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As I was saying before, just in regards to that statement of advice update. Now I know it has taken a while, so I do apologize. I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes. So it's been quite quite the eventful end of last year and start of the year. So I do apologize for the wait. Yeah. No problem. Just to get started on that one, if I could pass through security with that name, date of birth, and current address, and we can start on that one? One. Perfect. Thank you for that one. Now I will be sending out that statement advice piece to your email, which will bethej.cooper.82@hotmail.com. Is that correct? Perfect. I'll just send that through now. It may take a second just to come through there. While that is coming through, there are a few supporting documents in that as well. It's mainly the PDFs for the products that you do hold in regards to that and also the updated Oakview services guide and financial services guide there as well. If you have a browse through, if you wanna see some new faces and see who's working here at the moment, get to know them a little bit better because we know a fair bit about you. It's nice that you can know a little bit about us as well. Perfect. Now in regards to your account, so we see it's been a little bit there as well. Just with your personal circumstances, has anything changed majorly since we last spoke? Because I know it has been a little bit there. Yeah. I do remember you stating that. Okay. Yep. Yep. Okay. Not a problem. And was that through one of our mortgage brokers, or is that just someone you've gone to separately? Yeah. Could Yeah. A bit more set up and see what you sort of yeah. Because yeah. Exactly. Yeah. You probably have spoken to Grant before, so he's the one that's, like, directly associated with O. K. There are a few more other ones now that are part of, like, the OVA Alliance that but I'm sort of have started up as well. So, yeah, we can sort of refer you on to either sort of there is, you know, people because I believe Grant sort of stepped back a little bit now. Yeah. Yeah. I think he's got one foot out the door, which is good for him. You know? He's obviously worked hard. Yeah. Exactly. So there's a few other here that, yeah, have joined that sort of OVA lines that we can refer you on to as well that we've sort of met, and they're they're quite good. And as long as none of those details change, that's largely good there. And in regards to your personal, I know you're sort of focused on paying that down because it has been a bit long. And have you managed to sort of do alright with that at the moment? Brilliant. That's good to hear. And then so with that one there, has that Odoo come through with that document there, Julia? Right. So there is a copy. So the way that one works now, because I know you've used DocuSign previously as part of, like, the other changes as well with the different systems. But with that one, it does provide we provide the document as an attachment there as well. So you can go to the statement advice. That way, you can click on the link as well, and it does have the signable documents if you wanna review it that way as well. But feel free to just use the attachment, have a read through, see if you're happy with everything. It actually eventually had to be quite simple in terms of the advice after reviewing everything. So we did have a look at your military super and the portion that can potentially be rolled over. Now with that one and, like, the benefits you do receive in that fund versus, like, the the tax that may be payable, the hoops you need to jump through in terms of getting that money out to the the amount that's in there, It really didn't sort of work out to be beneficial. So we just sort of will leave it there because either way, you have to keep the defined benefit portion because we can't touch that anyway. And then it's about 40,000 that's in the member benefit that we could have potentially touched, but, you know, it might just be worth leaving it. It might just get a better return and better benefits in regards to that. And then with that one as well, if you were to sort of stop working at the age of 55, you know, depending on how things are going or not or how things are, you can actually draw down on that military super before the age of 60 if you aren't working and meet those conditions of release. So by keeping those funds there, it could sort of eventuate to an early retirement depending on how things are or if you're not working at the time and wanna access funds early. Just even sort of with the how the DBA thing goes as well and if whether or not you sort of end up not working and being on the that sort of pension amount. Perfect. So in regards to the advice piece itself, obviously, it's created for yourself by myself as an authorized representative for Oakview Financial. Now in regards to the best interest to you that's just stating if we can't put in a better position, we won't actually recommend it. It's sort of what we're bound by. As far as the scoping is considered, we did just sort of touch on superannuation estate planning side of things. The things that we're more sort of accountable for are the the budget saving, the debt management, and the the property down the track, which is sort of goals that you're working towards, but you didn't specifically request advice on. And then it's partially scoped in yet your military super and those personal insurances because with going through the DVA claim as well, now the policy do hold and because they weren't symptoms at the time of taking out that policy, that would likely result in exclusions on a new policy if we were to rewrite. So we wanna maintain your current insurances as well as you do get a benefit with inside your military super. It's not like life in TPD. It's a bit different in the way they sort of work it, but it is sort of an insurance at the end of the day as well. So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well. With that as well, yeah, we did sorta just recommend that you do set up a will. I know you did have a will a long time ago, but you've got sort of a few things that have changed since then. And you yeah. So we you can obviously find someone that's, you know, a bit more suited to you if you've got someone like the lawyer that works through the trust as well. You could sort of go to them and look at setting up a will. And then just with your your beneficiary nominations, just because you've got your your sisters nominated as well, they just might not form a valid nomination under the Sys Act. Yeah. So if you set up the will, you can nominate a legal personal representative, what should work we're recommending. And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will. Now the sort of risk with that obviously comes with estate versus non estate assets, and people can claim against, you know, if you got ex spouses, things like that that feel like, you know, they're entitled to some of your estate after you're gone. That does sort of open up the super to that. But if you don't have a valid nomination anyway, it's likely that it will end up at the estate at some point or another. It's just the time frame it takes to sort of get there if no one sort of makes a claim at your super if sort of did something were to occur. Perfect. Well, on page seven there, you'll see your details there. So, hopefully, that's all up to date. I know you're sort of, you know, aiming to save roughly around at $2.50. The income's around the $1.35 and your other details there as a safety adviser. Now on the next page is just an assets and liabilities where things are at. Now, obviously, with that as well, that's likely to change if you were to purchase a home now that you got preapproval, things like that as well. So with that, we can update that along the way as well. Once you're sort of looking at things and sort of reach out, we can sort of put you in touch with the mortgage broker and get you updated with things. As far as where things are at the moment, you do have that PT Panorama and the military super, and then you've got the BT Panorama or the BT Life policy within BT Panorama, which run at 318,000 of life and TPD, and then the income protection for that thirty days five year benefit. Now as I said, you don't currently have any exclusions because, you know, symptoms have arose from your time and service, things like that ongoing. If we were to rewrite a policy, they're likely enough exclusions. So we wanna maintain that policy just because they don't have those current exclusions listed, if that makes sense. Perfect. As far as your risk profile goes, so you did score a growth, which is slightly a little bit more risk adverse, but, unfortunately, you've got a fair bit of time until retirement or you can access your your regular super. So you do have the time to be able to take on a little bit more risk. We had that discussion around being in that high growth versus the growth, and you were comfortable with that ninety ten sort of split of growth to defensive assets. Is that still the case? Right. There's a little bit about a high growth portfolio if you wanna have a read through that as well. And then the gist of the recommendation is is obviously maintain that BT Panorama. Now BT is still quite a good product in terms of, like, service they provide. I'm not too sure if you've logged in and had a play around or not in their reporting or looking at your your superannuation or how it is tracking. Yeah. Yeah. Yeah. No. No problem. So we did compare it to a few others there as well. In terms of, like, the price you are paying, it is still comparable in the market, still competitive. And then it also means that you don't have to worry about selling down and, like, realizing any capital gains fully by moving funds. It's still a good product, and, you know, obviously, if you have no issues with it as well, that's good in itself as as well. By maintaining that as well, you don't have to go through the whole hassle of setting up a new product and getting to know a new sort of platform there. In addition to, you can maintain the same level of risk. We can still adjust things on BT Panorama. It's still quite a good platform for advisers there as well. Now with that, we're recommending that you do change your investment within that. So you'd give me a time on board. Obviously, a few things have changed and things like that as well since that time. And then the active investment, Bandalong, I'm not too sure if you heard their underlying investment they have called Corporate Traveler did have a bit of a moment there where they weren't reporting correctly and they got done for it. So with that, they had to reevaluate that stock. And as a result, Ben Long took a bit of a backwards step. So we are looking at removing you from that actively managed fund. Even though it has taken a loss, it's sort of something that was unforeseen, and it's also not Australian equities issue. It's not like the markets they're invested in. It's the actual fund and the investments they chose itself. So we're looking at getting you out of that just moving forward. And then in addition to that as well, we're looking at moving you to a fund that doesn't have an active portion, and it's moving you towards just standard index version. Now with that, it comes with lower costs because you don't have someone trying to outperform the market. So it's a little less in terms of risk, but you still have the same amount of growth assets. And then with that and the way the markets have been tracking, they have been tracking quite well. So that, hopefully, that indexed investment are not only paying less, but hopefully still tracks well and performs well over that next sort of three to five year period. Perfect. Now with that, there's always a degree of risk when sort of doing the buy and sells and the time it takes within that, the time out of the market. So that is a risk there. We did also look at just maintaining your current portfolio and just switching out that active managed panel, But we decided to move things around and update you to a more sort of appropriate model portfolio to where Oakview sort of has their investments going for the next sort of foreseeable future and updating as a whole. And then with that due to the the capital gains there, it offsets some of that by that loss in Bennelong, which is good, so it means you're not paying as much. So on page 15 there, you'll see the exact change in investments. Now with that one, you will be looking at moving up your weighting in gold and how that's been tracking removing Petaluma entirely. And then with that, there are sort of changes in regards to not being exposed as much in Japan, winding that back a little bit. And then also looking at back the S and P 500 just for how they've performed and bringing them more weight with the the portfolio and the recommendation. So there's still your call, the S and P 500. Just from how they're performing, we're just gonna bring them back in line with the recommended. We don't want it to take up too much your portfolio in terms of waiting. So that just adjusts it a little bit better moving forward, if that makes sense. Perfect. Now in regards to that on page 16 there, you'll see that you're currently in around 90 tenths split with your growth port a high growth portfolio there. With your current portfolio, it's around 84% in growth assets, whereas this will push you up to around 88. Now you will have slightly more assets in those growth portfolio alignment to get those higher returns potentially. But then with that as well, you don't have that active manager risk within the portfolio. So increasing the gross asset slightly, but then also reducing the manager risk as well within the fund. So hopefully, you experience a little less volatility moving forward as well. Do you have any questions in regards to that at all, Julie? Yeah. No. Okay. Not a problem. So this was one of the portfolios that Bart built there as well. So if you do have a bit of a problem, yeah, you can sort of have a go at him and see where he's still done. Yeah. So yeah. So when I say, like, obviously, Bart's part of the investment committee there. They update the portfolios quite regularly, and then this is one of the later portfolios that does remove the active managed portion. We can look to add the active management, but which is how they've been tracking recently and how the markets have been tracking with, you know, Trump playing around. They haven't been performing that great. There have been a few winners, but then also there have been quite a few losers in that space just with it's really unpredictable at the moment in terms of, like, how things are tracking. You know, Elon Musk is playing around there as well and then also causing Tesla to go ups and downs and things like that. So it's really hard sort of to gauge how things are tracking, especially when you have someone like that that goes down and just announces things randomly that cause the market to do backflips. As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving. Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return. Now the projection for the five year rolling average was around 19%, but, obviously, that's not gonna occur year on year on year. It is obviously just highlighting how things have gone. It's nothing's gonna replicate year on year like that again. But, hopefully, given that you're paying a lower cost, you do have that guaranteed savings in terms of that fee, which helps your super grow in addition to, hopefully, the fund that's recommended does perform better as well. So you get maybe that little bit of a double whammy, if that makes sense. Perfect. So, yeah, obviously, we're hoping for lower fees, lower costs, and then aiming for that higher return. As I'm so unfortunate, that return's never the king that's guaranteed. But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking. In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as well. As I said, to be taken with a grain of salt, but, you know, it's nice to see visually what that might look like if everything did replicate. The next section on there is in just regards to those beneficiary nominations. So we do recommend nominating that legal post representative. You only have to do it once, which is lucky because the BT Panorama is a platform policy. Now if you were to ever leave BT Panorama, we can look at making that policy stand alone with Tel, which is a bit of a process in itself, but it doesn't mean you are locked to the fund, but it just means at the moment it's on the platform there. You don't have to worry about doing two different nominations. You can just do the one, which is nice. A little bit of simplicity there for you. There is some advantages and disadvantages in regards to that, but I kinda touched on them there before. So feel free to have a read through of that. And if you were to sort of make an estate asset versus a non estate asset, obviously, if you get a spouse, you can look at changing that. Beneficiaries aren't locked in. We do recommend you sort of review them regularly to make sure that you are happy with them. You know, if you were to sort of have a partner down the track, you probably want them receive it. And, you know, the systems might take a little bit of a back burner. In terms of a will there, we obviously we're recommending you establish a will. We can pass along CDM's information again if you'd like. But in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well. Obviously, by having a will, it just distributes your assets the way you'd like them to be distributed, whether you've not got a few airline things you wanna pass along certain people, whether it's having, you know, power of attorney in the event that you were incapacitated. You know, you might be a pull the plug person, might be a not pull the plug person. And then with that, you can sort of put it in writing so it takes those decisions out of family members' hands if something were to sorta happen. It can sort of minimize, yeah, the stress in those times, if that makes sense as well. Yeah. I I might Yeah. I I probably wouldn't be one to to be on the machines either, so give me a few weeks. If things haven't turned around, you know, just let me go. Yeah. You know? Put put the yeah. Put the money towards maybe a nice coffin and call it a day. Spend on the wake. Yeah. And that's, yeah, leading on to that power of attorney section on page 24 there and the advantages and disadvantages of that. Obviously, you know, you don't have to have a power of attorney. You don't have to have advanced health care directive, things like that as well. But like I said, it does take those decisions out of the hands of family members. And, you know, some family members, you know, during those emotional times, might wanna keep you around. Whereas if you've got your decision on paper, it makes it a lot easier. In terms of yeah. Yeah. So as I said, I can pass on the information as well if you'd like again. Otherwise but yeah. Not a problem. Yeah. And then worst case scenario, if you don't wanna see a solicitor, you don't wanna pay the few $100 for a will and all things set up, you can get, like, a post office will, which is generally, like, you know, 50 to $100. And as long as you follow the steps, at least you've got something in place until such time you're sort of ready to get around to, you know, sitting down with a lawyer, drawing things out, those sort of things. Yeah. In terms of the adviser fee, so you're not on a regular adviser fee. You're on 1.49, which I believe Bart set up as well. It's outside of the normal sort of fees, but we're just maintaining that as well. If you feel like you're paying too much, feel free. You know, tell Tracy that tell Bart to pull his finger out, but that is lower than the the standard fee that we do have. So maybe with the growth in the estimated breaker, it might look like a sort of 4,400 bit over in terms of, like, a yearly fee. But as I said, that's based on, like, the gross projection as well. So if the market market store a little bit or they fluctuate or take a bit of a dive, you won't actually pay that amount. But if they do really well, you might end up paying a little bit more as well. But that does have growth projected into it, if that makes sense. Perfect. But in terms of, like, any other fees, you don't get charged, like, any other things, like, for the phone calls or pieces of paper or beneficiary forms, things like that. CGM does have their own pricing. Brokers get paid, obviously, through the institutions they lend with, so you don't have to pay out of pocket for those mortgage brokers. But, yeah, if you like to visit one of the OVA accountants or, you know, the lawyers there, it does come with their own separate fees. I think in terms of the advice to you, it's quite simple. As I said, it is basically just an investment update because we did review everything, but just based on, you know, we can't really touch the insurances at the moment just while you're going through that claims. We can potentially look at top up cover once you sort of purchase a property if you'd like to be covered for a bit more of your debt if you do purchase a place and having a a separate policy that may have those exclusions moving forward. But at least you'll have that current policy still in place there as well as that military super. And then once you're sort of happy with everything you did wanna sign the document, we'd deal with updating the portfolio. But when it comes to the the beneficiary forms and, you know, getting a will sorted in place, things like that, that is up to you and your own time there as well. We'll obviously follow you up, but I can't force you to draw up a will. But in in okay. Perfect. And in saying that too, I can send you a copy of your your beneficiary form for BT to be able to fill out as well and update. Perfect. But do you have any questions in regards to anything we've sort of discussed there, Julian? Yeah. It is quite quite straightforward and simple. That one, as I said I apologize for how long it has taken. But, yeah, a lot a lot of stuff going on. Yeah. No. It's perfectly fine. Yeah. It's probably a bit of both. Obviously, you know, it's not a call you wanna take every afternoon when I take up forty minutes of your time to talk about random financial advice. Right. It's perfect. In terms of the advice piece there, obviously, feel free to have a read through. I didn't sort of skim through. I don't wanna take up all of your afternoon once you've had a busy day, but feel free to have a little read through it, see if you're happy with everything. There are links in your pen to the recommended investments, so feel free to have a look at those as well, see if you're happy with everything. If you wanna look at maybe changing things or, you know, you see something you don't like, feel free to give us a callback. Otherwise, if you did sign it, it redoes that advice fee, those, like, ongoing service claim if you're happy to stay on for the next twelve months in addition to we'll get those advice sorted with the investment switch as well. But did you want any other updates in regards to to anything while you've got me? Or perfect. And then did I end up sending you a copy of the of your budget planner for, you know, your budgeting and sort of dealing with the the personal loan and savings for the property? Is that something you want me to send again just quickly or are you yeah. It's just a nice nice tool. Yeah. Just when you sort of especially when you start saving a little bit heavy for the house, you know, you might be able to see where you might be able to cut back on a few discretionary spending. I know myself, I've got a few too many streaming services, I believe. I I know. You almost need to do a rotation of each month, but it's so much hassle with the administration of doing that, isn't it? Yeah. That one. Yeah. I'm in the same boat, and then each year they put up their prices, and I'm just stuck there paying it each year. Yeah. And it it works out to be quite a bit more over the period of twelve months. Yeah. I will send that through us. And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off? Perfect. Not a problem at all. Well, I'll get those things sorted there for you. I'll attach all those, and I'll get that done after this call. Otherwise, that is basically all from me. If you didn't have any questions in regards to that, as I said, feel free to have a read through the advantages and disadvantages a little bit more in-depth. But I didn't wanna take up all all your time there and cut into your dinner time and maybe some your maths this afternoon. Who who knows what's gonna happen during that? I tend to get a few of the updates in the office on what's going on, so it's probably interesting. Well, you you you'll have to make sure you're up to date then so you can get in on the office. Just to contribute at the smoker. Yeah. Yeah. Exactly. Yeah. Yeah. It's like the the guys that don't actually watch football, but they hear it on the radio, and they just say the few phrases. You just gotta get to get in there with a few things, and you'll be right. Exactly. And then just take it back, Brenna, and let it all unfold. Alright, Julie. It's been a pleasure speaking to you the this afternoon, but I'll I'll let you get back to it. But any questions, feel like giving me a callback. It's not a problem. We can schedule back in and have a chat. No problem at all. You enjoy the rest of the afternoon. Thanks for your time. 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afternoon, Julie. It's Carl calling back from. How are you? Good. Have I got you at a better time now?\n\nGreat. Yes. As I was saying before, just in regards to that statement of advice update. Now I know it has taken a while, so I do apologize. I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes.\n\nSo it's been quite quite the eventful end of last year and start of the year. So I do apologize for the wait. Yeah. No problem. Just to get started on that one, if I could pass through security with that name, date of birth, and current address, and we can start on that one?\n\nOne. Perfect. Thank you for that one. Now I will be sending out that statement advice piece to your email, which will bethej.cooper.82@hotmail.com. Is that correct?\n\nPerfect. I'll just send that through now. It may take a second just to come through there. While that is coming through, there are a few supporting documents in that as well. It's mainly the PDFs for the products that you do hold in regards to that and also the updated Oakview services guide and financial services guide there as well.\n\nIf you have a browse through, if you wanna see some new faces and see who's working here at the moment, get to know them a little bit better because we know a fair bit about you. It's nice that you can know a little bit about us as well. Perfect. Now in regards to your account, so we see it's been a little bit there as well. Just with your personal circumstances, has anything changed majorly since we last spoke?\n\nBecause I know it has been a little bit there. Yeah. I do remember you stating that. Okay. Yep.\n\nYep. Okay. Not a problem. And was that through one of our mortgage brokers, or is that just someone you've gone to separately? Yeah.\n\nCould Yeah. A bit more set up and see what you sort of yeah. Because yeah. Exactly. Yeah.\n\nYou probably have spoken to Grant before, so he's the one that's, like, directly associated with O. K. There are a few more other ones now that are part of, like, the OVA Alliance that but I'm sort of have started up as well. So, yeah, we can sort of refer you on to either sort of there is, you know, people because I believe Grant sort of stepped back a little bit now. Yeah.\n\nYeah. I think he's got one foot out the door, which is good for him. You know? He's obviously worked hard. Yeah.\n\nExactly. So there's a few other here that, yeah, have joined that sort of OVA lines that we can refer you on to as well that we've sort of met, and they're they're quite good. And as long as none of those details change, that's largely good there. And in regards to your personal, I know you're sort of focused on paying that down because it has been a bit long. And have you managed to sort of do alright with that at the moment?\n\nBrilliant. That's good to hear. And then so with that one there, has that Odoo come through with that document there, Julia? Right. So there is a copy.\n\nSo the way that one works now, because I know you've used DocuSign previously as part of, like, the other changes as well with the different systems. But with that one, it does provide we provide the document as an attachment there as well. So you can go to the statement advice. That way, you can click on the link as well, and it does have the signable documents if you wanna review it that way as well. But feel free to just use the attachment, have a read through, see if you're happy with everything.\n\nIt actually eventually had to be quite simple in terms of the advice after reviewing everything. So we did have a look at your military super and the portion that can potentially be rolled over. Now with that one and, like, the benefits you do receive in that fund versus, like, the the tax that may be payable, the hoops you need to jump through in terms of getting that money out to the the amount that's in there, It really didn't sort of work out to be beneficial. So we just sort of will leave it there because either way, you have to keep the defined benefit portion because we can't touch that anyway. And then it's about 40,000 that's in the member benefit that we could have potentially touched, but, you know, it might just be worth leaving it.\n\nIt might just get a better return and better benefits in regards to that. And then with that one as well, if you were to sort of stop working at the age of 55, you know, depending on how things are going or not or how things are, you can actually draw down on that military super before the age of 60 if you aren't working and meet those conditions of release. So by keeping those funds there, it could sort of eventuate to an early retirement depending on how things are or if you're not working at the time and wanna access funds early. Just even sort of with the how the DBA thing goes as well and if whether or not you sort of end up not working and being on the that sort of pension amount. Perfect.\n\nSo in regards to the advice piece itself, obviously, it's created for yourself by myself as an authorized representative for Oakview Financial. Now in regards to the best interest to you that's just stating if we can't put in a better position, we won't actually recommend it. It's sort of what we're bound by. As far as the scoping is considered, we did just sort of touch on superannuation estate planning side of things. The things that we're more sort of accountable for are the the budget saving, the debt management, and the the property down the track, which is sort of goals that you're working towards, but you didn't specifically request advice on.\n\nAnd then it's partially scoped in yet your military super and those personal insurances because with going through the DVA claim as well, now the policy do hold and because they weren't symptoms at the time of taking out that policy, that would likely result in exclusions on a new policy if we were to rewrite. So we wanna maintain your current insurances as well as you do get a benefit with inside your military super. It's not like life in TPD. It's a bit different in the way they sort of work it, but it is sort of an insurance at the end of the day as well. So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well.\n\nWith that as well, yeah, we did sorta just recommend that you do set up a will. I know you did have a will a long time ago, but you've got sort of a few things that have changed since then. And you yeah. So we you can obviously find someone that's, you know, a bit more suited to you if you've got someone like the lawyer that works through the trust as well. You could sort of go to them and look at setting up a will.\n\nAnd then just with your your beneficiary nominations, just because you've got your your sisters nominated as well, they just might not form a valid nomination under the Sys Act. Yeah. So if you set up the will, you can nominate a legal personal representative, what should work we're recommending. And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will. Now the sort of risk with that obviously comes with estate versus non estate assets, and people can claim against, you know, if you got ex spouses, things like that that feel like, you know, they're entitled to some of your estate after you're gone.\n\nThat does sort of open up the super to that. But if you don't have a valid nomination anyway, it's likely that it will end up at the estate at some point or another. It's just the time frame it takes to sort of get there if no one sort of makes a claim at your super if sort of did something were to occur. Perfect. Well, on page seven there, you'll see your details there.\n\nSo, hopefully, that's all up to date. I know you're sort of, you know, aiming to save roughly around at $2.50. The income's around the $1.35 and your other details there as a safety adviser. Now on the next page is just an assets and liabilities where things are at. Now, obviously, with that as well, that's likely to change if you were to purchase a home now that you got preapproval, things like that as well.\n\nSo with that, we can update that along the way as well. Once you're sort of looking at things and sort of reach out, we can sort of put you in touch with the mortgage broker and get you updated with things. As far as where things are at the moment, you do have that PT Panorama and the military super, and then you've got the BT Panorama or the BT Life policy within BT Panorama, which run at 318,000 of life and TPD, and then the income protection for that thirty days five year benefit. Now as I said, you don't currently have any exclusions because, you know, symptoms have arose from your time and service, things like that ongoing. If we were to rewrite a policy, they're likely enough exclusions.\n\nSo we wanna maintain that policy just because they don't have those current exclusions listed, if that makes sense. Perfect. As far as your risk profile goes, so you did score a growth, which is slightly a little bit more risk adverse, but, unfortunately, you've got a fair bit of time until retirement or you can access your your regular super. So you do have the time to be able to take on a little bit more risk. We had that discussion around being in that high growth versus the growth, and you were comfortable with that ninety ten sort of split of growth to defensive assets.\n\nIs that still the case? Right. There's a little bit about a high growth portfolio if you wanna have a read through that as well. And then the gist of the recommendation is is obviously maintain that BT Panorama. Now BT is still quite a good product in terms of, like, service they provide.\n\nI'm not too sure if you've logged in and had a play around or not in their reporting or looking at your your superannuation or how it is tracking. Yeah. Yeah. Yeah. No.\n\nNo problem. So we did compare it to a few others there as well. In terms of, like, the price you are paying, it is still comparable in the market, still competitive. And then it also means that you don't have to worry about selling down and, like, realizing any capital gains fully by moving funds. It's still a good product, and, you know, obviously, if you have no issues with it as well, that's good in itself as as well.\n\nBy maintaining that as well, you don't have to go through the whole hassle of setting up a new product and getting to know a new sort of platform there. In addition to, you can maintain the same level of risk. We can still adjust things on BT Panorama. It's still quite a good platform for advisers there as well. Now with that, we're recommending that you do change your investment within that.\n\nSo you'd give me a time on board. Obviously, a few things have changed and things like that as well since that time. And then the active investment, Bandalong, I'm not too sure if you heard their underlying investment they have called Corporate Traveler did have a bit of a moment there where they weren't reporting correctly and they got done for it. So with that, they had to reevaluate that stock. And as a result, Ben Long took a bit of a backwards step.\n\nSo we are looking at removing you from that actively managed fund. Even though it has taken a loss, it's sort of something that was unforeseen, and it's also not Australian equities issue. It's not like the markets they're invested in. It's the actual fund and the investments they chose itself. So we're looking at getting you out of that just moving forward.\n\nAnd then in addition to that as well, we're looking at moving you to a fund that doesn't have an active portion, and it's moving you towards just standard index version. Now with that, it comes with lower costs because you don't have someone trying to outperform the market. So it's a little less in terms of risk, but you still have the same amount of growth assets. And then with that and the way the markets have been tracking, they have been tracking quite well. So that, hopefully, that indexed investment are not only paying less, but hopefully still tracks well and performs well over that next sort of three to five year period.\n\nPerfect. Now with that, there's always a degree of risk when sort of doing the buy and sells and the time it takes within that, the time out of the market. So that is a risk there. We did also look at just maintaining your current portfolio and just switching out that active managed panel, But we decided to move things around and update you to a more sort of appropriate model portfolio to where Oakview sort of has their investments going for the next sort of foreseeable future and updating as a whole. And then with that due to the the capital gains there, it offsets some of that by that loss in Bennelong, which is good, so it means you're not paying as much.\n\nSo on page 15 there, you'll see the exact change in investments. Now with that one, you will be looking at moving up your weighting in gold and how that's been tracking removing Petaluma entirely. And then with that, there are sort of changes in regards to not being exposed as much in Japan, winding that back a little bit. And then also looking at back the S and P 500 just for how they've performed and bringing them more weight with the the portfolio and the recommendation. So there's still your call, the S and P 500.\n\nJust from how they're performing, we're just gonna bring them back in line with the recommended. We don't want it to take up too much your portfolio in terms of waiting. So that just adjusts it a little bit better moving forward, if that makes sense. Perfect. Now in regards to that on page 16 there, you'll see that you're currently in around 90 tenths split with your growth port a high growth portfolio there.\n\nWith your current portfolio, it's around 84% in growth assets, whereas this will push you up to around 88. Now you will have slightly more assets in those growth portfolio alignment to get those higher returns potentially. But then with that as well, you don't have that active manager risk within the portfolio. So increasing the gross asset slightly, but then also reducing the manager risk as well within the fund. So hopefully, you experience a little less volatility moving forward as well.\n\nDo you have any questions in regards to that at all, Julie? Yeah. No. Okay. Not a problem.\n\nSo this was one of the portfolios that Bart built there as well. So if you do have a bit of a problem, yeah, you can sort of have a go at him and see where he's still done. Yeah. So yeah. So when I say, like, obviously, Bart's part of the investment committee there.\n\nThey update the portfolios quite regularly, and then this is one of the later portfolios that does remove the active managed portion. We can look to add the active management, but which is how they've been tracking recently and how the markets have been tracking with, you know, Trump playing around. They haven't been performing that great. There have been a few winners, but then also there have been quite a few losers in that space just with it's really unpredictable at the moment in terms of, like, how things are tracking. You know, Elon Musk is playing around there as well and then also causing Tesla to go ups and downs and things like that.\n\nSo it's really hard sort of to gauge how things are tracking, especially when you have someone like that that goes down and just announces things randomly that cause the market to do backflips. As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving. Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return. Now the projection for the five year rolling average was around 19%, but, obviously, that's not gonna occur year on year on year. It is obviously just highlighting how things have gone.\n\nIt's nothing's gonna replicate year on year like that again. But, hopefully, given that you're paying a lower cost, you do have that guaranteed savings in terms of that fee, which helps your super grow in addition to, hopefully, the fund that's recommended does perform better as well. So you get maybe that little bit of a double whammy, if that makes sense. Perfect. So, yeah, obviously, we're hoping for lower fees, lower costs, and then aiming for that higher return.\n\nAs I'm so unfortunate, that return's never the king that's guaranteed. But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking. In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as well. As I said, to be taken with a grain of salt, but, you know, it's nice to see visually what that might look like if everything did replicate. The next section on there is in just regards to those beneficiary nominations.\n\nSo we do recommend nominating that legal post representative. You only have to do it once, which is lucky because the BT Panorama is a platform policy. Now if you were to ever leave BT Panorama, we can look at making that policy stand alone with Tel, which is a bit of a process in itself, but it doesn't mean you are locked to the fund, but it just means at the moment it's on the platform there. You don't have to worry about doing two different nominations. You can just do the one, which is nice.\n\nA little bit of simplicity there for you. There is some advantages and disadvantages in regards to that, but I kinda touched on them there before. So feel free to have a read through of that. And if you were to sort of make an estate asset versus a non estate asset, obviously, if you get a spouse, you can look at changing that. Beneficiaries aren't locked in.\n\nWe do recommend you sort of review them regularly to make sure that you are happy with them. You know, if you were to sort of have a partner down the track, you probably want them receive it. And, you know, the systems might take a little bit of a back burner. In terms of a will there, we obviously we're recommending you establish a will. We can pass along CDM's information again if you'd like.\n\nBut in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well. Obviously, by having a will, it just distributes your assets the way you'd like them to be distributed, whether you've not got a few airline things you wanna pass along certain people, whether it's having, you know, power of attorney in the event that you were incapacitated. You know, you might be a pull the plug person, might be a not pull the plug person. And then with that, you can sort of put it in writing so it takes those decisions out of family members' hands if something were to sorta happen. It can sort of minimize, yeah, the stress in those times, if that makes sense as well.\n\nYeah. I I might Yeah. I I probably wouldn't be one to to be on the machines either, so give me a few weeks. If things haven't turned around, you know, just let me go. Yeah.\n\nYou know? Put put the yeah. Put the money towards maybe a nice coffin and call it a day. Spend on the wake. Yeah.\n\nAnd that's, yeah, leading on to that power of attorney section on page 24 there and the advantages and disadvantages of that. Obviously, you know, you don't have to have a power of attorney. You don't have to have advanced health care directive, things like that as well. But like I said, it does take those decisions out of the hands of family members. And, you know, some family members, you know, during those emotional times, might wanna keep you around.\n\nWhereas if you've got your decision on paper, it makes it a lot easier. In terms of yeah. Yeah. So as I said, I can pass on the information as well if you'd like again. Otherwise but yeah.\n\nNot a problem. Yeah. And then worst case scenario, if you don't wanna see a solicitor, you don't wanna pay the few $100 for a will and all things set up, you can get, like, a post office will, which is generally, like, you know, 50 to $100. And as long as you follow the steps, at least you've got something in place until such time you're sort of ready to get around to, you know, sitting down with a lawyer, drawing things out, those sort of things. Yeah.\n\nIn terms of the adviser fee, so you're not on a regular adviser fee. You're on 1.49, which I believe Bart set up as well. It's outside of the normal sort of fees, but we're just maintaining that as well. If you feel like you're paying too much, feel free. You know, tell Tracy that tell Bart to pull his finger out, but that is lower than the the standard fee that we do have.\n\nSo maybe with the growth in the estimated breaker, it might look like a sort of 4,400 bit over in terms of, like, a yearly fee. But as I said, that's based on, like, the gross projection as well. So if the market market store a little bit or they fluctuate or take a bit of a dive, you won't actually pay that amount. But if they do really well, you might end up paying a little bit more as well. But that does have growth projected into it, if that makes sense.\n\nPerfect. But in terms of, like, any other fees, you don't get charged, like, any other things, like, for the phone calls or pieces of paper or beneficiary forms, things like that. CGM does have their own pricing. Brokers get paid, obviously, through the institutions they lend with, so you don't have to pay out of pocket for those mortgage brokers. But, yeah, if you like to visit one of the OVA accountants or, you know, the lawyers there, it does come with their own separate fees.\n\nI think in terms of the advice to you, it's quite simple. As I said, it is basically just an investment update because we did review everything, but just based on, you know, we can't really touch the insurances at the moment just while you're going through that claims. We can potentially look at top up cover once you sort of purchase a property if you'd like to be covered for a bit more of your debt if you do purchase a place and having a a separate policy that may have those exclusions moving forward. But at least you'll have that current policy still in place there as well as that military super. And then once you're sort of happy with everything you did wanna sign the document, we'd deal with updating the portfolio.\n\nBut when it comes to the the beneficiary forms and, you know, getting a will sorted in place, things like that, that is up to you and your own time there as well. We'll obviously follow you up, but I can't force you to draw up a will. But in in okay. Perfect. And in saying that too, I can send you a copy of your your beneficiary form for BT to be able to fill out as well and update.\n\nPerfect. But do you have any questions in regards to anything we've sort of discussed there, Julian? Yeah. It is quite quite straightforward and simple. That one, as I said I apologize for how long it has taken.\n\nBut, yeah, a lot a lot of stuff going on. Yeah. No. It's perfectly fine. Yeah.\n\nIt's probably a bit of both. Obviously, you know, it's not a call you wanna take every afternoon when I take up forty minutes of your time to talk about random financial advice. Right. It's perfect. In terms of the advice piece there, obviously, feel free to have a read through.\n\nI didn't sort of skim through. I don't wanna take up all of your afternoon once you've had a busy day, but feel free to have a little read through it, see if you're happy with everything. There are links in your pen to the recommended investments, so feel free to have a look at those as well, see if you're happy with everything. If you wanna look at maybe changing things or, you know, you see something you don't like, feel free to give us a callback. Otherwise, if you did sign it, it redoes that advice fee, those, like, ongoing service claim if you're happy to stay on for the next twelve months in addition to we'll get those advice sorted with the investment switch as well.\n\nBut did you want any other updates in regards to to anything while you've got me? Or perfect. And then did I end up sending you a copy of the of your budget planner for, you know, your budgeting and sort of dealing with the the personal loan and savings for the property? Is that something you want me to send again just quickly or are you yeah. It's just a nice nice tool.\n\nYeah. Just when you sort of especially when you start saving a little bit heavy for the house, you know, you might be able to see where you might be able to cut back on a few discretionary spending. I know myself, I've got a few too many streaming services, I believe. I I know. You almost need to do a rotation of each month, but it's so much hassle with the administration of doing that, isn't it?\n\nYeah. That one. Yeah. I'm in the same boat, and then each year they put up their prices, and I'm just stuck there paying it each year. Yeah.\n\nAnd it it works out to be quite a bit more over the period of twelve months. Yeah. I will send that through us. And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off? Perfect.\n\nNot a problem at all. Well, I'll get those things sorted there for you. I'll attach all those, and I'll get that done after this call. Otherwise, that is basically all from me. If you didn't have any questions in regards to that, as I said, feel free to have a read through the advantages and disadvantages a little bit more in-depth.\n\nBut I didn't wanna take up all all your time there and cut into your dinner time and maybe some your maths this afternoon. Who who knows what's gonna happen during that? I tend to get a few of the updates in the office on what's going on, so it's probably interesting. Well, you you you'll have to make sure you're up to date then so you can get in on the office. Just to contribute at the smoker.\n\nYeah. Yeah. Exactly. Yeah. Yeah.\n\nIt's like the the guys that don't actually watch football, but they hear it on the radio, and they just say the few phrases. You just gotta get to get in there with a few things, and you'll be right. Exactly. And then just take it back, Brenna, and let it all unfold. Alright, Julie.\n\nIt's been a pleasure speaking to you the this afternoon, but I'll I'll let you get back to it. But any questions, feel like giving me a callback. It's not a problem. We can schedule back in and have a chat. No problem at all.\n\nYou enjoy the rest of the afternoon. Thanks for your time. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Julie.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.23798806965351105},{"text":"It's Carl calling back from.","start":3.36,"end":4.74,"sentiment":"neutral","sentiment_score":0.16299434304237365},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.17592031757036844},{"text":"Good.","start":7.8399997,"end":8.24,"sentiment":"positive","sentiment_score":0.3623715937137604},{"text":"Have I got you at a better time now?","start":8.24,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.24741698470380571}],"sentiment":"neutral","sentiment_score":0.22122958728245326,"num_words":21,"start":2.56,"end":10.0199995},{"sentences":[{"text":"Great.","start":13.759999,"end":14.259999,"sentiment":"positive","sentiment_score":0.5800251960754395},{"text":"Yes.","start":15.215,"end":15.455,"sentiment":"neutral","sentiment_score":0.1865893304347992},{"text":"As I was saying before, just in regards to that statement of advice update.","start":15.455,"end":19.055,"sentiment":"neutral","sentiment_score":0.041201001166232994},{"text":"Now I know it has taken a while, so I do apologize.","start":19.055,"end":21.135,"sentiment":"neutral","sentiment_score":-0.087792684789747},{"text":"I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes.","start":21.135,"end":28.619999,"sentiment":"neutral","sentiment_score":-0.09768822310226304}],"sentiment":"neutral","sentiment_score":-0.043667034312550514,"num_words":56,"start":13.759999,"end":28.619999},{"sentences":[{"text":"So it's been quite quite the eventful end of last year and start of the year.","start":28.619999,"end":32.38,"sentiment":"neutral","sentiment_score":-0.18044608645141125},{"text":"So I do apologize for the wait.","start":32.38,"end":34.32,"sentiment":"neutral","sentiment_score":-0.09682921426636833},{"text":"Yeah.","start":36.059998,"end":36.54,"sentiment":"neutral","sentiment_score":0.04289121925830841},{"text":"No problem.","start":36.54,"end":38.0,"sentiment":"neutral","sentiment_score":0.13073595613241196},{"text":"Just to get started on that one, if I could pass through security with that name, date of birth, and current address, and we can start on that one?","start":38.14,"end":43.365,"sentiment":"neutral","sentiment_score":0.09050813612752948}],"sentiment":"neutral","sentiment_score":-0.011560778252103112,"num_words":55,"start":28.619999,"end":43.365},{"sentences":[{"text":"One.","start":52.805,"end":53.045002,"sentiment":"neutral","sentiment_score":0.09090974926948547},{"text":"Perfect.","start":53.045002,"end":53.525,"sentiment":"positive","sentiment_score":0.43557339906692505},{"text":"Thank you for that one.","start":53.525,"end":54.665,"sentiment":"positive","sentiment_score":0.512896066904068},{"text":"Now I will be sending out that statement advice piece to your email, which will bethej.cooper.82@hotmail.com.","start":54.725002,"end":62.129997,"sentiment":"neutral","sentiment_score":0.14922630600631237},{"text":"Is that correct?","start":62.129997,"end":62.949997,"sentiment":"neutral","sentiment_score":0.08434039851029713}],"sentiment":"neutral","sentiment_score":0.22044636824956307,"num_words":26,"start":52.805,"end":62.949997},{"sentences":[{"text":"Perfect.","start":64.53,"end":64.85,"sentiment":"positive","sentiment_score":0.3677055239677429},{"text":"I'll just send that through now.","start":64.85,"end":65.729996,"sentiment":"neutral","sentiment_score":0.2192676638563474},{"text":"It may take a second just to come through there.","start":65.729996,"end":67.909996,"sentiment":"neutral","sentiment_score":0.08685129433870316},{"text":"While that is coming through, there are a few supporting documents in that as well.","start":67.97,"end":71.49,"sentiment":"neutral","sentiment_score":0.09130185147126516},{"text":"It's mainly the PDFs for the products that you do hold in regards to that and also the updated Oakview services guide and financial services guide there as well.","start":71.49,"end":81.895,"sentiment":"neutral","sentiment_score":0.11830466163569484}],"sentiment":"neutral","sentiment_score":0.12052766245896698,"num_words":61,"start":64.53,"end":81.895},{"sentences":[{"text":"If you have a browse through, if you wanna see some new faces and see who's working here at the moment, get to know them a little bit better because we know a fair bit about you.","start":82.354996,"end":89.73,"sentiment":"neutral","sentiment_score":0.1319215102372943},{"text":"It's nice that you can know a little bit about us as well.","start":89.73,"end":92.15,"sentiment":"positive","sentiment_score":0.3803529166258298},{"text":"Perfect.","start":94.850006,"end":95.350006,"sentiment":"positive","sentiment_score":0.337812602519989},{"text":"Now in regards to your account, so we see it's been a little bit there as well.","start":95.65,"end":99.65,"sentiment":"neutral","sentiment_score":0.05431177664329024},{"text":"Just with your personal circumstances, has anything changed majorly since we last spoke?","start":99.65,"end":103.41,"sentiment":"neutral","sentiment_score":-0.027587948080438834}],"sentiment":"neutral","sentiment_score":0.13244633673241846,"num_words":81,"start":82.354996,"end":103.41},{"sentences":[{"text":"Because I know it has been a little bit there.","start":103.41,"end":105.285,"sentiment":"neutral","sentiment_score":-0.022782514430582525},{"text":"Yeah.","start":117.365005,"end":117.605,"sentiment":"neutral","sentiment_score":0.0677376464009285},{"text":"I do remember you stating that.","start":117.605,"end":119.16,"sentiment":"neutral","sentiment_score":0.0513002493729194},{"text":"Okay.","start":126.76,"end":127.26,"sentiment":"neutral","sentiment_score":0.0972292497754097},{"text":"Yep.","start":129.56,"end":130.06,"sentiment":"neutral","sentiment_score":0.1839747428894043}],"sentiment":"neutral","sentiment_score":0.022574631105128088,"num_words":19,"start":103.41,"end":130.06},{"sentences":[{"text":"Yep.","start":143.735,"end":143.94,"sentiment":"neutral","sentiment_score":0.06076567620038986},{"text":"Okay.","start":144.18001,"end":144.66,"sentiment":"neutral","sentiment_score":0.03580860048532486},{"text":"Not a problem.","start":144.66,"end":145.48,"sentiment":"neutral","sentiment_score":-0.024909759561220806},{"text":"And was that through one of our mortgage brokers, or is that just someone you've gone to separately?","start":145.94,"end":151.32,"sentiment":"neutral","sentiment_score":0.002505133445892069},{"text":"Yeah.","start":158.1,"end":158.415,"sentiment":"neutral","sentiment_score":0.026696937158703804}],"sentiment":"neutral","sentiment_score":0.0039014307161172232,"num_words":24,"start":143.735,"end":158.415},{"sentences":[{"text":"Could Yeah.","start":172.575,"end":174.38,"sentiment":"neutral","sentiment_score":-0.010993918869644403},{"text":"A bit more set up and see what you sort of yeah.","start":174.38,"end":176.94,"sentiment":"neutral","sentiment_score":-0.030900352634489536},{"text":"Because yeah.","start":176.94,"end":183.34,"sentiment":"neutral","sentiment_score":-0.008542505092918873},{"text":"Exactly.","start":183.34,"end":183.84,"sentiment":"neutral","sentiment_score":0.02141616865992546},{"text":"Yeah.","start":184.3,"end":184.62,"sentiment":"neutral","sentiment_score":0.023464899510145187}],"sentiment":"neutral","sentiment_score":-0.020277556187162798,"num_words":18,"start":172.575,"end":184.62},{"sentences":[{"text":"You probably have spoken to Grant before, so he's the one that's, like, directly associated with O.","start":184.62,"end":188.33499,"sentiment":"neutral","sentiment_score":0.013083469615701367},{"text":"K.","start":188.33499,"end":188.495,"sentiment":"neutral","sentiment_score":0.009080354124307632},{"text":"There are a few more other ones now that are part of, like, the OVA Alliance that but I'm sort of have started up as well.","start":188.495,"end":195.055,"sentiment":"neutral","sentiment_score":0.023573380393477585},{"text":"So, yeah, we can sort of refer you on to either sort of there is, you know, people because I believe Grant sort of stepped back a little bit now.","start":195.055,"end":202.46,"sentiment":"neutral","sentiment_score":-0.023595991358160973},{"text":"Yeah.","start":205.4,"end":205.9,"sentiment":"neutral","sentiment_score":0.02240675874054432}],"sentiment":"neutral","sentiment_score":0.0021191232775648436,"num_words":75,"start":184.62,"end":205.9},{"sentences":[{"text":"Yeah.","start":206.44,"end":206.76,"sentiment":"neutral","sentiment_score":0.13299204409122467},{"text":"I think he's got one foot out the door, which is good for him.","start":206.76,"end":209.48,"sentiment":"positive","sentiment_score":0.37573800129549845},{"text":"You know?","start":209.48,"end":209.8,"sentiment":"neutral","sentiment_score":0.15453357994556427},{"text":"He's obviously worked hard.","start":209.8,"end":211.42,"sentiment":"positive","sentiment_score":0.4775869883596897},{"text":"Yeah.","start":211.72,"end":212.12,"sentiment":"neutral","sentiment_score":0.20239537954330444}],"sentiment":"positive","sentiment_score":0.35523338886824524,"num_words":22,"start":206.44,"end":212.12},{"sentences":[{"text":"Exactly.","start":212.12,"end":212.62,"sentiment":"neutral","sentiment_score":0.13185732066631317},{"text":"So there's a few other here that, yeah, have joined that sort of OVA lines that we can refer you on to as well that we've sort of met, and they're they're quite good.","start":212.76,"end":220.895,"sentiment":"neutral","sentiment_score":0.22385445478207924},{"text":"And as long as none of those details change, that's largely good there.","start":221.91501,"end":225.535,"sentiment":"positive","sentiment_score":0.39126169223051804},{"text":"And in regards to your personal, I know you're sort of focused on paying that down because it has been a bit long.","start":225.835,"end":230.63501,"sentiment":"neutral","sentiment_score":0.07655187939172206},{"text":"And have you managed to sort of do alright with that at the moment?","start":230.63501,"end":233.42,"sentiment":"neutral","sentiment_score":0.04867900788251843}],"sentiment":"neutral","sentiment_score":0.1796648249249248,"num_words":85,"start":212.12,"end":233.42},{"sentences":[{"text":"Brilliant.","start":240.68,"end":241.18,"sentiment":"positive","sentiment_score":0.7225884199142456},{"text":"That's good to hear.","start":241.24,"end":242.46,"sentiment":"positive","sentiment_score":0.3390427343547344},{"text":"And then so with that one there, has that Odoo come through with that document there, Julia?","start":243.095,"end":247.275,"sentiment":"neutral","sentiment_score":0.057065410539507866},{"text":"Right.","start":255.495,"end":255.995,"sentiment":"neutral","sentiment_score":0.05183248221874237},{"text":"So there is a copy.","start":256.30002,"end":257.66,"sentiment":"neutral","sentiment_score":0.03978079557418823}],"sentiment":"neutral","sentiment_score":0.11784313559266073,"num_words":28,"start":240.68,"end":257.66},{"sentences":[{"text":"So the way that one works now, because I know you've used DocuSign previously as part of, like, the other changes as well with the different systems.","start":257.66,"end":263.28003,"sentiment":"neutral","sentiment_score":0.10248187612052317},{"text":"But with that one, it does provide we provide the document as an attachment there as well.","start":264.62003,"end":268.86002,"sentiment":"neutral","sentiment_score":0.10993189452325597},{"text":"So you can go to the statement advice.","start":268.86002,"end":270.14,"sentiment":"neutral","sentiment_score":0.10947741195559502},{"text":"That way, you can click on the link as well, and it does have the signable documents if you wanna review it that way as well.","start":270.14,"end":276.285,"sentiment":"neutral","sentiment_score":0.13917914405465126},{"text":"But feel free to just use the attachment, have a read through, see if you're happy with everything.","start":276.585,"end":280.445,"sentiment":"neutral","sentiment_score":0.19928668273819816}],"sentiment":"neutral","sentiment_score":0.13247385617190352,"num_words":96,"start":257.66,"end":280.445},{"sentences":[{"text":"It actually eventually had to be quite simple in terms of the advice after reviewing everything.","start":280.745,"end":284.66498,"sentiment":"neutral","sentiment_score":0.14442693255841732},{"text":"So we did have a look at your military super and the portion that can potentially be rolled over.","start":284.66498,"end":290.44998,"sentiment":"neutral","sentiment_score":0.07653587742855675},{"text":"Now with that one and, like, the benefits you do receive in that fund versus, like, the the tax that may be payable, the hoops you need to jump through in terms of getting that money out to the the amount that's in there, It really didn't sort of work out to be beneficial.","start":290.44998,"end":303.48502,"sentiment":"neutral","sentiment_score":-0.0032728027069458257},{"text":"So we just sort of will leave it there because either way, you have to keep the defined benefit portion because we can't touch that anyway.","start":304.745,"end":311.165,"sentiment":"neutral","sentiment_score":0.03562210801129158},{"text":"And then it's about 40,000 that's in the member benefit that we could have potentially touched, but, you know, it might just be worth leaving it.","start":311.225,"end":317.56,"sentiment":"neutral","sentiment_score":-0.056683594217667214}],"sentiment":"neutral","sentiment_score":0.021565124854868185,"num_words":141,"start":280.745,"end":317.56},{"sentences":[{"text":"It might just get a better return and better benefits in regards to that.","start":317.56,"end":321.25998,"sentiment":"neutral","sentiment_score":0.185047483337777},{"text":"And then with that one as well, if you were to sort of stop working at the age of 55, you know, depending on how things are going or not or how things are, you can actually draw down on that military super before the age of 60 if you aren't working and meet those conditions of release.","start":321.31998,"end":336.005,"sentiment":"neutral","sentiment_score":-0.2715775342337016},{"text":"So by keeping those funds there, it could sort of eventuate to an early retirement depending on how things are or if you're not working at the time and wanna access funds early.","start":336.625,"end":345.81,"sentiment":"neutral","sentiment_score":0.012304142681938229},{"text":"Just even sort of with the how the DBA thing goes as well and if whether or not you sort of end up not working and being on the that sort of pension amount.","start":346.35,"end":355.29498,"sentiment":"neutral","sentiment_score":-0.11578426674446639},{"text":"Perfect.","start":357.995,"end":358.495,"sentiment":"positive","sentiment_score":0.3730947971343994}],"sentiment":"neutral","sentiment_score":-0.1165597555892808,"num_words":140,"start":317.56,"end":358.495},{"sentences":[{"text":"So in regards to the advice piece itself, obviously, it's created for yourself by myself as an authorized representative for Oakview Financial.","start":359.35498,"end":365.775,"sentiment":"neutral","sentiment_score":0.039243013471026315},{"text":"Now in regards to the best interest to you that's just stating if we can't put in a better position, we won't actually recommend it.","start":366.25,"end":371.45,"sentiment":"negative","sentiment_score":-0.37118722856044767},{"text":"It's sort of what we're bound by.","start":371.45,"end":373.15,"sentiment":"neutral","sentiment_score":-0.21291013487747737},{"text":"As far as the scoping is considered, we did just sort of touch on superannuation estate planning side of things.","start":373.85,"end":378.73,"sentiment":"neutral","sentiment_score":-0.09679241999983787},{"text":"The things that we're more sort of accountable for are the the budget saving, the debt management, and the the property down the track, which is sort of goals that you're working towards, but you didn't specifically request advice on.","start":378.73,"end":391.095,"sentiment":"neutral","sentiment_score":0.0022290290333330633}],"sentiment":"neutral","sentiment_score":-0.10309993509170517,"num_words":114,"start":359.35498,"end":391.095},{"sentences":[{"text":"And then it's partially scoped in yet your military super and those personal insurances because with going through the DVA claim as well, now the policy do hold and because they weren't symptoms at the time of taking out that policy, that would likely result in exclusions on a new policy if we were to rewrite.","start":391.155,"end":407.255,"sentiment":"neutral","sentiment_score":-0.15882181296391146},{"text":"So we wanna maintain your current insurances as well as you do get a benefit with inside your military super.","start":407.255,"end":414.295,"sentiment":"neutral","sentiment_score":0.22160083763301372},{"text":"It's not like life in TPD.","start":414.295,"end":415.73502,"sentiment":"neutral","sentiment_score":-0.10786894212166469},{"text":"It's a bit different in the way they sort of work it, but it is sort of an insurance at the end of the day as well.","start":415.73502,"end":423.1,"sentiment":"neutral","sentiment_score":-0.022177733135996042},{"text":"So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well.","start":423.16,"end":437.315,"sentiment":"positive","sentiment_score":0.36578338877721267}],"sentiment":"neutral","sentiment_score":0.08786627537820761,"num_words":164,"start":391.155,"end":437.315},{"sentences":[{"text":"With that as well, yeah, we did sorta just recommend that you do set up a will.","start":438.575,"end":443.695,"sentiment":"neutral","sentiment_score":0.24801981098511638},{"text":"I know you did have a will a long time ago, but you've got sort of a few things that have changed since then.","start":443.695,"end":448.92,"sentiment":"neutral","sentiment_score":-0.03703644499182701},{"text":"And you yeah.","start":449.16,"end":454.28,"sentiment":"neutral","sentiment_score":-0.05831305434306463},{"text":"So we you can obviously find someone that's, you know, a bit more suited to you if you've got someone like the lawyer that works through the trust as well.","start":454.28,"end":460.46002,"sentiment":"neutral","sentiment_score":0.13795961514115335},{"text":"You could sort of go to them and look at setting up a will.","start":460.6,"end":463.005,"sentiment":"neutral","sentiment_score":0.16789797906364715}],"sentiment":"neutral","sentiment_score":0.10956685346635905,"num_words":88,"start":438.575,"end":463.005},{"sentences":[{"text":"And then just with your your beneficiary nominations, just because you've got your your sisters nominated as well, they just might not form a valid nomination under the Sys Act.","start":463.565,"end":473.325,"sentiment":"neutral","sentiment_score":-0.19004344257215658},{"text":"Yeah.","start":473.325,"end":473.725,"sentiment":"neutral","sentiment_score":0.028893757611513134},{"text":"So if you set up the will, you can nominate a legal personal representative, what should work we're recommending.","start":473.725,"end":477.825,"sentiment":"neutral","sentiment_score":0.17855646069112577},{"text":"And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will.","start":478.44,"end":489.08,"sentiment":"neutral","sentiment_score":0.20194656112127835},{"text":"Now the sort of risk with that obviously comes with estate versus non estate assets, and people can claim against, you know, if you got ex spouses, things like that that feel like, you know, they're entitled to some of your estate after you're gone.","start":489.08,"end":501.125,"sentiment":"neutral","sentiment_score":-0.17937883254554537}],"sentiment":"neutral","sentiment_score":-0.023525252142025315,"num_words":131,"start":463.565,"end":501.125},{"sentences":[{"text":"That does sort of open up the super to that.","start":501.905,"end":504.245,"sentiment":"neutral","sentiment_score":-0.1317359499633312},{"text":"But if you don't have a valid nomination anyway, it's likely that it will end up at the estate at some point or another.","start":504.305,"end":509.26,"sentiment":"negative","sentiment_score":-0.41714318965872127},{"text":"It's just the time frame it takes to sort of get there if no one sort of makes a claim at your super if sort of did something were to occur.","start":509.26,"end":516.32,"sentiment":"neutral","sentiment_score":-0.272321542905223},{"text":"Perfect.","start":518.54,"end":519.04,"sentiment":"neutral","sentiment_score":0.007402118295431137},{"text":"Well, on page seven there, you'll see your details there.","start":519.18,"end":521.34,"sentiment":"neutral","sentiment_score":0.1353887788951397}],"sentiment":"neutral","sentiment_score":-0.24222992071391722,"num_words":76,"start":501.905,"end":521.34},{"sentences":[{"text":"So, hopefully, that's all up to date.","start":521.34,"end":523.04,"sentiment":"neutral","sentiment_score":0.31592278821127756},{"text":"I know you're sort of, you know, aiming to save roughly around at $2.50.","start":523.1,"end":526.075,"sentiment":"neutral","sentiment_score":0.3264903873205185},{"text":"The income's around the $1.35 and your other details there as a safety adviser.","start":526.075,"end":530.895,"sentiment":"neutral","sentiment_score":0.17308140226772853},{"text":"Now on the next page is just an assets and liabilities where things are at.","start":531.595,"end":535.535,"sentiment":"neutral","sentiment_score":0.07716123014688492},{"text":"Now, obviously, with that as well, that's likely to change if you were to purchase a home now that you got preapproval, things like that as well.","start":535.995,"end":542.62,"sentiment":"neutral","sentiment_score":0.09601394611376303}],"sentiment":"neutral","sentiment_score":0.168250124272588,"num_words":77,"start":521.34,"end":542.62},{"sentences":[{"text":"So with that, we can update that along the way as well.","start":543.24,"end":546.44,"sentiment":"neutral","sentiment_score":0.23291544616222382},{"text":"Once you're sort of looking at things and sort of reach out, we can sort of put you in touch with the mortgage broker and get you updated with things.","start":546.44,"end":551.74,"sentiment":"neutral","sentiment_score":0.16926964968442917},{"text":"As far as where things are at the moment, you do have that PT Panorama and the military super, and then you've got the BT Panorama or the BT Life policy within BT Panorama, which run at 318,000 of life and TPD, and then the income protection for that thirty days five year benefit.","start":554.395,"end":570.88,"sentiment":"neutral","sentiment_score":0.07801187935250777},{"text":"Now as I said, you don't currently have any exclusions because, you know, symptoms have arose from your time and service, things like that ongoing.","start":571.18,"end":578.0,"sentiment":"neutral","sentiment_score":-0.19405657440423965},{"text":"If we were to rewrite a policy, they're likely enough exclusions.","start":578.495,"end":581.295,"sentiment":"neutral","sentiment_score":-0.2087174504995346}],"sentiment":"neutral","sentiment_score":0.03741219707510688,"num_words":132,"start":543.24,"end":581.295},{"sentences":[{"text":"So we wanna maintain that policy just because they don't have those current exclusions listed, if that makes sense.","start":581.295,"end":587.39496,"sentiment":"neutral","sentiment_score":-0.0003100157788905673},{"text":"Perfect.","start":589.695,"end":590.195,"sentiment":"positive","sentiment_score":0.5742514729499817},{"text":"As far as your risk profile goes, so you did score a growth, which is slightly a little bit more risk adverse, but, unfortunately, you've got a fair bit of time until retirement or you can access your your regular super.","start":590.71,"end":600.89,"sentiment":"neutral","sentiment_score":-0.0519816258513346},{"text":"So you do have the time to be able to take on a little bit more risk.","start":600.95,"end":603.59,"sentiment":"neutral","sentiment_score":0.05206366584581487},{"text":"We had that discussion around being in that high growth versus the growth, and you were comfortable with that ninety ten sort of split of growth to defensive assets.","start":603.59,"end":610.685,"sentiment":"neutral","sentiment_score":0.06602776127642598}],"sentiment":"neutral","sentiment_score":0.011560765510668682,"num_words":107,"start":581.295,"end":610.685},{"sentences":[{"text":"Is that still the case?","start":610.685,"end":611.825,"sentiment":"neutral","sentiment_score":0.06364403516054154},{"text":"Right.","start":613.565,"end":614.065,"sentiment":"neutral","sentiment_score":0.20472396910190585},{"text":"There's a little bit about a high growth portfolio if you wanna have a read through that as well.","start":614.365,"end":618.28,"sentiment":"neutral","sentiment_score":0.10290614233695362},{"text":"And then the gist of the recommendation is is obviously maintain that BT Panorama.","start":619.14,"end":622.76,"sentiment":"neutral","sentiment_score":0.11877340716975075},{"text":"Now BT is still quite a good product in terms of, like, service they provide.","start":622.9,"end":626.98,"sentiment":"positive","sentiment_score":0.5856211225191752}],"sentiment":"neutral","sentiment_score":0.2393575071753865,"num_words":54,"start":610.685,"end":626.98},{"sentences":[{"text":"I'm not too sure if you've logged in and had a play around or not in their reporting or looking at your your superannuation or how it is tracking.","start":626.98,"end":633.635,"sentiment":"neutral","sentiment_score":-0.03163560499148122},{"text":"Yeah.","start":636.815,"end":637.315,"sentiment":"neutral","sentiment_score":-0.005035819485783577},{"text":"Yeah.","start":637.935,"end":638.435,"sentiment":"neutral","sentiment_score":0.06492407619953156},{"text":"Yeah.","start":639.935,"end":640.095,"sentiment":"neutral","sentiment_score":0.09260403364896774},{"text":"No.","start":640.095,"end":640.255,"sentiment":"neutral","sentiment_score":0.16414546966552734}],"sentiment":"neutral","sentiment_score":-0.018205902567415527,"num_words":33,"start":626.98,"end":640.255},{"sentences":[{"text":"No problem.","start":640.255,"end":640.89496,"sentiment":"neutral","sentiment_score":0.28145475685596466},{"text":"So we did compare it to a few others there as well.","start":640.89496,"end":643.23,"sentiment":"positive","sentiment_score":0.41165656099716824},{"text":"In terms of, like, the price you are paying, it is still comparable in the market, still competitive.","start":643.38995,"end":647.47,"sentiment":"positive","sentiment_score":0.5005445347891914},{"text":"And then it also means that you don't have to worry about selling down and, like, realizing any capital gains fully by moving funds.","start":647.47,"end":654.52997,"sentiment":"positive","sentiment_score":0.48570561160643894},{"text":"It's still a good product, and, you know, obviously, if you have no issues with it as well, that's good in itself as as well.","start":654.75,"end":660.405,"sentiment":"positive","sentiment_score":0.6505914044380188}],"sentiment":"positive","sentiment_score":0.5238803661899802,"num_words":81,"start":640.255,"end":660.405},{"sentences":[{"text":"By maintaining that as well, you don't have to go through the whole hassle of setting up a new product and getting to know a new sort of platform there.","start":660.405,"end":668.085,"sentiment":"positive","sentiment_score":0.35186417202154796},{"text":"In addition to, you can maintain the same level of risk.","start":668.085,"end":670.72504,"sentiment":"neutral","sentiment_score":0.28877297856590967},{"text":"We can still adjust things on BT Panorama.","start":670.72504,"end":672.2825,"sentiment":"positive","sentiment_score":0.37843456119298935},{"text":"It's still quite a good platform for advisers there as well.","start":672.2825,"end":675.94,"sentiment":"positive","sentiment_score":0.48826226592063904},{"text":"Now with that, we're recommending that you do change your investment within that.","start":677.51996,"end":683.22,"sentiment":"neutral","sentiment_score":0.058390358892770916}],"sentiment":"neutral","sentiment_score":0.31355978089244396,"num_words":73,"start":660.405,"end":683.22},{"sentences":[{"text":"So you'd give me a time on board.","start":683.6,"end":685.04,"sentiment":"neutral","sentiment_score":0.057559785433113575},{"text":"Obviously, a few things have changed and things like that as well since that time.","start":685.04,"end":688.625,"sentiment":"neutral","sentiment_score":-0.029768265845874945},{"text":"And then the active investment, Bandalong, I'm not too sure if you heard their underlying investment they have called Corporate Traveler did have a bit of a moment there where they weren't reporting correctly and they got done for it.","start":689.085,"end":700.84503,"sentiment":"neutral","sentiment_score":-0.1204420868307352},{"text":"So with that, they had to reevaluate that stock.","start":700.84503,"end":703.35,"sentiment":"neutral","sentiment_score":-0.1459183461136288},{"text":"And as a result, Ben Long took a bit of a backwards step.","start":703.35,"end":705.85,"sentiment":"neutral","sentiment_score":-0.21971577062056616}],"sentiment":"neutral","sentiment_score":-0.10556822718285462,"num_words":85,"start":683.6,"end":705.85},{"sentences":[{"text":"So we are looking at removing you from that actively managed fund.","start":706.23,"end":709.43,"sentiment":"neutral","sentiment_score":-0.22320980206131935},{"text":"Even though it has taken a loss, it's sort of something that was unforeseen, and it's also not Australian equities issue.","start":709.43,"end":715.20996,"sentiment":"neutral","sentiment_score":-0.17764392637071155},{"text":"It's not like the markets they're invested in.","start":715.35,"end":717.19,"sentiment":"neutral","sentiment_score":-0.16668623965233564},{"text":"It's the actual fund and the investments they chose itself.","start":717.19,"end":720.665,"sentiment":"neutral","sentiment_score":-0.057925823330879214},{"text":"So we're looking at getting you out of that just moving forward.","start":720.665,"end":724.605,"sentiment":"neutral","sentiment_score":-0.03250740747898817}],"sentiment":"neutral","sentiment_score":-0.13828376379041446,"num_words":63,"start":706.23,"end":724.605},{"sentences":[{"text":"And then in addition to that as well, we're looking at moving you to a fund that doesn't have an active portion, and it's moving you towards just standard index version.","start":725.22504,"end":733.89996,"sentiment":"neutral","sentiment_score":0.1347580792442445},{"text":"Now with that, it comes with lower costs because you don't have someone trying to outperform the market.","start":734.27997,"end":739.98,"sentiment":"positive","sentiment_score":0.35334565076563096},{"text":"So it's a little less in terms of risk, but you still have the same amount of growth assets.","start":740.44,"end":744.45996,"sentiment":"neutral","sentiment_score":0.3240665267956884},{"text":"And then with that and the way the markets have been tracking, they have been tracking quite well.","start":744.695,"end":748.555,"sentiment":"positive","sentiment_score":0.44146286613411373},{"text":"So that, hopefully, that indexed investment are not only paying less, but hopefully still tracks well and performs well over that next sort of three to five year period.","start":748.695,"end":756.555,"sentiment":"positive","sentiment_score":0.4419092155736068}],"sentiment":"neutral","sentiment_score":0.3257103045349536,"num_words":115,"start":725.22504,"end":756.555},{"sentences":[{"text":"Perfect.","start":759.33496,"end":759.83496,"sentiment":"positive","sentiment_score":0.5212720036506653},{"text":"Now with that, there's always a degree of risk when sort of doing the buy and sells and the time it takes within that, the time out of the market.","start":761.05,"end":766.75,"sentiment":"neutral","sentiment_score":-0.14054149674872557},{"text":"So that is a risk there.","start":767.05,"end":768.41,"sentiment":"neutral","sentiment_score":-0.23642118771870932},{"text":"We did also look at just maintaining your current portfolio and just switching out that active managed panel, But we decided to move things around and update you to a more sort of appropriate model portfolio to where Oakview sort of has their investments going for the next sort of foreseeable future and updating as a whole.","start":768.41,"end":784.175,"sentiment":"neutral","sentiment_score":0.08499378743663169},{"text":"And then with that due to the the capital gains there, it offsets some of that by that loss in Bennelong, which is good, so it means you're not paying as much.","start":784.175,"end":793.27,"sentiment":"neutral","sentiment_score":0.22453362867236137}],"sentiment":"neutral","sentiment_score":0.05489065060539851,"num_words":126,"start":759.33496,"end":793.27},{"sentences":[{"text":"So on page 15 there, you'll see the exact change in investments.","start":793.65,"end":797.19,"sentiment":"neutral","sentiment_score":0.06810769625008106},{"text":"Now with that one, you will be looking at moving up your weighting in gold and how that's been tracking removing Petaluma entirely.","start":797.25,"end":805.955,"sentiment":"neutral","sentiment_score":0.0800384981152804},{"text":"And then with that, there are sort of changes in regards to not being exposed as much in Japan, winding that back a little bit.","start":806.575,"end":813.235,"sentiment":"neutral","sentiment_score":0.036513477414846424},{"text":"And then also looking at back the S and P 500 just for how they've performed and bringing them more weight with the the portfolio and the recommendation.","start":813.77496,"end":822.77,"sentiment":"neutral","sentiment_score":0.10278622167451042},{"text":"So there's still your call, the S and P 500.","start":822.83,"end":825.39,"sentiment":"neutral","sentiment_score":0.0871496006846428}],"sentiment":"neutral","sentiment_score":0.07469923429343166,"num_words":98,"start":793.65,"end":825.39},{"sentences":[{"text":"Just from how they're performing, we're just gonna bring them back in line with the recommended.","start":825.39,"end":829.23,"sentiment":"neutral","sentiment_score":0.16170027921907604},{"text":"We don't want it to take up too much your portfolio in terms of waiting.","start":829.23,"end":832.35504,"sentiment":"neutral","sentiment_score":-0.2717078119516373},{"text":"So that just adjusts it a little bit better moving forward, if that makes sense.","start":832.655,"end":836.35504,"sentiment":"neutral","sentiment_score":0.03384886781374614},{"text":"Perfect.","start":839.135,"end":839.635,"sentiment":"positive","sentiment_score":0.4625839591026306},{"text":"Now in regards to that on page 16 there, you'll see that you're currently in around 90 tenths split with your growth port a high growth portfolio there.","start":840.73505,"end":851.42,"sentiment":"neutral","sentiment_score":0.17124834949416773}],"sentiment":"neutral","sentiment_score":0.05702477400501569,"num_words":75,"start":825.39,"end":851.42},{"sentences":[{"text":"With your current portfolio, it's around 84% in growth assets, whereas this will push you up to around 88.","start":852.04,"end":857.145,"sentiment":"neutral","sentiment_score":0.20728727508532374},{"text":"Now you will have slightly more assets in those growth portfolio alignment to get those higher returns potentially.","start":857.305,"end":863.405,"sentiment":"neutral","sentiment_score":0.3264048174023628},{"text":"But then with that as well, you don't have that active manager risk within the portfolio.","start":863.78503,"end":867.645,"sentiment":"neutral","sentiment_score":0.022367641096934676},{"text":"So increasing the gross asset slightly, but then also reducing the manager risk as well within the fund.","start":867.705,"end":872.61005,"sentiment":"neutral","sentiment_score":0.18632263069351515},{"text":"So hopefully, you experience a little less volatility moving forward as well.","start":872.61005,"end":876.39,"sentiment":"neutral","sentiment_score":0.3275686328609784}],"sentiment":"neutral","sentiment_score":0.21031636318348976,"num_words":83,"start":852.04,"end":876.39},{"sentences":[{"text":"Do you have any questions in regards to that at all, Julie?","start":880.13,"end":882.39,"sentiment":"neutral","sentiment_score":0.0937543244411548},{"text":"Yeah.","start":885.17004,"end":885.405,"sentiment":"neutral","sentiment_score":0.07477627694606781},{"text":"No.","start":885.565,"end":886.065,"sentiment":"neutral","sentiment_score":0.034216418862342834},{"text":"Okay.","start":886.765,"end":887.24506,"sentiment":"neutral","sentiment_score":0.06271779537200928},{"text":"Not a problem.","start":887.24506,"end":888.065,"sentiment":"neutral","sentiment_score":0.12707396845022836}],"sentiment":"neutral","sentiment_score":0.09322134943472014,"num_words":18,"start":880.13,"end":888.065},{"sentences":[{"text":"So this was one of the portfolios that Bart built there as well.","start":888.60504,"end":891.965,"sentiment":"neutral","sentiment_score":0.09908491315749976},{"text":"So if you do have a bit of a problem, yeah, you can sort of have a go at him and see where he's still done.","start":891.965,"end":897.98505,"sentiment":"neutral","sentiment_score":-0.03635490714357449},{"text":"Yeah.","start":899.005,"end":899.4,"sentiment":"neutral","sentiment_score":0.06860405206680298},{"text":"So yeah.","start":899.96,"end":900.52,"sentiment":"neutral","sentiment_score":0.044672196730971336},{"text":"So when I say, like, obviously, Bart's part of the investment committee there.","start":900.52,"end":903.56,"sentiment":"neutral","sentiment_score":0.011689107578534346}],"sentiment":"neutral","sentiment_score":0.011868784170259128,"num_words":55,"start":888.60504,"end":903.56},{"sentences":[{"text":"They update the portfolios quite regularly, and then this is one of the later portfolios that does remove the active managed portion.","start":903.56,"end":909.9,"sentiment":"neutral","sentiment_score":-0.011621421118351545},{"text":"We can look to add the active management, but which is how they've been tracking recently and how the markets have been tracking with, you know, Trump playing around.","start":910.04004,"end":917.245,"sentiment":"neutral","sentiment_score":-0.03321905215752536},{"text":"They haven't been performing that great.","start":917.245,"end":918.84503,"sentiment":"neutral","sentiment_score":-0.20312137653430304},{"text":"There have been a few winners, but then also there have been quite a few losers in that space just with it's really unpredictable at the moment in terms of, like, how things are tracking.","start":918.84503,"end":927.98505,"sentiment":"neutral","sentiment_score":-0.17779310771397183},{"text":"You know, Elon Musk is playing around there as well and then also causing Tesla to go ups and downs and things like that.","start":928.29,"end":933.57,"sentiment":"neutral","sentiment_score":-0.16002595269431671}],"sentiment":"neutral","sentiment_score":-0.10776839371577933,"num_words":116,"start":903.56,"end":933.57},{"sentences":[{"text":"So it's really hard sort of to gauge how things are tracking, especially when you have someone like that that goes down and just announces things randomly that cause the market to do backflips.","start":933.57,"end":943.345,"sentiment":"neutral","sentiment_score":-0.07111064158380032},{"text":"As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving.","start":947.085,"end":955.95,"sentiment":"positive","sentiment_score":0.3356726866747652},{"text":"Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return.","start":956.27,"end":971.15,"sentiment":"neutral","sentiment_score":0.09938768462611819},{"text":"Now the projection for the five year rolling average was around 19%, but, obviously, that's not gonna occur year on year on year.","start":971.15,"end":978.445,"sentiment":"neutral","sentiment_score":0.05880167497240979},{"text":"It is obviously just highlighting how things have gone.","start":978.905,"end":981.385,"sentiment":"neutral","sentiment_score":0.2250962969329622}],"sentiment":"neutral","sentiment_score":0.10630561833326914,"num_words":147,"start":933.57,"end":981.385},{"sentences":[{"text":"It's nothing's gonna replicate year on year like that again.","start":981.385,"end":984.525,"sentiment":"neutral","sentiment_score":0.03160594254732132},{"text":"But, hopefully, given that you're paying a lower cost, you do have that guaranteed savings in terms of that fee, which helps your super grow in addition to, hopefully, the fund that's recommended does perform better as well.","start":985.145,"end":995.67004,"sentiment":"positive","sentiment_score":0.6065557034392106},{"text":"So you get maybe that little bit of a double whammy, if that makes sense.","start":995.67004,"end":999.21,"sentiment":"neutral","sentiment_score":0.11001283749938011},{"text":"Perfect.","start":1001.805,"end":1002.305,"sentiment":"positive","sentiment_score":0.5728000402450562},{"text":"So, yeah, obviously, we're hoping for lower fees, lower costs, and then aiming for that higher return.","start":1002.365,"end":1007.34503,"sentiment":"positive","sentiment_score":0.37783656225484963}],"sentiment":"positive","sentiment_score":0.3952023495954496,"num_words":81,"start":981.385,"end":1007.34503},{"sentences":[{"text":"As I'm so unfortunate, that return's never the king that's guaranteed.","start":1007.885,"end":1011.185,"sentiment":"negative","sentiment_score":-0.37757207588715985},{"text":"But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking.","start":1011.645,"end":1018.95,"sentiment":"neutral","sentiment_score":0.10397140591433554},{"text":"In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as well.","start":1019.33,"end":1028.79,"sentiment":"neutral","sentiment_score":0.09504810233528797},{"text":"As I said, to be taken with a grain of salt, but, you know, it's nice to see visually what that might look like if everything did replicate.","start":1029.09,"end":1035.2949,"sentiment":"neutral","sentiment_score":0.1566278239312981},{"text":"The next section on there is in just regards to those beneficiary nominations.","start":1037.355,"end":1040.475,"sentiment":"neutral","sentiment_score":0.16491852872646773}],"sentiment":"neutral","sentiment_score":0.07672709270170139,"num_words":124,"start":1007.885,"end":1040.475},{"sentences":[{"text":"So we do recommend nominating that legal post representative.","start":1040.475,"end":1042.975,"sentiment":"neutral","sentiment_score":0.2733020881811778},{"text":"You only have to do it once, which is lucky because the BT Panorama is a platform policy.","start":1043.0349,"end":1047.59,"sentiment":"positive","sentiment_score":0.39074693537420696},{"text":"Now if you were to ever leave BT Panorama, we can look at making that policy stand alone with Tel, which is a bit of a process in itself, but it doesn't mean you are locked to the fund, but it just means at the moment it's on the platform there.","start":1048.0499,"end":1060.465,"sentiment":"neutral","sentiment_score":0.1630126547579672},{"text":"You don't have to worry about doing two different nominations.","start":1060.465,"end":1062.625,"sentiment":"positive","sentiment_score":0.3398280769586563},{"text":"You can just do the one, which is nice.","start":1062.625,"end":1064.945,"sentiment":"positive","sentiment_score":0.6715343925688002}],"sentiment":"neutral","sentiment_score":0.2809164878941074,"num_words":97,"start":1040.475,"end":1064.945},{"sentences":[{"text":"A little bit of simplicity there for you.","start":1064.945,"end":1066.8049,"sentiment":"positive","sentiment_score":0.6404503583908081},{"text":"There is some advantages and disadvantages in regards to that, but I kinda touched on them there before.","start":1067.345,"end":1071.6649,"sentiment":"neutral","sentiment_score":0.046622191866238914},{"text":"So feel free to have a read through of that.","start":1071.6649,"end":1073.105,"sentiment":"neutral","sentiment_score":0.1718527853488922},{"text":"And if you were to sort of make an estate asset versus a non estate asset, obviously, if you get a spouse, you can look at changing that.","start":1073.105,"end":1079.4199,"sentiment":"neutral","sentiment_score":0.02748903166502714},{"text":"Beneficiaries aren't locked in.","start":1079.4199,"end":1080.7,"sentiment":"neutral","sentiment_score":0.0013684062287211418}],"sentiment":"neutral","sentiment_score":0.12436024537857841,"num_words":68,"start":1064.945,"end":1080.7},{"sentences":[{"text":"We do recommend you sort of review them regularly to make sure that you are happy with them.","start":1080.7,"end":1084.5599,"sentiment":"positive","sentiment_score":0.37259194089306724},{"text":"You know, if you were to sort of have a partner down the track, you probably want them receive it.","start":1084.86,"end":1088.515,"sentiment":"neutral","sentiment_score":0.0838079009205103},{"text":"And, you know, the systems might take a little bit of a back burner.","start":1088.515,"end":1090.855,"sentiment":"neutral","sentiment_score":-0.22605360778314726},{"text":"In terms of a will there, we obviously we're recommending you establish a will.","start":1092.835,"end":1096.515,"sentiment":"neutral","sentiment_score":0.12082283438316413},{"text":"We can pass along CDM's information again if you'd like.","start":1096.515,"end":1099.575,"sentiment":"neutral","sentiment_score":0.1615030825138092}],"sentiment":"neutral","sentiment_score":0.11216595989504927,"num_words":76,"start":1080.7,"end":1099.575},{"sentences":[{"text":"But in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well.","start":1100.45,"end":1105.99,"sentiment":"neutral","sentiment_score":0.1355701859878457},{"text":"Obviously, by having a will, it just distributes your assets the way you'd like them to be distributed, whether you've not got a few airline things you wanna pass along certain people, whether it's having, you know, power of attorney in the event that you were incapacitated.","start":1106.61,"end":1117.085,"sentiment":"neutral","sentiment_score":0.13764116397880494},{"text":"You know, you might be a pull the plug person, might be a not pull the plug person.","start":1117.5449,"end":1120.9249,"sentiment":"neutral","sentiment_score":0.06466087015966575},{"text":"And then with that, you can sort of put it in writing so it takes those decisions out of family members' hands if something were to sorta happen.","start":1121.065,"end":1127.43,"sentiment":"neutral","sentiment_score":0.18882537180823938},{"text":"It can sort of minimize, yeah, the stress in those times, if that makes sense as well.","start":1127.97,"end":1132.47,"sentiment":"neutral","sentiment_score":0.1931545822059407}],"sentiment":"neutral","sentiment_score":0.14527731545661626,"num_words":133,"start":1100.45,"end":1132.47},{"sentences":[{"text":"Yeah.","start":1136.53,"end":1137.03,"sentiment":"neutral","sentiment_score":0.15460723638534546},{"text":"I I might Yeah.","start":1138.2101,"end":1139.265,"sentiment":"neutral","sentiment_score":0.14362296275794506},{"text":"I I probably wouldn't be one to to be on the machines either, so give me a few weeks.","start":1139.265,"end":1143.4451,"sentiment":"neutral","sentiment_score":-0.12204148090983692},{"text":"If things haven't turned around, you know, just let me go.","start":1143.5851,"end":1146.485,"sentiment":"neutral","sentiment_score":-0.26766735179857776},{"text":"Yeah.","start":1152.6,"end":1152.84,"sentiment":"neutral","sentiment_score":-0.10995413362979888}],"sentiment":"neutral","sentiment_score":-0.1289995570356647,"num_words":36,"start":1136.53,"end":1152.84},{"sentences":[{"text":"You know?","start":1152.84,"end":1153.5,"sentiment":"neutral","sentiment_score":-0.04164041578769684},{"text":"Put put the yeah.","start":1153.64,"end":1155.34,"sentiment":"neutral","sentiment_score":0.04600408487021924},{"text":"Put the money towards maybe a nice coffin and call it a day.","start":1155.4,"end":1158.28,"sentiment":"neutral","sentiment_score":0.214631587266922},{"text":"Spend on the wake.","start":1158.28,"end":1159.34,"sentiment":"neutral","sentiment_score":0.05042269825935364},{"text":"Yeah.","start":1161.48,"end":1161.98,"sentiment":"neutral","sentiment_score":0.1019146740436554}],"sentiment":"neutral","sentiment_score":0.13310631706068912,"num_words":24,"start":1152.84,"end":1161.98},{"sentences":[{"text":"And that's, yeah, leading on to that power of attorney section on page 24 there and the advantages and disadvantages of that.","start":1162.2,"end":1168.0651,"sentiment":"neutral","sentiment_score":0.021261275322599846},{"text":"Obviously, you know, you don't have to have a power of attorney.","start":1168.0651,"end":1170.145,"sentiment":"neutral","sentiment_score":-0.028073884236315887},{"text":"You don't have to have advanced health care directive, things like that as well.","start":1170.145,"end":1173.285,"sentiment":"neutral","sentiment_score":-0.05238992091368085},{"text":"But like I said, it does take those decisions out of the hands of family members.","start":1173.345,"end":1176.625,"sentiment":"neutral","sentiment_score":-0.057615192607045174},{"text":"And, you know, some family members, you know, during those emotional times, might wanna keep you around.","start":1176.625,"end":1180.725,"sentiment":"neutral","sentiment_score":-0.09750534133876071}],"sentiment":"neutral","sentiment_score":-0.03928433741977507,"num_words":81,"start":1162.2,"end":1180.725},{"sentences":[{"text":"Whereas if you've got your decision on paper, it makes it a lot easier.","start":1180.785,"end":1186.3933,"sentiment":"neutral","sentiment_score":0.11704926006495953},{"text":"In terms of yeah.","start":1186.6,"end":1189.24,"sentiment":"neutral","sentiment_score":0.04235992021858692},{"text":"Yeah.","start":1189.24,"end":1189.48,"sentiment":"neutral","sentiment_score":0.06428966671228409},{"text":"So as I said, I can pass on the information as well if you'd like again.","start":1189.48,"end":1193.26,"sentiment":"neutral","sentiment_score":0.09168579080142081},{"text":"Otherwise but yeah.","start":1193.72,"end":1198.455,"sentiment":"neutral","sentiment_score":0.033460672944784164}],"sentiment":"neutral","sentiment_score":0.09052035947771449,"num_words":38,"start":1180.785,"end":1198.455},{"sentences":[{"text":"Not a problem.","start":1198.455,"end":1199.355,"sentiment":"neutral","sentiment_score":0.09035667032003403},{"text":"Yeah.","start":1201.655,"end":1201.975,"sentiment":"neutral","sentiment_score":0.05285441875457764},{"text":"And then worst case scenario, if you don't wanna see a solicitor, you don't wanna pay the few $100 for a will and all things set up, you can get, like, a post office will, which is generally, like, you know, 50 to $100.","start":1201.975,"end":1211.7401,"sentiment":"neutral","sentiment_score":0.03137500602381558},{"text":"And as long as you follow the steps, at least you've got something in place until such time you're sort of ready to get around to, you know, sitting down with a lawyer, drawing things out, those sort of things.","start":1211.8,"end":1221.5149,"sentiment":"neutral","sentiment_score":0.09611341888085008},{"text":"Yeah.","start":1224.375,"end":1224.875,"sentiment":"neutral","sentiment_score":-0.012545209378004074}],"sentiment":"neutral","sentiment_score":0.06220692405189398,"num_words":89,"start":1198.455,"end":1224.875},{"sentences":[{"text":"In terms of the adviser fee, so you're not on a regular adviser fee.","start":1227.2549,"end":1230.855,"sentiment":"neutral","sentiment_score":-0.05594919954559633},{"text":"You're on 1.49, which I believe Bart set up as well.","start":1230.855,"end":1233.995,"sentiment":"neutral","sentiment_score":0.061717118390581825},{"text":"It's outside of the normal sort of fees, but we're just maintaining that as well.","start":1234.215,"end":1238.4,"sentiment":"neutral","sentiment_score":-0.0035769373178482057},{"text":"If you feel like you're paying too much, feel free.","start":1238.46,"end":1240.38,"sentiment":"neutral","sentiment_score":-0.10450481660664082},{"text":"You know, tell Tracy that tell Bart to pull his finger out, but that is lower than the the standard fee that we do have.","start":1240.38,"end":1246.7,"sentiment":"neutral","sentiment_score":0.05251610219478607}],"sentiment":"neutral","sentiment_score":0.001463997835914294,"num_words":75,"start":1227.2549,"end":1246.7},{"sentences":[{"text":"So maybe with the growth in the estimated breaker, it might look like a sort of 4,400 bit over in terms of, like, a yearly fee.","start":1246.7,"end":1258.8049,"sentiment":"neutral","sentiment_score":0.07498391918264903},{"text":"But as I said, that's based on, like, the gross projection as well.","start":1258.8049,"end":1261.6849,"sentiment":"neutral","sentiment_score":0.08639763066401848},{"text":"So if the market market store a little bit or they fluctuate or take a bit of a dive, you won't actually pay that amount.","start":1261.6849,"end":1266.9,"sentiment":"neutral","sentiment_score":-0.030016538351774216},{"text":"But if they do really well, you might end up paying a little bit more as well.","start":1266.9,"end":1270.04,"sentiment":"neutral","sentiment_score":0.11837715874699985},{"text":"But that does have growth projected into it, if that makes sense.","start":1270.18,"end":1273.4,"sentiment":"neutral","sentiment_score":0.23587475717067719}],"sentiment":"neutral","sentiment_score":0.07704566046595573,"num_words":93,"start":1246.7,"end":1273.4},{"sentences":[{"text":"Perfect.","start":1275.685,"end":1276.185,"sentiment":"positive","sentiment_score":0.5138802528381348},{"text":"But in terms of, like, any other fees, you don't get charged, like, any other things, like, for the phone calls or pieces of paper or beneficiary forms, things like that.","start":1276.3251,"end":1283.525,"sentiment":"neutral","sentiment_score":0.13459876540207094},{"text":"CGM does have their own pricing.","start":1283.525,"end":1285.305,"sentiment":"neutral","sentiment_score":0.1300762022535006},{"text":"Brokers get paid, obviously, through the institutions they lend with, so you don't have to pay out of pocket for those mortgage brokers.","start":1285.685,"end":1291.28,"sentiment":"neutral","sentiment_score":0.13305394740208334},{"text":"But, yeah, if you like to visit one of the OVA accountants or, you know, the lawyers there, it does come with their own separate fees.","start":1291.28,"end":1298.02,"sentiment":"neutral","sentiment_score":0.13521666896457857}],"sentiment":"neutral","sentiment_score":0.13842268249598041,"num_words":87,"start":1275.685,"end":1298.02},{"sentences":[{"text":"I think in terms of the advice to you, it's quite simple.","start":1300.4,"end":1304.525,"sentiment":"neutral","sentiment_score":0.322222297390302},{"text":"As I said, it is basically just an investment update because we did review everything, but just based on, you know, we can't really touch the insurances at the moment just while you're going through that claims.","start":1304.525,"end":1312.7849,"sentiment":"neutral","sentiment_score":0.11923600018427179},{"text":"We can potentially look at top up cover once you sort of purchase a property if you'd like to be covered for a bit more of your debt if you do purchase a place and having a a separate policy that may have those exclusions moving forward.","start":1313.005,"end":1323.86,"sentiment":"neutral","sentiment_score":0.1143228385518206},{"text":"But at least you'll have that current policy still in place there as well as that military super.","start":1324.48,"end":1328.9,"sentiment":"neutral","sentiment_score":0.29659711486763424},{"text":"And then once you're sort of happy with everything you did wanna sign the document, we'd deal with updating the portfolio.","start":1329.525,"end":1335.365,"sentiment":"neutral","sentiment_score":0.29927943859781536}],"sentiment":"neutral","sentiment_score":0.1872236241896947,"num_words":135,"start":1300.4,"end":1335.365},{"sentences":[{"text":"But when it comes to the the beneficiary forms and, you know, getting a will sorted in place, things like that, that is up to you and your own time there as well.","start":1335.365,"end":1343.045,"sentiment":"neutral","sentiment_score":0.1502741782954245},{"text":"We'll obviously follow you up, but I can't force you to draw up a will.","start":1343.045,"end":1347.73,"sentiment":"neutral","sentiment_score":0.05242538743962844},{"text":"But in in okay.","start":1348.4299,"end":1350.75,"sentiment":"neutral","sentiment_score":0.1620353739708662},{"text":"Perfect.","start":1350.75,"end":1351.07,"sentiment":"positive","sentiment_score":0.6572451591491699},{"text":"And in saying that too, I can send you a copy of your your beneficiary form for BT to be able to fill out as well and update.","start":1351.07,"end":1358.115,"sentiment":"positive","sentiment_score":0.3426603265106678}],"sentiment":"neutral","sentiment_score":0.2054975863293181,"num_words":81,"start":1335.365,"end":1358.115},{"sentences":[{"text":"Perfect.","start":1361.875,"end":1362.375,"sentiment":"positive","sentiment_score":0.5073854923248291},{"text":"But do you have any questions in regards to anything we've sort of discussed there, Julian?","start":1362.515,"end":1366.615,"sentiment":"neutral","sentiment_score":0.08306999364867806},{"text":"Yeah.","start":1370.035,"end":1370.355,"sentiment":"neutral","sentiment_score":0.2908252775669098},{"text":"It is quite quite straightforward and simple.","start":1370.355,"end":1372.23,"sentiment":"positive","sentiment_score":0.4062983861991337},{"text":"That one, as I said I apologize for how long it has taken.","start":1372.23,"end":1375.37,"sentiment":"neutral","sentiment_score":-0.1070373966716803}],"sentiment":"neutral","sentiment_score":0.09420876881401789,"num_words":38,"start":1361.875,"end":1375.37},{"sentences":[{"text":"But, yeah, a lot a lot of stuff going on.","start":1375.67,"end":1378.17,"sentiment":"neutral","sentiment_score":-0.15703541189432144},{"text":"Yeah.","start":1380.39,"end":1380.71,"sentiment":"neutral","sentiment_score":-0.09497915953397752},{"text":"No.","start":1380.71,"end":1381.03,"sentiment":"neutral","sentiment_score":-0.1474916785955429},{"text":"It's perfectly fine.","start":1381.03,"end":1382.07,"sentiment":"neutral","sentiment_score":-0.03314161424835523},{"text":"Yeah.","start":1382.07,"end":1382.3099,"sentiment":"neutral","sentiment_score":-0.04875076934695244}],"sentiment":"neutral","sentiment_score":-0.12256253557279706,"num_words":16,"start":1375.67,"end":1382.3099},{"sentences":[{"text":"It's probably a bit of both.","start":1382.3099,"end":1383.67,"sentiment":"neutral","sentiment_score":-0.1319019322594007},{"text":"Obviously, you know, it's not a call you wanna take every afternoon when I take up forty minutes of your time to talk about random financial advice.","start":1383.67,"end":1390.755,"sentiment":"neutral","sentiment_score":-0.15013104401252889},{"text":"Right.","start":1391.615,"end":1392.115,"sentiment":"neutral","sentiment_score":0.16559544205665588},{"text":"It's perfect.","start":1393.855,"end":1394.495,"sentiment":"positive","sentiment_score":0.501463383436203},{"text":"In terms of the advice piece there, obviously, feel free to have a read through.","start":1394.495,"end":1397.5499,"sentiment":"neutral","sentiment_score":0.11946014910936356}],"sentiment":"neutral","sentiment_score":-0.03695147718284644,"num_words":51,"start":1382.3099,"end":1397.5499},{"sentences":[{"text":"I didn't sort of skim through.","start":1397.5499,"end":1398.4299,"sentiment":"neutral","sentiment_score":0.02464139958222707},{"text":"I don't wanna take up all of your afternoon once you've had a busy day, but feel free to have a little read through it, see if you're happy with everything.","start":1398.4299,"end":1403.7899,"sentiment":"neutral","sentiment_score":0.12541127565406984},{"text":"There are links in your pen to the recommended investments, so feel free to have a look at those as well, see if you're happy with everything.","start":1403.7899,"end":1411.355,"sentiment":"neutral","sentiment_score":0.16830480209103338},{"text":"If you wanna look at maybe changing things or, you know, you see something you don't like, feel free to give us a callback.","start":1411.355,"end":1415.615,"sentiment":"neutral","sentiment_score":-0.029107569872091215},{"text":"Otherwise, if you did sign it, it redoes that advice fee, those, like, ongoing service claim if you're happy to stay on for the next twelve months in addition to we'll get those advice sorted with the investment switch as well.","start":1415.835,"end":1427.89,"sentiment":"neutral","sentiment_score":0.17738661133661504}],"sentiment":"neutral","sentiment_score":0.11747362005502679,"num_words":129,"start":1397.5499,"end":1427.89},{"sentences":[{"text":"But did you want any other updates in regards to to anything while you've got me?","start":1428.51,"end":1432.11,"sentiment":"neutral","sentiment_score":0.04175712098367512},{"text":"Or perfect.","start":1432.11,"end":1436.05,"sentiment":"neutral","sentiment_score":0.3045718790963292},{"text":"And then did I end up sending you a copy of the of your budget planner for, you know, your budgeting and sort of dealing with the the personal loan and savings for the property?","start":1436.27,"end":1444.315,"sentiment":"neutral","sentiment_score":0.1892060135092054},{"text":"Is that something you want me to send again just quickly or are you yeah.","start":1447.335,"end":1452.455,"sentiment":"neutral","sentiment_score":0.05870111733675003},{"text":"It's just a nice nice tool.","start":1452.455,"end":1455.4199,"sentiment":"positive","sentiment_score":0.361212274680535}],"sentiment":"neutral","sentiment_score":0.14793592668767716,"num_words":74,"start":1428.51,"end":1455.4199},{"sentences":[{"text":"Yeah.","start":1456.44,"end":1456.7599,"sentiment":"neutral","sentiment_score":0.04660460352897644},{"text":"Just when you sort of especially when you start saving a little bit heavy for the house, you know, you might be able to see where you might be able to cut back on a few discretionary spending.","start":1456.7599,"end":1464.12,"sentiment":"neutral","sentiment_score":-0.0029788013351591015},{"text":"I know myself, I've got a few too many streaming services, I believe.","start":1464.12,"end":1467.1799,"sentiment":"neutral","sentiment_score":-0.14035245374991343},{"text":"I I know.","start":1481.605,"end":1482.3,"sentiment":"neutral","sentiment_score":-0.16682551304499307},{"text":"You almost need to do a rotation of each month, but it's so much hassle with the administration of doing that, isn't it?","start":1482.3,"end":1491.66,"sentiment":"neutral","sentiment_score":-0.14947813198618268}],"sentiment":"neutral","sentiment_score":-0.07473904257401442,"num_words":78,"start":1456.44,"end":1491.66},{"sentences":[{"text":"Yeah.","start":1491.66,"end":1491.9,"sentiment":"neutral","sentiment_score":0.0221987534314394},{"text":"That one.","start":1491.9,"end":1492.64,"sentiment":"neutral","sentiment_score":-0.00572619866579771},{"text":"Yeah.","start":1493.5,"end":1493.8201,"sentiment":"neutral","sentiment_score":-0.05192534253001213},{"text":"I'm in the same boat, and then each year they put up their prices, and I'm just stuck there paying it each year.","start":1493.8201,"end":1505.085,"sentiment":"neutral","sentiment_score":-0.13796830161110216},{"text":"Yeah.","start":1505.085,"end":1505.325,"sentiment":"neutral","sentiment_score":-0.06164909526705742}],"sentiment":"neutral","sentiment_score":-0.11700353638402053,"num_words":28,"start":1491.66,"end":1505.325},{"sentences":[{"text":"And it it works out to be quite a bit more over the period of twelve months.","start":1505.325,"end":1509.185,"sentiment":"neutral","sentiment_score":0.13276941285413854},{"text":"Yeah.","start":1509.805,"end":1510.26,"sentiment":"neutral","sentiment_score":0.10077939182519911},{"text":"I will send that through us.","start":1512.18,"end":1513.78,"sentiment":"neutral","sentiment_score":0.1484710785249869},{"text":"And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off?","start":1513.78,"end":1519.64,"sentiment":"neutral","sentiment_score":0.07801052610631343},{"text":"Perfect.","start":1522.66,"end":1523.14,"sentiment":"positive","sentiment_score":0.659473180770874}],"sentiment":"neutral","sentiment_score":0.11566237052186178,"num_words":52,"start":1505.325,"end":1523.14},{"sentences":[{"text":"Not a problem at all.","start":1523.14,"end":1523.9401,"sentiment":"positive","sentiment_score":0.4828271150588989},{"text":"Well, I'll get those things sorted there for you.","start":1523.9401,"end":1525.995,"sentiment":"positive","sentiment_score":0.3381327639023463},{"text":"I'll attach all those, and I'll get that done after this call.","start":1526.075,"end":1528.395,"sentiment":"neutral","sentiment_score":0.24461674814422926},{"text":"Otherwise, that is basically all from me.","start":1528.395,"end":1530.715,"sentiment":"neutral","sentiment_score":0.23319222458771297},{"text":"If you didn't have any questions in regards to that, as I said, feel free to have a read through the advantages and disadvantages a little bit more in-depth.","start":1530.715,"end":1536.735,"sentiment":"neutral","sentiment_score":0.16650540561511598}],"sentiment":"neutral","sentiment_score":0.23957635101772123,"num_words":62,"start":1523.14,"end":1536.735},{"sentences":[{"text":"But I didn't wanna take up all all your time there and cut into your dinner time and maybe some your maths this afternoon.","start":1537.035,"end":1542.39,"sentiment":"neutral","sentiment_score":0.14669326475510994},{"text":"Who who knows what's gonna happen during that?","start":1542.77,"end":1545.65,"sentiment":"neutral","sentiment_score":-0.007659270268050022},{"text":"I tend to get a few of the updates in the office on what's going on, so it's probably interesting.","start":1545.65,"end":1549.27,"sentiment":"neutral","sentiment_score":0.0867621697485447},{"text":"Well, you you you'll have to make sure you're up to date then so you can get in on the office.","start":1561.8049,"end":1568.3849,"sentiment":"neutral","sentiment_score":0.0714678909806978},{"text":"Just to contribute at the smoker.","start":1575.93,"end":1577.71,"sentiment":"neutral","sentiment_score":-0.06513642271359761}],"sentiment":"neutral","sentiment_score":0.0798052501425595,"num_words":79,"start":1537.035,"end":1577.71},{"sentences":[{"text":"Yeah.","start":1577.85,"end":1578.35,"sentiment":"neutral","sentiment_score":-0.04484657943248749},{"text":"Yeah.","start":1584.89,"end":1585.39,"sentiment":"neutral","sentiment_score":-0.061504170298576355},{"text":"Exactly.","start":1586.035,"end":1586.535,"sentiment":"neutral","sentiment_score":-0.005707862786948681},{"text":"Yeah.","start":1589.0751,"end":1589.3151,"sentiment":"neutral","sentiment_score":0.0038565602153539658},{"text":"Yeah.","start":1589.3151,"end":1589.635,"sentiment":"neutral","sentiment_score":0.003069523721933365}],"sentiment":"neutral","sentiment_score":-0.02102650571614504,"num_words":5,"start":1577.85,"end":1589.635},{"sentences":[{"text":"It's like the the guys that don't actually watch football, but they hear it on the radio, and they just say the few phrases.","start":1589.635,"end":1594.435,"sentiment":"neutral","sentiment_score":-0.004579843041331817},{"text":"You just gotta get to get in there with a few things, and you'll be right.","start":1594.435,"end":1599.43,"sentiment":"neutral","sentiment_score":0.08114898740313947},{"text":"Exactly.","start":1600.4501,"end":1600.93,"sentiment":"neutral","sentiment_score":0.16101393103599548},{"text":"And then just take it back, Brenna, and let it all unfold.","start":1600.93,"end":1603.1901,"sentiment":"neutral","sentiment_score":0.12717845290899277},{"text":"Alright, Julie.","start":1605.89,"end":1606.53,"sentiment":"neutral","sentiment_score":0.18536177277565002}],"sentiment":"neutral","sentiment_score":0.05902448139915412,"num_words":55,"start":1589.635,"end":1606.53},{"sentences":[{"text":"It's been a pleasure speaking to you the this afternoon, but I'll I'll let you get back to it.","start":1606.53,"end":1610.05,"sentiment":"neutral","sentiment_score":0.3078341193889317},{"text":"But any questions, feel like giving me a callback.","start":1610.05,"end":1612.15,"sentiment":"neutral","sentiment_score":0.07918163802888659},{"text":"It's not a problem.","start":1612.29,"end":1612.875,"sentiment":"neutral","sentiment_score":0.2683560326695442},{"text":"We can schedule back in and have a chat.","start":1612.955,"end":1614.895,"sentiment":"positive","sentiment_score":0.4080743127399021},{"text":"No problem at all.","start":1617.035,"end":1617.755,"sentiment":"positive","sentiment_score":0.740321695804596}],"sentiment":"neutral","sentiment_score":0.317085838649008,"num_words":45,"start":1606.53,"end":1617.755},{"sentences":[{"text":"You enjoy the rest of the afternoon.","start":1617.755,"end":1618.795,"sentiment":"positive","sentiment_score":0.7770485026495797},{"text":"Thanks for your time.","start":1618.795,"end":1619.775,"sentiment":"positive","sentiment_score":0.8106726408004761},{"text":"Bye.","start":1620.955,"end":1621.455,"sentiment":"neutral","sentiment_score":-0.11968914419412612}],"sentiment":"positive","sentiment_score":0.713528411462903,"num_words":12,"start":1617.755,"end":1621.455}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Yes. Yep. I'm at home now, so that's good. Yeah. I've heard yeah. I've heard a bit. Yep. Julia Cooper, the 08/25/1982 and Unit 4059 North Oaks Avenue, Surface, Paradise. Yep. That's correct. Yep. Yep. Sounds good. Nothing too major. I'm still working for the same place and all that kind of stuff. I'm still waiting for a I've got a DBA claim in. And, yeah, and I've been told that they're looking at my case right now. So I don't know when I'm gonna get a decision from that, but I'm kinda hoping soon. And then I did get a preapproval for a home loan, but I'm yeah. Kinda waiting for DBA to come and see what money I'll get from them as well before I go and do anything I'm buying the things. Yeah. Right. It was just through Saint George because it was with the same because I'm in a family trust with the rest of the family, and they I'm on their line. So I got I got Saint George to have a look, and they preapproved me, but I probably I probably won't go through them. I'm thinking I'll go through, yeah, your mortgage broker once I'm I spoke to him before. Yeah. Yeah. And I know how much I what like, I wanna spend, basically, or can spend. Yes. Oh, okay. Oh, okay. Yeah. He was adding Grant halfway into retirement. Isn't he? He's still trying to. Yep. Yes. Very good for him. Yep. Alright. Cool. Okay. Yeah. Yep. Yeah. I think I'm doing okay. Yeah. Kinda got it down a bit and, yeah, sort of a bit ahead now. So it's good. Yeah. Yeah. Yep. Yes. Yes. Yep. Yes. Yes. Yeah. Yep. Yes. Yes. Yep. That's it. Yeah. You just send me everything, and I didn't do I didn't do anything with it. So I better do that. Oh, yeah. Yep. Yeah. I know I need to change that. Yep. Yes. Okay. Yep. Yes. Yep. Yep. Yeah. I think so. Yep. Yeah. But I've yeah. I've had a look. Yep. Not recently, but, yes, I did. I've had a look around. Okay. Okay. Sounds good. Yep. Yep. No. I see. So sounds good. No. No. Sounds good. Hi, Chelsea. Oh, okay. I will. Yep. Yes. Yes. Yeah. Yep. Yep. Okay. Yep. Yes. Yes. Yes. Yes. Yes. Yeah. I do it again. Yep. I'll just tell Tracy to pull the plug. She'll do it. Yes. Yeah. Well, like, give me a couple of weeks and then, yeah, if it doesn't look like it's happening, just get rid of me. Take my seatbelt. Fine. Yeah. Exactly. Yep. Yeah. Definitely. Yeah. Yeah. I guess it needs to be at that sorted. Still have it, but maybe just send it in case. That might prompt prompt me to actually book in. Yes. Yeah. Nice one. Yeah. No. Almost makes the way I do it. Yes. No. I think I know. Yeah. I think I know I'm getting a good deal. So it's that. Yep. Yes. Yes. Yes. Yes. That's that's okay. Yeah. That'd be good. Okay. That's No. All seems pretty straightforward. Easy. I think that was half my fault. I don't think I answered straight away. Yep. It's a good yep. Yep. Yep. Yes. No. I thought I think so. That's it. I think you might have. Yeah. Go on. Send it to me. I feel like Bart sent it to me at some stage too. But yeah. Yeah. I'll have a look at it. I was just about to say that I know exactly what I can probably get rid of, but it's so hard too because I'm like, oh, but I'm still watching that show. And, like and this show is coming back on that one. And so yeah. But I spend way too much money on TV. Ugh. Today. Having to cancel it and then restart it again. It's like, oh my gosh. They really get you too, don't they? I know. You think, oh, okay. That's not that much. But then they all do it. It does. Yes. Okay. Just the email. Print off is fine. Yes. K. Yep. Yep. All the boys in my office talked about math. So I was just talking about math, but today they're like, oh, it's so good. And then it just shows to my wife how good how good our relationship is. That's what that was saying. I'm like, you guys are crazy. I know. I might have to start actually watching it a little bit more. So I see it a little bit more. So I see little bits and pieces, but I don't really pay that much attention. But I might have to just so I can see what the gossip is in the office. Yeah. Just so I can throw something in. Oh, yeah. I know about such and such. Yeah. They're such a bitch. So yeah. I gotta sound like I'm in the in crowd now. Yeah. Yeah. Yeah. It makes it sound like you know what you're talking about. Yeah. That's it. Alright. Thanks. Yep. Yep. Too easy. Thank you for that. You too. 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Good. Thanks. How are you? Yes.\n\nYep. I'm at home now, so that's good. Yeah. I've heard yeah. I've heard a bit.\n\nYep. Julia Cooper, the 08/25/1982 and Unit 4059 North Oaks Avenue, Surface, Paradise. Yep. That's correct. Yep.\n\nYep. Sounds good. Nothing too major. I'm still working for the same place and all that kind of stuff. I'm still waiting for a I've got a DBA claim in.\n\nAnd, yeah, and I've been told that they're looking at my case right now. So I don't know when I'm gonna get a decision from that, but I'm kinda hoping soon. And then I did get a preapproval for a home loan, but I'm yeah. Kinda waiting for DBA to come and see what money I'll get from them as well before I go and do anything I'm buying the things. Yeah.\n\nRight. It was just through Saint George because it was with the same because I'm in a family trust with the rest of the family, and they I'm on their line. So I got I got Saint George to have a look, and they preapproved me, but I probably I probably won't go through them. I'm thinking I'll go through, yeah, your mortgage broker once I'm I spoke to him before. Yeah.\n\nYeah. And I know how much I what like, I wanna spend, basically, or can spend. Yes. Oh, okay. Oh, okay.\n\nYeah. He was adding Grant halfway into retirement. Isn't he? He's still trying to. Yep.\n\nYes. Very good for him. Yep. Alright. Cool.\n\nOkay. Yeah. Yep. Yeah. I think I'm doing okay.\n\nYeah. Kinda got it down a bit and, yeah, sort of a bit ahead now. So it's good. Yeah. Yeah.\n\nYep. Yes. Yes. Yep. Yes.\n\nYes. Yeah. Yep. Yes. Yes.\n\nYep. That's it. Yeah. You just send me everything, and I didn't do I didn't do anything with it. So I better do that.\n\nOh, yeah. Yep. Yeah. I know I need to change that. Yep.\n\nYes. Okay. Yep. Yes. Yep.\n\nYep. Yeah. I think so. Yep. Yeah.\n\nBut I've yeah. I've had a look. Yep. Not recently, but, yes, I did. I've had a look around.\n\nOkay. Okay. Sounds good. Yep. Yep.\n\nNo. I see. So sounds good. No. No.\n\nSounds good. Hi, Chelsea. Oh, okay. I will. Yep.\n\nYes. Yes. Yeah. Yep. Yep.\n\nOkay. Yep. Yes. Yes. Yes.\n\nYes. Yes. Yeah. I do it again. Yep.\n\nI'll just tell Tracy to pull the plug. She'll do it. Yes. Yeah. Well, like, give me a couple of weeks and then, yeah, if it doesn't look like it's happening, just get rid of me.\n\nTake my seatbelt. Fine. Yeah. Exactly. Yep.\n\nYeah. Definitely. Yeah. Yeah. I guess it needs to be at that sorted.\n\nStill have it, but maybe just send it in case. That might prompt prompt me to actually book in. Yes. Yeah. Nice one.\n\nYeah. No. Almost makes the way I do it. Yes. No.\n\nI think I know. Yeah. I think I know I'm getting a good deal. So it's that. Yep.\n\nYes. Yes. Yes. Yes. That's that's okay.\n\nYeah. That'd be good. Okay. That's No. All seems pretty straightforward.\n\nEasy. I think that was half my fault. I don't think I answered straight away. Yep. It's a good yep.\n\nYep. Yep. Yes. No. I thought I think so.\n\nThat's it. I think you might have. Yeah. Go on. Send it to me.\n\nI feel like Bart sent it to me at some stage too. But yeah. Yeah. I'll have a look at it. I was just about to say that I know exactly what I can probably get rid of, but it's so hard too because I'm like, oh, but I'm still watching that show.\n\nAnd, like and this show is coming back on that one. And so yeah. But I spend way too much money on TV. Ugh. Today.\n\nHaving to cancel it and then restart it again. It's like, oh my gosh. They really get you too, don't they? I know. You think, oh, okay.\n\nThat's not that much. But then they all do it. It does. Yes. Okay.\n\nJust the email. Print off is fine. Yes. K. Yep.\n\nYep. All the boys in my office talked about math. So I was just talking about math, but today they're like, oh, it's so good. And then it just shows to my wife how good how good our relationship is. That's what that was saying.\n\nI'm like, you guys are crazy. I know. I might have to start actually watching it a little bit more. So I see it a little bit more. So I see little bits and pieces, but I don't really pay that much attention.\n\nBut I might have to just so I can see what the gossip is in the office. Yeah. Just so I can throw something in. Oh, yeah. I know about such and such.\n\nYeah. They're such a bitch. So yeah. I gotta sound like I'm in the in crowd now. Yeah.\n\nYeah. Yeah. It makes it sound like you know what you're talking about. Yeah. That's it.\n\nAlright. Thanks. Yep. Yep. Too easy.\n\nThank you for that. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.032511141151189804},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4393863976001739},{"text":"Thanks.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.5063410401344299},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.27464283009370166},{"text":"Yes.","start":10.32,"end":10.82,"sentiment":"neutral","sentiment_score":0.1996477097272873}],"sentiment":"neutral","sentiment_score":0.28597353984202656,"num_words":7,"start":1.28,"end":10.82},{"sentences":[{"text":"Yep.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":0.24044394493103027},{"text":"I'm at home now, so that's 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straightforward.","start":1367.385,"end":1368.6051,"sentiment":"neutral","sentiment_score":0.22544346377253532}],"sentiment":"positive","sentiment_score":0.3478772166100415,"num_words":11,"start":1358.57,"end":1368.6051},{"sentences":[{"text":"Easy.","start":1369.0651,"end":1369.5651,"sentiment":"positive","sentiment_score":0.3704644739627838},{"text":"I think that was half my fault.","start":1376.985,"end":1378.3451,"sentiment":"neutral","sentiment_score":-0.1863866490977151},{"text":"I don't think I answered straight away.","start":1378.3451,"end":1383.87,"sentiment":"neutral","sentiment_score":-0.2023089357784816},{"text":"Yep.","start":1391.29,"end":1391.79,"sentiment":"neutral","sentiment_score":0.06867551803588867},{"text":"It's a good 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it.","start":1434.245,"end":1435.0651,"sentiment":"neutral","sentiment_score":0.19239025935530663},{"text":"I think you might have.","start":1444.82,"end":1446.36,"sentiment":"neutral","sentiment_score":0.07754802405834198},{"text":"Yeah.","start":1450.305,"end":1450.545,"sentiment":"neutral","sentiment_score":0.12748877704143524},{"text":"Go on.","start":1450.545,"end":1450.865,"sentiment":"neutral","sentiment_score":0.1121927872300148},{"text":"Send it to me.","start":1450.865,"end":1451.925,"sentiment":"neutral","sentiment_score":0.14706114307045937}],"sentiment":"neutral","sentiment_score":0.12233139734183039,"num_words":14,"start":1434.245,"end":1451.925},{"sentences":[{"text":"I feel like Bart sent it to me at some stage too.","start":1452.305,"end":1454.9451,"sentiment":"positive","sentiment_score":0.3500824148456256},{"text":"But yeah.","start":1454.9451,"end":1457.025,"sentiment":"neutral","sentiment_score":0.033726124092936516},{"text":"Yeah.","start":1457.025,"end":1457.425,"sentiment":"neutral","sentiment_score":0.015345698222517967},{"text":"I'll have a look at it.","start":1457.425,"end":1458.645,"sentiment":"neutral","sentiment_score":0.04248037996391455},{"text":"I was just about to say that I know exactly what I can probably get rid of, but it's so hard too because I'm like, oh, but I'm still watching that show.","start":1466.96,"end":1475.7749,"sentiment":"neutral","sentiment_score":-0.18097417429089546}],"sentiment":"neutral","sentiment_score":-0.02363215798055226,"num_words":53,"start":1452.305,"end":1475.7749},{"sentences":[{"text":"And, like and this show is coming back on that one.","start":1475.7749,"end":1478.975,"sentiment":"neutral","sentiment_score":-0.13105268166823822},{"text":"And so yeah.","start":1478.975,"end":1479.7749,"sentiment":"neutral","sentiment_score":-0.07756711418430011},{"text":"But I spend way too much money on TV.","start":1479.7749,"end":1481.875,"sentiment":"neutral","sentiment_score":-0.2336392319864697},{"text":"Ugh.","start":1486.78,"end":1486.86,"sentiment":"neutral","sentiment_score":-0.1981367468833923},{"text":"Today.","start":1486.86,"end":1487.36,"sentiment":"neutral","sentiment_score":0.016688775271177292}],"sentiment":"neutral","sentiment_score":-0.1583392760157585,"num_words":25,"start":1475.7749,"end":1487.36},{"sentences":[{"text":"Having to cancel it and then restart it again.","start":1487.5,"end":1489.98,"sentiment":"neutral","sentiment_score":-0.09452322622140248},{"text":"It's like, oh my gosh.","start":1489.98,"end":1491.28,"sentiment":"neutral","sentiment_score":0.01641266718506813},{"text":"They really get you too, don't they?","start":1491.74,"end":1493.6,"sentiment":"neutral","sentiment_score":-0.019295339871730124},{"text":"I know.","start":1498.86,"end":1499.52,"sentiment":"neutral","sentiment_score":-0.15130342543125153},{"text":"You think, oh, okay.","start":1499.66,"end":1501.36,"sentiment":"neutral","sentiment_score":-0.1372460424900055}],"sentiment":"neutral","sentiment_score":-0.06501126296266362,"num_words":27,"start":1487.5,"end":1501.36},{"sentences":[{"text":"That's not that much.","start":1501.42,"end":1502.445,"sentiment":"neutral","sentiment_score":-0.19653087854385376},{"text":"But then they all do it.","start":1502.6849,"end":1504.1449,"sentiment":"neutral","sentiment_score":-0.07369092479348183},{"text":"It does.","start":1508.6849,"end":1509.345,"sentiment":"neutral","sentiment_score":0.053909072652459145},{"text":"Yes.","start":1510.365,"end":1510.865,"sentiment":"neutral","sentiment_score":0.11085250228643416},{"text":"Okay.","start":1510.9249,"end":1511.4249,"sentiment":"neutral","sentiment_score":0.12548959255218506}],"sentiment":"neutral","sentiment_score":-0.06315063019948346,"num_words":14,"start":1501.42,"end":1511.4249},{"sentences":[{"text":"Just the email.","start":1520.25,"end":1520.97,"sentiment":"neutral","sentiment_score":0.14441204071044922},{"text":"Print off is fine.","start":1520.97,"end":1522.03,"sentiment":"neutral","sentiment_score":0.23466618731617928},{"text":"Yes.","start":1524.33,"end":1524.83,"sentiment":"neutral","sentiment_score":0.2677243947982788},{"text":"K.","start":1526.57,"end":1527.07,"sentiment":"neutral","sentiment_score":0.1967378705739975},{"text":"Yep.","start":1537.3949,"end":1537.8949,"sentiment":"neutral","sentiment_score":0.10535043478012084}],"sentiment":"neutral","sentiment_score":0.19417135715484618,"num_words":10,"start":1520.25,"end":1537.8949},{"sentences":[{"text":"Yep.","start":1548.99,"end":1549.49,"sentiment":"neutral","sentiment_score":0.2427356243133545},{"text":"All the boys in my office talked about math.","start":1549.95,"end":1552.35,"sentiment":"neutral","sentiment_score":0.27605104115274215},{"text":"So I was just talking about math, but today they're like, oh, it's so good.","start":1552.35,"end":1556.05,"sentiment":"positive","sentiment_score":0.39353485802809396},{"text":"And then it just shows to my wife how good how good our relationship is.","start":1556.135,"end":1560.395,"sentiment":"positive","sentiment_score":0.5928261915842692},{"text":"That's what that was saying.","start":1561.495,"end":1562.535,"sentiment":"neutral","sentiment_score":0.08756604343652725}],"sentiment":"positive","sentiment_score":0.3991209101345804,"num_words":45,"start":1548.99,"end":1562.535},{"sentences":[{"text":"I'm like, you guys are crazy.","start":1562.535,"end":1564.155,"sentiment":"neutral","sentiment_score":0.07292054345210393},{"text":"I know.","start":1567.5751,"end":1567.7466,"sentiment":"neutral","sentiment_score":0.03318466804921627},{"text":"I might have to start actually watching it a little bit more.","start":1567.7466,"end":1567.8835,"sentiment":"neutral","sentiment_score":0.015526465916385254},{"text":"So I see it a little bit more.","start":1567.8835,"end":1570.39,"sentiment":"neutral","sentiment_score":-0.013311313232406974},{"text":"So I see little bits and pieces, but I don't really pay that much attention.","start":1570.39,"end":1573.67,"sentiment":"neutral","sentiment_score":-0.028154096007347106}],"sentiment":"neutral","sentiment_score":0.0037536800427492275,"num_words":43,"start":1562.535,"end":1573.67},{"sentences":[{"text":"But I might have to just so I can see what the gossip is in the office.","start":1573.67,"end":1577.61,"sentiment":"neutral","sentiment_score":-0.02889499079216929},{"text":"Yeah.","start":1578.39,"end":1578.79,"sentiment":"neutral","sentiment_score":-0.03840155154466629},{"text":"Just so I can throw something in.","start":1578.79,"end":1580.73,"sentiment":"neutral","sentiment_score":-0.03320349380373955},{"text":"Oh, yeah.","start":1580.87,"end":1581.35,"sentiment":"neutral","sentiment_score":-0.031316131353378296},{"text":"I know about such and such.","start":1581.35,"end":1583.1901,"sentiment":"neutral","sentiment_score":-0.04610325520237287}],"sentiment":"neutral","sentiment_score":-0.03337250441087015,"num_words":33,"start":1573.67,"end":1583.1901},{"sentences":[{"text":"Yeah.","start":1583.1901,"end":1583.51,"sentiment":"neutral","sentiment_score":-0.09829576313495636},{"text":"They're such a bitch.","start":1583.51,"end":1584.465,"sentiment":"neutral","sentiment_score":-0.2601650655269623},{"text":"So yeah.","start":1585.585,"end":1585.985,"sentiment":"neutral","sentiment_score":-0.03458225540816784},{"text":"I gotta sound like I'm in the in crowd now.","start":1585.985,"end":1588.725,"sentiment":"neutral","sentiment_score":-0.01823075897991657},{"text":"Yeah.","start":1595.345,"end":1595.845,"sentiment":"neutral","sentiment_score":0.024712683632969856}],"sentiment":"neutral","sentiment_score":-0.07587308012362984,"num_words":18,"start":1583.1901,"end":1595.845},{"sentences":[{"text":"Yeah.","start":1596.7849,"end":1597.2849,"sentiment":"neutral","sentiment_score":0.06122769042849541},{"text":"Yeah.","start":1597.82,"end":1598.06,"sentiment":"neutral","sentiment_score":0.10879305005073547},{"text":"It makes it sound like you know what you're talking about.","start":1598.06,"end":1600.24,"sentiment":"neutral","sentiment_score":0.1296343132853508},{"text":"Yeah.","start":1603.58,"end":1603.9,"sentiment":"neutral","sentiment_score":0.09608867019414902},{"text":"That's it.","start":1603.9,"end":1604.64,"sentiment":"neutral","sentiment_score":0.08037648722529411}],"sentiment":"neutral","sentiment_score":0.11580248945392668,"num_words":16,"start":1596.7849,"end":1604.64},{"sentences":[{"text":"Alright.","start":1606.86,"end":1607.26,"sentiment":"neutral","sentiment_score":0.25491347908973694},{"text":"Thanks.","start":1607.26,"end":1607.76,"sentiment":"positive","sentiment_score":0.5197734832763672},{"text":"Yep.","start":1608.3,"end":1608.8,"sentiment":"neutral","sentiment_score":0.13118630647659302},{"text":"Yep.","start":1612.815,"end":1613.315,"sentiment":"neutral","sentiment_score":0.28785085678100586},{"text":"Too easy.","start":1615.295,"end":1615.9349,"sentiment":"positive","sentiment_score":0.5307032763957977}],"sentiment":"positive","sentiment_score":0.37585511306921643,"num_words":6,"start":1606.86,"end":1615.9349},{"sentences":[{"text":"Thank you for that.","start":1615.9349,"end":1616.995,"sentiment":"positive","sentiment_score":0.7947521954774857},{"text":"You too.","start":1619.775,"end":1620.335,"sentiment":"positive","sentiment_score":0.5202994346618652},{"text":"Bye.","start":1620.335,"end":1620.835,"sentiment":"neutral","sentiment_score":0.32364097237586975}],"sentiment":"positive","sentiment_score":0.6490355176585061,"num_words":7,"start":1615.9349,"end":1620.835}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Julie. It's Carl calling back from. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Good. Have I got you at a better time now?\n\nChannel 1: Yes. Yep. I'm at home now, so that's good.\n\nChannel 0: Great. Yes. As I was saying before, just in regards to that statement of advice update. Now I know it has taken a while, so I do apologize. I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes.\n\nSo it's been quite quite the eventful end of last year and start of the year. So I do apologize for\n\nChannel 1: Yeah.\n\nChannel 0: the wait.\n\nChannel 1: I've heard yeah. I've heard a bit.\n\nChannel 0: Yeah. No problem. Just to get started on that one, if I could pass through security with that name, date of birth, and current address, and we can start on that one?\n\nChannel 1: Yep. Julia Cooper, the 08/25/1982 and Unit 4059 North Oaks Avenue, Surface, Paradise.\n\nChannel 0: One. Perfect. Thank you for that one. Now I will be sending out that statement advice piece to your email, which will bethej.cooper.82@hotmail.com. Is that correct?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Perfect. I'll just send that through now. It may take a second just to come through there. While that is coming through, there are a few supporting documents in that as well. It's mainly the PDFs for the products that you do hold in regards to that and also the updated Oakview services guide and financial services guide there as well.\n\nIf you have a browse through, if you wanna see some new faces and see who's working here at the moment, get to know them a little bit better because we know a fair bit about you. It's nice that you can know a little bit about us as well.\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Perfect. Now in regards to your account, so we see it's been a little bit there as well. Just with your personal circumstances, has anything changed majorly since we last spoke? Because I know it has been a little bit there.\n\nChannel 1: Nothing too major. I'm still working for the same place and all that kind of stuff. I'm still waiting for a I've got a DBA claim in.\n\nChannel 0: Yeah. I do\n\nChannel 1: And,\n\nChannel 0: remember you stating that.\n\nChannel 1: yeah, and I've been told that they're looking at my case right now. So I don't know when I'm gonna get a decision from that, but\n\nChannel 0: Okay.\n\nChannel 1: I'm kinda hoping soon.\n\nChannel 0: Yep.\n\nChannel 1: And then I did get a preapproval for a home loan, but I'm yeah. Kinda waiting for DBA to come and see what money I'll get from them as well before I go and do anything I'm\n\nChannel 0: Yep. Okay.\n\nChannel 1: buying\n\nChannel 0: Not\n\nChannel 1: the things.\n\nChannel 0: a problem.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Right.\n\nChannel 0: was that through one of our mortgage brokers, or is that just someone you've gone to\n\nChannel 1: It\n\nChannel 0: separately?\n\nChannel 1: was just through Saint George because it was with the same because I'm in a family trust with the rest of the family, and they\n\nChannel 0: Yeah.\n\nChannel 1: I'm on their line. So I got I got Saint George to have a look, and they preapproved me, but I probably I probably won't go through them. I'm thinking I'll go through, yeah, your mortgage broker once\n\nChannel 0: Could\n\nChannel 1: I'm\n\nChannel 0: Yeah. A\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: spoke\n\nChannel 0: more set\n\nChannel 1: to\n\nChannel 0: up\n\nChannel 1: him\n\nChannel 0: and\n\nChannel 1: before.\n\nChannel 0: see what you sort\n\nChannel 1: Yeah.\n\nChannel 0: of yeah. Because\n\nChannel 1: Yeah. And I know how much I what like, I wanna spend, basically, or can spend.\n\nChannel 0: yeah. Exactly. Yeah. You probably have spoken to Grant before, so he's the one that's, like,\n\nChannel 1: Yes.\n\nChannel 0: directly associated with O. K. There are a few more other ones now that are part of, like, the OVA Alliance\n\nChannel 1: Oh,\n\nChannel 0: that but\n\nChannel 1: okay.\n\nChannel 0: I'm sort of have started up as well. So,\n\nChannel 1: Oh,\n\nChannel 0: yeah,\n\nChannel 1: okay.\n\nChannel 0: we can sort of refer you on to either sort of there is, you know, people because I believe Grant sort of stepped back a little bit\n\nChannel 1: Yeah.\n\nChannel 0: now.\n\nChannel 1: He was adding Grant halfway into retirement. Isn't he? He's still trying\n\nChannel 0: Yeah.\n\nChannel 1: to.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: I think he's got one foot out the door, which is good for him. You know? He's\n\nChannel 1: Yes.\n\nChannel 0: obviously\n\nChannel 1: Very\n\nChannel 0: worked\n\nChannel 1: good\n\nChannel 0: hard.\n\nChannel 1: for him.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Exactly. So there's a few other here that, yeah, have joined that sort of OVA lines that we can refer you on to as\n\nChannel 1: Alright.\n\nChannel 0: well\n\nChannel 1: Cool. Okay.\n\nChannel 0: that we've sort of met, and they're they're quite good.\n\nChannel 1: Yeah.\n\nChannel 0: And as long as none of those details change, that's largely good there. And\n\nChannel 1: Yep.\n\nChannel 0: in regards to your personal, I know you're sort of focused on paying that down because it has been a bit long. And have you managed to sort of do alright with that at the moment?\n\nChannel 1: Yeah. I think I'm doing okay. Yeah. Kinda got it down a bit and, yeah, sort of a bit ahead now. So it's good.\n\nChannel 0: Brilliant. That's good\n\nChannel 1: Yeah.\n\nChannel 0: to hear. And then so with that one there, has that Odoo come through with that document there, Julia?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Right. So there is a copy. So the way that one works now, because I know you've used DocuSign previously as part of, like, the\n\nChannel 1: Yes.\n\nChannel 0: other changes as well with the different systems. But with that one, it does provide we provide the document as an attachment there as well. So you can go to the statement advice. That way, you can click on the link as well, and it does have the signable documents if you wanna review it that way as well. But feel free to just use the attachment, have a read through, see if you're happy with everything.\n\nIt actually eventually had to be quite simple in terms of the advice after reviewing everything. So we did have a\n\nChannel 1: Yes.\n\nChannel 0: look at your military super and the portion that can potentially be rolled over. Now with that one and, like, the benefits you do receive in that fund versus, like, the the tax that may be payable, the hoops you need to jump through in terms of getting that money out to the the amount that's in there, It really didn't sort of work out to be beneficial.\n\nChannel 1: Yep.\n\nChannel 0: So we just sort of will leave it there because either way, you have to keep the defined benefit portion because we can't touch that anyway. And then it's\n\nChannel 1: Yes.\n\nChannel 0: about 40,000 that's in the member benefit that we could have potentially touched, but, you know, it might just be worth leaving it. It might just get a better return and better benefits in regards to that. And then with that one as well, if you were to sort of stop working at the age of 55, you know, depending on how things are going or not or how things are, you can actually draw down on that military super before the age of 60 if you aren't working and meet those conditions of release. So\n\nChannel 1: Yes.\n\nChannel 0: by keeping those funds there, it could sort of eventuate to an early retirement depending on how things are or if you're not working at the time and wanna access funds early. Just even sort of with the how the DBA thing goes as well and if whether or not you sort of end up not working and being on the that sort of pension amount.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. So in regards to the advice piece itself, obviously, it's created for yourself by myself as an authorized representative for Oakview Financial. Now in regards to the best interest to you that's just stating if we can't put in a better position, we won't actually recommend it. It's sort of what we're bound by. As far as the scoping is considered, we did just sort of touch on superannuation estate planning side of things.\n\nThe things that we're more sort of accountable for are the the budget saving, the debt management, and the the property down the track, which is sort of goals that you're working towards, but you didn't specifically request advice on. And\n\nChannel 1: Yes.\n\nChannel 0: then it's partially scoped in yet your military super and those personal insurances because with going through the DVA claim as well, now the policy do hold and because they weren't symptoms at the time of taking out that policy, that would likely result in exclusions on a new policy if we were to rewrite. So we wanna maintain your current insurances as well as you do get a benefit with inside your military super. It's not like life in TPD. It's a bit different in the way they sort of work it, but it is sort of an insurance at the end of the day as\n\nChannel 1: Yes.\n\nChannel 0: well. So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well.\n\nChannel 1: Yep.\n\nChannel 0: With\n\nChannel 1: That's\n\nChannel 0: that as\n\nChannel 1: it.\n\nChannel 0: well, yeah, we did sorta just recommend that you do set up a will. I know you did have a will a long time ago, but you've got sort of a few things that have changed since then. And\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: You just send me everything, and I didn't do I didn't do anything with it. So I better do that.\n\nChannel 0: yeah. So we you can obviously find someone that's, you know, a bit more suited to you if you've got someone like the lawyer that works through the trust as well. You could sort of go to them and look at setting up a will.\n\nChannel 1: Oh, yeah. Yep.\n\nChannel 0: And then just with your your beneficiary nominations, just because you've got your your sisters nominated as well, they just might not form a valid nomination under the Sys\n\nChannel 1: Yeah. I know I need to change that.\n\nChannel 0: Act.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So if you set up the will, you can nominate a legal personal representative, what should work we're recommending. And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will. Now the sort of risk with that obviously comes with estate versus non estate assets, and people can claim against, you know, if you got ex spouses, things like that that feel like, you know, they're entitled to some of your estate after you're gone. That does sort of open up the super to that.\n\nBut if you don't have a valid nomination anyway, it's likely that it will end up at the estate at some point or another. It's just the time frame it takes to sort of get there if no one\n\nChannel 1: Yes.\n\nChannel 0: sort of makes a claim at your super if sort of did something were to occur.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Well, on page seven there, you'll see your details there. So, hopefully, that's all up to date. I know you're sort of, you know, aiming to save roughly around at $2.50. The income's around the $1.35 and your other details there as a safety adviser.\n\nNow on the next page is just an assets and liabilities where things are at. Now, obviously, with that as well, that's likely to change if you were to purchase a home now that you got preapproval, things like that as well. So with that, we can update that along the way as well. Once you're sort of looking at things and sort of reach out, we can sort of put you in touch with the mortgage broker and get you updated with things.\n\nChannel 1: Yep.\n\nChannel 0: As far as where things are at the moment, you do have that PT Panorama and the military super, and then you've got the BT Panorama or the BT Life policy within BT Panorama, which run at 318,000 of life and TPD, and then the income protection for that thirty days five year benefit. Now as I said, you don't currently have any exclusions because, you know, symptoms have arose from your time and service, things like that ongoing. If we were to rewrite a policy, they're likely enough exclusions. So we wanna maintain that policy just because they don't have those current exclusions listed, if that makes sense.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. As far as your risk profile goes, so you did score a growth, which is slightly a little bit more risk adverse, but, unfortunately, you've got a fair bit of time until retirement or you can access your your regular super. So you do have the time to be able to take on a little bit more risk. We had that discussion around being in that high growth versus the growth, and\n\nChannel 1: Yep.\n\nChannel 0: you were comfortable with that ninety ten sort of split of growth to defensive assets. Is that still the case?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Right. There's a little bit about a high growth portfolio if you wanna have a read through that as well. And then the gist of the recommendation is is obviously maintain that BT Panorama. Now BT is still quite a good product in terms of, like, service they provide. I'm not too sure if you've logged in and had a play around or not in their reporting or looking at your your superannuation or how it is tracking.\n\nChannel 1: Yeah. But I've yeah. I've had a look. Yep. Not recently,\n\nChannel 0: Yeah.\n\nChannel 1: but, yes, I did.\n\nChannel 0: Yeah.\n\nChannel 1: I've had a look around.\n\nChannel 0: Yeah. No. No problem. So we did compare it to a few others there as well. In terms of, like, the price you are paying, it is still comparable in the market, still competitive.\n\nAnd then it also means that you don't have to worry about selling down and, like, realizing any capital gains fully by moving funds. It's still a good product, and, you know, obviously, if you have no issues with it as well, that's good in itself as as well. By maintaining that as well, you don't have to go through the whole hassle of setting up a new product and getting to know a new sort of platform there. In addition to, you can maintain the same level of risk. We can still adjust things on BT Panorama.\n\nIt's still quite a good platform for advisers there as well. Now with that, we're recommending that you do change your investment within that. So you'd give me a time on board. Obviously, a few things have changed and things like that as well since that time. And then the active investment, Bandalong, I'm not too sure if you heard their underlying investment they have called Corporate Traveler did have a bit of a moment there where they weren't reporting correctly and they got done for it.\n\nSo with that, they had to reevaluate that stock. And as a result, Ben Long took a bit of a backwards step. So we are looking at removing you from that actively managed fund. Even though it has taken a loss, it's sort of something that was unforeseen, and it's also not Australian equities issue. It's not like the markets they're invested in.\n\nIt's the actual fund and the investments they chose itself. So we're looking at getting you out of that\n\nChannel 1: Okay.\n\nChannel 0: just moving forward. And then in addition to that as well, we're looking at moving you to a fund that doesn't have an active portion, and it's moving you towards just standard index version. Now with that, it comes with lower costs because you don't have someone trying to outperform the market. So it's a little less in terms of risk, but you still have the same amount of growth assets. And then with that and the way the markets have been tracking, they have been tracking quite well.\n\nSo that, hopefully, that indexed investment are not only paying less, but hopefully still tracks well and performs well over that next sort of three to five year period.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Perfect. Now with that, there's always a degree of risk when sort of doing the buy and sells and the time it takes within that, the time out of the market. So that\n\nChannel 1: Yep.\n\nChannel 0: is a risk there. We did also look at just maintaining your current portfolio and just switching out that active managed panel, But we decided to move things around and update you to a more sort of appropriate model portfolio to where Oakview sort of has their investments going for the next sort of foreseeable future and updating as a whole. And then with that due to the the capital gains there, it offsets some of that by that loss in Bennelong, which is good, so it means you're not paying as much. So on page 15 there, you'll see the exact change in investments. Now with that one, you will be looking at moving up your weighting in gold and how that's been tracking removing Petaluma entirely.\n\nAnd then with that, there are sort of changes in regards to not being exposed as much in Japan, winding that back a little bit. And then also looking at back the S and P 500 just for how they've performed and bringing them more weight with the the portfolio and the recommendation. So there's still your call, the S and P 500. Just from how they're performing, we're just gonna bring them back in line with the recommended. We don't want it to take up too much your portfolio in terms of waiting.\n\nSo that just adjusts it a little bit better moving forward, if that makes sense.\n\nChannel 1: Yep. No. I see.\n\nChannel 0: Perfect. Now in regards to that on page 16 there, you'll see that you're currently in around 90 tenths split with your growth port a high growth portfolio there. With your current portfolio, it's around 84% in growth assets, whereas this will push you up to around 88. Now you will have slightly more assets in those growth portfolio alignment to get those higher returns potentially. But then with that as well, you don't have that active manager risk within the portfolio.\n\nSo increasing the gross asset slightly, but then also reducing the manager risk as well within the fund. So hopefully, you experience a little less volatility moving forward as well.\n\nChannel 1: So sounds good.\n\nChannel 0: Do you have any questions in regards to that at all, Julie?\n\nChannel 1: No. No. Sounds good.\n\nChannel 0: Yeah.\n\nChannel 1: Hi, Chelsea.\n\nChannel 0: No. Okay. Not a problem. So this was one of the portfolios that Bart built there as well. So if you do have a bit of a problem, yeah, you can sort of have a go at him and see where he's\n\nChannel 1: Oh, okay.\n\nChannel 0: still done.\n\nChannel 1: I will. Yep.\n\nChannel 0: Yeah. So yeah. So when I say, like, obviously, Bart's part of the investment committee there. They update the portfolios quite regularly, and then this is one of the later portfolios that does remove the active managed portion. We can look to add the active management, but which is how they've been tracking recently and how the markets have been tracking with, you know, Trump playing around.\n\nThey haven't been performing that great. There have been a few winners, but then also there have been quite a few losers in that space just with it's really unpredictable at the moment in terms of, like, how things are tracking. You know, Elon Musk is playing around there as well and then also causing Tesla\n\nChannel 1: Yes.\n\nChannel 0: to go ups and downs and things like that. So it's really hard\n\nChannel 1: Yes.\n\nChannel 0: sort of to gauge how things are tracking, especially when you have someone like that that goes down and just announces things randomly that cause the market to do backflips.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving. Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return. Now the projection for the five year rolling average was around 19%, but, obviously, that's not gonna occur year on year on year. It is obviously just highlighting how things have gone. It's nothing's gonna replicate year on year like that again.\n\nBut, hopefully, given that you're paying a lower cost, you do have that guaranteed savings in terms of that fee, which helps your super grow in addition to, hopefully, the fund that's recommended does perform better as well. So you get maybe that little bit of a double whammy, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So, yeah, obviously, we're hoping for lower fees, lower costs, and then aiming for that higher return. As I'm so unfortunate, that return's never the king that's guaranteed. But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking. In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as well.\n\nAs I said, to\n\nChannel 1: Okay.\n\nChannel 0: be taken with a grain of salt, but, you know, it's nice to see visually what that might look like if everything did replicate.\n\nChannel 1: Yep.\n\nChannel 0: The next section on there is in just regards to those beneficiary nominations. So we do recommend nominating that legal post representative. You only have to do it once, which is lucky because the BT Panorama is a platform policy. Now if you were to ever leave BT Panorama, we can look at making that policy stand alone with Tel, which is a bit of a process in itself, but it doesn't mean you are locked to the fund, but it just means at the moment it's on the platform there. You don't have to worry about doing two different nominations.\n\nYou can just do the one, which is nice. A little bit of simplicity there for you.\n\nChannel 1: Yes.\n\nChannel 0: There is some advantages and disadvantages in regards to that, but I kinda touched on them there before. So feel free to have a read through of that. And if you were to sort of make an estate asset versus a non estate asset, obviously, if you get a spouse, you can look at changing that. Beneficiaries aren't locked in. We do recommend you sort of\n\nChannel 1: Yes.\n\nChannel 0: review them regularly to make sure that you are happy with them. You know, if you were to sort of have a partner down the track, you probably want them receive it. And, you know, the systems might take a little bit of a back burner.\n\nChannel 1: Yes.\n\nChannel 0: In terms of a will there, we obviously we're recommending you establish a will. We can pass along CDM's information again if you'd like. But in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, by having a will, it just distributes your assets the way you'd like them to be distributed, whether you've not got a few airline things you wanna pass along certain people, whether it's having, you know, power of attorney in the event that you were incapacitated. You know, you might be a pull the plug person, might be a not pull the plug person. And then with\n\nChannel 1: Yes.\n\nChannel 0: that, you can sort of put it in writing so it takes those decisions out of family members' hands if something were\n\nChannel 1: Yeah.\n\nChannel 0: to sorta happen. It\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: do\n\nChannel 0: sort\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: again.\n\nChannel 0: minimize, yeah, the stress in those times, if that makes sense as well.\n\nChannel 1: Yep. I'll just tell Tracy to pull the plug.\n\nChannel 0: Yeah. I\n\nChannel 1: She'll\n\nChannel 0: I\n\nChannel 1: do\n\nChannel 0: might\n\nChannel 1: it.\n\nChannel 0: Yeah. I I probably wouldn't be one\n\nChannel 1: Yes.\n\nChannel 0: to to be on the machines either, so give\n\nChannel 1: Yeah.\n\nChannel 0: me a few weeks. If things haven't turned around, you know, just let me go.\n\nChannel 1: Well, like, give me a couple of weeks and then, yeah, if it doesn't look like it's happening, just get rid of\n\nChannel 0: Yeah. You know?\n\nChannel 1: me. Take\n\nChannel 0: Put\n\nChannel 1: my\n\nChannel 0: put\n\nChannel 1: seatbelt.\n\nChannel 0: the\n\nChannel 1: Fine.\n\nChannel 0: yeah. Put the money towards maybe a nice coffin and call it a day. Spend\n\nChannel 1: Yeah.\n\nChannel 0: on the wake.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah. And that's, yeah, leading on to that power of attorney section on page 24 there and the advantages and disadvantages of that. Obviously, you know, you don't have to have a power of attorney. You don't have to have advanced health care directive, things like that as well. But like\n\nChannel 1: Yep.\n\nChannel 0: I said, it does take those decisions out of the hands of family members. And, you know, some family members, you know, during those emotional times, might wanna keep you around. Whereas if you've got your decision on paper, it makes it\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: a lot\n\nChannel 1: Yeah.\n\nChannel 0: easier.\n\nChannel 1: Yeah.\n\nChannel 0: In\n\nChannel 1: I guess\n\nChannel 0: terms\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: needs to be at that sorted.\n\nChannel 0: yeah. Yeah. So as I said, I can pass on the information as well if you'd like again. Otherwise but\n\nChannel 1: Still have it, but maybe just send it in case.\n\nChannel 0: yeah.\n\nChannel 1: That might\n\nChannel 0: Not a problem.\n\nChannel 1: prompt prompt me to actually book in.\n\nChannel 0: Yeah. And then worst case scenario, if you don't wanna see a solicitor, you don't wanna pay the few $100 for a will and all things set up, you can get, like, a post office will, which is generally, like, you know, 50 to $100. And as long as you follow the steps, at least you've got something in place until such time\n\nChannel 1: Yes.\n\nChannel 0: you're sort of ready to get around to, you know, sitting\n\nChannel 1: Yeah.\n\nChannel 0: down with a lawyer, drawing things out, those sort\n\nChannel 1: Nice\n\nChannel 0: of\n\nChannel 1: one.\n\nChannel 0: things.\n\nChannel 1: Yeah. No. Almost makes the way I do it.\n\nChannel 0: Yeah. In terms of the adviser fee, so you're not on a regular adviser fee. You're on 1.49, which I believe Bart set up as well. It's outside of the\n\nChannel 1: Yes.\n\nChannel 0: normal sort of fees, but we're just maintaining that as well. If you feel like you're paying too much, feel free. You know, tell Tracy that tell Bart to pull his finger out, but that is lower than the the standard\n\nChannel 1: No.\n\nChannel 0: fee that we do\n\nChannel 1: I\n\nChannel 0: have.\n\nChannel 1: think I\n\nChannel 0: So\n\nChannel 1: know. Yeah. I think I know I'm getting a good deal. So it's that.\n\nChannel 0: maybe with the growth in the estimated breaker, it might look like a sort of 4,400 bit over in terms of, like, a yearly fee. But as I said, that's based on, like, the gross projection as well. So if the market market store a little bit or they fluctuate or take a bit of a dive, you won't actually pay that amount. But if they do really well, you might end up paying a little bit more as well. But that does have growth projected into it, if that makes sense.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Perfect. But in terms of, like, any other fees, you don't get charged, like, any other things, like, for the phone calls or pieces of paper or beneficiary forms, things like that. CGM does have their own pricing. Brokers get paid, obviously, through the institutions they lend with, so you don't have to pay out of pocket for those mortgage brokers. But, yeah, if you like to visit one of the OVA accountants or, you know, the lawyers there, it does come\n\nChannel 1: Yes.\n\nChannel 0: with their own separate fees.\n\nChannel 1: Yes.\n\nChannel 0: I think in terms of the advice to you, it's quite simple. As I said, it is basically just an investment update because we did review everything, but just based on, you know, we can't really touch the insurances at the moment just while you're going through that claims. We can potentially look at top up cover once you sort of purchase a property if you'd like to be covered for a bit more of your debt if you do purchase a place and having a a separate policy that may have those exclusions moving forward.\n\nChannel 1: Yes.\n\nChannel 0: But at least you'll have that current policy still in place there as well as that military super. And then once you're sort of happy with everything you did wanna sign the document, we'd deal with updating the portfolio. But when it comes to the the beneficiary forms and, you know, getting a will sorted in place, things like that, that is up to you and your own time there as well. We'll obviously follow you up, but I can't force you to draw up a will. But\n\nChannel 1: That's\n\nChannel 0: in in\n\nChannel 1: that's okay.\n\nChannel 0: okay. Perfect. And in saying that too, I can send you a copy of your your beneficiary form for BT to be able to fill out as well and update.\n\nChannel 1: Yeah. That'd be good. Okay. That's\n\nChannel 0: Perfect. But do you have any questions in regards to anything we've sort of discussed there, Julian?\n\nChannel 1: No. All seems pretty straightforward. Easy.\n\nChannel 0: Yeah. It is quite quite straightforward and simple. That one, as I said I apologize for how long it has taken. But, yeah, a lot a lot\n\nChannel 1: I\n\nChannel 0: of stuff\n\nChannel 1: think that\n\nChannel 0: going\n\nChannel 1: was half\n\nChannel 0: on.\n\nChannel 1: my fault. I don't think I answered straight\n\nChannel 0: Yeah. No. It's perfectly fine. Yeah. It's probably a bit of both.\n\nChannel 1: away.\n\nChannel 0: Obviously, you know, it's not a call you wanna take every afternoon when I take up forty minutes of your time to talk about random financial advice.\n\nChannel 1: Yep.\n\nChannel 0: Right.\n\nChannel 1: It's a good\n\nChannel 0: It's perfect. In terms of the advice piece there, obviously, feel free to have a read through. I didn't sort of skim through. I don't wanna take up all of your afternoon once you've had a busy day, but feel free to have a little read through it, see if you're happy with everything. There are links\n\nChannel 1: yep.\n\nChannel 0: in your pen to the recommended investments, so feel free to have a look at those as well, see if you're happy with everything. If you wanna look at maybe changing things or, you know, you see something you don't like, feel free to give us a callback. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: if you did sign it, it redoes that advice fee, those, like, ongoing\n\nChannel 1: Yep.\n\nChannel 0: service claim if you're happy to stay on for the next twelve months in addition to we'll get those advice sorted with the investment switch as well. But\n\nChannel 1: Yes.\n\nChannel 0: did you want any other updates in regards to to anything while you've got me? Or\n\nChannel 1: No. I thought I think so. That's it.\n\nChannel 0: perfect. And then did I end up sending you a copy of the of your budget planner for, you know, your budgeting and sort of dealing with the the personal loan and savings for the property?\n\nChannel 1: I think you might have.\n\nChannel 0: Is that something you want me to send again just quickly or are you\n\nChannel 1: Yeah. Go on. Send it to me.\n\nChannel 0: yeah.\n\nChannel 1: I feel\n\nChannel 0: It's\n\nChannel 1: like\n\nChannel 0: just\n\nChannel 1: Bart\n\nChannel 0: a nice\n\nChannel 1: sent it to\n\nChannel 0: nice\n\nChannel 1: me at some stage too.\n\nChannel 0: tool.\n\nChannel 1: But\n\nChannel 0: Yeah. Just\n\nChannel 1: yeah.\n\nChannel 0: when\n\nChannel 1: Yeah.\n\nChannel 0: you sort of\n\nChannel 1: I'll\n\nChannel 0: especially\n\nChannel 1: have a look\n\nChannel 0: when\n\nChannel 1: at\n\nChannel 0: you\n\nChannel 1: it.\n\nChannel 0: start saving a little bit heavy for the house, you know, you might be able to see where you might be able to cut back on a few discretionary spending. I know myself, I've got a few too many streaming services, I believe.\n\nChannel 1: I was just about to say that I know exactly what I can probably get rid of, but it's so hard too because I'm like, oh, but I'm still watching that show. And, like and this show is coming back on that one. And so yeah. But I spend way too much money on TV.\n\nChannel 0: I I know. You almost need to do a rotation of each month, but it's so much hassle with the administration of doing\n\nChannel 1: Ugh. Today.\n\nChannel 0: that, isn't\n\nChannel 1: Having to cancel it and then restart it again. It's like, oh my gosh.\n\nChannel 0: it? Yeah.\n\nChannel 1: They\n\nChannel 0: That\n\nChannel 1: really get\n\nChannel 0: one.\n\nChannel 1: you too, don't they?\n\nChannel 0: Yeah. I'm in the same boat, and then each year they put up their prices, and I'm just stuck there paying it each\n\nChannel 1: I know. You think, oh, okay. That's not that much. But then they all do it.\n\nChannel 0: year. Yeah. And it it works out to be quite a bit more over the period of twelve\n\nChannel 1: It\n\nChannel 0: months.\n\nChannel 1: does.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. Okay.\n\nChannel 0: I will send that through us. And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off?\n\nChannel 1: Just the email. Print off is fine.\n\nChannel 0: Perfect. Not a problem at all. Well, I'll get\n\nChannel 1: Yes.\n\nChannel 0: those things sorted there for you. I'll attach\n\nChannel 1: K.\n\nChannel 0: all those, and I'll get that done after this call. Otherwise, that is basically all from me. If you didn't have any questions in regards to that, as I said, feel free to have a read through the advantages and disadvantages a little bit more in-depth. But I didn't\n\nChannel 1: Yep.\n\nChannel 0: wanna take up all all your time there and cut into your dinner time and maybe some your maths this afternoon. Who who knows what's gonna happen during that? I tend to get a few of the updates in the office on what's going on, so it's probably interesting.\n\nChannel 1: Yep. All the boys in my office talked about math. So I was just talking about math, but today they're like, oh, it's so good. And then it just shows to my wife how good how good our relationship is. That's what\n\nChannel 0: Well,\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: was saying. I'm like, you guys are crazy.\n\nChannel 0: you you'll have to make sure you're up to date then so you can get in on\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: know. I might have to start actually watching it a little bit more. So\n\nChannel 0: office.\n\nChannel 1: I see it a little bit more. So I see little bits and pieces, but I don't really pay that much attention. But I might have to just so I can see\n\nChannel 0: Just\n\nChannel 1: what the\n\nChannel 0: to\n\nChannel 1: gossip\n\nChannel 0: contribute\n\nChannel 1: is in\n\nChannel 0: at\n\nChannel 1: the office.\n\nChannel 0: the smoker. Yeah.\n\nChannel 1: Yeah. Just so I can throw something in. Oh, yeah. I know about such and such. Yeah.\n\nThey're such a bitch.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. I\n\nChannel 0: Exactly.\n\nChannel 1: gotta sound like I'm in the in crowd now.\n\nChannel 0: Yeah. Yeah. It's like the the guys that don't actually watch football, but they hear it on the radio, and they just say the few phrases. You just gotta get to\n\nChannel 1: Yeah.\n\nChannel 0: get in there with a few things, and\n\nChannel 1: Yeah.\n\nChannel 0: you'll be\n\nChannel 1: Yeah. It makes it sound like\n\nChannel 0: right.\n\nChannel 1: you know what you're talking about.\n\nChannel 0: Exactly. And then just take it back, Brenna, and let it all unfold.\n\nChannel 1: Yeah. That's it.\n\nChannel 0: Alright, Julie. It's been\n\nChannel 1: Alright.\n\nChannel 0: a pleasure\n\nChannel 1: Thanks.\n\nChannel 0: speaking to you the this\n\nChannel 1: Yep.\n\nChannel 0: afternoon, but I'll I'll let you get back to it. But any questions, feel like giving me a callback. It's not a problem.\n\nChannel 1: Yep.\n\nChannel 0: We can schedule back in and have a chat.\n\nChannel 1: Too easy. Thank you for that.\n\nChannel 0: No problem at all. You enjoy the rest of the afternoon. Thanks for your time.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.032511141151189804}],"sentiment":"neutral","sentiment_score":0.032511141151189804,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good afternoon, Julie.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.23798806965351105},{"text":"It's Carl calling back from.","start":3.36,"end":4.74,"sentiment":"neutral","sentiment_score":0.16299434304237365},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.17592031757036844}],"sentiment":"neutral","sentiment_score":0.18697244335304608,"channel":0,"num_words":11,"start":2.56,"end":5.62},{"sentences":[{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4393863976001739},{"text":"Thanks.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.5063410401344299},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.27464283009370166}],"sentiment":"positive","sentiment_score":0.3539311856031418,"channel":1,"num_words":5,"start":5.92,"end":7.2999997},{"sentences":[{"text":"Good.","start":7.8399997,"end":8.24,"sentiment":"positive","sentiment_score":0.3623715937137604},{"text":"Have I got you at a better time now?","start":8.24,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.24741698470380571}],"sentiment":"neutral","sentiment_score":0.2589124456048012,"channel":0,"num_words":10,"start":7.8399997,"end":10.0199995},{"sentences":[{"text":"Yes.","start":10.32,"end":10.82,"sentiment":"neutral","sentiment_score":0.1996477097272873},{"text":"Yep.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":0.24044394493103027},{"text":"I'm at home now, so that's good.","start":11.36,"end":12.9,"sentiment":"positive","sentiment_score":0.3666950591972896}],"sentiment":"positive","sentiment_score":0.33410634100437164,"channel":1,"num_words":9,"start":10.32,"end":12.9},{"sentences":[{"text":"Great.","start":13.759999,"end":14.259999,"sentiment":"positive","sentiment_score":0.5800251960754395},{"text":"Yes.","start":15.215,"end":15.455,"sentiment":"neutral","sentiment_score":0.1865893304347992},{"text":"As I was saying before, just in regards to that statement of advice update.","start":15.455,"end":19.055,"sentiment":"neutral","sentiment_score":0.041201001166232994},{"text":"Now I know it has taken a while, so I do apologize.","start":19.055,"end":21.135,"sentiment":"neutral","sentiment_score":-0.087792684789747},{"text":"I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes.","start":21.135,"end":28.619999,"sentiment":"neutral","sentiment_score":-0.09768822310226304}],"sentiment":"neutral","sentiment_score":-0.043667034312550514,"channel":0,"num_words":56,"start":13.759999,"end":28.619999},{"sentences":[{"text":"So it's been quite quite the eventful end of last year and start of the year.","start":28.619999,"end":32.38,"sentiment":"neutral","sentiment_score":-0.18044608645141125},{"text":"So I do apologize for","start":32.38,"end":33.66,"sentiment":"neutral","sentiment_score":-0.10572244077920914}],"sentiment":"neutral","sentiment_score":-0.16265474224374407,"channel":0,"num_words":21,"start":28.619999,"end":33.66},{"sentences":[{"text":"Yeah.","start":33.51,"end":33.91,"sentiment":"neutral","sentiment_score":-0.06950059533119202}],"sentiment":"neutral","sentiment_score":-0.06950059533119202,"channel":1,"num_words":1,"start":33.51,"end":33.91},{"sentences":[{"text":"the 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Sys","start":463.565,"end":471.42502,"sentiment":"neutral","sentiment_score":-0.19408799926268644}],"sentiment":"neutral","sentiment_score":-0.19408799926268644,"channel":0,"num_words":29,"start":463.565,"end":471.42502},{"sentences":[{"text":"Yeah.","start":471.215,"end":471.715,"sentiment":"neutral","sentiment_score":-0.18726035952568057},{"text":"I know I need to change that.","start":471.85498,"end":473.215,"sentiment":"neutral","sentiment_score":-0.27500371847833904}],"sentiment":"neutral","sentiment_score":-0.26403579860925674,"channel":1,"num_words":8,"start":471.215,"end":473.215},{"sentences":[{"text":"Act.","start":473.005,"end":473.325,"sentiment":"neutral","sentiment_score":-0.07275129854679108}],"sentiment":"neutral","sentiment_score":-0.07275129854679108,"channel":0,"num_words":1,"start":473.005,"end":473.325},{"sentences":[{"text":"Yep.","start":473.215,"end":473.715,"sentiment":"neutral","sentiment_score":0.0070628090761601925}],"sentiment":"neutral","sentiment_score":0.0070628090761601925,"channel":1,"num_words":1,"start":473.215,"end":473.715},{"sentences":[{"text":"Yeah.","start":473.325,"end":473.725,"sentiment":"neutral","sentiment_score":0.028893757611513134},{"text":"So if you set up the will, you can nominate a legal personal representative, what should work we're recommending.","start":473.725,"end":477.825,"sentiment":"neutral","sentiment_score":0.17855646069112577},{"text":"And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will.","start":478.44,"end":489.08,"sentiment":"neutral","sentiment_score":0.20194656112127835},{"text":"Now the sort of risk with that obviously comes with estate versus non estate assets, and people can claim against, you know, if you got ex spouses, things like that that feel like, you know, they're entitled to some of your estate after you're gone.","start":489.08,"end":501.125,"sentiment":"neutral","sentiment_score":-0.17937883254554537},{"text":"That does sort of open up the super to that.","start":501.905,"end":504.245,"sentiment":"neutral","sentiment_score":-0.1317359499633312}],"sentiment":"neutral","sentiment_score":0.011730952675009633,"channel":0,"num_words":111,"start":473.325,"end":504.245},{"sentences":[{"text":"But if you don't have a valid nomination anyway, it's likely that it will end up at the estate at some point or another.","start":504.305,"end":509.26,"sentiment":"negative","sentiment_score":-0.41714318965872127},{"text":"It's just the time frame it takes to sort of get there if no one","start":509.26,"end":512.46,"sentiment":"neutral","sentiment_score":-0.2344756950934728}],"sentiment":"negative","sentiment_score":-0.34688646097977954,"channel":0,"num_words":39,"start":504.305,"end":512.46},{"sentences":[{"text":"Yes.","start":512.38,"end":512.88,"sentiment":"neutral","sentiment_score":-0.16474613547325134}],"sentiment":"neutral","sentiment_score":-0.16474613547325134,"channel":1,"num_words":1,"start":512.38,"end":512.88},{"sentences":[{"text":"sort of makes a claim at your super if sort of did something were to occur.","start":512.46,"end":516.32,"sentiment":"neutral","sentiment_score":-0.3078020252287388}],"sentiment":"neutral","sentiment_score":-0.3078020252287388,"channel":0,"num_words":16,"start":512.46,"end":516.32},{"sentences":[{"text":"Okay.","start":517.375,"end":517.875,"sentiment":"neutral","sentiment_score":0.15849655866622925}],"sentiment":"neutral","sentiment_score":0.15849655866622925,"channel":1,"num_words":1,"start":517.375,"end":517.875},{"sentences":[{"text":"Perfect.","start":518.54,"end":519.04,"sentiment":"neutral","sentiment_score":0.007402118295431137},{"text":"Well, on page seven there, you'll see your details there.","start":519.18,"end":521.34,"sentiment":"neutral","sentiment_score":0.1353887788951397},{"text":"So, hopefully, that's all up to date.","start":521.34,"end":523.04,"sentiment":"neutral","sentiment_score":0.31592278821127756},{"text":"I know you're sort of, you know, aiming to save roughly around at $2.50.","start":523.1,"end":526.075,"sentiment":"neutral","sentiment_score":0.3264903873205185},{"text":"The income's around the $1.35 and your other details there as a safety adviser.","start":526.075,"end":530.895,"sentiment":"neutral","sentiment_score":0.17308140226772853}],"sentiment":"neutral","sentiment_score":0.2297120538904615,"channel":0,"num_words":46,"start":518.54,"end":530.895},{"sentences":[{"text":"Now on the next page is just an assets and liabilities where things are at.","start":531.595,"end":535.535,"sentiment":"neutral","sentiment_score":0.07716123014688492},{"text":"Now, obviously, with that as well, that's likely to change if you were to purchase a home now that you got preapproval, things like that as well.","start":535.995,"end":542.62,"sentiment":"neutral","sentiment_score":0.09601394611376303},{"text":"So with that, we can update that along the way as well.","start":543.24,"end":546.44,"sentiment":"neutral","sentiment_score":0.23291544616222382},{"text":"Once you're sort of looking at things and sort of reach out, we can sort of put you in touch with the mortgage broker and get you updated with things.","start":546.44,"end":551.74,"sentiment":"neutral","sentiment_score":0.16926964968442917}],"sentiment":"neutral","sentiment_score":0.13836749811612425,"channel":0,"num_words":84,"start":531.595,"end":551.74},{"sentences":[{"text":"Yep.","start":552.745,"end":553.245,"sentiment":"neutral","sentiment_score":0.15468159317970276}],"sentiment":"neutral","sentiment_score":0.15468159317970276,"channel":1,"num_words":1,"start":552.745,"end":553.245},{"sentences":[{"text":"As far as where things are at the moment, you do have that PT Panorama and the military super, and then you've got the BT Panorama or the BT Life policy within BT Panorama, which run at 318,000 of life and TPD, and then the income protection for that thirty days five year benefit.","start":554.395,"end":570.88,"sentiment":"neutral","sentiment_score":0.07801187935250777},{"text":"Now as I said, you don't currently have any exclusions because, you know, symptoms have arose from your time and service, things like that ongoing.","start":571.18,"end":578.0,"sentiment":"neutral","sentiment_score":-0.19405657440423965},{"text":"If we were to rewrite a policy, they're likely enough exclusions.","start":578.495,"end":581.295,"sentiment":"neutral","sentiment_score":-0.2087174504995346},{"text":"So we wanna maintain that policy just because they don't have those current exclusions listed, if that makes sense.","start":581.295,"end":587.39496,"sentiment":"neutral","sentiment_score":-0.0003100157788905673}],"sentiment":"neutral","sentiment_score":-0.026977570003342874,"channel":0,"num_words":109,"start":554.395,"end":587.39496},{"sentences":[{"text":"Yes.","start":587.77,"end":588.17,"sentiment":"neutral","sentiment_score":0.2158718109130859},{"text":"Yep.","start":588.17,"end":588.67,"sentiment":"positive","sentiment_score":0.3728886842727661}],"sentiment":"neutral","sentiment_score":0.294380247592926,"channel":1,"num_words":2,"start":587.77,"end":588.67},{"sentences":[{"text":"Perfect.","start":589.695,"end":590.195,"sentiment":"positive","sentiment_score":0.5742514729499817},{"text":"As far as your risk profile goes, so you did score a growth, which is slightly a little bit more risk adverse, but, unfortunately, you've got a fair bit of time until retirement or you can access your your regular super.","start":590.71,"end":600.89,"sentiment":"neutral","sentiment_score":-0.0519816258513346},{"text":"So you do have the time to be able to take on a little bit more risk.","start":600.95,"end":603.59,"sentiment":"neutral","sentiment_score":0.05206366584581487},{"text":"We had that discussion around being in that high growth versus the growth, and","start":603.59,"end":607.245,"sentiment":"neutral","sentiment_score":0.015692896342703273}],"sentiment":"neutral","sentiment_score":-0.006194689298329288,"channel":0,"num_words":73,"start":589.695,"end":607.245},{"sentences":[{"text":"Yep.","start":607.17505,"end":607.67505,"sentiment":"neutral","sentiment_score":0.15102089941501615}],"sentiment":"neutral","sentiment_score":0.15102089941501615,"channel":1,"num_words":1,"start":607.17505,"end":607.67505},{"sentences":[{"text":"you were comfortable with that ninety ten sort of split of growth to defensive assets.","start":607.245,"end":610.685,"sentiment":"neutral","sentiment_score":0.11300696854790052},{"text":"Is that still the case?","start":610.685,"end":611.825,"sentiment":"neutral","sentiment_score":0.06364403516054154}],"sentiment":"neutral","sentiment_score":0.10066623520106077,"channel":0,"num_words":20,"start":607.245,"end":611.825},{"sentences":[{"text":"Yeah.","start":611.91003,"end":612.15,"sentiment":"neutral","sentiment_score":0.15139582753181458},{"text":"I think so.","start":612.15,"end":612.87,"sentiment":"neutral","sentiment_score":0.16717629631360373},{"text":"Yep.","start":612.87,"end":613.37,"sentiment":"neutral","sentiment_score":0.18927806615829468}],"sentiment":"neutral","sentiment_score":0.1684405565261841,"channel":1,"num_words":5,"start":611.91003,"end":613.37},{"sentences":[{"text":"Right.","start":613.565,"end":614.065,"sentiment":"neutral","sentiment_score":0.20472396910190585},{"text":"There's a little bit about a high growth portfolio if you wanna have a read through that as well.","start":614.365,"end":618.28,"sentiment":"neutral","sentiment_score":0.10290614233695362},{"text":"And then the gist of the recommendation is is obviously maintain that BT Panorama.","start":619.14,"end":622.76,"sentiment":"neutral","sentiment_score":0.11877340716975075},{"text":"Now BT is still quite a good product in terms of, like, service they provide.","start":622.9,"end":626.98,"sentiment":"positive","sentiment_score":0.5856211225191752},{"text":"I'm not too sure if you've logged in and had a play around or not in their reporting or looking at your your superannuation or how it is tracking.","start":626.98,"end":633.635,"sentiment":"neutral","sentiment_score":-0.03163560499148122}],"sentiment":"neutral","sentiment_score":0.14986734188352832,"channel":0,"num_words":78,"start":613.565,"end":633.635},{"sentences":[{"text":"Yeah.","start":633.925,"end":634.245,"sentiment":"neutral","sentiment_score":0.021599747240543365},{"text":"But I've yeah.","start":634.245,"end":635.125,"sentiment":"neutral","sentiment_score":0.01831814522544543},{"text":"I've had a look.","start":635.125,"end":635.88,"sentiment":"neutral","sentiment_score":0.021302700508385897},{"text":"Yep.","start":636.04,"end":636.28,"sentiment":"neutral","sentiment_score":0.020922552794218063},{"text":"Not recently,","start":636.28,"end":637.08,"sentiment":"neutral","sentiment_score":-0.023698940873146057}],"sentiment":"neutral","sentiment_score":0.012299059636213562,"channel":1,"num_words":11,"start":633.925,"end":637.08},{"sentences":[{"text":"Yeah.","start":636.815,"end":637.315,"sentiment":"neutral","sentiment_score":-0.005035819485783577}],"sentiment":"neutral","sentiment_score":-0.005035819485783577,"channel":0,"num_words":1,"start":636.815,"end":637.315},{"sentences":[{"text":"but, yes, I did.","start":637.08,"end":638.2,"sentiment":"neutral","sentiment_score":0.02820896776393056}],"sentiment":"neutral","sentiment_score":0.02820896776393056,"channel":1,"num_words":4,"start":637.08,"end":638.2},{"sentences":[{"text":"Yeah.","start":637.935,"end":638.435,"sentiment":"neutral","sentiment_score":0.06492407619953156}],"sentiment":"neutral","sentiment_score":0.06492407619953156,"channel":0,"num_words":1,"start":637.935,"end":638.435},{"sentences":[{"text":"I've had a look around.","start":638.2,"end":639.58,"sentiment":"neutral","sentiment_score":0.040502821654081346}],"sentiment":"neutral","sentiment_score":0.040502821654081346,"channel":1,"num_words":5,"start":638.2,"end":639.58},{"sentences":[{"text":"Yeah.","start":639.935,"end":640.095,"sentiment":"neutral","sentiment_score":0.09260403364896774},{"text":"No.","start":640.095,"end":640.255,"sentiment":"neutral","sentiment_score":0.16414546966552734},{"text":"No problem.","start":640.255,"end":640.89496,"sentiment":"neutral","sentiment_score":0.28145475685596466},{"text":"So we did compare it to a few others there as well.","start":640.89496,"end":643.23,"sentiment":"positive","sentiment_score":0.41165656099716824},{"text":"In terms of, like, the price you are paying, it is still comparable in the market, still competitive.","start":643.38995,"end":647.47,"sentiment":"positive","sentiment_score":0.5005445347891914}],"sentiment":"positive","sentiment_score":0.43439233456464377,"channel":0,"num_words":34,"start":639.935,"end":647.47},{"sentences":[{"text":"And then it also means that you don't have to worry about selling down and, like, realizing any capital gains fully by moving funds.","start":647.47,"end":654.52997,"sentiment":"positive","sentiment_score":0.48570561160643894},{"text":"It's still a good product, and, you know, obviously, if you have no issues with it as well, that's good in itself as as well.","start":654.75,"end":660.405,"sentiment":"positive","sentiment_score":0.6505914044380188},{"text":"By maintaining that as well, you don't have to go through the whole hassle of setting up a new product and getting to know a new sort of platform there.","start":660.405,"end":668.085,"sentiment":"positive","sentiment_score":0.35186417202154796},{"text":"In addition to, you can maintain the same level of risk.","start":668.085,"end":670.72504,"sentiment":"neutral","sentiment_score":0.28877297856590967},{"text":"We can still adjust things on BT Panorama.","start":670.72504,"end":672.2825,"sentiment":"positive","sentiment_score":0.37843456119298935}],"sentiment":"positive","sentiment_score":0.45593494085633024,"channel":0,"num_words":98,"start":647.47,"end":672.2825},{"sentences":[{"text":"It's still quite a good platform for advisers there as well.","start":672.2825,"end":675.94,"sentiment":"positive","sentiment_score":0.48826226592063904},{"text":"Now with that, we're recommending that you do change your investment within that.","start":677.51996,"end":683.22,"sentiment":"neutral","sentiment_score":0.058390358892770916},{"text":"So you'd give me a time on board.","start":683.6,"end":685.04,"sentiment":"neutral","sentiment_score":0.057559785433113575},{"text":"Obviously, a few things have changed and things like that as well since that time.","start":685.04,"end":688.625,"sentiment":"neutral","sentiment_score":-0.029768265845874945},{"text":"And then the active investment, Bandalong, I'm not too sure if you heard their underlying investment they have called Corporate Traveler did have a bit of a moment there where they weren't reporting correctly and they got done for it.","start":689.085,"end":700.84503,"sentiment":"neutral","sentiment_score":-0.1204420868307352}],"sentiment":"neutral","sentiment_score":0.015244027738855487,"channel":0,"num_words":87,"start":672.2825,"end":700.84503},{"sentences":[{"text":"So with that, they had to reevaluate that stock.","start":700.84503,"end":703.35,"sentiment":"neutral","sentiment_score":-0.1459183461136288},{"text":"And as a result, Ben Long took a bit of a backwards step.","start":703.35,"end":705.85,"sentiment":"neutral","sentiment_score":-0.21971577062056616},{"text":"So we are looking at removing you from that actively managed fund.","start":706.23,"end":709.43,"sentiment":"neutral","sentiment_score":-0.22320980206131935},{"text":"Even though it has taken a loss, it's sort of something that was unforeseen, and it's also not Australian equities issue.","start":709.43,"end":715.20996,"sentiment":"neutral","sentiment_score":-0.17764392637071155},{"text":"It's not like the markets they're invested in.","start":715.35,"end":717.19,"sentiment":"neutral","sentiment_score":-0.16668623965233564}],"sentiment":"neutral","sentiment_score":-0.18908095442586476,"channel":0,"num_words":63,"start":700.84503,"end":717.19},{"sentences":[{"text":"It's the actual fund and the investments they chose itself.","start":717.19,"end":720.665,"sentiment":"neutral","sentiment_score":-0.057925823330879214},{"text":"So we're looking at getting you out of that","start":720.665,"end":723.305,"sentiment":"neutral","sentiment_score":-0.07004763185977936}],"sentiment":"neutral","sentiment_score":-0.06366773263404243,"channel":0,"num_words":19,"start":717.19,"end":723.305},{"sentences":[{"text":"Okay.","start":723.115,"end":723.615,"sentiment":"neutral","sentiment_score":-0.0017694979906082151}],"sentiment":"neutral","sentiment_score":-0.0017694979906082151,"channel":1,"num_words":1,"start":723.115,"end":723.615},{"sentences":[{"text":"just moving forward.","start":723.305,"end":724.605,"sentiment":"neutral","sentiment_score":0.08011326566338539},{"text":"And then in addition to that as well, we're looking at moving you to a fund that doesn't have an active portion, and it's moving you towards just standard index 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that","start":767.05,"end":767.37,"sentiment":"neutral","sentiment_score":-0.23019962012767792}],"sentiment":"neutral","sentiment_score":-0.12592036785049873,"channel":0,"num_words":33,"start":759.33496,"end":767.37},{"sentences":[{"text":"Yep.","start":767.27496,"end":767.77496,"sentiment":"neutral","sentiment_score":-0.2498748749494553}],"sentiment":"neutral","sentiment_score":-0.2498748749494553,"channel":1,"num_words":1,"start":767.27496,"end":767.77496},{"sentences":[{"text":"is a risk there.","start":767.37,"end":768.41,"sentiment":"neutral","sentiment_score":-0.239531971514225},{"text":"We did also look at just maintaining your current portfolio and just switching out that active managed panel, But we decided to move things around and update you to a more sort of appropriate model portfolio to where Oakview sort of has their investments going for the next sort of foreseeable future and updating as a whole.","start":768.41,"end":784.175,"sentiment":"neutral","sentiment_score":0.08499378743663169},{"text":"And then with that due to the the capital gains there, it offsets some of that by that loss in Bennelong, which is good, so it means you're not paying as much.","start":784.175,"end":793.27,"sentiment":"neutral","sentiment_score":0.22453362867236137},{"text":"So on page 15 there, you'll see the exact change in investments.","start":793.65,"end":797.19,"sentiment":"neutral","sentiment_score":0.06810769625008106},{"text":"Now with that one, you will be looking at moving up your weighting in gold and how that's been tracking removing Petaluma entirely.","start":797.25,"end":805.955,"sentiment":"neutral","sentiment_score":0.0800384981152804}],"sentiment":"neutral","sentiment_score":0.10726384317968041,"channel":0,"num_words":128,"start":767.37,"end":805.955},{"sentences":[{"text":"And then with that, there are sort of changes in regards to not being exposed as much in Japan, winding that back a little bit.","start":806.575,"end":813.235,"sentiment":"neutral","sentiment_score":0.036513477414846424},{"text":"And then also looking at back the S and P 500 just for how they've performed and bringing them more weight with the the portfolio and the recommendation.","start":813.77496,"end":822.77,"sentiment":"neutral","sentiment_score":0.10278622167451042},{"text":"So there's still your call, the S and P 500.","start":822.83,"end":825.39,"sentiment":"neutral","sentiment_score":0.0871496006846428},{"text":"Just from how they're performing, we're just gonna bring them back in line with the recommended.","start":825.39,"end":829.23,"sentiment":"neutral","sentiment_score":0.16170027921907604},{"text":"We don't want it to take up too much your portfolio in terms of waiting.","start":829.23,"end":832.35504,"sentiment":"neutral","sentiment_score":-0.2717078119516373}],"sentiment":"neutral","sentiment_score":0.033765259971644014,"channel":0,"num_words":94,"start":806.575,"end":832.35504},{"sentences":[{"text":"So that just adjusts it a little bit better moving forward, if that makes sense.","start":832.655,"end":836.35504,"sentiment":"neutral","sentiment_score":0.03384886781374614}],"sentiment":"neutral","sentiment_score":0.03384886781374614,"channel":0,"num_words":15,"start":832.655,"end":836.35504},{"sentences":[{"text":"Yep.","start":836.75,"end":837.15,"sentiment":"neutral","sentiment_score":0.09242872893810272},{"text":"No.","start":837.15,"end":837.31,"sentiment":"neutral","sentiment_score":0.032234374433755875},{"text":"I see.","start":837.31,"end":837.97003,"sentiment":"neutral","sentiment_score":0.11395621672272682}],"sentiment":"neutral","sentiment_score":0.08814388420432806,"channel":1,"num_words":4,"start":836.75,"end":837.97003},{"sentences":[{"text":"Perfect.","start":839.135,"end":839.635,"sentiment":"positive","sentiment_score":0.4625839591026306},{"text":"Now in regards to that on page 16 there, you'll see that you're currently in around 90 tenths split with your growth port a high growth portfolio there.","start":840.73505,"end":851.42,"sentiment":"neutral","sentiment_score":0.17124834949416773},{"text":"With your current portfolio, it's around 84% in growth assets, whereas this will push you up to around 88.","start":852.04,"end":857.145,"sentiment":"neutral","sentiment_score":0.20728727508532374},{"text":"Now you will have slightly more assets in those growth portfolio alignment to get those higher returns potentially.","start":857.305,"end":863.405,"sentiment":"neutral","sentiment_score":0.3264048174023628},{"text":"But then with that as well, you don't have that active manager risk within the portfolio.","start":863.78503,"end":867.645,"sentiment":"neutral","sentiment_score":0.022367641096934676}],"sentiment":"neutral","sentiment_score":0.18816054807748736,"channel":0,"num_words":82,"start":839.135,"end":867.645},{"sentences":[{"text":"So increasing the gross asset slightly, but then also reducing the manager risk as well within the fund.","start":867.705,"end":872.61005,"sentiment":"neutral","sentiment_score":0.18632263069351515},{"text":"So hopefully, you experience a little less volatility moving forward as well.","start":872.61005,"end":876.39,"sentiment":"neutral","sentiment_score":0.3275686328609784}],"sentiment":"neutral","sentiment_score":0.24282103156050047,"channel":0,"num_words":30,"start":867.705,"end":876.39},{"sentences":[{"text":"So sounds good.","start":877.575,"end":879.01996,"sentiment":"positive","sentiment_score":0.5697734157244364}],"sentiment":"positive","sentiment_score":0.5697734157244364,"channel":1,"num_words":3,"start":877.575,"end":879.01996},{"sentences":[{"text":"Do you have any questions in regards to that at all, Julie?","start":880.13,"end":882.39,"sentiment":"neutral","sentiment_score":0.0937543244411548}],"sentiment":"neutral","sentiment_score":0.0937543244411548,"channel":0,"num_words":12,"start":880.13,"end":882.39},{"sentences":[{"text":"No.","start":882.75995,"end":883.25995,"sentiment":"neutral","sentiment_score":-0.007425850257277489},{"text":"No.","start":883.63995,"end":883.88,"sentiment":"neutral","sentiment_score":0.025659356266260147},{"text":"Sounds good.","start":883.88,"end":884.62,"sentiment":"neutral","sentiment_score":0.19008804857730865}],"sentiment":"neutral","sentiment_score":0.09960240079089999,"channel":1,"num_words":4,"start":882.75995,"end":884.62},{"sentences":[{"text":"Yeah.","start":885.17004,"end":885.405,"sentiment":"neutral","sentiment_score":0.07477627694606781}],"sentiment":"neutral","sentiment_score":0.07477627694606781,"channel":0,"num_words":1,"start":885.17004,"end":885.405},{"sentences":[{"text":"Hi, Chelsea.","start":885.32,"end":886.06,"sentiment":"neutral","sentiment_score":0.07526663690805435}],"sentiment":"neutral","sentiment_score":0.07526663690805435,"channel":1,"num_words":2,"start":885.32,"end":886.06},{"sentences":[{"text":"No.","start":885.565,"end":886.065,"sentiment":"neutral","sentiment_score":0.034216418862342834},{"text":"Okay.","start":886.765,"end":887.24506,"sentiment":"neutral","sentiment_score":0.06271779537200928},{"text":"Not a problem.","start":887.24506,"end":888.065,"sentiment":"neutral","sentiment_score":0.12707396845022836},{"text":"So this was one of the portfolios that Bart built there as well.","start":888.60504,"end":891.965,"sentiment":"neutral","sentiment_score":0.09908491315749976},{"text":"So if you do have a bit of a problem, yeah, you can sort of have a go at him and see where he's","start":891.965,"end":897.24506,"sentiment":"neutral","sentiment_score":-0.04711713455617428}],"sentiment":"neutral","sentiment_score":0.015129732411532175,"channel":0,"num_words":42,"start":885.565,"end":897.24506},{"sentences":[{"text":"Oh, okay.","start":897.065,"end":897.645,"sentiment":"neutral","sentiment_score":0.07234333828091621}],"sentiment":"neutral","sentiment_score":0.07234333828091621,"channel":1,"num_words":2,"start":897.065,"end":897.645},{"sentences":[{"text":"still done.","start":897.24506,"end":897.98505,"sentiment":"neutral","sentiment_score":0.09279182180762291}],"sentiment":"neutral","sentiment_score":0.09279182180762291,"channel":0,"num_words":2,"start":897.24506,"end":897.98505},{"sentences":[{"text":"I will.","start":897.865,"end":898.505,"sentiment":"neutral","sentiment_score":0.119425218552351},{"text":"Yep.","start":898.505,"end":899.005,"sentiment":"neutral","sentiment_score":0.07943959534168243}],"sentiment":"neutral","sentiment_score":0.10609667748212814,"channel":1,"num_words":3,"start":897.865,"end":899.005},{"sentences":[{"text":"Yeah.","start":899.005,"end":899.4,"sentiment":"neutral","sentiment_score":0.06860405206680298},{"text":"So yeah.","start":899.96,"end":900.52,"sentiment":"neutral","sentiment_score":0.044672196730971336},{"text":"So when I say, like, obviously, Bart's part of the investment committee there.","start":900.52,"end":903.56,"sentiment":"neutral","sentiment_score":0.011689107578534346},{"text":"They update the portfolios quite regularly, and then this is one of the later portfolios that does remove the active managed portion.","start":903.56,"end":909.9,"sentiment":"neutral","sentiment_score":-0.011621421118351545},{"text":"We can look to add the active management, but which is how they've been tracking recently and how the markets have been tracking with, you know, Trump playing around.","start":910.04004,"end":917.245,"sentiment":"neutral","sentiment_score":-0.03321905215752536}],"sentiment":"neutral","sentiment_score":-0.013568909449586228,"channel":0,"num_words":67,"start":899.005,"end":917.245},{"sentences":[{"text":"They haven't been performing that great.","start":917.245,"end":918.84503,"sentiment":"neutral","sentiment_score":-0.20312137653430304},{"text":"There have been a few winners, but then also there have been quite a few losers in that space just with it's really unpredictable at the moment in terms of, like, how things are tracking.","start":918.84503,"end":927.98505,"sentiment":"neutral","sentiment_score":-0.17779310771397183},{"text":"You know, Elon Musk is playing around there as well and then also causing Tesla","start":928.29,"end":931.97,"sentiment":"neutral","sentiment_score":-0.13483400990565617}],"sentiment":"neutral","sentiment_score":-0.16899994960320847,"channel":0,"num_words":56,"start":917.245,"end":931.97},{"sentences":[{"text":"Yes.","start":931.655,"end":932.155,"sentiment":"neutral","sentiment_score":-0.05857934430241585}],"sentiment":"neutral","sentiment_score":-0.05857934430241585,"channel":1,"num_words":1,"start":931.655,"end":932.155},{"sentences":[{"text":"to go ups and downs and things like that.","start":931.97,"end":933.57,"sentiment":"neutral","sentiment_score":-0.20201252400875092},{"text":"So it's really hard","start":933.57,"end":934.93,"sentiment":"neutral","sentiment_score":-0.27929604053497314}],"sentiment":"neutral","sentiment_score":-0.22579206755528083,"channel":0,"num_words":13,"start":931.97,"end":934.93},{"sentences":[{"text":"Yes.","start":934.53503,"end":935.03503,"sentiment":"neutral","sentiment_score":-0.08920053392648697}],"sentiment":"neutral","sentiment_score":-0.08920053392648697,"channel":1,"num_words":1,"start":934.53503,"end":935.03503},{"sentences":[{"text":"sort of to gauge how things are tracking, especially when you have someone like that that goes down and just announces things randomly that cause the market to do backflips.","start":934.93,"end":943.345,"sentiment":"neutral","sentiment_score":-0.04335258839031061}],"sentiment":"neutral","sentiment_score":-0.04335258839031061,"channel":0,"num_words":30,"start":934.93,"end":943.345},{"sentences":[{"text":"Yeah.","start":944.18,"end":944.68,"sentiment":"neutral","sentiment_score":0.16366761922836304},{"text":"Yep.","start":944.81995,"end":945.31995,"sentiment":"neutral","sentiment_score":0.23278944194316864}],"sentiment":"neutral","sentiment_score":0.19822853058576584,"channel":1,"num_words":2,"start":944.18,"end":945.31995},{"sentences":[{"text":"As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving.","start":947.085,"end":955.95,"sentiment":"positive","sentiment_score":0.3356726866747652},{"text":"Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return.","start":956.27,"end":971.15,"sentiment":"neutral","sentiment_score":0.09938768462611819},{"text":"Now the projection for the five year rolling average was around 19%, but, obviously, that's not gonna occur year on year on year.","start":971.15,"end":978.445,"sentiment":"neutral","sentiment_score":0.05880167497240979},{"text":"It is obviously just highlighting how things have gone.","start":978.905,"end":981.385,"sentiment":"neutral","sentiment_score":0.2250962969329622},{"text":"It's nothing's gonna replicate year on year like that again.","start":981.385,"end":984.525,"sentiment":"neutral","sentiment_score":0.03160594254732132}],"sentiment":"neutral","sentiment_score":0.14927436694563403,"channel":0,"num_words":123,"start":947.085,"end":984.525},{"sentences":[{"text":"But, hopefully, given that you're paying a lower cost, you do have that guaranteed savings in 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return.","start":1002.365,"end":1007.34503,"sentiment":"positive","sentiment_score":0.37783656225484963},{"text":"As I'm so unfortunate, that return's never the king that's guaranteed.","start":1007.885,"end":1011.185,"sentiment":"negative","sentiment_score":-0.37757207588715985},{"text":"But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking.","start":1011.645,"end":1018.95,"sentiment":"neutral","sentiment_score":0.10397140591433554},{"text":"In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as 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incapacitated.","start":1106.61,"end":1117.085,"sentiment":"neutral","sentiment_score":0.13764116397880494},{"text":"You know, you might be a pull the plug person, might be a not pull the plug person.","start":1117.5449,"end":1120.9249,"sentiment":"neutral","sentiment_score":0.06466087015966575},{"text":"And then with","start":1121.065,"end":1121.705,"sentiment":"neutral","sentiment_score":0.1521135022242864}],"sentiment":"neutral","sentiment_score":0.11896133641986285,"channel":0,"num_words":68,"start":1106.61,"end":1121.705},{"sentences":[{"text":"Yes.","start":1121.615,"end":1122.0,"sentiment":"neutral","sentiment_score":0.18290215730667111}],"sentiment":"neutral","sentiment_score":0.18290215730667111,"channel":1,"num_words":1,"start":1121.615,"end":1122.0},{"sentences":[{"text":"that, you can sort of put it in writing so it takes those decisions out of family members' hands if something 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or beneficiary forms, things like that.","start":1276.3251,"end":1283.525,"sentiment":"neutral","sentiment_score":0.13459876540207094},{"text":"CGM does have their own pricing.","start":1283.525,"end":1285.305,"sentiment":"neutral","sentiment_score":0.1300762022535006},{"text":"Brokers get paid, obviously, through the institutions they lend with, so you don't have to pay out of pocket for those mortgage brokers.","start":1285.685,"end":1291.28,"sentiment":"neutral","sentiment_score":0.13305394740208334},{"text":"But, yeah, if you like to visit one of the OVA accountants or, you know, the lawyers there, it does 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too.","start":1619.775,"end":1620.335,"sentiment":"positive","sentiment_score":0.5202994346618652},{"text":"Bye.","start":1620.335,"end":1620.835,"sentiment":"neutral","sentiment_score":0.32364097237586975}],"sentiment":"positive","sentiment_score":0.45474661389986676,"channel":1,"num_words":3,"start":1619.775,"end":1620.835},{"sentences":[{"text":"Bye.","start":1620.955,"end":1621.455,"sentiment":"neutral","sentiment_score":-0.11968914419412612}],"sentiment":"neutral","sentiment_score":-0.11968914419412612,"channel":0,"num_words":1,"start":1620.955,"end":1621.455}]},"summary":{"result":"success","short":"A representative from Oakview Financial discusses personal and military backgrounds with a customer named Julie, recommending retaining her insurance and risk profile, setting up a will, and nominating a legal personal representative. The representative emphasizes maintaining funds and risk profile, maintaining current coverage with a new investment, and maintaining a legal post. They also recommend moving out of an active managed fund and setting up a will to distribute assets, and recommend updating the portfolio and beneficiary forms. The speaker emphasizes the flexibility of the process and offers to answer any questions."},"intents":{"segments":[{"text":"As I was saying before, just in regards to that statement of advice update. Now I know it has taken a while, so I do apologize. I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes. So it's been quite quite the eventful end of last year and start of the year. So I do apologize for Yeah.","start_word":38,"end_word":113,"intents":[{"intent":"Update statements","confidence_score":0.14446357}]},{"text":"I'm still waiting for a I've got a DBA claim in.","start_word":369,"end_word":379,"intents":[{"intent":"Waiting for decision","confidence_score":0.0019634333}]},{"text":"I'm still waiting for a I've got a DBA claim in. Yeah.","start_word":369,"end_word":380,"intents":[{"intent":"Waiting for dba claim","confidence_score":0.23541676}]},{"text":"was that through one of our mortgage brokers, or is that just someone you've gone to It separately? was just through Saint George because it was with the same because I'm in a family trust with the rest of the family, and they Yeah.","start_word":468,"end_word":511,"intents":[{"intent":"Comparing options","confidence_score":0.00022310659}]},{"text":"And I know how much I what like, I wanna spend, basically, or can spend. yeah.","start_word":573,"end_word":588,"intents":[{"intent":"Checking dba's interest","confidence_score":0.003997101}]},{"text":"You probably have spoken to Grant before, so he's the one that's, like, Yes.","start_word":591,"end_word":604,"intents":[{"intent":"Meeting with grant","confidence_score":0.0062687187}]},{"text":"we can sort of refer you on to either sort of there is, you know, people because I believe Grant sort of stepped back a little bit Yeah. now.","start_word":642,"end_word":670,"intents":[{"intent":"Referring to other organizations","confidence_score":0.017427443}]},{"text":"I think he's got one foot out the door, which is good for him. You know?","start_word":687,"end_word":702,"intents":[{"intent":"Saying goodbye","confidence_score":0.0029914195}]},{"text":"in regards to your personal, I know you're sort of focused on paying that down because it has been a bit long. And have you managed to sort of do alright with that at the moment? Yeah.","start_word":768,"end_word":804,"intents":[{"intent":"Discuss personal finances and documents","confidence_score":0.0018370901}]},{"text":"And then with that one as well, if you were to sort of stop working at the age of 55, you know, depending on how things are going or not or how things are, you can actually draw down on that military super before the age of 60 if you aren't working and meet those conditions of release. So Yes.","start_word":1114,"end_word":1173,"intents":[{"intent":"Retire at 55","confidence_score":2.2774387e-7}]},{"text":"by keeping those funds there, it could sort of eventuate to an early retirement depending on how things are or if you're not working at the time and wanna access funds early.","start_word":1174,"end_word":1205,"intents":[{"intent":"Access funds early","confidence_score":0.04436847}]},{"text":"So we wanna maintain your current insurances as well as you do get a benefit with inside your military super.","start_word":1414,"end_word":1433,"intents":[{"intent":"Maintain insurances","confidence_score":0.2499765}]},{"text":"So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well.","start_word":1469,"end_word":1523,"intents":[{"intent":"Update investments","confidence_score":0.0925853}]},{"text":"So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well. Yep.","start_word":1469,"end_word":1524,"intents":[{"intent":"Retain account","confidence_score":0.2519243}]},{"text":"well, yeah, we did sorta just recommend that you do set up a will.","start_word":1529,"end_word":1542,"intents":[{"intent":"Set up will","confidence_score":0.97414416}]},{"text":"well, yeah, we did sorta just recommend that you do set up a will. I know you did have a will a long time ago, but you've got sort of a few things that have changed since then. And Yeah.","start_word":1529,"end_word":1568,"intents":[{"intent":"Establish will","confidence_score":0.002877795}]},{"text":"So we you can obviously find someone that's, you know, a bit more suited to you if you've got someone like the lawyer that works through the trust as well. You could sort of go to them and look at setting up a will. Oh, yeah.","start_word":1591,"end_word":1636,"intents":[{"intent":"Nominate attorney","confidence_score":0.010805024}]},{"text":"I know I need to change that. Act.","start_word":1668,"end_word":1675,"intents":[{"intent":"Change nomination","confidence_score":0.0010197883}]},{"text":"So if you set up the will, you can nominate a legal personal representative, what should work we're recommending. And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will.","start_word":1678,"end_word":1732,"intents":[{"intent":"Direct super","confidence_score":0.9615645},{"intent":"Direct estate","confidence_score":0.08167305}]},{"text":"sort of makes a claim at your super if sort of did something were to occur. Okay.","start_word":1828,"end_word":1844,"intents":[{"intent":"Claim super","confidence_score":0.47407937}]},{"text":"Well, on page seven there, you'll see your details there. So, hopefully, that's all up to date.","start_word":1847,"end_word":1863,"intents":[{"intent":"Update information","confidence_score":0.22009547}]},{"text":"And then the gist of the recommendation is is obviously maintain that BT Panorama.","start_word":2207,"end_word":2220,"intents":[{"intent":"Recommend bt panorama","confidence_score":0.1443495}]},{"text":"So we did compare it to a few others there as well.","start_word":2290,"end_word":2301,"intents":[{"intent":"Discuss comparison to other products","confidence_score":0.00084928074}]},{"text":"So we did compare it to a few others there as well. In terms of, like, the price you are paying, it is still comparable in the market, still competitive.","start_word":2290,"end_word":2319,"intents":[{"intent":"Discuss cost comparison","confidence_score":0.010927416},{"intent":"Explain cost comparison","confidence_score":0.0015158157}]},{"text":"Now with that, we're recommending that you do change your investment within that.","start_word":2429,"end_word":2441,"intents":[{"intent":"Recommend changing investment","confidence_score":0.09599123},{"intent":"Discuss investment management","confidence_score":0.036157396}]},{"text":"So there's still your call, the S and P 500. Just from how they're performing, we're just gonna bring them back in line with the recommended.","start_word":2924,"end_word":2949,"intents":[{"intent":"Streamline portfolio recommendations","confidence_score":0.0013050003}]},{"text":"We don't want it to take up too much your portfolio in terms of waiting. So that just adjusts it a little bit better moving forward, if that makes sense. Yep.","start_word":2951,"end_word":2981,"intents":[{"intent":"Address portfolio issues","confidence_score":0.003611883}]},{"text":"As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving.","start_word":3337,"end_word":3364,"intents":[{"intent":"Assess investment fees","confidence_score":0.0010664978}]},{"text":"Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return.","start_word":3365,"end_word":3417,"intents":[{"intent":"Evaluate performance","confidence_score":0.05085146}]},{"text":"As I'm so unfortunate, that return's never the king that's guaranteed. But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking. In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as well.","start_word":3532,"end_word":3614,"intents":[{"intent":"Evaluate return expectations","confidence_score":0.0007404015}]},{"text":"The next section on there is in just regards to those beneficiary nominations. So we do recommend nominating that legal post representative. You only have to do it once, which is lucky because the BT Panorama is a platform policy.","start_word":3645,"end_word":3684,"intents":[{"intent":"Evaluate beneficiary nominations","confidence_score":0.15388602}]},{"text":"Now if you were to ever leave BT Panorama, we can look at making that policy stand alone with Tel, which is a bit of a process in itself, but it doesn't mean you are locked to the fund, but it just means at the moment it's on the platform there. You don't have to worry about doing two different nominations. You can just do the one, which is nice. A little bit of simplicity there for you. Yes.","start_word":3686,"end_word":3764,"intents":[{"intent":"Make policy stand alone with tel","confidence_score":0.18942729}]},{"text":"There is some advantages and disadvantages in regards to that, but I kinda touched on them there before.","start_word":3764,"end_word":3781,"intents":[{"intent":"Discuss benefits and disadvantages of bt panorama","confidence_score":0.004278383}]},{"text":"In terms of a will there, we obviously we're recommending you establish a will. We can pass along CDM's information again if you'd like. But in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well. Yes.","start_word":3878,"end_word":3925,"intents":[{"intent":"Make a will","confidence_score":0.04021475},{"intent":"Set up a will","confidence_score":0.060549766}]},{"text":"We can pass along CDM's information again if you'd like. But in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well. Yes.","start_word":3892,"end_word":3925,"intents":[{"intent":"Pass cdm's information","confidence_score":0.08573611}]},{"text":"It I can do sort it of again. minimize, yeah, the stress in those times, if that makes sense as well. Yep.","start_word":4021,"end_word":4042,"intents":[{"intent":"Restrict stress in situations","confidence_score":0.002334977}]},{"text":"Put the money towards maybe a nice coffin and call it a day. Spend Yeah.","start_word":4125,"end_word":4139,"intents":[{"intent":"Arrange for appointment","confidence_score":0.00002595244}]},{"text":"We can potentially look at top up cover once you sort of purchase a property if you'd like to be covered for a bit more of your debt if you do purchase a place and having a a separate policy that may have those exclusions moving forward. Yes.","start_word":4726,"end_word":4773,"intents":[{"intent":"Cover claims","confidence_score":0.0011404643}]},{"text":"And in saying that too, I can send you a copy of your your beneficiary form for BT to be able to fill out as well and update. Yeah.","start_word":4869,"end_word":4897,"intents":[{"intent":"Send beneficiary form","confidence_score":0.19647713}]},{"text":"But do you have any questions in regards to anything we've sort of discussed there, Julian? No.","start_word":4904,"end_word":4920,"intents":[{"intent":"Update portfolio and address questions","confidence_score":0.0042563076}]},{"text":"Obviously, you know, it's not a call you wanna take every afternoon when I take up forty minutes of your time to talk about random financial advice. Yep.","start_word":4983,"end_word":5010,"intents":[{"intent":"Discuss finance advice","confidence_score":0.000106453524}]},{"text":"In terms of the advice piece there, obviously, feel free to have a read through. I didn't sort of skim through. I don't wanna take up all of your afternoon once you've had a busy day, but feel free to have a little read through it, see if you're happy with everything.","start_word":5017,"end_word":5068,"intents":[{"intent":"Read through recommendations","confidence_score":0.01918433}]},{"text":"If you wanna look at maybe changing things or, you know, you see something you don't like, feel free to give us a callback.","start_word":5097,"end_word":5120,"intents":[{"intent":"Explore changes","confidence_score":0.002101677}]},{"text":"if you did sign it, it redoes that advice fee, those, like, ongoing Yep. service claim if you're happy to stay on for the next twelve months in addition to we'll get those advice sorted with the investment switch as well. But Yes.","start_word":5124,"end_word":5166,"intents":[{"intent":"Restart and reimburse services","confidence_score":5.9944693e-7}]},{"text":"And then did I end up sending you a copy of the of your budget planner for, you know, your budgeting and sort of dealing with the the personal loan and savings for the property? I think you might have.","start_word":5191,"end_word":5230,"intents":[{"intent":"Send budget planner","confidence_score":0.28063658}]},{"text":"you sort of I'll especially have a look when at you it. start saving a little bit heavy for the house, you know, you might be able to see where you might be able to cut back on a few discretionary spending.","start_word":5277,"end_word":5318,"intents":[{"intent":"Save money","confidence_score":0.11427771}]},{"text":"I know myself, I've got a few too many streaming services, I believe. I was just about to say that I know exactly what I can probably get rid of, but it's so hard too because I'm like, oh, but I'm still watching that show. And, like and this show is coming back on that one. And so yeah.","start_word":5319,"end_word":5377,"intents":[{"intent":"Use streaming services","confidence_score":0.00040684876}]},{"text":"I will send that through us. And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off? Just the email.","start_word":5502,"end_word":5537,"intents":[{"intent":"Send beneficiary form","confidence_score":0.42272037}]},{"text":"And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off? Just the email.","start_word":5508,"end_word":5537,"intents":[{"intent":"Print beneficiary form","confidence_score":0.72614545}]},{"text":"wanna take up all all your time there and cut into your dinner time and maybe some your maths this afternoon.","start_word":5611,"end_word":5631,"intents":[{"intent":"Attend math meeting","confidence_score":0.00020562943}]},{"text":"All the boys in my office talked about math. So I was just talking about math, but today they're like, oh, it's so good. And then it just shows to my wife how good how good our relationship is.","start_word":5661,"end_word":5699,"intents":[{"intent":"Keep chatting","confidence_score":0.00004272124}]},{"text":"But I might have to just so I can see Just what the to gossip contribute is in at the office.","start_word":5769,"end_word":5789,"intents":[{"intent":"Discuss to gossip contribute","confidence_score":0.015472262}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Julie. It's Carl calling back from. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.17526009678840637},{"text":"Good. Thanks.","start_word":12,"end_word":13,"sentiment":"positive","sentiment_score":0.47286373376846313},{"text":"How are you?","start_word":14,"end_word":16,"sentiment":"neutral","sentiment_score":0.28151947259902954},{"text":"Good.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.3623715937137604},{"text":"Have I got you at a better time now? Yes. Yep.","start_word":18,"end_word":28,"sentiment":"neutral","sentiment_score":0.23990830779075625},{"text":"I'm at home now, so that's good. Great.","start_word":29,"end_word":36,"sentiment":"positive","sentiment_score":0.41031789779663086},{"text":"Yes. As I was saying before, just in regards to that statement of advice update. Now I know it has taken a while, so I do apologize. I'm not too sure how much you've heard through the the grapevine from from Tracy there in regards to what's happening, but there's been a few business changes. So it's been quite quite the eventful end of last year and start of the year. So I do apologize for Yeah. the wait. I've heard yeah. I've heard a bit. Yeah. No problem. Just to get started on that one, if I could pass through security with that name, date of birth, and current address, and we can start on that one? Yep. Julia Cooper, the 08/25/1982 and Unit 4059 North Oaks Avenue, Surface, Paradise. One.","start_word":37,"end_word":168,"sentiment":"neutral","sentiment_score":-0.025215119123458862},{"text":"Perfect. Thank you for that one.","start_word":169,"end_word":174,"sentiment":"positive","sentiment_score":0.4934431910514831},{"text":"Now I will be sending out that statement advice piece to your email, which will bethej.cooper.82@hotmail.com. Is that correct? Yep. That's correct.","start_word":175,"end_word":196,"sentiment":"neutral","sentiment_score":0.11592095345258711},{"text":"Perfect.","start_word":197,"end_word":197,"sentiment":"positive","sentiment_score":0.3677055239677429},{"text":"I'll just send that through now. It may take a second just to come through there. While that is coming through, there are a few supporting documents in that as well. It's mainly the PDFs for the products that you do hold in regards to that and also the updated Oakview services guide and financial services guide there as well. If you have a browse through, if you wanna see some new faces and see who's working here at the moment, get to know them a little bit better because we know a fair bit about you.","start_word":198,"end_word":294,"sentiment":"neutral","sentiment_score":0.12486138939857484},{"text":"It's nice that you can know a little bit about us as well.","start_word":295,"end_word":307,"sentiment":"positive","sentiment_score":0.3820120394229889},{"text":"Yep. Yep.","start_word":308,"end_word":309,"sentiment":"neutral","sentiment_score":0.12415828555822372},{"text":"Sounds good. Perfect.","start_word":310,"end_word":312,"sentiment":"positive","sentiment_score":0.36690232157707214},{"text":"Now in regards to your account, so we see it's been a little bit there as well. Just with your personal circumstances, has anything changed majorly since we last spoke? Because I know it has been a little bit there. Nothing too major. I'm still working for the same place and all that kind of stuff. I'm still waiting for a I've got a DBA claim in. Yeah. I do And, remember you stating that. yeah, and I've been told that they're looking at my case right now. So I don't know when I'm gonna get a decision from that, but Okay. I'm kinda hoping soon. Yep. And then I did get a preapproval for a home loan, but I'm yeah. Kinda waiting for DBA to come and see what money I'll get from them as well before I go and do anything I'm Yep. Okay. buying Not the things. a problem. Yeah. And Right. was that through one of our mortgage brokers, or is that just someone you've gone to It separately? was just through Saint George because it was with the same because I'm in a family trust with the rest of the family, and they Yeah. I'm on their line. So I got I got Saint George to have a look, and they preapproved me, but I probably I probably won't go through them. I'm thinking I'll go through, yeah, your mortgage broker once Could I'm Yeah. A I bit spoke more set to up him and before. see what you sort Yeah. of yeah. Because Yeah. And I know how much I what like, I wanna spend, basically, or can spend. yeah. Exactly. Yeah. You probably have spoken to Grant before, so he's the one that's, like, Yes. directly associated with O. K. There are a few more other ones now that are part of, like, the OVA Alliance Oh, that but okay. I'm sort of have started up as well. So, Oh, yeah, okay. we can sort of refer you on to either sort of there is, you know, people because I believe Grant sort of stepped back a little bit Yeah. now. He was adding Grant halfway into retirement. Isn't he? He's still trying Yeah. to. Yeah. Yep.","start_word":313,"end_word":686,"sentiment":"neutral","sentiment_score":0.005696489080975958},{"text":"I think he's got one foot out the door, which is good for him.","start_word":687,"end_word":700,"sentiment":"positive","sentiment_score":0.3720567524433136},{"text":"You know? He's Yes.","start_word":701,"end_word":704,"sentiment":"neutral","sentiment_score":0.12215623259544373},{"text":"obviously Very worked good hard. for him.","start_word":705,"end_word":711,"sentiment":"positive","sentiment_score":0.6180346608161926},{"text":"Yeah. Yep. Exactly. So there's a few other here that, yeah, have joined that sort of OVA lines that we can refer you on to as Alright.","start_word":712,"end_word":738,"sentiment":"neutral","sentiment_score":0.13499510288238523},{"text":"well Cool. Okay. that we've sort of met, and they're they're quite good. Yeah. And as long as none of those details change, that's largely good there.","start_word":739,"end_word":765,"sentiment":"positive","sentiment_score":0.4291460216045379},{"text":"And Yep. in regards to your personal, I know you're sort of focused on paying that down because it has been a bit long. And have you managed to sort of do alright with that at the moment? Yeah. I think I'm doing okay. Yeah. Kinda got it down a bit and, yeah, sort of a bit ahead now.","start_word":766,"end_word":824,"sentiment":"neutral","sentiment_score":0.13187643885612488},{"text":"So it's good. Brilliant. That's good Yeah.","start_word":825,"end_word":831,"sentiment":"positive","sentiment_score":0.56898033618927},{"text":"to hear. And then so with that one there, has that Odoo come through with that document there, Julia? Yeah. Yep. Right. So there is a copy. So the way that one works now, because I know you've used DocuSign previously as part of, like, the Yes. other changes as well with the different systems. But with that one, it does provide we provide the document as an attachment there as well. So you can go to the statement advice. That way, you can click on the link as well, and it does have the signable documents if you wanna review it that way as well. But feel free to just use the attachment, have a read through, see if you're happy with everything. It actually eventually had to be quite simple in terms of the advice after reviewing everything. So we did have a Yes. look at your military super and the portion that can potentially be rolled over. Now with that one and, like, the benefits you do receive in that fund versus, like, the the tax that may be payable, the hoops you need to jump through in terms of getting that money out to the the amount that's in there, It really didn't sort of work out to be beneficial. Yep. So we just sort of will leave it there because either way, you have to keep the defined benefit portion because we can't touch that anyway. And then it's Yes. about 40,000 that's in the member benefit that we could have potentially touched, but, you know, it might just be worth leaving it. It might just get a better return and better benefits in regards to that. And then with that one as well, if you were to sort of stop working at the age of 55, you know, depending on how things are going or not or how things are, you can actually draw down on that military super before the age of 60 if you aren't working and meet those conditions of release. So Yes. by keeping those funds there, it could sort of eventuate to an early retirement depending on how things are or if you're not working at the time and wanna access funds early. Just even sort of with the how the DBA thing goes as well and if whether or not you sort of end up not working and being on the that sort of pension amount. Yeah. Yep.","start_word":832,"end_word":1241,"sentiment":"neutral","sentiment_score":0.005496488384357313},{"text":"Perfect.","start_word":1242,"end_word":1242,"sentiment":"positive","sentiment_score":0.3730947971343994},{"text":"So in regards to the advice piece itself, obviously, it's created for yourself by myself as an authorized representative for Oakview Financial.","start_word":1243,"end_word":1264,"sentiment":"neutral","sentiment_score":0.03757377713918686},{"text":"Now in regards to the best interest to you that's just stating if we can't put in a better position, we won't actually recommend it.","start_word":1265,"end_word":1289,"sentiment":"negative","sentiment_score":-0.3797745704650879},{"text":"It's sort of what we're bound by. As far as the scoping is considered, we did just sort of touch on superannuation estate planning side of things. The things that we're more sort of accountable for are the the budget saving, the debt management, and the the property down the track, which is sort of goals that you're working towards, but you didn't specifically request advice on. And Yes. then it's partially scoped in yet your military super and those personal insurances because with going through the DVA claim as well, now the policy do hold and because they weren't symptoms at the time of taking out that policy, that would likely result in exclusions on a new policy if we were to rewrite. So we wanna maintain your current insurances as well as you do get a benefit with inside your military super. It's not like life in TPD. It's a bit different in the way they sort of work it, but it is sort of an insurance at the end of the day as Yes. well.","start_word":1290,"end_word":1467,"sentiment":"neutral","sentiment_score":-0.05609073117375374},{"text":"So with that one, we are recommending you just retain that BT Panorama account and retaining those insurances on that account as well, and then just looking at changing the underlying investments just with how the markets have changed your time on board and just getting you a bit of a refresh there as well.","start_word":1468,"end_word":1522,"sentiment":"positive","sentiment_score":0.3649044930934906},{"text":"Yep. With That's that as it. well, yeah, we did sorta just recommend that you do set up a will. I know you did have a will a long time ago, but you've got sort of a few things that have changed since then. And Yeah.","start_word":1523,"end_word":1568,"sentiment":"neutral","sentiment_score":0.07463919371366501},{"text":"you You just send me everything, and I didn't do I didn't do anything with it.","start_word":1569,"end_word":1584,"sentiment":"negative","sentiment_score":-0.42980679869651794},{"text":"So I better do that. yeah. So we you can obviously find someone that's, you know, a bit more suited to you if you've got someone like the lawyer that works through the trust as well. You could sort of go to them and look at setting up a will. Oh, yeah. Yep. And then just with your your beneficiary nominations, just because you've got your your sisters nominated as well, they just might not form a valid nomination under the Sys Yeah. I know I need to change that. Act. Yep. Yeah. So if you set up the will, you can nominate a legal personal representative, what should work we're recommending. And then if your will states everything goes to you and Tracy and Jody, happy days, then you can direct all your sort of super that pays out or insurances that pay out to your will. Now the sort of risk with that obviously comes with estate versus non estate assets, and people can claim against, you know, if you got ex spouses, things like that that feel like, you know, they're entitled to some of your estate after you're gone. That does sort of open up the super to that.","start_word":1585,"end_word":1787,"sentiment":"neutral","sentiment_score":0.0006657794001512229},{"text":"But if you don't have a valid nomination anyway, it's likely that it will end up at the estate at some point or another.","start_word":1788,"end_word":1811,"sentiment":"negative","sentiment_score":-0.4260173439979553},{"text":"It's just the time frame it takes to sort of get there if no one Yes. sort of makes a claim at your super if sort of did something were to occur. Okay.","start_word":1812,"end_word":1844,"sentiment":"neutral","sentiment_score":-0.24509833753108975},{"text":"Perfect.","start_word":1845,"end_word":1845,"sentiment":"positive","sentiment_score":0.4017762839794159},{"text":"Well, on page seven there, you'll see your details there. So, hopefully, that's all up to date. I know you're sort of, you know, aiming to save roughly around at $2.","start_word":1846,"end_word":1876,"sentiment":"neutral","sentiment_score":0.2653053402900696},{"text":"50.","start_word":1876,"end_word":1876,"sentiment":"positive","sentiment_score":0.3349449336528778},{"text":"The income's around the $1.35 and your other details there as a safety adviser. Now on the next page is just an assets and liabilities where things are at. Now, obviously, with that as well, that's likely to change if you were to purchase a home now that you got preapproval, things like that as well. So with that, we can update that along the way as well. Once you're sort of looking at things and sort of reach out, we can sort of put you in touch with the mortgage broker and get you updated with things. Yep. As far as where things are at the moment, you do have that PT Panorama and the military super, and then you've got the BT Panorama or the BT Life policy within BT Panorama, which run at 318,000 of life and TPD, and then the income protection for that thirty days five year benefit. Now as I said, you don't currently have any exclusions because, you know, symptoms have arose from your time and service, things like that ongoing. If we were to rewrite a policy, they're likely enough exclusions. So we wanna maintain that policy just because they don't have those current exclusions listed, if that makes sense. Yes.","start_word":1877,"end_word":2085,"sentiment":"neutral","sentiment_score":0.042284946888685226},{"text":"Yep. Perfect.","start_word":2086,"end_word":2087,"sentiment":"positive","sentiment_score":0.4534338116645813},{"text":"As far as your risk profile goes, so you did score a growth, which is slightly a little bit more risk adverse, but, unfortunately, you've got a fair bit of time until retirement or you can access your your regular super. So you do have the time to be able to take on a little bit more risk. We had that discussion around being in that high growth versus the growth, and Yep. you were comfortable with that ninety ten sort of split of growth to defensive assets. Is that still the case? Yeah. I think so. Yep. Right. There's a little bit about a high growth portfolio if you wanna have a read through that as well. And then the gist of the recommendation is is obviously maintain that BT Panorama.","start_word":2088,"end_word":2219,"sentiment":"neutral","sentiment_score":0.05017860984486161},{"text":"Now BT is still quite a good product in terms of, like, service they provide.","start_word":2220,"end_word":2234,"sentiment":"positive","sentiment_score":0.5842316746711731},{"text":"I'm not too sure if you've logged in and had a play around or not in their reporting or looking at your your superannuation or how it is tracking. Yeah. But I've yeah. I've had a look. Yep. Not recently, Yeah. but, yes, I did. Yeah. I've had a look around. Yeah. No. No problem.","start_word":2235,"end_word":2289,"sentiment":"neutral","sentiment_score":0.015858309343457222},{"text":"So we did compare it to a few others there as well. In terms of, like, the price you are paying, it is still comparable in the market, still competitive. And then it also means that you don't have to worry about selling down and, like, realizing any capital gains fully by moving funds. It's still a good product, and, you know, obviously, if you have no issues with it as well, that's good in itself as as well. By maintaining that as well, you don't have to go through the whole hassle of setting up a new product and getting to know a new sort of platform there.","start_word":2290,"end_word":2398,"sentiment":"positive","sentiment_score":0.49180907011032104},{"text":"In addition to, you can maintain the same level of risk.","start_word":2399,"end_word":2409,"sentiment":"neutral","sentiment_score":0.2829645574092865},{"text":"We can still adjust things on BT Panorama. It's still quite a good platform for advisers there as well.","start_word":2410,"end_word":2428,"sentiment":"positive","sentiment_score":0.44912344217300415},{"text":"Now with that, we're recommending that you do change your investment within that. So you'd give me a time on board. Obviously, a few things have changed and things like that as well since that time. And then the active investment, Bandalong, I'm not too sure if you heard their underlying investment they have called Corporate Traveler did have a bit of a moment there where they weren't reporting correctly and they got done for it. So with that, they had to reevaluate that stock. And as a result, Ben Long took a bit of a backwards step. So we are looking at removing you from that actively managed fund. Even though it has taken a loss, it's sort of something that was unforeseen, and it's also not Australian equities issue. It's not like the markets they're invested in. It's the actual fund and the investments they chose itself. So we're looking at getting you out of that Okay. just moving forward. And then in addition to that as well, we're looking at moving you to a fund that doesn't have an active portion, and it's moving you towards just standard index version.","start_word":2429,"end_word":2621,"sentiment":"neutral","sentiment_score":-0.06987497712355203},{"text":"Now with that, it comes with lower costs because you don't have someone trying to outperform the market.","start_word":2622,"end_word":2639,"sentiment":"positive","sentiment_score":0.34787997603416443},{"text":"So it's a little less in terms of risk, but you still have the same amount of growth assets.","start_word":2640,"end_word":2658,"sentiment":"neutral","sentiment_score":0.3284246623516083},{"text":"And then with that and the way the markets have been tracking, they have been tracking quite well. So that, hopefully, that indexed investment are not only paying less, but hopefully still tracks well and performs well over that next sort of three to five year period. Okay. Sounds good. Perfect.","start_word":2659,"end_word":2709,"sentiment":"positive","sentiment_score":0.4542014598846435},{"text":"Now with that, there's always a degree of risk when sort of doing the buy and sells and the time it takes within that, the time out of the market. So that Yep. is a risk there. We did also look at just maintaining your current portfolio and just switching out that active managed panel, But we decided to move things around and update you to a more sort of appropriate model portfolio to where Oakview sort of has their investments going for the next sort of foreseeable future and updating as a whole. And then with that due to the the capital gains there, it offsets some of that by that loss in Bennelong, which is good, so it means you're not paying as much. So on page 15 there, you'll see the exact change in investments. Now with that one, you will be looking at moving up your weighting in gold and how that's been tracking removing Petaluma entirely. And then with that, there are sort of changes in regards to not being exposed as much in Japan, winding that back a little bit. And then also looking at back the S and P 500 just for how they've performed and bringing them more weight with the the portfolio and the recommendation. So there's still your call, the S and P 500. Just from how they're performing, we're just gonna bring them back in line with the recommended. We don't want it to take up too much your portfolio in terms of waiting. So that just adjusts it a little bit better moving forward, if that makes sense. Yep. No. I see.","start_word":2710,"end_word":2983,"sentiment":"neutral","sentiment_score":0.0505860409271108},{"text":"Perfect.","start_word":2984,"end_word":2984,"sentiment":"positive","sentiment_score":0.4625839591026306},{"text":"Now in regards to that on page 16 there, you'll see that you're currently in around 90 tenths split with your growth port a high growth portfolio there. With your current portfolio, it's around 84% in growth assets, whereas this will push you up to around 88. Now you will have slightly more assets in those growth portfolio alignment to get those higher returns potentially. But then with that as well, you don't have that active manager risk within the portfolio. So increasing the gross asset slightly, but then also reducing the manager risk as well within the fund.","start_word":2985,"end_word":3083,"sentiment":"neutral","sentiment_score":0.18113814294338224},{"text":"So hopefully, you experience a little less volatility moving forward as well. So sounds good.","start_word":3084,"end_word":3098,"sentiment":"positive","sentiment_score":0.38449907302856445},{"text":"Do you have any questions in regards to that at all, Julie? No. No. Sounds good. Yeah. Hi, Chelsea. No. Okay. Not a problem. So this was one of the portfolios that Bart built there as well. So if you do have a bit of a problem, yeah, you can sort of have a go at him and see where he's Oh, okay. still done. I will. Yep. Yeah. So yeah. So when I say, like, obviously, Bart's part of the investment committee there. They update the portfolios quite regularly, and then this is one of the later portfolios that does remove the active managed portion. We can look to add the active management, but which is how they've been tracking recently and how the markets have been tracking with, you know, Trump playing around. They haven't been performing that great. There have been a few winners, but then also there have been quite a few losers in that space just with it's really unpredictable at the moment in terms of, like, how things are tracking. You know, Elon Musk is playing around there as well and then also causing Tesla Yes. to go ups and downs and things like that. So it's really hard Yes. sort of to gauge how things are tracking, especially when you have someone like that that goes down and just announces things randomly that cause the market to do backflips. Yeah. Yep.","start_word":3099,"end_word":3336,"sentiment":"neutral","sentiment_score":-0.04424698985800022},{"text":"As far as in your investment fee, so it will reduce it down to, like, the investment costs down to around a $522, which is around $1,200 saving.","start_word":3337,"end_word":3364,"sentiment":"positive","sentiment_score":0.3483656346797943},{"text":"Now within regards to that, it is projected based on how the performance has been tracking with the new fund versus the one you're in previously that you might pay a little bit more in adviser fees, but that's only based on projection of it pushing it out and how that might return. Now the projection for the five year rolling average was around 19%, but, obviously, that's not gonna occur year on year on year. It is obviously just highlighting how things have gone. It's nothing's gonna replicate year on year like that again.","start_word":3365,"end_word":3459,"sentiment":"neutral","sentiment_score":0.0874587744474411},{"text":"But, hopefully, given that you're paying a lower cost, you do have that guaranteed savings in terms of that fee, which helps your super grow in addition to, hopefully, the fund that's recommended does perform better as well.","start_word":3460,"end_word":3497,"sentiment":"positive","sentiment_score":0.5951052904129028},{"text":"So you get maybe that little bit of a double whammy, if that makes sense.","start_word":3498,"end_word":3512,"sentiment":"neutral","sentiment_score":0.09383873641490936},{"text":"Yep. Perfect. So, yeah, obviously, we're hoping for lower fees, lower costs, and then aiming for that higher return.","start_word":3513,"end_word":3531,"sentiment":"positive","sentiment_score":0.386479526758194},{"text":"As I'm so unfortunate, that return's never the king that's guaranteed.","start_word":3532,"end_word":3542,"sentiment":"negative","sentiment_score":-0.38332170248031616},{"text":"But you can see on page 18 there that you can see based on the twelve month performance of three year and the five year of how the two funds have been tracking. In addition to that one, you can see what that looks like set out five and ten years and what that might look like in terms of dollar figure difference versus your current versus the recommended there as well. As I said, to Okay. be taken with a grain of salt, but, you know, it's nice to see visually what that might look like if everything did replicate. Yep. The next section on there is in just regards to those beneficiary nominations. So we do recommend nominating that legal post representative.","start_word":3543,"end_word":3666,"sentiment":"neutral","sentiment_score":0.13316570222377777},{"text":"You only have to do it once, which is lucky because the BT Panorama is a platform policy.","start_word":3667,"end_word":3684,"sentiment":"positive","sentiment_score":0.39858976006507874},{"text":"Now if you were to ever leave BT Panorama, we can look at making that policy stand alone with Tel, which is a bit of a process in itself, but it doesn't mean you are locked to the fund, but it just means at the moment it's on the platform there.","start_word":3685,"end_word":3735,"sentiment":"neutral","sentiment_score":0.16241389513015747},{"text":"You don't have to worry about doing two different nominations. You can just do the one, which is nice. A little bit of simplicity there for you.","start_word":3736,"end_word":3762,"sentiment":"positive","sentiment_score":0.5304766297340393},{"text":"Yes. There is some advantages and disadvantages in regards to that, but I kinda touched on them there before. So feel free to have a read through of that. And if you were to sort of make an estate asset versus a non estate asset, obviously, if you get a spouse, you can look at changing that. Beneficiaries aren't locked in.","start_word":3763,"end_word":3823,"sentiment":"neutral","sentiment_score":0.053470853716135025},{"text":"We do recommend you sort of Yes. review them regularly to make sure that you are happy with them.","start_word":3824,"end_word":3842,"sentiment":"positive","sentiment_score":0.37556153535842896},{"text":"You know, if you were to sort of have a partner down the track, you probably want them receive it. And, you know, the systems might take a little bit of a back burner. Yes. In terms of a will there, we obviously we're recommending you establish a will. We can pass along CDM's information again if you'd like. But in saying that, you can use, like, a more trusted sort of solicitor if you know someone in the family as well. Yes. Obviously, by having a will, it just distributes your assets the way you'd like them to be distributed, whether you've not got a few airline things you wanna pass along certain people, whether it's having, you know, power of attorney in the event that you were incapacitated. You know, you might be a pull the plug person, might be a not pull the plug person. And then with Yes. that, you can sort of put it in writing so it takes those decisions out of family members' hands if something were Yeah. to sorta happen. It I can do sort it of again. minimize, yeah, the stress in those times, if that makes sense as well. Yep. I'll just tell Tracy to pull the plug. Yeah. I She'll I do might it. Yeah. I I probably wouldn't be one Yes. to to be on the machines either, so give Yeah. me a few weeks. If things haven't turned around, you know, just let me go. Well, like, give me a couple of weeks and then, yeah, if it doesn't look like it's happening, just get rid of Yeah. You know? me. Take Put my put seatbelt. the Fine. yeah. Put the money towards maybe a nice coffin and call it a day. Spend Yeah. on the wake. Exactly. Yeah. And that's, yeah, leading on to that power of attorney section on page 24 there and the advantages and disadvantages of that. Obviously, you know, you don't have to have a power of attorney. You don't have to have advanced health care directive, things like that as well. But like Yep. I said, it does take those decisions out of the hands of family members. And, you know, some family members, you know, during those emotional times, might wanna keep you around. Whereas if you've got your decision on paper, it makes it Yeah.","start_word":3843,"end_word":4238,"sentiment":"neutral","sentiment_score":0.04362766817212105},{"text":"Definitely. a lot Yeah. easier.","start_word":4239,"end_word":4243,"sentiment":"positive","sentiment_score":0.4215211868286133},{"text":"Yeah. In I guess terms it of needs to be at that sorted. yeah. Yeah. So as I said, I can pass on the information as well if you'd like again. Otherwise but Still have it, but maybe just send it in case. yeah. That might Not a problem. prompt prompt me to actually book in. Yeah. And then worst case scenario, if you don't wanna see a solicitor, you don't wanna pay the few $100 for a will and all things set up, you can get, like, a post office will, which is generally, like, you know, 50 to $100. And as long as you follow the steps, at least you've got something in place until such time Yes. you're sort of ready to get around to, you know, sitting Yeah. down with a lawyer, drawing things out, those sort Nice of one. things. Yeah. No. Almost makes the way I do it. Yeah. In terms of the adviser fee, so you're not on a regular adviser fee. You're on 1.49, which I believe Bart set up as well. It's outside of the Yes. normal sort of fees, but we're just maintaining that as well. If you feel like you're paying too much, feel free. You know, tell Tracy that tell Bart to pull his finger out, but that is lower than the the standard No. fee that we do I have. think I So know.","start_word":4244,"end_word":4480,"sentiment":"neutral","sentiment_score":0.03783095385957871},{"text":"Yeah. I think I know I'm getting a good deal. So it's that.","start_word":4481,"end_word":4493,"sentiment":"positive","sentiment_score":0.481681227684021},{"text":"maybe with the growth in the estimated breaker, it might look like a sort of 4,400 bit over in terms of, like, a yearly fee. But as I said, that's based on, like, the gross projection as well. So if the market market store a little bit or they fluctuate or take a bit of a dive, you won't actually pay that amount. But if they do really well, you might end up paying a little bit more as well. But that does have growth projected into it, if that makes sense. Yep.","start_word":4494,"end_word":4586,"sentiment":"neutral","sentiment_score":0.0767611712217331},{"text":"Yes. Perfect.","start_word":4587,"end_word":4588,"sentiment":"positive","sentiment_score":0.433308482170105},{"text":"But in terms of, like, any other fees, you don't get charged, like, any other things, like, for the phone calls or pieces of paper or beneficiary forms, things like that. CGM does have their own pricing. Brokers get paid, obviously, through the institutions they lend with, so you don't have to pay out of pocket for those mortgage brokers. But, yeah, if you like to visit one of the OVA accountants or, you know, the lawyers there, it does come Yes. with their own separate fees. Yes. I think in terms of the advice to you, it's quite simple. As I said, it is basically just an investment update because we did review everything, but just based on, you know, we can't really touch the insurances at the moment just while you're going through that claims. We can potentially look at top up cover once you sort of purchase a property if you'd like to be covered for a bit more of your debt if you do purchase a place and having a a separate policy that may have those exclusions moving forward. Yes. But at least you'll have that current policy still in place there as well as that military super. And then once you're sort of happy with everything you did wanna sign the document, we'd deal with updating the portfolio. But when it comes to the the beneficiary forms and, you know, getting a will sorted in place, things like that, that is up to you and your own time there as well. We'll obviously follow you up, but I can't force you to draw up a will. But That's in in that's okay.","start_word":4589,"end_word":4866,"sentiment":"neutral","sentiment_score":0.1548918083631735},{"text":"okay. Perfect. And in saying that too, I can send you a copy of your your beneficiary form for BT to be able to fill out as well and update. Yeah. That'd be good. Okay. That's Perfect.","start_word":4867,"end_word":4903,"sentiment":"positive","sentiment_score":0.3977108895778656},{"text":"But do you have any questions in regards to anything we've sort of discussed there, Julian? No. All seems pretty straightforward.","start_word":4904,"end_word":4924,"sentiment":"neutral","sentiment_score":0.10877121984958649},{"text":"Easy.","start_word":4925,"end_word":4925,"sentiment":"positive","sentiment_score":0.3704644739627838},{"text":"Yeah.","start_word":4926,"end_word":4926,"sentiment":"neutral","sentiment_score":0.2908252775669098},{"text":"It is quite quite straightforward and simple.","start_word":4927,"end_word":4933,"sentiment":"positive","sentiment_score":0.4072175621986389},{"text":"That one, as I said I apologize for how long it has taken. But, yeah, a lot a lot I of stuff think that going was half on. my fault. I don't think I answered straight Yeah. No. It's perfectly fine. Yeah. It's probably a bit of both. away. Obviously, you know, it's not a call you wanna take every afternoon when I take up forty minutes of your time to talk about random financial advice. Yep. Right.","start_word":4934,"end_word":5011,"sentiment":"neutral","sentiment_score":-0.12707751989364624},{"text":"It's a good It's perfect.","start_word":5012,"end_word":5016,"sentiment":"positive","sentiment_score":0.3939823806285858},{"text":"In terms of the advice piece there, obviously, feel free to have a read through. I didn't sort of skim through. I don't wanna take up all of your afternoon once you've had a busy day, but feel free to have a little read through it, see if you're happy with everything. There are links yep. in your pen to the recommended investments, so feel free to have a look at those as well, see if you're happy with everything. If you wanna look at maybe changing things or, you know, you see something you don't like, feel free to give us a callback. Otherwise, Yep. if you did sign it, it redoes that advice fee, those, like, ongoing Yep. service claim if you're happy to stay on for the next twelve months in addition to we'll get those advice sorted with the investment switch as well. But Yes. did you want any other updates in regards to to anything while you've got me? Or No. I thought I think so. That's it.","start_word":5017,"end_word":5189,"sentiment":"neutral","sentiment_score":0.10440495541330018},{"text":"perfect.","start_word":5190,"end_word":5190,"sentiment":"positive","sentiment_score":0.6089980006217957},{"text":"And then did I end up sending you a copy of the of your budget planner for, you know, your budgeting and sort of dealing with the the personal loan and savings for the property? I think you might have. Is that something you want me to send again just quickly or are you Yeah. Go on. Send it to me. yeah.","start_word":5191,"end_word":5252,"sentiment":"neutral","sentiment_score":0.14278824627399445},{"text":"I feel It's like just Bart a nice sent it to nice me at some stage too.","start_word":5253,"end_word":5269,"sentiment":"positive","sentiment_score":0.3651059865951538},{"text":"tool. But Yeah. Just yeah. when Yeah. you sort of I'll especially have a look when at you it. start saving a little bit heavy for the house, you know, you might be able to see where you might be able to cut back on a few discretionary spending. I know myself, I've got a few too many streaming services, I believe. I was just about to say that I know exactly what I can probably get rid of, but it's so hard too because I'm like, oh, but I'm still watching that show. And, like and this show is coming back on that one. And so yeah. But I spend way too much money on TV. I I know. You almost need to do a rotation of each month, but it's so much hassle with the administration of doing Ugh. Today. that, isn't Having to cancel it and then restart it again. It's like, oh my gosh. it? Yeah. They That really one. get you too, don't they? Yeah. I'm in the same boat, and then each year they put up their prices, and I'm just stuck there paying it each I know. You think, oh, okay. That's not that much. But then they all do it. year. Yeah. And it it works out to be quite a bit more over the period of twelve It months. does. Yeah. Yes. Okay. I will send that through us. And with the beneficiary form, do you just want that in the hard mail there, or do you want just an email that you can print off? Just the email. Print off is fine.","start_word":5270,"end_word":5541,"sentiment":"neutral","sentiment_score":-0.04751725160681149},{"text":"Perfect. Not a problem at all.","start_word":5542,"end_word":5547,"sentiment":"positive","sentiment_score":0.5161473155021667},{"text":"Well, I'll get Yes.","start_word":5548,"end_word":5551,"sentiment":"neutral","sentiment_score":0.24673247337341309},{"text":"those things sorted there for you.","start_word":5552,"end_word":5557,"sentiment":"positive","sentiment_score":0.38496989011764526},{"text":"I'll attach K. all those, and I'll get that done after this call. Otherwise, that is basically all from me. If you didn't have any questions in regards to that, as I said, feel free to have a read through the advantages and disadvantages a little bit more in-depth. But I didn't Yep. wanna take up all all your time there and cut into your dinner time and maybe some your maths this afternoon. Who who knows what's gonna happen during that? I tend to get a few of the updates in the office on what's going on, so it's probably interesting. Yep. All the boys in my office talked about math.","start_word":5558,"end_word":5669,"sentiment":"neutral","sentiment_score":0.15533222258090973},{"text":"So I was just talking about math, but today they're like, oh, it's so good. And then it just shows to my wife how good how good our relationship is.","start_word":5670,"end_word":5699,"sentiment":"positive","sentiment_score":0.4987319111824035},{"text":"That's what Well, that you was saying. I'm like, you guys are crazy. you you'll have to make sure you're up to date then so you can get in on I the know. I might have to start actually watching it a little bit more. So office. I see it a little bit more. So I see little bits and pieces, but I don't really pay that much attention. But I might have to just so I can see Just what the to gossip contribute is in at the office. the smoker. Yeah. Yeah. Just so I can throw something in. Oh, yeah. I know about such and such. Yeah. They're such a bitch. Yeah. So yeah. I Exactly. gotta sound like I'm in the in crowd now. Yeah. Yeah. It's like the the guys that don't actually watch football, but they hear it on the radio, and they just say the few phrases. You just gotta get to Yeah. get in there with a few things, and Yeah. you'll be Yeah. It makes it sound like right. you know what you're talking about. Exactly. And then just take it back, Brenna, and let it all unfold. Yeah. That's it. Alright, Julie. It's been Alright.","start_word":5700,"end_word":5904,"sentiment":"neutral","sentiment_score":0.02214085290708193},{"text":"a pleasure Thanks.","start_word":5905,"end_word":5907,"sentiment":"positive","sentiment_score":0.6064092516899109},{"text":"speaking to you the this Yep. afternoon, but I'll I'll let you get back to it. But any questions, feel like giving me a callback. It's not a problem. Yep.","start_word":5908,"end_word":5937,"sentiment":"neutral","sentiment_score":0.19648222625255585},{"text":"We can schedule back in and have a chat. Too easy. Thank you for that. No problem at all. You enjoy the rest of the afternoon. Thanks for your time. You too.","start_word":5938,"end_word":5969,"sentiment":"positive","sentiment_score":0.6378518342971802},{"text":"Bye. Bye.","start_word":5970,"end_word":5971,"sentiment":"neutral","sentiment_score":0.28540095686912537}],"average":{"sentiment":"neutral","sentiment_score":0.08233822694271156}}}}