiment":"neutral","sentiment_score":-0.03473819955793578,"num_words":43,"start":349.025,"end":358.805},{"sentences":[{"text":"But I'd be keeping yeah.","start":358.94498,"end":361.17,"sentiment":"neutral","sentiment_score":0.0418649286031723},{"text":"Yeah.","start":361.17,"end":361.33002,"sentiment":"neutral","sentiment_score":0.1315082609653473},{"text":"So I'd keep probably about $10 in my existing industry funds.","start":361.33002,"end":364.79,"sentiment":"neutral","sentiment_score":0.2048185020685196},{"text":"I have, like, an insurance as well for super and then take the cost out of that as well.","start":365.73,"end":369.41,"sentiment":"neutral","sentiment_score":0.22820233436007248},{"text":"So I have have the self managed, but then also keep the industry one as well.","start":369.41,"end":373.41,"sentiment":"neutral","sentiment_score":0.16732755629345775}],"sentiment":"neutral","sentiment_score":0.18474849385137743,"num_words":52,"start":358.94498,"end":373.41},{"sentences":[{"text":"And then just be transferring from there, yeah, across to that.","start":373.41,"end":376.31,"sentiment":"neutral","sentiment_score":0.0888323953205889},{"text":"Netwealth, who I'm with now?","start":382.025,"end":383.64502,"sentiment":"neutral","sentiment_score":0.013066584058105946},{"text":"Yep.","start":392.85,"end":393.35,"sentiment":"neutral","sentiment_score":0.14213663339614868},{"text":"Yep.","start":402.37,"end":402.87,"sentiment":"neutral","sentiment_score":0.051373064517974854},{"text":"I haven't thought that far of it.","start":413.645,"end":415.485,"sentiment":"neutral","sentiment_score":-0.1497235574892589}],"sentiment":"neutral","sentiment_score":0.00751736257225275,"num_words":25,"start":373.41,"end":415.485},{"sentences":[{"text":"No.","start":415.485,"end":415.985,"sentiment":"neutral","sentiment_score":-0.08983311057090759},{"text":"Can you can you rephrase that question again?","start":417.24002,"end":418.92,"sentiment":"neutral","sentiment_score":-0.04437042307108641},{"text":"Say that question again for me.","start":418.92,"end":420.30002,"sentiment":"neutral","sentiment_score":-0.041180490516126156},{"text":"Yep.","start":429.095,"end":429.595,"sentiment":"neutral","sentiment_score":0.07394483685493469},{"text":"Okay.","start":438.535,"end":438.93503,"sentiment":"neutral","sentiment_score":0.0635858103632927}],"sentiment":"neutral","sentiment_score":-0.03260875241283108,"num_words":17,"start":415.485,"end":438.93503},{"sentences":[{"text":"Yeah.","start":438.93503,"end":439.17502,"sentiment":"neutral","sentiment_score":0.04280010610818863},{"text":"No.","start":439.17502,"end":439.33502,"sentiment":"neutral","sentiment_score":-0.0063421353697776794},{"text":"So I would find something that's low fees, just low bare minimum.","start":439.33502,"end":442.475,"sentiment":"neutral","sentiment_score":0.08760280348360538},{"text":"Yep.","start":442.61502,"end":442.93503,"sentiment":"neutral","sentiment_score":0.2521923780441284},{"text":"Absolutely.","start":442.93503,"end":443.43503,"sentiment":"neutral","sentiment_score":0.33255326747894287}],"sentiment":"neutral","sentiment_score":0.10452732862904668,"num_words":16,"start":438.93503,"end":443.43503},{"sentences":[{"text":"They probably leave leave Netwealth too.","start":444.67,"end":446.75,"sentiment":"neutral","sentiment_score":0.06763385112086932},{"text":"Yep.","start":446.75,"end":447.25,"sentiment":"neutral","sentiment_score":0.1004333719611168},{"text":"Yep.","start":454.67,"end":455.17,"sentiment":"neutral","sentiment_score":-0.10786601155996324},{"text":"Yep.","start":457.485,"end":457.985,"sentiment":"neutral","sentiment_score":-0.007568190805613995},{"text":"Yes.","start":466.44498,"end":466.76498,"sentiment":"neutral","sentiment_score":0.10057611763477324}],"sentiment":"neutral","sentiment_score":0.04913783939555287,"num_words":10,"start":444.67,"end":466.76498},{"sentences":[{"text":"Absolutely.","start":466.76498,"end":467.245,"sentiment":"neutral","sentiment_score":0.12251504510641098},{"text":"Well, I mean, as far as I know, like, Oak Oakview hasn't done much for me at all.","start":467.245,"end":471.69,"sentiment":"neutral","sentiment_score":-0.1392907156712479},{"text":"So I've got I've got no plan there for the past couple of years.","start":471.69,"end":474.33,"sentiment":"negative","sentiment_score":-0.36624704939978464},{"text":"I think I've got a a statement like this last year, and that was it.","start":474.33,"end":477.45,"sentiment":"neutral","sentiment_score":-0.25760267972946166},{"text":"And there's been no money given to you guys.","start":477.45,"end":480.27,"sentiment":"negative","sentiment_score":-0.4057914117972056}],"sentiment":"neutral","sentiment_score":-0.2636550777314002,"num_words":57,"start":466.76498,"end":480.27},{"sentences":[{"text":"No services provided or shit.","start":480.33,"end":483.705,"sentiment":"negative","sentiment_score":-0.4790540039539337},{"text":"I don't think I've ever done it.","start":483.705,"end":484.82498,"sentiment":"negative","sentiment_score":-0.47711173977170673},{"text":"So I don't I've been there.","start":484.82498,"end":487.705,"sentiment":"negative","sentiment_score":-0.4007750600576401},{"text":"I'd I'd I'd like to be I'd actually be interested to know how much money I've given you before if at all.","start":487.705,"end":492.365,"sentiment":"neutral","sentiment_score":-0.1397069672291929},{"text":"That is.","start":494.26498,"end":495.085,"sentiment":"neutral","sentiment_score":-0.04987229220569134}],"sentiment":"neutral","sentiment_score":-0.2693571529040734,"num_words":42,"start":480.33,"end":495.085},{"sentences":[{"text":"Yeah.","start":501.12,"end":501.36002,"sentiment":"neutral","sentiment_score":-0.1414959281682968},{"text":"Yeah.","start":501.36002,"end":501.6,"sentiment":"neutral","sentiment_score":-0.04700331017374992},{"text":"Like, I've I mean, my my last my last year's call with net with Oakview was just a snapshot of a printout document for my super.","start":501.6,"end":509.62,"sentiment":"neutral","sentiment_score":-0.06092340456178555},{"text":"So, you know, there's not much value with o q at all, 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It's Vegas.\n\nChannel 0: This is Veronica from ICU Financial. How are you this morning?\n\nChannel 1: Good. Thank you, Veronica. How are you going?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes. That's fine. Yep.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Yes. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Dean Edward Jessup. What was the second thing?\n\nChannel 0: Date of birth, please.\n\nChannel 1: February seventies of the six seventy four and two\n\nChannel 0: Yep.\n\nChannel 1: Barrel Terrace, Mount Cool.\n\nChannel 0: Perfect. And how's your morning been? Been busy?\n\nChannel 1: Been busy. Yes. Yes. Been\n\nChannel 0: Yeah.\n\nChannel 1: a crazy start to the day.\n\nChannel 0: Well, I will try not to keep you for too long.\n\nChannel 1: That's okay.\n\nChannel 0: But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at.\n\nChannel 1: Just an update. Yeah. And then also\n\nChannel 0: Yeah.\n\nChannel 1: see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort\n\nChannel 0: Mhmm.\n\nChannel 1: of value for service going up this much this year. I'd like to know how much has gone\n\nChannel 0: Mhmm.\n\nChannel 1: up or down with my contributions that I've made through pay taken out, and I get\n\nChannel 0: Yep.\n\nChannel 1: a real true adjustment of where it's performed.\n\nChannel 0: Yep.\n\nChannel 1: That there and I've also been thinking about the moving to a self managed super.\n\nChannel 0: Mhmm. And have you started looking at that\n\nChannel 1: Yes.\n\nChannel 0: process?\n\nChannel 1: Yeah. Yeah. So I'm looking at looking into that and trying to lock some stuff in before the with the the LRBA, like, the changes coming\n\nChannel 0: Mhmm.\n\nChannel 1: from the government.\n\nChannel 0: Yes.\n\nChannel 1: So I understand that's happening pretty quickly. So\n\nChannel 0: Yes.\n\nChannel 1: I've been moving pretty quick with that as well.\n\nChannel 0: Mhmm.\n\nChannel 1: So I just wanna get your take on that possibly. But other\n\nChannel 0: Yep.\n\nChannel 1: than that, yes, with those couple of things.\n\nChannel 0: Yep. Perfect. And with the self managed super fund, is that\n\nChannel 1: Yep.\n\nChannel 0: something you are planning on manage everything yourself, or have you contacted someone to put together, like, strategy and stuff to see if that is going to be the best option for you, or kind of where are things at with that?\n\nChannel 1: Well, it's just mainly getting the property. So I was talking to someone now that they\n\nChannel 0: Mhmm.\n\nChannel 1: I'm looking to get a investment property, and\n\nChannel 0: Mhmm.\n\nChannel 1: they've sort of managed about getting property through super as well.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'm just looking for that. And then, yeah, this we literally just started, like, end of last week and yesterday\n\nChannel 0: Mhmm.\n\nChannel 1: getting that ball rolling. Yeah.\n\nChannel 0: Okay. Perfect. Now with self managed super funds as well, are you quite familiar with, like, how it works and what's required in your end and the\n\nChannel 1: Yeah. The\n\nChannel 0: legislation?\n\nChannel 1: structures that we like to bear\n\nChannel 0: Yep.\n\nChannel 1: trust and that kind of thing. Yes,\n\nChannel 0: Yes.\n\nChannel 1: Sam. Yeah. Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Great. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And, obviously, the costs and everything in regards\n\nChannel 1: That's right.\n\nChannel 0: to\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: it?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Setting up around the $4 mark. I've I've looked at that sort of figure. So I don't know what you guys\n\nChannel 0: Yep.\n\nChannel 1: would do or what sort of account you work. But, yeah, so just sort of getting some details on that now together to try and move on it pretty quickly. Yeah.\n\nChannel 0: Mhmm. Okay. No problem at all. If it is something so, obviously, with self managed super fund, it seems like you're pretty across it, which is good because most of the time, people key our property is fantastic, but they don't actually, obviously, know all the like, obviously, there's a lot more running costs associated with the self managed super fund because, obviously,\n\nChannel 1: Yes.\n\nChannel 0: you have to launch your own tax return and everything like that. And, obviously,\n\nChannel 1: Yes.\n\nChannel 0: there's more compliance on you being,\n\nChannel 1: That's\n\nChannel 0: obviously,\n\nChannel 1: right.\n\nChannel 0: the the owner of it. So it seems like you're pretty across of that, which is great. Are you\n\nChannel 1: Yep.\n\nChannel 0: planning on borrowing for the property as well as utilizing your superannuation, or are you planning\n\nChannel 1: Yes.\n\nChannel 0: like, is it\n\nChannel 1: Yes.\n\nChannel 0: yep.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: why I wanna get it done before the laws change.\n\nChannel 0: Yep. Yep. Perfect. And are you planning on doing, like, an investment portfolio or anything within your superannuation fund for diversification or mainly just the property?\n\nChannel 1: Just the property. Yep.\n\nChannel 0: Just the property. Okay. No worries. Obviously, let us know how you are going with all of that because with the self funded super fund, because, obviously, you would be managing it typically with a self funded super fund if we were to come into play, because we do have quite a few clients with self funded super funds, that way that\n\nChannel 1: Yeah.\n\nChannel 0: we would then do things would be if there is a investment portfolio associated with it, because, obviously, you would be the the manager of the self managed super fund, and then you would obviously have\n\nChannel 1: Yep.\n\nChannel 0: your account and tie with it for all the administration of the running of it and\n\nChannel 1: That's\n\nChannel 0: the paperwork\n\nChannel 1: right. Yes.\n\nChannel 0: side of it. And, obviously, the property will be separate. And then we would come in if you do want investments managed as part of your self managed super fund. But if you are prime primarily thinking of it just from a property point of view, then that would probably mean that we wouldn't obviously continue managing, obviously, your super or investments because that would all be moved to a self managed super fund\n\nChannel 1: Yes.\n\nChannel 0: and,\n\nChannel 1: That's correct.\n\nChannel 0: obviously,\n\nChannel 1: Yeah.\n\nChannel 0: your investments. Okay. And\n\nChannel 1: Yep.\n\nChannel 0: have you thought anything about what you wanna do with your insurances in that instance?\n\nChannel 1: Yeah. No. I've got taken out. So at the moment, I'm with TAL. So the TPD,\n\nChannel 0: Yes.\n\nChannel 1: the I'm all I've got a lot I'm covered with all those things. So the TAL,\n\nChannel 0: Yes.\n\nChannel 1: I'd I'd still do the insurance as well, so I'd maintain those. But\n\nChannel 0: Yep.\n\nChannel 1: I'd be\n\nChannel 0: You've\n\nChannel 1: keeping\n\nChannel 0: just changed it.\n\nChannel 1: yeah. Yeah. So I'd keep probably\n\nChannel 0: Yep.\n\nChannel 1: about $10 in my existing industry funds. I have, like, an insurance as well for super and then take the cost out of that as well. So I have have the self managed, but then also keep the industry one as well. And then just\n\nChannel 0: Okay.\n\nChannel 1: be transferring from there, yeah, across to that.\n\nChannel 0: And when you say with the industry fund, which industry fund are you thinking of?\n\nChannel 1: Netwealth, who I'm with now?\n\nChannel 0: Oh, okay. Yep. So network is more of like your your retail super fund, so a little bit different to an industry fund. Obviously, from a superannuation point of view,\n\nChannel 1: Yep.\n\nChannel 0: it works similar. So with the the Netwealth, if you do keep about 10,000 in there for the insurances, will you\n\nChannel 1: Yep.\n\nChannel 0: be managing your investments or everything in that net worth account given, obviously, you'll only leave about 10,000?\n\nChannel 1: I haven't thought that far of it. No.\n\nChannel 0: Okay.\n\nChannel 1: Can you can\n\nChannel 0: Because,\n\nChannel 1: you\n\nChannel 0: obviously\n\nChannel 1: rephrase that question again? Say that question again for me.\n\nChannel 0: yeah. So, obviously, with with Netwealth, because it's more of, like, your sophisticated platform where you do a lot of different investments,\n\nChannel 1: Yep.\n\nChannel 0: which, obviously, in NetWells as a Superfund, if you only leave about 10,000, you obviously also have to factor in the fees with it.\n\nChannel 1: Okay. Yeah. No. So I would find something that's low fees, just low\n\nChannel 0: Okay.\n\nChannel 1: bare minimum. Yep. Absolutely.\n\nChannel 0: Okay. Okay.\n\nChannel 1: They\n\nChannel 0: Okay.\n\nChannel 1: probably\n\nChannel 0: Because\n\nChannel 1: leave leave Netwealth too. Yep.\n\nChannel 0: okay. Yep. Because I was going to say, obviously, with Netwealth, if we remove ourselves as servicing advisers from your Netwealth account,\n\nChannel 1: Yep.\n\nChannel 0: So that obviously means that we won't be managing everything for you.\n\nChannel 1: Yep.\n\nChannel 0: If you do decide to leave a portion of your funds in Netwealth, then obviously, you would be responsible for managing those investments.\n\nChannel 1: Yes. Absolutely. Well, I mean, as far as\n\nChannel 0: Yes.\n\nChannel 1: I know, like, Oak Oakview hasn't done much for me at all. So I've got I've got no plan there for the past couple of years. I think I've got a a statement like this last year, and that was it. And there's been no money given to you guys. No services provided or shit.\n\nI don't think I've ever done it. So I don't I've been there. I'd I'd I'd like to be I'd actually be interested to know how much money I've given you before if at all.\n\nChannel 0: Yep. Yep. And I\n\nChannel 1: That\n\nChannel 0: do\n\nChannel 1: is.\n\nChannel 0: apologize, obviously, that that's been your experience up until this point. That's not obviously what we like\n\nChannel 1: Yeah.\n\nChannel 0: and what\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Like,\n\nChannel 0: want.\n\nChannel 1: I've I mean,\n\nChannel 0: And\n\nChannel 1: my my\n\nChannel 0: you\n\nChannel 1: last\n\nChannel 0: know?\n\nChannel 1: my last year's call with net with Oakview was just a snapshot\n\nChannel 0: Yeah.\n\nChannel 1: of a printout document for my super.\n\nChannel 0: Mhmm.\n\nChannel 1: So, you\n\nChannel 0: Yep.\n\nChannel 1: know, there's not much value with o q at all, really.\n\nChannel 0: Yeah. And like I said, I\n\nChannel 1: Yeah.\n\nChannel 0: do apologize that that has been your experience.\n\nChannel 1: Oh, that's\n\nChannel 0: Obviously,\n\nChannel 1: okay. That's yeah.\n\nChannel 0: that with\n\nChannel 1: Right.\n\nChannel 0: you before, but I do. Obviously, that's not what we want. So, obviously, yeah, apologize that that has been your experience, but it seems like\n\nChannel 1: Yep.\n\nChannel 0: you're pretty across what you wanted anyway. And there's no, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: you know, lock in or anything like that with us. At the end of the day, we are here to tryna help you achieve your super retirement and help educate you along the way. But if\n\nChannel 1: Yes.\n\nChannel 0: you feel like that's not the right option for you with everything and you want to go down the property, then that choice is completely up to you. Like, there's no lock in contract or anything\n\nChannel 1: No.\n\nChannel 0: like\n\nChannel 1: Yes.\n\nChannel 0: that.\n\nChannel 1: That's yep.\n\nChannel 0: So so that totally makes sense.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So, basically, after the call today then is\n\nChannel 1: Yep.\n\nChannel 0: that, obviously, I understand, so part of the under review would be, obviously, go through everything for you, which we will do. And then\n\nChannel 1: Yep.\n\nChannel 0: it would be, okay, well, if you wanted to stay on the ongoing service agreement, doing advice, and look at different options. But I understand if that's obviously not the plan that you are wanting to move forward with. So we still obviously go through the under review. But following\n\nChannel 1: Yes.\n\nChannel 0: the under review today, I will then get the case management team and let them know that you are in the process of wanting to move to a self managed super fund, and then they will assist you with the transitioning out\n\nChannel 1: Okay.\n\nChannel 0: of, like, what to do with your insurances, whether you want to. Because obviously, with the self managed super fund, you have to maintain some level of insurance\n\nChannel 1: That's\n\nChannel 0: plan\n\nChannel 1: right. Yep.\n\nChannel 0: in place. So whether that would be they can then send you the forms, whether that is you if you decide to keep 10,000 in that wealth, then, obviously, that stays being paid then. Obviously, you have to then be mindful of the the insurance premium. Or if you do decide to open up another industry fund just low cost for the purpose of keeping those insurances, then we can\n\nChannel 1: Yep.\n\nChannel 0: send you the forms of how to change where it's getting paid from. Because the good\n\nChannel 1: Yes.\n\nChannel 0: thing with your tal insurances is that that's not at all tied to Netwealth. It's being paid from Netwealth, but it's a completely separate company. So you can\n\nChannel 1: Exactly.\n\nChannel 0: transfer\n\nChannel 1: Yes.\n\nChannel 0: that.\n\nChannel 1: Yep.\n\nChannel 0: Let me just check actually how it's set up for you. Because sometimes\n\nChannel 1: Yep.\n\nChannel 0: the insurances are attached to the platform, which means that if you do go to change it, it can cause some issues, but\n\nChannel 1: Yep.\n\nChannel 0: I will get the team let me see if I can check it actually because it's in your the documents today. Because if it's a platform, then we can get in touch with Tal. Yeah. Okay. So, basically, with your Tal insurances, it is owned and paid, obviously, from Netwealth at the moment.\n\nIt it is set up as a platform policy. So if you do decide to change where it's getting paid from,\n\nChannel 1: Yep.\n\nChannel 0: sometimes that's possible depending on which product with Tile because they update their product all the time. So it depends on which, like, series you're in. Now this\n\nChannel 1: Okay.\n\nChannel 0: can sound\n\nChannel 1: Yep.\n\nChannel 0: a little bit can sound a little bit messy, but we would obviously help you with it. But, basically, we could then check with Tal if it's possible to change it to an enduring rollover, which is just then meaning that you can transfer it to another super fund or whether\n\nChannel 1: Yes.\n\nChannel 0: that's not possible. But I can let the team the TACE management team know that this is your plan,\n\nChannel 1: Yep.\n\nChannel 0: and they and they can assist you with the forms and what's required and what that would mean for those insurances for you as well after the call.\n\nChannel 1: Okay. Great.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: It's\n\nChannel 1: Yep.\n\nChannel 0: a little bit messy.\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: Now okay. Perfect. So what I will do, though so, normally, what I would do is run through as part of the annual review is run through, like, a risk profile questionnaire to see if we need to make any alterations or changes for your investments. But if you're obviously in the process of of going to self managed super fund, then I won't waste your time doing all of that because\n\nChannel 1: No.\n\nChannel 0: that would\n\nChannel 1: Yeah.\n\nChannel 0: mean that\n\nChannel 1: I don't\n\nChannel 0: we're\n\nChannel 1: have\n\nChannel 0: obviously\n\nChannel 1: any\n\nChannel 0: not\n\nChannel 1: investments.\n\nChannel 0: gonna\n\nChannel 1: No. I don't have any investments except for this gold. There's no that's what I wanna get the property. So yeah. There's no I'd\n\nChannel 0: yeah.\n\nChannel 1: say there's nothing really to financial plan about because there's no I don't have a plan. I don't have a goal. I don't have anything. So there's nothing really\n\nChannel 0: Yeah.\n\nChannel 1: there to review. So,\n\nChannel 0: Yeah.\n\nChannel 1: yep. But\n\nChannel 0: So\n\nChannel 1: anyway,\n\nChannel 0: with\n\nChannel 1: we'll\n\nChannel 0: the\n\nChannel 1: we'll\n\nChannel 0: risk\n\nChannel 1: keep\n\nChannel 0: profile\n\nChannel 1: going.\n\nChannel 0: yeah. No.\n\nChannel 1: K.\n\nChannel 0: So with the risk profile, it refers back to your risk in your superannuation fund. So at the moment,\n\nChannel 1: Okay.\n\nChannel 0: obviously,\n\nChannel 1: Yeah.\n\nChannel 0: there's different level of risks that you are willing to take for your superannuation, how you feel about market fluctuations. Obviously, when you came on board and when you last had your statement of advice with your strategy,\n\nChannel 1: Yep.\n\nChannel 0: it would have kind of gone through a range of multiple toy questions to determine your level of like, how comfortable you are with different market fluctuations,\n\nChannel 1: Yep.\n\nChannel 0: and then a risk profile and an investment portfolio in that wealth was recommended based on that. So, typically, during the under review, it's so at the moment, you're in a growth profile, which basically means that, typically\n\nChannel 1: Yep.\n\nChannel 0: speaking, you're looking at getting a growth out of your superannuation. We have about 80% invested in different growth assets, which which we can go through today, about 20 in defensive. So that's kind of how, obviously, your superannuation investments are managed and structured because you don't\n\nChannel 1: Yep.\n\nChannel 0: have everything in just one option. There's a range of different options in your network account that we've obviously tailored for you for the investment when you came on board.\n\nChannel 1: Yep.\n\nChannel 0: So that's kind of where that comes. But like I said, I won't waste your time doing that. Obviously, if you are, you\n\nChannel 1: Yeah.\n\nChannel 0: know, moving, then that that's no point because, otherwise, it would be going through the research, doing new advice, and everything like that. And if that's not something you're interested in, then, yeah, I won't waste your\n\nChannel 1: Yeah.\n\nChannel 0: time\n\nChannel 1: No.\n\nChannel 0: doing\n\nChannel 1: No.\n\nChannel 0: all of\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: No. No.\n\nChannel 0: So, basically, what I will do, though, is I will still send you I have to send you an email with some documents so that you have them, and that is\n\nChannel 1: Yes.\n\nChannel 0: just your annual review documents\n\nChannel 1: Okay. Yep.\n\nChannel 0: just to kind of give you a bit of a rundown of what they are. Now, Dean, do you have access to your emails at the moment?\n\nChannel 1: Not right now. No.\n\nChannel 0: No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: do I do what I get\n\nChannel 0: It\n\nChannel 1: back in the office. I do. Yes.\n\nChannel 0: yeah. So, basically, when you get the email, we have changed software, so might look a little bit different. Now you will have an email from myself. It will say sign now. It doesn't mean you have to sign the documents, though, but you will have to just click on the document to open\n\nChannel 1: Yes.\n\nChannel 0: up all the different attachments.\n\nChannel 1: Okay.\n\nChannel 0: It's only\n\nChannel 1: Yep.\n\nChannel 0: at the end. It will ask you to sign, which, obviously, I understand you don't wanna do given the that will be the ongoing service to say that you wanna stay\n\nChannel 1: Yes.\n\nChannel 0: on. It still gives you access to all the documents, though, so that you can view it.\n\nChannel 1: Okay.\n\nChannel 0: Part\n\nChannel 1: Yep.\n\nChannel 0: of the document, and you can download them yourself as well from that email.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: you can download a copy. Now part of the document, you will have your child certificate of currency, and\n\nChannel 1: Yes.\n\nChannel 0: that is just breaking down your child insurances so that you can obviously have a think about if the level of insurance is still appropriate for you, if\n\nChannel 1: Yep.\n\nChannel 0: you are happy with what you have, and the premium. But I'll just quickly run through it with you anyway so that you know what you have, but it's in that\n\nChannel 1: Yes. I because I just looked at this the other week then. I mean, it is quite, like, over $2 for the insurance. I don't know. Is that in your interest in your experience, is that high for insurance?\n\nChannel 0: email.\n\nChannel 1: Two\n\nChannel 0: It's not\n\nChannel 1: over $2,000\n\nChannel 0: overly\n\nChannel 1: a year? No?\n\nChannel 0: not overly, but what comes to play is because it's a tailored cover for you. So it's not like you're\n\nChannel 1: Yep.\n\nChannel 0: standard. Let let's say if you were to go through Australian with Australian Retirement Trust and you just open up an account and you get, like, default insurances,\n\nChannel 1: Yep.\n\nChannel 0: that tends to be cheaper, but it is not tailored to you. So the\n\nChannel 1: Right.\n\nChannel 0: difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim. So it's a little bit gray. So they could go, well, you had a preexisting condition or the contract might change, so they may or may not pay out depending on what it is. So it's not as much certainty, which\n\nChannel 1: Okay.\n\nChannel 0: is why it's, like, your default cover. Right? Because it's not like they don't you don't go through, like, a medical questionnaire. They don't know what you do for work\n\nChannel 1: No.\n\nChannel 0: or lifestyle or anything. It's just it's just, like, the standard default. Still something, though, but it's not as tailored. Whereas\n\nChannel 1: Okay.\n\nChannel 0: with Tal, I don't know if you remember, but you would have gone through a bit of an application quite\n\nChannel 1: Yes.\n\nChannel 0: extensive. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: how that is different is that at the time when your policy was put in force, Tal agreed to a contract with you. Anything that would have happened after that period of time, like your you changed your occupation to super risky occupation or you had any medical or injuries or anything, you are then covered. So it gives you that certainty because of it. There's\n\nChannel 1: Yep.\n\nChannel 0: usually\n\nChannel 1: Okay.\n\nChannel 0: a lot more inclusions with that type of policy as well as\n\nChannel 1: Yeah.\n\nChannel 0: a a little bit more benefits. But then sometimes because of it, it can cost more than your default.\n\nChannel 1: Yeah.\n\nChannel 0: So you\n\nChannel 1: Understandable.\n\nChannel 0: kind of\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So it's kind of the value with the cost, but and they also factor in age. So it does get more expensive the older you get. So probably when you took out the policy, it would have been quite a bit cheaper than what it is\n\nChannel 1: Yep.\n\nChannel 0: now because every single year, it does get more expensive.\n\nChannel 1: That's like\n\nChannel 0: So\n\nChannel 1: life, isn't it, really? And cost of living. Everything's\n\nChannel 0: right.\n\nChannel 1: going up. Everything's\n\nChannel 0: Right.\n\nChannel 1: going up.\n\nChannel 0: Because\n\nChannel 1: Yeah.\n\nChannel 0: from the insurer, they would be like, well, the older you get, the higher probability of you needing to claim on it. So the younger you are, the cheaper it is, and then,\n\nChannel 1: Yep.\n\nChannel 0: obviously, it goes that way. But then at the same time, often, what happens is that when you are younger, you might have more financial responsibilities than you might need more cover. And then the older you get, maybe your mortgage decreases or,\n\nChannel 1: Yeah.\n\nChannel 0: you know, you don't have as much financial responsibilities of looking after, like, financial dependence as much or for as long, then you tend to need less and less cover the closer you get. So even though they get more\n\nChannel 1: Yep.\n\nChannel 0: expensive, sometimes it's a matter of they get more expensive, but let's reduce your cover gradually to kind of\n\nChannel 1: Okay.\n\nChannel 0: offset\n\nChannel 1: Yep.\n\nChannel 0: it because you might not need as much. So So it obviously depends\n\nChannel 1: Right.\n\nChannel 0: on your goals and stuff. Does that make sense, Dean?\n\nChannel 1: Yes. Yeah. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: No. That's all\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: But, basically, obviously, it's completely up to you. So you have life and TPD at the moment that would pay out 311,716. So that would be if you were to pass away, but then also if you were to become totally and permanently disabled and can never go\n\nChannel 1: Yep.\n\nChannel 0: back to work again. Now you also have an income protection policy. So income protection will pay you a\n\nChannel 1: Yep.\n\nChannel 0: monthly income replacement if you are temporarily unable to work.\n\nChannel 1: Yes.\n\nChannel 0: Now at the moment, that would pay $3,849 per month.\n\nChannel 1: Yep.\n\nChannel 0: Now you have a four week waiting period, which means that you would have to wait the thirty days before you can start claiming on the policy.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yep. And the benefit period, so that is how long you could be on claim for,\n\nChannel 1: Yeah.\n\nChannel 0: would be five five years. So that's what\n\nChannel 1: Five\n\nChannel 0: you currently\n\nChannel 1: years.\n\nChannel 0: have. Yeah.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So all those three, because it's structured, that that way, all those three, you do pay about 2,115\n\nChannel 1: Yeah.\n\nChannel 0: from that. But that's all in\n\nChannel 1: Okay.\n\nChannel 0: the documents so you can have a have a look through it after and decide what you would like to do with those.\n\nChannel 1: Yes. Yeah. Cool.\n\nChannel 0: Yes. Yep. Now with your Netwealth account as well, so part of the document, you would have will see when you have a moment later\n\nChannel 1: Yeah.\n\nChannel 0: that it does show you your your current super balance. Now do\n\nChannel 1: I\n\nChannel 0: you have access to Netwealth a lot? Like, do you go in every now and then, like, you have access\n\nChannel 1: Yes.\n\nChannel 0: to your account? Okay. Perfect.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. So with your Netwealth, you do have,\n\nChannel 1: Yep.\n\nChannel 0: as of yesterday when we prepared the documents, that\n\nChannel 1: Yep.\n\nChannel 0: was $223,320\n\nChannel 1: Great. Okay. Yep.\n\nChannel 0: in there. Now from that, which will be your second attachment,\n\nChannel 1: Yes.\n\nChannel 0: is showing you a twelve month snapshot. That shows\n\nChannel 1: Okay. Yep.\n\nChannel 0: you all your individual investments. So\n\nChannel 1: Yes.\n\nChannel 0: when you have a look at it, you will see that you have one, two, three, four, five, six, seven, eight different types of investments that's obviously been tailored and structured for you to give you that diversification. So you\n\nChannel 1: Yep.\n\nChannel 0: have eight\n\nChannel 1: I\n\nChannel 0: different investments at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Now the one thing I do wanna mention as well, so when you just with time frame, obviously, because I know with the self managed super fund, you just let us know when you want us to sell. So, basically, obviously, moving to self managed super fund. Are you going which account are you moving through for the administration side of the self managed super fund? Do you know, like, which\n\nChannel 1: I have\n\nChannel 0: platform\n\nChannel 1: I've gotta set\n\nChannel 0: account?\n\nChannel 1: up a new account.\n\nChannel 0: Mhmm.\n\nChannel 1: Yep.\n\nChannel 0: Do you know which platform that's going to be with\n\nChannel 1: As in\n\nChannel 0: or not\n\nChannel 1: platform\n\nChannel 0: yet?\n\nChannel 1: as in what do you mean?\n\nChannel 0: So, obviously, it's for the usually, you would have, like, a cash account or something like that, whether that would be with Macquarie. It's one of the big ones, or there's a couple of others that\n\nChannel 1: That's\n\nChannel 0: run\n\nChannel 1: yeah. So you mean what what what bank am I going to?\n\nChannel 0: sorry. Because with the self funded super fund aid, you won't be able to have it just on, like, a bank account. You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds. So it wouldn't be a matter of, let's say, you open up a a bank account with Nav, and that's where you can structure everything\n\nChannel 1: No.\n\nChannel 0: from.\n\nChannel 1: Yeah.\n\nChannel 0: Pass\n\nChannel 1: Well, that's why I've got, like, my accountant who's helping me with this. So\n\nChannel 0: rate.\n\nChannel 1: one part\n\nChannel 0: Perfect.\n\nChannel 1: yeah. Yeah. So that's yeah. So\n\nChannel 0: Right.\n\nChannel 1: they're doing it up and that's through, you know, that yeah. So that's that's all\n\nChannel 0: Perfect.\n\nChannel 1: sorted.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Great. So let's say for theory that it is a account with Macquarie, for example.\n\nChannel 1: Yep.\n\nChannel 0: If you then want to move, obviously, all your super, so that 223,000 into the Macquarie account to then obviously have funds and everything available for the property and administration and setting up and everything like that, That process can take a little bit of time because what will happen first is because your money is currently invested in the market, we would have to\n\nChannel 1: Yes.\n\nChannel 0: place a a sell. So you\n\nChannel 1: That's\n\nChannel 0: would just\n\nChannel 1: yes.\n\nChannel 0: let us know when you wanna place a sell on all your investments. Now\n\nChannel 1: Yes.\n\nChannel 0: with the sell, there's obviously transaction fees, and there will be capital gains tax associated with obviously selling investment same as you would with an investment property just so that you obviously are aware. We would\n\nChannel 1: So\n\nChannel 0: place\n\nChannel 1: Capital\n\nChannel 0: a sell.\n\nChannel 1: Gains takes in the super\n\nChannel 0: Correct.\n\nChannel 1: even though on cash.\n\nChannel 0: Not on cash, but all your investments.\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: Right. And so why would like, if my super's with Netwealth, then why do I have to tell you Oakview to do\n\nChannel 0: We\n\nChannel 1: this? Why\n\nChannel 0: would\n\nChannel 1: is the instruction going to Oakview and not just going through to my\n\nChannel 0: you can\n\nChannel 1: super company?\n\nChannel 0: you can do straight with Netwealth. Usually, it's just part of the service that we would help manage all of that for you. But if you prefer to go directly to Netwealth and say, hey. I wanna place a seller on my account, and I wanna move over to all of this. That is perfectly fine.\n\nIt's up to you.\n\nChannel 1: Oh, okay.\n\nChannel 0: Often,\n\nChannel 1: Oh, okay.\n\nChannel 0: we would\n\nChannel 1: So\n\nChannel 0: just\n\nChannel 1: that's\n\nChannel 0: assist with it for\n\nChannel 1: right.\n\nChannel 0: you.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yes.\n\nChannel 1: Okay. Alright.\n\nChannel 0: But it's\n\nChannel 1: Right.\n\nChannel 0: up to you. But if you prefer\n\nChannel 1: Yep.\n\nChannel 0: to go to Netwealth, we would\n\nChannel 1: No.\n\nChannel 0: still get\n\nChannel 1: But\n\nChannel 0: notified\n\nChannel 1: I mean\n\nChannel 0: that you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: mean\n\nChannel 0: done it.\n\nChannel 1: yeah. There would\n\nChannel 0: Yeah.\n\nChannel 1: be a fee obviously at charge. Not just the goodness of your heart, is it? But you're a business at the end of the day. So\n\nChannel 0: No.\n\nChannel 1: you wanna\n\nChannel 0: We\n\nChannel 1: get\n\nChannel 0: wouldn't we wouldn't\n\nChannel 1: yeah.\n\nChannel 0: charge a fee for it. No. So because yeah. So because, obviously, it would we would just help transition you out. So\n\nChannel 1: Right.\n\nChannel 0: at the moment, because, obviously, we we didn't do we could I don't think we could get in touch with you. It was a combination, obviously, where everything went on in Queensland with the storm and everything. We were running a little bit behind with the under review. So then I think\n\nChannel 1: Yep.\n\nChannel 0: we tried to or you spoke to one of my colleagues last year. But, basically, at the moment, your ongoing service fee, so, obviously, the fee that you would typically pay for our services\n\nChannel 1: Yep.\n\nChannel 0: is off. So at the moment, you are not paying for the fee. So\n\nChannel 1: That's yes. That's that's yeah. And as\n\nChannel 0: Yes.\n\nChannel 1: I said, I I think that was stopped last year because I couldn't I wasn't seeing any\n\nChannel 0: Correct.\n\nChannel 1: value or anything there. Like, I had no\n\nChannel 0: Yes.\n\nChannel 1: plans or guidance. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: There was\n\nChannel 0: Yep.\n\nChannel 1: nothing.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: we wouldn't charge like, if you if you sorry. I'll refer you back to the case management team after the call today and, obviously,\n\nChannel 1: Yes.\n\nChannel 0: let them know your your process, and they will assist\n\nChannel 1: Yes.\n\nChannel 0: you with the transition. They will\n\nChannel 1: Okay.\n\nChannel 0: we would we won't charge you to be like, well, we are placing a trade with NatWest, so we are charging x amount of money. That's not what we do.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: we won't charge you. But,\n\nChannel 1: Yep.\n\nChannel 0: obviously, within NatWest, it's the same fee whether you would go through us or Nat Wealth.\n\nChannel 1: Yep.\n\nChannel 0: The choice is completely you because, obviously, it's place a trade on your investment, like, place a sell order because your money is not just sitting in cash at the moment. It\n\nChannel 1: No.\n\nChannel 0: is invested in the market. So\n\nChannel 1: Yeah.\n\nChannel 0: that would just be, like, your standard transaction fees, but that would, like, be net wealth fees. Right? So it doesn't matter who you contact.\n\nChannel 1: Okay. Okay.\n\nChannel 0: And because your money is invested, what the earnings are so whatever you have made from the investment,\n\nChannel 1: Yep.\n\nChannel 0: there can be some capital gains tax that would come out of your super when you sell the investments. That would all be through network, though. It's not something you have to declare or anything\n\nChannel 1: No.\n\nChannel 0: like that. But just, obviously, that will be part of a sell down process, which I'm sure your accountant would have touched on with you as well.\n\nChannel 1: Yes. Yes. Yes. Yes.\n\nChannel 0: Yep. Yep. Perfect. So, yeah, with the sell down, because one of your investments is a managed fund, they can take up to about ten business days, sometimes a little bit longer, for everything\n\nChannel 1: That's correct.\n\nChannel 0: to be sell down to cash.\n\nChannel 1: Yeah.\n\nChannel 0: So you just let us know or network whatever you prefer when you want that sell down trade to happen just so that allows you enough time for then the funds\n\nChannel 1: Yep.\n\nChannel 0: to be sold down and transferred.\n\nChannel 1: Cool.\n\nChannel 0: Yep. Makes sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Okay. Perfect. Now with your superannuation as well let me see if I can see that here. With your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that.\n\nChannel 1: Yeah.\n\nChannel 0: So the last twelve months haven't been great with everything that's going on. The last three months have been a lot better, though. Sorry. There's obviously been a bit of fluctuations in the market. So\n\nChannel 1: Yep.\n\nChannel 0: when we are looking at a twelve month period, which is the report I have sent to you, now this is the performance report. It's just from your investments. It's not talking about how much you have contributed, but, obviously, it's a return on your investment. So by contributing, you have more money to be invested, so the returns generate from that.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So with the investments over the last twelve months now let me just get this up here. With obviously all the fluctuations in the market, it is down by about 0.74%.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now that is just return on your investments. Now in the last three months, it has come back up a bit, which is great, which is natural part of the market, obviously, with everything, especially the war and everything that's going on. So\n\nChannel 1: Yeah.\n\nChannel 0: in the last three months, the good thing is it has started to come back up, which is good. Now let me just open this one here for you. So in when we're looking at the last three months, so just\n\nChannel 1: Yep.\n\nChannel 0: looking from the April 7 to, obviously, the July 6, the return on the investments is up by 5.77. So it started\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: that's\n\nChannel 0: come back\n\nChannel 1: good.\n\nChannel 0: around, yeah, which\n\nChannel 1: Yep.\n\nChannel 0: which is good. Now from that so if we are looking at let me see here, the three months, for example, you can then see the return. So the return isn't your contributions. It is the return on your investment.\n\nChannel 1: Okay.\n\nChannel 0: That represents about 12,514 in the last three months.\n\nChannel 1: Right. Okay.\n\nChannel 0: Was\n\nChannel 1: Yep. Yep.\n\nChannel 0: that Yeah. When we looked at a twelve month period, it was down about 1,316 after fees.\n\nChannel 1: Okay. Yep. Well, good thing about\n\nChannel 0: Yep.\n\nChannel 1: these last three months.\n\nChannel 0: Exactly. So it's come back up, which is which is good as well that if you even, let's say, decided to move three months ago,\n\nChannel 1: Yep.\n\nChannel 0: then you would have obviously missed the little kind of starting\n\nChannel 1: At a\n\nChannel 0: to\n\nChannel 1: loss.\n\nChannel 0: come back\n\nChannel 1: Yeah.\n\nChannel 0: around. Yeah.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So the last three months have have started to come back around. Now let me see if I can see here.\n\nChannel 1: Yeah.\n\nChannel 0: So that's just a return on your investments, which is obviously separate to your contributions. Now let me see if I can see in your account here how much contributions. Because this report that we normally send, we don't factor in contributions. We usually just tell you the return on the investments. But\n\nChannel 1: Okay.\n\nChannel 0: what I can, yeah, just to kind of give you what's the investment's done,\n\nChannel 1: Yes.\n\nChannel 0: not saying, well, you've made $20,000 and 18 of that from your contributions. No. We would just tell you what your investments have made\n\nChannel 1: Yes.\n\nChannel 0: irrespective of the contributions to make that kind of more fair comparison to you,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: is kind of\n\nChannel 1: Understand\n\nChannel 0: what you were\n\nChannel 1: that.\n\nChannel 0: talking about.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. But what I can do after the call as well when I send you, to case management, that I can even just get a report for you from hub twenty sorry, from Netwealth that shows\n\nChannel 1: Yep.\n\nChannel 0: you how much you actually put in yourself as well so that\n\nChannel 1: Yes.\n\nChannel 0: you can\n\nChannel 1: And then that's\n\nChannel 0: see\n\nChannel 1: right.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: will be good.\n\nChannel 1: I mean, it it\n\nChannel 0: Yeah.\n\nChannel 1: is not what you're saying. So I just got a year, a year on year, but I just wanna see separate what I've been putting into it and what that's\n\nChannel 0: Yep.\n\nChannel 1: been generated. Yeah. Just to know. Yep.\n\nChannel 0: Yep. So because you can even on those reports let me see if I can go back up here. So on the reports, you can even see them. Sorry. When I'm looking at the twelve month again, let's say, your starting value, so the 07/07/2025,\n\nChannel 1: Yep.\n\nChannel 0: shows that your super balance was as 218,345. Now this is all in the documents in your email\n\nChannel 1: Oh,\n\nChannel 0: as\n\nChannel 1: okay.\n\nChannel 0: well,\n\nChannel 1: Great. So\n\nChannel 0: so\n\nChannel 1: I was gonna\n\nChannel 0: you\n\nChannel 1: talk\n\nChannel 0: don't\n\nChannel 1: to you. Yep.\n\nChannel 0: have to remember it.\n\nChannel 1: No.\n\nChannel 0: So\n\nChannel 1: Okay. Good.\n\nChannel 0: starting balance was at 218,345. On the July 6, it was 223,152.\n\nChannel 1: Okay.\n\nChannel 0: Now return on your investment was negative 1,316. But, obviously, from $2,218,000 to 223,000, it's gone up. That\n\nChannel 1: Yes.\n\nChannel 0: is because your contributions. So that is,\n\nChannel 1: Right.\n\nChannel 0: like,\n\nChannel 1: Yes.\n\nChannel 0: separate.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Okay.\n\nChannel 0: looking then at your three months, the starting value on the April 7 was 210,861. At the end, it was 223,152. Out of that,\n\nChannel 1: Okay.\n\nChannel 0: 12,000 was from your investments. The rest was from your contributions. So in that document, you can actually see see the change. So, obviously, take away the return on the investments from that balance, and that gives you how much you've put into super as well.\n\nChannel 1: Good. That's good.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry. Yeah. Well, it's all skipped out in that document, which would be good.\n\nChannel 0: Correct. Yes. And your account as well, because sometimes it can be it seems like you're pretty across things, which is great. But sometimes when you first look at it, it can look a little bit messy, but it just gives you all the information.\n\nChannel 1: Yeah.\n\nChannel 0: So it's called the asset performance detail that shows you all your investments, open value, close value, the income derived from the investment, the return on the investments as well.\n\nChannel 1: Yeah. Nice. Speaking while reading this\n\nChannel 0: Yeah.\n\nChannel 1: afternoon. No.\n\nChannel 0: Yes. Sorry. It's all there. If you do have any questions or you need any other reports, just call the office as well, then we're more than happy to obviously give that to you if if you do need anything else.\n\nChannel 1: If I'd okay. Yeah. Great. No. That should\n\nChannel 0: Yeah.\n\nChannel 1: be the detail I'm after anyway.\n\nChannel 0: Yes. Now, otherwise, part of the document, like I said, it is the ongoing service agreement, which would obviously be if you wanted to stay on. But understand that you're moving to a self managed super\n\nChannel 1: Good.\n\nChannel 0: fund.\n\nChannel 1: Yep.\n\nChannel 0: There's also a tax fund number opt in form, and that would be, again, if you wanna stay on, it's just a compliance form to say that we're keeping a tax fund number secure and safe on file. Again, obviously,\n\nChannel 1: Yep.\n\nChannel 0: understand if you're moving through a self managed super fund. The last two documents is one is just a Vanguard index chart. You probably\n\nChannel 1: Yep.\n\nChannel 0: have seen this before. It's just a visual representation of the market, which often I find is quite helpful when we are talking about market fluctuations and risk profiles. But, again, that's\n\nChannel 1: Okay.\n\nChannel 0: just there\n\nChannel 1: Yep.\n\nChannel 0: for for your reference. And then the last document, it is just an OQ services guide. You would have seen this one a couple of times, but it's just basically everything you need to know about Oakview. Obviously, you're moving through a self managed super fund might not be that applicable anymore, but it's all there\n\nChannel 1: Yeah.\n\nChannel 0: for you. All the\n\nChannel 1: Yeah.\n\nChannel 0: team directors, all advisers is in there for you as well. So if you obviously wanna have a read over it, that is all in that document for you.\n\nChannel 1: Yep. Because I remember I think I I think I joined Oakview through a a company called LGT or something, called a g a t. Someone. I can't\n\nChannel 0: Yeah.\n\nChannel 1: really\n\nChannel 0: So\n\nChannel 1: remember.\n\nChannel 0: that yeah. So they would have obviously done your research and everything to start with and then introduced you to us, and then we would have obviously done the advice and everything like that. So they're kind of like your marketing firm as well to\n\nChannel 1: Yep.\n\nChannel 0: to kind of do all that initial research. And then\n\nChannel 1: Okay.\n\nChannel 0: you probably\n\nChannel 1: Yep.\n\nChannel 0: transferred over and spoken through I think you've spoken a little bit to the director, Sevvy, and to some of the advices here. And then we've\n\nChannel 1: Okay.\n\nChannel 0: obviously been managing things for you\n\nChannel 1: Yeah.\n\nChannel 0: moving. Yeah.\n\nChannel 1: Good. Okay.\n\nChannel 0: Well, do you have any questions for me, Dean?\n\nChannel 1: No. No. So as long as those things\n\nChannel 0: No?\n\nChannel 1: are, like, in the I'll see the documents there and all\n\nChannel 0: Yes.\n\nChannel 1: the your information there as well\n\nChannel 0: Yes. Yes.\n\nChannel 1: and the services fees, like, if I was to stay, you know, what what you do and\n\nChannel 0: What\n\nChannel 1: all that\n\nChannel 0: would\n\nChannel 1: sort of\n\nChannel 0: it\n\nChannel 1: thing\n\nChannel 0: look\n\nChannel 1: as well. So what\n\nChannel 0: yeah.\n\nChannel 1: it'll cost and\n\nChannel 0: So\n\nChannel 1: that thing. Yeah. Yeah. Yep.\n\nChannel 0: correct, so if it was that you if it was that you decide that you don't wanna go to the self managed super fund,\n\nChannel 1: Yep.\n\nChannel 0: I would suggest you calling me as well or calling the office because what I would like to do then for you\n\nChannel 1: Yep.\n\nChannel 0: is go through, especially your investments and go through a new because like you said, it has been a little while since you've had your last advice piece. And\n\nChannel 1: Yes.\n\nChannel 0: because of that, I would want to make sure that everything is working the right way for you.\n\nChannel 1: Yes. Okay.\n\nChannel 0: So what I would do, if it is that you decide you don't want to do that, I would say\n\nChannel 1: Yep.\n\nChannel 0: just please let me know Because what I would do or what I would want to do is to go through a more in-depth research process, put together a new proposal for you, and\n\nChannel 1: Yes.\n\nChannel 0: see if we needed to make any changes to your investments to align with everything for you, go through a bit more of a of a fact find with you to make sure, again, that everything is aligned as for your goals and wishes, especially if you feel like that hasn't been set out clearly, then that would be\n\nChannel 1: Yep.\n\nChannel 0: something that I would want to do. I would want to run through, well, what are your goals? What's your objectives? What do you actually want to achieve? And does the advice reflect\n\nChannel 1: Yep.\n\nChannel 0: that, or do I need to make any changes with advice to get you there? So\n\nChannel 1: Yes. Okay. Yep.\n\nChannel 0: that's what I would want to do. If you decide that you don't wanna do the self managed Safer\n\nChannel 1: Okay.\n\nChannel 0: Fund and you want to explore this, just let me know because\n\nChannel 1: Yep.\n\nChannel 0: then part of the ongoing so you you could sign the documents if you are happy because that then tells me that you would like to explore things further. Now\n\nChannel 1: Yep.\n\nChannel 0: with our ongoing service agreement, which is that document it will ask you to sign if you decide that you would like to explore things further,\n\nChannel 1: Yep.\n\nChannel 0: it is your ongoing service agreement. Now with the ongoing service agreement, the fee structure hasn't changed. If you decide that you would like to stay on board, even if\n\nChannel 1: Yep.\n\nChannel 0: it's just for a while, the fee would stay the same at 1.65\n\nChannel 1: That's\n\nChannel 0: from\n\nChannel 1: one\n\nChannel 0: your\n\nChannel 1: point six\n\nChannel 0: super.\n\nChannel 1: of the super. Okay.\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: On the super. And that would\n\nChannel 1: Yep.\n\nChannel 0: be to obviously manage everything. Now with the ongoing service agreement, in order for us to charge a fee, you have to sign this every twelve months. It doesn't mean that you are locked in to a twelve month period because with\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: okay.\n\nChannel 0: fee yeah. So with the fee structure, we normally show you a yearly, so how much it will be over a twelve month period.\n\nChannel 1: Yep.\n\nChannel 0: But what actually happens is that it is deducted every month for you. So it's split up and\n\nChannel 1: Okay.\n\nChannel 0: deducted on a monthly basis. It also\n\nChannel 1: Yep.\n\nChannel 0: makes them more fair to you, especially with market fluctuations. Because\n\nChannel 1: Yes.\n\nChannel 0: if we\n\nChannel 1: Okay.\n\nChannel 0: were to take out, let's say, one lump sum and the market is at a peak at that time, because this is a percentage of your super balance, we would obviously take out a larger amount. Same time, though, if\n\nChannel 1: Exactly.\n\nChannel 0: the market's\n\nChannel 1: Yes.\n\nChannel 0: down. So what we do instead is we just take it out on a monthly basis, but\n\nChannel 1: Yep.\n\nChannel 0: it also gives you the flexibility. So you don't have to commit to a twelve month period if you go, do you know what? I'm happy to give it a couple of months, so I wanna see how things go. You could\n\nChannel 1: Yeah.\n\nChannel 0: just do that, and then you could let us know at any point in time if, let's say, in theory, you go, okay. Well, I wanna see what this is all about, See if there's any changes a bit more consistency with communication and support that you haven't had.\n\nChannel 1: Yep.\n\nChannel 0: Whether that is you go, okay. Let's see what happens after three months. For example, after three months, even though the fee would be on, if you go, no. I want to leave now, then there's, like, no exit fees. There's no cancellation.\n\nWe would just stop that payment. We would just remove ourselves, then we wouldn't charge you anymore. So it's not like you have to lock in to a twelve month period.\n\nChannel 1: Right. Okay. Alright. Yeah. I can see.\n\nK.\n\nChannel 0: Yeah. Sorry. The twelve yeah. No. It is a compliance requirement that every twelve months, we you have to agree to a new service agreement, but it does not mean that you are locked in for twelve months.\n\nYou can cancel. You could sign the document, and then a month later, you can go, no. I don't wanna do this anymore. And it's not like we've taken out twelve months. So even if you in your network account, you can actually see that if you ever go through your transactions, you can see that the advised fee before, not obviously now because we haven't charged the fee for a while,\n\nChannel 1: Yep.\n\nChannel 0: if you go back more from the start, you would have seen that would have just come out on a monthly basis. So you're not gonna have, like, a a big lump sum payment come out aside from that upfront when you when you came on board as a as a client.\n\nChannel 1: Right.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Cool. Good. Good.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: know there's obviously a lot of information.\n\nChannel 1: Yep.\n\nChannel 0: For the time being, obviously, because you are not paying for any fees or anything, I wouldn't your investments or do any advice. We can still\n\nChannel 1: Yep.\n\nChannel 0: obviously help transition you out. There won't be any fees for that if you decide that you are definitely going down the investment self managed super fund route.\n\nChannel 1: Yeah.\n\nChannel 0: If you decide that you don't want to do that, at least not right now, just let me know. Just call the office or you can send me an email, and then I would say for you to sign those documents, and then I would go and prepare a new strategy. I'll give you a call first, book you in, and reassess all your goals and everything in a lot more in-depth to make\n\nChannel 1: Okay.\n\nChannel 0: sure everything\n\nChannel 1: Alright.\n\nChannel 0: aligns.\n\nChannel 1: Cool.\n\nChannel 0: And then\n\nChannel 1: Yes.\n\nChannel 0: I would go and prepare a strategy for you to aligning with your goals. And if we wanna make any tweaks and changes, especially to your investments, because, obviously, from when you came on board, a lot of things have happened to the the world and the market.\n\nChannel 1: Yes.\n\nChannel 0: So it is good to be proactive with checking things. And especially if we need to make any changes, then I'd want to assess that for you.\n\nChannel 1: I understand. Yep. Yep.\n\nChannel 0: Yeah. So I will leave that with you, Dean. Like I said, I will get the case management team notified, and then you obviously decide what you want to do. You can obviously decide in your own time. For the time being, though, we won't obviously do any further advice or anything.\n\nBut just,\n\nChannel 1: No.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: let us know how you're going with everything. And if it is that you do transition couple it to a self funded super fund for the property, Caden, who will be the the person kind of running that case management department that you would hear from, will then\n\nChannel 1: Yep.\n\nChannel 0: be able to help you transition out, place the salary investments, and everything on your behalf\n\nChannel 1: Yep.\n\nChannel 0: and also kind of assist you with the insurances and what would happen. But you can also respond to him if you decide that you've changed your mind and you want to stay on for a little bit. You\n\nChannel 1: Yep.\n\nChannel 0: can just let him know, and then he would then book you back in with me to have a further discussion in regards to your goals and everything like that.\n\nChannel 1: Okay. Good.\n\nChannel 0: Yeah. So,\n\nChannel 1: Cool.\n\nChannel 0: obviously, there was a lot of information.\n\nChannel 1: Yeah.\n\nChannel 0: Have a look through that email later when you have a moment. Like I said, you'll hear from my colleague, Kaden. But if there's anything else that you need from me or us at any point in time, just just let us know. We're always here to help. And, again, I am very sorry that you haven't had the best experience up until this point.\n\nChannel 1: Yeah.\n\nChannel 0: That's not what I like to hear. That's not obviously how how we want things. So, yeah, if I don't speak from you or if I don't speak to you again, obviously, I wish you all the best for the self managed super fund and the property and everything, and I hope that's, you know, achieving all those goals for you. But if not, I'd be more than happy to explore different advice strategies for you as well. So, obviously,\n\nChannel 1: I\n\nChannel 0: take your time and decide what you would like to do.\n\nChannel 1: Cool. And\n\nChannel 0: Yeah.\n\nChannel 1: I'll respond to your email too that you sent through.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Yep. Beautiful.\n\nChannel 1: Excellent.\n\nChannel 0: Well, do you have any other questions for me before I let you go, Dean?\n\nChannel 1: No. No. That's it. No. That's been good, actually.\n\nChannel 0: Yeah. Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: If there's anything you need, though, just call the office as well. You can always ask for me directly. If I'm on\n\nChannel 1: Yeah.\n\nChannel 0: the phone, they will they will book you in or give you a callback as soon as I come off the phone if there's anything else I can help you with.\n\nChannel 1: Okay. Thank you so much.\n\nChannel 0: Yep. No worries, Dean. Well, all the best if I don't hear from you.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No worries. We'll fix him. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.04051985591650009}],"sentiment":"neutral","sentiment_score":0.04051985591650009,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Good morning, missus Dean.","start":4.56,"end":5.94,"sentiment":"positive","sentiment_score":0.3576788604259491}],"sentiment":"positive","sentiment_score":0.3576788604259491,"channel":0,"num_words":4,"start":4.56,"end":5.94},{"sentences":[{"text":"Yes.","start":7.12,"end":7.52,"sentiment":"neutral","sentiment_score":0.2739955186843872},{"text":"It's Vegas.","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.19181255251169205}],"sentiment":"neutral","sentiment_score":0.2192068745692571,"channel":1,"num_words":3,"start":7.12,"end":8.34},{"sentences":[{"text":"This is Veronica from ICU 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you?","start":21.215,"end":23.075,"sentiment":"neutral","sentiment_score":0.3158056102693081}],"sentiment":"positive","sentiment_score":0.3696106248780301,"channel":0,"num_words":19,"start":18.575,"end":23.075},{"sentences":[{"text":"Yes.","start":23.244999,"end":23.565,"sentiment":"neutral","sentiment_score":0.17539358139038086},{"text":"That's fine.","start":23.565,"end":24.125,"sentiment":"neutral","sentiment_score":0.22462306916713715},{"text":"Yep.","start":24.125,"end":24.625,"sentiment":"neutral","sentiment_score":0.17070548236370087}],"sentiment":"neutral","sentiment_score":0.198836300522089,"channel":1,"num_words":4,"start":23.244999,"end":24.625},{"sentences":[{"text":"Yes.","start":24.654999,"end":24.99,"sentiment":"neutral","sentiment_score":0.2395627647638321},{"text":"Perfect.","start":25.31,"end":25.81,"sentiment":"positive","sentiment_score":0.37388646602630615},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":26.27,"end":34.69,"sentiment":"neutral","sentiment_score":0.036715989872332544}],"sentiment":"neutral","sentiment_score":0.05308014899492264,"channel":0,"num_words":33,"start":24.654999,"end":34.69},{"sentences":[{"text":"Yes.","start":34.989998,"end":35.309998,"sentiment":"neutral","sentiment_score":0.11054392904043198},{"text":"That's fine.","start":35.309998,"end":36.05,"sentiment":"neutral","sentiment_score":0.15395335108041763}],"sentiment":"neutral","sentiment_score":0.13948354373375574,"channel":1,"num_words":3,"start":34.989998,"end":36.05},{"sentences":[{"text":"Yes.","start":36.03,"end":36.53,"sentiment":"neutral","sentiment_score":0.1851836144924164},{"text":"Perfect.","start":36.67,"end":37.17,"sentiment":"neutral","sentiment_score":0.3170100152492523},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":37.995003,"end":47.215,"sentiment":"neutral","sentiment_score":0.08555050610619433}],"sentiment":"neutral","sentiment_score":0.09474752325978544,"channel":0,"num_words":36,"start":36.03,"end":47.215},{"sentences":[{"text":"Yeah.","start":47.365,"end":47.765,"sentiment":"neutral","sentiment_score":0.017514359205961227},{"text":"Dean Edward Jessup.","start":47.765,"end":48.985,"sentiment":"neutral","sentiment_score":0.012669907882809639},{"text":"What was the second thing?","start":50.725002,"end":52.025,"sentiment":"neutral","sentiment_score":0.012638826109468936}],"sentiment":"neutral","sentiment_score":0.01319091260019276,"channel":1,"num_words":9,"start":47.365,"end":52.025},{"sentences":[{"text":"Date of birth, please.","start":52.49,"end":53.63,"sentiment":"neutral","sentiment_score":0.01183798024430871}],"sentiment":"neutral","sentiment_score":0.01183798024430871,"channel":0,"num_words":4,"start":52.49,"end":53.63},{"sentences":[{"text":"February seventies of the six seventy four and two","start":53.78,"end":56.66,"sentiment":"neutral","sentiment_score":0.026605689691172704}],"sentiment":"neutral","sentiment_score":0.026605689691172704,"channel":1,"num_words":9,"start":53.78,"end":56.66},{"sentences":[{"text":"Yep.","start":56.49,"end":56.99,"sentiment":"neutral","sentiment_score":0.05334296077489853}],"sentiment":"neutral","sentiment_score":0.05334296077489853,"channel":0,"num_words":1,"start":56.49,"end":56.99},{"sentences":[{"text":"Barrel Terrace, Mount 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busy.","start":61.46,"end":62.019997,"sentiment":"neutral","sentiment_score":0.00939901266247034},{"text":"Yes.","start":62.019997,"end":62.42,"sentiment":"neutral","sentiment_score":0.05808974429965019},{"text":"Yes.","start":62.42,"end":62.82,"sentiment":"neutral","sentiment_score":0.07913615554571152},{"text":"Been","start":62.82,"end":63.059998,"sentiment":"neutral","sentiment_score":0.07077668607234955}],"sentiment":"neutral","sentiment_score":0.045360122248530386,"channel":1,"num_words":5,"start":61.46,"end":63.059998},{"sentences":[{"text":"Yeah.","start":62.985,"end":63.485,"sentiment":"neutral","sentiment_score":0.08303318917751312}],"sentiment":"neutral","sentiment_score":0.08303318917751312,"channel":0,"num_words":1,"start":62.985,"end":63.485},{"sentences":[{"text":"a crazy start to the day.","start":63.059998,"end":64.68,"sentiment":"neutral","sentiment_score":0.08448738356431325}],"sentiment":"neutral","sentiment_score":0.08448738356431325,"channel":1,"num_words":6,"start":63.059998,"end":64.68},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":65.385,"end":68.285,"sentiment":"neutral","sentiment_score":-0.01173264973542907}],"sentiment":"neutral","sentiment_score":-0.01173264973542907,"channel":0,"num_words":11,"start":65.385,"end":68.285},{"sentences":[{"text":"That's okay.","start":68.715004,"end":69.455,"sentiment":"neutral","sentiment_score":0.09074224531650543}],"sentiment":"neutral","sentiment_score":0.09074224531650543,"channel":1,"num_words":2,"start":68.715004,"end":69.455},{"sentences":[{"text":"But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at.","start":69.225,"end":84.25,"sentiment":"neutral","sentiment_score":0.044833805018032975}],"sentiment":"neutral","sentiment_score":0.044833805018032975,"channel":0,"num_words":52,"start":69.225,"end":84.25},{"sentences":[{"text":"Just an update.","start":84.51,"end":85.47,"sentiment":"neutral","sentiment_score":0.02083566536506017},{"text":"Yeah.","start":85.47,"end":85.79,"sentiment":"neutral","sentiment_score":0.03410249203443527},{"text":"And then also","start":85.79,"end":86.69,"sentiment":"neutral","sentiment_score":0.023995796218514442}],"sentiment":"neutral","sentiment_score":0.024085268112165586,"channel":1,"num_words":7,"start":84.51,"end":86.69},{"sentences":[{"text":"Yeah.","start":86.405,"end":86.905,"sentiment":"neutral","sentiment_score":0.01542285457253456}],"sentiment":"neutral","sentiment_score":0.01542285457253456,"channel":0,"num_words":1,"start":86.405,"end":86.905},{"sentences":[{"text":"see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort","start":87.71,"end":97.995,"sentiment":"neutral","sentiment_score":0.006013006974871342}],"sentiment":"neutral","sentiment_score":0.006013006974871342,"channel":1,"num_words":26,"start":87.71,"end":97.995},{"sentences":[{"text":"Mhmm.","start":97.86,"end":98.36,"sentiment":"neutral","sentiment_score":0.006038649007678032}],"sentiment":"neutral","sentiment_score":0.006038649007678032,"channel":0,"num_words":1,"start":97.86,"end":98.36},{"sentences":[{"text":"of value for service going up this much this year.","start":97.995,"end":100.575,"sentiment":"neutral","sentiment_score":0.09358960613608361},{"text":"I'd like to know how much has 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government.","start":135.815,"end":136.63501,"sentiment":"neutral","sentiment_score":-0.02469678471485774}],"sentiment":"neutral","sentiment_score":-0.02469678471485774,"channel":1,"num_words":3,"start":135.815,"end":136.63501},{"sentences":[{"text":"Yes.","start":137.005,"end":137.505,"sentiment":"neutral","sentiment_score":0.08679447323083878}],"sentiment":"neutral","sentiment_score":0.08679447323083878,"channel":0,"num_words":1,"start":137.005,"end":137.505},{"sentences":[{"text":"So I understand that's happening pretty 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wouldn't charge like, if you if you sorry.","start":1528.1799,"end":1530.5,"sentiment":"neutral","sentiment_score":-0.05807300781210264},{"text":"I'll refer you back to the case management team after the call today and, obviously,","start":1530.5,"end":1534.1799,"sentiment":"neutral","sentiment_score":0.09767212122678756}],"sentiment":"neutral","sentiment_score":0.03926769783720374,"channel":0,"num_words":24,"start":1528.1799,"end":1534.1799},{"sentences":[{"text":"Yes.","start":1534.0599,"end":1534.5599,"sentiment":"neutral","sentiment_score":0.19429752230644223}],"sentiment":"neutral","sentiment_score":0.19429752230644223,"channel":1,"num_words":1,"start":1534.0599,"end":1534.5599},{"sentences":[{"text":"let them know your your process, and they will 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you.","start":1545.915,"end":1547.295,"sentiment":"neutral","sentiment_score":0.07485764287412167},{"text":"But,","start":1547.515,"end":1547.755,"sentiment":"neutral","sentiment_score":0.06373780220746994}],"sentiment":"neutral","sentiment_score":0.07263367474079133,"channel":0,"num_words":5,"start":1545.915,"end":1547.755},{"sentences":[{"text":"Yep.","start":1547.745,"end":1548.24,"sentiment":"neutral","sentiment_score":0.0607202872633934}],"sentiment":"neutral","sentiment_score":0.0607202872633934,"channel":1,"num_words":1,"start":1547.745,"end":1548.24},{"sentences":[{"text":"obviously, within NatWest, it's the same fee whether you would go through us or Nat 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here.","start":1641.89,"end":1648.47,"sentiment":"neutral","sentiment_score":0.04398746465643247},{"text":"With your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that.","start":1649.315,"end":1658.615,"sentiment":"neutral","sentiment_score":-0.09594647685686747}],"sentiment":"neutral","sentiment_score":-0.03575328683170179,"channel":0,"num_words":48,"start":1639.97,"end":1658.615},{"sentences":[{"text":"Yeah.","start":1658.275,"end":1658.775,"sentiment":"neutral","sentiment_score":-0.08142451196908951}],"sentiment":"neutral","sentiment_score":-0.08142451196908951,"channel":1,"num_words":1,"start":1658.275,"end":1658.775},{"sentences":[{"text":"So the last twelve months haven't been great with everything that's going on.","start":1660.115,"end":1667.39,"sentiment":"neutral","sentiment_score":-0.1436271145939827},{"text":"The last three months have been a lot better, 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report.","start":1674.8099,"end":1684.405,"sentiment":"neutral","sentiment_score":0.03226765338331461},{"text":"It's just from your investments.","start":1684.7051,"end":1686.0851,"sentiment":"neutral","sentiment_score":0.07195560932159424},{"text":"It's not talking about how much you have contributed, but, obviously, it's a return on your investment.","start":1686.225,"end":1692.0851,"sentiment":"neutral","sentiment_score":0.0732636401320205},{"text":"So by contributing, you have more money to be invested, so the returns generate from that.","start":1692.145,"end":1696.9401,"sentiment":"neutral","sentiment_score":0.14077959023416042}],"sentiment":"neutral","sentiment_score":0.07471221054513608,"channel":0,"num_words":62,"start":1674.8099,"end":1696.9401},{"sentences":[{"text":"Yes.","start":1697.2599,"end":1697.7599,"sentiment":"neutral","sentiment_score":0.11342547833919524}],"sentiment":"neutral","sentiment_score":0.11342547833919524,"channel":1,"num_words":1,"start":1697.2599,"end":1697.7599},{"sentences":[{"text":"Yep.","start":1697.96,"end":1698.46,"sentiment":"neutral","sentiment_score":0.1062360852956772},{"text":"So with the investments over the last twelve months now let me just get this up here.","start":1698.76,"end":1704.86,"sentiment":"neutral","sentiment_score":0.04388196503414827},{"text":"With obviously all the fluctuations in the market, it is down by about 0.74%.","start":1705.3201,"end":1712.805,"sentiment":"neutral","sentiment_score":-0.06389346599046673}],"sentiment":"neutral","sentiment_score":-0.001321219780948013,"channel":0,"num_words":32,"start":1697.96,"end":1712.805},{"sentences":[{"text":"Okay.","start":1713.9049,"end":1714.4049,"sentiment":"neutral","sentiment_score":0.08261916041374207}],"sentiment":"neutral","sentiment_score":0.08261916041374207,"channel":1,"num_words":1,"start":1713.9049,"end":1714.4049},{"sentences":[{"text":"Yep.","start":1714.8651,"end":1715.3651,"sentiment":"neutral","sentiment_score":0.16462314128875732},{"text":"Now that is just return on your investments.","start":1716.0651,"end":1717.9851,"sentiment":"neutral","sentiment_score":0.27590336091816425},{"text":"Now in the last three months, it has come back up a bit, which is great, which is natural part of the market, obviously, with everything, especially the war and everything that's going on.","start":1717.9851,"end":1729.2101,"sentiment":"positive","sentiment_score":0.37586474002284165},{"text":"So","start":1729.2101,"end":1729.53,"sentiment":"neutral","sentiment_score":0.2605159878730774}],"sentiment":"positive","sentiment_score":0.35026743584735825,"channel":0,"num_words":44,"start":1714.8651,"end":1729.53},{"sentences":[{"text":"Yeah.","start":1729.42,"end":1729.92,"sentiment":"positive","sentiment_score":0.34649646282196045}],"sentiment":"positive","sentiment_score":0.34649646282196045,"channel":1,"num_words":1,"start":1729.42,"end":1729.92},{"sentences":[{"text":"in the last three months, the good thing is it has started to come back up, which is good.","start":1729.53,"end":1735.55,"sentiment":"positive","sentiment_score":0.5385908656998685},{"text":"Now let me just open this one here for you.","start":1736.085,"end":1738.565,"sentiment":"neutral","sentiment_score":0.1948615461587906},{"text":"So in when we're looking at the last three months, so just","start":1738.565,"end":1742.565,"sentiment":"neutral","sentiment_score":0.10821936838328838}],"sentiment":"neutral","sentiment_score":0.3287920568410943,"channel":0,"num_words":41,"start":1729.53,"end":1742.565},{"sentences":[{"text":"Yep.","start":1742.455,"end":1742.955,"sentiment":"neutral","sentiment_score":0.1397768259048462}],"sentiment":"neutral","sentiment_score":0.1397768259048462,"channel":1,"num_words":1,"start":1742.455,"end":1742.955},{"sentences":[{"text":"looking from the April 7 to, obviously, the July 6, the return on the investments is up by 5.77.","start":1742.565,"end":1752.39,"sentiment":"neutral","sentiment_score":0.21146944871074275},{"text":"So it 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good.","start":1755.65,"end":1756.63,"sentiment":"neutral","sentiment_score":0.3315065602461497},{"text":"Now from that so if we are looking at let me see here, the three months, for example, you can then see the return.","start":1757.89,"end":1771.1951,"sentiment":"neutral","sentiment_score":0.09018791327252984},{"text":"So the return isn't your contributions.","start":1771.5751,"end":1773.755,"sentiment":"neutral","sentiment_score":0.07836544948319595},{"text":"It is the return on your investment.","start":1775.015,"end":1777.435,"sentiment":"neutral","sentiment_score":0.07681438699364662}],"sentiment":"neutral","sentiment_score":0.10417307512834668,"channel":0,"num_words":40,"start":1755.65,"end":1777.435},{"sentences":[{"text":"Okay.","start":1778.64,"end":1779.14,"sentiment":"neutral","sentiment_score":0.07034739851951599}],"sentiment":"neutral","sentiment_score":0.07034739851951599,"channel":1,"num_words":1,"start":1778.64,"end":1779.14},{"sentences":[{"text":"That represents about 12,514 in the last three 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ago,","start":1801.875,"end":1809.49,"sentiment":"neutral","sentiment_score":0.19350242614746094}],"sentiment":"neutral","sentiment_score":0.19366079330444336,"channel":0,"num_words":25,"start":1801.3151,"end":1809.49},{"sentences":[{"text":"Yep.","start":1810.02,"end":1810.52,"sentiment":"neutral","sentiment_score":0.02034197747707367}],"sentiment":"neutral","sentiment_score":0.02034197747707367,"channel":1,"num_words":1,"start":1810.02,"end":1810.52},{"sentences":[{"text":"then you would have obviously missed the little kind of starting","start":1810.0299,"end":1813.71,"sentiment":"neutral","sentiment_score":-0.10271470959890973}],"sentiment":"neutral","sentiment_score":-0.10271470959890973,"channel":0,"num_words":11,"start":1810.0299,"end":1813.71},{"sentences":[{"text":"At 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the last three months have have started to come back around.","start":1816.6699,"end":1819.8099,"sentiment":"neutral","sentiment_score":-0.025341699831187725},{"text":"Now let me see if I can see here.","start":1821.485,"end":1823.885,"sentiment":"neutral","sentiment_score":0.03136766329407692}],"sentiment":"neutral","sentiment_score":-0.001037687063217163,"channel":0,"num_words":21,"start":1816.6699,"end":1823.885},{"sentences":[{"text":"Yeah.","start":1823.7151,"end":1824.2151,"sentiment":"neutral","sentiment_score":0.09178484976291656}],"sentiment":"neutral","sentiment_score":0.09178484976291656,"channel":1,"num_words":1,"start":1823.7151,"end":1824.2151},{"sentences":[{"text":"So that's just a return on your investments, which is obviously separate to your contributions.","start":1823.885,"end":1831.265,"sentiment":"neutral","sentiment_score":0.10583232839902242},{"text":"Now let me see if I can see in your account here how much 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07/07/2025,","start":1901.355,"end":1910.015,"sentiment":"neutral","sentiment_score":-0.034636766504263505}],"sentiment":"neutral","sentiment_score":0.015639075150506363,"channel":0,"num_words":45,"start":1891.9,"end":1910.015},{"sentences":[{"text":"Yep.","start":1910.465,"end":1910.965,"sentiment":"neutral","sentiment_score":0.018039297312498093}],"sentiment":"neutral","sentiment_score":0.018039297312498093,"channel":1,"num_words":1,"start":1910.465,"end":1910.965},{"sentences":[{"text":"shows that your super balance was as 218,345.","start":1910.635,"end":1915.75,"sentiment":"neutral","sentiment_score":0.008368873153813183},{"text":"Now this is all in the documents in your 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actually.","start":2681.06,"end":2682.12,"sentiment":"positive","sentiment_score":0.40816500782966614}],"sentiment":"neutral","sentiment_score":0.11341923061344358,"channel":1,"num_words":9,"start":2679.86,"end":2682.12},{"sentences":[{"text":"Yeah.","start":2681.685,"end":2682.185,"sentiment":"positive","sentiment_score":0.33807510137557983},{"text":"Yeah.","start":2682.645,"end":2683.0452,"sentiment":"positive","sentiment_score":0.4355773627758026},{"text":"Beautiful.","start":2683.0452,"end":2683.5452,"sentiment":"positive","sentiment_score":0.6596678495407104}],"sentiment":"positive","sentiment_score":0.4777734378973643,"channel":0,"num_words":3,"start":2681.685,"end":2683.5452},{"sentences":[{"text":"Yeah.","start":2683.62,"end":2684.12,"sentiment":"positive","sentiment_score":0.33484208583831787}],"sentiment":"positive","sentiment_score":0.33484208583831787,"channel":1,"num_words":1,"start":2683.62,"end":2684.12},{"sentences":[{"text":"If there's anything you need, though, just call the office as well.","start":2684.165,"end":2686.8052,"sentiment":"neutral","sentiment_score":0.1424665879458189},{"text":"You can always ask for me directly.","start":2686.8052,"end":2688.3452,"sentiment":"neutral","sentiment_score":0.0757712796330452},{"text":"If I'm on","start":2688.5652,"end":2689.125,"sentiment":"neutral","sentiment_score":0.014364224548141161}],"sentiment":"neutral","sentiment_score":0.1037768493829803,"channel":0,"num_words":22,"start":2684.165,"end":2689.125},{"sentences":[{"text":"Yeah.","start":2689.035,"end":2689.535,"sentiment":"neutral","sentiment_score":0.031568482518196106}],"sentiment":"neutral","sentiment_score":0.031568482518196106,"channel":1,"num_words":1,"start":2689.035,"end":2689.535},{"sentences":[{"text":"the phone, they will they will book you in or give you a callback as soon as I come off the phone if there's anything else I can help you with.","start":2689.125,"end":2695.77,"sentiment":"neutral","sentiment_score":0.14903028621788947}],"sentiment":"neutral","sentiment_score":0.14903028621788947,"channel":0,"num_words":31,"start":2689.125,"end":2695.77},{"sentences":[{"text":"Okay.","start":2696.155,"end":2696.395,"sentiment":"positive","sentiment_score":0.4208179116249085},{"text":"Thank you so much.","start":2696.395,"end":2697.375,"sentiment":"positive","sentiment_score":0.7572252154350281}],"sentiment":"positive","sentiment_score":0.6899437546730042,"channel":1,"num_words":5,"start":2696.155,"end":2697.375},{"sentences":[{"text":"Yep.","start":2697.69,"end":2697.85,"sentiment":"neutral","sentiment_score":0.25075510144233704},{"text":"No worries, Dean.","start":2697.85,"end":2698.81,"sentiment":"neutral","sentiment_score":0.13335169355074564},{"text":"Well, all the best if I don't hear from you.","start":2698.81,"end":2700.99,"sentiment":"neutral","sentiment_score":-0.008916406333446505}],"sentiment":"neutral","sentiment_score":0.04011757991143635,"channel":0,"num_words":14,"start":2697.69,"end":2700.99},{"sentences":[{"text":"Okay.","start":2701.1948,"end":2701.4348,"sentiment":"neutral","sentiment_score":0.1983497738838196},{"text":"Thank you.","start":2701.4348,"end":2702.255,"sentiment":"positive","sentiment_score":0.5444810092449188}],"sentiment":"positive","sentiment_score":0.42910393079121906,"channel":1,"num_words":3,"start":2701.1948,"end":2702.255},{"sentences":[{"text":"No worries.","start":2702.57,"end":2703.21,"sentiment":"neutral","sentiment_score":0.18853162229061127},{"text":"We'll fix him.","start":2703.21,"end":2704.19,"sentiment":"neutral","sentiment_score":0.25109181304772693},{"text":"Bye.","start":2705.69,"end":2706.19,"sentiment":"neutral","sentiment_score":0.20358923077583313}],"sentiment":"neutral","sentiment_score":0.22232131908337274,"channel":0,"num_words":6,"start":2702.57,"end":2706.19},{"sentences":[{"text":"Bye.","start":2708.305,"end":2708.64,"sentiment":"neutral","sentiment_score":-0.1013825535774231}],"sentiment":"neutral","sentiment_score":-0.1013825535774231,"channel":1,"num_words":1,"start":2708.305,"end":2708.64}]},"summary":{"result":"success","short":"Representatives from ICU Financial called customers to confirm personal information and discuss their annual review, self-eligated retirement plans, and investment options. The representatives explain the under review process, coverage options, and risk profiles, and provide information on benefits and coverage. The agents also explain the coverage process and offer assistance for transitioning out of self-managed super funds. The agents provide information on fees and advises customers to sign ongoing services and call for assistance."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yes.","start_word":58,"end_word":89,"intents":[{"intent":"Ask for call recording","confidence_score":0.00038501134}]},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah.","start_word":94,"end_word":128,"intents":[{"intent":"Confirm identity","confidence_score":0.27319932},{"intent":"Confirm identity","confidence_score":0.6923688}]},{"text":"Well, I will try not to keep you for too long. That's okay. But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at. Just an update.","start_word":175,"end_word":242,"intents":[{"intent":"Start process","confidence_score":0.00005862333}]},{"text":"see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort Mhmm. of value for service going up this much this year. I'd like to know how much has gone Mhmm. up or down with my contributions that I've made through pay taken out, and I get Yep. a real true adjustment of where it's performed. Yep.","start_word":248,"end_word":319,"intents":[{"intent":"Discuss past contributions","confidence_score":0.0036515275}]},{"text":"I'd like to know how much has gone Mhmm. up or down with my contributions that I've made through pay taken out, and I get Yep. a real true adjustment of where it's performed. Yep. That there and I've also been thinking about the moving to a self managed super.","start_word":285,"end_word":334,"intents":[{"intent":"Ascertain plan","confidence_score":3.163221e-7}]},{"text":"So I'm looking at looking into that and trying to lock some stuff in before the with the the LRBA, like, the changes coming Mhmm. from the government. Yes.","start_word":348,"end_word":376,"intents":[{"intent":"Lock in","confidence_score":0.17568305}]},{"text":"So I just wanna get your take on that possibly. But other Yep.","start_word":395,"end_word":407,"intents":[{"intent":"Get opinions","confidence_score":0.034751445}]},{"text":"And with the self managed super fund, is that Yep. something you are planning on manage everything yourself, or have you contacted someone to put together, like, strategy and stuff to see if that is going to be the best option for you, or kind of where are things at with that?","start_word":418,"end_word":469,"intents":[{"intent":"Manage funds","confidence_score":0.11516835}]},{"text":"Now with self managed super funds as well, are you quite familiar with, like, how it works and what's required in your end and the Yeah. The legislation? structures that we like to bear Yep. trust and that kind of thing. Yes, Yes.","start_word":537,"end_word":579,"intents":[{"intent":"Obtain information","confidence_score":0.0019390277}]},{"text":"And, obviously, the costs and everything in regards That's right.","start_word":589,"end_word":598,"intents":[{"intent":"Discuss costs","confidence_score":0.29617745}]},{"text":"Setting up around the $4 mark. I've I've looked at that sort of figure. So I don't know what you guys Yep. would do or what sort of account you work. But, yeah, so just sort of getting some details on that now together to try and move on it pretty quickly. Yeah.","start_word":605,"end_word":657,"intents":[{"intent":"Discuss account details","confidence_score":0.09767166}]},{"text":"And are you planning on doing, like, an investment portfolio or anything within your superannuation fund for diversification or mainly just the property? Just the property.","start_word":804,"end_word":829,"intents":[{"intent":"Discuss and clarify investment portfolio","confidence_score":0.000039772618}]},{"text":"So I'd keep Yep. probably about $10 in my existing industry funds. I have, like, an insurance as well for super and then take the cost out of that as well. So I have have the self managed, but then also keep the industry one as well. And then just Okay.","start_word":1109,"end_word":1159,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.000682596}]},{"text":"So, basically, after the call today then is Yep. that, obviously, I understand, so part of the under review would be, obviously, go through everything for you, which we will do. And then Yep.","start_word":1742,"end_word":1775,"intents":[{"intent":"Assist with under review","confidence_score":0.096061364}]},{"text":"it would be, okay, well, if you wanted to stay on the ongoing service agreement, doing advice, and look at different options.","start_word":1776,"end_word":1797,"intents":[{"intent":"Remain on service agreement","confidence_score":0.0029075127}]},{"text":"of, like, what to do with your insurances, whether you want to. Because obviously, with the self managed super fund, you have to maintain some level of insurance That's plan right.","start_word":1870,"end_word":1900,"intents":[{"intent":"Maintain insurance","confidence_score":0.3036428}]},{"text":"So whether that would be they can then send you the forms, whether that is you if you decide to keep 10,000 in that wealth, then, obviously, that stays being paid then.","start_word":1904,"end_word":1935,"intents":[{"intent":"Send forms","confidence_score":0.60803306}]},{"text":"send you the forms of how to change where it's getting paid from. Because the good Yes.","start_word":1973,"end_word":1989,"intents":[{"intent":"Change insurance location","confidence_score":0.14246172}]},{"text":"So, basically, with your Tal insurances, it is owned and paid, obviously, from Netwealth at the moment. It it is set up as a platform policy. So if you do decide to change where it's getting paid from, Yep. sometimes that's possible depending on which product with Tile because they update their product all the time. So it depends on which, like, series you're in. Now this Okay.","start_word":2097,"end_word":2164,"intents":[{"intent":"Change payment method","confidence_score":0.08859544}]},{"text":"So with the risk profile, it refers back to your risk in your superannuation fund. So at the moment, Okay.","start_word":2447,"end_word":2466,"intents":[{"intent":"Discuss risk profile and investment portfolio","confidence_score":0.0081312535}]},{"text":"there's different level of risks that you are willing to take for your superannuation, how you feel about market fluctuations. Obviously, when you came on board and when you last had your statement of advice with your strategy, Yep. it would have kind of gone through a range of multiple toy questions to determine your level of like, how comfortable you are with different market fluctuations, Yep.","start_word":2469,"end_word":2535,"intents":[{"intent":"Determine level of risks and comfort with market fluctuations","confidence_score":0.0019126578}]},{"text":"There's a range of different options in your network account that we've obviously tailored for you for the investment when you came on board. Yep.","start_word":2629,"end_word":2653,"intents":[{"intent":"Provide investment options","confidence_score":0.008808588}]},{"text":"So, basically, what I will do, though, is I will still send you I have to send you an email with some documents so that you have them, and that is Yes. just your annual review documents Okay.","start_word":2726,"end_word":2763,"intents":[{"intent":"Send and send annual review documents","confidence_score":0.0037134464}]},{"text":"just to kind of give you a bit of a rundown of what they are.","start_word":2765,"end_word":2779,"intents":[{"intent":"Review documents","confidence_score":0.00029395497}]},{"text":"Now, Dean, do you have access to your emails at the moment?","start_word":2780,"end_word":2791,"intents":[{"intent":"Access emails","confidence_score":0.3326419},{"intent":"Access documents","confidence_score":0.3200886}]},{"text":"that is just breaking down your child insurances so that you can obviously have a think about if the level of insurance is still appropriate for you, if Yep.","start_word":2967,"end_word":2995,"intents":[{"intent":"Check policy level","confidence_score":0.000028743192}]},{"text":"Is that in your interest in your experience, is that high for insurance? email.","start_word":3053,"end_word":3066,"intents":[{"intent":"Determine coverage level","confidence_score":0.0028091173}]},{"text":"that tends to be cheaper, but it is not tailored to you. So the Right. difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim. So it's a little bit gray. So they could go, well, you had a preexisting condition or the contract might change, so they may or may not pay out depending on what it is.","start_word":3127,"end_word":3207,"intents":[{"intent":"Discuss premiums","confidence_score":0.0010191908},{"intent":"Discuss premiums","confidence_score":0.0018949554}]},{"text":"difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim.","start_word":3141,"end_word":3172,"intents":[{"intent":"Assess cover","confidence_score":0.0711146},{"intent":"Evaluate coverage","confidence_score":0.11853907},{"intent":"Evaluate coverage","confidence_score":0.010033703}]},{"text":"There's Yep. usually Okay. a lot more inclusions with that type of policy as well as Yeah. a a little bit more benefits. But then sometimes because of it, it can cost more than your default. Yeah.","start_word":3359,"end_word":3395,"intents":[{"intent":"Describe policy benefits","confidence_score":0.001880095}]},{"text":"a a little bit more benefits. But then sometimes because of it, it can cost more than your default. Yeah.","start_word":3376,"end_word":3395,"intents":[{"intent":"Evaluate cost","confidence_score":0.07389708}]},{"text":"So it's kind of the value with the cost, but and they also factor in age. So it does get more expensive the older you get.","start_word":3403,"end_word":3428,"intents":[{"intent":"Discuss age","confidence_score":0.013593423}]},{"text":"But then at the same time, often, what happens is that when you are younger, you might have more financial responsibilities than you might need more cover. And then the older you get, maybe your mortgage decreases or, Yeah. you know, you don't have as much financial responsibilities of looking after, like, financial dependence as much or for as long, then you tend to need less and less cover the closer you get.","start_word":3520,"end_word":3592,"intents":[{"intent":"Identify financial responsibilities","confidence_score":0.0002746455}]},{"text":"So even though they get more Yep. expensive, sometimes it's a matter of they get more expensive, but let's reduce your cover gradually to kind of Okay. offset Yep.","start_word":3593,"end_word":3621,"intents":[{"intent":"Express desire for lower cover","confidence_score":0.000013715361}]},{"text":"Now you have a four week waiting period, which means that you would have to wait the thirty days before you can start claiming on the policy. Okay. Yeah.","start_word":3747,"end_word":3775,"intents":[{"intent":"Explain waiting period","confidence_score":0.010107857}]},{"text":"And the benefit period, so that is how long you could be on claim for, Yeah. would be five five years. So that's what Five you currently years. have.","start_word":3777,"end_word":3805,"intents":[{"intent":"Inform about benefits","confidence_score":0.0002910537},{"intent":"Explain benefits of policy","confidence_score":0.016078472},{"intent":"Explain benefits duration","confidence_score":0.001142595}]},{"text":"that it does show you your your current super balance. Now do I you have access to Netwealth a lot? Like, do you go in every now and then, like, you have access Yes. to your account? Okay.","start_word":3887,"end_word":3924,"intents":[{"intent":"Confirm super balance and access to account","confidence_score":0.0001762785}]},{"text":"when you have a look at it, you will see that you have one, two, three, four, five, six, seven, eight different types of investments that's obviously been tailored and structured for you to give you that diversification. So you Yep.","start_word":3982,"end_word":4022,"intents":[{"intent":"Provide information on investments and investment portfolios","confidence_score":0.00003603744},{"intent":"Share investment portfolio and platform","confidence_score":0.000037702528}]},{"text":"Because with the self funded super fund aid, you won't be able to have it just on, like, a bank account. You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds.","start_word":4190,"end_word":4236,"intents":[{"intent":"Manage super funds","confidence_score":0.01836727}]},{"text":"Because with the self funded super fund aid, you won't be able to have it just on, like, a bank account. You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds. So it wouldn't be a matter of, let's say, you open up a a bank account with Nav, and that's where you can structure everything No. from.","start_word":4190,"end_word":4263,"intents":[{"intent":"Place super funds","confidence_score":0.051316813}]},{"text":"let us know when you wanna place a sell on all your investments. Now Yes.","start_word":4401,"end_word":4415,"intents":[{"intent":"Sell investments","confidence_score":0.05417806}]},{"text":"But if you prefer to go directly to Netwealth and say, hey. I wanna place a seller on my account, and I wanna move over to all of this. That is perfectly fine.","start_word":4543,"end_word":4575,"intents":[{"intent":"Place seller","confidence_score":0.56018865}]},{"text":"But if you prefer to go directly to Netwealth and say, hey. I wanna place a seller on my account, and I wanna move over to all of this. That is perfectly fine. It's up to you. Oh, okay. Often, Oh, okay. we would So just that's assist with it for right. you.","start_word":4543,"end_word":4595,"intents":[{"intent":"Assist with account","confidence_score":0.35536015}]},{"text":"still get But notified I mean that you I have mean done it. yeah.","start_word":4618,"end_word":4631,"intents":[{"intent":"Notify process","confidence_score":0.0010306748}]},{"text":"There would Yeah. be a fee obviously at charge. Not just the goodness of your heart, is it? But you're a business at the end of the day. So No. you wanna We get wouldn't we wouldn't yeah. charge a fee for it. No. So because yeah.","start_word":4632,"end_word":4678,"intents":[{"intent":"Refuse fee","confidence_score":0.00025241886}]},{"text":"be a fee obviously at charge. Not just the goodness of your heart, is it? But you're a business at the end of the day. So No. you wanna We get wouldn't we wouldn't yeah. charge a fee for it. No. So because yeah.","start_word":4635,"end_word":4678,"intents":[{"intent":"Confirm fee","confidence_score":0.02737307}]},{"text":"I'll refer you back to the case management team after the call today and, obviously, Yes. let them know your your process, and they will assist Yes. you with the transition. They will Okay.","start_word":4851,"end_word":4884,"intents":[{"intent":"Refer to case management","confidence_score":0.24858496}]},{"text":"we would we won't charge you to be like, well, we are placing a trade with NatWest, so we are charging x amount of money. That's not what we do. Right.","start_word":4886,"end_word":4916,"intents":[{"intent":"Place trade with natwest","confidence_score":0.22140163}]},{"text":"But just, obviously, that will be part of a sell down process, which I'm sure your accountant would have touched on with you as well. Yes.","start_word":5065,"end_word":5090,"intents":[{"intent":"Set up sell down","confidence_score":0.0023957016}]},{"text":"With your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that. Yeah.","start_word":5199,"end_word":5229,"intents":[{"intent":"Explain market fluctuations","confidence_score":0.0031077005}]},{"text":"when we are looking at a twelve month period, which is the report I have sent to you, now this is the performance report. It's just from your investments. It's not talking about how much you have contributed, but, obviously, it's a return on your investment. So by contributing, you have more money to be invested, so the returns generate from that. Yes.","start_word":5266,"end_word":5328,"intents":[{"intent":"Analyze investment performance","confidence_score":0.1183402}]},{"text":"But what I can do after the call as well when I send you, to case management, that I can even just get a report for you from hub twenty sorry, from Netwealth that shows Yep. you how much you actually put in yourself as well so that Yes. you can And then that's see right. if Yeah.","start_word":5757,"end_word":5814,"intents":[{"intent":"Obtain investment report","confidence_score":0.0051191607}]},{"text":"So it's called the asset performance detail that shows you all your investments, open value, close value, the income derived from the investment, the return on the investments as well. Yeah.","start_word":6132,"end_word":6162,"intents":[{"intent":"Share asset information","confidence_score":0.0025345334}]},{"text":"You would have seen this one a couple of times, but it's just basically everything you need to know about Oakview. Obviously, you're moving through a self managed super fund might not be that applicable anymore, but it's all there Yeah.","start_word":6384,"end_word":6424,"intents":[{"intent":"Educate about fund","confidence_score":0.002336302}]},{"text":"And that would Yep. be to obviously manage everything.","start_word":7085,"end_word":7093,"intents":[{"intent":"Manage super","confidence_score":0.15922798}]},{"text":"So with the fee structure, we normally show you a yearly, so how much it will be over a twelve month period. Yep.","start_word":7136,"end_word":7158,"intents":[{"intent":"Provide fee structure","confidence_score":0.027616164}]},{"text":"makes them more fair to you, especially with market fluctuations. Because Yes.","start_word":7186,"end_word":7197,"intents":[{"intent":"Resolve market fluctuations","confidence_score":0.0002831296}]},{"text":"aligns. Cool. And then Yes. I would go and prepare a strategy for you to aligning with your goals. And if we wanna make any tweaks and changes, especially to your investments, because, obviously, from when you came on board, a lot of things have happened to the the world and the market. Yes.","start_word":7755,"end_word":7808,"intents":[{"intent":"End conversation","confidence_score":0.001692316}]},{"text":"So it is good to be proactive with checking things. And especially if we need to make any changes, then I'd want to assess that for you. I understand.","start_word":7810,"end_word":7838,"intents":[{"intent":"Evaluate portfolio progress","confidence_score":0.0010892139}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.04051985591650009},{"text":"Good morning, missus Dean.","start_word":1,"end_word":4,"sentiment":"positive","sentiment_score":0.34930214285850525},{"text":"Yes. It's Vegas. This is Veronica from ICU Financial. How are you this morning?","start_word":5,"end_word":18,"sentiment":"neutral","sentiment_score":0.21811622381210327},{"text":"Good. Thank you, Veronica. How are you going? Yeah. I'm good. Thanks. That's good. I had you booked in to go over your annual review.","start_word":19,"end_word":43,"sentiment":"positive","sentiment_score":0.5224580764770508},{"text":"Is now still a good time for you? Yes. That's fine. Yep. Yes.","start_word":44,"end_word":56,"sentiment":"neutral","sentiment_score":0.25712642073631287},{"text":"Perfect.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.37388646602630615},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yes. That's fine. Yes. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah. Dean Edward Jessup. What was the second thing? Date of birth, please. February seventies of the six seventy four and two Yep. Barrel Terrace, Mount Cool.","start_word":58,"end_word":154,"sentiment":"neutral","sentiment_score":0.06452349573373795},{"text":"Perfect.","start_word":155,"end_word":155,"sentiment":"positive","sentiment_score":0.3941209316253662},{"text":"And how's your morning been? Been busy? Been busy. Yes. Yes. Been Yeah. a crazy start to the day. Well, I will try not to keep you for too long. That's okay. But before I kind of jump into things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's a bit of an update and kind of see where everything's at. Just an update. Yeah. And then also Yeah. see how they what we've they just need to know what what the super funds made on top of my contributions, not just a net sort Mhmm. of value for service going up this much this year. I'd like to know how much has gone Mhmm. up or down with my contributions that I've made through pay taken out, and I get Yep. a real true adjustment of where it's performed. Yep. That there and I've also been thinking about the moving to a self managed super. Mhmm. And have you started looking at that Yes. process? Yeah. Yeah. So I'm looking at looking into that and trying to lock some stuff in before the with the the LRBA, like, the changes coming Mhmm. from the government. Yes. So I understand that's happening pretty quickly. So Yes. I've been moving pretty quick with that as well. Mhmm. So I just wanna get your take on that possibly. But other Yep. than that, yes, with those couple of things. Yep.","start_word":156,"end_word":416,"sentiment":"neutral","sentiment_score":0.048842254141167205},{"text":"Perfect.","start_word":417,"end_word":417,"sentiment":"positive","sentiment_score":0.6176221370697021},{"text":"And with the self managed super fund, is that Yep. something you are planning on manage everything yourself, or have you contacted someone to put together, like, strategy and stuff to see if that is going to be the best option for you, or kind of where are things at with that? Well, it's just mainly getting the property. So I was talking to someone now that they Mhmm. I'm looking to get a investment property, and Mhmm. they've sort of managed about getting property through super as well. Mhmm. So I'm just looking for that. And then, yeah, this we literally just started, like, end of last week and yesterday Mhmm. getting that ball rolling. Yeah. Okay.","start_word":418,"end_word":535,"sentiment":"neutral","sentiment_score":0.1111348494887352},{"text":"Perfect.","start_word":536,"end_word":536,"sentiment":"positive","sentiment_score":0.4830514192581177},{"text":"Now with self managed super funds as well, are you quite familiar with, like, how it works and what's required in your end and the Yeah. The legislation? structures that we like to bear Yep. trust and that kind of thing. Yes, Yes. Sam. Yeah. Yep. Okay. Yep.","start_word":537,"end_word":584,"sentiment":"neutral","sentiment_score":0.08937297761440277},{"text":"Amazing. Great. Perfect.","start_word":585,"end_word":587,"sentiment":"positive","sentiment_score":0.6847736835479736},{"text":"Yep. And, obviously, the costs and everything in regards That's right. to Yeah. Yeah. it? Yeah. Yep. Setting up around the $4 mark. I've I've looked at that sort of figure. So I don't know what you guys Yep. would do or what sort of account you work. But, yeah, so just sort of getting some details on that now together to try and move on it pretty quickly. Yeah. Mhmm. Okay. No problem at all. If it is something so, obviously, with self managed super fund, it seems like you're pretty across it, which is good because most of the time, people key our property is fantastic, but they don't actually, obviously, know all the like, obviously, there's a lot more running costs associated with the self managed super fund because, obviously, Yes. you have to launch your own tax return and everything like that. And, obviously, Yes. there's more compliance on you being, That's obviously, right. the the owner of it.","start_word":588,"end_word":750,"sentiment":"neutral","sentiment_score":0.07998572436212761},{"text":"So it seems like you're pretty across of that, which is great.","start_word":751,"end_word":762,"sentiment":"positive","sentiment_score":0.5423840880393982},{"text":"Are you Yep. planning on borrowing for the property as well as utilizing your superannuation, or are you planning Yes. like, is it Yes. yep. Yeah. That's Yep. why I wanna get it done before the laws change. Yep. Yep. Perfect. And are you planning on doing, like, an investment portfolio or anything within your superannuation fund for diversification or mainly just the property? Just the property. Yep. Just the property. Okay. No worries. Obviously, let us know how you are going with all of that because with the self funded super fund, because, obviously, you would be managing it typically with a self funded super fund if we were to come into play, because we do have quite a few clients with self funded super funds, that way that Yeah. we would then do things would be if there is a investment portfolio associated with it, because, obviously, you would be the the manager of the self managed super fund, and then you would obviously have Yep. your account and tie with it for all the administration of the running of it and That's the paperwork right. Yes. side of it. And, obviously, the property will be separate. And then we would come in if you do want investments managed as part of your self managed super fund. But if you are prime primarily thinking of it just from a property point of view, then that would probably mean that we wouldn't obviously continue managing, obviously, your super or investments because that would all be moved to a self managed super fund Yes. and, That's correct. obviously, Yeah. your investments. Okay. And Yep. have you thought anything about what you wanna do with your insurances in that instance? Yeah. No. I've got taken out. So at the moment, I'm with TAL. So the TPD, Yes. the I'm all I've got a lot I'm covered with all those things. So the TAL, Yes. I'd I'd still do the insurance as well, so I'd maintain those. But Yep. I'd be You've keeping just changed it. yeah. Yeah. So I'd keep Yep. probably about $10 in my existing industry funds. I have, like, an insurance as well for super and then take the cost out of that as well. So I have have the self managed, but then also keep the industry one as well. And then just Okay. be transferring from there, yeah, across to that. And when you say with the industry fund, which industry fund are you thinking of? Netwealth, who I'm with now? Oh, okay. Yep. So network is more of like your your retail super fund, so a little bit different to an industry fund. Obviously, from a superannuation point of view, Yep. it works similar. So with the the Netwealth, if you do keep about 10,000 in there for the insurances, will you Yep. be managing your investments or everything in that net worth account given, obviously, you'll only leave about 10,000? I haven't thought that far of it. No. Okay. Can you can Because, you obviously rephrase that question again? Say that question again for me. yeah. So, obviously, with with Netwealth, because it's more of, like, your sophisticated platform where you do a lot of different investments, Yep. which, obviously, in NetWells as a Superfund, if you only leave about 10,000, you obviously also have to factor in the fees with it. Okay. Yeah. No. So I would find something that's low fees, just low Okay. bare minimum. Yep. Absolutely. Okay. Okay. They Okay. probably Because leave leave Netwealth too. Yep. okay. Yep. Because I was going to say, obviously, with Netwealth, if we remove ourselves as servicing advisers from your Netwealth account, Yep. So that obviously means that we won't be managing everything for you. Yep. If you do decide to leave a portion of your funds in Netwealth, then obviously, you would be responsible for managing those investments. Yes. Absolutely. Well, I mean, as far as Yes. I know, like, Oak Oakview hasn't done much for me at all.","start_word":763,"end_word":1439,"sentiment":"neutral","sentiment_score":0.02675982822761754},{"text":"So I've got I've got no plan there for the past couple of years.","start_word":1440,"end_word":1453,"sentiment":"negative","sentiment_score":-0.366157591342926},{"text":"I think I've got a a statement like this last year, and that was it.","start_word":1454,"end_word":1468,"sentiment":"neutral","sentiment_score":-0.26176735758781433},{"text":"And there's been no money given to you guys. No services provided or shit. I don't think I've ever done it. So I don't I've been there.","start_word":1469,"end_word":1495,"sentiment":"negative","sentiment_score":-0.4499381184577942},{"text":"I'd I'd I'd like to be I'd actually be interested to know how much money I've given you before if at all. Yep. Yep. And I That do is. apologize, obviously, that that's been your experience up until this point. That's not obviously what we like Yeah. and what Yeah. we Like, want. I've I mean, And my my you last know? my last year's call with net with Oakview was just a snapshot Yeah. of a printout document for my super. Mhmm. So, you Yep. know, there's not much value with o q at all, really. Yeah. And like I said, I Yeah. do apologize that that has been your experience. Oh, that's Obviously, okay. That's yeah. that with Right. you before, but I do.","start_word":1496,"end_word":1621,"sentiment":"neutral","sentiment_score":-0.12726141512393951},{"text":"Obviously, that's not what we want.","start_word":1622,"end_word":1627,"sentiment":"negative","sentiment_score":-0.3383401334285736},{"text":"So, obviously, yeah, apologize that that has been your experience, but it seems like Yep. you're pretty across what you wanted anyway. And there's no, obviously, Yeah. you know, lock in or anything like that with us. At the end of the day, we are here to tryna help you achieve your super retirement and help educate you along the way. But if Yes.","start_word":1628,"end_word":1691,"sentiment":"neutral","sentiment_score":0.025542017072439194},{"text":"you feel like that's not the right option for you with everything and you want to go down the property, then that choice is completely up to you.","start_word":1692,"end_word":1719,"sentiment":"negative","sentiment_score":-0.5050314664840698},{"text":"Like, there's no lock in contract or anything No. like Yes. that. That's yep. So so that totally makes sense. Yeah. Yep. So, basically, after the call today then is Yep. that, obviously, I understand, so part of the under review would be, obviously, go through everything for you, which we will do. And then Yep. it would be, okay, well, if you wanted to stay on the ongoing service agreement, doing advice, and look at different options. But I understand if that's obviously not the plan that you are wanting to move forward with. So we still obviously go through the under review. But following Yes. the under review today, I will then get the case management team and let them know that you are in the process of wanting to move to a self managed super fund, and then they will assist you with the transitioning out Okay. of, like, what to do with your insurances, whether you want to. Because obviously, with the self managed super fund, you have to maintain some level of insurance That's plan right. Yep. in place. So whether that would be they can then send you the forms, whether that is you if you decide to keep 10,000 in that wealth, then, obviously, that stays being paid then. Obviously, you have to then be mindful of the the insurance premium. Or if you do decide to open up another industry fund just low cost for the purpose of keeping those insurances, then we can Yep. send you the forms of how to change where it's getting paid from. Because the good Yes. thing with your tal insurances is that that's not at all tied to Netwealth. It's being paid from Netwealth, but it's a completely separate company. So you can Exactly. transfer Yes. that. Yep. Let me just check actually how it's set up for you. Because sometimes Yep. the insurances are attached to the platform, which means that if you do go to change it, it can cause some issues, but Yep. I will get the team let me see if I can check it actually because it's in your the documents today. Because if it's a platform, then we can get in touch with Tal. Yeah. Okay. So, basically, with your Tal insurances, it is owned and paid, obviously, from Netwealth at the moment. It it is set up as a platform policy. So if you do decide to change where it's getting paid from, Yep. sometimes that's possible depending on which product with Tile because they update their product all the time. So it depends on which, like, series you're in. Now this Okay. can sound Yep. a little bit can sound a little bit messy, but we would obviously help you with it. But, basically, we could then check with Tal if it's possible to change it to an enduring rollover, which is just then meaning that you can transfer it to another super fund or whether Yes. that's not possible. But I can let the team the TACE management team know that this is your plan, Yep. and they and they can assist you with the forms and what's required and what that would mean for those insurances for you as well after the call. Okay.","start_word":1720,"end_word":2268,"sentiment":"neutral","sentiment_score":0.04812539539186247},{"text":"Great.","start_word":2269,"end_word":2269,"sentiment":"positive","sentiment_score":0.401565283536911},{"text":"Does that make sense? Yes. It's Yeah. a Yep. little bit messy. Yeah. That's okay. Now okay.","start_word":2270,"end_word":2286,"sentiment":"neutral","sentiment_score":0.02108323946595192},{"text":"Perfect.","start_word":2287,"end_word":2287,"sentiment":"positive","sentiment_score":0.3462732434272766},{"text":"So what I will do, though so, normally, what I would do is run through as part of the annual review is run through, like, a risk profile questionnaire to see if we need to make any alterations or changes for your investments. But if you're obviously in the process of of going to self managed super fund, then I won't waste your time doing all of that because No. that would Yeah. mean that I don't we're have obviously any not investments. gonna No. I don't have any investments except for this gold. There's no that's what I wanna get the property. So yeah. There's no I'd yeah. say there's nothing really to financial plan about because there's no I don't have a plan.","start_word":2288,"end_word":2412,"sentiment":"neutral","sentiment_score":-0.08848388493061066},{"text":"I don't have a goal.","start_word":2413,"end_word":2417,"sentiment":"negative","sentiment_score":-0.33548498153686523},{"text":"I don't have anything. So there's nothing really Yeah. there to review. So, Yeah. yep. But So anyway, with we'll the we'll risk keep profile going. yeah. No. K. So with the risk profile, it refers back to your risk in your superannuation fund. So at the moment, Okay. obviously, Yeah. there's different level of risks that you are willing to take for your superannuation, how you feel about market fluctuations. Obviously, when you came on board and when you last had your statement of advice with your strategy, Yep. it would have kind of gone through a range of multiple toy questions to determine your level of like, how comfortable you are with different market fluctuations, Yep. and then a risk profile and an investment portfolio in that wealth was recommended based on that. So, typically, during the under review, it's so at the moment, you're in a growth profile, which basically means that, typically Yep. speaking, you're looking at getting a growth out of your superannuation. We have about 80% invested in different growth assets, which which we can go through today, about 20 in defensive. So that's kind of how, obviously, your superannuation investments are managed and structured because you don't Yep. have everything in just one option. There's a range of different options in your network account that we've obviously tailored for you for the investment when you came on board. Yep. So that's kind of where that comes. But like I said, I won't waste your time doing that. Obviously, if you are, you Yeah. know, moving, then that that's no point because, otherwise, it would be going through the research, doing new advice, and everything like that. And if that's not something you're interested in, then, yeah, I won't waste your Yeah. time No. doing No. all of Yep. that. No. No. So, basically, what I will do, though, is I will still send you I have to send you an email with some documents so that you have them, and that is Yes. just your annual review documents Okay. Yep. just to kind of give you a bit of a rundown of what they are. Now, Dean, do you have access to your emails at the moment? Not right now. No. No. That's I okay. do I do what I get It back in the office. I do. Yes. yeah. So, basically, when you get the email, we have changed software, so might look a little bit different. Now you will have an email from myself. It will say sign now. It doesn't mean you have to sign the documents, though, but you will have to just click on the document to open Yes. up all the different attachments. Okay. It's only Yep. at the end. It will ask you to sign, which, obviously, I understand you don't wanna do given the that will be the ongoing service to say that you wanna stay Yes. on. It still gives you access to all the documents, though, so that you can view it. Okay. Part Yep. of the document, and you can download them yourself as well from that email. Yes. So Yep. you can download a copy. Now part of the document, you will have your child certificate of currency, and Yes. that is just breaking down your child insurances so that you can obviously have a think about if the level of insurance is still appropriate for you, if Yep. you are happy with what you have, and the premium. But I'll just quickly run through it with you anyway so that you know what you have, but it's in that Yes. I because I just looked at this the other week then. I mean, it is quite, like, over $2 for the insurance. I don't know. Is that in your interest in your experience, is that high for insurance? email. Two It's not over $2,000 overly a year? No? not overly, but what comes to play is because it's a tailored cover for you. So it's not like you're Yep. standard. Let let's say if you were to go through Australian with Australian Retirement Trust and you just open up an account and you get, like, default insurances, Yep. that tends to be cheaper, but it is not tailored to you. So the Right. difference with that type of cover is that if you were needing to go on claim, they will then assess your cover at the time you are needing to go on claim. So it's a little bit gray. So they could go, well, you had a preexisting condition or the contract might change, so they may or may not pay out depending on what it is. So it's not as much certainty, which Okay. is why it's, like, your default cover. Right? Because it's not like they don't you don't go through, like, a medical questionnaire. They don't know what you do for work No. or lifestyle or anything. It's just it's just, like, the standard default. Still something, though, but it's not as tailored. Whereas Okay. with Tal, I don't know if you remember, but you would have gone through a bit of an application quite Yes. extensive. Yeah. Yeah. So Okay. how that is different is that at the time when your policy was put in force, Tal agreed to a contract with you. Anything that would have happened after that period of time, like your you changed your occupation to super risky occupation or you had any medical or injuries or anything, you are then covered. So it gives you that certainty because of it. There's Yep. usually Okay. a lot more inclusions with that type of policy as well as Yeah. a a little bit more benefits. But then sometimes because of it, it can cost more than your default. Yeah. So you Understandable. kind of Yeah. yeah. So it's kind of the value with the cost, but and they also factor in age. So it does get more expensive the older you get. So probably when you took out the policy, it would have been quite a bit cheaper than what it is Yep.","start_word":2418,"end_word":3449,"sentiment":"neutral","sentiment_score":0.009506110065840474},{"text":"now because every single year, it does get more expensive.","start_word":3450,"end_word":3459,"sentiment":"negative","sentiment_score":-0.34966418147087097},{"text":"That's like So life, isn't it, really? And cost of living. Everything's right. going up. Everything's Right. going up. Because Yeah. from the insurer, they would be like, well, the older you get, the higher probability of you needing to claim on it. So the younger you are, the cheaper it is, and then, Yep. obviously, it goes that way. But then at the same time, often, what happens is that when you are younger, you might have more financial responsibilities than you might need more cover. And then the older you get, maybe your mortgage decreases or, Yeah. you know, you don't have as much financial responsibilities of looking after, like, financial dependence as much or for as long, then you tend to need less and less cover the closer you get. So even though they get more Yep. expensive, sometimes it's a matter of they get more expensive, but let's reduce your cover gradually to kind of Okay. offset Yep. it because you might not need as much. So So it obviously depends Right. on your goals and stuff. Does that make sense, Dean? Yes. Yeah. Yep. Yep. Yep. No. That's all Yep. good. But, basically, obviously, it's completely up to you. So you have life and TPD at the moment that would pay out 311,716. So that would be if you were to pass away, but then also if you were to become totally and permanently disabled and can never go Yep. back to work again. Now you also have an income protection policy. So income protection will pay you a Yep. monthly income replacement if you are temporarily unable to work. Yes. Now at the moment, that would pay $3,849 per month. Yep. Now you have a four week waiting period, which means that you would have to wait the thirty days before you can start claiming on the policy. Okay. Yeah. Yep. And the benefit period, so that is how long you could be on claim for, Yeah. would be five five years. So that's what Five you currently years. have. Yeah. Okay. Yeah. So all those three, because it's structured, that that way, all those three, you do pay about 2,115 Yeah. from that. But that's all in Okay. the documents so you can have a have a look through it after and decide what you would like to do with those. Yes.","start_word":3460,"end_word":3858,"sentiment":"neutral","sentiment_score":-0.013257836775952265},{"text":"Yeah. Cool.","start_word":3859,"end_word":3860,"sentiment":"positive","sentiment_score":0.45154619216918945},{"text":"Yes. Yep. Now with your Netwealth account as well, so part of the document, you would have will see when you have a moment later Yeah. that it does show you your your current super balance. Now do I you have access to Netwealth a lot? Like, do you go in every now and then, like, you have access Yes. to your account? Okay.","start_word":3861,"end_word":3924,"sentiment":"neutral","sentiment_score":0.11191936582326888},{"text":"Perfect.","start_word":3925,"end_word":3925,"sentiment":"positive","sentiment_score":0.4721806645393371},{"text":"Yes. Yep. Yep. So with your Netwealth, you do have, Yep. as of yesterday when we prepared the documents, that Yep. was $223,320 Great. Okay. Yep. in there. Now from that, which will be your second attachment, Yes. is showing you a twelve month snapshot. That shows Okay. Yep. you all your individual investments. So Yes. when you have a look at it, you will see that you have one, two, three, four, five, six, seven, eight different types of investments that's obviously been tailored and structured for you to give you that diversification. So you Yep. have eight I different investments at the moment. Yep. Now the one thing I do wanna mention as well, so when you just with time frame, obviously, because I know with the self managed super fund, you just let us know when you want us to sell. So, basically, obviously, moving to self managed super fund. Are you going which account are you moving through for the administration side of the self managed super fund? Do you know, like, which I have platform I've gotta set account? up a new account. Mhmm. Yep. Do you know which platform that's going to be with As in or not platform yet? as in what do you mean? So, obviously, it's for the usually, you would have, like, a cash account or something like that, whether that would be with Macquarie. It's one of the big ones, or there's a couple of others that That's run yeah. So you mean what what what bank am I going to? sorry. Because with the self funded super fund aid, you won't be able to have it just on, like, a bank account. You would have to have it all sorted through a an account that would manage the administration side and everything for your self managed super funds. So it wouldn't be a matter of, let's say, you open up a a bank account with Nav, and that's where you can structure everything No. from. Yeah. Pass Well, that's why I've got, like, my accountant who's helping me with this. So rate.","start_word":3926,"end_word":4279,"sentiment":"neutral","sentiment_score":0.043017829236927006},{"text":"one part Perfect. yeah.","start_word":4280,"end_word":4283,"sentiment":"positive","sentiment_score":0.3653180003166199},{"text":"Yeah. So that's yeah. So Right. they're doing it up and that's through, you know, that yeah.","start_word":4284,"end_word":4300,"sentiment":"neutral","sentiment_score":0.30114278197288513},{"text":"So that's that's all Perfect. sorted.","start_word":4301,"end_word":4306,"sentiment":"positive","sentiment_score":0.4319695234298706},{"text":"Okay. Yeah.","start_word":4307,"end_word":4308,"sentiment":"neutral","sentiment_score":0.2476198375225067},{"text":"Great.","start_word":4309,"end_word":4309,"sentiment":"positive","sentiment_score":0.4252180755138397},{"text":"So let's say for theory that it is a account with Macquarie, for example. Yep. If you then want to move, obviously, all your super, so that 223,000 into the Macquarie account to then obviously have funds and everything available for the property and administration and setting up and everything like that, That process can take a little bit of time because what will happen first is because your money is currently invested in the market, we would have to Yes. place a a sell. So you That's would just yes. let us know when you wanna place a sell on all your investments. Now Yes. with the sell, there's obviously transaction fees, and there will be capital gains tax associated with obviously selling investment same as you would with an investment property just so that you obviously are aware. We would So place Capital a sell. Gains takes in the super Correct. even though on cash. Not on cash, but all your investments. No. Yeah. Right. And so why would like, if my super's with Netwealth, then why do I have to tell you Oakview to do We this? Why would is the instruction going to Oakview and not just going through to my you can super company? you can do straight with Netwealth. Usually, it's just part of the service that we would help manage all of that for you. But if you prefer to go directly to Netwealth and say, hey. I wanna place a seller on my account, and I wanna move over to all of this.","start_word":4310,"end_word":4570,"sentiment":"neutral","sentiment_score":0.036438754863209195},{"text":"That is perfectly fine. It's up to you.","start_word":4571,"end_word":4578,"sentiment":"positive","sentiment_score":0.4968343675136566},{"text":"Oh, okay. Often, Oh, okay. we would So just that's assist with it for right. you. Oh, okay. Yes. Okay. Alright. But it's Right. up to you. But if you prefer Yep. to go to Netwealth, we would No. still get But notified I mean that you I have mean done it. yeah. There would Yeah. be a fee obviously at charge. Not just the goodness of your heart, is it? But you're a business at the end of the day. So No. you wanna We get wouldn't we wouldn't yeah. charge a fee for it. No. So because yeah. So because, obviously, it would we would just help transition you out. So Right. at the moment, because, obviously, we we didn't do we could I don't think we could get in touch with you. It was a combination, obviously, where everything went on in Queensland with the storm and everything.","start_word":4579,"end_word":4729,"sentiment":"neutral","sentiment_score":-0.05015736445784569},{"text":"We were running a little bit behind with the under review.","start_word":4730,"end_word":4740,"sentiment":"negative","sentiment_score":-0.35577401518821716},{"text":"So then I think Yep. we tried to or you spoke to one of my colleagues last year. But, basically, at the moment, your ongoing service fee, so, obviously, the fee that you would typically pay for our services Yep. is off. So at the moment, you are not paying for the fee. So That's yes. That's that's yeah. And as Yes. I said, I I think that was stopped last year because I couldn't I wasn't seeing any Correct. value or anything there. Like, I had no Yes. plans or guidance. So yeah. Yeah. There was Yep. nothing. So Yep. we wouldn't charge like, if you if you sorry. I'll refer you back to the case management team after the call today and, obviously, Yes. let them know your your process, and they will assist Yes. you with the transition. They will Okay. we would we won't charge you to be like, well, we are placing a trade with NatWest, so we are charging x amount of money. That's not what we do. Right. So Okay. we won't charge you. But, Yep. obviously, within NatWest, it's the same fee whether you would go through us or Nat Wealth. Yep. The choice is completely you because, obviously, it's place a trade on your investment, like, place a sell order because your money is not just sitting in cash at the moment. It No. is invested in the market. So Yeah. that would just be, like, your standard transaction fees, but that would, like, be net wealth fees. Right? So it doesn't matter who you contact. Okay. Okay. And because your money is invested, what the earnings are so whatever you have made from the investment, Yep. there can be some capital gains tax that would come out of your super when you sell the investments. That would all be through network, though. It's not something you have to declare or anything No. like that. But just, obviously, that will be part of a sell down process, which I'm sure your accountant would have touched on with you as well. Yes. Yes. Yes. Yes. Yep. Yep. Perfect. So, yeah, with the sell down, because one of your investments is a managed fund, they can take up to about ten business days, sometimes a little bit longer, for everything That's to correct. be sell down to cash. Yeah. So you just let us know or network whatever you prefer when you want that sell down trade to happen just so that allows you enough time for then the funds Yep. to be sold down and transferred. Cool. Yep. Makes sense? Yes. Yep. Yes. Okay. Perfect. Now with your superannuation as well let me see if I can see that here. With your investments, so the last twelve months have been obviously quite turbulent in the market, which I'm sure you would have seen on the news and everything like that. Yeah. So the last twelve months haven't been great with everything that's going on. The last three months have been a lot better, though. Sorry. There's obviously been a bit of fluctuations in the market. So Yep. when we are looking at a twelve month period, which is the report I have sent to you, now this is the performance report. It's just from your investments. It's not talking about how much you have contributed, but, obviously, it's a return on your investment. So by contributing, you have more money to be invested, so the returns generate from that. Yes. Yep. So with the investments over the last twelve months now let me just get this up here. With obviously all the fluctuations in the market, it is down by about 0.74%. Okay. Yep. Now that is just return on your investments.","start_word":4741,"end_word":5370,"sentiment":"neutral","sentiment_score":0.007193936549481891},{"text":"Now in the last three months, it has come back up a bit, which is great, which is natural part of the market, obviously, with everything, especially the war and everything that's going on.","start_word":5371,"end_word":5404,"sentiment":"positive","sentiment_score":0.367201566696167},{"text":"So Yeah.","start_word":5405,"end_word":5406,"sentiment":"neutral","sentiment_score":0.31783631443977356},{"text":"in the last three months, the good thing is it has started to come back up, which is good.","start_word":5407,"end_word":5425,"sentiment":"positive","sentiment_score":0.5276204347610474},{"text":"Now let me just open this one here for you. So in when we're looking at the last three months, so just Yep. looking from the April 7 to, obviously, the July 6, the return on the investments is up by 5.77. So it started Oh, to that's come back good. around, yeah, which Yep. which is good. Now from that so if we are looking at let me see here, the three months, for example, you can then see the return. So the return isn't your contributions. It is the return on your investment. Okay. That represents about 12,514 in the last three months. Right. Okay. Was Yep. Yep. that Yeah. When we looked at a twelve month period, it was down about 1,316 after fees. Okay. Yep. Well, good thing about Yep. these last three months. Exactly. So it's come back up, which is which is good as well that if you even, let's say, decided to move three months ago, Yep. then you would have obviously missed the little kind of starting At a to loss. come back Yeah. around. Yeah. Yes. Yep. So the last three months have have started to come back around. Now let me see if I can see here. Yeah. So that's just a return on your investments, which is obviously separate to your contributions. Now let me see if I can see in your account here how much contributions. Because this report that we normally send, we don't factor in contributions. We usually just tell you the return on the investments. But Okay. what I can, yeah, just to kind of give you what's the investment's done, Yes. not saying, well, you've made $20,000 and 18 of that from your contributions. No. We would just tell you what your investments have made Yes. irrespective of the contributions to make that kind of more fair comparison to you, Yeah. which Yep. is kind of Understand what you were that. talking about. Yes. Yeah. But what I can do after the call as well when I send you, to case management, that I can even just get a report for you from hub twenty sorry, from Netwealth that shows Yep. you how much you actually put in yourself as well so that Yes. you can And then that's see right. if Yeah. that Yeah.","start_word":5426,"end_word":5816,"sentiment":"neutral","sentiment_score":0.10653408733017916},{"text":"will be good.","start_word":5817,"end_word":5819,"sentiment":"positive","sentiment_score":0.3728371858596802},{"text":"I mean, it it Yeah. is not what you're saying. So I just got a year, a year on year, but I just wanna see separate what I've been putting into it and what that's Yep. been generated. Yeah. Just to know. Yep. Yep. So because you can even on those reports let me see if I can go back up here. So on the reports, you can even see them. Sorry. When I'm looking at the twelve month again, let's say, your starting value, so the 07/07/2025, Yep. shows that your super balance was as 218,345. Now this is all in the documents in your email Oh, as okay. well, Great. so So I was gonna you don't talk to you. Yep. have to remember it. No. So Okay. Good. starting balance was at 218,345. On the July 6, it was 223,152. Okay. Now return on your investment was negative 1,316. But, obviously, from $2,218,000 to 223,000, it's gone up. That Yes. is because your contributions. So that is, Right. like, Yes. separate. Yep. Now Okay. looking then at your three months, the starting value on the April 7 was 210,861. At the end, it was 223,152. Out of that, Okay. 12,000 was from your investments. The rest was from your contributions. So in that document, you can actually see see the change. So, obviously, take away the return on the investments from that balance, and that gives you how much you've put into super as well.","start_word":5820,"end_word":6067,"sentiment":"neutral","sentiment_score":0.018980449711483337},{"text":"Good. That's good.","start_word":6068,"end_word":6070,"sentiment":"positive","sentiment_score":0.5919727683067322},{"text":"Yeah. Sorry. Yeah. Well, it's all skipped out in that document, which would be good. Correct. Yes. And your account as well, because sometimes it can be it seems like you're pretty across things, which is great. But sometimes when you first look at it, it can look a little bit messy, but it just gives you all the information. Yeah. So it's called the asset performance detail that shows you all your investments, open value, close value, the income derived from the investment, the return on the investments as well. Yeah. Nice. Speaking while reading this Yeah. afternoon. No. Yes. Sorry. It's all there. If you do have any questions or you need any other reports, just call the office as well, then we're more than happy to obviously give that to you if if you do need anything else. If I'd okay. Yeah. Great. No. That should Yeah. be the detail I'm after anyway. Yes. Now, otherwise, part of the document, like I said, it is the ongoing service agreement, which would obviously be if you wanted to stay on. But understand that you're moving to a self managed super Good. fund. Yep. There's also a tax fund number opt in form, and that would be, again, if you wanna stay on, it's just a compliance form to say that we're keeping a tax fund number secure and safe on file. Again, obviously, Yep. understand if you're moving through a self managed super fund. The last two documents is one is just a Vanguard index chart. You probably Yep. have seen this before. It's just a visual representation of the market, which often I find is quite helpful when we are talking about market fluctuations and risk profiles. But, again, that's Okay. just there Yep. for for your reference. And then the last document, it is just an OQ services guide. You would have seen this one a couple of times, but it's just basically everything you need to know about Oakview. Obviously, you're moving through a self managed super fund might not be that applicable anymore, but it's all there Yeah. for you. All the Yeah. team directors, all advisers is in there for you as well. So if you obviously wanna have a read over it, that is all in that document for you. Yep. Because I remember I think I I think I joined Oakview through a a company called LGT or something, called a g a t. Someone. I can't Yeah. really So remember. that yeah. So they would have obviously done your research and everything to start with and then introduced you to us, and then we would have obviously done the advice and everything like that. So they're kind of like your marketing firm as well to Yep. to kind of do all that initial research. And then Okay. you probably Yep. transferred over and spoken through I think you've spoken a little bit to the director, Sevvy, and to some of the advices here. And then we've Okay. obviously been managing things for you Yeah. moving.","start_word":6071,"end_word":6585,"sentiment":"neutral","sentiment_score":0.1370963914301789},{"text":"Yeah. Good.","start_word":6586,"end_word":6587,"sentiment":"positive","sentiment_score":0.3859911561012268},{"text":"Okay. Well, do you have any questions for me, Dean? No. No. So as long as those things No? are, like, in the I'll see the documents there and all Yes. the your information there as well Yes. Yes. and the services fees, like, if I was to stay, you know, what what you do and What all that would sort of it thing look as well. So what yeah. it'll cost and So that thing. Yeah. Yeah. Yep. correct, so if it was that you if it was that you decide that you don't wanna go to the self managed super fund, Yep. I would suggest you calling me as well or calling the office because what I would like to do then for you Yep. is go through, especially your investments and go through a new because like you said, it has been a little while since you've had your last advice piece. And Yes. because of that, I would want to make sure that everything is working the right way for you. Yes. Okay. So what I would do, if it is that you decide you don't want to do that, I would say Yep. just please let me know Because what I would do or what I would want to do is to go through a more in-depth research process, put together a new proposal for you, and Yes. see if we needed to make any changes to your investments to align with everything for you, go through a bit more of a of a fact find with you to make sure, again, that everything is aligned as for your goals and wishes, especially if you feel like that hasn't been set out clearly, then that would be Yep. something that I would want to do. I would want to run through, well, what are your goals? What's your objectives? What do you actually want to achieve? And does the advice reflect Yep. that, or do I need to make any changes with advice to get you there? So Yes. Okay. Yep. that's what I would want to do. If you decide that you don't wanna do the self managed Safer Okay. Fund and you want to explore this, just let me know because Yep. then part of the ongoing so you you could sign the documents if you are happy because that then tells me that you would like to explore things further. Now Yep. with our ongoing service agreement, which is that document it will ask you to sign if you decide that you would like to explore things further, Yep. it is your ongoing service agreement. Now with the ongoing service agreement, the fee structure hasn't changed. If you decide that you would like to stay on board, even if Yep. it's just for a while, the fee would stay the same at 1.65 That's from one your point six super. of the super. Okay. Correct. Yep. On the super. And that would Yep. be to obviously manage everything. Now with the ongoing service agreement, in order for us to charge a fee, you have to sign this every twelve months. It doesn't mean that you are locked in to a twelve month period because with Oh, the okay. fee yeah. So with the fee structure, we normally show you a yearly, so how much it will be over a twelve month period. Yep. But what actually happens is that it is deducted every month for you. So it's split up and Okay. deducted on a monthly basis. It also Yep.","start_word":6588,"end_word":7185,"sentiment":"neutral","sentiment_score":0.06268490753743959},{"text":"makes them more fair to you, especially with market fluctuations.","start_word":7186,"end_word":7195,"sentiment":"positive","sentiment_score":0.34162265062332153},{"text":"Because Yes. if we Okay. were to take out, let's say, one lump sum and the market is at a peak at that time, because this is a percentage of your super balance, we would obviously take out a larger amount. Same time, though, if Exactly. the market's Yes. down. So what we do instead is we just take it out on a monthly basis, but Yep.","start_word":7196,"end_word":7262,"sentiment":"neutral","sentiment_score":0.15271171927452087},{"text":"it also gives you the flexibility.","start_word":7263,"end_word":7268,"sentiment":"positive","sentiment_score":0.42701613903045654},{"text":"So you don't have to commit to a twelve month period if you go, do you know what?","start_word":7269,"end_word":7286,"sentiment":"neutral","sentiment_score":0.19488148391246796},{"text":"I'm happy to give it a couple of months, so I wanna see how things go. You could Yeah.","start_word":7287,"end_word":7305,"sentiment":"positive","sentiment_score":0.5654734969139099},{"text":"just do that, and then you could let us know at any point in time if, let's say, in theory, you go, okay. Well, I wanna see what this is all about, See if there's any changes a bit more consistency with communication and support that you haven't had. Yep. Whether that is you go, okay. Let's see what happens after three months. For example, after three months, even though the fee would be on, if you go, no. I want to leave now, then there's, like, no exit fees. There's no cancellation. We would just stop that payment. We would just remove ourselves, then we wouldn't charge you anymore. So it's not like you have to lock in to a twelve month period. Right. Okay. Alright. Yeah. I can see. K. Yeah. Sorry. The twelve yeah. No. It is a compliance requirement that every twelve months, we you have to agree to a new service agreement, but it does not mean that you are locked in for twelve months. You can cancel. You could sign the document, and then a month later, you can go, no. I don't wanna do this anymore. And it's not like we've taken out twelve months. So even if you in your network account, you can actually see that if you ever go through your transactions, you can see that the advised fee before, not obviously now because we haven't charged the fee for a while, Yep. if you go back more from the start, you would have seen that would have just come out on a monthly basis. So you're not gonna have, like, a a big lump sum payment come out aside from that upfront when you when you came on board as a as a client. Right. Yeah. Okay.","start_word":7306,"end_word":7603,"sentiment":"neutral","sentiment_score":0.09832027131979096},{"text":"Cool. Good. Good. Yeah. That's So good.","start_word":7604,"end_word":7610,"sentiment":"positive","sentiment_score":0.5107765197753906},{"text":"I Yeah. know there's obviously a lot of information. Yep. For the time being, obviously, because you are not paying for any fees or anything, I wouldn't your investments or do any advice. We can still Yep. obviously help transition you out. There won't be any fees for that if you decide that you are definitely going down the investment self managed super fund route. Yeah. If you decide that you don't want to do that, at least not right now, just let me know. Just call the office or you can send me an email, and then I would say for you to sign those documents, and then I would go and prepare a new strategy. I'll give you a call first, book you in, and reassess all your goals and everything in a lot more in-depth to make Okay. sure everything Alright. aligns.","start_word":7611,"end_word":7755,"sentiment":"neutral","sentiment_score":0.021137883886694908},{"text":"Cool.","start_word":7756,"end_word":7756,"sentiment":"positive","sentiment_score":0.3383195996284485},{"text":"And then Yes. I would go and prepare a strategy for you to aligning with your goals. And if we wanna make any tweaks and changes, especially to your investments, because, obviously, from when you came on board, a lot of things have happened to the the world and the market. Yes.","start_word":7757,"end_word":7808,"sentiment":"neutral","sentiment_score":0.13766908645629883},{"text":"So it is good to be proactive with checking things. And especially if we need to make any changes, then I'd want to assess that for you.","start_word":7809,"end_word":7835,"sentiment":"positive","sentiment_score":0.423534095287323},{"text":"I understand. Yep. Yep. Yeah. So I will leave that with you, Dean. Like I said, I will get the case management team notified, and then you obviously decide what you want to do. You can obviously decide in your own time. For the time being, though, we won't obviously do any further advice or anything. But just, No. yeah, Yeah.","start_word":7836,"end_word":7896,"sentiment":"neutral","sentiment_score":0.14603720605373385},{"text":"let us know how you're going with everything.","start_word":7897,"end_word":7904,"sentiment":"positive","sentiment_score":0.3446064591407776},{"text":"And if it is that you do transition couple it to a self funded super fund for the property, Caden, who will be the the person kind of running that case management department that you would hear from, will then Yep.","start_word":7905,"end_word":7945,"sentiment":"neutral","sentiment_score":0.25953003764152527},{"text":"be able to help you transition out, place the salary investments, and everything on your behalf Yep. and also kind of assist you with the insurances and what would happen.","start_word":7946,"end_word":7975,"sentiment":"positive","sentiment_score":0.3846475481986999},{"text":"But you can also respond to him if you decide that you've changed your mind and you want to stay on for a little bit. You Yep. can just let him know, and then he would then book you back in with me to have a further discussion in regards to your goals and everything like that.","start_word":7976,"end_word":8032,"sentiment":"neutral","sentiment_score":0.3011801242828369},{"text":"Okay. Good. Yeah. So, Cool. obviously, there was a lot of information.","start_word":8033,"end_word":8044,"sentiment":"positive","sentiment_score":0.4040034413337707},{"text":"Yeah. Have a look through that email later when you have a moment. Like I said, you'll hear from my colleague, Kaden. But if there's anything else that you need from me or us at any point in time, just just let us know.","start_word":8045,"end_word":8088,"sentiment":"neutral","sentiment_score":0.28473010659217834},{"text":"We're always here to help.","start_word":8089,"end_word":8093,"sentiment":"positive","sentiment_score":0.4773219227790833},{"text":"And, again, I am very sorry that you haven't had the best experience up until this point.","start_word":8094,"end_word":8110,"sentiment":"negative","sentiment_score":-0.4426966905593872},{"text":"Yeah.","start_word":8111,"end_word":8111,"sentiment":"neutral","sentiment_score":-0.2574022114276886},{"text":"That's not what I like to hear. That's not obviously how how we want things.","start_word":8112,"end_word":8126,"sentiment":"negative","sentiment_score":-0.513312041759491},{"text":"So, yeah, if I don't speak from you or if I don't speak to you again, obviously, I wish you all the best for the self managed super fund and the property and everything, and I hope that's, you know, achieving all those goals for you. But if not, I'd be more than happy to explore different advice strategies for you as well. So, obviously, I take your time and decide what you would like to do.","start_word":8127,"end_word":8203,"sentiment":"neutral","sentiment_score":0.28042108942935995},{"text":"Cool.","start_word":8204,"end_word":8204,"sentiment":"positive","sentiment_score":0.5630897283554077},{"text":"And Yeah. I'll respond to your email too that you sent through. Yes. Yep.","start_word":8205,"end_word":8218,"sentiment":"neutral","sentiment_score":0.2250619679689407},{"text":"Yeah. Perfect. Yep. Beautiful. Excellent.","start_word":8219,"end_word":8223,"sentiment":"positive","sentiment_score":0.6009294390678406},{"text":"Well, do you have any other questions for me before I let you go, Dean? No. No. That's it. No.","start_word":8224,"end_word":8243,"sentiment":"neutral","sentiment_score":0.07143504917621613},{"text":"That's been good, actually. Yeah. Yeah. Beautiful. Yeah.","start_word":8244,"end_word":8251,"sentiment":"positive","sentiment_score":0.421683132648468},{"text":"If there's anything you need, though, just call the office as well. You can always ask for me directly. If I'm on Yeah. the phone, they will they will book you in or give you a callback as soon as I come off the phone if there's anything else I can help you with.","start_word":8252,"end_word":8305,"sentiment":"neutral","sentiment_score":0.1270197331905365},{"text":"Okay. Thank you so much.","start_word":8306,"end_word":8310,"sentiment":"positive","sentiment_score":0.6559824347496033},{"text":"Yep. No worries, Dean. Well, all the best if I don't hear from you. Okay.","start_word":8311,"end_word":8325,"sentiment":"neutral","sentiment_score":0.06447809934616089},{"text":"Thank you.","start_word":8326,"end_word":8327,"sentiment":"positive","sentiment_score":0.5420729517936707},{"text":"No worries. We'll fix him. Bye. Bye.","start_word":8328,"end_word":8334,"sentiment":"neutral","sentiment_score":0.21025525033473969}],"average":{"sentiment":"neutral","sentiment_score":0.056955255842817305}}}}