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So I understand you did change address there from what they told me there as well. Was that so it's 5 Arthur Street. Is that correct? Okay. Not a problem. I'll just make sure that's updated in the workbook as well. With that, I'll get the the team there to update that on your account just so that reflects. And then with the advice piece, it doesn't actually list your your current address, so that's fine in terms of your details. Now with the advice piece there, Lisa, I'll just be sending that to your your current email, which would be lisa.wild355@gmail.com. Perfect. There I know in regards to what we discussed, it was mainly just in regards to looking at the investment update. So we'll send that through. Obviously, you're driving, so you can't have a look at it at the moment. But Yeah. Okay. No problem. Yeah. It should come up there shortly. Yep. No. That's fine. Yep. Still here. Perfect. It'll be via Odoo, so it's a bit of a different signing service to what you've used probably previously. And then with that, you'll have the attachments there as well as the signable link if you were happy to go ahead with the recommendation. Now, obviously, I know you were a little bit concerned about, obviously, what has happened previously, and I explained what I could do for you, which was look at the investments there and look at an update there for you. In the appendix as well there, Lisa, I have chucked in there a comparison to Australian Super to have a look at, in terms of comparisons, if you were, in that fund. Now within that one there, it's a little bit, different in terms of, like, the asset allocations. Now when we did compare the Australian Super to the growth portfolio, and currently, it just worked out that the Australian Super high growth was more in line with sort of the growth portfolio that you're currently in and then sort of what we'd be recommending in line with sort of Okview's in investment philosophy there. It's what's a growth portfolio. Now with that, it compares for that like for like in the appendix that I'm referring to your current versus the recommend sort of what your Australian super would be. So current situation to an Australian super high growth fund, where typically, the the general default is around a growth. So if you were to go to Australian super and get just the default Australian super, it's important to sorta evaluate your risk and what sort of level of exposure you would have. And then that sorta shows you the cost of that. Now within regards to performance, it was performing slightly worse over a five year period, but in saying that you got a Canon to adviser fees. So given your current situation versus being an Australian super, it'd be sort of, like, on par or maybe sort of depending like, obviously, your portfolio and the times you've been invested, this is based on rolling average figures might be sort of better off in one or the other versus the recommended that we are recommending with the updated portfolio. It works out that the performance historically has been a bit better in terms of the the rolling averages there, around 13% versus, like, a 9% for the Australian super. And then the investment cost is a lot more in Australian super. And then, obviously, still the adviser fee is higher, but then you also do have access to the other services here, Oakview Financial, as a part of, like, the ongoing fee. It's not just the management cost that's included with that one. And then you'll also be able to see in the appendix the recommended investments there and that I'm recommending as a part of your portfolio update. So that is the appendix. I thought I'd just mention that first just because there are those comparisons to Australian Super for you because I know that's the fund you were sort of considering. As far as the advice piece itself, can you see the that email now there with the statement of advice? Yeah. No. That's fine. Did you click under the statement of advice, or did you go to the appendix there? Okay. No. That's that's fine. Yeah. So with that one, these documents created for yourself. Obviously, it's quite limited in the scoping because we were mainly looking just at the investment side of things, and I thought I'd just mention they're the estate planning side of things just because I know you didn't have all your estate planning matters in place. Just as a reminder there in regards to wills and estate and, like, power of attorney. As far as superannuation, it's quite clear on why you wanted that reviewed given what happened with Ben Long. You had quite a high allocation to that. Now, obviously, I wasn't the adviser that did that for you. So it's sort of the first time we've spoken. So within regards to that, looking at adjusting that and making sure moving forward, that wouldn't be an issue as to sort of what happened previously. Obviously, I can't say too much about what your discussions you have with your adviser and that level of risk on taking on those managed funds and having that active portion and that allocation to that. I can sort of only do going forward. And then sort of if you feel going from this that you still wanna sort of part ways, that's more than fine. You don't have to dodge the calls. We'll still assist you on that journey there as well, Lisa. But, obviously, this advice updates to hopefully put you in a better position based on if you were to stay here at Financial. Yep. As far as limited scoping, it touches on the salary sacrifice being included, but not making any changes because, obviously, you don't want to look at that at this time. As far as not having insurances, we're not reviewing that because you didn't want to at the moment. Same with the budgeting and debt management. You're happy sort of with your own budget at the moment and managing your own debt with that consolidation with the new property per purchase and paying down that debt to, like, your retirement. As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you. Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those up. We can obviously just make the recommendation that you implement those. So that's fine. As far as your details, that'll be on page eight and nine in terms of your current situation and balance. So please feel free to have a look over those and make sure they are all correct. But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile. So for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth portfolio. Now as far as the investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table. Now this is skipping over the recommendation a little bit, but it'll go over the buyers and the sales there of we're recommending. Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific. So it can sort of, over the longer term period, see a lot more volatility with what is occurring. The bank hybrids are being phased out, so that's why we're recommending getting rid of those. As far as the gold and the cybersecurity side of things, we're looking at keeping a portion in that for you. Now as far as the the Benelung itself, because it is an Australian equities and is that managed fund and, obviously, what did occur with it, we're recommending you remove that. You'd crystallize the losses, but then you can use those forwards for those investment changes to ensure that you're not paying capital gains moving forward for that loss and the changes in your investment. And then you would have the beta shares Australian 200, which is an Australian index, the top 200 companies there. That means you have a nice exposure in Australia still, but it's in the market index. You don't have that manager risk. You don't have that market volatility as much to the extent that someone's picking and choosing. It's just what the markets are doing. Obviously, at the moment, the markets are a bit down with what's happening in the wall, but that's sort of everywhere across the board. That's what the market's doing. So when you move from the actively managed sort of funds towards a more passive index approach, it means that you're just tracking what the market's doing. You're not trying to outperform it. You're just trying to follow it. Now with everything that is occurring, that sort of might be a little bit stagnant at least for the next few months while that war is occurring. But over a sustained long term period of time, it means that you get that growth of what the markets are doing over a longer period of time without the risk of trying to pick and choose winners, what sort of went wrong there with with Benelon, if that makes sense. Then you'll still have a nice amount of exposure outside The US and Australia with Japan there and then Vanguard or World. And then you'll have a nice defensive portion there in the iShares composite bond, which is a bit of fixed interest and also some debt to be able to sort of be a bit more of a defensive portion of your portfolio. Do you have any questions in regards to that sort of investment change there at all? Yeah. No. Obviously, like, the rest of your portfolio wasn't horrendous in the sense that, like, the other assets weren't performing too well. It's mainly because you had such a high allocation to that Benelong Australian Equities Fund. And in a dollar figure, because it is a smaller balance, like you said, in terms of a dollar figure, you haven't lost, like, a crazy amount considered, like, what did occur. It's only around the 4,500 that Benelon did sort of lose as a investment amount. The rest of your portfolio obviously was tracking sort of alright at least for the last year until that point. Obviously, you know, the back end of COVID, there was a bit of a dip and things like that in the tariff talk at the start of the year. But, hopefully, with this, you won't have that manager risk moving forward, and then it'll just sort of track what the market's doing. Now as I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone until that was the sort of stop and they do recover. So we are still on a bit of that dip phase. The risk we're sort of selling and buying in that phase is obviously it can be a bit more volatile as well in terms of, like, the market jumps and dips. So if you were to sort of take on the investment recommendation selling to cash for those investments, there is a chance in that time frame too that the markets either go up or down. Now if they go up, it means you might lose a bit in terms of you sold a bit lower and bought a bit higher. But if it goes down, it obviously works the other way. That's just something to be mindful of. But over a longer term time, it's sort of a little bit negligible. We did also consider there for you, as I said, moving you to Australian super in terms of that, but you would pay the total capital gains cost if you were to sort of sell down fully and move out. You also just have less access to visibility reporting features of the platform that you could take advantage of under Hub 20 four, and then you also wouldn't have, as as advisers there as well. And as I said, feel free to have a look through it and see if you are comfortable with it once you get home, have a good read, and sort of make a decision if you'd like to take on the investment change and say, or if you sort of feel you'd be better off off work. So I don't wanna sort of press you into anything. But, obviously okay. Not a problem. We'll at least have a a read through this afternoon if you are gonna go ahead, and then once you sort of sign, I'll initiate those trades and then that investment switch will go ahead. As far as, like, the active management, as I said, we got rid of that for now. It's not something you can sort of you can look at putting it back in the future. That's fine. But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side. And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong. Bennelong had its own specific reasons, but, obviously, you know, with the markets, you'd have those higher risk sort of shares in those funds. So when the markets do take a turn like now, they obviously do take quite a bit of a dip as well. We also, yeah, we also did there have a look at just sort of keeping the investments and switching out the underperforming ones. But just with this change, it works out to be cheaper overall in terms of the cost. And then saving on that investment cost coupled with the fact that you do have those less risky investment sort of ETFs and have a bit more diversification across different industry and regions just means that hopefully going forward, you don't experience those sort of huge drops that you did there, if that makes sense. Obviously, the risk with that one is the benefit you get the lower fees. It has a better track record historically. You get the benefits of Hub twenty four still as a retail platform. You get our service still. It is still that core satellite approach there. So hopefully moving forward, it's a little bit sort of less volatile and then sort of just that sustained longer term growth with what the markets are doing. Obviously, the risk with investments, though, is that there isn't a guarantee that the recommended will sort of perform as in, like, the historical performance is an indicative of future performance. But based on the markets, the regions, the diversification at home, you would a 100% be saving in terms of if you stay where you were versus moving to the recommended investment and which compounds towards your growth as well, if that makes sense. Yep. And then if sort of six, twelve months from now, if you were happy with how it was tracking and want to talk about strategies around bolstering up a little bit more with your salary sacrifice and things like that, given that your main debt's just a home and you don't really have any other debt. That's also some conversations you can have. So in terms of the trade, once it's sort of signed and then implemented there, they'll initiate the trade. And then from that, it can take up to two weeks for the managed funds to sell down. But once the buy order's put in, it sort of locks in the price on that trade day of what it is. So if you're worried about it sort of continually going down from there, generally, once the trade order's placed, it will sell for that traded price at the end of that day. And then with the managed funds that take a little bit longer from the exchange traded funds you do have, it might be a little bit quicker. But in saying that as well, a key portion of your portfolio is staying with the S and P 500, which means that you're not selling that, so you wouldn't have that out of the market. Excuse me. So it would only be the ones that are changing there. That would be sort of the ones that are selling and buying, and the bet along would probably take the most around sort of that week and a half to two weeks to be able to sort of sell to cash and then sort of be implemented as a new buyer, if that makes sense. Let me just double check-in. As I said, like, you can have a six month catch up. Given that everything is happening, even with the change, there's a chance, like, with everything going on that it still might be a bit stagnant in terms of what's happening in the markets in that six months' time. But you can definitely get booked in for a six month catch up just to review it and see how it's going and see how that compares to the market and things like that and see how you feel about it. Yep. And that can be the same moving forward. You can go for sort of six month catch ups or sort of the the quarterly. Obviously, with in regards to Super, it is a bit of a long term game. So at least six months, yeah, you get a little bit more peace of mind even if it is just a conversation versus, like, each twelve months at year review. And then sort of you can be a little bit more on top of, like, world events and things like that and how you feel about it and just expressing that and some changes and things like that as well. Yep. And regards to the wills and as power of attorney, obviously, that's quite straightforward in terms of, like, seeking the advice of a a lawyer or services of a lawyer to establish a will and a power of attorney to be able to to set up those estate planning measures. So we put that in there just as a reminder that you don't have those in place. Now as far as the fees, there will be that 1.65%, which is around the $1,400 mark in terms of a yearly fee. Now that's considering balance and growth. So if the market stay a little bit more stagnant, it means you also get charged a little bit less in regards to that fee. If they tick back up and it goes up a little bit more, then the percentage is based off the current balance at that month time charged across, like, a twelve month period. So it may increase a little bit with that if they were to return. But that's just to give you a rough idea of what that may look like over that twelve months. With your ongoing service agreement and things like that as well, Lisa, it's not a lock in contract either. So in saying that, if you do can't see any review sign and then sort of, you know, a few months from that, wanna look at kind of changing there as well, it also means that you can look at just opting out of the service. It's not locked in. It doesn't try and keep you hostage if you were to sort of wanna make the change to that peace of mind. So obviously, you don't ever get back the the lock in from that. As in, like, you've paid your fees up until then. You paid your upfront cost there. So that isn't sort of returned. But in saying that, there's no sort of exit fee or things like that as well. It just sort of ceases at the time you were sort of willing to seize. Yep. And then with that, if you were to be happy as well, given that we sort of did go through a bit of a review there, it's sort of due for your annual review around the fourth as well. So we can, if you were to sign everything, just organize an ongoing service agreement and then just review in six months to see if you were still happy to stay on board and then just go from there. If you're happy with that. Not a problem at all, Lisa. Obviously, there is a lot of information there and a lot of sort of, you know, the advantages, disadvantages, things like that, which, unfortunately, I don't have the the time for just given to the time for my next booking there. But feel free to have a read through of that. If you have any questions, feel free to I'll shoot in your quick email after this that you can respond to with any questions, or you can just respond to that link that we've got going or the chain that we've got going with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have. But otherwise, have a bit of a read through, see if you're happy with it, but it is quite simple in terms of it is just that investment update there. And then all those investments are listed in that appendix for you to have a look at. No problem. Do you have any other questions in regards to the advice piece there today, Lisa? Yeah. It can be a lot like, a lot of words coming coming out here. So the tape yeah. So the main table there is probably on that fifteen, sixteen with the buyers and the sales of what you're actually getting rid of worth what you're getting. So have a look at that, make sure you're sort of happy with where you're sort of going in regards to your exposures. As far as the allocations, you will have slightly more in growth assets versus the defensive, but you'll also be reducing your manager risk there as well. So when tracking the markets, you do have a lot less volatility and a lot less risk in regards to what's happening versus relying on those fund managers to be making those right decisions as well. So within regards to that, there is an investment committee that does monitor. There within regards to certain events, like with COVID, they did remove and sort of put people to cash in that sort of time frame to be able to sort of mitigate the dip because they expect it to go long term and be quite a significant dip. But that's quite a rare, like, change. Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to retire at the age of 67. So within things like the GSE, if you were to sort of try and sell out and buy in, you sort of run the risk of that market timing. Whereas if you just held the investment and sort of kept contributing, you're buying still at that dip time. And as it recovers, your superannuation recovers with that, and you just sort of ride it out versus trying to do that that day trading and do the buys and the sells and try and time the market because it is quite a hard game to time the market, and you sort of can be left out to dry if you sort of don't time it correctly and miss the boat. No. If you decided to if you hit 60 and decided to just stop work, you could just take it all and and run, basically, and sort of you wouldn't be able to get any government assistance until the age of sort of 67 if you're eligible for it, given your assets and things like that or income tests. Been saying that, yeah, you can sort of at 60 still meet a conditional release and take it out. Saying that to if you're 60 and still working, you can do a transition to retirement where you can access up to 10% per annum to be able to sort of fund additional sort of holidays, living expenses, or you can look at rate contribution studies, drawing down tax free and adding, like, your pretax dollars through salary sacrifice to sort of help bolster up your super a little bit leading into retirement as well. So that's something you can think about in the next sort of five years if you wanna sort of do that strategy because you're already salary sacrificing. It might be sort of worth looking at that. Given your income, it might not mean that you have to salary sacrifice much more to be able to do that sort of drawdown switch to be able to save a little bit on tax. Does that make sense? Yep. But as you said, any any questions once you go for a little bit of a a look through that, feel free to, like, give us a a message there, and I'll try and organize a time. If not, I'll try and respond via the email to give you a bit of insight into what you may be inquiring about. Not a problem at all, Lisa. And, yeah, once that's signed, I'll be sort of I'll put a note on here to action yours quite quickly if you were happy with everything as well. Try and keep it moving. Yeah. Not a problem. But anything else, Lisa, feel free to reach out. Otherwise, I'll let you get back to your afternoon. Enjoy the right time. Thank you. 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Lisa. Thanks for calling back. Yeah. It just went straight to MessageBank both times, so I'm unsure as to why. No.\n\nThat's perfectly fine, Elisa. So I understand you did change address there from what they told me there as well. Was that so it's 5 Arthur Street. Is that correct? Okay.\n\nNot a problem. I'll just make sure that's updated in the workbook as well. With that, I'll get the the team there to update that on your account just so that reflects. And then with the advice piece, it doesn't actually list your your current address, so that's fine in terms of your details. Now with the advice piece there, Lisa, I'll just be sending that to your your current email, which would be lisa.wild355@gmail.com.\n\nPerfect. There I know in regards to what we discussed, it was mainly just in regards to looking at the investment update. So we'll send that through. Obviously, you're driving, so you can't have a look at it at the moment. But Yeah.\n\nOkay. No problem. Yeah. It should come up there shortly. Yep.\n\nNo. That's fine. Yep. Still here. Perfect.\n\nIt'll be via Odoo, so it's a bit of a different signing service to what you've used probably previously. And then with that, you'll have the attachments there as well as the signable link if you were happy to go ahead with the recommendation. Now, obviously, I know you were a little bit concerned about, obviously, what has happened previously, and I explained what I could do for you, which was look at the investments there and look at an update there for you. In the appendix as well there, Lisa, I have chucked in there a comparison to Australian Super to have a look at, in terms of comparisons, if you were, in that fund. Now within that one there, it's a little bit, different in terms of, like, the asset allocations.\n\nNow when we did compare the Australian Super to the growth portfolio, and currently, it just worked out that the Australian Super high growth was more in line with sort of the growth portfolio that you're currently in and then sort of what we'd be recommending in line with sort of Okview's in investment philosophy there. It's what's a growth portfolio. Now with that, it compares for that like for like in the appendix that I'm referring to your current versus the recommend sort of what your Australian super would be. So current situation to an Australian super high growth fund, where typically, the the general default is around a growth. So if you were to go to Australian super and get just the default Australian super, it's important to sorta evaluate your risk and what sort of level of exposure you would have.\n\nAnd then that sorta shows you the cost of that. Now within regards to performance, it was performing slightly worse over a five year period, but in saying that you got a Canon to adviser fees. So given your current situation versus being an Australian super, it'd be sort of, like, on par or maybe sort of depending like, obviously, your portfolio and the times you've been invested, this is based on rolling average figures might be sort of better off in one or the other versus the recommended that we are recommending with the updated portfolio. It works out that the performance historically has been a bit better in terms of the the rolling averages there, around 13% versus, like, a 9% for the Australian super. And then the investment cost is a lot more in Australian super.\n\nAnd then, obviously, still the adviser fee is higher, but then you also do have access to the other services here, Oakview Financial, as a part of, like, the ongoing fee. It's not just the management cost that's included with that one. And then you'll also be able to see in the appendix the recommended investments there and that I'm recommending as a part of your portfolio update. So that is the appendix. I thought I'd just mention that first just because there are those comparisons to Australian Super for you because I know that's the fund you were sort of considering.\n\nAs far as the advice piece itself, can you see the that email now there with the statement of advice? Yeah. No. That's fine. Did you click under the statement of advice, or did you go to the appendix there?\n\nOkay. No. That's that's fine. Yeah. So with that one, these documents created for yourself.\n\nObviously, it's quite limited in the scoping because we were mainly looking just at the investment side of things, and I thought I'd just mention they're the estate planning side of things just because I know you didn't have all your estate planning matters in place. Just as a reminder there in regards to wills and estate and, like, power of attorney. As far as superannuation, it's quite clear on why you wanted that reviewed given what happened with Ben Long. You had quite a high allocation to that. Now, obviously, I wasn't the adviser that did that for you.\n\nSo it's sort of the first time we've spoken. So within regards to that, looking at adjusting that and making sure moving forward, that wouldn't be an issue as to sort of what happened previously. Obviously, I can't say too much about what your discussions you have with your adviser and that level of risk on taking on those managed funds and having that active portion and that allocation to that. I can sort of only do going forward. And then sort of if you feel going from this that you still wanna sort of part ways, that's more than fine.\n\nYou don't have to dodge the calls. We'll still assist you on that journey there as well, Lisa. But, obviously, this advice updates to hopefully put you in a better position based on if you were to stay here at Financial. Yep. As far as limited scoping, it touches on the salary sacrifice being included, but not making any changes because, obviously, you don't want to look at that at this time.\n\nAs far as not having insurances, we're not reviewing that because you didn't want to at the moment. Same with the budgeting and debt management. You're happy sort of with your own budget at the moment and managing your own debt with that consolidation with the new property per purchase and paying down that debt to, like, your retirement. As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you. Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those up.\n\nWe can obviously just make the recommendation that you implement those. So that's fine. As far as your details, that'll be on page eight and nine in terms of your current situation and balance. So please feel free to have a look over those and make sure they are all correct. But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile.\n\nSo for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth portfolio. Now as far as the investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table. Now this is skipping over the recommendation a little bit, but it'll go over the buyers and the sales there of we're recommending. Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific. So it can sort of, over the longer term period, see a lot more volatility with what is occurring.\n\nThe bank hybrids are being phased out, so that's why we're recommending getting rid of those. As far as the gold and the cybersecurity side of things, we're looking at keeping a portion in that for you. Now as far as the the Benelung itself, because it is an Australian equities and is that managed fund and, obviously, what did occur with it, we're recommending you remove that. You'd crystallize the losses, but then you can use those forwards for those investment changes to ensure that you're not paying capital gains moving forward for that loss and the changes in your investment. And then you would have the beta shares Australian 200, which is an Australian index, the top 200 companies there.\n\nThat means you have a nice exposure in Australia still, but it's in the market index. You don't have that manager risk. You don't have that market volatility as much to the extent that someone's picking and choosing. It's just what the markets are doing. Obviously, at the moment, the markets are a bit down with what's happening in the wall, but that's sort of everywhere across the board.\n\nThat's what the market's doing. So when you move from the actively managed sort of funds towards a more passive index approach, it means that you're just tracking what the market's doing. You're not trying to outperform it. You're just trying to follow it. Now with everything that is occurring, that sort of might be a little bit stagnant at least for the next few months while that war is occurring.\n\nBut over a sustained long term period of time, it means that you get that growth of what the markets are doing over a longer period of time without the risk of trying to pick and choose winners, what sort of went wrong there with with Benelon, if that makes sense. Then you'll still have a nice amount of exposure outside The US and Australia with Japan there and then Vanguard or World. And then you'll have a nice defensive portion there in the iShares composite bond, which is a bit of fixed interest and also some debt to be able to sort of be a bit more of a defensive portion of your portfolio. Do you have any questions in regards to that sort of investment change there at all? Yeah.\n\nNo. Obviously, like, the rest of your portfolio wasn't horrendous in the sense that, like, the other assets weren't performing too well. It's mainly because you had such a high allocation to that Benelong Australian Equities Fund. And in a dollar figure, because it is a smaller balance, like you said, in terms of a dollar figure, you haven't lost, like, a crazy amount considered, like, what did occur. It's only around the 4,500 that Benelon did sort of lose as a investment amount.\n\nThe rest of your portfolio obviously was tracking sort of alright at least for the last year until that point. Obviously, you know, the back end of COVID, there was a bit of a dip and things like that in the tariff talk at the start of the year. But, hopefully, with this, you won't have that manager risk moving forward, and then it'll just sort of track what the market's doing. Now as I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone until that was the sort of stop and they do recover. So we are still on a bit of that dip phase.\n\nThe risk we're sort of selling and buying in that phase is obviously it can be a bit more volatile as well in terms of, like, the market jumps and dips. So if you were to sort of take on the investment recommendation selling to cash for those investments, there is a chance in that time frame too that the markets either go up or down. Now if they go up, it means you might lose a bit in terms of you sold a bit lower and bought a bit higher. But if it goes down, it obviously works the other way. That's just something to be mindful of.\n\nBut over a longer term time, it's sort of a little bit negligible. We did also consider there for you, as I said, moving you to Australian super in terms of that, but you would pay the total capital gains cost if you were to sort of sell down fully and move out. You also just have less access to visibility reporting features of the platform that you could take advantage of under Hub 20 four, and then you also wouldn't have, as as advisers there as well. And as I said, feel free to have a look through it and see if you are comfortable with it once you get home, have a good read, and sort of make a decision if you'd like to take on the investment change and say, or if you sort of feel you'd be better off off work. So I don't wanna sort of press you into anything.\n\nBut, obviously okay. Not a problem. We'll at least have a a read through this afternoon if you are gonna go ahead, and then once you sort of sign, I'll initiate those trades and then that investment switch will go ahead. As far as, like, the active management, as I said, we got rid of that for now. It's not something you can sort of you can look at putting it back in the future.\n\nThat's fine. But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side. And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong. Bennelong had its own specific reasons, but, obviously, you know, with the markets, you'd have those higher risk sort of shares in those funds. So when the markets do take a turn like now, they obviously do take quite a bit of a dip as well.\n\nWe also, yeah, we also did there have a look at just sort of keeping the investments and switching out the underperforming ones. But just with this change, it works out to be cheaper overall in terms of the cost. And then saving on that investment cost coupled with the fact that you do have those less risky investment sort of ETFs and have a bit more diversification across different industry and regions just means that hopefully going forward, you don't experience those sort of huge drops that you did there, if that makes sense. Obviously, the risk with that one is the benefit you get the lower fees. It has a better track record historically.\n\nYou get the benefits of Hub twenty four still as a retail platform. You get our service still. It is still that core satellite approach there. So hopefully moving forward, it's a little bit sort of less volatile and then sort of just that sustained longer term growth with what the markets are doing. Obviously, the risk with investments, though, is that there isn't a guarantee that the recommended will sort of perform as in, like, the historical performance is an indicative of future performance.\n\nBut based on the markets, the regions, the diversification at home, you would a 100% be saving in terms of if you stay where you were versus moving to the recommended investment and which compounds towards your growth as well, if that makes sense. Yep. And then if sort of six, twelve months from now, if you were happy with how it was tracking and want to talk about strategies around bolstering up a little bit more with your salary sacrifice and things like that, given that your main debt's just a home and you don't really have any other debt. That's also some conversations you can have. So in terms of the trade, once it's sort of signed and then implemented there, they'll initiate the trade.\n\nAnd then from that, it can take up to two weeks for the managed funds to sell down. But once the buy order's put in, it sort of locks in the price on that trade day of what it is. So if you're worried about it sort of continually going down from there, generally, once the trade order's placed, it will sell for that traded price at the end of that day. And then with the managed funds that take a little bit longer from the exchange traded funds you do have, it might be a little bit quicker. But in saying that as well, a key portion of your portfolio is staying with the S and P 500, which means that you're not selling that, so you wouldn't have that out of the market.\n\nExcuse me. So it would only be the ones that are changing there. That would be sort of the ones that are selling and buying, and the bet along would probably take the most around sort of that week and a half to two weeks to be able to sort of sell to cash and then sort of be implemented as a new buyer, if that makes sense. Let me just double check-in. As I said, like, you can have a six month catch up.\n\nGiven that everything is happening, even with the change, there's a chance, like, with everything going on that it still might be a bit stagnant in terms of what's happening in the markets in that six months' time. But you can definitely get booked in for a six month catch up just to review it and see how it's going and see how that compares to the market and things like that and see how you feel about it. Yep. And that can be the same moving forward. You can go for sort of six month catch ups or sort of the the quarterly.\n\nObviously, with in regards to Super, it is a bit of a long term game. So at least six months, yeah, you get a little bit more peace of mind even if it is just a conversation versus, like, each twelve months at year review. And then sort of you can be a little bit more on top of, like, world events and things like that and how you feel about it and just expressing that and some changes and things like that as well. Yep. And regards to the wills and as power of attorney, obviously, that's quite straightforward in terms of, like, seeking the advice of a a lawyer or services of a lawyer to establish a will and a power of attorney to be able to to set up those estate planning measures.\n\nSo we put that in there just as a reminder that you don't have those in place. Now as far as the fees, there will be that 1.65%, which is around the $1,400 mark in terms of a yearly fee. Now that's considering balance and growth. So if the market stay a little bit more stagnant, it means you also get charged a little bit less in regards to that fee. If they tick back up and it goes up a little bit more, then the percentage is based off the current balance at that month time charged across, like, a twelve month period.\n\nSo it may increase a little bit with that if they were to return. But that's just to give you a rough idea of what that may look like over that twelve months. With your ongoing service agreement and things like that as well, Lisa, it's not a lock in contract either. So in saying that, if you do can't see any review sign and then sort of, you know, a few months from that, wanna look at kind of changing there as well, it also means that you can look at just opting out of the service. It's not locked in.\n\nIt doesn't try and keep you hostage if you were to sort of wanna make the change to that peace of mind. So obviously, you don't ever get back the the lock in from that. As in, like, you've paid your fees up until then. You paid your upfront cost there. So that isn't sort of returned.\n\nBut in saying that, there's no sort of exit fee or things like that as well. It just sort of ceases at the time you were sort of willing to seize. Yep. And then with that, if you were to be happy as well, given that we sort of did go through a bit of a review there, it's sort of due for your annual review around the fourth as well. So we can, if you were to sign everything, just organize an ongoing service agreement and then just review in six months to see if you were still happy to stay on board and then just go from there.\n\nIf you're happy with that. Not a problem at all, Lisa. Obviously, there is a lot of information there and a lot of sort of, you know, the advantages, disadvantages, things like that, which, unfortunately, I don't have the the time for just given to the time for my next booking there. But feel free to have a read through of that. If you have any questions, feel free to I'll shoot in your quick email after this that you can respond to with any questions, or you can just respond to that link that we've got going or the chain that we've got going with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have.\n\nBut otherwise, have a bit of a read through, see if you're happy with it, but it is quite simple in terms of it is just that investment update there. And then all those investments are listed in that appendix for you to have a look at. No problem. Do you have any other questions in regards to the advice piece there today, Lisa? Yeah.\n\nIt can be a lot like, a lot of words coming coming out here. So the tape yeah. So the main table there is probably on that fifteen, sixteen with the buyers and the sales of what you're actually getting rid of worth what you're getting. So have a look at that, make sure you're sort of happy with where you're sort of going in regards to your exposures. As far as the allocations, you will have slightly more in growth assets versus the defensive, but you'll also be reducing your manager risk there as well.\n\nSo when tracking the markets, you do have a lot less volatility and a lot less risk in regards to what's happening versus relying on those fund managers to be making those right decisions as well. So within regards to that, there is an investment committee that does monitor. There within regards to certain events, like with COVID, they did remove and sort of put people to cash in that sort of time frame to be able to sort of mitigate the dip because they expect it to go long term and be quite a significant dip. But that's quite a rare, like, change. Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to retire at the age of 67.\n\nSo within things like the GSE, if you were to sort of try and sell out and buy in, you sort of run the risk of that market timing. Whereas if you just held the investment and sort of kept contributing, you're buying still at that dip time. And as it recovers, your superannuation recovers with that, and you just sort of ride it out versus trying to do that that day trading and do the buys and the sells and try and time the market because it is quite a hard game to time the market, and you sort of can be left out to dry if you sort of don't time it correctly and miss the boat. No. If you decided to if you hit 60 and decided to just stop work, you could just take it all and and run, basically, and sort of you wouldn't be able to get any government assistance until the age of sort of 67 if you're eligible for it, given your assets and things like that or income tests.\n\nBeen saying that, yeah, you can sort of at 60 still meet a conditional release and take it out. Saying that to if you're 60 and still working, you can do a transition to retirement where you can access up to 10% per annum to be able to sort of fund additional sort of holidays, living expenses, or you can look at rate contribution studies, drawing down tax free and adding, like, your pretax dollars through salary sacrifice to sort of help bolster up your super a little bit leading into retirement as well. So that's something you can think about in the next sort of five years if you wanna sort of do that strategy because you're already salary sacrificing. It might be sort of worth looking at that. Given your income, it might not mean that you have to salary sacrifice much more to be able to do that sort of drawdown switch to be able to save a little bit on tax.\n\nDoes that make sense? Yep. But as you said, any any questions once you go for a little bit of a a look through that, feel free to, like, give us a a message there, and I'll try and organize a time. If not, I'll try and respond via the email to give you a bit of insight into what you may be inquiring about. Not a problem at all, Lisa.\n\nAnd, yeah, once that's signed, I'll be sort of I'll put a note on here to action yours quite quickly if you were happy with everything as well. Try and keep it moving. Yeah. Not a problem. But anything else, Lisa, feel free to reach out.\n\nOtherwise, I'll let you get back to your afternoon. Enjoy the right time. Thank you. Bye now.","paragraphs":[{"sentences":[{"text":"Hi, Lisa.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.2247752919793129},{"text":"Thanks for calling back.","start":2.48,"end":3.6999998,"sentiment":"positive","sentiment_score":0.5537230670452118},{"text":"Yeah.","start":12.175,"end":12.495,"sentiment":"neutral","sentiment_score":-0.2574458122253418},{"text":"It just went straight to MessageBank both times, so I'm unsure as to why.","start":12.495,"end":16.355,"sentiment":"neutral","sentiment_score":-0.2969349558864321},{"text":"No.","start":25.310001,"end":25.550001,"sentiment":"neutral","sentiment_score":0.03956785053014755}],"sentiment":"neutral","sentiment_score":-0.0777511132711714,"num_words":22,"start":1.8399999,"end":25.550001},{"sentences":[{"text":"That's perfectly fine, Elisa.","start":25.550001,"end":27.01,"sentiment":"neutral","sentiment_score":0.31094545125961304},{"text":"So I understand you did change address there from what they told me there as well.","start":27.710001,"end":32.93,"sentiment":"neutral","sentiment_score":0.07154293521307409},{"text":"Was that so it's 5 Arthur Street.","start":33.39,"end":36.190002,"sentiment":"neutral","sentiment_score":0.027639188936778476},{"text":"Is that correct?","start":36.190002,"end":36.975,"sentiment":"neutral","sentiment_score":0.03878098105390867},{"text":"Okay.","start":47.295,"end":47.695,"sentiment":"neutral","sentiment_score":0.1146630272269249}],"sentiment":"neutral","sentiment_score":0.0907402923030238,"num_words":31,"start":25.550001,"end":47.695},{"sentences":[{"text":"Not a problem.","start":47.695,"end":48.594997,"sentiment":"neutral","sentiment_score":0.21465576191743216},{"text":"I'll just make sure that's updated in the workbook as well.","start":48.894997,"end":51.24,"sentiment":"neutral","sentiment_score":0.21083106913349844},{"text":"With that, I'll get the the team there to update that on your account just so that reflects.","start":52.04,"end":58.04,"sentiment":"neutral","sentiment_score":0.1898001804947853},{"text":"And then with the advice piece, it doesn't actually list your your current address, so that's fine in terms of your details.","start":58.04,"end":63.660004,"sentiment":"neutral","sentiment_score":0.05593478256328539},{"text":"Now with the advice piece there, Lisa, I'll just be sending that to your your current email, which would be lisa.wild355@gmail.com.","start":65.314995,"end":76.295,"sentiment":"neutral","sentiment_score":0.08439966787894566}],"sentiment":"neutral","sentiment_score":0.12509960715969404,"num_words":75,"start":47.695,"end":76.295},{"sentences":[{"text":"Perfect.","start":78.369995,"end":78.869995,"sentiment":"neutral","sentiment_score":0.3002057671546936},{"text":"There I know in regards to what we discussed, it was mainly just in regards to looking at the investment update.","start":79.09,"end":84.31,"sentiment":"neutral","sentiment_score":0.0699337903587591},{"text":"So we'll send that through.","start":84.369995,"end":85.329994,"sentiment":"neutral","sentiment_score":0.08003699630498887},{"text":"Obviously, you're driving, so you can't have a look at it at the moment.","start":85.329994,"end":88.07,"sentiment":"neutral","sentiment_score":-0.049752257631293366},{"text":"But Yeah.","start":88.689995,"end":94.345,"sentiment":"neutral","sentiment_score":0.020090091973543167}],"sentiment":"neutral","sentiment_score":0.03517788193773392,"num_words":43,"start":78.369995,"end":94.345},{"sentences":[{"text":"Okay.","start":94.345,"end":94.845,"sentiment":"neutral","sentiment_score":0.05171327292919159},{"text":"No problem.","start":94.905,"end":95.565,"sentiment":"neutral","sentiment_score":0.08207012712955475},{"text":"Yeah.","start":99.625,"end":99.945,"sentiment":"neutral","sentiment_score":0.02462216094136238},{"text":"It should come up there shortly.","start":99.945,"end":101.565,"sentiment":"neutral","sentiment_score":-0.0012128933643301332},{"text":"Yep.","start":108.07,"end":108.23,"sentiment":"neutral","sentiment_score":-0.01618114672601223}],"sentiment":"neutral","sentiment_score":0.01972883465615186,"num_words":11,"start":94.345,"end":108.23},{"sentences":[{"text":"No.","start":108.23,"end":108.47,"sentiment":"neutral","sentiment_score":-0.05788859724998474},{"text":"That's fine.","start":108.47,"end":109.29,"sentiment":"neutral","sentiment_score":-0.027257520705461502},{"text":"Yep.","start":117.685,"end":118.005,"sentiment":"neutral","sentiment_score":0.04697449132800102},{"text":"Still here.","start":118.005,"end":118.745,"sentiment":"neutral","sentiment_score":0.05206611379981041},{"text":"Perfect.","start":121.605,"end":122.105,"sentiment":"neutral","sentiment_score":0.22969239950180056}],"sentiment":"neutral","sentiment_score":0.03834221139550209,"num_words":7,"start":108.23,"end":122.105},{"sentences":[{"text":"It'll be via Odoo, so it's a bit of a different signing service to what you've used probably previously.","start":126.18,"end":130.6,"sentiment":"neutral","sentiment_score":0.1336620818627508},{"text":"And then with that, you'll have the attachments there as well as the signable link if you were happy to go ahead with the recommendation.","start":132.66,"end":139.16,"sentiment":"neutral","sentiment_score":0.2428487014770508},{"text":"Now, obviously, I know you were a little bit concerned about, obviously, what has happened previously, and I explained what I could do for you, which was look at the investments there and look at an update there for you.","start":139.38,"end":150.015,"sentiment":"neutral","sentiment_score":0.06367649752646684},{"text":"In the appendix as well there, Lisa, I have chucked in there a comparison to Australian Super to have a look at, in terms of comparisons, if you were, in that fund.","start":150.235,"end":162.29,"sentiment":"neutral","sentiment_score":0.016702802968211472},{"text":"Now within that one there, it's a little bit, different in terms of, like, the asset allocations.","start":162.29,"end":168.955,"sentiment":"neutral","sentiment_score":-0.02128014636828619}],"sentiment":"neutral","sentiment_score":0.08519236240676023,"num_words":133,"start":126.18,"end":168.955},{"sentences":[{"text":"Now when we did compare the Australian Super to the growth portfolio, and currently, it just worked out that the Australian Super high growth was more in line with sort of the growth portfolio that you're currently in and then sort of what we'd be recommending in line with sort of Okview's in investment philosophy there.","start":169.175,"end":185.40001,"sentiment":"neutral","sentiment_score":0.16620863185796356},{"text":"It's what's a growth portfolio.","start":185.40001,"end":186.86,"sentiment":"neutral","sentiment_score":0.1491856336593628},{"text":"Now with that, it compares for that like for like in the appendix that I'm referring to your current versus the recommend sort of what your Australian super would be.","start":187.64,"end":196.76001,"sentiment":"neutral","sentiment_score":0.08249781914055347},{"text":"So current situation to an Australian super high growth fund, where typically, the the general default is around a growth.","start":196.76001,"end":205.97499,"sentiment":"neutral","sentiment_score":-0.03739192895591259},{"text":"So if you were to go to Australian super and get just the default Australian super, it's important to sorta evaluate your risk and what sort of level of exposure you would have.","start":205.97499,"end":213.95001,"sentiment":"neutral","sentiment_score":-0.12413145488861835}],"sentiment":"neutral","sentiment_score":0.053363677334143884,"num_words":144,"start":169.175,"end":213.95001},{"sentences":[{"text":"And then that sorta shows you the cost of that.","start":214.25,"end":216.67001,"sentiment":"neutral","sentiment_score":-0.055908745527267455},{"text":"Now within regards to performance, it was performing slightly worse over a five year period, but in saying that you got a Canon to adviser fees.","start":216.81001,"end":224.085,"sentiment":"negative","sentiment_score":-0.3435592668560835},{"text":"So given your current situation versus being an Australian super, it'd be sort of, like, on par or maybe sort of depending like, obviously, your portfolio and the times you've been invested, this is based on rolling average figures might be sort of better off in one or the other versus the recommended that we are recommending with the updated portfolio.","start":224.24501,"end":242.23001,"sentiment":"neutral","sentiment_score":0.0359789826411021},{"text":"It works out that the performance historically has been a bit better in terms of the the rolling averages there, around 13% versus, like, a 9% for the Australian super.","start":242.69,"end":253.59,"sentiment":"positive","sentiment_score":0.42338038484255475},{"text":"And then the investment cost is a lot more in Australian super.","start":253.905,"end":257.425,"sentiment":"neutral","sentiment_score":0.053302738815546036}],"sentiment":"neutral","sentiment_score":0.043482978119709186,"num_words":139,"start":214.25,"end":257.425},{"sentences":[{"text":"And then, obviously, still the adviser fee is higher, but then you also do have access to the other services here, Oakview Financial, as a part of, like, the ongoing fee.","start":257.425,"end":266.065,"sentiment":"neutral","sentiment_score":0.12467270801144262},{"text":"It's not just the management cost that's included with that one.","start":266.065,"end":268.83,"sentiment":"neutral","sentiment_score":0.1020083562894301},{"text":"And then you'll also be able to see in the appendix the recommended investments there and that I'm recommending as a part of your portfolio update.","start":268.99,"end":276.53,"sentiment":"neutral","sentiment_score":0.18183241211451018},{"text":"So that is the appendix.","start":276.83,"end":277.94998,"sentiment":"neutral","sentiment_score":0.10415406823158264},{"text":"I thought I'd just mention that first just because there are those comparisons to Australian Super for you because I know that's the fund you were sort of considering.","start":277.94998,"end":284.12997,"sentiment":"neutral","sentiment_score":0.174853359573874}],"sentiment":"neutral","sentiment_score":0.1500598661893723,"num_words":102,"start":257.425,"end":284.12997},{"sentences":[{"text":"As far as the advice piece itself, can you see the that email now there with the statement of advice?","start":286.015,"end":290.995,"sentiment":"neutral","sentiment_score":0.014834346156567335},{"text":"Yeah.","start":296.095,"end":296.33502,"sentiment":"neutral","sentiment_score":-0.02864190004765987},{"text":"No.","start":296.33502,"end":296.495,"sentiment":"neutral","sentiment_score":-0.07465977966785431},{"text":"That's fine.","start":296.495,"end":297.33002,"sentiment":"neutral","sentiment_score":-0.013227490242570639},{"text":"Did you click under the statement of advice, or did you go to the appendix there?","start":297.33002,"end":301.03,"sentiment":"neutral","sentiment_score":-0.024052942055277526}],"sentiment":"neutral","sentiment_score":-0.00544792024884373,"num_words":40,"start":286.015,"end":301.03},{"sentences":[{"text":"Okay.","start":303.33002,"end":303.73,"sentiment":"neutral","sentiment_score":-0.02422417141497135},{"text":"No.","start":303.73,"end":303.97,"sentiment":"neutral","sentiment_score":-0.07789088785648346},{"text":"That's that's fine.","start":303.97,"end":305.11002,"sentiment":"neutral","sentiment_score":-0.049708244701226555},{"text":"Yeah.","start":312.705,"end":313.10498,"sentiment":"neutral","sentiment_score":0.01594141498208046},{"text":"So with that one, these documents created for yourself.","start":313.10498,"end":315.585,"sentiment":"neutral","sentiment_score":-0.00040190832482443913}],"sentiment":"neutral","sentiment_score":-0.015927703554431596,"num_words":15,"start":303.33002,"end":315.585},{"sentences":[{"text":"Obviously, it's quite limited in the scoping because we were mainly looking just at the investment side of things, and I thought I'd just mention they're the estate planning side of things just because I know you didn't have all your estate planning matters in place.","start":315.585,"end":328.92,"sentiment":"neutral","sentiment_score":-0.052642340771853924},{"text":"Just as a reminder there in regards to wills and estate and, like, power of attorney.","start":329.14,"end":333.16,"sentiment":"neutral","sentiment_score":0.026515760691836476},{"text":"As far as superannuation, it's quite clear on why you wanted that reviewed given what happened with Ben Long.","start":333.7,"end":338.67502,"sentiment":"neutral","sentiment_score":0.01115340189273028},{"text":"You had quite a high allocation to that.","start":338.67502,"end":340.595,"sentiment":"neutral","sentiment_score":0.04369994904845953},{"text":"Now, obviously, I wasn't the adviser that did that for you.","start":340.595,"end":342.83502,"sentiment":"neutral","sentiment_score":0.0056588076139715586}],"sentiment":"neutral","sentiment_score":-0.013735343923326582,"num_words":100,"start":315.585,"end":342.83502},{"sentences":[{"text":"So it's sort of the first time we've spoken.","start":342.83502,"end":344.61502,"sentiment":"neutral","sentiment_score":0.07529511509670152},{"text":"So within regards to that, looking at adjusting that and making sure moving forward, that wouldn't be an issue as to sort of what happened previously.","start":345.475,"end":354.06,"sentiment":"neutral","sentiment_score":0.08129689340981153},{"text":"Obviously, I can't say too much about what your discussions you have with your adviser and that level of risk on taking on those managed funds and having that active portion and that allocation to that.","start":354.36002,"end":363.435,"sentiment":"neutral","sentiment_score":-0.1530328488184346},{"text":"I can sort of only do going forward.","start":363.835,"end":365.915,"sentiment":"positive","sentiment_score":0.34334175288677216},{"text":"And then sort of if you feel going from this that you still wanna sort of part ways, that's more than fine.","start":365.915,"end":369.995,"sentiment":"positive","sentiment_score":0.374977976761081}],"sentiment":"neutral","sentiment_score":0.08196477444455175,"num_words":101,"start":342.83502,"end":369.995},{"sentences":[{"text":"You don't have to dodge the calls.","start":369.995,"end":371.355,"sentiment":"neutral","sentiment_score":0.2673162030322211},{"text":"We'll still assist you on that journey there as well, Lisa.","start":371.355,"end":373.675,"sentiment":"positive","sentiment_score":0.5806054391644218},{"text":"But, obviously, this advice updates to hopefully put you in a better position based on if you were to stay here at Financial.","start":373.675,"end":383.19,"sentiment":"neutral","sentiment_score":0.27864635266039683},{"text":"Yep.","start":383.33,"end":383.83,"sentiment":"neutral","sentiment_score":0.060869552195072174},{"text":"As far as limited scoping, it touches on the salary sacrifice being included, but not making any changes because, obviously, you don't want to look at that at this time.","start":385.09,"end":392.355,"sentiment":"neutral","sentiment_score":-0.16696142069995404}],"sentiment":"neutral","sentiment_score":0.13498286520027453,"num_words":72,"start":369.995,"end":392.355},{"sentences":[{"text":"As far as not having insurances, we're not reviewing that because you didn't want to at the moment.","start":392.67502,"end":396.515,"sentiment":"neutral","sentiment_score":-0.2619868421720134},{"text":"Same with the budgeting and debt management.","start":396.515,"end":398.295,"sentiment":"neutral","sentiment_score":-0.049296041684491296},{"text":"You're happy sort of with your own budget at the moment and managing your own debt with that consolidation with the new property per purchase and paying down that debt to, like, your retirement.","start":398.99503,"end":408.135,"sentiment":"positive","sentiment_score":0.41867098124588237},{"text":"As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you.","start":410.46,"end":429.565,"sentiment":"neutral","sentiment_score":0.09492544468605157},{"text":"Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those up.","start":429.565,"end":436.4,"sentiment":"neutral","sentiment_score":0.012794279742852918}],"sentiment":"neutral","sentiment_score":0.10325030780099088,"num_words":153,"start":392.67502,"end":436.4},{"sentences":[{"text":"We can obviously just make the recommendation that you implement those.","start":436.4,"end":439.06,"sentiment":"neutral","sentiment_score":0.25259228321638977},{"text":"So that's fine.","start":439.19998,"end":440.1,"sentiment":"positive","sentiment_score":0.344753493865331},{"text":"As far as your details, that'll be on page eight and nine in terms of your current situation and balance.","start":440.24,"end":444.58,"sentiment":"neutral","sentiment_score":0.14661171101033688},{"text":"So please feel free to have a look over those and make sure they are all correct.","start":446.16,"end":449.44,"sentiment":"neutral","sentiment_score":0.2905811404480654},{"text":"But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile.","start":449.44,"end":454.875,"sentiment":"neutral","sentiment_score":0.11922428011894226}],"sentiment":"neutral","sentiment_score":0.1939502923687299,"num_words":75,"start":436.4,"end":454.875},{"sentences":[{"text":"So for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth portfolio.","start":454.875,"end":462.01498,"sentiment":"neutral","sentiment_score":0.2283227676153183},{"text":"Now as far as the investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table.","start":463.12997,"end":472.18997,"sentiment":"neutral","sentiment_score":0.14286176800727846},{"text":"Now this is skipping over the recommendation a little bit, but it'll go over the buyers and the sales there of we're recommending.","start":472.49,"end":478.365,"sentiment":"neutral","sentiment_score":0.08214313050974971},{"text":"Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific.","start":478.665,"end":486.345,"sentiment":"neutral","sentiment_score":-0.02337272865352807},{"text":"So it can sort of, over the longer term period, see a lot more volatility with what is occurring.","start":486.345,"end":491.27,"sentiment":"neutral","sentiment_score":-0.19614817358945547}],"sentiment":"neutral","sentiment_score":0.057235516138186976,"num_words":119,"start":454.875,"end":491.27},{"sentences":[{"text":"The bank hybrids are being phased out, so that's why we're recommending getting rid of those.","start":491.57,"end":495.27,"sentiment":"neutral","sentiment_score":-0.27487048227339983},{"text":"As far as the gold and the cybersecurity side of things, we're looking at keeping a portion in that for you.","start":495.81,"end":501.35,"sentiment":"neutral","sentiment_score":0.011125104235751287},{"text":"Now as far as the the Benelung itself, because it is an Australian equities and is that managed fund and, obviously, what did occur with it, we're recommending you remove that.","start":502.765,"end":509.98502,"sentiment":"neutral","sentiment_score":-0.15448333899821004},{"text":"You'd crystallize the losses, but then you can use those forwards for those investment changes to ensure that you're not paying capital gains moving forward for that loss and the changes in your investment.","start":510.605,"end":519.62,"sentiment":"neutral","sentiment_score":-0.09809060948079124},{"text":"And then you would have the beta shares Australian 200, which is an Australian index, the top 200 companies there.","start":519.92004,"end":525.60004,"sentiment":"neutral","sentiment_score":0.15483702700585128}],"sentiment":"neutral","sentiment_score":-0.0753411821196558,"num_words":122,"start":491.57,"end":525.60004},{"sentences":[{"text":"That means you have a nice exposure in Australia still, but it's in the market index.","start":525.60004,"end":529.52,"sentiment":"neutral","sentiment_score":0.19000550496275537},{"text":"You don't have that manager risk.","start":529.52,"end":530.88,"sentiment":"neutral","sentiment_score":-0.30467742681503296},{"text":"You don't have that market volatility as much to the extent that someone's picking and choosing.","start":530.88,"end":536.475,"sentiment":"neutral","sentiment_score":-0.18561528576537967},{"text":"It's just what the markets are doing.","start":536.475,"end":537.835,"sentiment":"neutral","sentiment_score":0.008196493610739708},{"text":"Obviously, at the moment, the markets are a bit down with what's happening in the wall, but that's sort of everywhere across the board.","start":537.835,"end":543.035,"sentiment":"neutral","sentiment_score":-0.09232871692317228}],"sentiment":"neutral","sentiment_score":-0.05675847542917599,"num_words":69,"start":525.60004,"end":543.035},{"sentences":[{"text":"That's what the market's doing.","start":543.035,"end":544.395,"sentiment":"neutral","sentiment_score":0.09281189143657684},{"text":"So when you move from the actively managed sort of funds towards a more passive index approach, it means that you're just tracking what the market's doing.","start":544.395,"end":551.64996,"sentiment":"neutral","sentiment_score":0.11585657602107083},{"text":"You're not trying to outperform it.","start":551.64996,"end":552.85,"sentiment":"neutral","sentiment_score":-0.049142736941576004},{"text":"You're just trying to follow it.","start":552.85,"end":554.13,"sentiment":"neutral","sentiment_score":0.07382626831531525},{"text":"Now with everything that is occurring, that sort of might be a little bit stagnant at least for the next few months while that war is occurring.","start":554.13,"end":559.91,"sentiment":"neutral","sentiment_score":-0.26712982908443167}],"sentiment":"neutral","sentiment_score":-0.048904467426555256,"num_words":71,"start":543.035,"end":559.91},{"sentences":[{"text":"But over a sustained long term period of time, it means that you get that growth of what the markets are doing over a longer period of time without the risk of trying to pick and choose winners, what sort of went wrong there with with Benelon, if that makes sense.","start":560.44995,"end":573.69,"sentiment":"neutral","sentiment_score":0.16805862945814928},{"text":"Then you'll still have a nice amount of exposure outside The US and Australia with Japan there and then Vanguard or World.","start":574.89,"end":581.63,"sentiment":"neutral","sentiment_score":0.193771977993575},{"text":"And then you'll have a nice defensive portion there in the iShares composite bond, which is a bit of fixed interest and also some debt to be able to sort of be a bit more of a defensive portion of your portfolio.","start":582.25,"end":592.015,"sentiment":"neutral","sentiment_score":0.22047294569867},{"text":"Do you have any questions in regards to that sort of investment change there at all?","start":595.275,"end":600.33,"sentiment":"neutral","sentiment_score":0.037225552601739764},{"text":"Yeah.","start":612.25,"end":612.65,"sentiment":"neutral","sentiment_score":-0.07855550944805145}],"sentiment":"neutral","sentiment_score":0.1712946262859711,"num_words":132,"start":560.44995,"end":612.65},{"sentences":[{"text":"No.","start":612.65,"end":612.89,"sentiment":"neutral","sentiment_score":-0.2256535291671753},{"text":"Obviously, like, the rest of your portfolio wasn't horrendous in the sense that, like, the other assets weren't performing too well.","start":612.89,"end":618.695,"sentiment":"neutral","sentiment_score":-0.27713951539425624},{"text":"It's mainly because you had such a high allocation to that Benelong Australian Equities Fund.","start":618.695,"end":624.235,"sentiment":"neutral","sentiment_score":0.004804954926172891},{"text":"And in a dollar figure, because it is a smaller balance, like you said, in terms of a dollar figure, you haven't lost, like, a crazy amount considered, like, what did occur.","start":625.255,"end":633.87,"sentiment":"neutral","sentiment_score":-0.10712639265693724},{"text":"It's only around the 4,500 that Benelon did sort of lose as a investment amount.","start":633.87,"end":638.29,"sentiment":"neutral","sentiment_score":-0.167622143526872}],"sentiment":"neutral","sentiment_score":-0.141855782696179,"num_words":84,"start":612.65,"end":638.29},{"sentences":[{"text":"The rest of your portfolio obviously was tracking sort of alright at least for the last year until that point.","start":638.91,"end":644.69495,"sentiment":"neutral","sentiment_score":0.17438889034092425},{"text":"Obviously, you know, the back end of COVID, there was a bit of a dip and things like that in the tariff talk at the start of the year.","start":645.315,"end":650.13495,"sentiment":"neutral","sentiment_score":-0.030263245105743408},{"text":"But, hopefully, with this, you won't have that manager risk moving forward, and then it'll just sort of track what the market's doing.","start":650.435,"end":655.71497,"sentiment":"neutral","sentiment_score":0.1365202062803766},{"text":"Now as I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone until that was the sort of stop and they do recover.","start":655.71497,"end":669.32996,"sentiment":"neutral","sentiment_score":-0.17403206172979102},{"text":"So we are still on a bit of that dip phase.","start":669.32996,"end":671.35,"sentiment":"neutral","sentiment_score":-0.21247365257956766}],"sentiment":"neutral","sentiment_score":-0.04272647799157044,"num_words":136,"start":638.91,"end":671.35},{"sentences":[{"text":"The risk we're sort of selling and buying in that phase is obviously it can be a bit more volatile as well in terms of, like, the market jumps and dips.","start":671.685,"end":677.945,"sentiment":"negative","sentiment_score":-0.348575716537814},{"text":"So if you were to sort of take on the investment recommendation selling to cash for those investments, there is a chance in that time frame too that the markets either go up or down.","start":678.165,"end":687.7,"sentiment":"neutral","sentiment_score":-0.2002314982669694},{"text":"Now if they go up, it means you might lose a bit in terms of you sold a bit lower and bought a bit higher.","start":687.7,"end":691.94,"sentiment":"neutral","sentiment_score":-0.29406435072422027},{"text":"But if it goes down, it obviously works the other way.","start":691.94,"end":694.26,"sentiment":"neutral","sentiment_score":-0.245860293507576},{"text":"That's just something to be mindful of.","start":694.26,"end":695.7,"sentiment":"neutral","sentiment_score":-0.12976468673774175}],"sentiment":"neutral","sentiment_score":-0.2640217839988,"num_words":109,"start":671.685,"end":695.7},{"sentences":[{"text":"But over a longer term time, it's sort of a little bit negligible.","start":695.7,"end":698.76,"sentiment":"neutral","sentiment_score":-0.25455530331684995},{"text":"We did also consider there for you, as I said, moving you to Australian super in terms of that, but you would pay the total capital gains cost if you were to sort of sell down fully and move out.","start":700.895,"end":712.44,"sentiment":"neutral","sentiment_score":-0.1612811854109168},{"text":"You also just have less access to visibility reporting features of the platform that you could take advantage of under Hub 20 four, and then you also wouldn't have, as as advisers there as well.","start":713.0,"end":723.5,"sentiment":"neutral","sentiment_score":-0.04467707297631673},{"text":"And as I said, feel free to have a look through it and see if you are comfortable with it once you get home, have a good read, and sort of make a decision if you'd like to take on the investment change and say, or if you sort of feel you'd be better off off work.","start":723.8,"end":735.60504,"sentiment":"neutral","sentiment_score":0.17940058350040203},{"text":"So I don't wanna sort of press you into anything.","start":735.60504,"end":737.625,"sentiment":"neutral","sentiment_score":-0.22429940551519395}],"sentiment":"neutral","sentiment_score":-0.0215569336087473,"num_words":155,"start":695.7,"end":737.625},{"sentences":[{"text":"But, obviously okay.","start":737.92505,"end":747.86,"sentiment":"neutral","sentiment_score":0.02501766135295233},{"text":"Not a problem.","start":747.86,"end":748.5,"sentiment":"neutral","sentiment_score":0.303560346364975},{"text":"We'll at least have a a read through this afternoon if you are gonna go ahead, and then once you sort of sign, I'll initiate those trades and then that investment switch will go ahead.","start":748.5,"end":756.45496,"sentiment":"neutral","sentiment_score":0.2905200370720455},{"text":"As far as, like, the active management, as I said, we got rid of that for now.","start":757.875,"end":760.755,"sentiment":"neutral","sentiment_score":-0.08154073489062927},{"text":"It's not something you can sort of you can look at putting it back in the future.","start":760.755,"end":763.71497,"sentiment":"neutral","sentiment_score":-0.166475306977244}],"sentiment":"neutral","sentiment_score":0.0925021681189537,"num_words":75,"start":737.92505,"end":763.71497},{"sentences":[{"text":"That's fine.","start":763.71497,"end":764.195,"sentiment":"neutral","sentiment_score":0.08698630705475807},{"text":"But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side.","start":764.195,"end":769.29,"sentiment":"neutral","sentiment_score":-0.29695494861706445},{"text":"And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong.","start":769.29,"end":773.82996,"sentiment":"neutral","sentiment_score":-0.2471484946353095},{"text":"Bennelong had its own specific reasons, but, obviously, you know, with the markets, you'd have those higher risk sort of shares in those funds.","start":773.97,"end":780.605,"sentiment":"neutral","sentiment_score":-0.16674007630596557},{"text":"So when the markets do take a turn like now, they obviously do take quite a bit of a dip as well.","start":780.605,"end":785.265,"sentiment":"neutral","sentiment_score":-0.21085096590898253}],"sentiment":"neutral","sentiment_score":-0.22268035513875278,"num_words":92,"start":763.71497,"end":785.265},{"sentences":[{"text":"We also, yeah, we also did there have a look at just sort of keeping the investments and switching out the underperforming ones.","start":786.685,"end":793.725,"sentiment":"neutral","sentiment_score":0.10946989804506302},{"text":"But just with this change, it works out to be cheaper overall in terms of the cost.","start":793.725,"end":798.63,"sentiment":"neutral","sentiment_score":0.30852229290587063},{"text":"And then saving on that investment cost coupled with the fact that you do have those less risky investment sort of ETFs and have a bit more diversification across different industry and regions just means that hopefully going forward, you don't experience those sort of huge drops that you did there, if that makes sense.","start":799.17004,"end":816.845,"sentiment":"neutral","sentiment_score":0.09794583943757144},{"text":"Obviously, the risk with that one is the benefit you get the lower fees.","start":818.825,"end":822.20996,"sentiment":"neutral","sentiment_score":0.2808454441172736},{"text":"It has a better track record historically.","start":822.20996,"end":823.99,"sentiment":"positive","sentiment_score":0.48376311148915974}],"sentiment":"neutral","sentiment_score":0.176447291392833,"num_words":116,"start":786.685,"end":823.99},{"sentences":[{"text":"You get the benefits of Hub twenty four still as a retail platform.","start":824.05,"end":826.85,"sentiment":"positive","sentiment_score":0.5096644484079801},{"text":"You get our service still.","start":826.85,"end":828.23,"sentiment":"positive","sentiment_score":0.37123813629150393},{"text":"It is still that core satellite approach there.","start":828.44995,"end":830.37,"sentiment":"positive","sentiment_score":0.3628768064081669},{"text":"So hopefully moving forward, it's a little bit sort of less volatile and then sort of just that sustained longer term growth with what the markets are doing.","start":830.37,"end":839.475,"sentiment":"positive","sentiment_score":0.49138325984988895},{"text":"Obviously, the risk with investments, though, is that there isn't a guarantee that the recommended will sort of perform as in, like, the historical performance is an indicative of future performance.","start":840.09503,"end":849.33,"sentiment":"neutral","sentiment_score":-0.2841768854808423}],"sentiment":"neutral","sentiment_score":0.19216577397549853,"num_words":85,"start":824.05,"end":849.33},{"sentences":[{"text":"But based on the markets, the regions, the diversification at home, you would a 100% be saving in terms of if you stay where you were versus moving to the recommended investment and which compounds towards your growth as well, if that makes sense.","start":849.47003,"end":862.665,"sentiment":"neutral","sentiment_score":0.18674583225087685},{"text":"Yep.","start":864.565,"end":865.065,"sentiment":"neutral","sentiment_score":0.13953739404678345},{"text":"And then if sort of six, twelve months from now, if you were happy with how it was tracking and want to talk about strategies around bolstering up a little bit more with your salary sacrifice and things like that, given that your main debt's just a home and you don't really have any other debt.","start":865.445,"end":876.94,"sentiment":"neutral","sentiment_score":0.15158558996128185},{"text":"That's also some conversations you can have.","start":876.94,"end":879.12,"sentiment":"neutral","sentiment_score":0.10728783213666507},{"text":"So in terms of the trade, once it's sort of signed and then implemented there, they'll initiate the trade.","start":888.395,"end":894.17505,"sentiment":"neutral","sentiment_score":0.06029543574703367}],"sentiment":"neutral","sentiment_score":0.14757303271706648,"num_words":127,"start":849.47003,"end":894.17505},{"sentences":[{"text":"And then from that, it can take up to two weeks for the managed funds to sell down.","start":894.23505,"end":898.395,"sentiment":"neutral","sentiment_score":0.02053981398542722},{"text":"But once the buy order's put in, it sort of locks in the price on that trade day of what it is.","start":898.395,"end":903.59,"sentiment":"neutral","sentiment_score":-0.0014454031955789435},{"text":"So if you're worried about it sort of continually going down from there, generally, once the trade order's placed, it will sell for that traded price at the end of that day.","start":903.59,"end":911.45,"sentiment":"neutral","sentiment_score":-0.20417430019006133},{"text":"And then with the managed funds that take a little bit longer from the exchange traded funds you do have, it might be a little bit quicker.","start":912.72504,"end":918.965,"sentiment":"neutral","sentiment_score":0.14143215671733575},{"text":"But in saying that as well, a key portion of your portfolio is staying with the S and P 500, which means that you're not selling that, so you wouldn't have that out of the market.","start":918.965,"end":927.77997,"sentiment":"neutral","sentiment_score":0.1940793190151453}],"sentiment":"neutral","sentiment_score":0.034147139935305826,"num_words":135,"start":894.23505,"end":927.77997},{"sentences":[{"text":"Excuse me.","start":927.77997,"end":928.68,"sentiment":"neutral","sentiment_score":-0.09375679865479469},{"text":"So it would only be the ones that are changing there.","start":929.06,"end":931.7,"sentiment":"neutral","sentiment_score":-0.08103832060640509},{"text":"That would be sort of the ones that are selling and buying, and the bet along would probably take the most around sort of that week and a half to two weeks to be able to sort of sell to cash and then sort of be implemented as a new buyer, if that makes sense.","start":931.7,"end":945.955,"sentiment":"neutral","sentiment_score":0.039157280800017444},{"text":"Let me just double check-in.","start":954.26996,"end":955.73,"sentiment":"neutral","sentiment_score":0.018008430674672126},{"text":"As I said, like, you can have a six month catch up.","start":958.82996,"end":961.31,"sentiment":"neutral","sentiment_score":0.038870301408072315}],"sentiment":"neutral","sentiment_score":0.019190601062248736,"num_words":85,"start":927.77997,"end":961.31},{"sentences":[{"text":"Given that everything is happening, even with the change, there's a chance, like, with everything going on that it still might be a bit stagnant in terms of what's happening in the markets in that six months' time.","start":961.31,"end":969.765,"sentiment":"neutral","sentiment_score":-0.10480512747246969},{"text":"But you can definitely get booked in for a six month catch up just to review it and see how it's going and see how that compares to the market and things like that and see how you feel about it.","start":969.925,"end":978.265,"sentiment":"positive","sentiment_score":0.46540498479110437},{"text":"Yep.","start":983.46,"end":983.94,"sentiment":"positive","sentiment_score":0.3634892404079437},{"text":"And that can be the same moving forward.","start":983.94,"end":985.78,"sentiment":"positive","sentiment_score":0.41133567318320274},{"text":"You can go for sort of six month catch ups or sort of the the quarterly.","start":985.78,"end":989.16003,"sentiment":"neutral","sentiment_score":0.2522707525640726}],"sentiment":"neutral","sentiment_score":0.21912996345557845,"num_words":104,"start":961.31,"end":989.16003},{"sentences":[{"text":"Obviously, with in regards to Super, it is a bit of a long term game.","start":989.46,"end":992.5,"sentiment":"neutral","sentiment_score":0.10350256413221359},{"text":"So at least six months, yeah, you get a little bit more peace of mind even if it is just a conversation versus, like, each twelve months at year review.","start":992.5,"end":999.955,"sentiment":"positive","sentiment_score":0.44543343130499125},{"text":"And then sort of you can be a little bit more on top of, like, world events and things like that and how you feel about it and just expressing that and some changes and things like that as well.","start":1000.015,"end":1007.28,"sentiment":"positive","sentiment_score":0.511518070846796},{"text":"Yep.","start":1010.24005,"end":1010.48004,"sentiment":"neutral","sentiment_score":0.184102863073349},{"text":"And regards to the wills and as power of attorney, obviously, that's quite straightforward in terms of, like, seeking the advice of a a lawyer or services of a lawyer to establish a will and a power of attorney to be able to to set up those estate planning measures.","start":1010.48004,"end":1023.69495,"sentiment":"neutral","sentiment_score":0.17031833723187448}],"sentiment":"neutral","sentiment_score":0.3240903232328813,"num_words":136,"start":989.46,"end":1023.69495},{"sentences":[{"text":"So we put that in there just as a reminder that you don't have those in place.","start":1023.69495,"end":1026.6749,"sentiment":"neutral","sentiment_score":0.02938938168260981},{"text":"Now as far as the fees, there will be that 1.65%, which is around the $1,400 mark in terms of a yearly fee.","start":1027.0549,"end":1034.115,"sentiment":"neutral","sentiment_score":0.03922614965425885},{"text":"Now that's considering balance and growth.","start":1034.255,"end":1036.67,"sentiment":"neutral","sentiment_score":0.10616426790754001},{"text":"So if the market stay a little bit more stagnant, it means you also get charged a little bit less in regards to that fee.","start":1036.67,"end":1041.23,"sentiment":"neutral","sentiment_score":0.027219079583883286},{"text":"If they tick back up and it goes up a little bit more, then the percentage is based off the current balance at that month time charged across, like, a twelve month period.","start":1041.23,"end":1049.055,"sentiment":"neutral","sentiment_score":0.09381429004398259}],"sentiment":"neutral","sentiment_score":0.0559149528764045,"num_words":104,"start":1023.69495,"end":1049.055},{"sentences":[{"text":"So it may increase a little bit with that if they were to return.","start":1049.295,"end":1052.1151,"sentiment":"neutral","sentiment_score":0.00804300153894084},{"text":"But that's just to give you a rough idea of what that may look like over that twelve months.","start":1052.655,"end":1056.3551,"sentiment":"neutral","sentiment_score":0.057419770152160994},{"text":"With your ongoing service agreement and things like that as well, Lisa, it's not a lock in contract either.","start":1058.0951,"end":1063.3201,"sentiment":"neutral","sentiment_score":0.03575215606313003},{"text":"So in saying that, if you do can't see any review sign and then sort of, you know, a few months from that, wanna look at kind of changing there as well, it also means that you can look at just opting out of the service.","start":1063.3201,"end":1076.965,"sentiment":"neutral","sentiment_score":0.06259603701207948},{"text":"It's not locked in.","start":1076.965,"end":1077.605,"sentiment":"neutral","sentiment_score":0.13383069075644016}],"sentiment":"neutral","sentiment_score":0.05193734397271685,"num_words":102,"start":1049.295,"end":1077.605},{"sentences":[{"text":"It doesn't try and keep you hostage if you were to sort of wanna make the change to that peace of mind.","start":1077.605,"end":1082.665,"sentiment":"neutral","sentiment_score":0.20318603989752856},{"text":"So obviously, you don't ever get back the the lock in from that.","start":1086.565,"end":1091.47,"sentiment":"neutral","sentiment_score":-0.04683032245017015},{"text":"As in, like, you've paid your fees up until then.","start":1092.1699,"end":1095.21,"sentiment":"neutral","sentiment_score":0.0014506319537758825},{"text":"You paid your upfront cost there.","start":1095.21,"end":1097.07,"sentiment":"neutral","sentiment_score":0.0005576548477013906},{"text":"So that isn't sort of returned.","start":1097.1299,"end":1098.57,"sentiment":"neutral","sentiment_score":-0.023895435345669586}],"sentiment":"neutral","sentiment_score":0.06553997056918186,"num_words":57,"start":1077.605,"end":1098.57},{"sentences":[{"text":"But in saying that, there's no sort of exit fee or things like that as well.","start":1098.57,"end":1101.45,"sentiment":"neutral","sentiment_score":0.019978729775175452},{"text":"It just sort of ceases at the time you were sort of willing to seize.","start":1101.45,"end":1104.35,"sentiment":"neutral","sentiment_score":-0.024098732074101768},{"text":"Yep.","start":1106.535,"end":1107.035,"sentiment":"neutral","sentiment_score":0.29166269302368164},{"text":"And then with that, if you were to be happy as well, given that we sort of did go through a bit of a review there, it's sort of due for your annual review around the fourth as well.","start":1107.175,"end":1116.555,"sentiment":"positive","sentiment_score":0.49167691209377384},{"text":"So we can, if you were to sign everything, just organize an ongoing service agreement and then just review in six months to see if you were still happy to stay on board and then just go from there.","start":1117.5,"end":1127.04,"sentiment":"positive","sentiment_score":0.3628071286739447}],"sentiment":"neutral","sentiment_score":0.30522471798414536,"num_words":110,"start":1098.57,"end":1127.04},{"sentences":[{"text":"If you're happy with that.","start":1128.54,"end":1129.935,"sentiment":"positive","sentiment_score":0.5372745871543885},{"text":"Not a problem at all, Lisa.","start":1131.935,"end":1133.395,"sentiment":"neutral","sentiment_score":0.18272716055313745},{"text":"Obviously, there is a lot of information there and a lot of sort of, you know, the advantages, disadvantages, things like that, which, unfortunately, I don't have the the time for just given to the time for my next booking there.","start":1133.6951,"end":1144.8151,"sentiment":"neutral","sentiment_score":-0.12949787589108072},{"text":"But feel free to have a read through of that.","start":1144.8151,"end":1146.71,"sentiment":"neutral","sentiment_score":0.07387461885809898},{"text":"If you have any questions, feel free to I'll shoot in your quick email after this that you can respond to with any questions, or you can just respond to that link that we've got going or the chain that we've got going with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have.","start":1146.71,"end":1163.385,"sentiment":"neutral","sentiment_score":0.15420151862960596}],"sentiment":"neutral","sentiment_score":0.07271785737843964,"num_words":127,"start":1128.54,"end":1163.385},{"sentences":[{"text":"But otherwise, have a bit of a read through, see if you're happy with it, but it is quite simple in terms of it is just that investment update there.","start":1163.605,"end":1170.0249,"sentiment":"neutral","sentiment_score":0.2991233433286349},{"text":"And then all those investments are listed in that appendix for you to have a look at.","start":1170.6799,"end":1174.78,"sentiment":"neutral","sentiment_score":0.1794801661196877},{"text":"No problem.","start":1177.24,"end":1177.72,"sentiment":"neutral","sentiment_score":0.22333969175815582},{"text":"Do you have any other questions in regards to the advice piece there today, Lisa?","start":1177.72,"end":1181.1,"sentiment":"neutral","sentiment_score":0.06528471832474073},{"text":"Yeah.","start":1196.15,"end":1196.47,"sentiment":"neutral","sentiment_score":0.05671872943639755}],"sentiment":"neutral","sentiment_score":0.20780818479565474,"num_words":65,"start":1163.605,"end":1196.47},{"sentences":[{"text":"It can be a lot like, a lot of words coming coming out here.","start":1196.47,"end":1199.43,"sentiment":"neutral","sentiment_score":-0.02418625175154635},{"text":"So the tape yeah.","start":1199.43,"end":1201.11,"sentiment":"neutral","sentiment_score":-0.02628392167389393},{"text":"So the main table there is probably on that fifteen, sixteen with the buyers and the sales of what you're actually getting rid of worth what you're getting.","start":1201.11,"end":1207.155,"sentiment":"neutral","sentiment_score":-0.09877622932461756},{"text":"So have a look at that, make sure you're sort of happy with where you're sort of going in regards to your exposures.","start":1208.035,"end":1212.2151,"sentiment":"positive","sentiment_score":0.3422326251216557},{"text":"As far as the allocations, you will have slightly more in growth assets versus the defensive, but you'll also be reducing your manager risk there as well.","start":1212.8351,"end":1220.275,"sentiment":"positive","sentiment_score":0.36964646312925553}],"sentiment":"neutral","sentiment_score":0.1525242421873069,"num_words":96,"start":1196.47,"end":1220.275},{"sentences":[{"text":"So when tracking the markets, you do have a lot less volatility and a lot less risk in regards to what's happening versus relying on those fund managers to be making those right decisions as well.","start":1220.275,"end":1229.8601,"sentiment":"neutral","sentiment_score":0.2754497089319759},{"text":"So within regards to that, there is an investment committee that does monitor.","start":1244.735,"end":1248.115,"sentiment":"neutral","sentiment_score":-0.04997965005727915},{"text":"There within regards to certain events, like with COVID, they did remove and sort of put people to cash in that sort of time frame to be able to sort of mitigate the dip because they expect it to go long term and be quite a significant dip.","start":1248.1749,"end":1261.13,"sentiment":"neutral","sentiment_score":-0.19966521936779222},{"text":"But that's quite a rare, like, change.","start":1261.75,"end":1264.495,"sentiment":"neutral","sentiment_score":-0.08397399634122849},{"text":"Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to retire at the age of 67.","start":1264.555,"end":1278.81,"sentiment":"neutral","sentiment_score":-0.07633726935988913}],"sentiment":"neutral","sentiment_score":-0.03344835728554555,"num_words":164,"start":1220.275,"end":1278.81},{"sentences":[{"text":"So within things like the GSE, if you were to sort of try and sell out and buy in, you sort of run the risk of that market timing.","start":1278.81,"end":1285.05,"sentiment":"neutral","sentiment_score":-0.256859400405966},{"text":"Whereas if you just held the investment and sort of kept contributing, you're buying still at that dip time.","start":1285.05,"end":1290.505,"sentiment":"neutral","sentiment_score":-0.10825456914148833},{"text":"And as it recovers, your superannuation recovers with that, and you just sort of ride it out versus trying to do that that day trading and do the buys and the sells and try and time the market because it is quite a hard game to time the market, and you sort of can be left out to dry if you sort of don't time it correctly and miss the boat.","start":1290.505,"end":1308.32,"sentiment":"neutral","sentiment_score":-0.2511532590003081},{"text":"No.","start":1314.7,"end":1314.94,"sentiment":"neutral","sentiment_score":-0.1146085262298584},{"text":"If you decided to if you hit 60 and decided to just stop work, you could just take it all and and run, basically, and sort of you wouldn't be able to get any government assistance until the age of sort of 67 if you're eligible for it, given your assets and things like that or income tests.","start":1314.94,"end":1330.495,"sentiment":"neutral","sentiment_score":-0.07509651658093107}],"sentiment":"neutral","sentiment_score":-0.17869577136183723,"num_words":178,"start":1278.81,"end":1330.495},{"sentences":[{"text":"Been saying that, yeah, you can sort of at 60 still meet a conditional release and take it out.","start":1331.0299,"end":1335.45,"sentiment":"neutral","sentiment_score":-0.057324570456617756},{"text":"Saying that to if you're 60 and still working, you can do a transition to retirement where you can access up to 10% per annum to be able to sort of fund additional sort of holidays, living expenses, or you can look at rate contribution studies, drawing down tax free and adding, like, your pretax dollars through salary sacrifice to sort of help bolster up your super a little bit leading into retirement as well.","start":1336.23,"end":1358.8451,"sentiment":"neutral","sentiment_score":0.150470219651858},{"text":"So that's something you can think about in the next sort of five years if you wanna sort of do that strategy because you're already salary sacrificing.","start":1358.8451,"end":1365.1,"sentiment":"neutral","sentiment_score":0.0530695504060498},{"text":"It might be sort of worth looking at that.","start":1365.16,"end":1367.48,"sentiment":"neutral","sentiment_score":0.03414452738232083},{"text":"Given your income, it might not mean that you have to salary sacrifice much more to be able to do that sort of drawdown switch to be able to save a little bit on tax.","start":1367.48,"end":1375.1,"sentiment":"neutral","sentiment_score":0.024424810707569123}],"sentiment":"neutral","sentiment_score":0.07752210071141069,"num_words":165,"start":1331.0299,"end":1375.1},{"sentences":[{"text":"Does that make sense?","start":1378.385,"end":1379.4451,"sentiment":"neutral","sentiment_score":0.19298481568694115},{"text":"Yep.","start":1382.145,"end":1382.645,"sentiment":"neutral","sentiment_score":0.1502067744731903},{"text":"But as you said, any any questions once you go for a little bit of a a look through that, feel free to, like, give us a a message there, and I'll try and organize a time.","start":1382.9451,"end":1392.16,"sentiment":"neutral","sentiment_score":0.09050349634442781},{"text":"If not, I'll try and respond via the email to give you a bit of insight into what you may be inquiring about.","start":1392.16,"end":1397.14,"sentiment":"neutral","sentiment_score":0.06087218038737774},{"text":"Not a problem at all, Lisa.","start":1406.575,"end":1408.115,"sentiment":"positive","sentiment_score":0.447278360525767}],"sentiment":"neutral","sentiment_score":0.11766909456378977,"num_words":71,"start":1378.385,"end":1408.115},{"sentences":[{"text":"And, yeah, once that's signed, I'll be sort of I'll put a note on here to action yours quite quickly if you were happy with everything as well.","start":1408.335,"end":1414.495,"sentiment":"positive","sentiment_score":0.38078445409025463},{"text":"Try and keep it moving.","start":1414.495,"end":1416.39,"sentiment":"positive","sentiment_score":0.5787107646465302},{"text":"Yeah.","start":1416.39,"end":1416.89,"sentiment":"neutral","sentiment_score":0.2201884388923645},{"text":"Not a problem.","start":1417.1101,"end":1417.8501,"sentiment":"neutral","sentiment_score":0.26423777143160504},{"text":"But anything else, Lisa, feel free to reach out.","start":1417.9901,"end":1419.75,"sentiment":"neutral","sentiment_score":0.16374718646208444}],"sentiment":"positive","sentiment_score":0.3487422819370809,"num_words":46,"start":1408.335,"end":1419.75},{"sentences":[{"text":"Otherwise, I'll let you get back to your afternoon.","start":1419.75,"end":1421.1101,"sentiment":"neutral","sentiment_score":0.25905151499642265},{"text":"Enjoy the right time.","start":1421.1101,"end":1422.17,"sentiment":"positive","sentiment_score":0.47841210663318634},{"text":"Thank you.","start":1424.4701,"end":1425.03,"sentiment":"positive","sentiment_score":0.6074481010437012},{"text":"Bye now.","start":1425.03,"end":1425.6901,"sentiment":"positive","sentiment_score":0.3914761394262314}],"sentiment":"positive","sentiment_score":0.36723297308473024,"num_words":17,"start":1419.75,"end":1425.6901}]}}]},{"alternatives":[{"transcript":"Hi. Sorry about that. I don't know what happened. It just anyway, I don't know why it did my phone didn't ring. Yeah. I'm in a car, so I'm not too sure. Yeah. Anyways, I've got you now. Sorry. I won't waste any more of your time. Yeah. Number so I've moved. It's Number 5 Arthur Street in Aberfeldy. Yeah. That's correct. Yep. Actually, I can pull right over. Hang on. Just give me, like, five seconds, and I'll just pull over. And you you've just emailed that through, have you? I've just gotta turn my phone off, so I'll probably lose you off Bluetooth. Sorry. Turn my car up. Yep. No worries. Alright. You there? Yeah. That's right. Sorry. Pull up the email. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Okay. Yep. I'm just trying to go through it now. Sorry. I think I've gone to the appendix. Sorry. Let me get out of here. Oh, statement advice. There it is there. Yep. Yep. Yep. Okay. Alright. Let's just go ahead. Yep. Yep. Yep. Yep. Yep. That's correct. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yes. Yep. Okay. Yep. Yep. Okay. Alright. No. It all sounds pretty good. Let's hope we can turn it around. I I mean, it it wouldn't matter if I had hundreds of thousands in there. I don't. Like, it just seems to be dwindling away. Yes. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. No. I think I'm gonna stay and yeah. Just yeah. I'm just we're definitely gonna stay already inside of that. So I just wanna go ahead. Yeah. Yeah. I will. Absolutely. Yep. Yep. Right. Okay. Okay. Yep. Yep. Yep. Yep. Okay. Okay. Yep. Alright. Let's find that. So once I sign, you get the ball rolling. How long does it actually take to change it all over? Yes. Yep. Okay. Alright. No worries. Yep. It does. Yeah. Yep. Alright. So after I sign the documents, when's our next next catch up? What do you reckon in? Like, another six months? Or yep. Yep. Yep. Okay. I might do that actually. Stay on top of it, I think. Yeah. It is. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yes. Yep. Yep. So there's no fees to get out of it or anything. Yep. Yep. Yep. Okay. Yep. Yeah. I am. Yep. Yep. Okay. Yep. Yep. Okay. No worries. No. I'll try and go through everything ASAP just so we can get the ball rolling. So if I've got any questions, I'll reply back to you. I mean, I'm sure a lot of it's gonna go over my head anyway. But, yeah, if there's any questions there, I'll I'll email back to you. A lot of jargon. Yeah. Yes. Yep. And if the market takes like a, you know, a massive downturn and I'm not on top of anything, is anyone monitoring, like, the super fund or is there anything that flags? Yes. Yes. Yep. Yep. Yeah. If I decide to retire earlier, is that is that an issue if I check the retirement age? Yep. Yep. Yes. Yes. Yep. Yep. Yep. Okay. Alright. Yep. It does. Yeah. Alright. No worries. Alright. Thank you very much for acting so quickly, and I'll get a have a look over these documents and go from there. Yep. That'd be great. Yep. Alright. No worries. Thanks very much. Thanks. 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Sorry about that. I don't know what happened. It just anyway, I don't know why it did my phone didn't ring. Yeah.\n\nI'm in a car, so I'm not too sure. Yeah. Anyways, I've got you now. Sorry. I won't waste any more of your time.\n\nYeah. Number so I've moved. It's Number 5 Arthur Street in Aberfeldy. Yeah. That's correct.\n\nYep. Actually, I can pull right over. Hang on. Just give me, like, five seconds, and I'll just pull over. And you you've just emailed that through, have you?\n\nI've just gotta turn my phone off, so I'll probably lose you off Bluetooth. Sorry. Turn my car up. Yep. No worries.\n\nAlright. You there? Yeah. That's right. Sorry.\n\nPull up the email. Yep. Yes. Yep. Yep.\n\nYes. Yep. Yep. Okay. Yep.\n\nI'm just trying to go through it now. Sorry. I think I've gone to the appendix. Sorry. Let me get out of here.\n\nOh, statement advice. There it is there. Yep. Yep. Yep.\n\nOkay. Alright. Let's just go ahead. Yep. Yep.\n\nYep. Yep. Yep. That's correct. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yes.\n\nYep. Okay. Yep. Yep. Okay.\n\nAlright. No. It all sounds pretty good. Let's hope we can turn it around. I I mean, it it wouldn't matter if I had hundreds of thousands in there.\n\nI don't. Like, it just seems to be dwindling away. Yes. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yes. Yep. No.\n\nI think I'm gonna stay and yeah. Just yeah. I'm just we're definitely gonna stay already inside of that. So I just wanna go ahead. Yeah.\n\nYeah. I will. Absolutely. Yep. Yep.\n\nRight. Okay. Okay. Yep. Yep.\n\nYep. Yep. Okay. Okay. Yep.\n\nAlright. Let's find that. So once I sign, you get the ball rolling. How long does it actually take to change it all over? Yes.\n\nYep. Okay. Alright. No worries. Yep.\n\nIt does. Yeah. Yep. Alright. So after I sign the documents, when's our next next catch up?\n\nWhat do you reckon in? Like, another six months? Or yep. Yep. Yep.\n\nOkay. I might do that actually. Stay on top of it, I think. Yeah. It is.\n\nYeah. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Yep. So there's no fees to get out of it or anything. Yep. Yep.\n\nYep. Okay. Yep. Yeah. I am.\n\nYep. Yep. Okay. Yep. Yep.\n\nOkay. No worries. No. I'll try and go through everything ASAP just so we can get the ball rolling. So if I've got any questions, I'll reply back to you.\n\nI mean, I'm sure a lot of it's gonna go over my head anyway. But, yeah, if there's any questions there, I'll I'll email back to you. A lot of jargon. Yeah. Yes.\n\nYep. And if the market takes like a, you know, a massive downturn and I'm not on top of anything, is anyone monitoring, like, the super fund or is there anything that flags? Yes. Yes. Yep.\n\nYep. Yeah. If I decide to retire earlier, is that is that an issue if I check the retirement age? Yep. Yep.\n\nYes. Yes. Yep. Yep. Yep.\n\nOkay. Alright. Yep. It does. Yeah.\n\nAlright. No worries. Alright. Thank you very much for acting so quickly, and I'll get a have a look over these documents and go from there. Yep.\n\nThat'd be great. Yep. Alright. No worries. Thanks very much.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.64,"end":4.88,"sentiment":"neutral","sentiment_score":-0.03550424799323082},{"text":"Sorry about that.","start":4.88,"end":5.7599998,"sentiment":"negative","sentiment_score":-0.3342942496140798},{"text":"I don't know what happened.","start":5.7599998,"end":6.72,"sentiment":"negative","sentiment_score":-0.35627901554107666},{"text":"It just anyway, I don't know why it did my phone didn't ring.","start":6.72,"end":11.3,"sentiment":"negative","sentiment_score":-0.38189289890802824},{"text":"Yeah.","start":17.055,"end":17.535,"sentiment":"neutral","sentiment_score":-0.14221738278865814}],"sentiment":"negative","sentiment_score":-0.34463509317973384,"num_words":23,"start":4.64,"end":17.535},{"sentences":[{"text":"I'm in a car, so I'm not too 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there's no fees to get out of it or anything.","start":1083.29,"end":1085.4701,"sentiment":"neutral","sentiment_score":0.2330902015621012},{"text":"Yep.","start":1087.2101,"end":1087.7101,"sentiment":"neutral","sentiment_score":0.109166219830513},{"text":"Yep.","start":1104.855,"end":1105.355,"sentiment":"neutral","sentiment_score":0.23858295381069183}],"sentiment":"neutral","sentiment_score":0.2175837149222692,"num_words":15,"start":1079.895,"end":1105.355},{"sentences":[{"text":"Yep.","start":1125.275,"end":1125.675,"sentiment":"positive","sentiment_score":0.37312376499176025},{"text":"Okay.","start":1125.675,"end":1126.175,"sentiment":"neutral","sentiment_score":0.22326242923736572},{"text":"Yep.","start":1127.275,"end":1127.775,"sentiment":"positive","sentiment_score":0.3719106614589691},{"text":"Yeah.","start":1130.235,"end":1130.4751,"sentiment":"neutral","sentiment_score":0.30739128589630127},{"text":"I am.","start":1130.4751,"end":1130.9551,"sentiment":"neutral","sentiment_score":0.2871331572532654}],"sentiment":"neutral","sentiment_score":0.30832574268182117,"num_words":6,"start":1125.275,"end":1130.9551},{"sentences":[{"text":"Yep.","start":1130.9551,"end":1131.4551,"sentiment":"neutral","sentiment_score":0.21632373332977295},{"text":"Yep.","start":1152.545,"end":1153.045,"sentiment":"neutral","sentiment_score":0.09426068514585496},{"text":"Okay.","start":1156.545,"end":1157.025,"sentiment":"neutral","sentiment_score":0.17933955788612366},{"text":"Yep.","start":1157.025,"end":1157.525,"sentiment":"neutral","sentiment_score":0.18355831503868103},{"text":"Yep.","start":1175.0299,"end":1175.35,"sentiment":"neutral","sentiment_score":0.13846367597579956}],"sentiment":"neutral","sentiment_score":0.16238919347524644,"num_words":5,"start":1130.9551,"end":1175.35},{"sentences":[{"text":"Okay.","start":1175.35,"end":1175.85,"sentiment":"neutral","sentiment_score":0.15427953004837036},{"text":"No worries.","start":1175.9099,"end":1176.57,"sentiment":"neutral","sentiment_score":0.16835827380418777},{"text":"No.","start":1179.945,"end":1180.265,"sentiment":"neutral","sentiment_score":-0.013454928994178772},{"text":"I'll try and go through everything ASAP just so we can get the ball rolling.","start":1180.265,"end":1183.625,"sentiment":"neutral","sentiment_score":0.16552383030454318},{"text":"So if I've got any questions, I'll reply back to you.","start":1183.625,"end":1187.085,"sentiment":"neutral","sentiment_score":0.12985103983770718}],"sentiment":"neutral","sentiment_score":0.14629200138151646,"num_words":30,"start":1175.35,"end":1187.085},{"sentences":[{"text":"I mean, I'm sure a lot of it's gonna go over my head anyway.","start":1187.225,"end":1190.5249,"sentiment":"neutral","sentiment_score":0.06799050952707018},{"text":"But, yeah, if there's any questions there, I'll I'll email back to you.","start":1191.97,"end":1195.99,"sentiment":"neutral","sentiment_score":0.1358267796727327},{"text":"A lot of jargon.","start":1199.1699,"end":1200.23,"sentiment":"neutral","sentiment_score":-0.02761476021260023},{"text":"Yeah.","start":1200.37,"end":1200.87,"sentiment":"neutral","sentiment_score":-0.0023952890187501907},{"text":"Yes.","start":1207.865,"end":1208.365,"sentiment":"neutral","sentiment_score":0.2078702747821808}],"sentiment":"neutral","sentiment_score":0.08523124891022842,"num_words":33,"start":1187.225,"end":1208.365},{"sentences":[{"text":"Yep.","start":1230.27,"end":1230.77,"sentiment":"neutral","sentiment_score":0.11304162442684174},{"text":"And if the market takes like a, you know, a massive downturn and I'm not on top of anything, is anyone monitoring, like, the super fund or is there anything that flags?","start":1230.9099,"end":1243.935,"sentiment":"neutral","sentiment_score":-0.25974343926645815},{"text":"Yes.","start":1261.82,"end":1262.32,"sentiment":"neutral","sentiment_score":0.02484457939863205},{"text":"Yes.","start":1277.2849,"end":1277.7849,"sentiment":"neutral","sentiment_score":0.044479355216026306},{"text":"Yep.","start":1295.365,"end":1295.865,"sentiment":"neutral","sentiment_score":-0.12268899381160736}],"sentiment":"neutral","sentiment_score":-0.22922537475824356,"num_words":36,"start":1230.27,"end":1295.865},{"sentences":[{"text":"Yep.","start":1300.325,"end":1300.825,"sentiment":"neutral","sentiment_score":-0.1348346322774887},{"text":"Yeah.","start":1308.9299,"end":1309.4299,"sentiment":"neutral","sentiment_score":-0.07362143695354462},{"text":"If I decide to retire earlier, is that is that an issue if I check the retirement age?","start":1309.89,"end":1316.71,"sentiment":"neutral","sentiment_score":-0.09162823090122806},{"text":"Yep.","start":1329.2649,"end":1329.345,"sentiment":"neutral","sentiment_score":-0.019783327355980873},{"text":"Yep.","start":1329.345,"end":1329.845,"sentiment":"neutral","sentiment_score":-0.004383688792586327}],"sentiment":"neutral","sentiment_score":-0.08554232916371389,"num_words":22,"start":1300.325,"end":1329.845},{"sentences":[{"text":"Yes.","start":1335.78,"end":1336.28,"sentiment":"neutral","sentiment_score":0.04412290453910827},{"text":"Yes.","start":1355.8251,"end":1356.3251,"sentiment":"neutral","sentiment_score":0.21495474874973297},{"text":"Yep.","start":1359.8251,"end":1360.3251,"sentiment":"neutral","sentiment_score":0.11174911260604858},{"text":"Yep.","start":1373.62,"end":1374.12,"sentiment":"neutral","sentiment_score":0.09454914927482604},{"text":"Yep.","start":1376.585,"end":1376.985,"sentiment":"neutral","sentiment_score":0.13642801344394684}],"sentiment":"neutral","sentiment_score":0.12036078572273254,"num_words":5,"start":1335.78,"end":1376.985},{"sentences":[{"text":"Okay.","start":1376.985,"end":1377.485,"sentiment":"neutral","sentiment_score":0.16608452796936035},{"text":"Alright.","start":1379.065,"end":1379.565,"sentiment":"neutral","sentiment_score":0.1575525999069214},{"text":"Yep.","start":1379.865,"end":1380.1849,"sentiment":"neutral","sentiment_score":0.06544531136751175},{"text":"It does.","start":1380.1849,"end":1380.6649,"sentiment":"neutral","sentiment_score":0.23640825599431992},{"text":"Yeah.","start":1380.6649,"end":1381.1649,"sentiment":"neutral","sentiment_score":0.1755830943584442}],"sentiment":"neutral","sentiment_score":0.17291367426514626,"num_words":6,"start":1376.985,"end":1381.1649},{"sentences":[{"text":"Alright.","start":1397.52,"end":1397.9199,"sentiment":"neutral","sentiment_score":0.13208743929862976},{"text":"No worries.","start":1397.9199,"end":1398.5599,"sentiment":"neutral","sentiment_score":0.2088378146290779},{"text":"Alright.","start":1398.5599,"end":1399.0599,"sentiment":"positive","sentiment_score":0.3617105484008789},{"text":"Thank you very much for acting so quickly, and I'll get a have a look over these documents and go from there.","start":1399.36,"end":1406.055,"sentiment":"positive","sentiment_score":0.6510021469809792},{"text":"Yep.","start":1414.275,"end":1414.675,"sentiment":"positive","sentiment_score":0.33843836188316345}],"sentiment":"positive","sentiment_score":0.5767392300897174,"num_words":27,"start":1397.52,"end":1414.675},{"sentences":[{"text":"That'd be great.","start":1414.675,"end":1415.61,"sentiment":"positive","sentiment_score":0.7280746301015218},{"text":"Yep.","start":1416.09,"end":1416.59,"sentiment":"neutral","sentiment_score":0.24215051531791687},{"text":"Alright.","start":1422.49,"end":1422.8099,"sentiment":"neutral","sentiment_score":0.2509714365005493},{"text":"No worries.","start":1422.8099,"end":1423.29,"sentiment":"neutral","sentiment_score":0.3187877684831619},{"text":"Thanks very much.","start":1423.29,"end":1424.27,"sentiment":"positive","sentiment_score":0.6575754682223002}],"sentiment":"positive","sentiment_score":0.5287647783756256,"num_words":10,"start":1414.675,"end":1424.27},{"sentences":[{"text":"Thanks.","start":1425.45,"end":1425.9299,"sentiment":"positive","sentiment_score":0.4378706216812134},{"text":"Bye.","start":1425.9299,"end":1426.4299,"sentiment":"neutral","sentiment_score":0.18916040658950808}],"sentiment":"neutral","sentiment_score":0.3135155141353607,"num_words":2,"start":1425.45,"end":1426.4299}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Lisa. Thanks for calling back.\n\nChannel 1: Hi. Sorry about that. I don't know what happened. It just anyway, I don't know why it did my phone didn't ring.\n\nChannel 0: Yeah. It just went straight to MessageBank both times, so I'm unsure as to why.\n\nChannel 1: Yeah. I'm in a car, so I'm not too sure. Yeah. Anyways, I've got you now. Sorry.\n\nI won't waste any more of your time.\n\nChannel 0: No. That's perfectly fine, Elisa. So I understand you did change address there from what they told me there as well. Was that so it's 5 Arthur Street. Is that correct?\n\nChannel 1: Yeah. Number so I've moved. It's Number 5 Arthur Street in Aberfeldy.\n\nChannel 0: Okay. Not a problem. I'll just make sure that's updated in the workbook as well. With that, I'll get the the team there to update that on your account just so that reflects. And then with the advice piece, it doesn't actually list your your current address, so that's fine in terms of your details.\n\nNow with the advice piece there, Lisa, I'll just be sending that to your your current email, which would be lisa.wild355@gmail.com.\n\nChannel 1: Yeah. That's correct. Yep.\n\nChannel 0: Perfect. There I know in regards to what we discussed, it was mainly just in regards to looking at the investment update. So we'll send that through. Obviously, you're driving, so you can't have a look at it at the moment.\n\nChannel 1: Actually,\n\nChannel 0: But\n\nChannel 1: I can pull right over. Hang on. Just give me, like, five seconds, and I'll just pull over.\n\nChannel 0: Yeah. Okay. No problem.\n\nChannel 1: And you you've just emailed that through, have you?\n\nChannel 0: Yeah. It should come up there shortly.\n\nChannel 1: I've just gotta turn my phone off, so I'll probably lose you off Bluetooth.\n\nChannel 0: Yep. No. That's\n\nChannel 1: Sorry.\n\nChannel 0: fine.\n\nChannel 1: Turn my car up. Yep. No worries. Alright. You there?\n\nChannel 0: Yep. Still here.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Perfect.\n\nChannel 1: Sorry. Pull up the email.\n\nChannel 0: It'll be via Odoo, so it's a bit of a different signing service to what you've used probably previously. And then with that, you'll have the attachments there as well as the signable link if you were happy to go ahead with the recommendation. Now, obviously, I know you were a little bit concerned about, obviously, what has happened previously, and I explained what I could do for you, which was look at the investments there and look at an update there for you. In the appendix as well there, Lisa, I have chucked in there a comparison to Australian Super\n\nChannel 1: Yep.\n\nChannel 0: to have a look at, in terms of comparisons, if you were, in that fund. Now within that one there, it's a little bit, different in terms of, like, the asset allocations. Now when we did compare the Australian Super to the growth portfolio, and currently, it just worked out that the Australian Super high growth was more in line with sort of the growth portfolio that you're currently in and then sort of what we'd be recommending in line with sort of Okview's in investment philosophy there. It's what's a growth portfolio. Now\n\nChannel 1: Yes.\n\nChannel 0: with that, it compares for that like for like in the appendix that I'm referring to your current versus the recommend sort of what your Australian super would be. So current situation to an Australian super high growth fund,\n\nChannel 1: Yep.\n\nChannel 0: where typically, the the general default is around a growth. So if you were to go to Australian super and get just the default Australian super, it's important to sorta evaluate your risk and what sort of level of exposure you would have. And then that\n\nChannel 1: Yep.\n\nChannel 0: sorta shows you the cost of that. Now within regards to performance, it was performing slightly worse over a five year period, but in saying that you got a\n\nChannel 1: Yes.\n\nChannel 0: Canon to adviser fees. So given your current situation versus being an Australian super, it'd be sort of, like, on par or maybe sort of depending like, obviously, your portfolio and the times you've been invested, this is based on rolling average figures might be sort of better off in one or the other versus the recommended that we are recommending with the updated portfolio. It works out that the performance historically has been a bit better in terms of the the rolling averages there, around 13% versus, like, a 9% for the Australian super. And then the\n\nChannel 1: Yep.\n\nChannel 0: investment cost is a lot more in Australian super. And then, obviously, still the adviser fee is higher, but then you also do have access to the other services here, Oakview Financial, as a part of, like, the ongoing fee. It's not just the management cost that's included with that one. And then\n\nChannel 1: Yep.\n\nChannel 0: you'll also\n\nChannel 1: Okay.\n\nChannel 0: be able to see in the appendix the recommended investments there and that I'm recommending as a part of your portfolio update. So that is the appendix. I thought I'd just mention that first just because there are those comparisons to Australian Super for you because I know that's\n\nChannel 1: Yep.\n\nChannel 0: the fund you were sort of considering. As far as the advice piece itself, can you see the that email now there with the statement of advice?\n\nChannel 1: I'm just trying to go through it now. Sorry.\n\nChannel 0: Yeah. No. That's fine. Did you click under the statement of advice, or did you go to the appendix there?\n\nChannel 1: I think I've gone to the appendix.\n\nChannel 0: Okay.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's\n\nChannel 1: Let\n\nChannel 0: that's\n\nChannel 1: me get out\n\nChannel 0: fine.\n\nChannel 1: of here. Oh, statement advice. There it is there. Yep.\n\nChannel 0: Yeah. So with that one, these documents created for yourself. Obviously, it's quite limited in the scoping because we were mainly looking just at the investment side of things, and I thought I'd just mention they're the estate planning side of things just because I know you didn't have all your estate planning matters in place. Just as a reminder there in regards to wills and estate and, like, power of attorney.\n\nChannel 1: Yep.\n\nChannel 0: As far as superannuation, it's quite clear on why you wanted that reviewed given what happened with Ben Long. You had quite a high allocation to that. Now, obviously,\n\nChannel 1: Yep.\n\nChannel 0: I wasn't the adviser that did that for you. So it's sort of the first time we've spoken. So within regards to that, looking at adjusting that and making sure moving forward, that wouldn't be an issue as to sort of what happened previously. Obviously, I can't say too much about what your discussions you have with your adviser and that level of risk on taking on those managed funds and having that active portion and that allocation to that. I can sort of only do going forward.\n\nAnd then sort of if you feel going from this that you still wanna sort of part ways, that's more than fine. You don't have to dodge the calls. We'll still assist you on that journey there as well, Lisa. But, obviously, this advice updates to hopefully put you in a better position based on if you were to stay here at\n\nChannel 1: Okay. Alright. Let's just go ahead.\n\nChannel 0: Financial. Yep. As far as limited scoping, it touches on the salary sacrifice being included, but not making any changes because, obviously, you don't want to look at that at this time. As\n\nChannel 1: Yep.\n\nChannel 0: far as not having insurances, we're not reviewing that because you didn't want to at the moment. Same with the\n\nChannel 1: Yep.\n\nChannel 0: budgeting and debt management.\n\nChannel 1: Yep.\n\nChannel 0: You're happy sort of with your own budget at the moment and managing your own debt with that consolidation with the new property per purchase and paying down that debt to, like, your\n\nChannel 1: Yep.\n\nChannel 0: retirement.\n\nChannel 1: Yep. That's correct. Yeah.\n\nChannel 0: As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you. Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those up. We can\n\nChannel 1: Yep.\n\nChannel 0: obviously just\n\nChannel 1: Yep.\n\nChannel 0: make the recommendation that you implement those. So that's fine. As far as your details, that'll be on page eight and nine in terms of your current situation and balance. So please feel free to have a look over those and make sure they are all correct. But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile.\n\nSo for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth\n\nChannel 1: Yep.\n\nChannel 0: portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Now as far as the investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table. Now this is skipping over the recommendation a little bit, but it'll go over the buyers and the sales there of we're recommending. Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific. So it can sort of, over the longer term period, see a lot more volatility with what is occurring. The bank hybrids are being phased out, so that's why we're recommending getting rid of those.\n\nAs far as the gold and the cybersecurity side of things, we're looking at keeping a portion in that for you.\n\nChannel 1: Yep.\n\nChannel 0: Now as far as the the Benelung itself, because it is an Australian equities and is that managed fund and, obviously, what did occur with it, we're recommending you remove that. You'd crystallize the losses, but then you can use those forwards for those investment changes to ensure that you're not paying capital gains moving forward for that loss and the changes in your investment. And then you\n\nChannel 1: Yep.\n\nChannel 0: would have the beta shares Australian 200, which is an Australian index, the top 200 companies there. That means you have a nice exposure in Australia still, but it's in the market index. You don't have that manager risk. You don't have that market volatility as much to the extent\n\nChannel 1: Okay.\n\nChannel 0: that someone's picking and choosing. It's just what the markets are doing. Obviously, at the moment,\n\nChannel 1: Yep.\n\nChannel 0: the markets are a bit down with what's happening in the wall, but\n\nChannel 1: Yep.\n\nChannel 0: that's sort of everywhere across the board. That's what the market's doing. So when you move from the actively managed sort of funds towards a more passive index approach, it means that you're just tracking what the market's doing. You're not trying to outperform it. You're just trying to follow it.\n\nNow with everything that is occurring, that sort of might be a little bit stagnant at least for the next few months while that war is occurring.\n\nChannel 1: Yes.\n\nChannel 0: But over a sustained long term period of time, it means that you get that growth of what the markets are doing over a longer period of time without the risk of trying to pick and choose winners, what sort of went wrong there with with Benelon, if\n\nChannel 1: Yep.\n\nChannel 0: that makes\n\nChannel 1: Okay.\n\nChannel 0: sense.\n\nChannel 1: Yep.\n\nChannel 0: Then you'll still have a nice amount of exposure outside The US and Australia with Japan there and then Vanguard or World. And then you'll have a nice defensive portion there in the iShares composite bond, which is a bit of fixed interest and also some debt to be able to sort of be a bit more of a defensive portion of your portfolio.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Do you have\n\nChannel 1: Alright.\n\nChannel 0: any questions in regards to that sort of investment change there at all?\n\nChannel 1: No. It all sounds pretty good. Let's hope we can turn it around. I I mean, it it wouldn't matter if I had hundreds of thousands in there. I don't.\n\nLike, it just seems to be dwindling away.\n\nChannel 0: Yeah. No. Obviously, like, the rest of your portfolio wasn't horrendous in the sense that, like, the other assets weren't performing too well. It's mainly because you had such a high allocation to that Benelong Australian Equities Fund.\n\nChannel 1: Yes.\n\nChannel 0: And in a dollar figure, because it is a smaller balance, like you said, in terms of a dollar figure, you haven't lost, like, a crazy amount considered, like, what did occur. It's only around the 4,500 that Benelon did sort of lose as a investment amount. The\n\nChannel 1: Yep.\n\nChannel 0: rest of your portfolio obviously was tracking sort of alright at least for the last year until that point.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, you know, the back end of COVID, there was a bit of a dip and things like that in the tariff talk at the start of the year.\n\nChannel 1: Yep.\n\nChannel 0: But, hopefully, with this, you won't have that manager risk moving forward, and then it'll just sort of track what the market's doing. Now as\n\nChannel 1: Yep.\n\nChannel 0: I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone\n\nChannel 1: Yep. Yep.\n\nChannel 0: until that was the sort of stop and they do recover. So we are still on a bit of that dip phase. The risk we're sort of selling and buying in that phase is obviously it can be a bit more volatile as well in terms of, like, the market jumps and dips. So if you were to sort of take on the investment recommendation selling to cash for those investments, there is a chance in that time frame too that the markets either go up or down. Now if they go up, it means you might lose a bit in terms of you sold a bit lower and bought a bit higher.\n\nBut if it goes down, it obviously works the other way. That's just something\n\nChannel 1: Yep.\n\nChannel 0: to be mindful of.\n\nChannel 1: Yep.\n\nChannel 0: But over a longer term time, it's sort of a little bit negligible. We did also consider there\n\nChannel 1: Yep.\n\nChannel 0: for you, as I said, moving you to Australian super in terms of that, but you would pay the total capital gains cost if you were to sort of sell down fully and move out. You also just have less access to visibility reporting features of the platform that you could take advantage of under Hub 20 four, and then you\n\nChannel 1: Yes.\n\nChannel 0: also wouldn't have, as as advisers there as well. And as I said, feel free to have a look through it and see if you are comfortable with it once you get home, have a good\n\nChannel 1: Yep.\n\nChannel 0: read, and sort of make a decision if you'd like to take on the investment change and say, or if you sort of feel you'd be better off off work. So I don't wanna sort of press you into anything. But,\n\nChannel 1: No.\n\nChannel 0: obviously\n\nChannel 1: I think I'm gonna stay and yeah. Just yeah. I'm just we're definitely gonna stay already inside of that. So I just wanna go ahead. Yeah.\n\nChannel 0: okay. Not a problem. We'll at least have a a read through this afternoon\n\nChannel 1: Yeah.\n\nChannel 0: if you\n\nChannel 1: I\n\nChannel 0: are\n\nChannel 1: will.\n\nChannel 0: gonna\n\nChannel 1: Absolutely.\n\nChannel 0: go ahead, and then once you sort of sign, I'll initiate those trades and then that investment switch will go ahead.\n\nChannel 1: Yep.\n\nChannel 0: As far as, like, the active management, as I said, we got rid of that for now. It's not something you can sort of you can look at putting it back in the future. That's fine. But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side. And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong.\n\nBennelong had\n\nChannel 1: Yep.\n\nChannel 0: its own specific reasons, but, obviously, you know, with the markets, you'd have those higher risk sort of shares in those funds. So when the markets do take a turn like now, they obviously do take quite a bit of a dip as well.\n\nChannel 1: Right.\n\nChannel 0: We also,\n\nChannel 1: Okay.\n\nChannel 0: yeah, we also did there have a look at just sort of keeping the investments and switching out the underperforming ones. But just with this change, it works out to be cheaper overall in terms of the cost. And then saving on that investment cost coupled with the fact that you do have those less risky investment sort of ETFs and have a bit more diversification across different industry and regions just means that hopefully going forward, you don't experience those sort of huge drops that you did there,\n\nChannel 1: Okay.\n\nChannel 0: if that makes\n\nChannel 1: Yep.\n\nChannel 0: sense.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, the risk with that one is the benefit you get the lower fees. It has a better track record historically. You get the benefits of Hub twenty four still as a retail platform. You get our service still. It is still that core satellite approach there.\n\nSo hopefully moving forward, it's a little bit sort of less volatile and then sort of just that sustained longer term growth with what the markets are doing. Obviously, the risk with investments, though, is that there isn't a guarantee that the recommended will sort of perform as in, like, the historical performance is an indicative of future performance. But based on the markets, the regions, the diversification at home, you would a 100% be saving in terms of if you stay where you were versus moving to the recommended investment and which compounds towards your growth as well, if that makes sense.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Yep. And then if sort of six, twelve months from now, if you were happy with how it was tracking and want to talk about strategies around bolstering up a little bit more with your salary sacrifice and things like that, given that your main debt's just a home and you don't really have any other debt. That's also some conversations you can have.\n\nChannel 1: Okay. Yep. Alright. Let's find that. So once I sign, you get the ball rolling.\n\nHow long does it actually take to change it all over?\n\nChannel 0: So in terms of the trade, once it's sort of signed and then implemented there, they'll initiate the trade. And then from that, it can take up to two weeks for the managed funds to sell down. But once the buy order's put in, it sort of locks in the price on that trade day of what it is. So if you're worried about it sort of continually going down from there, generally, once the trade order's placed, it will sell for that traded price at the end of that day.\n\nChannel 1: Yes.\n\nChannel 0: And then with the managed funds that take a little bit longer from the exchange traded funds you do have, it might be a little bit quicker. But in saying that as well, a key portion of your portfolio is staying with the S and P 500, which means that you're not selling that, so you wouldn't have that out of the market. Excuse me. So it would only be the ones that are changing there. That would be sort of the ones that are selling and buying, and the bet along would probably take the most around sort of that week and a half to two weeks to be able to sort of sell to cash and then sort of be implemented as a new buyer,\n\nChannel 1: Yep. Okay. Alright. No worries.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yep. It does. Yeah. Yep. Alright.\n\nSo after I sign the documents, when's our next next catch up?\n\nChannel 0: Let me just double\n\nChannel 1: What do\n\nChannel 0: check-in.\n\nChannel 1: you reckon in? Like, another six months? Or\n\nChannel 0: As I said, like, you can have a six month catch up. Given that everything is happening, even with the change, there's a chance, like, with everything going on that it still might be a bit stagnant in terms of what's happening in the markets in that six months' time. But\n\nChannel 1: yep.\n\nChannel 0: you can definitely get booked in for a six month catch up just to review it and see how it's going and see how that compares to the market and things like that and see how\n\nChannel 1: Yep.\n\nChannel 0: you feel about it.\n\nChannel 1: Yep. Okay. I might do that actually. Stay on top of it, I think.\n\nChannel 0: Yep. And that can be the same moving forward. You can go for sort of six month catch ups or sort of the the quarterly. Obviously, with in regards to Super, it is a bit of a long term game. So\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: It\n\nChannel 0: least\n\nChannel 1: is.\n\nChannel 0: six\n\nChannel 1: Yeah.\n\nChannel 0: months, yeah, you get a little bit more peace of mind even if it is just a conversation versus, like, each twelve months\n\nChannel 1: Yep.\n\nChannel 0: at year review. And then sort of you can be a little bit more on top of, like, world events and things like that and how you feel about it and just\n\nChannel 1: Yep.\n\nChannel 0: expressing that and some changes and things like that as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. And regards to the wills and as power of attorney, obviously, that's quite straightforward in terms of, like, seeking the advice of a a lawyer or services of a lawyer to establish a will and a power of attorney to be able\n\nChannel 1: Yep.\n\nChannel 0: to to set up those estate planning measures. So we put that in there just as a reminder that you don't have those in place. Now as far as the\n\nChannel 1: Yep.\n\nChannel 0: fees, there will be that 1.65%, which is around the $1,400 mark in terms of a yearly fee. Now that's\n\nChannel 1: Yep.\n\nChannel 0: considering balance and growth. So if the market stay a little bit more stagnant, it means you also get charged a little bit less in regards to that fee. If they tick\n\nChannel 1: Yep.\n\nChannel 0: back up and it goes up a little bit more, then the percentage is based off the current balance at that month time charged across, like, a twelve month period. So it may increase a little bit with that if they were to return. But that's just to give you a rough idea of what that may look like over that twelve months.\n\nChannel 1: Yes.\n\nChannel 0: With your ongoing service agreement and things like that as well, Lisa, it's not a lock in contract either. So in saying that, if you do can't see any review sign and then sort of, you know, a few months from that, wanna look at kind of changing there as well, it also means that you can look at just opting out of the service. It's not locked in. It doesn't try and keep you hostage if you were to\n\nChannel 1: Yep.\n\nChannel 0: sort of wanna make the change to that peace of mind.\n\nChannel 1: Yep. So there's no fees to get out of it or anything.\n\nChannel 0: So obviously,\n\nChannel 1: Yep.\n\nChannel 0: you don't ever get back the the lock in from that. As in, like, you've paid your fees up until then. You paid your upfront cost there. So that isn't sort of returned. But in saying that, there's no sort of exit fee or things like that as well.\n\nIt just sort of ceases at the time you were sort of willing to seize.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then with that, if you were to be happy as well, given that we sort of did go through a bit of a review there, it's sort of due for your annual review around the fourth as well. So we can, if you were to sign everything, just organize an ongoing service agreement and then just review in six months to see if you were still happy to stay on board\n\nChannel 1: Yep.\n\nChannel 0: and then\n\nChannel 1: Okay.\n\nChannel 0: just go from there.\n\nChannel 1: Yep.\n\nChannel 0: If you're happy with that.\n\nChannel 1: Yeah. I am. Yep.\n\nChannel 0: Not a problem at all, Lisa. Obviously, there is a lot of information there and a lot of sort of, you know, the advantages, disadvantages, things like that, which, unfortunately, I don't have the the time for just given to the time for my next booking there. But feel free to have a read through of that. If you have any questions, feel free to I'll shoot in your quick email after this that you can respond to with any questions, or you can just\n\nChannel 1: Yep.\n\nChannel 0: respond to that link that we've got going or the chain that we've got going\n\nChannel 1: Okay. Yep.\n\nChannel 0: with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have. But otherwise, have a bit of a read through, see if you're happy with it, but it is quite simple in terms of it is just that investment update there. And then all those investments are listed in that appendix for you to have a look at.\n\nChannel 1: Yep. Okay. No worries.\n\nChannel 0: No problem. Do you have any other questions in regards to the advice piece\n\nChannel 1: No.\n\nChannel 0: there\n\nChannel 1: I'll\n\nChannel 0: today,\n\nChannel 1: try\n\nChannel 0: Lisa?\n\nChannel 1: and go through everything ASAP just so we can get the ball rolling. So if I've got any questions, I'll reply back to you. I mean, I'm sure a lot of it's gonna go over my head anyway. But, yeah, if there's any questions there, I'll I'll email back to you.\n\nChannel 0: Yeah. It can be a lot like, a lot of words coming coming out\n\nChannel 1: A\n\nChannel 0: here.\n\nChannel 1: lot\n\nChannel 0: So the\n\nChannel 1: of jargon.\n\nChannel 0: tape\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So the main table there is probably on that fifteen, sixteen with the buyers and the sales of what you're actually getting rid of worth what you're getting.\n\nChannel 1: Yes.\n\nChannel 0: So have a look at that, make sure you're sort of happy with where you're sort of going in regards to your exposures. As far as the allocations, you will have slightly more in growth assets versus the defensive, but you'll also be reducing your manager risk there as well. So when tracking the markets, you do have a lot less volatility and a lot less risk in regards to what's happening versus relying on those fund managers to be making those right decisions as well.\n\nChannel 1: Yep. And if the market takes like a, you know, a massive downturn and I'm not on top of anything, is anyone monitoring, like, the super fund or is there anything that flags?\n\nChannel 0: So within regards to that, there is an investment committee that does monitor. There within regards to certain events, like with COVID, they did remove and sort of put people to cash in that sort of time frame to be able to sort of mitigate the dip because they expect it to go long term and be quite a significant dip. But\n\nChannel 1: Yes.\n\nChannel 0: that's quite a rare, like, change. Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to\n\nChannel 1: Yes.\n\nChannel 0: retire at the age of 67. So within things like the GSE, if you were to sort of try and sell out and buy in, you sort of run the risk of that market timing. Whereas if you just held the investment and sort of kept contributing, you're buying still at that dip time. And as it recovers, your superannuation recovers with that, and you just sort of ride it out versus trying\n\nChannel 1: Yep.\n\nChannel 0: to do that that day trading and do the buys and the sells and try and time the market\n\nChannel 1: Yep.\n\nChannel 0: because it is quite a hard game to time the market, and you sort of can be left out to dry if you sort of don't time it correctly and miss the boat.\n\nChannel 1: Yeah. If I decide to retire earlier, is that is that an issue\n\nChannel 0: No.\n\nChannel 1: if\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: check\n\nChannel 0: decided\n\nChannel 1: the retirement\n\nChannel 0: to\n\nChannel 1: age?\n\nChannel 0: if you hit 60 and decided to just stop work, you could just take it all and and run, basically, and sort of you wouldn't be able to get any government assistance until the age of sort of 67 if you're eligible for it, given your assets and things like that\n\nChannel 1: Yep. Yep.\n\nChannel 0: or income tests. Been saying that, yeah, you can sort of at 60 still meet a conditional release and take it out.\n\nChannel 1: Yes.\n\nChannel 0: Saying that to if you're 60 and still working, you can do a transition to retirement where you can access up to 10% per annum to be able to sort of fund additional sort of holidays, living expenses, or you can look at rate contribution studies, drawing down tax free and adding, like, your pretax dollars through salary sacrifice to sort of\n\nChannel 1: Yes.\n\nChannel 0: help bolster up your super a little bit leading into retirement as well. So that's something you can\n\nChannel 1: Yep.\n\nChannel 0: think about in the next sort of five years if you wanna sort of do that strategy because you're already salary sacrificing. It might be sort of worth looking at that. Given your income, it might not mean that you have to salary sacrifice much more to be able to do that sort of drawdown switch to be able\n\nChannel 1: Yep.\n\nChannel 0: to save a little bit on tax.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Alright. Yep. It does. Yeah.\n\nChannel 0: Yep. But as you said, any any questions once you go for a little bit of a a look through that, feel free to, like, give us a a message there, and I'll try and organize a time. If not, I'll try and respond via the email to give you a bit of insight into what you may be inquiring about.\n\nChannel 1: Alright. No worries. Alright. Thank you very much for acting so quickly, and I'll get a have a look over these documents and go from there.\n\nChannel 0: Not a problem at all, Lisa. And, yeah, once that's signed, I'll be sort of I'll put a note on here to action yours quite quickly if you were happy with everything as\n\nChannel 1: Yep.\n\nChannel 0: well. Try\n\nChannel 1: That'd\n\nChannel 0: and keep\n\nChannel 1: be\n\nChannel 0: it\n\nChannel 1: great.\n\nChannel 0: moving.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Not a problem. But anything else, Lisa, feel free to reach out. Otherwise, I'll let you get back to your afternoon. Enjoy the right time.\n\nChannel 1: Alright. No worries. Thanks very much.\n\nChannel 0: Thank you. Bye now.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lisa.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.2247752919793129},{"text":"Thanks for calling back.","start":2.48,"end":3.6999998,"sentiment":"positive","sentiment_score":0.5537230670452118}],"sentiment":"positive","sentiment_score":0.44407380868991214,"channel":0,"num_words":6,"start":1.8399999,"end":3.6999998},{"sentences":[{"text":"Hi.","start":4.64,"end":4.88,"sentiment":"neutral","sentiment_score":-0.03550424799323082},{"text":"Sorry about that.","start":4.88,"end":5.7599998,"sentiment":"negative","sentiment_score":-0.3342942496140798},{"text":"I don't know what happened.","start":5.7599998,"end":6.72,"sentiment":"negative","sentiment_score":-0.35627901554107666},{"text":"It just anyway, I don't know why it did my phone didn't ring.","start":6.72,"end":11.3,"sentiment":"negative","sentiment_score":-0.38189289890802824}],"sentiment":"negative","sentiment_score":-0.35383589819751005,"channel":1,"num_words":22,"start":4.64,"end":11.3},{"sentences":[{"text":"Yeah.","start":12.175,"end":12.495,"sentiment":"neutral","sentiment_score":-0.2574458122253418},{"text":"It just went straight to MessageBank both times, so I'm unsure as to why.","start":12.495,"end":16.355,"sentiment":"neutral","sentiment_score":-0.2969349558864321}],"sentiment":"neutral","sentiment_score":-0.2943023463090261,"channel":0,"num_words":15,"start":12.175,"end":16.355},{"sentences":[{"text":"Yeah.","start":17.055,"end":17.535,"sentiment":"neutral","sentiment_score":-0.14221738278865814},{"text":"I'm in a car, so I'm not too sure.","start":17.535,"end":19.795,"sentiment":"neutral","sentiment_score":-0.17624480691221026},{"text":"Yeah.","start":20.575,"end":20.895,"sentiment":"neutral","sentiment_score":-0.0013823118060827255},{"text":"Anyways, I've got you now.","start":20.895,"end":22.494999,"sentiment":"neutral","sentiment_score":0.05964551493525505},{"text":"Sorry.","start":22.494999,"end":22.735,"sentiment":"neutral","sentiment_score":-0.10031959414482115}],"sentiment":"neutral","sentiment_score":-0.09011146919253994,"channel":1,"num_words":17,"start":17.055,"end":22.735},{"sentences":[{"text":"I won't waste any more of your time.","start":22.735,"end":24.595001,"sentiment":"neutral","sentiment_score":-0.21991292014718056}],"sentiment":"neutral","sentiment_score":-0.21991292014718056,"channel":1,"num_words":8,"start":22.735,"end":24.595001},{"sentences":[{"text":"No.","start":25.310001,"end":25.550001,"sentiment":"neutral","sentiment_score":0.03956785053014755},{"text":"That's perfectly fine, Elisa.","start":25.550001,"end":27.01,"sentiment":"neutral","sentiment_score":0.31094545125961304},{"text":"So I understand you did change address there from what they told me there as well.","start":27.710001,"end":32.93,"sentiment":"neutral","sentiment_score":0.07154293521307409},{"text":"Was that so it's 5 Arthur Street.","start":33.39,"end":36.190002,"sentiment":"neutral","sentiment_score":0.027639188936778476},{"text":"Is that correct?","start":36.190002,"end":36.975,"sentiment":"neutral","sentiment_score":0.03878098105390867}],"sentiment":"neutral","sentiment_score":0.08831786724828905,"channel":0,"num_words":31,"start":25.310001,"end":36.975},{"sentences":[{"text":"Yeah.","start":37.405,"end":37.645,"sentiment":"neutral","sentiment_score":0.02993505820631981},{"text":"Number so I've moved.","start":37.645,"end":39.085,"sentiment":"neutral","sentiment_score":0.023756844690069556},{"text":"It's Number 5 Arthur Street in Aberfeldy.","start":39.085,"end":44.704998,"sentiment":"neutral","sentiment_score":0.026390477482761656}],"sentiment":"neutral","sentiment_score":0.025807981612160802,"channel":1,"num_words":12,"start":37.405,"end":44.704998},{"sentences":[{"text":"Okay.","start":47.295,"end":47.695,"sentiment":"neutral","sentiment_score":0.1146630272269249},{"text":"Not a problem.","start":47.695,"end":48.594997,"sentiment":"neutral","sentiment_score":0.21465576191743216},{"text":"I'll just make sure that's updated in the workbook as well.","start":48.894997,"end":51.24,"sentiment":"neutral","sentiment_score":0.21083106913349844},{"text":"With that, I'll get the the team there to update that on your account just so that reflects.","start":52.04,"end":58.04,"sentiment":"neutral","sentiment_score":0.1898001804947853},{"text":"And then with the advice piece, it doesn't actually list your your current address, so that's fine in terms of your details.","start":58.04,"end":63.660004,"sentiment":"neutral","sentiment_score":0.05593478256328539}],"sentiment":"neutral","sentiment_score":0.14044982797720215,"channel":0,"num_words":55,"start":47.295,"end":63.660004},{"sentences":[{"text":"Now with the advice piece there, Lisa, I'll just be sending that to your your current email, which would be lisa.wild355@gmail.com.","start":65.314995,"end":76.295,"sentiment":"neutral","sentiment_score":0.08439966787894566}],"sentiment":"neutral","sentiment_score":0.08439966787894566,"channel":0,"num_words":21,"start":65.314995,"end":76.295},{"sentences":[{"text":"Yeah.","start":76.68,"end":76.92,"sentiment":"neutral","sentiment_score":0.07384537160396576},{"text":"That's correct.","start":76.92,"end":77.56,"sentiment":"neutral","sentiment_score":0.09886858984827995},{"text":"Yep.","start":77.56,"end":78.06,"sentiment":"neutral","sentiment_score":0.1735415160655975}],"sentiment":"neutral","sentiment_score":0.1112810168415308,"channel":1,"num_words":4,"start":76.68,"end":78.06},{"sentences":[{"text":"Perfect.","start":78.369995,"end":78.869995,"sentiment":"neutral","sentiment_score":0.3002057671546936},{"text":"There I know in regards to what we discussed, it was mainly just in regards to looking at the investment update.","start":79.09,"end":84.31,"sentiment":"neutral","sentiment_score":0.0699337903587591},{"text":"So we'll send that through.","start":84.369995,"end":85.329994,"sentiment":"neutral","sentiment_score":0.08003699630498887},{"text":"Obviously, you're driving, so you can't have a look at it at the moment.","start":85.329994,"end":88.07,"sentiment":"neutral","sentiment_score":-0.049752257631293366}],"sentiment":"neutral","sentiment_score":0.03591387169208468,"channel":0,"num_words":41,"start":78.369995,"end":88.07},{"sentences":[{"text":"Actually,","start":88.36,"end":88.84,"sentiment":"neutral","sentiment_score":0.000549091026186943}],"sentiment":"neutral","sentiment_score":0.000549091026186943,"channel":1,"num_words":1,"start":88.36,"end":88.84},{"sentences":[{"text":"But","start":88.689995,"end":89.189995,"sentiment":"neutral","sentiment_score":0.0009480006992816924}],"sentiment":"neutral","sentiment_score":0.0009480006992816924,"channel":0,"num_words":1,"start":88.689995,"end":89.189995},{"sentences":[{"text":"I can pull right over.","start":88.84,"end":89.96,"sentiment":"neutral","sentiment_score":0.0010300062596797946},{"text":"Hang on.","start":89.96,"end":90.36,"sentiment":"neutral","sentiment_score":-0.002817104570567608},{"text":"Just give me, like, five seconds, and I'll just pull over.","start":90.36,"end":93.66499,"sentiment":"neutral","sentiment_score":0.0056083669716661625}],"sentiment":"neutral","sentiment_score":0.0034004366025328636,"channel":1,"num_words":18,"start":88.84,"end":93.66499},{"sentences":[{"text":"Yeah.","start":94.025,"end":94.345,"sentiment":"neutral","sentiment_score":0.03923218324780464},{"text":"Okay.","start":94.345,"end":94.845,"sentiment":"neutral","sentiment_score":0.05171327292919159},{"text":"No problem.","start":94.905,"end":95.565,"sentiment":"neutral","sentiment_score":0.08207012712955475}],"sentiment":"neutral","sentiment_score":0.06377142760902643,"channel":0,"num_words":4,"start":94.025,"end":95.565},{"sentences":[{"text":"And you you've just emailed that through, have you?","start":97.005,"end":99.34499,"sentiment":"neutral","sentiment_score":0.0456976770526833}],"sentiment":"neutral","sentiment_score":0.0456976770526833,"channel":1,"num_words":9,"start":97.005,"end":99.34499},{"sentences":[{"text":"Yeah.","start":99.625,"end":99.945,"sentiment":"neutral","sentiment_score":0.02462216094136238},{"text":"It should come up there shortly.","start":99.945,"end":101.565,"sentiment":"neutral","sentiment_score":-0.0012128933643301332}],"sentiment":"neutral","sentiment_score":0.0024778286793402265,"channel":0,"num_words":7,"start":99.625,"end":101.565},{"sentences":[{"text":"I've just gotta turn my phone off, so I'll probably lose you off Bluetooth.","start":104.08,"end":106.979996,"sentiment":"neutral","sentiment_score":-0.17001977935433388}],"sentiment":"neutral","sentiment_score":-0.17001977935433388,"channel":1,"num_words":14,"start":104.08,"end":106.979996},{"sentences":[{"text":"Yep.","start":108.07,"end":108.23,"sentiment":"neutral","sentiment_score":-0.01618114672601223},{"text":"No.","start":108.23,"end":108.47,"sentiment":"neutral","sentiment_score":-0.05788859724998474},{"text":"That's","start":108.47,"end":108.79,"sentiment":"neutral","sentiment_score":-0.049862198531627655}],"sentiment":"neutral","sentiment_score":-0.04131064750254154,"channel":0,"num_words":3,"start":108.07,"end":108.79},{"sentences":[{"text":"Sorry.","start":108.64,"end":108.96,"sentiment":"neutral","sentiment_score":-0.06276440620422363}],"sentiment":"neutral","sentiment_score":-0.06276440620422363,"channel":1,"num_words":1,"start":108.64,"end":108.96},{"sentences":[{"text":"fine.","start":108.79,"end":109.29,"sentiment":"neutral","sentiment_score":-0.004652842879295349}],"sentiment":"neutral","sentiment_score":-0.004652842879295349,"channel":0,"num_words":1,"start":108.79,"end":109.29},{"sentences":[{"text":"Turn 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correct.","start":408.875,"end":409.67502,"sentiment":"neutral","sentiment_score":0.28893448412418365},{"text":"Yeah.","start":409.67502,"end":410.17502,"sentiment":"neutral","sentiment_score":0.14648281037807465}],"sentiment":"neutral","sentiment_score":0.2277817726135254,"channel":1,"num_words":4,"start":408.635,"end":410.17502},{"sentences":[{"text":"As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you.","start":410.46,"end":429.565,"sentiment":"neutral","sentiment_score":0.09492544468605157},{"text":"Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those 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those and make sure they are all correct.","start":446.16,"end":449.44,"sentiment":"neutral","sentiment_score":0.2905811404480654},{"text":"But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile.","start":449.44,"end":454.875,"sentiment":"neutral","sentiment_score":0.11922428011894226}],"sentiment":"neutral","sentiment_score":0.19243682280812466,"channel":0,"num_words":71,"start":437.19998,"end":454.875},{"sentences":[{"text":"So for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a 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investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table.","start":463.12997,"end":472.18997,"sentiment":"neutral","sentiment_score":0.14286176800727846},{"text":"Now this is skipping over the recommendation a little bit, but it'll go over the buyers and the sales there of we're recommending.","start":472.49,"end":478.365,"sentiment":"neutral","sentiment_score":0.08214313050974971},{"text":"Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific.","start":478.665,"end":486.345,"sentiment":"neutral","sentiment_score":-0.02337272865352807},{"text":"So it can sort of, over the longer term period, see a lot more volatility with what is occurring.","start":486.345,"end":491.27,"sentiment":"neutral","sentiment_score":-0.19614817358945547},{"text":"The bank hybrids are being phased out, so that's why we're recommending getting rid of 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have","start":595.275,"end":595.915,"sentiment":"neutral","sentiment_score":0.037531582017739616}],"sentiment":"neutral","sentiment_score":0.037531582017739616,"channel":0,"num_words":3,"start":595.275,"end":595.915},{"sentences":[{"text":"Alright.","start":595.715,"end":596.215,"sentiment":"neutral","sentiment_score":0.046892523765563965}],"sentiment":"neutral","sentiment_score":0.046892523765563965,"channel":1,"num_words":1,"start":595.715,"end":596.215},{"sentences":[{"text":"any questions in regards to that sort of investment change there at all?","start":595.915,"end":600.33,"sentiment":"neutral","sentiment_score":0.03715493042881672}],"sentiment":"neutral","sentiment_score":0.03715493042881672,"channel":0,"num_words":13,"start":595.915,"end":600.33},{"sentences":[{"text":"No.","start":600.59503,"end":600.835,"sentiment":"neutral","sentiment_score":-0.1566603034734726},{"text":"It all sounds pretty 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as","start":655.71497,"end":656.19495,"sentiment":"neutral","sentiment_score":-0.042773302644491196}],"sentiment":"neutral","sentiment_score":0.12217672556638717,"channel":0,"num_words":25,"start":650.435,"end":656.19495},{"sentences":[{"text":"Yep.","start":656.155,"end":656.655,"sentiment":"neutral","sentiment_score":-0.040218286216259}],"sentiment":"neutral","sentiment_score":-0.040218286216259,"channel":1,"num_words":1,"start":656.155,"end":656.655},{"sentences":[{"text":"I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone","start":656.19495,"end":666.55,"sentiment":"neutral","sentiment_score":-0.18310127034783363}],"sentiment":"neutral","sentiment_score":-0.18310127034783363,"channel":0,"num_words":40,"start":656.19495,"end":666.55},{"sentences":[{"text":"Yep.","start":666.48004,"end":666.88,"sentiment":"neutral","sentiment_score":-0.08177327364683151},{"text":"Yep.","start":666.88,"end":667.38,"sentiment":"neutral","sentiment_score":-0.03589385002851486}],"sentiment":"neutral","sentiment_score":-0.05883356183767319,"channel":1,"num_words":2,"start":666.48004,"end":667.38},{"sentences":[{"text":"until that was the sort of stop and they do recover.","start":667.00995,"end":669.32996,"sentiment":"neutral","sentiment_score":-0.16491835022514517},{"text":"So we are still on a bit of that dip phase.","start":669.32996,"end":671.35,"sentiment":"neutral","sentiment_score":-0.21247365257956766},{"text":"The risk we're sort of selling and buying in that phase is obviously it can be a bit more volatile as well in terms of, like, the market jumps and dips.","start":671.685,"end":677.945,"sentiment":"negative","sentiment_score":-0.348575716537814},{"text":"So if you were to sort of take on the investment recommendation selling to cash for those investments, there is a chance in that time frame too that the markets either go up or down.","start":678.165,"end":687.7,"sentiment":"neutral","sentiment_score":-0.2002314982669694},{"text":"Now if they go up, it means you might lose a bit in terms of you sold a bit lower and bought a bit higher.","start":687.7,"end":691.94,"sentiment":"neutral","sentiment_score":-0.29406435072422027}],"sentiment":"neutral","sentiment_score":-0.25944133142454434,"channel":0,"num_words":113,"start":667.00995,"end":691.94},{"sentences":[{"text":"But if it goes down, it obviously works the other way.","start":691.94,"end":694.26,"sentiment":"neutral","sentiment_score":-0.245860293507576},{"text":"That's just 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of a little bit negligible.","start":695.7,"end":698.76,"sentiment":"neutral","sentiment_score":-0.25455530331684995},{"text":"We did also consider there","start":700.895,"end":702.415,"sentiment":"neutral","sentiment_score":-0.05587674826383591}],"sentiment":"neutral","sentiment_score":-0.19936681580212381,"channel":0,"num_words":18,"start":695.7,"end":702.415},{"sentences":[{"text":"Yep.","start":702.3825,"end":702.8825,"sentiment":"neutral","sentiment_score":-0.040927112102508545}],"sentiment":"neutral","sentiment_score":-0.040927112102508545,"channel":1,"num_words":1,"start":702.3825,"end":702.8825},{"sentences":[{"text":"for you, as I said, moving you to Australian super in terms of that, but you would pay the total capital gains cost if you were to sort of sell down fully and move out.","start":702.415,"end":712.44,"sentiment":"neutral","sentiment_score":-0.17633896214621408},{"text":"You also just have less access to visibility reporting features of the platform that you could take advantage of under Hub 20 four, and then you","start":713.0,"end":720.52,"sentiment":"neutral","sentiment_score":-0.04098973867411797}],"sentiment":"neutral","sentiment_score":-0.11864912919089442,"channel":0,"num_words":61,"start":702.415,"end":720.52},{"sentences":[{"text":"Yes.","start":720.505,"end":721.005,"sentiment":"neutral","sentiment_score":0.08501467853784561}],"sentiment":"neutral","sentiment_score":0.08501467853784561,"channel":1,"num_words":1,"start":720.505,"end":721.005},{"sentences":[{"text":"also wouldn't have, as as advisers there as well.","start":720.52,"end":723.5,"sentiment":"neutral","sentiment_score":-0.055329372071557574},{"text":"And as I said, feel free to have a look through it and see if you are comfortable with it once you get home, have a 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anything.","start":735.60504,"end":737.625,"sentiment":"neutral","sentiment_score":-0.22429940551519395},{"text":"But,","start":737.92505,"end":738.085,"sentiment":"neutral","sentiment_score":-0.04159002751111984}],"sentiment":"neutral","sentiment_score":-0.0062705067599692,"channel":0,"num_words":41,"start":728.885,"end":738.085},{"sentences":[{"text":"No.","start":737.995,"end":738.235,"sentiment":"neutral","sentiment_score":-0.15786287188529968}],"sentiment":"neutral","sentiment_score":-0.15786287188529968,"channel":1,"num_words":1,"start":737.995,"end":738.235},{"sentences":[{"text":"obviously","start":738.085,"end":738.585,"sentiment":"neutral","sentiment_score":-0.09657609462738036}],"sentiment":"neutral","sentiment_score":-0.09657609462738036,"channel":0,"num_words":1,"start":738.085,"end":738.585},{"sentences":[{"text":"I think I'm gonna stay and yeah.","start":738.235,"end":740.95496,"sentiment":"neutral","sentiment_score":0.022065848112106323},{"text":"Just yeah.","start":740.95496,"end":742.095,"sentiment":"neutral","sentiment_score":0.18953441083431244},{"text":"I'm just we're definitely gonna stay already inside of that.","start":742.39496,"end":745.035,"sentiment":"neutral","sentiment_score":0.30922831892967223},{"text":"So I just wanna go ahead.","start":745.035,"end":746.95496,"sentiment":"neutral","sentiment_score":0.2837895502646764},{"text":"Yeah.","start":746.95496,"end":747.45496,"sentiment":"neutral","sentiment_score":0.1917039453983307}],"sentiment":"neutral","sentiment_score":0.21231746902832618,"channel":1,"num_words":26,"start":738.235,"end":747.45496},{"sentences":[{"text":"okay.","start":747.45996,"end":747.86,"sentiment":"neutral","sentiment_score":0.2132191061973572},{"text":"Not a problem.","start":747.86,"end":748.5,"sentiment":"neutral","sentiment_score":0.303560346364975},{"text":"We'll at least have a a read through this afternoon","start":748.5,"end":750.5,"sentiment":"neutral","sentiment_score":0.24373057782649993}],"sentiment":"neutral","sentiment_score":0.25437185168266296,"channel":0,"num_words":14,"start":747.45996,"end":750.5},{"sentences":[{"text":"Yeah.","start":750.48,"end":750.72,"sentiment":"neutral","sentiment_score":0.28222376108169556}],"sentiment":"neutral","sentiment_score":0.28222376108169556,"channel":1,"num_words":1,"start":750.48,"end":750.72},{"sentences":[{"text":"if you","start":750.5,"end":750.74,"sentiment":"neutral","sentiment_score":0.2419677898287773}],"sentiment":"neutral","sentiment_score":0.2419677898287773,"channel":0,"num_words":2,"start":750.5,"end":750.74},{"sentences":[{"text":"I","start":750.72,"end":750.88,"sentiment":"neutral","sentiment_score":0.3112396001815796}],"sentiment":"neutral","sentiment_score":0.3112396001815796,"channel":1,"num_words":1,"start":750.72,"end":750.88},{"sentences":[{"text":"are","start":750.74,"end":750.89996,"sentiment":"neutral","sentiment_score":0.2957710027694702}],"sentiment":"neutral","sentiment_score":0.2957710027694702,"channel":0,"num_words":1,"start":750.74,"end":750.89996},{"sentences":[{"text":"will.","start":750.88,"end":751.12,"sentiment":"neutral","sentiment_score":0.26482030749320984}],"sentiment":"neutral","sentiment_score":0.26482030749320984,"channel":1,"num_words":1,"start":750.88,"end":751.12},{"sentences":[{"text":"gonna","start":750.89996,"end":751.13995,"sentiment":"neutral","sentiment_score":0.18544001877307892}],"sentiment":"neutral","sentiment_score":0.18544001877307892,"channel":0,"num_words":1,"start":750.89996,"end":751.13995},{"sentences":[{"text":"Absolutely.","start":751.12,"end":751.62,"sentiment":"positive","sentiment_score":0.42914479970932007}],"sentiment":"positive","sentiment_score":0.42914479970932007,"channel":1,"num_words":1,"start":751.12,"end":751.62},{"sentences":[{"text":"go ahead, and then once you sort of sign, I'll initiate those trades and then that investment switch will go ahead.","start":751.13995,"end":756.45496,"sentiment":"neutral","sentiment_score":0.32217851990745183}],"sentiment":"neutral","sentiment_score":0.32217851990745183,"channel":0,"num_words":21,"start":751.13995,"end":756.45496},{"sentences":[{"text":"Yep.","start":756.96,"end":757.46,"sentiment":"neutral","sentiment_score":0.1886357069015503}],"sentiment":"neutral","sentiment_score":0.1886357069015503,"channel":1,"num_words":1,"start":756.96,"end":757.46},{"sentences":[{"text":"As far as, like, the active management, as I said, we got rid of that for now.","start":757.875,"end":760.755,"sentiment":"neutral","sentiment_score":-0.08154073489062927},{"text":"It's not something you can sort of you can look at putting it back in the future.","start":760.755,"end":763.71497,"sentiment":"neutral","sentiment_score":-0.166475306977244},{"text":"That's fine.","start":763.71497,"end":764.195,"sentiment":"neutral","sentiment_score":0.08698630705475807},{"text":"But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side.","start":764.195,"end":769.29,"sentiment":"neutral","sentiment_score":-0.29695494861706445},{"text":"And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong.","start":769.29,"end":773.82996,"sentiment":"neutral","sentiment_score":-0.2471484946353095}],"sentiment":"neutral","sentiment_score":-0.20077977878972889,"channel":0,"num_words":80,"start":757.875,"end":773.82996},{"sentences":[{"text":"Bennelong 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in?","start":955.36,"end":955.92,"sentiment":"neutral","sentiment_score":-0.013354911158482233},{"text":"Like, another six months?","start":955.92,"end":957.2,"sentiment":"neutral","sentiment_score":0.0021514669060707092},{"text":"Or","start":957.2,"end":957.7,"sentiment":"neutral","sentiment_score":0.016145583242177963}],"sentiment":"neutral","sentiment_score":-0.0019141603261232376,"channel":1,"num_words":8,"start":955.36,"end":957.7},{"sentences":[{"text":"As I said, like, you can have a six month catch up.","start":958.82996,"end":961.31,"sentiment":"neutral","sentiment_score":0.038870301408072315},{"text":"Given that everything is happening, even with the change, there's a chance, like, with everything going on that it still might be a bit stagnant in terms of what's happening in the markets in that six months' 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yeah, you get a little bit more peace of mind even if it is just a conversation versus, like, each twelve months","start":993.7,"end":999.135,"sentiment":"positive","sentiment_score":0.527113711056502}],"sentiment":"positive","sentiment_score":0.527113711056502,"channel":0,"num_words":23,"start":993.7,"end":999.135},{"sentences":[{"text":"Yep.","start":998.97,"end":999.47,"sentiment":"positive","sentiment_score":0.3754957914352417}],"sentiment":"positive","sentiment_score":0.3754957914352417,"channel":1,"num_words":1,"start":998.97,"end":999.47},{"sentences":[{"text":"at year review.","start":999.135,"end":999.955,"sentiment":"neutral","sentiment_score":0.306502362092336},{"text":"And then sort of you can be a little bit more on top of, like, world events and things like that and how you feel about it and 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have the the time for just given to the time for my next booking there.","start":1133.6951,"end":1144.8151,"sentiment":"neutral","sentiment_score":-0.12949787589108072},{"text":"But feel free to have a read through of that.","start":1144.8151,"end":1146.71,"sentiment":"neutral","sentiment_score":0.07387461885809898},{"text":"If you have any questions, feel free to I'll shoot in your quick email after this that you can respond to with any questions, or you can just","start":1146.71,"end":1152.5499,"sentiment":"neutral","sentiment_score":0.14140438794025353}],"sentiment":"neutral","sentiment_score":0.005706107090501224,"channel":0,"num_words":85,"start":1131.935,"end":1152.5499},{"sentences":[{"text":"Yep.","start":1152.545,"end":1153.045,"sentiment":"neutral","sentiment_score":0.09426068514585496}],"sentiment":"neutral","sentiment_score":0.09426068514585496,"channel":1,"num_words":1,"start":1152.545,"end":1153.045},{"sentences":[{"text":"respond to that link that we've got going or the 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go through everything ASAP just so we can get the ball rolling.","start":1180.825,"end":1183.625,"sentiment":"neutral","sentiment_score":0.18695520208432123},{"text":"So if I've got any questions, I'll reply back to you.","start":1183.625,"end":1187.085,"sentiment":"neutral","sentiment_score":0.12985103983770718},{"text":"I mean, I'm sure a lot of it's gonna go over my head anyway.","start":1187.225,"end":1190.5249,"sentiment":"neutral","sentiment_score":0.06799050952707018},{"text":"But, yeah, if there's any questions there, I'll I'll email back to you.","start":1191.97,"end":1195.99,"sentiment":"neutral","sentiment_score":0.1358267796727327}],"sentiment":"neutral","sentiment_score":0.1289489085183424,"channel":1,"num_words":51,"start":1180.825,"end":1195.99},{"sentences":[{"text":"Yeah.","start":1196.15,"end":1196.47,"sentiment":"neutral","sentiment_score":0.05671872943639755},{"text":"It can be a lot like, a lot of words coming coming 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change.","start":1261.9901,"end":1264.495,"sentiment":"neutral","sentiment_score":-0.09651501352588336},{"text":"Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to","start":1264.555,"end":1277.29,"sentiment":"neutral","sentiment_score":-0.08512188608896125}],"sentiment":"neutral","sentiment_score":-0.08626119883265346,"channel":0,"num_words":60,"start":1261.9901,"end":1277.29},{"sentences":[{"text":"Yes.","start":1277.2849,"end":1277.7849,"sentiment":"neutral","sentiment_score":0.044479355216026306}],"sentiment":"neutral","sentiment_score":0.044479355216026306,"channel":1,"num_words":1,"start":1277.2849,"end":1277.7849},{"sentences":[{"text":"retire at the age of 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a look through that, feel free to, like, give us a a message there, and I'll try and organize a time.","start":1382.9451,"end":1392.16,"sentiment":"neutral","sentiment_score":0.09050349634442781},{"text":"If not, I'll try and respond via the email to give you a bit of insight into what you may be inquiring about.","start":1392.16,"end":1397.14,"sentiment":"neutral","sentiment_score":0.06087218038737774}],"sentiment":"neutral","sentiment_score":0.08030977521519192,"channel":0,"num_words":61,"start":1382.145,"end":1397.14},{"sentences":[{"text":"Alright.","start":1397.52,"end":1397.9199,"sentiment":"neutral","sentiment_score":0.13208743929862976},{"text":"No worries.","start":1397.9199,"end":1398.5599,"sentiment":"neutral","sentiment_score":0.2088378146290779},{"text":"Alright.","start":1398.5599,"end":1399.0599,"sentiment":"positive","sentiment_score":0.3617105484008789},{"text":"Thank you very much for acting so quickly, and I'll get a have a look over these documents and go from there.","start":1399.36,"end":1406.055,"sentiment":"positive","sentiment_score":0.6510021469809792}],"sentiment":"positive","sentiment_score":0.5859046480976619,"channel":1,"num_words":26,"start":1397.52,"end":1406.055},{"sentences":[{"text":"Not a problem at all, Lisa.","start":1406.575,"end":1408.115,"sentiment":"positive","sentiment_score":0.447278360525767},{"text":"And, yeah, once that's signed, I'll be sort of I'll put a note on here to action yours quite quickly if you were happy with everything as","start":1408.335,"end":1414.335,"sentiment":"positive","sentiment_score":0.37953241886915984}],"sentiment":"positive","sentiment_score":0.3918498628067248,"channel":0,"num_words":33,"start":1406.575,"end":1414.335},{"sentences":[{"text":"Yep.","start":1414.275,"end":1414.675,"sentiment":"positive","sentiment_score":0.33843836188316345}],"sentiment":"positive","sentiment_score":0.33843836188316345,"channel":1,"num_words":1,"start":1414.275,"end":1414.675},{"sentences":[{"text":"well.","start":1414.335,"end":1414.495,"sentiment":"positive","sentiment_score":0.41458940505981445},{"text":"Try","start":1414.495,"end":1414.735,"sentiment":"positive","sentiment_score":0.43299365043640137}],"sentiment":"positive","sentiment_score":0.4237915277481079,"channel":0,"num_words":2,"start":1414.335,"end":1414.735},{"sentences":[{"text":"That'd","start":1414.675,"end":1414.915,"sentiment":"positive","sentiment_score":0.6568275690078735}],"sentiment":"positive","sentiment_score":0.6568275690078735,"channel":1,"num_words":1,"start":1414.675,"end":1414.915},{"sentences":[{"text":"and keep","start":1414.735,"end":1415.135,"sentiment":"positive","sentiment_score":0.6466590762138367}],"sentiment":"positive","sentiment_score":0.6466590762138367,"channel":0,"num_words":2,"start":1414.735,"end":1415.135},{"sentences":[{"text":"be","start":1414.915,"end":1415.155,"sentiment":"positive","sentiment_score":0.761929988861084}],"sentiment":"positive","sentiment_score":0.761929988861084,"channel":1,"num_words":1,"start":1414.915,"end":1415.155},{"sentences":[{"text":"it","start":1415.135,"end":1415.43,"sentiment":"positive","sentiment_score":0.7439848780632019}],"sentiment":"positive","sentiment_score":0.7439848780632019,"channel":0,"num_words":1,"start":1415.135,"end":1415.43},{"sentences":[{"text":"great.","start":1415.155,"end":1415.61,"sentiment":"positive","sentiment_score":0.7654663324356079}],"sentiment":"positive","sentiment_score":0.7654663324356079,"channel":1,"num_words":1,"start":1415.155,"end":1415.61},{"sentences":[{"text":"moving.","start":1415.91,"end":1416.39,"sentiment":"positive","sentiment_score":0.42325714230537415}],"sentiment":"positive","sentiment_score":0.42325714230537415,"channel":0,"num_words":1,"start":1415.91,"end":1416.39},{"sentences":[{"text":"Yep.","start":1416.09,"end":1416.59,"sentiment":"neutral","sentiment_score":0.24215051531791687}],"sentiment":"neutral","sentiment_score":0.24215051531791687,"channel":1,"num_words":1,"start":1416.09,"end":1416.59},{"sentences":[{"text":"Yeah.","start":1416.39,"end":1416.89,"sentiment":"neutral","sentiment_score":0.2201884388923645},{"text":"Not a problem.","start":1417.1101,"end":1417.8501,"sentiment":"neutral","sentiment_score":0.26423777143160504},{"text":"But anything else, Lisa, feel free to reach out.","start":1417.9901,"end":1419.75,"sentiment":"neutral","sentiment_score":0.16374718646208444},{"text":"Otherwise, I'll let you get back to your afternoon.","start":1419.75,"end":1421.1101,"sentiment":"neutral","sentiment_score":0.25905151499642265},{"text":"Enjoy the right time.","start":1421.1101,"end":1422.17,"sentiment":"positive","sentiment_score":0.47841210663318634}],"sentiment":"neutral","sentiment_score":0.2589130189556342,"channel":0,"num_words":26,"start":1416.39,"end":1422.17},{"sentences":[{"text":"Alright.","start":1422.49,"end":1422.8099,"sentiment":"neutral","sentiment_score":0.2509714365005493},{"text":"No worries.","start":1422.8099,"end":1423.29,"sentiment":"neutral","sentiment_score":0.3187877684831619},{"text":"Thanks very much.","start":1423.29,"end":1424.27,"sentiment":"positive","sentiment_score":0.6575754682223002}],"sentiment":"positive","sentiment_score":0.47687889635562897,"channel":1,"num_words":6,"start":1422.49,"end":1424.27},{"sentences":[{"text":"Thank you.","start":1424.4701,"end":1425.03,"sentiment":"positive","sentiment_score":0.6074481010437012},{"text":"Bye now.","start":1425.03,"end":1425.6901,"sentiment":"positive","sentiment_score":0.3914761394262314}],"sentiment":"positive","sentiment_score":0.4994621202349663,"channel":0,"num_words":4,"start":1424.4701,"end":1425.6901},{"sentences":[{"text":"Thanks.","start":1425.45,"end":1425.9299,"sentiment":"positive","sentiment_score":0.4378706216812134},{"text":"Bye.","start":1425.9299,"end":1426.4299,"sentiment":"neutral","sentiment_score":0.18916040658950808}],"sentiment":"neutral","sentiment_score":0.3135155141353607,"channel":1,"num_words":2,"start":1425.45,"end":1426.4299}]},"summary":{"result":"success","short":"Lisa spoke with Elisa about her investment account and was advised on risk profiles and investments. They discussed the risks of selling and buying in the dip phase and the importance of staying within the current risk profile. The speaker emphasizes the need to stay within the current risk profile and mentions the possibility of moving to a different risk profile. They also discussed the process of transferring an investment change and the importance of maintaining a peace of mind and regular service agreements. The agent provided information on the investment committee and the risk management process, and suggested retirement to mitigate the dip and reduce risk."},"intents":{"segments":[{"text":"I don't know what happened. It just anyway, I don't know why it did my phone didn't ring. Yeah. It just went straight to MessageBank both times, so I'm unsure as to why. Yeah.","start_word":10,"end_word":43,"intents":[{"intent":"Resolve issue","confidence_score":0.0055803023}]},{"text":"So current situation to an Australian super high growth fund, Yep. where typically, the the general default is around a growth. So if you were to go to Australian super and get just the default Australian super, it's important to sorta evaluate your risk and what sort of level of exposure you would have. And then that Yep.","start_word":539,"end_word":596,"intents":[{"intent":"Evaluate risk and exposure","confidence_score":0.06315564}]},{"text":"Obviously, I can't say too much about what your discussions you have with your adviser and that level of risk on taking on those managed funds and having that active portion and that allocation to that.","start_word":1063,"end_word":1098,"intents":[{"intent":"Address concerns about adviser's actions and decisions","confidence_score":3.0189273e-7},{"intent":"Discuss retirement options and future plans for managing debt","confidence_score":2.0033276e-7}]},{"text":"As far as limited scoping, it touches on the salary sacrifice being included, but not making any changes because, obviously, you don't want to look at that at this time. As Yep.","start_word":1177,"end_word":1208,"intents":[{"intent":"Assist with financial planning and rescheduling","confidence_score":0.0035853428},{"intent":"Discuss limited scopeing and budgeting","confidence_score":0.0009153956}]},{"text":"As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you.","start_word":1274,"end_word":1339,"intents":[{"intent":"Recommend retaining hub twenty four","confidence_score":0.009766492},{"intent":"Assist with estate planning","confidence_score":0.0011271528}]},{"text":"Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those up. We can Yep. obviously just Yep. make the recommendation that you implement those.","start_word":1341,"end_word":1381,"intents":[{"intent":"Recommend implementation of wills and power of attorney","confidence_score":0.096452236}]},{"text":"But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile. So for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth Yep. portfolio.","start_word":1421,"end_word":1470,"intents":[{"intent":"Provide risk profile information","confidence_score":0.0004398925}]},{"text":"So for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth Yep. portfolio.","start_word":1445,"end_word":1470,"intents":[{"intent":"Discuss netball portfolio","confidence_score":0.0000013537974}]},{"text":"Now as far as the investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table.","start_word":1472,"end_word":1496,"intents":[{"intent":"Explain investment changes","confidence_score":0.002947669}]},{"text":"Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific. So it can sort of, over the longer term period, see a lot more volatility with what is occurring. The bank hybrids are being phased out, so that's why we're recommending getting rid of those.","start_word":1520,"end_word":1581,"intents":[{"intent":"Prefer lithium tech removal of bank hybrids","confidence_score":0.0000415918}]},{"text":"Now as far as the the Benelung itself, because it is an Australian equities and is that managed fund and, obviously, what did occur with it, we're recommending you remove that. You'd crystallize the losses, but then you can use those forwards for those investment changes to ensure that you're not paying capital gains moving forward for that loss and the changes in your investment.","start_word":1604,"end_word":1668,"intents":[{"intent":"Explain benelung's financial benefits","confidence_score":0.0000033652473}]},{"text":"would have the beta shares Australian 200, which is an Australian index, the top 200 companies there. That means you have a nice exposure in Australia still, but it's in the market index.","start_word":1673,"end_word":1705,"intents":[{"intent":"Provide information on benelung and its exposure","confidence_score":0.0000011619927}]},{"text":"So when you move from the actively managed sort of funds towards a more passive index approach, it means that you're just tracking what the market's doing. You're not trying to outperform it. You're just trying to follow it. Now with everything that is occurring, that sort of might be a little bit stagnant at least for the next few months while that war is occurring. Yes.","start_word":1767,"end_word":1833,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.06981637}]},{"text":"I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone Yep.","start_word":2173,"end_word":2213,"intents":[{"intent":"Evaluate market dynamics","confidence_score":0.0024588327}]},{"text":"But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side. And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong.","start_word":2615,"end_word":2658,"intents":[{"intent":"Assess market choices","confidence_score":0.000014665845}]},{"text":"Obviously, the risk with investments, though, is that there isn't a guarantee that the recommended will sort of perform as in, like, the historical performance is an indicative of future performance. But based on the markets, the regions, the diversification at home, you would a 100% be saving in terms of if you stay where you were versus moving to the recommended investment and which compounds towards your growth as well, if that makes sense. Yep.","start_word":2881,"end_word":2956,"intents":[{"intent":"Evaluate market performance","confidence_score":0.009862656}]},{"text":"And then with the managed funds that take a little bit longer from the exchange traded funds you do have, it might be a little bit quicker. But in saying that as well, a key portion of your portfolio is staying with the S and P 500, which means that you're not selling that, so you wouldn't have that out of the market. Excuse me.","start_word":3141,"end_word":3205,"intents":[{"intent":"Manage portfolios","confidence_score":0.0008182044},{"intent":"Discuss strategies","confidence_score":0.00013289001}]},{"text":"you reckon in? Like, another six months?","start_word":3302,"end_word":3308,"intents":[{"intent":"Check-in","confidence_score":0.19028519}]},{"text":"you can definitely get booked in for a six month catch up just to review it and see how it's going and see how that compares to the market and things like that and see how Yep. you feel about it.","start_word":3362,"end_word":3402,"intents":[{"intent":"Review market","confidence_score":0.44266093}]},{"text":"And then with that, if you were to be happy as well, given that we sort of did go through a bit of a review there, it's sort of due for your annual review around the fourth as well. So we can, if you were to sign everything, just organize an ongoing service agreement and then just review in six months to see if you were still happy to stay on board Yep.","start_word":3901,"end_word":3973,"intents":[{"intent":"Review and agree","confidence_score":0.003951664}]},{"text":"with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have.","start_word":4094,"end_word":4115,"intents":[{"intent":"Discuss issues","confidence_score":0.012428432}]},{"text":"with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have. But otherwise, have a bit of a read through, see if you're happy with it, but it is quite simple in terms of it is just that investment update there. And then all those investments are listed in that appendix for you to have a look at. Yep.","start_word":4094,"end_word":4163,"intents":[{"intent":"Discuss investments","confidence_score":0.035940766}]},{"text":"Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to Yes. retire at the age of 67.","start_word":4479,"end_word":4539,"intents":[{"intent":"Address retirement concerns","confidence_score":0.00074613316}]},{"text":"So within things like the GSE, if you were to sort of try and sell out and buy in, you sort of run the risk of that market timing.","start_word":4541,"end_word":4569,"intents":[{"intent":"Evaluate market timing","confidence_score":0.13014379}]}]},"sentiments":{"segments":[{"text":"Hi, Lisa.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.2247752845287323},{"text":"Thanks for calling back.","start_word":2,"end_word":5,"sentiment":"positive","sentiment_score":0.5678826570510864},{"text":"Hi. Sorry about that.","start_word":6,"end_word":9,"sentiment":"neutral","sentiment_score":-0.2304585576057434},{"text":"I don't know what happened. It just anyway, I don't know why it did my phone didn't ring.","start_word":10,"end_word":27,"sentiment":"negative","sentiment_score":-0.3786821663379669},{"text":"Yeah. It just went straight to MessageBank both times, so I'm unsure as to why. Yeah. I'm in a car, so I'm not too sure. Yeah. Anyways, I've got you now. Sorry. I won't waste any more of your time. No. That's perfectly fine, Elisa. So I understand you did change address there from what they told me there as well. Was that so it's 5 Arthur Street. Is that correct? Yeah. Number so I've moved. It's Number 5 Arthur Street in Aberfeldy. Okay. Not a problem. I'll just make sure that's updated in the workbook as well. With that, I'll get the the team there to update that on your account just so that reflects. And then with the advice piece, it doesn't actually list your your current address, so that's fine in terms of your details. Now with the advice piece there, Lisa, I'll just be sending that to your your current email, which would be lisa.wild355@gmail.com. Yeah. That's correct. Yep. Perfect. There I know in regards to what we discussed, it was mainly just in regards to looking at the investment update. So we'll send that through. Obviously, you're driving, so you can't have a look at it at the moment. Actually, But I can pull right over. Hang on. Just give me, like, five seconds, and I'll just pull over. Yeah. Okay. No problem. And you you've just emailed that through, have you? Yeah. It should come up there shortly. I've just gotta turn my phone off, so I'll probably lose you off Bluetooth. Yep. No. That's Sorry. fine. Turn my car up. Yep. No worries. Alright. You there? Yep. Still here. Yeah. That's right. Perfect. Sorry. Pull up the email. It'll be via Odoo, so it's a bit of a different signing service to what you've used probably previously. And then with that, you'll have the attachments there as well as the signable link if you were happy to go ahead with the recommendation. Now, obviously, I know you were a little bit concerned about, obviously, what has happened previously, and I explained what I could do for you, which was look at the investments there and look at an update there for you. In the appendix as well there, Lisa, I have chucked in there a comparison to Australian Super Yep. to have a look at, in terms of comparisons, if you were, in that fund. Now within that one there, it's a little bit, different in terms of, like, the asset allocations. Now when we did compare the Australian Super to the growth portfolio, and currently, it just worked out that the Australian Super high growth was more in line with sort of the growth portfolio that you're currently in and then sort of what we'd be recommending in line with sort of Okview's in investment philosophy there. It's what's a growth portfolio. Now Yes. with that, it compares for that like for like in the appendix that I'm referring to your current versus the recommend sort of what your Australian super would be. So current situation to an Australian super high growth fund, Yep. where typically, the the general default is around a growth. So if you were to go to Australian super and get just the default Australian super, it's important to sorta evaluate your risk and what sort of level of exposure you would have. And then that Yep. sorta shows you the cost of that.","start_word":28,"end_word":603,"sentiment":"neutral","sentiment_score":0.044449267976839714},{"text":"Now within regards to performance, it was performing slightly worse over a five year period, but in saying that you got a Yes.","start_word":604,"end_word":626,"sentiment":"negative","sentiment_score":-0.37216100096702576},{"text":"Canon to adviser fees. So given your current situation versus being an Australian super, it'd be sort of, like, on par or maybe sort of depending like, obviously, your portfolio and the times you've been invested, this is based on rolling average figures might be sort of better off in one or the other versus the recommended that we are recommending with the updated portfolio.","start_word":627,"end_word":691,"sentiment":"neutral","sentiment_score":0.029865621947325192},{"text":"It works out that the performance historically has been a bit better in terms of the the rolling averages there, around 13% versus, like, a 9% for the Australian super.","start_word":692,"end_word":721,"sentiment":"positive","sentiment_score":0.4124748408794403},{"text":"And then the Yep. investment cost is a lot more in Australian super. And then, obviously, still the adviser fee is higher, but then you also do have access to the other services here, Oakview Financial, as a part of, like, the ongoing fee. It's not just the management cost that's included with that one. And then Yep. you'll also Okay. be able to see in the appendix the recommended investments there and that I'm recommending as a part of your portfolio update. So that is the appendix. I thought I'd just mention that first just because there are those comparisons to Australian Super for you because I know that's Yep. the fund you were sort of considering. As far as the advice piece itself, can you see the that email now there with the statement of advice? I'm just trying to go through it now. Sorry. Yeah. No. That's fine. Did you click under the statement of advice, or did you go to the appendix there? I think I've gone to the appendix. Okay. Sorry. No. That's Let that's me get out fine. of here. Oh, statement advice. There it is there. Yep. Yeah. So with that one, these documents created for yourself. Obviously, it's quite limited in the scoping because we were mainly looking just at the investment side of things, and I thought I'd just mention they're the estate planning side of things just because I know you didn't have all your estate planning matters in place. Just as a reminder there in regards to wills and estate and, like, power of attorney. Yep. As far as superannuation, it's quite clear on why you wanted that reviewed given what happened with Ben Long. You had quite a high allocation to that. Now, obviously, Yep. I wasn't the adviser that did that for you. So it's sort of the first time we've spoken. So within regards to that, looking at adjusting that and making sure moving forward, that wouldn't be an issue as to sort of what happened previously. Obviously, I can't say too much about what your discussions you have with your adviser and that level of risk on taking on those managed funds and having that active portion and that allocation to that.","start_word":722,"end_word":1098,"sentiment":"neutral","sentiment_score":0.033331550576227574},{"text":"I can sort of only do going forward. And then sort of if you feel going from this that you still wanna sort of part ways, that's more than fine.","start_word":1099,"end_word":1128,"sentiment":"positive","sentiment_score":0.3859125077724457},{"text":"You don't have to dodge the calls.","start_word":1129,"end_word":1135,"sentiment":"neutral","sentiment_score":0.2803018391132355},{"text":"We'll still assist you on that journey there as well, Lisa.","start_word":1136,"end_word":1146,"sentiment":"positive","sentiment_score":0.5562960505485535},{"text":"But, obviously, this advice updates to hopefully put you in a better position based on if you were to stay here at Okay. Alright. Let's just go ahead. Financial. Yep. As far as limited scoping, it touches on the salary sacrifice being included, but not making any changes because, obviously, you don't want to look at that at this time. As Yep. far as not having insurances, we're not reviewing that because you didn't want to at the moment. Same with the Yep. budgeting and debt management. Yep.","start_word":1147,"end_word":1234,"sentiment":"neutral","sentiment_score":-0.03593381121754646},{"text":"You're happy sort of with your own budget at the moment and managing your own debt with that consolidation with the new property per purchase and paying down that debt to, like, your Yep.","start_word":1235,"end_word":1268,"sentiment":"positive","sentiment_score":0.4071587026119232},{"text":"retirement. Yep. That's correct. Yeah. As far as the advice there, it is quite limited to, as I said, the superannuation and to the estate planning side of things that you will be able to see there that the advice is quite straightforward in terms of recommending retaining hub twenty four and then just changing those underlying investments and then establishing a will and a power of attorney there for you. Now with, obviously, regards to wills and power of attorney, they're solicitor's jobs, so you do have to consult with solicitor to be able to set those up. We can Yep. obviously just Yep. make the recommendation that you implement those.","start_word":1269,"end_word":1380,"sentiment":"neutral","sentiment_score":0.10045362377007092},{"text":"So that's fine.","start_word":1381,"end_word":1383,"sentiment":"positive","sentiment_score":0.35400259494781494},{"text":"As far as your details, that'll be on page eight and nine in terms of your current situation and balance. So please feel free to have a look over those and make sure they are all correct. But in regards to risk profile, you did score as a growth risk profile, and then we're keeping you in a growth risk profile. So for Oakview, it's around 80% growth assets, about 20% defensive in terms of, like, what they sort of aim for for a growth Yep. portfolio. Yep. Now as far as the investment itself, you will be able to see all the changes there on pages fifteen and sixteen in a table. Now this is skipping over the recommendation a little bit, but it'll go over the buyers and the sales there of we're recommending. Now, that even lithium tech that you did hold has been performing quite well, but it is quite centralized in the sense that it's quite industry specific. So it can sort of, over the longer term period, see a lot more volatility with what is occurring. The bank hybrids are being phased out, so that's why we're recommending getting rid of those. As far as the gold and the cybersecurity side of things, we're looking at keeping a portion in that for you. Yep. Now as far as the the Benelung itself, because it is an Australian equities and is that managed fund and, obviously, what did occur with it, we're recommending you remove that. You'd crystallize the losses, but then you can use those forwards for those investment changes to ensure that you're not paying capital gains moving forward for that loss and the changes in your investment. And then you Yep. would have the beta shares Australian 200, which is an Australian index, the top 200 companies there. That means you have a nice exposure in Australia still, but it's in the market index. You don't have that manager risk. You don't have that market volatility as much to the extent Okay. that someone's picking and choosing. It's just what the markets are doing. Obviously, at the moment, Yep. the markets are a bit down with what's happening in the wall, but Yep. that's sort of everywhere across the board. That's what the market's doing. So when you move from the actively managed sort of funds towards a more passive index approach, it means that you're just tracking what the market's doing. You're not trying to outperform it. You're just trying to follow it. Now with everything that is occurring, that sort of might be a little bit stagnant at least for the next few months while that war is occurring. Yes. But over a sustained long term period of time, it means that you get that growth of what the markets are doing over a longer period of time without the risk of trying to pick and choose winners, what sort of went wrong there with with Benelon, if Yep. that makes Okay. sense. Yep. Then you'll still have a nice amount of exposure outside The US and Australia with Japan there and then Vanguard or World. And then you'll have a nice defensive portion there in the iShares composite bond, which is a bit of fixed interest and also some debt to be able to sort of be a bit more of a defensive portion of your portfolio. Yep. Okay. Do you have Alright. any questions in regards to that sort of investment change there at all? No. It all sounds pretty good. Let's hope we can turn it around. I I mean, it it wouldn't matter if I had hundreds of thousands in there. I don't.","start_word":1384,"end_word":2000,"sentiment":"neutral","sentiment_score":0.03291033952824494},{"text":"Like, it just seems to be dwindling away.","start_word":2001,"end_word":2008,"sentiment":"negative","sentiment_score":-0.34395498037338257},{"text":"Yeah. No. Obviously, like, the rest of your portfolio wasn't horrendous in the sense that, like, the other assets weren't performing too well. It's mainly because you had such a high allocation to that Benelong Australian Equities Fund. Yes. And in a dollar figure, because it is a smaller balance, like you said, in terms of a dollar figure, you haven't lost, like, a crazy amount considered, like, what did occur. It's only around the 4,500 that Benelon did sort of lose as a investment amount. The Yep. rest of your portfolio obviously was tracking sort of alright at least for the last year until that point. Yes. Obviously, you know, the back end of COVID, there was a bit of a dip and things like that in the tariff talk at the start of the year. Yep. But, hopefully, with this, you won't have that manager risk moving forward, and then it'll just sort of track what the market's doing. Now as Yep. I said, the likelihood that the market's at least for the next, like, three or so to six months with everything that is going on, they won't sort of be, you know, too crash hot in terms of, like, anyone Yep. Yep. until that was the sort of stop and they do recover. So we are still on a bit of that dip phase.","start_word":2009,"end_word":2236,"sentiment":"neutral","sentiment_score":-0.07596475493751075},{"text":"The risk we're sort of selling and buying in that phase is obviously it can be a bit more volatile as well in terms of, like, the market jumps and dips.","start_word":2237,"end_word":2267,"sentiment":"negative","sentiment_score":-0.34483203291893005},{"text":"So if you were to sort of take on the investment recommendation selling to cash for those investments, there is a chance in that time frame too that the markets either go up or down. Now if they go up, it means you might lose a bit in terms of you sold a bit lower and bought a bit higher. But if it goes down, it obviously works the other way. That's just something Yep. to be mindful of. But Yep. over a longer term time, it's sort of a little bit negligible. We did also consider there Yep. for you, as I said, moving you to Australian super in terms of that, but you would pay the total capital gains cost if you were to sort of sell down fully and move out. You also just have less access to visibility reporting features of the platform that you could take advantage of under Hub 20 four, and then you Yes. also wouldn't have, as as advisers there as well. And as I said, feel free to have a look through it and see if you are comfortable with it once you get home, have a good Yep. read, and sort of make a decision if you'd like to take on the investment change and say, or if you sort of feel you'd be better off off work. So I don't wanna sort of press you into anything. But, No. obviously I think I'm gonna stay and yeah. Just yeah. I'm just we're definitely gonna stay already inside of that. So I just wanna go ahead. Yeah. okay. Not a problem. We'll at least have a a read through this afternoon Yeah. if you I are will. gonna Absolutely. go ahead, and then once you sort of sign, I'll initiate those trades and then that investment switch will go ahead. Yep. As far as, like, the active management, as I said, we got rid of that for now. It's not something you can sort of you can look at putting it back in the future. That's fine. But given the way things are at the moment, picking and choosing those winners is a little bit more on the risky side. And with the markets at the moment, a lot of those managed funds have taken quite a dive, not just Bennelong. Bennelong had Yep. its own specific reasons, but, obviously, you know, with the markets, you'd have those higher risk sort of shares in those funds. So when the markets do take a turn like now, they obviously do take quite a bit of a dip as well. Right. We also, Okay. yeah, we also did there have a look at just sort of keeping the investments and switching out the underperforming ones. But just with this change, it works out to be cheaper overall in terms of the cost. And then saving on that investment cost coupled with the fact that you do have those less risky investment sort of ETFs and have a bit more diversification across different industry and regions just means that hopefully going forward, you don't experience those sort of huge drops that you did there, Okay. if that makes Yep. sense. Yep. Obviously, the risk with that one is the benefit you get the lower fees.","start_word":2268,"end_word":2819,"sentiment":"neutral","sentiment_score":-0.012472945292466791},{"text":"It has a better track record historically. You get the benefits of Hub twenty four still as a retail platform. You get our service still. It is still that core satellite approach there. So hopefully moving forward, it's a little bit sort of less volatile and then sort of just that sustained longer term growth with what the markets are doing.","start_word":2820,"end_word":2880,"sentiment":"positive","sentiment_score":0.4693024456501007},{"text":"Obviously, the risk with investments, though, is that there isn't a guarantee that the recommended will sort of perform as in, like, the historical performance is an indicative of future performance. But based on the markets, the regions, the diversification at home, you would a 100% be saving in terms of if you stay where you were versus moving to the recommended investment and which compounds towards your growth as well, if that makes sense. Yep. Yep. Okay. Yep. And then if sort of six, twelve months from now, if you were happy with how it was tracking and want to talk about strategies around bolstering up a little bit more with your salary sacrifice and things like that, given that your main debt's just a home and you don't really have any other debt. That's also some conversations you can have. Okay. Yep. Alright. Let's find that. So once I sign, you get the ball rolling. How long does it actually take to change it all over? So in terms of the trade, once it's sort of signed and then implemented there, they'll initiate the trade. And then from that, it can take up to two weeks for the managed funds to sell down. But once the buy order's put in, it sort of locks in the price on that trade day of what it is. So if you're worried about it sort of continually going down from there, generally, once the trade order's placed, it will sell for that traded price at the end of that day. Yes. And then with the managed funds that take a little bit longer from the exchange traded funds you do have, it might be a little bit quicker. But in saying that as well, a key portion of your portfolio is staying with the S and P 500, which means that you're not selling that, so you wouldn't have that out of the market. Excuse me. So it would only be the ones that are changing there. That would be sort of the ones that are selling and buying, and the bet along would probably take the most around sort of that week and a half to two weeks to be able to sort of sell to cash and then sort of be implemented as a new buyer, Yep. Okay. Alright. No worries. if that makes sense. Yep.","start_word":2881,"end_word":3277,"sentiment":"neutral","sentiment_score":0.052823101271234775},{"text":"It does.","start_word":3278,"end_word":3279,"sentiment":"positive","sentiment_score":0.36053869128227234},{"text":"Yeah. Yep. Alright. So after I sign the documents, when's our next next catch up? Let me just double What do check-in. you reckon in? Like, another six months? Or As I said, like, you can have a six month catch up. Given that everything is happening, even with the change, there's a chance, like, with everything going on that it still might be a bit stagnant in terms of what's happening in the markets in that six months' time. But yep.","start_word":3280,"end_word":3361,"sentiment":"neutral","sentiment_score":-0.0007442226051352918},{"text":"you can definitely get booked in for a six month catch up just to review it and see how it's going and see how that compares to the market and things like that and see how Yep. you feel about it.","start_word":3362,"end_word":3402,"sentiment":"positive","sentiment_score":0.4753649234771729},{"text":"Yep.","start_word":3403,"end_word":3403,"sentiment":"neutral","sentiment_score":0.29940491914749146},{"text":"Okay. I might do that actually. Stay on top of it, I think. Yep. And that can be the same moving forward.","start_word":3404,"end_word":3425,"sentiment":"positive","sentiment_score":0.3934667408466339},{"text":"You can go for sort of six month catch ups or sort of the the quarterly. Obviously, with in regards to Super, it is a bit of a long term game. So Yeah. at It least is. six Yeah.","start_word":3426,"end_word":3464,"sentiment":"neutral","sentiment_score":0.15699689090251925},{"text":"months, yeah, you get a little bit more peace of mind even if it is just a conversation versus, like, each twelve months Yep.","start_word":3465,"end_word":3488,"sentiment":"positive","sentiment_score":0.5011498928070068},{"text":"at year review.","start_word":3489,"end_word":3491,"sentiment":"neutral","sentiment_score":0.30748194456100464},{"text":"And then sort of you can be a little bit more on top of, like, world events and things like that and how you feel about it and just Yep. expressing that and some changes and things like that as well.","start_word":3492,"end_word":3532,"sentiment":"positive","sentiment_score":0.5096349120140076},{"text":"Yep. Okay. Yep. And regards to the wills and as power of attorney, obviously, that's quite straightforward in terms of, like, seeking the advice of a a lawyer or services of a lawyer to establish a will and a power of attorney to be able Yep. to to set up those estate planning measures. So we put that in there just as a reminder that you don't have those in place. Now as far as the Yep. fees, there will be that 1.65%, which is around the $1,400 mark in terms of a yearly fee. Now that's Yep. considering balance and growth. So if the market stay a little bit more stagnant, it means you also get charged a little bit less in regards to that fee. If they tick Yep. back up and it goes up a little bit more, then the percentage is based off the current balance at that month time charged across, like, a twelve month period. So it may increase a little bit with that if they were to return. But that's just to give you a rough idea of what that may look like over that twelve months. Yes. With your ongoing service agreement and things like that as well, Lisa, it's not a lock in contract either. So in saying that, if you do can't see any review sign and then sort of, you know, a few months from that, wanna look at kind of changing there as well, it also means that you can look at just opting out of the service. It's not locked in. It doesn't try and keep you hostage if you were to Yep. sort of wanna make the change to that peace of mind. Yep. So there's no fees to get out of it or anything. So obviously, Yep. you don't ever get back the the lock in from that. As in, like, you've paid your fees up until then. You paid your upfront cost there. So that isn't sort of returned. But in saying that, there's no sort of exit fee or things like that as well. It just sort of ceases at the time you were sort of willing to seize. Yep. Yep.","start_word":3533,"end_word":3900,"sentiment":"neutral","sentiment_score":0.08208288706373423},{"text":"And then with that, if you were to be happy as well, given that we sort of did go through a bit of a review there, it's sort of due for your annual review around the fourth as well. So we can, if you were to sign everything, just organize an ongoing service agreement and then just review in six months to see if you were still happy to stay on board Yep.","start_word":3901,"end_word":3973,"sentiment":"positive","sentiment_score":0.44629713892936707},{"text":"and then Okay. just go from there.","start_word":3974,"end_word":3980,"sentiment":"neutral","sentiment_score":0.190664604306221},{"text":"Yep. If you're happy with that.","start_word":3981,"end_word":3986,"sentiment":"positive","sentiment_score":0.495780348777771},{"text":"Yeah. I am. Yep. Not a problem at all, Lisa. Obviously, there is a lot of information there and a lot of sort of, you know, the advantages, disadvantages, things like that, which, unfortunately, I don't have the the time for just given to the time for my next booking there. But feel free to have a read through of that. If you have any questions, feel free to I'll shoot in your quick email after this that you can respond to with any questions, or you can just Yep. respond to that link that we've got going or the chain that we've got going Okay. Yep. with any questions you might have, and then we can organize another time to discuss any sort of concerns you do have. But otherwise, have a bit of a read through, see if you're happy with it, but it is quite simple in terms of it is just that investment update there. And then all those investments are listed in that appendix for you to have a look at. Yep. Okay. No worries. No problem. Do you have any other questions in regards to the advice piece No. there I'll today, try Lisa? and go through everything ASAP just so we can get the ball rolling. So if I've got any questions, I'll reply back to you. I mean, I'm sure a lot of it's gonna go over my head anyway. But, yeah, if there's any questions there, I'll I'll email back to you. Yeah. It can be a lot like, a lot of words coming coming out A here. lot So the of jargon. tape Yeah. yeah. So the main table there is probably on that fifteen, sixteen with the buyers and the sales of what you're actually getting rid of worth what you're getting. Yes.","start_word":3987,"end_word":4290,"sentiment":"neutral","sentiment_score":0.08771749548491482},{"text":"So have a look at that, make sure you're sort of happy with where you're sort of going in regards to your exposures. As far as the allocations, you will have slightly more in growth assets versus the defensive, but you'll also be reducing your manager risk there as well.","start_word":4291,"end_word":4340,"sentiment":"positive","sentiment_score":0.3641987442970276},{"text":"So when tracking the markets, you do have a lot less volatility and a lot less risk in regards to what's happening versus relying on those fund managers to be making those right decisions as well. Yep. And if the market takes like a, you know, a massive downturn and I'm not on top of anything, is anyone monitoring, like, the super fund or is there anything that flags? So within regards to that, there is an investment committee that does monitor. There within regards to certain events, like with COVID, they did remove and sort of put people to cash in that sort of time frame to be able to sort of mitigate the dip because they expect it to go long term and be quite a significant dip. But Yes. that's quite a rare, like, change. Given that you're sort of looking to retire at the age of 67 still, even I know it sort of feels like a a lot in regards to percentage drops at the moment, but you've got quite a number of years until you're sort of looking to still utilize your superannuation We're trying to Yes. retire at the age of 67. So within things like the GSE, if you were to sort of try and sell out and buy in, you sort of run the risk of that market timing. Whereas if you just held the investment and sort of kept contributing, you're buying still at that dip time. And as it recovers, your superannuation recovers with that, and you just sort of ride it out versus trying Yep. to do that that day trading and do the buys and the sells and try and time the market Yep.","start_word":4341,"end_word":4627,"sentiment":"neutral","sentiment_score":-0.0856134283521865},{"text":"because it is quite a hard game to time the market, and you sort of can be left out to dry if you sort of don't time it correctly and miss the boat.","start_word":4628,"end_word":4660,"sentiment":"negative","sentiment_score":-0.4492231607437134},{"text":"Yeah. If I decide to retire earlier, is that is that an issue No. if If I you check decided the retirement to age? if you hit 60 and decided to just stop work, you could just take it all and and run, basically, and sort of you wouldn't be able to get any government assistance until the age of sort of 67 if you're eligible for it, given your assets and things like that Yep. Yep. or income tests. Been saying that, yeah, you can sort of at 60 still meet a conditional release and take it out. Yes. Saying that to if you're 60 and still working, you can do a transition to retirement where you can access up to 10% per annum to be able to sort of fund additional sort of holidays, living expenses, or you can look at rate contribution studies, drawing down tax free and adding, like, your pretax dollars through salary sacrifice to sort of Yes.","start_word":4661,"end_word":4823,"sentiment":"neutral","sentiment_score":7.960531547723804e-6},{"text":"help bolster up your super a little bit leading into retirement as well.","start_word":4824,"end_word":4836,"sentiment":"positive","sentiment_score":0.343097448348999},{"text":"So that's something you can Yep. think about in the next sort of five years if you wanna sort of do that strategy because you're already salary sacrificing. It might be sort of worth looking at that. Given your income, it might not mean that you have to salary sacrifice much more to be able to do that sort of drawdown switch to be able Yep. to save a little bit on tax. Yep. Okay. Does that make sense? Alright. Yep. It does. Yeah. Yep. But as you said, any any questions once you go for a little bit of a a look through that, feel free to, like, give us a a message there, and I'll try and organize a time. If not, I'll try and respond via the email to give you a bit of insight into what you may be inquiring about. Alright. No worries.","start_word":4837,"end_word":4984,"sentiment":"neutral","sentiment_score":0.07452938026068984},{"text":"Alright. Thank you very much for acting so quickly, and I'll get a have a look over these documents and go from there. Not a problem at all, Lisa. And, yeah, once that's signed, I'll be sort of I'll put a note on here to action yours quite quickly if you were happy with everything as Yep. well. Try That'd and keep be it great. moving.","start_word":4985,"end_word":5050,"sentiment":"positive","sentiment_score":0.4895871579647064},{"text":"Yep. Yeah. Not a problem. But anything else, Lisa, feel free to reach out. Otherwise, I'll let you get back to your afternoon.","start_word":5051,"end_word":5073,"sentiment":"neutral","sentiment_score":0.22237659990787503},{"text":"Enjoy the right time.","start_word":5074,"end_word":5077,"sentiment":"positive","sentiment_score":0.4608905017375946},{"text":"Alright.","start_word":5078,"end_word":5078,"sentiment":"neutral","sentiment_score":0.2509714365005493},{"text":"No worries. Thanks very much. Thank you. Bye now. Thanks.","start_word":5079,"end_word":5088,"sentiment":"positive","sentiment_score":0.4930072128772736},{"text":"Bye.","start_word":5089,"end_word":5089,"sentiment":"neutral","sentiment_score":0.2510961890220642}],"average":{"sentiment":"neutral","sentiment_score":0.060575599396855105}}}}