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I basically just wanted to go through and up some details with you just from changes in circumstance, and I've got a few reports to send through regarding the super and the insurances and so on. Will you be able to look on to the email with me today, or should I just run you through it? Cool. So I'll pop that through. It should come up with a signature request for Oakview Financial annual review. Just your live email address. Beautiful. Just while that's popping through, anything in particular that you would like to focus on for this review? Cool. Just a bit of a general update, that kind of thing. Awesome. Okay. And just so I can gauge your day, mate, how long have I got you for today? Cool. I don't normally take that long. Usually, about fifteen, twenty. But if there's any other areas you wanna talk about today, I have set aside the time. Perfect. Also, while that is popping through, just in terms of updating a few details here, I can see a bit of a change in employer for the contributions coming in. The one that we've got currently is Liberty Oz, Pty Ltd, trading as container domes and shelter. Oh, no. Right. K. I'm having a look at contributions here. I know there was some tax office ones popped in last year, but as far as the most recent ones, I've seen three big ones come through. You did get one on the first of May was the most recent. That was 3,300 and 50. Yep. So you still owed that last last quarter of work. Yep. Okay. And do you know if that's just still, like, expecting to be coming through or because of the insolvency that's all tied up at the moment? Okay. Bit of a bummer. Outside of that, so now that they've gone insolvent, what's the the plan for work for you? Oh, congratulations. Fantastic. Do you mind if I just grab the the title and the income for that one? Yep. 100,000 plus commission. Fantastic. And who's that through? Homes and granny flats. B two I l t d. Fantastic. Thank you for that. I'm assuming that's full time gig. Beautiful. Alrighty. Have you got that email open in front of you? Perfect. So if you just pop in there, I don't know if you've used our new Odoo system before, but it kind of blends client data with a bit of a DocuSign attachment as well. This one, if you hit that purple button, it'll actually bring open all the review pack documents to go through together. So you can kind of click through, scroll through. So what I wanted to just quickly touch base with you on, in that first one there, there's a super and insurance summary with our letterhead. Can you see that? That's cool. Just in terms of the super funds, I do see that, obviously, Hub 24 is the main platform at this point in time. Veronica recommended you move across from Netwealth, get some lower fees, better investments in that. And with the rest account, that was kind of being kept open for, like, some hardship claims and things like that. So I wanted to just run that by you today and say, are we still keeping the rest account open at this point, or are we looking to consolidate that? What's your your preference? Yeah. And with the recent changes to all the super funds in the last three to six months have been updating their, like, hardship provisions. So all their forms are a bit more uniform, and they tend to have pretty similar requirements these days compared to last year and a few years ago. Yep. Perfect. Alright. So I'll I'll have a bit of a look at getting that fixed up. With the Neos insurances, so because you've got the occupation now, were you wanting any quotes for, like, income protection or anything like that? Because you've got life and disability insurance. Yeah. You'd be able to do it, you know, working from home or over the phone and in a wheelchair. Yep. And in terms of, like, cash flow and everything like that, what's the priority now with this new job in terms of savings? So I think we had you with, like, some cars, bikes, and a bit of computer equipment. Are you aiming for anything in particular? Just build up the savings a little bit and track on. Cool. Alright. So for those two, we do have this is interesting. Income protection policy attached to the NEOS, $3.05 $8.06 a month. We've got I'll let you know what that kind of covers compared to what you've got. $3.05 $8.06 divided by 70%. So you're currently protected for about 61,000. Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap. All the rebates off, it's well under a grand. So I think after the rebate, $840 a year for all three. So I I don't personally have any reasons to do any alterations on those unless there's anything sort of burning that you can see. Yep. Easy done. Alrighty. When it comes to so that certificate of currency is there. If anything major does happen, obviously, we're not people to call, but we do help through claims process. So paperwork, liaising with the funds, making sure you get a bit of advice along the side. If anything you need, just give us a buzz on that one. Beautiful. Beautiful. When it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth. That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while. You basically went from a 106,000 to a 129,000. There was a bit of a dip in March when the Iran war kicked off where it dropped from $1.24 to $1.16 and then back up to $1.29. Now if you've got that email open, I really want to show you two things in particular. That third doc, you've probably already seen it, is a big blue table performance with IRR, and it's your hub 24 performance table. So you're in a growth portfolio. So four out of five on the risk scale, 80% growth assets, like shares, property, and gold. High risk would be 90 to a 100%. So you're like a peg below that if that rings a bell. Now when I look at the returns there, so you're aiming for an average of about eight to 10%. Good years, it's up fifteen, twenty. Bad years could be down ten, fifteen, that kind of thing. Average out of about nine to 10, you should be sweet. If you look on the left hand side, you can see all the funds listed, and the very right hand side is the percentage returns. Are the figures able to be made out there? Are they clear enough? Cool. So bottom to top makes a bit more sense. It's all pretty well double digits across the board until you hit the yield plus, which is 3.67%. That's like a safe assets, kinda like a bank savings, term deposits, and so on. So no big deal there. India is down 10%, and Bennelong at the top is at 19.83. So every other fund is doing very, very well. Those two are the ones that are negative for this year at the moment. Now what I can kinda see there is that India in general for us is a bit of a long term economic play as manufacturing goes from China to India. As their economy grows, their shares will tend to increase sometime over the next five and ten years. But the one that's a bit of a concern is that Benelon option, which has dropped faster than the Aussie market and has bounced back not as much as the rest of the market has in that space. So what I'm basically asking here is I would like to look at a replacement option for that one. If you're still comfortable with that growth risk profile level, I can just do a straight switch out unless you're wanting me to increase or decrease your risk level. Yeah. No. No. So what happened with them a little bit differently than a normal fund, sometimes when you've got five top guys, they tend to jostle for position where one's third one year and first next year, and you kind of wait a year or two for them to bounce back. For these guys in particular, what happened was they invested in a company that had some linking into The UK corporate traveler. And then something came out of the news about corporate traveler, and they had to write down that asset. And that write down just completely tanked a lot of the funds. Since that point, a lot of their key members of the fund have actually left, and it's gotten to a point where we don't think there's any chance for it bouncing back in any significant way. So for this one, the real question is the style of replacement. Because Hub has the most investment options in the country, I've gotta whittle it down just a tiny bit. I can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market? Where does your gut feeling lean between the two? Which let's have a look at the ones that you've got. We've got the one in the middle. Can you see that there? Q o zed, beta Shares Australia Raffy in the middle there? It's above your gold allocation. Yeah. So Better Shares has that one and another standard a 200 model. Those are pretty standard low fee, good performing. So I would pretty much be looking to switch them into some BetaShares options. Yeah. So what I'll basically do is from the sale of the fund is we'll do a bit of a rebalance. So we'll divest that for that one, put it into the other options, and then rebalance it so it spreads across the portfolio. Sound good? Cool. Do you want me I'll put together an updated plan just to show you the figures and what we're doing. I'll update the projections in there as well. Do you want me to factor in anything in terms of, like, salary sacrifice or anything like that or just your employer contributions? Perfect. So I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then. But for now, we'll just go baseline. Yeah. And for the commissions, you know, if they'll pay you super on those. Yeah. Alright. Would it be better to base it then for you on a 150 grands and go for that or go a bit more conservative with it? Yep. Then two. Yep. Easy done. Sweet. So I'll get that all rebalanced for you, and we'll sort out the rest fund as well. Leave the insurances as is. And just quickly in terms of, like, estate planning, anything you wanna do in terms of beneficiary nominations, wills, powers of attorney? Yep. Do you want me to prefill anything on there or just send you the forms and call back if you got any questions? So we normally put down who you wanna nominate, date of birth, possibly address, and then just the type of nomination if you want it to be legally binding and whether you want it to expire every three years or just be continuous. Yep. Alright. So partner, 100%. Non lapping binding. Your partner, de facto or married? De facto. Okay. Do you want me to put in I do have your next of kin with us listed to Sarah Morris, the mother of the three children. Perfect. So keep her as emergency contact with us and three dependents are still for the family. Perfect. Alright. Easy done. That's sorted. That's sorted. Assets and liabilities wise, just quickly, cars, bike, computer equipment, any cash savings built up so far, I can just note down for your fact find. Yeah. Right. Okay. I'll double those up to 16 for the computer and about 90 for the cars and bikes. And that's pretty much it. Bit of a reminder for the will and power of attorney. Update the beneficiaries for the life insurance and the super, rebalance the portfolio, and we should be good to go. We did have a couple of goals noted down for some holidays to Europe. You'd obviously finished the study and everything. Are you still going back into software design at any point, or do you reckon sticking to the sales side? Yep. I was gonna say. Yeah. One's the hobby. One gets the bills paid. Easy done. Alrighty. Outside of that, mate, we've got that review pack with you. No changes so far to fees and agreements with us until next year. One thing I will let you know, I was talking to Sev, we're looking to do a bit of a tiered fee structure for everybody next year. So when they hit $200 or above, we'll start doing some discounts as well. For now, it's still just a standard 1.65. And the other documents in there are basically just reports your own records, service guide with licensing information. Nothing out of the ordinary there. Alrighty. Mate, anything in particular, any questions so far before I let you go? Cool. I will pretty much send this off today to just drop those comparisons, do the switch around in the updated advice strategy. I'm off next week, but as soon as I get back, I'll get the team to book you in, run through the figures together, and make sure you're comfortable with And then just as normal, if you give us the thumbs up, we can pretty much jump on the account and make the trades for you. Awesome, mate. Well, thank you for calling back and taking the time, and I shall talk to you in a couple of weeks' time. Thanks, David. Have a good one. 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afternoon, David. Tommy here, senior adviser. How are you doing? I'm doing absolutely fantastic. Thank you for calling back in.\n\nAwesome. Mate, I've got you here for an annual review. I basically just wanted to go through and up some details with you just from changes in circumstance, and I've got a few reports to send through regarding the super and the insurances and so on. Will you be able to look on to the email with me today, or should I just run you through it? Cool.\n\nSo I'll pop that through. It should come up with a signature request for Oakview Financial annual review. Just your live email address. Beautiful. Just while that's popping through, anything in particular that you would like to focus on for this review?\n\nCool. Just a bit of a general update, that kind of thing. Awesome. Okay. And just so I can gauge your day, mate, how long have I got you for today?\n\nCool. I don't normally take that long. Usually, about fifteen, twenty. But if there's any other areas you wanna talk about today, I have set aside the time. Perfect.\n\nAlso, while that is popping through, just in terms of updating a few details here, I can see a bit of a change in employer for the contributions coming in. The one that we've got currently is Liberty Oz, Pty Ltd, trading as container domes and shelter. Oh, no. Right. K.\n\nI'm having a look at contributions here. I know there was some tax office ones popped in last year, but as far as the most recent ones, I've seen three big ones come through. You did get one on the first of May was the most recent. That was 3,300 and 50. Yep.\n\nSo you still owed that last last quarter of work. Yep. Okay. And do you know if that's just still, like, expecting to be coming through or because of the insolvency that's all tied up at the moment? Okay.\n\nBit of a bummer. Outside of that, so now that they've gone insolvent, what's the the plan for work for you? Oh, congratulations. Fantastic. Do you mind if I just grab the the title and the income for that one?\n\nYep. 100,000 plus commission. Fantastic. And who's that through? Homes and granny flats.\n\nB two I l t d. Fantastic. Thank you for that. I'm assuming that's full time gig. Beautiful.\n\nAlrighty. Have you got that email open in front of you? Perfect. So if you just pop in there, I don't know if you've used our new Odoo system before, but it kind of blends client data with a bit of a DocuSign attachment as well. This one, if you hit that purple button, it'll actually bring open all the review pack documents to go through together.\n\nSo you can kind of click through, scroll through. So what I wanted to just quickly touch base with you on, in that first one there, there's a super and insurance summary with our letterhead. Can you see that? That's cool. Just in terms of the super funds, I do see that, obviously, Hub 24 is the main platform at this point in time.\n\nVeronica recommended you move across from Netwealth, get some lower fees, better investments in that. And with the rest account, that was kind of being kept open for, like, some hardship claims and things like that. So I wanted to just run that by you today and say, are we still keeping the rest account open at this point, or are we looking to consolidate that? What's your your preference? Yeah.\n\nAnd with the recent changes to all the super funds in the last three to six months have been updating their, like, hardship provisions. So all their forms are a bit more uniform, and they tend to have pretty similar requirements these days compared to last year and a few years ago. Yep. Perfect. Alright.\n\nSo I'll I'll have a bit of a look at getting that fixed up. With the Neos insurances, so because you've got the occupation now, were you wanting any quotes for, like, income protection or anything like that? Because you've got life and disability insurance. Yeah. You'd be able to do it, you know, working from home or over the phone and in a wheelchair.\n\nYep. And in terms of, like, cash flow and everything like that, what's the priority now with this new job in terms of savings? So I think we had you with, like, some cars, bikes, and a bit of computer equipment. Are you aiming for anything in particular? Just build up the savings a little bit and track on.\n\nCool. Alright. So for those two, we do have this is interesting. Income protection policy attached to the NEOS, $3.05 $8.06 a month. We've got I'll let you know what that kind of covers compared to what you've got.\n\n$3.05 $8.06 divided by 70%. So you're currently protected for about 61,000. Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap. All the rebates off, it's well under a grand. So I think after the rebate, $840 a year for all three.\n\nSo I I don't personally have any reasons to do any alterations on those unless there's anything sort of burning that you can see. Yep. Easy done. Alrighty. When it comes to so that certificate of currency is there.\n\nIf anything major does happen, obviously, we're not people to call, but we do help through claims process. So paperwork, liaising with the funds, making sure you get a bit of advice along the side. If anything you need, just give us a buzz on that one. Beautiful. Beautiful.\n\nWhen it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth. That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while. You basically went from a 106,000 to a 129,000. There was a bit of a dip in March when the Iran war kicked off where it dropped from $1.24 to $1.16 and then back up to $1.29. Now if you've got that email open, I really want to show you two things in particular.\n\nThat third doc, you've probably already seen it, is a big blue table performance with IRR, and it's your hub 24 performance table. So you're in a growth portfolio. So four out of five on the risk scale, 80% growth assets, like shares, property, and gold. High risk would be 90 to a 100%. So you're like a peg below that if that rings a bell.\n\nNow when I look at the returns there, so you're aiming for an average of about eight to 10%. Good years, it's up fifteen, twenty. Bad years could be down ten, fifteen, that kind of thing. Average out of about nine to 10, you should be sweet. If you look on the left hand side, you can see all the funds listed, and the very right hand side is the percentage returns.\n\nAre the figures able to be made out there? Are they clear enough? Cool. So bottom to top makes a bit more sense. It's all pretty well double digits across the board until you hit the yield plus, which is 3.67%.\n\nThat's like a safe assets, kinda like a bank savings, term deposits, and so on. So no big deal there. India is down 10%, and Bennelong at the top is at 19.83. So every other fund is doing very, very well. Those two are the ones that are negative for this year at the moment.\n\nNow what I can kinda see there is that India in general for us is a bit of a long term economic play as manufacturing goes from China to India. As their economy grows, their shares will tend to increase sometime over the next five and ten years. But the one that's a bit of a concern is that Benelon option, which has dropped faster than the Aussie market and has bounced back not as much as the rest of the market has in that space. So what I'm basically asking here is I would like to look at a replacement option for that one. If you're still comfortable with that growth risk profile level, I can just do a straight switch out unless you're wanting me to increase or decrease your risk level.\n\nYeah. No. No. So what happened with them a little bit differently than a normal fund, sometimes when you've got five top guys, they tend to jostle for position where one's third one year and first next year, and you kind of wait a year or two for them to bounce back. For these guys in particular, what happened was they invested in a company that had some linking into The UK corporate traveler.\n\nAnd then something came out of the news about corporate traveler, and they had to write down that asset. And that write down just completely tanked a lot of the funds. Since that point, a lot of their key members of the fund have actually left, and it's gotten to a point where we don't think there's any chance for it bouncing back in any significant way. So for this one, the real question is the style of replacement. Because Hub has the most investment options in the country, I've gotta whittle it down just a tiny bit.\n\nI can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market? Where does your gut feeling lean between the two? Which let's have a look at the ones that you've got. We've got the one in the middle. Can you see that there?\n\nQ o zed, beta Shares Australia Raffy in the middle there? It's above your gold allocation. Yeah. So Better Shares has that one and another standard a 200 model. Those are pretty standard low fee, good performing.\n\nSo I would pretty much be looking to switch them into some BetaShares options. Yeah. So what I'll basically do is from the sale of the fund is we'll do a bit of a rebalance. So we'll divest that for that one, put it into the other options, and then rebalance it so it spreads across the portfolio. Sound good?\n\nCool. Do you want me I'll put together an updated plan just to show you the figures and what we're doing. I'll update the projections in there as well. Do you want me to factor in anything in terms of, like, salary sacrifice or anything like that or just your employer contributions? Perfect.\n\nSo I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then. But for now, we'll just go baseline. Yeah. And for the commissions, you know, if they'll pay you super on those. Yeah.\n\nAlright. Would it be better to base it then for you on a 150 grands and go for that or go a bit more conservative with it? Yep. Then two. Yep.\n\nEasy done. Sweet. So I'll get that all rebalanced for you, and we'll sort out the rest fund as well. Leave the insurances as is. And just quickly in terms of, like, estate planning, anything you wanna do in terms of beneficiary nominations, wills, powers of attorney?\n\nYep. Do you want me to prefill anything on there or just send you the forms and call back if you got any questions? So we normally put down who you wanna nominate, date of birth, possibly address, and then just the type of nomination if you want it to be legally binding and whether you want it to expire every three years or just be continuous. Yep. Alright.\n\nSo partner, 100%. Non lapping binding. Your partner, de facto or married? De facto. Okay.\n\nDo you want me to put in I do have your next of kin with us listed to Sarah Morris, the mother of the three children. Perfect. So keep her as emergency contact with us and three dependents are still for the family. Perfect. Alright.\n\nEasy done. That's sorted. That's sorted. Assets and liabilities wise, just quickly, cars, bike, computer equipment, any cash savings built up so far, I can just note down for your fact find. Yeah.\n\nRight. Okay. I'll double those up to 16 for the computer and about 90 for the cars and bikes. And that's pretty much it. Bit of a reminder for the will and power of attorney.\n\nUpdate the beneficiaries for the life insurance and the super, rebalance the portfolio, and we should be good to go. We did have a couple of goals noted down for some holidays to Europe. You'd obviously finished the study and everything. Are you still going back into software design at any point, or do you reckon sticking to the sales side? Yep.\n\nI was gonna say. Yeah. One's the hobby. One gets the bills paid. Easy done.\n\nAlrighty. Outside of that, mate, we've got that review pack with you. No changes so far to fees and agreements with us until next year. One thing I will let you know, I was talking to Sev, we're looking to do a bit of a tiered fee structure for everybody next year. So when they hit $200 or above, we'll start doing some discounts as well.\n\nFor now, it's still just a standard 1.65. And the other documents in there are basically just reports your own records, service guide with licensing information. Nothing out of the ordinary there. Alrighty. Mate, anything in particular, any questions so far before I let you go?\n\nCool. I will pretty much send this off today to just drop those comparisons, do the switch around in the updated advice strategy. I'm off next week, but as soon as I get back, I'll get the team to book you in, run through the figures together, and make sure you're comfortable with And then just as normal, if you give us the thumbs up, we can pretty much jump on the account and make the trades for you. Awesome, mate. Well, thank you for calling back and taking the time, and I shall talk to you in a couple of weeks' time.\n\nThanks, David. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, David.","start":0.71999997,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.2727344234784444},{"text":"Tommy here, senior adviser.","start":1.8399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.19186542183160782},{"text":"How are you doing?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.19803069159388542},{"text":"I'm doing absolutely fantastic.","start":5.6,"end":7.2,"sentiment":"positive","sentiment_score":0.733496755361557},{"text":"Thank you for calling back in.","start":7.2,"end":8.58,"sentiment":"positive","sentiment_score":0.7054283519585928}],"sentiment":"positive","sentiment_score":0.4544926122540519,"num_words":21,"start":0.71999997,"end":8.58},{"sentences":[{"text":"Awesome.","start":10.32,"end":10.8,"sentiment":"positive","sentiment_score":0.5616172552108765},{"text":"Mate, I've got you here for an annual review.","start":10.8,"end":13.059999,"sentiment":"neutral","sentiment_score":0.2806142138110267},{"text":"I basically just wanted to go through and up some details with you just from changes in circumstance, and I've got a few reports to send through regarding the super and the insurances and so on.","start":14.115,"end":25.32,"sentiment":"neutral","sentiment_score":0.1592320160319408},{"text":"Will you be able to look on to the email with me today, or should I just run you through it?","start":25.56,"end":30.3,"sentiment":"neutral","sentiment_score":0.12042437422843207},{"text":"Cool.","start":33.16,"end":33.4,"sentiment":"neutral","sentiment_score":0.2442268431186676}],"sentiment":"neutral","sentiment_score":0.17047994792023125,"num_words":68,"start":10.32,"end":33.4},{"sentences":[{"text":"So I'll pop that through.","start":33.4,"end":34.36,"sentiment":"neutral","sentiment_score":0.2119514226913452},{"text":"It should come up with a signature request for Oakview Financial annual review.","start":34.36,"end":38.86,"sentiment":"neutral","sentiment_score":0.18707548884245065},{"text":"Just your live email address.","start":39.32,"end":40.755,"sentiment":"neutral","sentiment_score":0.141190804541111},{"text":"Beautiful.","start":45.555,"end":46.055,"sentiment":"positive","sentiment_score":0.4174379110336304},{"text":"Just while that's popping through, anything in particular that you would like to focus on for this review?","start":46.275,"end":51.015,"sentiment":"neutral","sentiment_score":0.08808271980120076}],"sentiment":"neutral","sentiment_score":0.147633794251652,"num_words":42,"start":33.4,"end":51.015},{"sentences":[{"text":"Cool.","start":54.435,"end":54.675003,"sentiment":"neutral","sentiment_score":0.025575127452611923},{"text":"Just a bit of a general update, that kind of thing.","start":54.675003,"end":56.969997,"sentiment":"neutral","sentiment_score":0.01774841191416437},{"text":"Awesome.","start":59.19,"end":59.69,"sentiment":"neutral","sentiment_score":0.283719927072525},{"text":"Okay.","start":59.829998,"end":60.329998,"sentiment":"neutral","sentiment_score":0.11354295164346696},{"text":"And just so I can gauge your day, mate, how long have I got you for today?","start":61.35,"end":64.729996,"sentiment":"neutral","sentiment_score":0.057760750327040165}],"sentiment":"neutral","sentiment_score":0.05161300944464822,"num_words":31,"start":54.435,"end":64.729996},{"sentences":[{"text":"Cool.","start":67.509995,"end":67.99,"sentiment":"neutral","sentiment_score":0.06815436482429504},{"text":"I don't normally take that long.","start":67.99,"end":69.27,"sentiment":"neutral","sentiment_score":-0.023359425365924835},{"text":"Usually, about fifteen, twenty.","start":69.27,"end":70.635,"sentiment":"neutral","sentiment_score":-0.00028180936351418495},{"text":"But if there's any other areas you wanna talk about today, I have set aside the time.","start":70.875,"end":75.055,"sentiment":"neutral","sentiment_score":0.03420408026260488},{"text":"Perfect.","start":78.155,"end":78.655,"sentiment":"neutral","sentiment_score":0.20800809562206268}],"sentiment":"neutral","sentiment_score":0.024701656388311552,"num_words":29,"start":67.509995,"end":78.655},{"sentences":[{"text":"Also, while that is popping through, just in terms of updating a few details here, I can see a bit of a change in employer for the contributions coming in.","start":79.115005,"end":89.119995,"sentiment":"neutral","sentiment_score":0.019892768003046513},{"text":"The one that we've got currently is Liberty Oz, Pty Ltd, trading as container domes and shelter.","start":89.42,"end":95.52,"sentiment":"neutral","sentiment_score":0.004737775307148695},{"text":"Oh, no.","start":102.634995,"end":103.375,"sentiment":"neutral","sentiment_score":-0.07893597707152367},{"text":"Right.","start":113.73,"end":114.23,"sentiment":"neutral","sentiment_score":0.0006512291729450226},{"text":"K.","start":114.93,"end":115.43,"sentiment":"neutral","sentiment_score":0.001192309893667698}],"sentiment":"neutral","sentiment_score":0.010221505985029187,"num_words":51,"start":79.115005,"end":115.43},{"sentences":[{"text":"I'm having a look at contributions here.","start":116.37,"end":118.69,"sentiment":"neutral","sentiment_score":0.004331844326640878},{"text":"I know there was some tax office ones popped in last year, but as far as the most recent ones, I've seen three big ones come through.","start":118.69,"end":125.145,"sentiment":"neutral","sentiment_score":-0.008106841464285497},{"text":"You did get one on the first of May was the most recent.","start":127.205,"end":131.465,"sentiment":"neutral","sentiment_score":0.053455257358459324},{"text":"That was 3,300 and 50.","start":131.845,"end":136.67,"sentiment":"neutral","sentiment_score":0.02025642655789852},{"text":"Yep.","start":136.67,"end":137.17,"sentiment":"neutral","sentiment_score":0.01957896165549755}],"sentiment":"neutral","sentiment_score":0.011834294921806399,"num_words":53,"start":116.37,"end":137.17},{"sentences":[{"text":"So you still owed that last last quarter of work.","start":137.47,"end":140.85,"sentiment":"neutral","sentiment_score":-0.02681630877777934},{"text":"Yep.","start":144.19,"end":144.51,"sentiment":"neutral","sentiment_score":0.01376643031835556},{"text":"Okay.","start":144.51,"end":145.01,"sentiment":"neutral","sentiment_score":-0.005131974816322327},{"text":"And do you know if that's just still, like, expecting to be coming through or because of the insolvency that's all tied up at the moment?","start":145.39,"end":151.345,"sentiment":"neutral","sentiment_score":-0.06515397568448232},{"text":"Okay.","start":168.7,"end":169.18,"sentiment":"neutral","sentiment_score":-0.1055832952260971}],"sentiment":"neutral","sentiment_score":-0.0527978280845743,"num_words":39,"start":137.47,"end":169.18},{"sentences":[{"text":"Bit of a bummer.","start":169.18,"end":170.16,"sentiment":"neutral","sentiment_score":-0.2944222539663315},{"text":"Outside of that, so now that they've gone insolvent, what's the the plan for work for you?","start":170.94,"end":176.205,"sentiment":"neutral","sentiment_score":-0.11701248323216158},{"text":"Oh, congratulations.","start":178.985,"end":179.72499,"sentiment":"positive","sentiment_score":0.46755151450634},{"text":"Fantastic.","start":180.105,"end":180.605,"sentiment":"positive","sentiment_score":0.4873635470867157},{"text":"Do you mind if I just grab the the title and the income for that one?","start":181.94499,"end":185.93,"sentiment":"neutral","sentiment_score":0.15560054685920477}],"sentiment":"neutral","sentiment_score":0.018629352375864983,"num_words":40,"start":169.18,"end":185.93},{"sentences":[{"text":"Yep.","start":191.34999,"end":191.84999,"sentiment":"neutral","sentiment_score":0.04655865952372551},{"text":"100,000 plus commission.","start":195.18999,"end":196.73,"sentiment":"neutral","sentiment_score":0.041538406163454056},{"text":"Fantastic.","start":197.26999,"end":197.76999,"sentiment":"neutral","sentiment_score":0.2817869782447815},{"text":"And who's that through?","start":199.575,"end":200.795,"sentiment":"neutral","sentiment_score":0.10674456134438515},{"text":"Homes and granny flats.","start":203.575,"end":205.515,"sentiment":"neutral","sentiment_score":0.02284316485747695}],"sentiment":"neutral","sentiment_score":0.07471628931279366,"num_words":13,"start":191.34999,"end":205.515},{"sentences":[{"text":"B two I l t d.","start":205.575,"end":206.95499,"sentiment":"neutral","sentiment_score":0.022625702898949385},{"text":"Fantastic.","start":207.495,"end":207.995,"sentiment":"positive","sentiment_score":0.391720175743103},{"text":"Thank you for that.","start":208.135,"end":208.775,"sentiment":"positive","sentiment_score":0.48491644859313965},{"text":"I'm assuming that's full time gig.","start":208.775,"end":210.635,"sentiment":"neutral","sentiment_score":0.2169435496131579},{"text":"Beautiful.","start":212.215,"end":212.67,"sentiment":"neutral","sentiment_score":0.2894493043422699}],"sentiment":"neutral","sentiment_score":0.22545837719614306,"num_words":18,"start":205.575,"end":212.67},{"sentences":[{"text":"Alrighty.","start":213.39,"end":213.79,"sentiment":"neutral","sentiment_score":0.1558399349451065},{"text":"Have you got that email open in front of you?","start":213.79,"end":216.29,"sentiment":"neutral","sentiment_score":0.08297621756792069},{"text":"Perfect.","start":217.63,"end":218.13,"sentiment":"neutral","sentiment_score":0.25127488374710083},{"text":"So if you just pop in there, I don't know if you've used our new Odoo system before, but it kind of blends client data with a bit of a DocuSign attachment as well.","start":218.43,"end":227.565,"sentiment":"neutral","sentiment_score":0.13184600805535035},{"text":"This one, if you hit that purple button, it'll actually bring open all the review pack documents to go through together.","start":228.045,"end":234.205,"sentiment":"neutral","sentiment_score":0.1540012884707678}],"sentiment":"neutral","sentiment_score":0.1336368406886485,"num_words":67,"start":213.39,"end":234.205},{"sentences":[{"text":"So you can kind of click through, scroll through.","start":234.205,"end":236.065,"sentiment":"neutral","sentiment_score":0.11312882933351728},{"text":"So what I wanted to just quickly touch base with you on, in that first one there, there's a super and insurance summary with our letterhead.","start":237.88501,"end":243.62,"sentiment":"neutral","sentiment_score":0.09747168880242568},{"text":"Can you see that?","start":243.62,"end":244.59999,"sentiment":"neutral","sentiment_score":0.06950762774795294},{"text":"That's cool.","start":247.85999,"end":248.68,"sentiment":"positive","sentiment_score":0.7830617427825928},{"text":"Just in terms of the super funds, I do see that, obviously, Hub 24 is the main platform at this point in time.","start":248.98,"end":256.12,"sentiment":"neutral","sentiment_score":0.20217950253382974}],"sentiment":"neutral","sentiment_score":0.15697978012030944,"num_words":64,"start":234.205,"end":256.12},{"sentences":[{"text":"Veronica recommended you move across from Netwealth, get some lower fees, better investments in that.","start":256.715,"end":261.855,"sentiment":"neutral","sentiment_score":0.3124598562717438},{"text":"And with the rest account, that was kind of being kept open for, like, some hardship claims and things like that.","start":262.075,"end":268.8,"sentiment":"neutral","sentiment_score":0.10558802882830302},{"text":"So I wanted to just run that by you today and say, are we still keeping the rest account open at this point, or are we looking to consolidate that?","start":269.03998,"end":277.84,"sentiment":"neutral","sentiment_score":0.1390491118033727},{"text":"What's your your preference?","start":277.84,"end":279.13998,"sentiment":"neutral","sentiment_score":0.07233419269323349},{"text":"Yeah.","start":299.06,"end":299.46,"sentiment":"neutral","sentiment_score":0.049394626170396805}],"sentiment":"neutral","sentiment_score":0.16076691831711312,"num_words":71,"start":256.715,"end":299.46},{"sentences":[{"text":"And with the recent changes to all the super funds in the last three to six months have been updating their, like, hardship provisions.","start":299.46,"end":306.43997,"sentiment":"neutral","sentiment_score":0.06659333221614361},{"text":"So all their forms are a bit more uniform, and they tend to have pretty similar requirements these days compared to last year and a few years ago.","start":306.81998,"end":314.99503,"sentiment":"neutral","sentiment_score":0.028711520734110048},{"text":"Yep.","start":328.51,"end":328.99,"sentiment":"neutral","sentiment_score":0.11760284751653673},{"text":"Perfect.","start":328.99,"end":329.47,"sentiment":"positive","sentiment_score":0.350877046585083},{"text":"Alright.","start":329.47,"end":329.79,"sentiment":"neutral","sentiment_score":0.1842423677444458}],"sentiment":"neutral","sentiment_score":0.055543360283428975,"num_words":55,"start":299.46,"end":329.79},{"sentences":[{"text":"So I'll I'll have a bit of a look at getting that fixed up.","start":329.79,"end":332.93,"sentiment":"neutral","sentiment_score":0.12885346902268274},{"text":"With the Neos insurances, so because you've got the occupation now, were you wanting any quotes for, like, income protection or anything like that?","start":334.35,"end":342.325,"sentiment":"neutral","sentiment_score":0.07337610920270284},{"text":"Because you've got life and disability insurance.","start":342.325,"end":344.505,"sentiment":"neutral","sentiment_score":0.049279674887657166},{"text":"Yeah.","start":356.34,"end":356.58,"sentiment":"neutral","sentiment_score":0.08394765108823776},{"text":"You'd be able to do it, you know, working from home or over the phone and in a wheelchair.","start":356.58,"end":362.04,"sentiment":"neutral","sentiment_score":0.09287313440520513}],"sentiment":"neutral","sentiment_score":0.08859184794127942,"num_words":65,"start":329.79,"end":362.04},{"sentences":[{"text":"Yep.","start":362.18,"end":362.68,"sentiment":"neutral","sentiment_score":-0.03212893381714821},{"text":"And in terms of, like, cash flow and everything like that, what's the priority now with this new job in terms of savings?","start":363.86,"end":370.075,"sentiment":"neutral","sentiment_score":0.09130907706592394},{"text":"So I think we had you with, like, some cars, bikes, and a bit of computer equipment.","start":370.075,"end":373.935,"sentiment":"neutral","sentiment_score":0.06663188272539307},{"text":"Are you aiming for anything in particular?","start":374.075,"end":375.775,"sentiment":"neutral","sentiment_score":0.04997183009982109},{"text":"Just build up the savings a little bit and track on.","start":380.95502,"end":389.15002,"sentiment":"neutral","sentiment_score":0.11148847910490903}],"sentiment":"neutral","sentiment_score":0.0809643716251446,"num_words":59,"start":362.18,"end":389.15002},{"sentences":[{"text":"Cool.","start":389.15002,"end":389.65002,"sentiment":"positive","sentiment_score":0.5111715793609619},{"text":"Alright.","start":391.07,"end":391.57,"sentiment":"neutral","sentiment_score":0.30227816104888916},{"text":"So for those two, we do have this is interesting.","start":391.63,"end":398.255,"sentiment":"neutral","sentiment_score":0.13072992712259293},{"text":"Income protection policy attached to the NEOS, $3.05 $8.06 a month.","start":398.635,"end":403.935,"sentiment":"neutral","sentiment_score":0.0746028342030265},{"text":"We've got I'll let you know what that kind of covers compared to what you've got.","start":405.435,"end":409.675,"sentiment":"neutral","sentiment_score":0.09920340171083808}],"sentiment":"neutral","sentiment_score":0.11611883628826875,"num_words":39,"start":389.15002,"end":409.675},{"sentences":[{"text":"$3.05 $8.06 divided by 70%.","start":409.675,"end":414.12,"sentiment":"neutral","sentiment_score":0.053109347075223926},{"text":"So you're currently protected for about 61,000.","start":414.65997,"end":418.03998,"sentiment":"neutral","sentiment_score":0.10380412957498006},{"text":"Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap.","start":420.58,"end":423.8,"sentiment":"positive","sentiment_score":0.39122165863712627},{"text":"All the rebates off, it's well under a grand.","start":424.18,"end":426.42502,"sentiment":"neutral","sentiment_score":0.31386014653576744},{"text":"So I think after the rebate, $840 a year for all three.","start":426.64502,"end":430.265,"sentiment":"neutral","sentiment_score":0.13986055118342242}],"sentiment":"neutral","sentiment_score":0.22644229953487713,"num_words":45,"start":409.675,"end":430.265},{"sentences":[{"text":"So I I don't personally have any reasons to do any alterations on those unless there's anything sort of burning that you can see.","start":433.685,"end":441.28,"sentiment":"neutral","sentiment_score":-0.19215728311489025},{"text":"Yep.","start":450.7,"end":451.2,"sentiment":"neutral","sentiment_score":0.12400567531585692},{"text":"Easy done.","start":451.34,"end":452.205,"sentiment":"neutral","sentiment_score":0.2535722553730011},{"text":"Alrighty.","start":453.32498,"end":453.82498,"sentiment":"neutral","sentiment_score":0.16680198907852173},{"text":"When it comes to so that certificate of currency is there.","start":454.125,"end":457.00497,"sentiment":"neutral","sentiment_score":0.018122929910367184}],"sentiment":"neutral","sentiment_score":-0.09267872796417811,"num_words":39,"start":433.685,"end":457.00497},{"sentences":[{"text":"If anything major does happen, obviously, we're not people to call, but we do help through claims process.","start":457.00497,"end":462.38498,"sentiment":"neutral","sentiment_score":0.00011269753384921286},{"text":"So paperwork, liaising with the funds, making sure you get a bit of advice along the side.","start":462.685,"end":468.32,"sentiment":"neutral","sentiment_score":0.0894308708169881},{"text":"If anything you need, just give us a buzz on that one.","start":468.38,"end":471.19998,"sentiment":"neutral","sentiment_score":0.049014248264332615},{"text":"Beautiful.","start":472.94,"end":473.34,"sentiment":"positive","sentiment_score":0.5728689432144165},{"text":"Beautiful.","start":473.34,"end":473.82,"sentiment":"positive","sentiment_score":0.5512771010398865}],"sentiment":"neutral","sentiment_score":0.06601368128417098,"num_words":49,"start":457.00497,"end":473.82},{"sentences":[{"text":"When it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth.","start":473.82,"end":479.215,"sentiment":"neutral","sentiment_score":0.14189769617385334},{"text":"That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while.","start":479.83502,"end":485.05502,"sentiment":"neutral","sentiment_score":0.2279679375615987},{"text":"You basically went from a 106,000 to a 129,000.","start":485.355,"end":490.17502,"sentiment":"neutral","sentiment_score":0.09065568467809094},{"text":"There was a bit of a dip in March when the Iran war kicked off where it dropped from $1.24 to $1.16 and then back up to $1.29.","start":490.39502,"end":499.51,"sentiment":"neutral","sentiment_score":-0.30663247912057806},{"text":"Now if you've got that email open, I really want to show you two things in particular.","start":500.53,"end":506.15,"sentiment":"neutral","sentiment_score":0.14747457600691738}],"sentiment":"neutral","sentiment_score":0.024539496769454886,"num_words":94,"start":473.82,"end":506.15},{"sentences":[{"text":"That third doc, you've probably already seen it, is a big blue table performance with IRR, and it's your hub 24 performance table.","start":506.53,"end":514.695,"sentiment":"neutral","sentiment_score":0.26060488949651306},{"text":"So you're in a growth portfolio.","start":517.315,"end":519.015,"sentiment":"neutral","sentiment_score":0.1770987610022227},{"text":"So four out of five on the risk scale, 80% growth assets, like shares, property, and gold.","start":519.235,"end":524.21,"sentiment":"neutral","sentiment_score":0.1161613709786359},{"text":"High risk would be 90 to a 100%.","start":524.59,"end":526.59,"sentiment":"neutral","sentiment_score":0.01198903238400817},{"text":"So you're like a peg below that if that rings a bell.","start":526.59,"end":529.17,"sentiment":"neutral","sentiment_score":0.11870139930397272}],"sentiment":"neutral","sentiment_score":0.15987238457257097,"num_words":66,"start":506.53,"end":529.17},{"sentences":[{"text":"Now when I look at the returns there, so you're aiming for an average of about eight to 10%.","start":530.43,"end":535.73505,"sentiment":"neutral","sentiment_score":0.145912935075007},{"text":"Good years, it's up fifteen, twenty.","start":536.11505,"end":538.05505,"sentiment":"positive","sentiment_score":0.3341840257247289},{"text":"Bad years could be down ten, fifteen, that kind of thing.","start":538.275,"end":540.91504,"sentiment":"negative","sentiment_score":-0.48399244113401935},{"text":"Average out of about nine to 10, you should be sweet.","start":540.91504,"end":543.41504,"sentiment":"neutral","sentiment_score":0.12861886993050575},{"text":"If you look on the left hand side, you can see all the funds listed, and the very right hand side is the percentage returns.","start":543.875,"end":550.215,"sentiment":"neutral","sentiment_score":0.061313764676451686}],"sentiment":"neutral","sentiment_score":0.033349788256196514,"num_words":72,"start":530.43,"end":550.215},{"sentences":[{"text":"Are the figures able to be made out there?","start":550.62,"end":552.22003,"sentiment":"neutral","sentiment_score":0.023305865418579843},{"text":"Are they clear enough?","start":552.22003,"end":553.28,"sentiment":"neutral","sentiment_score":0.02082583447918296},{"text":"Cool.","start":554.46,"end":554.96,"sentiment":"positive","sentiment_score":0.4467756450176239},{"text":"So bottom to top makes a bit more sense.","start":555.42,"end":558.0,"sentiment":"positive","sentiment_score":0.3562981386979421},{"text":"It's all pretty well double digits across the board until you hit the yield plus, which is 3.67%.","start":558.06,"end":564.56,"sentiment":"positive","sentiment_score":0.35435668544636834}],"sentiment":"neutral","sentiment_score":0.2518276916589679,"num_words":41,"start":550.62,"end":564.56},{"sentences":[{"text":"That's like a safe assets, kinda like a bank savings, term deposits, and so on.","start":564.62,"end":569.195,"sentiment":"neutral","sentiment_score":0.32902304927508036},{"text":"So no big deal there.","start":569.195,"end":570.735,"sentiment":"neutral","sentiment_score":0.12716313898563386},{"text":"India is down 10%, and Bennelong at the top is at 19.83.","start":571.755,"end":578.49,"sentiment":"neutral","sentiment_score":0.08351099584251642},{"text":"So every other fund is doing very, very well.","start":578.49,"end":580.99,"sentiment":"neutral","sentiment_score":0.20661371449629465},{"text":"Those two are the ones that are negative for this year at the moment.","start":581.05,"end":583.79004,"sentiment":"negative","sentiment_score":-0.5803038903645107}],"sentiment":"neutral","sentiment_score":0.005610224536874078,"num_words":55,"start":564.62,"end":583.79004},{"sentences":[{"text":"Now what I can kinda see there is that India in general for us is a bit of a long term economic play as manufacturing goes from China to India.","start":584.49,"end":592.43,"sentiment":"neutral","sentiment_score":0.026625153174002967},{"text":"As their economy grows, their shares will tend to increase sometime over the next five and ten years.","start":592.65,"end":598.245,"sentiment":"neutral","sentiment_score":0.16628422981335056},{"text":"But the one that's a bit of a concern is that Benelon option, which has dropped faster than the Aussie market and has bounced back not as much as the rest of the market has in that space.","start":598.305,"end":609.11,"sentiment":"negative","sentiment_score":-0.5740564767467348},{"text":"So what I'm basically asking here is I would like to look at a replacement option for that one.","start":610.53,"end":615.83,"sentiment":"neutral","sentiment_score":-0.04878407128547367},{"text":"If you're still comfortable with that growth risk profile level, I can just do a straight switch out unless you're wanting me to increase or decrease your risk level.","start":616.37,"end":624.515,"sentiment":"neutral","sentiment_score":-0.057429500694932606}],"sentiment":"neutral","sentiment_score":-0.15384050939621322,"num_words":134,"start":584.49,"end":624.515},{"sentences":[{"text":"Yeah.","start":641.81,"end":642.31,"sentiment":"neutral","sentiment_score":-0.07189677655696869},{"text":"No.","start":654.86505,"end":655.36505,"sentiment":"neutral","sentiment_score":-0.29494649171829224},{"text":"No.","start":656.945,"end":657.265,"sentiment":"neutral","sentiment_score":-0.3230041265487671},{"text":"So what happened with them a little bit differently than a normal fund, sometimes when you've got five top guys, they tend to jostle for position where one's third one year and first next year, and you kind of wait a year or two for them to bounce back.","start":657.265,"end":670.8,"sentiment":"neutral","sentiment_score":-0.2550553497003049},{"text":"For these guys in particular, what happened was they invested in a company that had some linking into The UK corporate traveler.","start":670.94,"end":678.995,"sentiment":"neutral","sentiment_score":-0.14733680439266292}],"sentiment":"neutral","sentiment_score":-0.22201309765915614,"num_words":74,"start":641.81,"end":678.995},{"sentences":[{"text":"And then something came out of the news about corporate traveler, and they had to write down that asset.","start":679.455,"end":683.795,"sentiment":"neutral","sentiment_score":-0.2054039302625154},{"text":"And that write down just completely tanked a lot of the funds.","start":684.095,"end":686.835,"sentiment":"negative","sentiment_score":-0.5190974647800127},{"text":"Since that point, a lot of their key members of the fund have actually left, and it's gotten to a point where we don't think there's any chance for it bouncing back in any significant way.","start":687.375,"end":698.03,"sentiment":"negative","sentiment_score":-0.5253336462709639},{"text":"So for this one, the real question is the style of replacement.","start":699.61005,"end":704.275,"sentiment":"neutral","sentiment_score":-0.11123959285517533},{"text":"Because Hub has the most investment options in the country, I've gotta whittle it down just a tiny bit.","start":704.275,"end":710.055,"sentiment":"neutral","sentiment_score":-0.1817262106035885}],"sentiment":"negative","sentiment_score":-0.34521967993707076,"num_words":98,"start":679.455,"end":710.055},{"sentences":[{"text":"I can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market?","start":710.115,"end":717.91003,"sentiment":"neutral","sentiment_score":0.12848650167385736},{"text":"Where does your gut feeling lean between the two?","start":718.13,"end":720.71,"sentiment":"neutral","sentiment_score":-0.11324989216195212},{"text":"Which let's have a look at the ones that you've got.","start":737.58496,"end":739.58496,"sentiment":"neutral","sentiment_score":0.12364288758147847},{"text":"We've got the one in the middle.","start":739.58496,"end":742.545,"sentiment":"neutral","sentiment_score":0.09485865810087749},{"text":"Can you see that there?","start":742.545,"end":743.665,"sentiment":"neutral","sentiment_score":0.0641948439180851}],"sentiment":"neutral","sentiment_score":0.08127022212592222,"num_words":59,"start":710.115,"end":743.665},{"sentences":[{"text":"Q o zed, beta Shares Australia Raffy in the middle there?","start":743.665,"end":748.99,"sentiment":"neutral","sentiment_score":0.04999255151911215},{"text":"It's above your gold allocation.","start":748.99,"end":750.37,"sentiment":"neutral","sentiment_score":0.090179942548275},{"text":"Yeah.","start":757.07,"end":757.39,"sentiment":"neutral","sentiment_score":0.22793610394001007},{"text":"So Better Shares has that one and another standard a 200 model.","start":757.39,"end":761.505,"sentiment":"positive","sentiment_score":0.34509462614854175},{"text":"Those are pretty standard low fee, good performing.","start":762.125,"end":764.54504,"sentiment":"positive","sentiment_score":0.5370133258402348}],"sentiment":"neutral","sentiment_score":0.26124313524043236,"num_words":37,"start":743.665,"end":764.54504},{"sentences":[{"text":"So I would pretty much be looking to switch them into some BetaShares options.","start":764.765,"end":769.42505,"sentiment":"neutral","sentiment_score":0.2461923754640988},{"text":"Yeah.","start":778.25,"end":778.56995,"sentiment":"neutral","sentiment_score":0.15214990079402924},{"text":"So what I'll basically do is from the sale of the fund is we'll do a bit of a rebalance.","start":778.56995,"end":783.55,"sentiment":"neutral","sentiment_score":0.11869775168597699},{"text":"So we'll divest that for that one, put it into the other options, and then rebalance it so it spreads across the portfolio.","start":783.93,"end":790.19495,"sentiment":"neutral","sentiment_score":0.11593731249804082},{"text":"Sound good?","start":792.01495,"end":792.83496,"sentiment":"positive","sentiment_score":0.49909088015556335}],"sentiment":"neutral","sentiment_score":0.16062563564628363,"num_words":60,"start":764.765,"end":792.83496},{"sentences":[{"text":"Cool.","start":793.935,"end":794.435,"sentiment":"positive","sentiment_score":0.6782616376876831},{"text":"Do you want me I'll put together an updated plan just to show you the figures and what we're doing.","start":794.815,"end":799.555,"sentiment":"positive","sentiment_score":0.35488021820783616},{"text":"I'll update the projections in there as well.","start":799.77496,"end":801.69,"sentiment":"neutral","sentiment_score":0.26395083963871},{"text":"Do you want me to factor in anything in terms of, like, salary sacrifice or anything like that or just your employer contributions?","start":801.77,"end":807.87,"sentiment":"neutral","sentiment_score":-0.014933970959290215},{"text":"Perfect.","start":817.685,"end":817.845,"sentiment":"neutral","sentiment_score":-0.057576294988393784}],"sentiment":"neutral","sentiment_score":0.17898896399815128,"num_words":53,"start":793.935,"end":817.845},{"sentences":[{"text":"So I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then.","start":817.845,"end":837.22,"sentiment":"neutral","sentiment_score":0.07726350602140461},{"text":"But for now, we'll just go baseline.","start":837.22,"end":838.76,"sentiment":"neutral","sentiment_score":0.04715843019740922},{"text":"Yeah.","start":846.76495,"end":847.26495,"sentiment":"neutral","sentiment_score":0.02060985192656517},{"text":"And for the commissions, you know, if they'll pay you super on those.","start":848.52496,"end":851.985,"sentiment":"neutral","sentiment_score":-0.013836369348260073},{"text":"Yeah.","start":855.56494,"end":856.06494,"sentiment":"neutral","sentiment_score":0.014743665233254433}],"sentiment":"neutral","sentiment_score":0.060623864203200234,"num_words":91,"start":817.845,"end":856.06494},{"sentences":[{"text":"Alright.","start":857.725,"end":858.125,"sentiment":"neutral","sentiment_score":0.0631307065486908},{"text":"Would it be better to base it then for you on a 150 grands and go for that or go a bit more conservative with it?","start":858.125,"end":864.18,"sentiment":"neutral","sentiment_score":0.06620131003168914},{"text":"Yep.","start":870.56,"end":871.06,"sentiment":"neutral","sentiment_score":0.20125779509544373},{"text":"Then two.","start":872.72003,"end":873.82495,"sentiment":"neutral","sentiment_score":0.1750543862581253},{"text":"Yep.","start":873.82495,"end":874.305,"sentiment":"positive","sentiment_score":0.35096877813339233}],"sentiment":"neutral","sentiment_score":0.08666774558444176,"num_words":31,"start":857.725,"end":874.305},{"sentences":[{"text":"Easy done.","start":874.305,"end":875.045,"sentiment":"positive","sentiment_score":0.6142881214618683},{"text":"Sweet.","start":876.865,"end":877.185,"sentiment":"positive","sentiment_score":0.5377612113952637},{"text":"So I'll get that all rebalanced for you, and we'll sort out the rest fund as well.","start":877.185,"end":882.165,"sentiment":"positive","sentiment_score":0.38672535296748667},{"text":"Leave the insurances as is.","start":882.70496,"end":884.485,"sentiment":"neutral","sentiment_score":0.11098750829696655},{"text":"And just quickly in terms of, like, estate planning, anything you wanna do in terms of beneficiary nominations, wills, powers of attorney?","start":884.785,"end":891.89,"sentiment":"neutral","sentiment_score":0.1148862906477668}],"sentiment":"neutral","sentiment_score":0.2430447742659995,"num_words":47,"start":874.305,"end":891.89},{"sentences":[{"text":"Yep.","start":898.35004,"end":898.59,"sentiment":"neutral","sentiment_score":0.17336007952690125},{"text":"Do you want me to prefill anything on there or just send you the forms and call back if you got any questions?","start":898.59,"end":903.51495,"sentiment":"neutral","sentiment_score":0.0919951187527698},{"text":"So we normally put down who you wanna nominate, date of birth, possibly address, and then just the type of nomination if you want it to be legally binding and whether you want it to expire every three years or just be continuous.","start":907.815,"end":921.01996,"sentiment":"neutral","sentiment_score":0.020889107874313067},{"text":"Yep.","start":928.04,"end":928.54,"sentiment":"neutral","sentiment_score":0.10812356323003768},{"text":"Alright.","start":928.76,"end":929.07996,"sentiment":"neutral","sentiment_score":0.12003615498542786}],"sentiment":"neutral","sentiment_score":0.049502016922486,"num_words":69,"start":898.35004,"end":929.07996},{"sentences":[{"text":"So partner, 100%.","start":929.07996,"end":930.22504,"sentiment":"neutral","sentiment_score":0.09440533816814423},{"text":"Non lapping binding.","start":931.16504,"end":932.305,"sentiment":"neutral","sentiment_score":0.03768365581830343},{"text":"Your partner, de facto or married?","start":934.445,"end":938.065,"sentiment":"neutral","sentiment_score":0.05900146005054315},{"text":"De facto.","start":941.405,"end":942.125,"sentiment":"neutral","sentiment_score":0.06450565159320831},{"text":"Okay.","start":942.125,"end":942.625,"sentiment":"neutral","sentiment_score":0.03247302770614624}],"sentiment":"neutral","sentiment_score":0.06078400487701098,"num_words":15,"start":929.07996,"end":942.625},{"sentences":[{"text":"Do you want me to put in I do have your next of kin with us listed to Sarah Morris, the mother of the three children.","start":943.33,"end":950.71,"sentiment":"neutral","sentiment_score":0.06181287536254296},{"text":"Perfect.","start":952.69,"end":953.19,"sentiment":"positive","sentiment_score":0.6896077394485474},{"text":"So keep her as emergency contact with us and three dependents are still for the family.","start":953.33,"end":960.645,"sentiment":"neutral","sentiment_score":0.30462814029306173},{"text":"Perfect.","start":962.385,"end":962.885,"sentiment":"positive","sentiment_score":0.5605100989341736},{"text":"Alright.","start":964.22504,"end":964.72504,"sentiment":"positive","sentiment_score":0.39658576250076294}],"sentiment":"neutral","sentiment_score":0.18061974677774642,"num_words":45,"start":943.33,"end":964.72504},{"sentences":[{"text":"Easy done.","start":964.78503,"end":965.60504,"sentiment":"positive","sentiment_score":0.5915902554988861},{"text":"That's sorted.","start":966.145,"end":966.865,"sentiment":"positive","sentiment_score":0.3456209599971771},{"text":"That's sorted.","start":966.865,"end":967.685,"sentiment":"neutral","sentiment_score":0.20684318244457245},{"text":"Assets and liabilities wise, just quickly, cars, bike, computer equipment, any cash savings built up so far, I can just note down for your fact find.","start":968.145,"end":976.36,"sentiment":"neutral","sentiment_score":0.1939395714837771},{"text":"Yeah.","start":982.98004,"end":983.06,"sentiment":"neutral","sentiment_score":0.12068095058202744}],"sentiment":"neutral","sentiment_score":0.22579450318307587,"num_words":33,"start":964.78503,"end":983.06},{"sentences":[{"text":"Right.","start":983.06,"end":983.3,"sentiment":"neutral","sentiment_score":0.1226908564567566},{"text":"Okay.","start":983.3,"end":983.62,"sentiment":"neutral","sentiment_score":0.13720571994781494},{"text":"I'll double those up to 16 for the computer and about 90 for the cars and bikes.","start":983.62,"end":989.005,"sentiment":"neutral","sentiment_score":0.16441787253407872},{"text":"And that's pretty much it.","start":992.34503,"end":993.885,"sentiment":"positive","sentiment_score":0.4604997932910919},{"text":"Bit of a reminder for the will and power of attorney.","start":994.10504,"end":996.10504,"sentiment":"neutral","sentiment_score":0.17515193196860226}],"sentiment":"neutral","sentiment_score":0.20811916078839984,"num_words":35,"start":983.06,"end":996.10504},{"sentences":[{"text":"Update the beneficiaries for the life insurance and the super, rebalance the portfolio, and we should be good to go.","start":996.10504,"end":1004.88,"sentiment":"positive","sentiment_score":0.38511235639452934},{"text":"We did have a couple of goals noted down for some holidays to Europe.","start":1005.5,"end":1008.64,"sentiment":"neutral","sentiment_score":0.23704779254538672},{"text":"You'd obviously finished the study and everything.","start":1010.22003,"end":1012.24,"sentiment":"neutral","sentiment_score":0.15075488601412093},{"text":"Are you still going back into software design at any point, or do you reckon sticking to the sales side?","start":1015.61505,"end":1020.835,"sentiment":"neutral","sentiment_score":0.02495393082499504},{"text":"Yep.","start":1023.695,"end":1024.1951,"sentiment":"neutral","sentiment_score":0.08989965915679932}],"sentiment":"neutral","sentiment_score":0.20427707582712173,"num_words":62,"start":996.10504,"end":1024.1951},{"sentences":[{"text":"I was gonna say.","start":1025.295,"end":1026.435,"sentiment":"neutral","sentiment_score":0.007955904118716717},{"text":"Yeah.","start":1030.4199,"end":1030.9,"sentiment":"neutral","sentiment_score":0.13652634620666504},{"text":"One's the hobby.","start":1030.9,"end":1031.78,"sentiment":"neutral","sentiment_score":0.15907347202301025},{"text":"One gets the bills paid.","start":1031.78,"end":1033.16,"sentiment":"neutral","sentiment_score":0.20348674952983856},{"text":"Easy done.","start":1035.2999,"end":1035.86,"sentiment":"positive","sentiment_score":0.4081418961286545}],"sentiment":"neutral","sentiment_score":0.1652858612438043,"num_words":15,"start":1025.295,"end":1035.86},{"sentences":[{"text":"Alrighty.","start":1035.86,"end":1036.36,"sentiment":"neutral","sentiment_score":0.22302564978599548},{"text":"Outside of that, mate, we've got that review pack with you.","start":1037.14,"end":1039.88,"sentiment":"neutral","sentiment_score":0.1589419740167531},{"text":"No changes so far to fees and agreements with us until next year.","start":1040.4199,"end":1045.615,"sentiment":"neutral","sentiment_score":0.05563010017459209},{"text":"One thing I will let you know, I was talking to Sev, we're looking to do a bit of a tiered fee structure for everybody next year.","start":1045.835,"end":1051.135,"sentiment":"neutral","sentiment_score":0.11354734472654483},{"text":"So when they hit $200 or above, we'll start doing some discounts as 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go?","start":1075.0651,"end":1078.685,"sentiment":"neutral","sentiment_score":0.04373334821027059}],"sentiment":"neutral","sentiment_score":0.04219625861910374,"num_words":46,"start":1058.8099,"end":1078.685},{"sentences":[{"text":"Cool.","start":1081.545,"end":1082.025,"sentiment":"positive","sentiment_score":0.6061819195747375},{"text":"I will pretty much send this off today to just drop those comparisons, do the switch around in the updated advice strategy.","start":1082.025,"end":1088.87,"sentiment":"positive","sentiment_score":0.41926744038408453},{"text":"I'm off next week, but as soon as I get back, I'll get the team to book you in, run through the figures together, and make sure you're comfortable with And then just as normal, if you give us the thumbs up, we can pretty much jump on the account and make the trades for you.","start":1089.25,"end":1102.8049,"sentiment":"neutral","sentiment_score":0.3168318936867373},{"text":"Awesome, mate.","start":1104.625,"end":1105.105,"sentiment":"positive","sentiment_score":0.6235333979129791},{"text":"Well, thank you for calling back and taking the time, and I shall talk to you in a couple of weeks' time.","start":1105.105,"end":1111.789,"sentiment":"positive","sentiment_score":0.5482996092601256}],"sentiment":"positive","sentiment_score":0.3969156296507826,"num_words":103,"start":1081.545,"end":1111.789},{"sentences":[{"text":"Thanks, David.","start":1111.789,"end":1112.509,"sentiment":"positive","sentiment_score":0.7122025489807129},{"text":"Have a good one.","start":1112.509,"end":1113.329,"sentiment":"positive","sentiment_score":0.7175635397434235},{"text":"Bye.","start":1114.669,"end":1115.169,"sentiment":"neutral","sentiment_score":-0.1106814667582512}],"sentiment":"positive","sentiment_score":0.5977111128824097,"num_words":7,"start":1111.789,"end":1115.169}]}}]},{"alternatives":[{"transcript":"I'm good. How are you? Yeah. Not a problem. Yep. Yeah. I'm in front of a computer now. Yep. Not really. Yep. Pretty much. As long as you need to. Yeah. Not a problem. Yeah. They went insolvent the start of June. So FEG will actually I still have to claim money off FEG. I don't think they paid the last super contribution for the quarter. Yeah. That was for the first quarter. Yeah. The last quarter. About $3,900 or something. It's pretty much tied up at the moment. They have signed a Docker, which means Fed won't won't get involved until they, you know, send money through or something. Yeah. Maybe the next two months, I understand. I got a new job the next day. It's got a sales representative, I guess, sales consultant. It's a 100,000 plus commission. Homes and Drainage Flats, Proprietary Limited. Yep. I did. Yep. Yep. Yellow and pocket. Well, we can. I mean, originally, it was because NetWells was very hard to get any super out of for any reason. So we sorta just kept the rest account open. I can't see myself wanting to use my super for anything, so I can't see any problem with rolling it into the hub. Yeah. I mean, I'm working now. So it was only well well, I had the four years off, but I was claiming it about once every twelve months, but now I won't be. I have looked at dental stuff, but it's not worth taking out of my super. Not really. I mean, it it'd be very hard to lose lose my income. In a wheelchair, but but I'm not there. Not really, to be honest. Yep. No. I I really can't unless I have a car accident or something. I can do my job from home in a wheelchair, and it'll be very hard to claim the income protection. Yes. No problem. Yeah. Well, I'll sort of leave that up to you guys. Last time I I had this conversation with Chevy about Vanguard because it was like three years of Vanguard just tanking. And then it shot up something like 24% the next year. So if and again, like I said, that's why I keep my mouth shut now because Stevie will tell me, no. No. It's it's gonna go up and then it does. So I guess what's the what's the advice with Dan? Do you think it's gonna go up or not? We don't. I mean, I would probably say spreading the assets across the Australian ones that we've already got. Above my girl. Beta shares. Raffy Odds EST units. Yep. Yep. That sounds fine with me. Probably, and cyber because he's at BetaShares, global cyber, ETF as well. Yep. Sounds good. Probably not at this stage. When I start making contributions, I'll I'll probably do that. Yeah. I would expect commissions will probably be as a minimum, maybe 50 for the year. I believe that have to Probably do $1.25. That's the the bare minimum I would accept in a role anyway. Yeah. I do I do wanna update beneficiaries. If you can send me the paperwork to do so. What what's required in the prefill? Yeah. It's pretty much all all just going to my partner, so it'd just be a case of putting her on the beneficiary. I guess, Defacto. Yep. Yep. I've got I've got, like, 10 in the bank, and I've doubled my cars and computers and stuff. Good. I'm just gonna stick to sales. I make more money. It's not not my passion, but I can still do the other stuff on the side. It's fine. Pretty much. No. That's pretty much it. Yep. Yeah. No. Not a problem. Thanks. Bye. 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How are you? Yeah. Not a problem. Yep.\n\nYeah. I'm in front of a computer now. Yep. Not really. Yep.\n\nPretty much. As long as you need to. Yeah. Not a problem. Yeah.\n\nThey went insolvent the start of June. So FEG will actually I still have to claim money off FEG. I don't think they paid the last super contribution for the quarter. Yeah. That was for the first quarter.\n\nYeah. The last quarter. About $3,900 or something. It's pretty much tied up at the moment. They have signed a Docker, which means Fed won't won't get involved until they, you know, send money through or something.\n\nYeah. Maybe the next two months, I understand. I got a new job the next day. It's got a sales representative, I guess, sales consultant. It's a 100,000 plus commission.\n\nHomes and Drainage Flats, Proprietary Limited. Yep. I did. Yep. Yep.\n\nYellow and pocket. Well, we can. I mean, originally, it was because NetWells was very hard to get any super out of for any reason. So we sorta just kept the rest account open. I can't see myself wanting to use my super for anything, so I can't see any problem with rolling it into the hub.\n\nYeah. I mean, I'm working now. So it was only well well, I had the four years off, but I was claiming it about once every twelve months, but now I won't be. I have looked at dental stuff, but it's not worth taking out of my super. Not really.\n\nI mean, it it'd be very hard to lose lose my income. In a wheelchair, but but I'm not there. Not really, to be honest. Yep. No.\n\nI I really can't unless I have a car accident or something. I can do my job from home in a wheelchair, and it'll be very hard to claim the income protection. Yes. No problem. Yeah.\n\nWell, I'll sort of leave that up to you guys. Last time I I had this conversation with Chevy about Vanguard because it was like three years of Vanguard just tanking. And then it shot up something like 24% the next year. So if and again, like I said, that's why I keep my mouth shut now because Stevie will tell me, no. No.\n\nIt's it's gonna go up and then it does. So I guess what's the what's the advice with Dan? Do you think it's gonna go up or not? We don't. I mean, I would probably say spreading the assets across the Australian ones that we've already got.\n\nAbove my girl. Beta shares. Raffy Odds EST units. Yep. Yep.\n\nThat sounds fine with me. Probably, and cyber because he's at BetaShares, global cyber, ETF as well. Yep. Sounds good. Probably not at this stage.\n\nWhen I start making contributions, I'll I'll probably do that. Yeah. I would expect commissions will probably be as a minimum, maybe 50 for the year. I believe that have to Probably do $1.25. That's the the bare minimum I would accept in a role anyway.\n\nYeah. I do I do wanna update beneficiaries. If you can send me the paperwork to do so. What what's required in the prefill? Yeah.\n\nIt's pretty much all all just going to my partner, so it'd just be a case of putting her on the beneficiary. I guess, Defacto. Yep. Yep. I've got I've got, like, 10 in the bank, and I've doubled my cars and computers and stuff.\n\nGood. I'm just gonna stick to sales. I make more money. It's not not my passion, but I can still do the other stuff on the side. It's fine.\n\nPretty much. No. That's pretty much it. Yep. Yeah.\n\nNo. Not a problem. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"I'm good.","start":4.16,"end":4.56,"sentiment":"positive","sentiment_score":0.41795438528060913},{"text":"How are you?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.30157705148061115},{"text":"Yeah.","start":8.88,"end":9.12,"sentiment":"neutral","sentiment_score":0.29194676876068115},{"text":"Not a problem.","start":9.12,"end":9.86,"sentiment":"positive","sentiment_score":0.348519504070282},{"text":"Yep.","start":20.505,"end":21.005,"sentiment":"neutral","sentiment_score":0.15389655530452728}],"sentiment":"neutral","sentiment_score":0.32320417612791064,"num_words":10,"start":4.16,"end":21.005},{"sentences":[{"text":"Yeah.","start":30.3,"end":30.619999,"sentiment":"neutral","sentiment_score":0.055571675300598145},{"text":"I'm in front of a computer 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problem.","start":75.865,"end":76.685,"sentiment":"neutral","sentiment_score":0.09386596828699112},{"text":"Yeah.","start":96.409996,"end":96.81,"sentiment":"neutral","sentiment_score":-0.07358864694833755}],"sentiment":"neutral","sentiment_score":0.05923563213302539,"num_words":13,"start":57.99,"end":96.81},{"sentences":[{"text":"They went insolvent the start of June.","start":96.81,"end":101.15,"sentiment":"neutral","sentiment_score":-0.12606228675161088},{"text":"So FEG will actually I still have to claim money off FEG.","start":104.195,"end":108.695,"sentiment":"neutral","sentiment_score":-0.08975212772687276},{"text":"I don't think they paid the last super contribution for the quarter.","start":108.994995,"end":112.534996,"sentiment":"neutral","sentiment_score":-0.08974843782683213},{"text":"Yeah.","start":134.58499,"end":134.825,"sentiment":"neutral","sentiment_score":0.030935881659388546},{"text":"That was for the first quarter.","start":134.825,"end":136.36499,"sentiment":"neutral","sentiment_score":0.01994843144590656}],"sentiment":"neutral","sentiment_score":-0.07594253483081334,"num_words":38,"start":96.81,"end":136.36499},{"sentences":[{"text":"Yeah.","start":139.625,"end":139.86499,"sentiment":"neutral","sentiment_score":-0.024991167709231377},{"text":"The last quarter.","start":139.86499,"end":140.845,"sentiment":"neutral","sentiment_score":-0.014436674304306507},{"text":"About $3,900 or something.","start":141.06499,"end":143.405,"sentiment":"neutral","sentiment_score":-0.011843014624901116},{"text":"It's pretty much tied up at the moment.","start":152.26001,"end":153.7,"sentiment":"neutral","sentiment_score":-0.12595938984304667},{"text":"They have signed a Docker, which means Fed won't won't get involved until they, you know, send money through or something.","start":153.7,"end":164.545,"sentiment":"neutral","sentiment_score":-0.09698993180479322}],"sentiment":"neutral","sentiment_score":-0.0854091063720753,"num_words":37,"start":139.625,"end":164.545},{"sentences":[{"text":"Yeah.","start":164.605,"end":165.105,"sentiment":"neutral","sentiment_score":-0.03691232204437256},{"text":"Maybe the next two months, I understand.","start":166.525,"end":168.385,"sentiment":"neutral","sentiment_score":-0.059506742017609734},{"text":"I got a new job the next day.","start":176.56999,"end":178.26999,"sentiment":"neutral","sentiment_score":0.008430820656940341},{"text":"It's got a sales representative, I guess, sales consultant.","start":187.385,"end":190.845,"sentiment":"neutral","sentiment_score":0.05352433232797517},{"text":"It's a 100,000 plus commission.","start":192.105,"end":193.965,"sentiment":"neutral","sentiment_score":0.050932449847459794}],"sentiment":"neutral","sentiment_score":0.011678942975898584,"num_words":30,"start":164.605,"end":193.965},{"sentences":[{"text":"Homes and Drainage Flats, Proprietary Limited.","start":201.34999,"end":203.93,"sentiment":"neutral","sentiment_score":0.03516383251796166},{"text":"Yep.","start":210.95,"end":211.45,"sentiment":"neutral","sentiment_score":0.17201846837997437},{"text":"I did.","start":216.295,"end":216.61499,"sentiment":"neutral","sentiment_score":0.094045240432024},{"text":"Yep.","start":216.61499,"end":217.11499,"sentiment":"neutral","sentiment_score":0.15076814591884613},{"text":"Yep.","start":236.91,"end":237.41,"sentiment":"neutral","sentiment_score":0.09974634647369383}],"sentiment":"neutral","sentiment_score":0.07469149424948475,"num_words":11,"start":201.34999,"end":237.41},{"sentences":[{"text":"Yellow and pocket.","start":246.065,"end":247.045,"sentiment":"neutral","sentiment_score":0.03523462141553561},{"text":"Well, we can.","start":280.215,"end":280.775,"sentiment":"neutral","sentiment_score":0.12644080817699432},{"text":"I mean, originally, it was because NetWells was very hard to get any super out of for any reason.","start":280.775,"end":286.875,"sentiment":"neutral","sentiment_score":-0.09831253556828749},{"text":"So we sorta just kept the rest account open.","start":287.49,"end":289.99,"sentiment":"neutral","sentiment_score":0.028044876125123765},{"text":"I can't see myself wanting to use my super for anything, so I can't see any problem with rolling it into the hub.","start":291.65,"end":297.67,"sentiment":"neutral","sentiment_score":-0.07761181890964508}],"sentiment":"neutral","sentiment_score":-0.05115052345290519,"num_words":57,"start":246.065,"end":297.67},{"sentences":[{"text":"Yeah.","start":315.59,"end":315.90997,"sentiment":"neutral","sentiment_score":-0.03233681619167328},{"text":"I mean, I'm working now.","start":315.90997,"end":317.11,"sentiment":"neutral","sentiment_score":-0.07112002447247505},{"text":"So it was only well well, I had the four years off, but I was claiming it about once every twelve months, but now I won't be.","start":317.11,"end":323.90997,"sentiment":"neutral","sentiment_score":-0.13316561861170662},{"text":"I have looked at dental stuff, but it's not worth taking out of my super.","start":323.90997,"end":327.93,"sentiment":"neutral","sentiment_score":-0.3091518590847651},{"text":"Not really.","start":347.03,"end":348.01,"sentiment":"neutral","sentiment_score":-0.06891784071922302}],"sentiment":"neutral","sentiment_score":-0.17517044417560101,"num_words":50,"start":315.59,"end":348.01},{"sentences":[{"text":"I mean, it it'd be very hard to lose lose my income.","start":348.07,"end":355.45,"sentiment":"neutral","sentiment_score":-0.07112433171520631},{"text":"In a wheelchair, but but I'm not there.","start":360.025,"end":362.445,"sentiment":"neutral","sentiment_score":-0.055758432717993855},{"text":"Not really, to be honest.","start":377.34,"end":378.8,"sentiment":"neutral","sentiment_score":-0.09827554821968079},{"text":"Yep.","start":419.075,"end":419.575,"sentiment":"neutral","sentiment_score":0.18501035869121552},{"text":"No.","start":441.965,"end":442.205,"sentiment":"neutral","sentiment_score":-0.30043336749076843}],"sentiment":"neutral","sentiment_score":-0.07060593304534753,"num_words":27,"start":348.07,"end":442.205},{"sentences":[{"text":"I I really can't unless I have a car accident or something.","start":442.205,"end":445.005,"sentiment":"negative","sentiment_score":-0.3704293593764305},{"text":"I can do my job from home in a wheelchair, and it'll be very hard to claim the income protection.","start":445.005,"end":449.985,"sentiment":"neutral","sentiment_score":-0.26783814653754234},{"text":"Yes.","start":471.405,"end":471.72498,"sentiment":"neutral","sentiment_score":0.11301957070827484},{"text":"No problem.","start":471.72498,"end":472.38498,"sentiment":"neutral","sentiment_score":0.2729017958045006},{"text":"Yeah.","start":552.995,"end":553.495,"sentiment":"neutral","sentiment_score":0.23547029495239255}],"sentiment":"neutral","sentiment_score":-0.24743393849995401,"num_words":36,"start":442.205,"end":553.495},{"sentences":[{"text":"Well, I'll sort of leave that up to you guys.","start":626.19995,"end":628.12,"sentiment":"neutral","sentiment_score":-0.035967937856912616},{"text":"Last time I I had this conversation with Chevy about Vanguard because it was like three years of Vanguard just tanking.","start":628.12,"end":635.885,"sentiment":"neutral","sentiment_score":-0.13416067972069695},{"text":"And then it shot up something like 24% the next year.","start":637.465,"end":640.745,"sentiment":"neutral","sentiment_score":-0.17654141106388785},{"text":"So if and again, like I said, that's why I keep my mouth shut now because Stevie will tell me, no.","start":640.745,"end":647.44995,"sentiment":"neutral","sentiment_score":-0.2388820426449889},{"text":"No.","start":647.44995,"end":647.52997,"sentiment":"negative","sentiment_score":-0.4228513836860657}],"sentiment":"neutral","sentiment_score":-0.16497474146308377,"num_words":64,"start":626.19995,"end":647.52997},{"sentences":[{"text":"It's it's gonna go up and then it does.","start":647.52997,"end":649.61,"sentiment":"neutral","sentiment_score":-0.23520037200715807},{"text":"So I guess what's the what's the advice with Dan?","start":649.61,"end":652.49,"sentiment":"neutral","sentiment_score":-0.03098499123007059},{"text":"Do you think it's gonna go up or not?","start":652.49,"end":654.43,"sentiment":"neutral","sentiment_score":-0.04902766065465079},{"text":"We don't.","start":656.00995,"end":656.67,"sentiment":"neutral","sentiment_score":-0.2499016672372818},{"text":"I mean, I would probably say spreading the assets across the Australian ones that we've already got.","start":723.535,"end":732.88,"sentiment":"neutral","sentiment_score":0.11202206046265714}],"sentiment":"neutral","sentiment_score":-0.03113469176311442,"num_words":47,"start":647.52997,"end":732.88},{"sentences":[{"text":"Above my girl.","start":752.505,"end":753.385,"sentiment":"neutral","sentiment_score":0.07505639394124348},{"text":"Beta shares.","start":753.385,"end":754.28503,"sentiment":"neutral","sentiment_score":0.06712498143315315},{"text":"Raffy Odds EST units.","start":754.745,"end":756.365,"sentiment":"neutral","sentiment_score":0.0899312999099493},{"text":"Yep.","start":756.585,"end":757.085,"sentiment":"neutral","sentiment_score":0.14554309844970703},{"text":"Yep.","start":770.07,"end":770.47,"sentiment":"neutral","sentiment_score":0.25774848461151123}],"sentiment":"neutral","sentiment_score":0.10203962976282294,"num_words":11,"start":752.505,"end":770.47},{"sentences":[{"text":"That sounds fine with me.","start":770.47,"end":771.91,"sentiment":"positive","sentiment_score":0.38755008578300476},{"text":"Probably, and cyber because he's at BetaShares, global cyber, ETF as well.","start":771.91,"end":777.98505,"sentiment":"neutral","sentiment_score":0.1273036083827416},{"text":"Yep.","start":790.9,"end":791.4,"sentiment":"neutral","sentiment_score":0.3016209006309509},{"text":"Sounds good.","start":792.98,"end":793.8,"sentiment":"positive","sentiment_score":0.7138475179672241},{"text":"Probably not at this stage.","start":809.16504,"end":810.545,"sentiment":"negative","sentiment_score":-0.3470166504383087}],"sentiment":"neutral","sentiment_score":0.13838505655527114,"num_words":25,"start":770.47,"end":810.545},{"sentences":[{"text":"When I start making contributions, I'll I'll probably do that.","start":811.085,"end":815.745,"sentiment":"neutral","sentiment_score":-0.0380739439278841},{"text":"Yeah.","start":839.405,"end":839.805,"sentiment":"neutral","sentiment_score":0.05593501403927803},{"text":"I would expect commissions will probably be as a minimum, maybe 50 for the year.","start":839.805,"end":845.985,"sentiment":"neutral","sentiment_score":0.004381481806437174},{"text":"I believe that have to Probably do $1.25.","start":853.48004,"end":866.015,"sentiment":"neutral","sentiment_score":-0.003263605060055852},{"text":"That's the the bare minimum I would accept in a role anyway.","start":866.015,"end":869.79504,"sentiment":"neutral","sentiment_score":0.05944299045950174}],"sentiment":"neutral","sentiment_score":0.009307061888925407,"num_words":46,"start":811.085,"end":869.79504},{"sentences":[{"text":"Yeah.","start":892.015,"end":892.255,"sentiment":"neutral","sentiment_score":0.12003029137849808},{"text":"I do I do wanna update beneficiaries.","start":892.255,"end":894.355,"sentiment":"neutral","sentiment_score":0.1589738428592682},{"text":"If you can send me the paperwork to do so.","start":895.695,"end":898.115,"sentiment":"neutral","sentiment_score":0.1468743696808815},{"text":"What what's required in the prefill?","start":904.95,"end":907.13,"sentiment":"neutral","sentiment_score":0.010352362878620625},{"text":"Yeah.","start":921.885,"end":922.205,"sentiment":"neutral","sentiment_score":0.036276675760746}],"sentiment":"neutral","sentiment_score":0.1119992696493864,"num_words":25,"start":892.015,"end":922.205},{"sentences":[{"text":"It's pretty much all all just going to my partner, so it'd just be a case of putting her on the beneficiary.","start":922.205,"end":926.78503,"sentiment":"neutral","sentiment_score":0.0422830537638881},{"text":"I guess, Defacto.","start":939.88,"end":940.78,"sentiment":"neutral","sentiment_score":0.05196842302878698},{"text":"Yep.","start":956.695,"end":957.195,"sentiment":"neutral","sentiment_score":0.26547181606292725},{"text":"Yep.","start":961.91,"end":962.41,"sentiment":"neutral","sentiment_score":0.2528308928012848},{"text":"I've got I've got, like, 10 in the bank, and I've doubled my cars and computers and stuff.","start":977.645,"end":982.385,"sentiment":"neutral","sentiment_score":0.07786604679293102}],"sentiment":"neutral","sentiment_score":0.06680053340064154,"num_words":45,"start":922.205,"end":982.385},{"sentences":[{"text":"Good.","start":989.76996,"end":990.26996,"sentiment":"positive","sentiment_score":0.5802222490310669},{"text":"I'm just gonna stick to sales.","start":1021.53,"end":1023.23,"sentiment":"neutral","sentiment_score":0.05936314972738425},{"text":"I make more money.","start":1023.29,"end":1024.4299,"sentiment":"neutral","sentiment_score":0.11788316257297993},{"text":"It's not not my passion, but I can still do the other stuff on the side.","start":1025.05,"end":1029.77,"sentiment":"neutral","sentiment_score":0.10587069019675255},{"text":"It's fine.","start":1029.77,"end":1030.59,"sentiment":"neutral","sentiment_score":0.1802605539560318}],"sentiment":"neutral","sentiment_score":0.11939261892232401,"num_words":29,"start":989.76996,"end":1030.59},{"sentences":[{"text":"Pretty much.","start":1033.4349,"end":1034.175,"sentiment":"neutral","sentiment_score":0.3321615755558014},{"text":"No.","start":1079.54,"end":1079.86,"sentiment":"neutral","sentiment_score":-0.2506488561630249},{"text":"That's pretty much it.","start":1079.86,"end":1081.0,"sentiment":"neutral","sentiment_score":-0.08670869283378124},{"text":"Yep.","start":1089.4601,"end":1089.9601,"sentiment":"neutral","sentiment_score":0.1670469492673874},{"text":"Yeah.","start":1103.095,"end":1103.335,"sentiment":"neutral","sentiment_score":0.10242192447185516}],"sentiment":"neutral","sentiment_score":0.03736759970585505,"num_words":9,"start":1033.4349,"end":1103.335},{"sentences":[{"text":"No.","start":1103.335,"end":1103.835,"sentiment":"neutral","sentiment_score":0.025997228920459747},{"text":"Not a problem.","start":1110.4801,"end":1111.2201,"sentiment":"neutral","sentiment_score":0.2475666602452596},{"text":"Thanks.","start":1113.36,"end":1113.76,"sentiment":"positive","sentiment_score":0.7008671760559082},{"text":"Bye.","start":1113.76,"end":1113.92,"sentiment":"positive","sentiment_score":0.4471493661403656},{"text":"Bye.","start":1113.92,"end":1114.42,"sentiment":"neutral","sentiment_score":0.3174014687538147}],"sentiment":"neutral","sentiment_score":0.31915931722947527,"num_words":7,"start":1103.335,"end":1114.42}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, David. Tommy here, senior adviser. How are you doing?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm doing absolutely fantastic. Thank you for calling back in.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Awesome. Mate, I've got you here for an annual review. I basically just wanted to go through and up some details with you just from changes in circumstance, and\n\nChannel 1: Yep.\n\nChannel 0: I've got a few reports to send through regarding the super and the insurances and so on. Will you be able to look on to the email with me today, or should I just run you through it?\n\nChannel 1: Yeah. I'm in front of a computer now.\n\nChannel 0: Cool. So I'll pop that through. It should come up with a signature request for Oakview Financial annual review. Just your live email address.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Just while that's popping through, anything in particular that you would like to focus on for this review?\n\nChannel 1: Not really.\n\nChannel 0: Cool. Just a bit of a general update, that kind of thing.\n\nChannel 1: Yep. Pretty much.\n\nChannel 0: Awesome. Okay. And just so I can gauge your day, mate, how long have I got you for today?\n\nChannel 1: As long as you need to.\n\nChannel 0: Cool. I don't normally take that long. Usually, about fifteen, twenty. But if there's any other areas you wanna talk about today, I have set aside the time.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Perfect. Also, while that is popping through, just in terms of updating a few details here, I can see a bit of a change in employer for the contributions coming in. The one that we've got currently is Liberty Oz, Pty Ltd, trading as container domes and shelter.\n\nChannel 1: Yeah. They went insolvent the start of June.\n\nChannel 0: Oh, no.\n\nChannel 1: So FEG will actually I still have to claim money off FEG. I don't think they paid the last super contribution for the quarter.\n\nChannel 0: Right. K. I'm having a look at contributions here. I know there was some tax office ones popped in last year, but as far as the most recent ones, I've seen three big ones come through. You did get one on the first of May was the most recent.\n\nThat was 3,300\n\nChannel 1: Yeah. That was for the first quarter.\n\nChannel 0: and 50. Yep. So you still owed that last last\n\nChannel 1: Yeah. The\n\nChannel 0: quarter\n\nChannel 1: last\n\nChannel 0: of\n\nChannel 1: quarter.\n\nChannel 0: work.\n\nChannel 1: About $3,900 or something.\n\nChannel 0: Yep. Okay. And do you know if that's just still, like, expecting to be coming through or because of the insolvency that's all tied up at the moment?\n\nChannel 1: It's pretty much tied up at the moment. They have signed a Docker, which means Fed won't won't get involved until they, you know, send money through or something. Yeah. Maybe the next two months, I understand.\n\nChannel 0: Okay. Bit of a bummer. Outside of that, so now that they've gone insolvent, what's the the plan for work for you?\n\nChannel 1: I got a new job the next day.\n\nChannel 0: Oh, congratulations. Fantastic. Do you mind if I just grab the the title and the income for that one?\n\nChannel 1: It's got a sales representative, I guess, sales consultant.\n\nChannel 0: Yep.\n\nChannel 1: It's a 100,000 plus commission.\n\nChannel 0: 100,000 plus commission. Fantastic. And who's that through?\n\nChannel 1: Homes and Drainage Flats, Proprietary Limited.\n\nChannel 0: Homes and granny flats. B two I l t d. Fantastic. Thank you for that. I'm assuming that's full time gig.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Alrighty. Have you got that email open in front of you?\n\nChannel 1: I did. Yep.\n\nChannel 0: Perfect. So if you just pop in there, I don't know if you've used our new Odoo system before, but it kind of blends client data with a bit of a DocuSign attachment as well. This one, if you hit that purple button, it'll actually bring open all the review pack documents to go through together. So you can kind of click through, scroll through.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanted to just quickly touch base with you on, in that first one there, there's a super and insurance summary with our letterhead. Can you see that?\n\nChannel 1: Yellow and pocket.\n\nChannel 0: That's cool. Just in terms of the super funds, I do see that, obviously, Hub 24 is the main platform at this point in time. Veronica recommended you move across from Netwealth, get some lower fees, better investments in that. And with the rest account, that was kind of being kept open for, like, some hardship claims and things like that. So I wanted to just run that by you today and say, are we still keeping the rest account open at this point, or are we looking to consolidate that?\n\nWhat's your your preference?\n\nChannel 1: Well, we can. I mean, originally, it was because NetWells was very hard to get any super out of for any reason. So we sorta just kept the rest account open. I can't see myself wanting to use my super for anything, so I can't see any problem with rolling it into the hub.\n\nChannel 0: Yeah. And with the recent changes to all the super funds in the last three to six months have been updating their, like, hardship provisions. So all their forms are a bit more uniform, and they tend to have pretty similar requirements these days compared to last year and a few years ago.\n\nChannel 1: Yeah. I mean, I'm working now. So it was only well well, I had the four years off, but I was claiming it about once every twelve months, but now I won't be. I have looked at dental stuff, but it's not worth taking out of my super.\n\nChannel 0: Yep. Perfect. Alright. So I'll I'll have a bit of a look at getting that fixed up. With the Neos insurances, so because you've got the occupation now, were you wanting any quotes for, like, income protection or anything like that?\n\nBecause you've got life and disability insurance.\n\nChannel 1: Not really. I mean, it it'd be very hard to lose lose my income.\n\nChannel 0: Yeah. You'd be able to do it, you know, working from home or over the phone and\n\nChannel 1: In a wheelchair, but\n\nChannel 0: in\n\nChannel 1: but\n\nChannel 0: a wheelchair.\n\nChannel 1: I'm not there.\n\nChannel 0: Yep. And in terms of, like, cash flow and everything like that, what's the priority now with this new job in terms of savings? So I think we had you with, like, some cars, bikes, and a bit of computer equipment. Are you aiming for anything in particular?\n\nChannel 1: Not really, to be honest.\n\nChannel 0: Just build up the savings a little bit and track on. Cool. Alright. So for those two, we do have this is interesting. Income protection policy attached to the NEOS, $3.05 $8.06 a month.\n\nWe've got I'll let you know what that kind of covers compared to what you've got. $3.05 $8.06 divided by 70%. So you're currently protected for about 61,000.\n\nChannel 1: Yep.\n\nChannel 0: Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap. All the rebates off, it's well under a grand. So I think after the rebate, $840 a year for all three. So I I don't personally have any reasons to do any alterations on those unless there's anything sort of burning that you can see.\n\nChannel 1: No. I I really can't unless I have a car accident or something. I can do my job from home in a wheelchair, and it'll be very hard to claim the income protection.\n\nChannel 0: Yep. Easy done. Alrighty. When it comes to so that certificate of currency is there. If anything major does happen, obviously, we're not people to call, but we do help through claims process.\n\nSo paperwork, liaising with the funds, making sure you get a bit of advice along the side. If anything you need, just give us a buzz on that one.\n\nChannel 1: Yes. No problem.\n\nChannel 0: Beautiful. Beautiful. When it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth. That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while. You basically went from a 106,000 to a 129,000.\n\nThere was a bit of a dip in March when the Iran war kicked off where it dropped from $1.24 to $1.16 and then back up to $1.29. Now if you've got that email open, I really want to show you two things in particular. That third doc, you've probably already seen it, is a big blue table performance with IRR, and it's your hub 24 performance table. So you're in a growth portfolio. So four out of five on the risk scale, 80% growth assets, like shares, property, and gold.\n\nHigh risk would be 90 to a 100%. So you're like a peg below that if that rings a bell. Now when I look at the returns there, so you're aiming for an average of about eight to 10%. Good years, it's up fifteen, twenty. Bad years could be down ten, fifteen, that kind of thing.\n\nAverage out of about nine to 10, you should be sweet. If you look on the left hand side, you can see all the funds listed, and the very right hand side is the percentage returns. Are the figures able to be made out there? Are they clear enough?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So bottom to top makes a bit more sense. It's all pretty well double digits across the board until you hit the yield plus, which is 3.67%. That's like a safe assets, kinda like a bank savings, term deposits, and so on. So no big deal there.\n\nIndia is down 10%, and Bennelong at the top is at 19.83. So every other fund is doing very, very well. Those two are the ones that are negative for this year at the moment. Now what I can kinda see there is that India in general for us is a bit of a long term economic play as manufacturing goes from China to India. As their economy grows, their shares will tend to increase sometime over the next five and ten years.\n\nBut the one that's a bit of a concern is that Benelon option, which has dropped faster than the Aussie market and has bounced back not as much as the rest of the market has in that space. So what I'm basically asking here is I would like to look at a replacement option for that one. If you're still comfortable with that growth risk profile level, I can just do a straight switch out unless you're wanting me to increase or decrease your risk level.\n\nChannel 1: Well, I'll sort of leave that up to you guys. Last time I I had this conversation with Chevy about Vanguard because it was like three years of Vanguard just tanking. And then it shot up something like 24% the next year. So\n\nChannel 0: Yeah.\n\nChannel 1: if and again, like I said, that's why I keep my mouth shut now because Stevie will tell me, no. No. It's it's gonna go up and then it does. So I guess what's the what's the advice with Dan? Do you think it's gonna go up or not?\n\nChannel 0: No.\n\nChannel 1: We don't.\n\nChannel 0: No. So what happened with them a little bit differently than a normal fund, sometimes when you've got five top guys, they tend to jostle for position where one's third one year and first next year, and you kind of wait a year or two for them to bounce back. For these guys in particular, what happened was they invested in a company that had some linking into The UK corporate traveler. And then something came out of the news about corporate traveler, and they had to write down that asset. And that write down just completely tanked a lot of the funds.\n\nSince that point, a lot of their key members of the fund have actually left, and it's gotten to a point where we don't think there's any chance for it bouncing back in any significant way. So for this one, the real question is the style of replacement. Because Hub has the most investment options in the country, I've gotta whittle it down just a tiny bit. I can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market? Where does your gut feeling lean between the two?\n\nChannel 1: I mean, I would probably say spreading the assets across the Australian ones that we've already got.\n\nChannel 0: Which let's have a look at the ones that you've got. We've got the one in the middle. Can you see that there? Q o zed, beta Shares Australia Raffy in the middle there? It's above your gold allocation.\n\nChannel 1: Above my girl. Beta shares. Raffy Odds EST units. Yep.\n\nChannel 0: Yeah. So Better Shares has that one and another standard a 200 model. Those are pretty standard low fee, good performing. So I would pretty much be looking to switch them into some BetaShares options.\n\nChannel 1: Yep. That sounds fine with me. Probably, and cyber because he's at BetaShares, global cyber, ETF as well.\n\nChannel 0: Yeah. So what I'll basically do is from the sale of the fund is we'll do a bit of a rebalance. So we'll divest that for that one, put it into the other options, and then rebalance it so it spreads across the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Sound good?\n\nChannel 1: Sounds good.\n\nChannel 0: Cool. Do you want me I'll put together an updated plan just to show you the figures and what we're doing. I'll update the projections in there as well. Do you want me to factor in anything in terms of, like, salary sacrifice or anything like that or just your employer contributions?\n\nChannel 1: Probably not at this stage. When I start making contributions, I'll I'll probably do that.\n\nChannel 0: Perfect. So I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then. But for now, we'll just go baseline.\n\nChannel 1: Yeah. I would expect commissions will probably be as a minimum, maybe 50 for the year.\n\nChannel 0: Yeah. And for the commissions, you know, if they'll pay you super on those.\n\nChannel 1: I believe that have to\n\nChannel 0: Yeah. Alright. Would it be better to base it then for you on a 150 grands and go for that or go a bit more conservative with it?\n\nChannel 1: Probably do $1.25. That's the the bare minimum I would accept in a role anyway.\n\nChannel 0: Yep. Then two. Yep. Easy done. Sweet.\n\nSo I'll get that all rebalanced for you, and we'll sort out the rest fund as well. Leave the insurances as is. And just quickly in terms of, like, estate planning, anything you wanna do in terms of beneficiary nominations, wills, powers of attorney?\n\nChannel 1: Yeah. I do I do wanna update beneficiaries. If you can send me the paperwork to do so.\n\nChannel 0: Yep. Do you want me to prefill anything on there or just send you the forms and call back if you got any questions?\n\nChannel 1: What what's required in the prefill?\n\nChannel 0: So we normally put down who you wanna nominate, date of birth, possibly address, and then just the type of nomination if you want it to be legally binding and whether you want it to expire every three years or just be continuous.\n\nChannel 1: Yeah. It's pretty much all all just going to my partner, so it'd just be a case of putting her on the beneficiary.\n\nChannel 0: Yep. Alright. So partner, 100%. Non lapping binding. Your partner, de facto or married?\n\nChannel 1: I guess, Defacto.\n\nChannel 0: De facto. Okay. Do you want me to put in I do have your next of kin with us listed to Sarah Morris, the mother of the three children. Perfect. So keep her as emergency contact with us\n\nChannel 1: Yep.\n\nChannel 0: and three dependents are still for the family.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alright. Easy done. That's sorted. That's sorted.\n\nAssets and liabilities wise, just quickly, cars, bike, computer equipment, any cash savings built up so far, I can just note down for your fact find.\n\nChannel 1: I've got I've got, like, 10 in the bank, and I've doubled my cars and computers and stuff.\n\nChannel 0: Yeah. Right. Okay. I'll double those up to 16 for the computer and about 90 for the cars and bikes.\n\nChannel 1: Good.\n\nChannel 0: And that's pretty much it. Bit of a reminder for the will and power of attorney. Update the beneficiaries for the life insurance and the super, rebalance the portfolio, and we should be good to go. We did have a couple of goals noted down for some holidays to Europe. You'd obviously finished the study and everything.\n\nAre you still going back into software design at any point, or do you reckon sticking to the sales side?\n\nChannel 1: I'm just gonna stick to sales. I make more\n\nChannel 0: Yep.\n\nChannel 1: money. It's not\n\nChannel 0: I was\n\nChannel 1: not\n\nChannel 0: gonna\n\nChannel 1: my\n\nChannel 0: say.\n\nChannel 1: passion, but I can still do the other stuff on the side. It's fine.\n\nChannel 0: Yeah. One's the hobby. One gets the bills paid.\n\nChannel 1: Pretty much.\n\nChannel 0: Easy done. Alrighty. Outside of that, mate, we've got that review pack with you. No changes so far to fees and agreements with us until next year. One thing I will let you know, I was talking to Sev, we're looking to do a bit of a tiered fee structure for everybody next year.\n\nSo when they hit $200 or above, we'll start doing some discounts as well. For now, it's still just a standard 1.65. And the other documents in there are basically just reports your own records, service guide with licensing information. Nothing out of the ordinary there. Alrighty.\n\nMate, anything in particular, any questions so far before I let you go?\n\nChannel 1: No. That's pretty much it.\n\nChannel 0: Cool. I will pretty much send this off today to just drop those comparisons, do the switch around in the updated advice strategy. I'm\n\nChannel 1: Yep.\n\nChannel 0: off next week, but as soon as I get back, I'll get the team to book you in, run through the figures together, and make sure you're comfortable with And then just as normal, if you give us the thumbs up, we can pretty much jump on the account and make the trades for you.\n\nChannel 1: Yeah. No.\n\nChannel 0: Awesome, mate. Well, thank you for calling back and taking the time, and I shall talk to you in a couple of weeks'\n\nChannel 1: Not a problem.\n\nChannel 0: time. Thanks, David. Have a good one.\n\nChannel 1: Thanks. Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, David.","start":0.71999997,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.2727344234784444},{"text":"Tommy here, senior adviser.","start":1.8399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.19186542183160782},{"text":"How are you doing?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.19803069159388542}],"sentiment":"neutral","sentiment_score":0.21616252037611874,"channel":0,"num_words":11,"start":0.71999997,"end":4.02},{"sentences":[{"text":"I'm good.","start":4.16,"end":4.56,"sentiment":"positive","sentiment_score":0.41795438528060913},{"text":"How are you?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.30157705148061115}],"sentiment":"positive","sentiment_score":0.3481279850006104,"channel":1,"num_words":5,"start":4.16,"end":5.38},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":5.6,"end":7.2,"sentiment":"positive","sentiment_score":0.733496755361557},{"text":"Thank you for calling back in.","start":7.2,"end":8.58,"sentiment":"positive","sentiment_score":0.7054283519585928}],"sentiment":"positive","sentiment_score":0.7166557133197784,"channel":0,"num_words":10,"start":5.6,"end":8.58},{"sentences":[{"text":"Yeah.","start":8.88,"end":9.12,"sentiment":"neutral","sentiment_score":0.29194676876068115},{"text":"Not a problem.","start":9.12,"end":9.86,"sentiment":"positive","sentiment_score":0.348519504070282}],"sentiment":"positive","sentiment_score":0.3343763202428818,"channel":1,"num_words":4,"start":8.88,"end":9.86},{"sentences":[{"text":"Awesome.","start":10.32,"end":10.8,"sentiment":"positive","sentiment_score":0.5616172552108765},{"text":"Mate, I've got you here for an annual review.","start":10.8,"end":13.059999,"sentiment":"neutral","sentiment_score":0.2806142138110267},{"text":"I basically just wanted to go through and up some details with you just from changes in circumstance, and","start":14.115,"end":20.755,"sentiment":"neutral","sentiment_score":0.1859729305693978}],"sentiment":"neutral","sentiment_score":0.22829761587340255,"channel":0,"num_words":29,"start":10.32,"end":20.755},{"sentences":[{"text":"Yep.","start":20.505,"end":21.005,"sentiment":"neutral","sentiment_score":0.15389655530452728}],"sentiment":"neutral","sentiment_score":0.15389655530452728,"channel":1,"num_words":1,"start":20.505,"end":21.005},{"sentences":[{"text":"I've got a few reports to send through regarding the super and the insurances and so on.","start":20.755,"end":25.32,"sentiment":"neutral","sentiment_score":0.1293451115489006},{"text":"Will you be able to look on to the email with me today, or should I just run you through it?","start":25.56,"end":30.3,"sentiment":"neutral","sentiment_score":0.12042437422843207}],"sentiment":"neutral","sentiment_score":0.12441523039811536,"channel":0,"num_words":38,"start":20.755,"end":30.3},{"sentences":[{"text":"Yeah.","start":30.3,"end":30.619999,"sentiment":"neutral","sentiment_score":0.055571675300598145},{"text":"I'm in front of a computer now.","start":30.619999,"end":32.239998,"sentiment":"neutral","sentiment_score":0.061781512307269235}],"sentiment":"neutral","sentiment_score":0.06100528268143535,"channel":1,"num_words":8,"start":30.3,"end":32.239998},{"sentences":[{"text":"Cool.","start":33.16,"end":33.4,"sentiment":"neutral","sentiment_score":0.2442268431186676},{"text":"So I'll pop that through.","start":33.4,"end":34.36,"sentiment":"neutral","sentiment_score":0.2119514226913452},{"text":"It should come up with a signature request for Oakview Financial annual review.","start":34.36,"end":38.86,"sentiment":"neutral","sentiment_score":0.18707548884245065},{"text":"Just your live email address.","start":39.32,"end":40.755,"sentiment":"neutral","sentiment_score":0.141190804541111}],"sentiment":"neutral","sentiment_score":0.1850799722597003,"channel":0,"num_words":24,"start":33.16,"end":40.755},{"sentences":[{"text":"Yep.","start":43.795002,"end":44.295002,"sentiment":"neutral","sentiment_score":0.1818023771047592}],"sentiment":"neutral","sentiment_score":0.1818023771047592,"channel":1,"num_words":1,"start":43.795002,"end":44.295002},{"sentences":[{"text":"Beautiful.","start":45.555,"end":46.055,"sentiment":"positive","sentiment_score":0.4174379110336304},{"text":"Just while that's popping through, anything in particular that you would like to focus on for this review?","start":46.275,"end":51.015,"sentiment":"neutral","sentiment_score":0.08808271980120076}],"sentiment":"neutral","sentiment_score":0.105417203550276,"channel":0,"num_words":19,"start":45.555,"end":51.015},{"sentences":[{"text":"Not really.","start":52.755,"end":53.495003,"sentiment":"neutral","sentiment_score":-0.044363684952259064}],"sentiment":"neutral","sentiment_score":-0.044363684952259064,"channel":1,"num_words":2,"start":52.755,"end":53.495003},{"sentences":[{"text":"Cool.","start":54.435,"end":54.675003,"sentiment":"neutral","sentiment_score":0.025575127452611923},{"text":"Just a bit of a general update, that kind of thing.","start":54.675003,"end":56.969997,"sentiment":"neutral","sentiment_score":0.01774841191416437}],"sentiment":"neutral","sentiment_score":0.018400638209034998,"channel":0,"num_words":12,"start":54.435,"end":56.969997},{"sentences":[{"text":"Yep.","start":57.83,"end":57.99,"sentiment":"neutral","sentiment_score":0.0991826206445694},{"text":"Pretty much.","start":57.99,"end":58.81,"sentiment":"neutral","sentiment_score":0.2195548638701439}],"sentiment":"neutral","sentiment_score":0.1794307827949524,"channel":1,"num_words":3,"start":57.83,"end":58.81},{"sentences":[{"text":"Awesome.","start":59.19,"end":59.69,"sentiment":"neutral","sentiment_score":0.283719927072525},{"text":"Okay.","start":59.829998,"end":60.329998,"sentiment":"neutral","sentiment_score":0.11354295164346696},{"text":"And just so I can gauge your day, mate, how long have I got you for today?","start":61.35,"end":64.729996,"sentiment":"neutral","sentiment_score":0.057760750327040165}],"sentiment":"neutral","sentiment_score":0.07258924390924604,"channel":0,"num_words":19,"start":59.19,"end":64.729996},{"sentences":[{"text":"As long as you need to.","start":65.75,"end":67.29,"sentiment":"neutral","sentiment_score":0.012539469947417578}],"sentiment":"neutral","sentiment_score":0.012539469947417578,"channel":1,"num_words":6,"start":65.75,"end":67.29},{"sentences":[{"text":"Cool.","start":67.509995,"end":67.99,"sentiment":"neutral","sentiment_score":0.06815436482429504},{"text":"I don't normally take that long.","start":67.99,"end":69.27,"sentiment":"neutral","sentiment_score":-0.023359425365924835},{"text":"Usually, about fifteen, twenty.","start":69.27,"end":70.635,"sentiment":"neutral","sentiment_score":-0.00028180936351418495},{"text":"But if there's any other areas you wanna talk about today, I have set aside the time.","start":70.875,"end":75.055,"sentiment":"neutral","sentiment_score":0.03420408026260488}],"sentiment":"neutral","sentiment_score":0.01815499784424901,"channel":0,"num_words":28,"start":67.509995,"end":75.055},{"sentences":[{"text":"Yeah.","start":75.625,"end":75.865,"sentiment":"neutral","sentiment_score":0.047707412391901016},{"text":"Not a problem.","start":75.865,"end":76.685,"sentiment":"neutral","sentiment_score":0.09386596828699112}],"sentiment":"neutral","sentiment_score":0.0823263293132186,"channel":1,"num_words":4,"start":75.625,"end":76.685},{"sentences":[{"text":"Perfect.","start":78.155,"end":78.655,"sentiment":"neutral","sentiment_score":0.20800809562206268},{"text":"Also, while that is popping through, just in terms of updating a few details here, I can see a bit of a change in employer for the contributions coming in.","start":79.115005,"end":89.119995,"sentiment":"neutral","sentiment_score":0.019892768003046513},{"text":"The one that we've got currently is Liberty Oz, Pty Ltd, trading as container domes and shelter.","start":89.42,"end":95.52,"sentiment":"neutral","sentiment_score":0.004737775307148695}],"sentiment":"neutral","sentiment_score":0.018444444081978872,"channel":0,"num_words":48,"start":78.155,"end":95.52},{"sentences":[{"text":"Yeah.","start":96.409996,"end":96.81,"sentiment":"neutral","sentiment_score":-0.07358864694833755},{"text":"They went insolvent the start of June.","start":96.81,"end":101.15,"sentiment":"neutral","sentiment_score":-0.12606228675161088}],"sentiment":"neutral","sentiment_score":-0.11950308177620173,"channel":1,"num_words":8,"start":96.409996,"end":101.15},{"sentences":[{"text":"Oh, no.","start":102.634995,"end":103.375,"sentiment":"neutral","sentiment_score":-0.07893597707152367}],"sentiment":"neutral","sentiment_score":-0.07893597707152367,"channel":0,"num_words":2,"start":102.634995,"end":103.375},{"sentences":[{"text":"So FEG will actually I still have to claim money off 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through.","start":118.69,"end":125.145,"sentiment":"neutral","sentiment_score":-0.008106841464285497},{"text":"You did get one on the first of May was the most recent.","start":127.205,"end":131.465,"sentiment":"neutral","sentiment_score":0.053455257358459324}],"sentiment":"neutral","sentiment_score":0.010371430111782891,"channel":0,"num_words":49,"start":113.73,"end":131.465},{"sentences":[{"text":"That was 3,300","start":131.845,"end":133.47,"sentiment":"neutral","sentiment_score":0.02549755573272705}],"sentiment":"neutral","sentiment_score":0.02549755573272705,"channel":0,"num_words":3,"start":131.845,"end":133.47},{"sentences":[{"text":"Yeah.","start":134.58499,"end":134.825,"sentiment":"neutral","sentiment_score":0.030935881659388546},{"text":"That was for the first 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$3,900 or something.","start":141.06499,"end":143.405,"sentiment":"neutral","sentiment_score":-0.011843014624901116}],"sentiment":"neutral","sentiment_score":-0.011843014624901116,"channel":1,"num_words":4,"start":141.06499,"end":143.405},{"sentences":[{"text":"Yep.","start":144.19,"end":144.51,"sentiment":"neutral","sentiment_score":0.01376643031835556},{"text":"Okay.","start":144.51,"end":145.01,"sentiment":"neutral","sentiment_score":-0.005131974816322327},{"text":"And do you know if that's just still, like, expecting to be coming through or because of the insolvency that's all tied up at the moment?","start":145.39,"end":151.345,"sentiment":"neutral","sentiment_score":-0.06515397568448232}],"sentiment":"neutral","sentiment_score":-0.06019174686766097,"channel":0,"num_words":28,"start":144.19,"end":151.345},{"sentences":[{"text":"It's pretty much tied up at the moment.","start":152.26001,"end":153.7,"sentiment":"neutral","sentiment_score":-0.12595938984304667},{"text":"They have signed a Docker, which means Fed won't won't get involved until they, you know, send money through or something.","start":153.7,"end":164.545,"sentiment":"neutral","sentiment_score":-0.09698993180479322},{"text":"Yeah.","start":164.605,"end":165.105,"sentiment":"neutral","sentiment_score":-0.03691232204437256},{"text":"Maybe the next two months, I understand.","start":166.525,"end":168.385,"sentiment":"neutral","sentiment_score":-0.059506742017609734}],"sentiment":"neutral","sentiment_score":-0.09453846494088301,"channel":1,"num_words":37,"start":152.26001,"end":168.385},{"sentences":[{"text":"Okay.","start":168.7,"end":169.18,"sentiment":"neutral","sentiment_score":-0.1055832952260971},{"text":"Bit of a bummer.","start":169.18,"end":170.16,"sentiment":"neutral","sentiment_score":-0.2944222539663315},{"text":"Outside of that, so now that they've gone insolvent, what's the the plan for work for 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Limited.","start":201.34999,"end":203.93,"sentiment":"neutral","sentiment_score":0.03516383251796166}],"sentiment":"neutral","sentiment_score":0.03516383251796166,"channel":1,"num_words":6,"start":201.34999,"end":203.93},{"sentences":[{"text":"Homes and granny flats.","start":203.575,"end":205.515,"sentiment":"neutral","sentiment_score":0.02284316485747695},{"text":"B two I l t d.","start":205.575,"end":206.95499,"sentiment":"neutral","sentiment_score":0.022625702898949385},{"text":"Fantastic.","start":207.495,"end":207.995,"sentiment":"positive","sentiment_score":0.391720175743103},{"text":"Thank you for that.","start":208.135,"end":208.775,"sentiment":"positive","sentiment_score":0.48491644859313965},{"text":"I'm assuming that's full time 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particular?","start":374.075,"end":375.775,"sentiment":"neutral","sentiment_score":0.04997183009982109}],"sentiment":"neutral","sentiment_score":0.07396926366103192,"channel":0,"num_words":48,"start":362.18,"end":375.775},{"sentences":[{"text":"Not really, to be honest.","start":377.34,"end":378.8,"sentiment":"neutral","sentiment_score":-0.09827554821968079}],"sentiment":"neutral","sentiment_score":-0.09827554821968079,"channel":1,"num_words":5,"start":377.34,"end":378.8},{"sentences":[{"text":"Just build up the savings a little bit and track on.","start":380.95502,"end":389.15002,"sentiment":"neutral","sentiment_score":0.11148847910490903},{"text":"Cool.","start":389.15002,"end":389.65002,"sentiment":"positive","sentiment_score":0.5111715793609619},{"text":"Alright.","start":391.07,"end":391.57,"sentiment":"neutral","sentiment_score":0.30227816104888916},{"text":"So for those two, we do have this is interesting.","start":391.63,"end":398.255,"sentiment":"neutral","sentiment_score":0.13072992712259293},{"text":"Income protection policy attached to the NEOS, $3.05 $8.06 a month.","start":398.635,"end":403.935,"sentiment":"neutral","sentiment_score":0.0746028342030265}],"sentiment":"neutral","sentiment_score":0.1225809840595021,"channel":0,"num_words":34,"start":380.95502,"end":403.935},{"sentences":[{"text":"We've got I'll let you know what that kind of covers compared to what you've got.","start":405.435,"end":409.675,"sentiment":"neutral","sentiment_score":0.09920340171083808},{"text":"$3.05 $8.06 divided by 70%.","start":409.675,"end":414.12,"sentiment":"neutral","sentiment_score":0.053109347075223926},{"text":"So you're currently protected for about 61,000.","start":414.65997,"end":418.03998,"sentiment":"neutral","sentiment_score":0.10380412957498006}],"sentiment":"neutral","sentiment_score":0.09212250249194247,"channel":0,"num_words":28,"start":405.435,"end":418.03998},{"sentences":[{"text":"Yep.","start":419.075,"end":419.575,"sentiment":"neutral","sentiment_score":0.18501035869121552}],"sentiment":"neutral","sentiment_score":0.18501035869121552,"channel":1,"num_words":1,"start":419.075,"end":419.575},{"sentences":[{"text":"Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap.","start":420.58,"end":423.8,"sentiment":"positive","sentiment_score":0.39122165863712627},{"text":"All the rebates off, it's well under a grand.","start":424.18,"end":426.42502,"sentiment":"neutral","sentiment_score":0.31386014653576744},{"text":"So I think after the rebate, $840 a year for all three.","start":426.64502,"end":430.265,"sentiment":"neutral","sentiment_score":0.13986055118342242},{"text":"So I I don't personally have any reasons to do any alterations on those unless there's anything sort of burning that you can see.","start":433.685,"end":441.28,"sentiment":"neutral","sentiment_score":-0.19215728311489025}],"sentiment":"neutral","sentiment_score":0.08045531652475658,"channel":0,"num_words":57,"start":420.58,"end":441.28},{"sentences":[{"text":"No.","start":441.965,"end":442.205,"sentiment":"neutral","sentiment_score":-0.30043336749076843},{"text":"I I really can't unless I have a car accident or something.","start":442.205,"end":445.005,"sentiment":"negative","sentiment_score":-0.3704293593764305},{"text":"I can do my job from home in a wheelchair, and it'll be very hard to claim the income protection.","start":445.005,"end":449.985,"sentiment":"neutral","sentiment_score":-0.26783814653754234}],"sentiment":"neutral","sentiment_score":-0.3061317760835994,"channel":1,"num_words":33,"start":441.965,"end":449.985},{"sentences":[{"text":"Yep.","start":450.7,"end":451.2,"sentiment":"neutral","sentiment_score":0.12400567531585692},{"text":"Easy done.","start":451.34,"end":452.205,"sentiment":"neutral","sentiment_score":0.2535722553730011},{"text":"Alrighty.","start":453.32498,"end":453.82498,"sentiment":"neutral","sentiment_score":0.16680198907852173},{"text":"When it comes to so that certificate of currency is there.","start":454.125,"end":457.00497,"sentiment":"neutral","sentiment_score":0.018122929910367184},{"text":"If anything major does happen, obviously, we're not people to call, but we do help through claims process.","start":457.00497,"end":462.38498,"sentiment":"neutral","sentiment_score":0.00011269753384921286}],"sentiment":"neutral","sentiment_score":0.030282816962536537,"channel":0,"num_words":33,"start":450.7,"end":462.38498},{"sentences":[{"text":"So paperwork, liaising with the funds, making sure you get a bit of advice along the side.","start":462.685,"end":468.32,"sentiment":"neutral","sentiment_score":0.0894308708169881},{"text":"If anything you need, just give us a buzz on that one.","start":468.38,"end":471.19998,"sentiment":"neutral","sentiment_score":0.049014248264332615}],"sentiment":"neutral","sentiment_score":0.07270675114002721,"channel":0,"num_words":29,"start":462.685,"end":471.19998},{"sentences":[{"text":"Yes.","start":471.405,"end":471.72498,"sentiment":"neutral","sentiment_score":0.11301957070827484},{"text":"No problem.","start":471.72498,"end":472.38498,"sentiment":"neutral","sentiment_score":0.2729017958045006}],"sentiment":"neutral","sentiment_score":0.21960772077242532,"channel":1,"num_words":3,"start":471.405,"end":472.38498},{"sentences":[{"text":"Beautiful.","start":472.94,"end":473.34,"sentiment":"positive","sentiment_score":0.5728689432144165},{"text":"Beautiful.","start":473.34,"end":473.82,"sentiment":"positive","sentiment_score":0.5512771010398865},{"text":"When it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth.","start":473.82,"end":479.215,"sentiment":"neutral","sentiment_score":0.14189769617385334},{"text":"That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while.","start":479.83502,"end":485.05502,"sentiment":"neutral","sentiment_score":0.2279679375615987},{"text":"You basically went from a 106,000 to a 129,000.","start":485.355,"end":490.17502,"sentiment":"neutral","sentiment_score":0.09065568467809094}],"sentiment":"neutral","sentiment_score":0.18646079144787556,"channel":0,"num_words":51,"start":472.94,"end":490.17502},{"sentences":[{"text":"There was a bit of a dip in March when the Iran war kicked off where it dropped from $1.24 to $1.16 and then back up to $1.29.","start":490.39502,"end":499.51,"sentiment":"neutral","sentiment_score":-0.30663247912057806},{"text":"Now if you've got that email open, I really want to show you two things in particular.","start":500.53,"end":506.15,"sentiment":"neutral","sentiment_score":0.14747457600691738},{"text":"That third doc, you've probably already seen it, is a big blue table performance with IRR, and it's your hub 24 performance table.","start":506.53,"end":514.695,"sentiment":"neutral","sentiment_score":0.26060488949651306},{"text":"So you're in a growth portfolio.","start":517.315,"end":519.015,"sentiment":"neutral","sentiment_score":0.1770987610022227},{"text":"So four out of five on the risk scale, 80% growth assets, like shares, property, and gold.","start":519.235,"end":524.21,"sentiment":"neutral","sentiment_score":0.1161613709786359}],"sentiment":"neutral","sentiment_score":0.03244622755836654,"channel":0,"num_words":91,"start":490.39502,"end":524.21},{"sentences":[{"text":"High risk would be 90 to a 100%.","start":524.59,"end":526.59,"sentiment":"neutral","sentiment_score":0.01198903238400817},{"text":"So you're like a peg below that if that rings a bell.","start":526.59,"end":529.17,"sentiment":"neutral","sentiment_score":0.11870139930397272},{"text":"Now when I look at the returns there, so you're aiming for an average of about eight to 10%.","start":530.43,"end":535.73505,"sentiment":"neutral","sentiment_score":0.145912935075007},{"text":"Good years, it's up fifteen, twenty.","start":536.11505,"end":538.05505,"sentiment":"positive","sentiment_score":0.3341840257247289},{"text":"Bad years could be down ten, fifteen, that kind of thing.","start":538.275,"end":540.91504,"sentiment":"negative","sentiment_score":-0.48399244113401935}],"sentiment":"neutral","sentiment_score":0.017390394982482706,"channel":0,"num_words":56,"start":524.59,"end":540.91504},{"sentences":[{"text":"Average out of about nine to 10, you should be sweet.","start":540.91504,"end":543.41504,"sentiment":"neutral","sentiment_score":0.12861886993050575},{"text":"If you look on the left hand side, you can see all the funds listed, and the very right hand side is the percentage returns.","start":543.875,"end":550.215,"sentiment":"neutral","sentiment_score":0.061313764676451686},{"text":"Are the figures able to be made out there?","start":550.62,"end":552.22003,"sentiment":"neutral","sentiment_score":0.023305865418579843},{"text":"Are they clear enough?","start":552.22003,"end":553.28,"sentiment":"neutral","sentiment_score":0.02082583447918296}],"sentiment":"neutral","sentiment_score":0.0661368941394042,"channel":0,"num_words":49,"start":540.91504,"end":553.28},{"sentences":[{"text":"Yeah.","start":552.995,"end":553.495,"sentiment":"neutral","sentiment_score":0.23547029495239255}],"sentiment":"neutral","sentiment_score":0.23547029495239255,"channel":1,"num_words":1,"start":552.995,"end":553.495},{"sentences":[{"text":"Cool.","start":554.46,"end":554.96,"sentiment":"positive","sentiment_score":0.4467756450176239},{"text":"So bottom to top makes a bit more sense.","start":555.42,"end":558.0,"sentiment":"positive","sentiment_score":0.3562981386979421},{"text":"It's all pretty well double digits across the board until you hit the yield plus, which is 3.67%.","start":558.06,"end":564.56,"sentiment":"positive","sentiment_score":0.35435668544636834},{"text":"That's like a safe assets, kinda like a bank savings, term deposits, and so on.","start":564.62,"end":569.195,"sentiment":"neutral","sentiment_score":0.32902304927508036},{"text":"So no big deal there.","start":569.195,"end":570.735,"sentiment":"neutral","sentiment_score":0.12716313898563386}],"sentiment":"neutral","sentiment_score":0.32506334719558555,"channel":0,"num_words":48,"start":554.46,"end":570.735},{"sentences":[{"text":"India is down 10%, and Bennelong at the top is at 19.83.","start":571.755,"end":578.49,"sentiment":"neutral","sentiment_score":0.08351099584251642},{"text":"So every other fund is doing very, very well.","start":578.49,"end":580.99,"sentiment":"neutral","sentiment_score":0.20661371449629465},{"text":"Those two are the ones that are negative for this year at the moment.","start":581.05,"end":583.79004,"sentiment":"negative","sentiment_score":-0.5803038903645107},{"text":"Now what I can kinda see there is that India in general for us is a bit of a long term economic play as manufacturing goes from China to India.","start":584.49,"end":592.43,"sentiment":"neutral","sentiment_score":0.026625153174002967},{"text":"As their economy grows, their shares will tend to increase sometime over the next five and ten years.","start":592.65,"end":598.245,"sentiment":"neutral","sentiment_score":0.16628422981335056}],"sentiment":"neutral","sentiment_score":-0.017719618706818086,"channel":0,"num_words":83,"start":571.755,"end":598.245},{"sentences":[{"text":"But the one that's a bit of a concern is that Benelon option, which has dropped faster than the Aussie market and has bounced back not as much as the rest of the market has in that space.","start":598.305,"end":609.11,"sentiment":"negative","sentiment_score":-0.5740564767467348},{"text":"So what I'm basically asking here is I would like to look at a replacement option for that one.","start":610.53,"end":615.83,"sentiment":"neutral","sentiment_score":-0.04878407128547367},{"text":"If you're still comfortable with that growth risk profile level, I can just do a straight switch out unless you're wanting me to increase or decrease your risk level.","start":616.37,"end":624.515,"sentiment":"neutral","sentiment_score":-0.057429500694932606}],"sentiment":"neutral","sentiment_score":-0.28379649989480193,"channel":0,"num_words":86,"start":598.305,"end":624.515},{"sentences":[{"text":"Well, I'll sort of leave that up to you guys.","start":626.19995,"end":628.12,"sentiment":"neutral","sentiment_score":-0.035967937856912616},{"text":"Last time I I had this conversation with Chevy about Vanguard because it was like three years of Vanguard just tanking.","start":628.12,"end":635.885,"sentiment":"neutral","sentiment_score":-0.13416067972069695},{"text":"And then it shot up something like 24% the next year.","start":637.465,"end":640.745,"sentiment":"neutral","sentiment_score":-0.17654141106388785},{"text":"So","start":640.745,"end":641.245,"sentiment":"neutral","sentiment_score":-0.046330418437719345}],"sentiment":"neutral","sentiment_score":-0.1201241765777732,"channel":1,"num_words":43,"start":626.19995,"end":641.245},{"sentences":[{"text":"Yeah.","start":641.81,"end":642.31,"sentiment":"neutral","sentiment_score":-0.07189677655696869}],"sentiment":"neutral","sentiment_score":-0.07189677655696869,"channel":0,"num_words":1,"start":641.81,"end":642.31},{"sentences":[{"text":"if and again, like I said, that's why I keep my mouth shut now because Stevie will tell me, no.","start":642.505,"end":647.44995,"sentiment":"neutral","sentiment_score":-0.2485096238553524},{"text":"No.","start":647.44995,"end":647.52997,"sentiment":"negative","sentiment_score":-0.4228513836860657},{"text":"It's it's gonna go up and then it does.","start":647.52997,"end":649.61,"sentiment":"neutral","sentiment_score":-0.23520037200715807},{"text":"So I guess what's the what's the advice with Dan?","start":649.61,"end":652.49,"sentiment":"neutral","sentiment_score":-0.03098499123007059},{"text":"Do you think it's gonna go up or not?","start":652.49,"end":654.43,"sentiment":"neutral","sentiment_score":-0.04902766065465079}],"sentiment":"neutral","sentiment_score":-0.16859073606224692,"channel":1,"num_words":49,"start":642.505,"end":654.43},{"sentences":[{"text":"No.","start":654.86505,"end":655.36505,"sentiment":"neutral","sentiment_score":-0.29494649171829224}],"sentiment":"neutral","sentiment_score":-0.29494649171829224,"channel":0,"num_words":1,"start":654.86505,"end":655.36505},{"sentences":[{"text":"We don't.","start":656.00995,"end":656.67,"sentiment":"neutral","sentiment_score":-0.2499016672372818}],"sentiment":"neutral","sentiment_score":-0.2499016672372818,"channel":1,"num_words":2,"start":656.00995,"end":656.67},{"sentences":[{"text":"No.","start":656.945,"end":657.265,"sentiment":"neutral","sentiment_score":-0.3230041265487671},{"text":"So what happened with them a little bit differently than a normal fund, sometimes when you've got five top guys, they tend to jostle for position where one's third one year and first next year, and you kind of wait a year or two for them to bounce back.","start":657.265,"end":670.8,"sentiment":"neutral","sentiment_score":-0.2550553497003049},{"text":"For these guys in particular, what happened was they invested in a company that had some linking into The UK corporate traveler.","start":670.94,"end":678.995,"sentiment":"neutral","sentiment_score":-0.14733680439266292},{"text":"And then something came out of the news about corporate traveler, and they had to write down that asset.","start":679.455,"end":683.795,"sentiment":"neutral","sentiment_score":-0.2054039302625154},{"text":"And that write down just completely tanked a lot of the funds.","start":684.095,"end":686.835,"sentiment":"negative","sentiment_score":-0.5190974647800127}],"sentiment":"neutral","sentiment_score":-0.25431039039660425,"channel":0,"num_words":103,"start":656.945,"end":686.835},{"sentences":[{"text":"Since that point, a lot of their key members of the fund have actually left, and it's gotten to a point where we don't think there's any chance for it bouncing back in any significant way.","start":687.375,"end":698.03,"sentiment":"negative","sentiment_score":-0.5253336462709639},{"text":"So for this one, the real question is the style of replacement.","start":699.61005,"end":704.275,"sentiment":"neutral","sentiment_score":-0.11123959285517533},{"text":"Because Hub has the most investment options in the country, I've gotta whittle it down just a tiny bit.","start":704.275,"end":710.055,"sentiment":"neutral","sentiment_score":-0.1817262106035885},{"text":"I can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market?","start":710.115,"end":717.91003,"sentiment":"neutral","sentiment_score":0.12848650167385736},{"text":"Where does your gut feeling lean between the two?","start":718.13,"end":720.71,"sentiment":"neutral","sentiment_score":-0.11324989216195212}],"sentiment":"neutral","sentiment_score":-0.2063087171431884,"channel":0,"num_words":103,"start":687.375,"end":720.71},{"sentences":[{"text":"I mean, I would probably say spreading the assets across the Australian ones that we've already got.","start":723.535,"end":732.88,"sentiment":"neutral","sentiment_score":0.11202206046265714}],"sentiment":"neutral","sentiment_score":0.11202206046265714,"channel":1,"num_words":17,"start":723.535,"end":732.88},{"sentences":[{"text":"Which let's have a look at the ones that you've got.","start":737.58496,"end":739.58496,"sentiment":"neutral","sentiment_score":0.12364288758147847},{"text":"We've got the one in the middle.","start":739.58496,"end":742.545,"sentiment":"neutral","sentiment_score":0.09485865810087749},{"text":"Can you see that there?","start":742.545,"end":743.665,"sentiment":"neutral","sentiment_score":0.0641948439180851},{"text":"Q o zed, beta Shares Australia Raffy in the middle there?","start":743.665,"end":748.99,"sentiment":"neutral","sentiment_score":0.04999255151911215},{"text":"It's above your gold allocation.","start":748.99,"end":750.37,"sentiment":"neutral","sentiment_score":0.090179942548275}],"sentiment":"neutral","sentiment_score":0.08579165049088307,"channel":0,"num_words":39,"start":737.58496,"end":750.37},{"sentences":[{"text":"Above my girl.","start":752.505,"end":753.385,"sentiment":"neutral","sentiment_score":0.07505639394124348},{"text":"Beta shares.","start":753.385,"end":754.28503,"sentiment":"neutral","sentiment_score":0.06712498143315315},{"text":"Raffy Odds EST units.","start":754.745,"end":756.365,"sentiment":"neutral","sentiment_score":0.0899312999099493},{"text":"Yep.","start":756.585,"end":757.085,"sentiment":"neutral","sentiment_score":0.14554309844970703}],"sentiment":"neutral","sentiment_score":0.0864687442779541,"channel":1,"num_words":10,"start":752.505,"end":757.085},{"sentences":[{"text":"Yeah.","start":757.07,"end":757.39,"sentiment":"neutral","sentiment_score":0.22793610394001007},{"text":"So Better Shares has that one and another standard a 200 model.","start":757.39,"end":761.505,"sentiment":"positive","sentiment_score":0.34509462614854175},{"text":"Those are pretty standard low fee, good performing.","start":762.125,"end":764.54504,"sentiment":"positive","sentiment_score":0.5370133258402348},{"text":"So I would pretty much be looking to switch them into some BetaShares options.","start":764.765,"end":769.42505,"sentiment":"neutral","sentiment_score":0.2461923754640988}],"sentiment":"positive","sentiment_score":0.34605347088405064,"channel":0,"num_words":35,"start":757.07,"end":769.42505},{"sentences":[{"text":"Yep.","start":770.07,"end":770.47,"sentiment":"neutral","sentiment_score":0.25774848461151123},{"text":"That sounds fine with me.","start":770.47,"end":771.91,"sentiment":"positive","sentiment_score":0.38755008578300476},{"text":"Probably, and cyber because he's at BetaShares, global cyber, ETF as well.","start":771.91,"end":777.98505,"sentiment":"neutral","sentiment_score":0.1273036083827416}],"sentiment":"neutral","sentiment_score":0.20684123411774635,"channel":1,"num_words":18,"start":770.07,"end":777.98505},{"sentences":[{"text":"Yeah.","start":778.25,"end":778.56995,"sentiment":"neutral","sentiment_score":0.15214990079402924},{"text":"So what I'll basically do is from the sale of the fund is we'll do a bit of a rebalance.","start":778.56995,"end":783.55,"sentiment":"neutral","sentiment_score":0.11869775168597699},{"text":"So we'll divest that for that one, put it into the other options, and then rebalance it so it spreads across the portfolio.","start":783.93,"end":790.19495,"sentiment":"neutral","sentiment_score":0.11593731249804082}],"sentiment":"neutral","sentiment_score":0.11801507095382972,"channel":0,"num_words":44,"start":778.25,"end":790.19495},{"sentences":[{"text":"Yep.","start":790.9,"end":791.4,"sentiment":"neutral","sentiment_score":0.3016209006309509}],"sentiment":"neutral","sentiment_score":0.3016209006309509,"channel":1,"num_words":1,"start":790.9,"end":791.4},{"sentences":[{"text":"Sound good?","start":792.01495,"end":792.83496,"sentiment":"positive","sentiment_score":0.49909088015556335}],"sentiment":"positive","sentiment_score":0.49909088015556335,"channel":0,"num_words":2,"start":792.01495,"end":792.83496},{"sentences":[{"text":"Sounds good.","start":792.98,"end":793.8,"sentiment":"positive","sentiment_score":0.7138475179672241}],"sentiment":"positive","sentiment_score":0.7138475179672241,"channel":1,"num_words":2,"start":792.98,"end":793.8},{"sentences":[{"text":"Cool.","start":793.935,"end":794.435,"sentiment":"positive","sentiment_score":0.6782616376876831},{"text":"Do you want me I'll put together an updated plan just to show you the figures and what we're doing.","start":794.815,"end":799.555,"sentiment":"positive","sentiment_score":0.35488021820783616},{"text":"I'll update the projections in there as well.","start":799.77496,"end":801.69,"sentiment":"neutral","sentiment_score":0.26395083963871},{"text":"Do you want me to factor in anything in terms of, like, salary sacrifice or anything like that or just your employer contributions?","start":801.77,"end":807.87,"sentiment":"neutral","sentiment_score":-0.014933970959290215}],"sentiment":"neutral","sentiment_score":0.18353829590173867,"channel":0,"num_words":52,"start":793.935,"end":807.87},{"sentences":[{"text":"Probably not at this stage.","start":809.16504,"end":810.545,"sentiment":"negative","sentiment_score":-0.3470166504383087},{"text":"When I start making contributions, I'll I'll probably do that.","start":811.085,"end":815.745,"sentiment":"neutral","sentiment_score":-0.0380739439278841}],"sentiment":"neutral","sentiment_score":-0.14105484609802563,"channel":1,"num_words":15,"start":809.16504,"end":815.745},{"sentences":[{"text":"Perfect.","start":817.685,"end":817.845,"sentiment":"neutral","sentiment_score":-0.057576294988393784},{"text":"So I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then.","start":817.845,"end":837.22,"sentiment":"neutral","sentiment_score":0.07726350602140461},{"text":"But for now, we'll just go baseline.","start":837.22,"end":838.76,"sentiment":"neutral","sentiment_score":0.04715843019740922}],"sentiment":"neutral","sentiment_score":0.07277551469961543,"channel":0,"num_words":77,"start":817.685,"end":838.76},{"sentences":[{"text":"Yeah.","start":839.405,"end":839.805,"sentiment":"neutral","sentiment_score":0.05593501403927803},{"text":"I would expect commissions will probably be as a minimum, maybe 50 for the year.","start":839.805,"end":845.985,"sentiment":"neutral","sentiment_score":0.004381481806437174}],"sentiment":"neutral","sentiment_score":0.007603577570989728,"channel":1,"num_words":16,"start":839.405,"end":845.985},{"sentences":[{"text":"Yeah.","start":846.76495,"end":847.26495,"sentiment":"neutral","sentiment_score":0.02060985192656517},{"text":"And for the commissions, you know, if they'll pay you super on those.","start":848.52496,"end":851.985,"sentiment":"neutral","sentiment_score":-0.013836369348260073}],"sentiment":"neutral","sentiment_score":-0.011375924971486841,"channel":0,"num_words":14,"start":846.76495,"end":851.985},{"sentences":[{"text":"I believe that have 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as well.","start":877.185,"end":882.165,"sentiment":"positive","sentiment_score":0.38672535296748667},{"text":"Leave the insurances as is.","start":882.70496,"end":884.485,"sentiment":"neutral","sentiment_score":0.11098750829696655},{"text":"And just quickly in terms of, like, estate planning, anything you wanna do in terms of beneficiary nominations, wills, powers of attorney?","start":884.785,"end":891.89,"sentiment":"neutral","sentiment_score":0.1148862906477668}],"sentiment":"neutral","sentiment_score":0.21947197582234035,"channel":0,"num_words":44,"start":877.185,"end":891.89},{"sentences":[{"text":"Yeah.","start":892.015,"end":892.255,"sentiment":"neutral","sentiment_score":0.12003029137849808},{"text":"I do I do wanna update beneficiaries.","start":892.255,"end":894.355,"sentiment":"neutral","sentiment_score":0.1589738428592682},{"text":"If you can send me the paperwork to do 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but I can still do the other stuff on the side.","start":1026.09,"end":1029.77,"sentiment":"neutral","sentiment_score":0.13589867173383632},{"text":"It's fine.","start":1029.77,"end":1030.59,"sentiment":"neutral","sentiment_score":0.1802605539560318}],"sentiment":"neutral","sentiment_score":0.14223608347986424,"channel":1,"num_words":14,"start":1026.09,"end":1030.59},{"sentences":[{"text":"Yeah.","start":1030.4199,"end":1030.9,"sentiment":"neutral","sentiment_score":0.13652634620666504},{"text":"One's the hobby.","start":1030.9,"end":1031.78,"sentiment":"neutral","sentiment_score":0.15907347202301025},{"text":"One gets the bills paid.","start":1031.78,"end":1033.16,"sentiment":"neutral","sentiment_score":0.20348674952983856}],"sentiment":"neutral","sentiment_score":0.18124227888054317,"channel":0,"num_words":9,"start":1030.4199,"end":1033.16},{"sentences":[{"text":"Pretty 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there.","start":1069.45,"end":1070.505,"sentiment":"neutral","sentiment_score":-0.03468090730408827},{"text":"Alrighty.","start":1074.265,"end":1074.765,"sentiment":"neutral","sentiment_score":0.02494329959154129}],"sentiment":"neutral","sentiment_score":0.07124160166750564,"channel":0,"num_words":47,"start":1051.2749,"end":1074.765},{"sentences":[{"text":"Mate, anything in particular, any questions so far before I let you go?","start":1075.0651,"end":1078.685,"sentiment":"neutral","sentiment_score":0.04373334821027059}],"sentiment":"neutral","sentiment_score":0.04373334821027059,"channel":0,"num_words":13,"start":1075.0651,"end":1078.685},{"sentences":[{"text":"No.","start":1079.54,"end":1079.86,"sentiment":"neutral","sentiment_score":-0.2506488561630249},{"text":"That's pretty much 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you.","start":1089.57,"end":1102.8049,"sentiment":"neutral","sentiment_score":0.31932428099892357}],"sentiment":"neutral","sentiment_score":0.31932428099892357,"channel":0,"num_words":55,"start":1089.57,"end":1102.8049},{"sentences":[{"text":"Yeah.","start":1103.095,"end":1103.335,"sentiment":"neutral","sentiment_score":0.10242192447185516},{"text":"No.","start":1103.335,"end":1103.835,"sentiment":"neutral","sentiment_score":0.025997228920459747}],"sentiment":"neutral","sentiment_score":0.06420957669615746,"channel":1,"num_words":2,"start":1103.095,"end":1103.835},{"sentences":[{"text":"Awesome, mate.","start":1104.625,"end":1105.105,"sentiment":"positive","sentiment_score":0.6235333979129791},{"text":"Well, thank you for calling back and taking the time, and I shall talk to you in a couple of weeks'","start":1105.105,"end":1109.709,"sentiment":"positive","sentiment_score":0.5622642167976925}],"sentiment":"positive","sentiment_score":0.5675919716772826,"channel":0,"num_words":23,"start":1104.625,"end":1109.709},{"sentences":[{"text":"Not a problem.","start":1110.4801,"end":1111.2201,"sentiment":"neutral","sentiment_score":0.2475666602452596}],"sentiment":"neutral","sentiment_score":0.2475666602452596,"channel":1,"num_words":3,"start":1110.4801,"end":1111.2201},{"sentences":[{"text":"time.","start":1111.709,"end":1111.789,"sentiment":"neutral","sentiment_score":0.2550428509712219},{"text":"Thanks, David.","start":1111.789,"end":1112.509,"sentiment":"positive","sentiment_score":0.7122025489807129},{"text":"Have a good one.","start":1112.509,"end":1113.329,"sentiment":"positive","sentiment_score":0.7175635397434235}],"sentiment":"positive","sentiment_score":0.6499574439866203,"channel":0,"num_words":7,"start":1111.709,"end":1113.329},{"sentences":[{"text":"Thanks.","start":1113.36,"end":1113.76,"sentiment":"positive","sentiment_score":0.7008671760559082},{"text":"Bye.","start":1113.76,"end":1113.92,"sentiment":"positive","sentiment_score":0.4471493661403656},{"text":"Bye.","start":1113.92,"end":1114.42,"sentiment":"neutral","sentiment_score":0.3174014687538147}],"sentiment":"positive","sentiment_score":0.48847267031669617,"channel":1,"num_words":3,"start":1113.36,"end":1114.42},{"sentences":[{"text":"Bye.","start":1114.669,"end":1115.169,"sentiment":"neutral","sentiment_score":-0.1106814667582512}],"sentiment":"neutral","sentiment_score":-0.1106814667582512,"channel":0,"num_words":1,"start":1114.669,"end":1115.169}]},"summary":{"result":"success","short":"David from Yep. Realtor discusses their annual review and retirement plans with a senior adviser. The speaker provides information on income protection policies and the hub portfolio, as well as retirement plans and insurance coverage. They also discuss the use of income protection policies and the performance of the hub portfolio. The speaker provides information on retirement plans and the performance of the hub portfolio, as well as investment options and potential replacement options for the current portfolio. They suggest exploring investment options and potential replacement options for the current portfolio, as well as a plan to switch from a fixed allocation to a swap for a portfolio. They also discuss the benefits of a third-party insurance company and the risks and returns of a replacement option. They provide information on fees and agreements, and mention a review pack and a tiered fee structure. They thank the caller and say they will speak again in a couple of weeks."},"intents":{"segments":[{"text":"Mate, I've got you here for an annual review. I basically just wanted to go through and up some details with you just from changes in circumstance, and Yep. I've got a few reports to send through regarding the super and the insurances and so on. Will you be able to look on to the email with me today, or should I just run you through it? Yeah.","start_word":31,"end_word":98,"intents":[{"intent":"Review annual review","confidence_score":0.10868856}]},{"text":"And with the rest account, that was kind of being kept open for, like, some hardship claims and things like that.","start_word":705,"end_word":725,"intents":[{"intent":"Address hardship claims","confidence_score":0.013328619}]},{"text":"So I wanted to just run that by you today and say, are we still keeping the rest account open at this point, or are we looking to consolidate that?","start_word":726,"end_word":755,"intents":[{"intent":"Consolidate super funds","confidence_score":0.45887077}]},{"text":"And with the recent changes to all the super funds in the last three to six months have been updating their, like, hardship provisions. So all their forms are a bit more uniform, and they tend to have pretty similar requirements these days compared to last year and a few years ago.","start_word":815,"end_word":866,"intents":[{"intent":"Update hardship provisions","confidence_score":0.03572491}]},{"text":"With the Neos insurances, so because you've got the occupation now, were you wanting any quotes for, like, income protection or anything like that?","start_word":932,"end_word":955,"intents":[{"intent":"Seek quotes","confidence_score":0.0032294376}]},{"text":"You'd be able to do it, you know, working from home or over the phone and In a wheelchair, but in but a wheelchair. I'm not there.","start_word":978,"end_word":1004,"intents":[{"intent":"Work from home","confidence_score":0.08317161},{"intent":"Work from home","confidence_score":0.07542892}]},{"text":"And in terms of, like, cash flow and everything like that, what's the priority now with this new job in terms of savings?","start_word":1007,"end_word":1029,"intents":[{"intent":"Discuss savings","confidence_score":0.021507526},{"intent":"Discuss savings policy","confidence_score":0.00095822645}]},{"text":"So for those two, we do have this is interesting. Income protection policy attached to the NEOS, $3.05 $8.06 a month. We've got I'll let you know what that kind of covers compared to what you've got. $3.05 $8.","start_word":1071,"end_word":1109,"intents":[{"intent":"Clarify coverage","confidence_score":0.0021394114}]},{"text":"Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap.","start_word":1121,"end_word":1132,"intents":[{"intent":"Discuss benefits","confidence_score":0.36668116}]},{"text":"When it comes to so that certificate of currency is there. If anything major does happen, obviously, we're not people to call, but we do help through claims process. So paperwork, liaising with the funds, making sure you get a bit of advice along the side. If anything you need, just give us a buzz on that one. Yes.","start_word":1215,"end_word":1273,"intents":[{"intent":"Review certificates","confidence_score":0.00010639665},{"intent":"Clarify documents","confidence_score":0.0006334246}]},{"text":"When it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth. That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while. You basically went from a 106,000 to a 129,000.","start_word":1278,"end_word":1326,"intents":[{"intent":"Lower fees","confidence_score":0.002405058}]},{"text":"There was a bit of a dip in March when the Iran war kicked off where it dropped from $1.24 to $1.16 and then back up to $1.29.","start_word":1328,"end_word":1355,"intents":[{"intent":"Analyze market trends","confidence_score":0.021565532}]},{"text":"So what I'm basically asking here is I would like to look at a replacement option for that one.","start_word":1693,"end_word":1711,"intents":[{"intent":"Analyze replacement options","confidence_score":0.052645575}]},{"text":"I can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market? Where does your gut feeling lean between the two?","start_word":2008,"end_word":2043,"intents":[{"intent":"Check fund performance","confidence_score":0.000078534256}]},{"text":"So I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then.","start_word":2280,"end_word":2348,"intents":[{"intent":"Update and base income on base income","confidence_score":0.002661003}]},{"text":"I would expect commissions will probably be as a minimum, maybe 50 for the year. Yeah.","start_word":2356,"end_word":2371,"intents":[{"intent":"Update commissions and provide policy on retirement","confidence_score":1.8670383e-8}]},{"text":"So we normally put down who you wanna nominate, date of birth, possibly address, and then just the type of nomination if you want it to be legally binding and whether you want it to expire every three years or just be continuous. Yeah.","start_word":2532,"end_word":2575,"intents":[{"intent":"Confirm beneficiary nominations and contact information","confidence_score":6.507369e-8}]},{"text":"Do you want me to put in I do have your next of kin with us listed to Sarah Morris, the mother of the three children. Perfect.","start_word":2619,"end_word":2645,"intents":[{"intent":"Create and manage finances","confidence_score":0.000027178432}]}]},"sentiments":{"segments":[{"text":"Good afternoon, David. Tommy here, senior adviser. How are you doing?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.22116774320602417},{"text":"I'm good.","start_word":11,"end_word":12,"sentiment":"positive","sentiment_score":0.418086290359497},{"text":"How are you?","start_word":13,"end_word":15,"sentiment":"neutral","sentiment_score":0.3116774559020996},{"text":"I'm doing absolutely fantastic. Thank you for calling back in.","start_word":16,"end_word":25,"sentiment":"positive","sentiment_score":0.7110605835914612},{"text":"Yeah.","start_word":26,"end_word":26,"sentiment":"neutral","sentiment_score":0.29194676876068115},{"text":"Not a problem. Awesome.","start_word":27,"end_word":30,"sentiment":"positive","sentiment_score":0.4058433473110199},{"text":"Mate, I've got you here for an annual review. I basically just wanted to go through and up some details with you just from changes in circumstance, and Yep. I've got a few reports to send through regarding the super and the insurances and so on. Will you be able to look on to the email with me today, or should I just run you through it? Yeah. I'm in front of a computer now. Cool. So I'll pop that through. It should come up with a signature request for Oakview Financial annual review. Just your live email address. Yep.","start_word":31,"end_word":130,"sentiment":"neutral","sentiment_score":0.16135376691818237},{"text":"Beautiful.","start_word":131,"end_word":131,"sentiment":"positive","sentiment_score":0.4174379110336304},{"text":"Just while that's popping through, anything in particular that you would like to focus on for this review? Not really. Cool. Just a bit of a general update, that kind of thing. Yep. Pretty much. Awesome. Okay. And just so I can gauge your day, mate, how long have I got you for today? As long as you need to. Cool. I don't normally take that long. Usually, about fifteen, twenty. But if there's any other areas you wanna talk about today, I have set aside the time. Yeah. Not a problem. Perfect. Also, while that is popping through, just in terms of updating a few details here, I can see a bit of a change in employer for the contributions coming in. The one that we've got currently is Liberty Oz, Pty Ltd, trading as container domes and shelter. Yeah. They went insolvent the start of June. Oh, no. So FEG will actually I still have to claim money off FEG. I don't think they paid the last super contribution for the quarter. Right. K. I'm having a look at contributions here. I know there was some tax office ones popped in last year, but as far as the most recent ones, I've seen three big ones come through. You did get one on the first of May was the most recent. That was 3,300 Yeah. That was for the first quarter. and 50. Yep. So you still owed that last last Yeah. The quarter last of quarter. work. About $3,900 or something. Yep. Okay. And do you know if that's just still, like, expecting to be coming through or because of the insolvency that's all tied up at the moment? It's pretty much tied up at the moment. They have signed a Docker, which means Fed won't won't get involved until they, you know, send money through or something. Yeah. Maybe the next two months, I understand. Okay. Bit of a bummer. Outside of that, so now that they've gone insolvent, what's the the plan for work for you? I got a new job the next day.","start_word":132,"end_word":480,"sentiment":"neutral","sentiment_score":-0.018788205342297908},{"text":"Oh, congratulations. Fantastic.","start_word":481,"end_word":483,"sentiment":"positive","sentiment_score":0.4741555154323578},{"text":"Do you mind if I just grab the the title and the income for that one? It's got a sales representative, I guess, sales consultant. Yep. It's a 100,000 plus commission. 100,000 plus commission. Fantastic. And who's that through? Homes and Drainage Flats, Proprietary Limited. Homes and granny flats. B two I l t d.","start_word":484,"end_word":538,"sentiment":"neutral","sentiment_score":0.07525363564491272},{"text":"Fantastic. Thank you for that.","start_word":539,"end_word":543,"sentiment":"positive","sentiment_score":0.4550822675228119},{"text":"I'm assuming that's full time gig. Yep. Beautiful. Alrighty. Have you got that email open in front of you? I did. Yep. Perfect. So if you just pop in there, I don't know if you've used our new Odoo system before, but it kind of blends client data with a bit of a DocuSign attachment as well. This one, if you hit that purple button, it'll actually bring open all the review pack documents to go through together. So you can kind of click through, scroll through. Yep. So what I wanted to just quickly touch base with you on, in that first one there, there's a super and insurance summary with our letterhead. Can you see that? Yellow and pocket.","start_word":544,"end_word":664,"sentiment":"neutral","sentiment_score":0.12809903919696808},{"text":"That's cool.","start_word":665,"end_word":666,"sentiment":"positive","sentiment_score":0.792050838470459},{"text":"Just in terms of the super funds, I do see that, obviously, Hub 24 is the main platform at this point in time. Veronica recommended you move across from Netwealth, get some lower fees, better investments in that. And with the rest account, that was kind of being kept open for, like, some hardship claims and things like that. So I wanted to just run that by you today and say, are we still keeping the rest account open at this point, or are we looking to consolidate that? What's your your preference? Well, we can. I mean, originally, it was because NetWells was very hard to get any super out of for any reason. So we sorta just kept the rest account open. I can't see myself wanting to use my super for anything, so I can't see any problem with rolling it into the hub. Yeah. And with the recent changes to all the super funds in the last three to six months have been updating their, like, hardship provisions. So all their forms are a bit more uniform, and they tend to have pretty similar requirements these days compared to last year and a few years ago. Yeah. I mean, I'm working now. So it was only well well, I had the four years off, but I was claiming it about once every twelve months, but now I won't be. I have looked at dental stuff, but it's not worth taking out of my super. Yep.","start_word":667,"end_word":915,"sentiment":"neutral","sentiment_score":0.026138165965676308},{"text":"Perfect.","start_word":916,"end_word":916,"sentiment":"positive","sentiment_score":0.350877046585083},{"text":"Alright. So I'll I'll have a bit of a look at getting that fixed up. With the Neos insurances, so because you've got the occupation now, were you wanting any quotes for, like, income protection or anything like that? Because you've got life and disability insurance. Not really. I mean, it it'd be very hard to lose lose my income. Yeah. You'd be able to do it, you know, working from home or over the phone and In a wheelchair, but in but a wheelchair. I'm not there. Yep. And in terms of, like, cash flow and everything like that, what's the priority now with this new job in terms of savings? So I think we had you with, like, some cars, bikes, and a bit of computer equipment. Are you aiming for anything in particular? Not really, to be honest. Just build up the savings a little bit and track on.","start_word":917,"end_word":1068,"sentiment":"neutral","sentiment_score":0.05651516967306012},{"text":"Cool.","start_word":1069,"end_word":1069,"sentiment":"positive","sentiment_score":0.5111715793609619},{"text":"Alright. So for those two, we do have this is interesting. Income protection policy attached to the NEOS, $3.05 $8.06 a month. We've got I'll let you know what that kind of covers compared to what you've got. $3.05 $8.06 divided by 70%. So you're currently protected for about 61,000. Yep.","start_word":1070,"end_word":1120,"sentiment":"neutral","sentiment_score":0.10138768702745438},{"text":"Thirty day wait, two year benefit, nice, short, sharp, and pretty cheap.","start_word":1121,"end_word":1132,"sentiment":"positive","sentiment_score":0.3875298798084259},{"text":"All the rebates off, it's well under a grand. So I think after the rebate, $840 a year for all three. So I I don't personally have any reasons to do any alterations on those unless there's anything sort of burning that you can see. No.","start_word":1133,"end_word":1178,"sentiment":"neutral","sentiment_score":0.005353162065148354},{"text":"I I really can't unless I have a car accident or something.","start_word":1179,"end_word":1190,"sentiment":"negative","sentiment_score":-0.37122905254364014},{"text":"I can do my job from home in a wheelchair, and it'll be very hard to claim the income protection. Yep. Easy done. Alrighty. When it comes to so that certificate of currency is there. If anything major does happen, obviously, we're not people to call, but we do help through claims process. So paperwork, liaising with the funds, making sure you get a bit of advice along the side. If anything you need, just give us a buzz on that one. Yes. No problem.","start_word":1191,"end_word":1275,"sentiment":"neutral","sentiment_score":-0.007664863485842943},{"text":"Beautiful. Beautiful.","start_word":1276,"end_word":1277,"sentiment":"positive","sentiment_score":0.5620729923248291},{"text":"When it comes to the hub portfolio, so I mentioned earlier before that you'd come across from Netwealth. That's obviously lowered the fees there, and you've got a bit of a new portfolio that's been running for a little while. You basically went from a 106,000 to a 129,000.","start_word":1278,"end_word":1326,"sentiment":"neutral","sentiment_score":0.17704030871391296},{"text":"There was a bit of a dip in March when the Iran war kicked off where it dropped from $1.","start_word":1327,"end_word":1346,"sentiment":"negative","sentiment_score":-0.33895188570022583},{"text":"24 to $1.16 and then back up to $1.29. Now if you've got that email open, I really want to show you two things in particular. That third doc, you've probably already seen it, is a big blue table performance with IRR, and it's your hub 24 performance table. So you're in a growth portfolio. So four out of five on the risk scale, 80% growth assets, like shares, property, and gold. High risk would be 90 to a 100%. So you're like a peg below that if that rings a bell. Now when I look at the returns there, so you're aiming for an average of about eight to 10%.","start_word":1346,"end_word":1456,"sentiment":"neutral","sentiment_score":0.11906860023736954},{"text":"Good years, it's up fifteen, twenty.","start_word":1457,"end_word":1462,"sentiment":"positive","sentiment_score":0.3373742997646332},{"text":"Bad years could be down ten, fifteen, that kind of thing.","start_word":1463,"end_word":1473,"sentiment":"negative","sentiment_score":-0.5078004002571106},{"text":"Average out of about nine to 10, you should be sweet. If you look on the left hand side, you can see all the funds listed, and the very right hand side is the percentage returns. Are the figures able to be made out there? Are they clear enough? Yeah.","start_word":1474,"end_word":1523,"sentiment":"neutral","sentiment_score":0.06810247153043747},{"text":"Cool. So bottom to top makes a bit more sense. It's all pretty well double digits across the board until you hit the yield plus, which is 3.67%.","start_word":1524,"end_word":1551,"sentiment":"positive","sentiment_score":0.3641960024833679},{"text":"That's like a safe assets, kinda like a bank savings, term deposits, and so on. So no big deal there. India is down 10%, and Bennelong at the top is at 19.83. So every other fund is doing very, very well.","start_word":1552,"end_word":1592,"sentiment":"neutral","sentiment_score":0.2112947702407837},{"text":"Those two are the ones that are negative for this year at the moment.","start_word":1593,"end_word":1606,"sentiment":"negative","sentiment_score":-0.5675150752067566},{"text":"Now what I can kinda see there is that India in general for us is a bit of a long term economic play as manufacturing goes from China to India. As their economy grows, their shares will tend to increase sometime over the next five and ten years.","start_word":1607,"end_word":1654,"sentiment":"neutral","sentiment_score":0.0870135948061943},{"text":"But the one that's a bit of a concern is that Benelon option, which has dropped faster than the Aussie market and has bounced back not as much as the rest of the market has in that space.","start_word":1655,"end_word":1692,"sentiment":"negative","sentiment_score":-0.5656071305274963},{"text":"So what I'm basically asking here is I would like to look at a replacement option for that one. If you're still comfortable with that growth risk profile level, I can just do a straight switch out unless you're wanting me to increase or decrease your risk level. Well, I'll sort of leave that up to you guys. Last time I I had this conversation with Chevy about Vanguard because it was like three years of Vanguard just tanking. And then it shot up something like 24% the next year. So Yeah. if and again, like I said, that's why I keep my mouth shut now because Stevie will tell me, no.","start_word":1693,"end_word":1804,"sentiment":"neutral","sentiment_score":-0.11646009236574172},{"text":"No.","start_word":1805,"end_word":1805,"sentiment":"negative","sentiment_score":-0.4228513836860657},{"text":"It's it's gonna go up and then it does. So I guess what's the what's the advice with Dan? Do you think it's gonna go up or not? No. We don't. No. So what happened with them a little bit differently than a normal fund, sometimes when you've got five top guys, they tend to jostle for position where one's third one year and first next year, and you kind of wait a year or two for them to bounce back. For these guys in particular, what happened was they invested in a company that had some linking into The UK corporate traveler. And then something came out of the news about corporate traveler, and they had to write down that asset.","start_word":1806,"end_word":1927,"sentiment":"neutral","sentiment_score":-0.1937769651412964},{"text":"And that write down just completely tanked a lot of the funds. Since that point, a lot of their key members of the fund have actually left, and it's gotten to a point where we don't think there's any chance for it bouncing back in any significant way.","start_word":1928,"end_word":1975,"sentiment":"negative","sentiment_score":-0.5324970483779907},{"text":"So for this one, the real question is the style of replacement. Because Hub has the most investment options in the country, I've gotta whittle it down just a tiny bit. I can go for something a bit more lower fee, follows the market closely, or something where it's a bit higher fee, tries to beat the market? Where does your gut feeling lean between the two? I mean, I would probably say spreading the assets across the Australian ones that we've already got. Which let's have a look at the ones that you've got. We've got the one in the middle. Can you see that there? Q o zed, beta Shares Australia Raffy in the middle there? It's above your gold allocation. Above my girl. Beta shares. Raffy Odds EST units. Yep. Yeah.","start_word":1976,"end_word":2109,"sentiment":"neutral","sentiment_score":0.026668708159852384},{"text":"So Better Shares has that one and another standard a 200 model. Those are pretty standard low fee, good performing.","start_word":2110,"end_word":2129,"sentiment":"positive","sentiment_score":0.4228115379810333},{"text":"So I would pretty much be looking to switch them into some BetaShares options. Yep.","start_word":2130,"end_word":2144,"sentiment":"neutral","sentiment_score":0.2340683490037918},{"text":"That sounds fine with me.","start_word":2145,"end_word":2149,"sentiment":"positive","sentiment_score":0.38450905680656433},{"text":"Probably, and cyber because he's at BetaShares, global cyber, ETF as well. Yeah. So what I'll basically do is from the sale of the fund is we'll do a bit of a rebalance. So we'll divest that for that one, put it into the other options, and then rebalance it so it spreads across the portfolio. Yep.","start_word":2150,"end_word":2206,"sentiment":"neutral","sentiment_score":0.12179644405841827},{"text":"Sound good? Sounds good. Cool. Do you want me I'll put together an updated plan just to show you the figures and what we're doing.","start_word":2207,"end_word":2231,"sentiment":"positive","sentiment_score":0.4173095226287842},{"text":"I'll update the projections in there as well. Do you want me to factor in anything in terms of, like, salary sacrifice or anything like that or just your employer contributions? Probably not at this stage. When I start making contributions, I'll I'll probably do that.","start_word":2232,"end_word":2277,"sentiment":"neutral","sentiment_score":0.0022091956343501806},{"text":"Perfect.","start_word":2278,"end_word":2278,"sentiment":"positive","sentiment_score":0.6545045375823975},{"text":"So I'll pretty much base it on the $100 base income because I don't know what commissions you're looking at, and I'll just base it off the the salary continuance from work, and we'll go a bit more conservative with In twelve months time, once we review it, if the commissions are playing a big role and you wanna do some contributions or other things, I'll update it then. But for now, we'll just go baseline. Yeah. I would expect commissions will probably be as a minimum, maybe 50 for the year. Yeah. And for the commissions, you know, if they'll pay you super on those. I believe that have to Yeah. Alright. Would it be better to base it then for you on a 150 grands and go for that or go a bit more conservative with it? Probably do $1.25. That's the the bare minimum I would accept in a role anyway. Yep. Then two.","start_word":2279,"end_word":2435,"sentiment":"neutral","sentiment_score":0.05702947825193405},{"text":"Yep. Easy done. Sweet. So I'll get that all rebalanced for you, and we'll sort out the rest fund as well.","start_word":2436,"end_word":2456,"sentiment":"positive","sentiment_score":0.4184127748012543},{"text":"Leave the insurances as is. And just quickly in terms of, like, estate planning, anything you wanna do in terms of beneficiary nominations, wills, powers of attorney? Yeah. I do I do wanna update beneficiaries. If you can send me the paperwork to do so. Yep. Do you want me to prefill anything on there or just send you the forms and call back if you got any questions? What what's required in the prefill? So we normally put down who you wanna nominate, date of birth, possibly address, and then just the type of nomination if you want it to be legally binding and whether you want it to expire every three years or just be continuous. Yeah. It's pretty much all all just going to my partner, so it'd just be a case of putting her on the beneficiary. Yep. Alright. So partner, 100%. Non lapping binding. Your partner, de facto or married? I guess, Defacto. De facto. Okay. Do you want me to put in I do have your next of kin with us listed to Sarah Morris, the mother of the three children.","start_word":2457,"end_word":2643,"sentiment":"neutral","sentiment_score":0.07073096261623708},{"text":"Perfect. So keep her as emergency contact with us Yep.","start_word":2644,"end_word":2653,"sentiment":"positive","sentiment_score":0.3932710289955139},{"text":"and three dependents are still for the family. Yep.","start_word":2654,"end_word":2662,"sentiment":"neutral","sentiment_score":0.2517227232456207},{"text":"Perfect. Alright. Easy done. That's sorted.","start_word":2663,"end_word":2668,"sentiment":"positive","sentiment_score":0.436957448720932},{"text":"That's sorted. Assets and liabilities wise, just quickly, cars, bike, computer equipment, any cash savings built up so far, I can just note down for your fact find. I've got I've got, like, 10 in the bank, and I've doubled my cars and computers and stuff. Yeah. Right. Okay. I'll double those up to 16 for the computer and about 90 for the cars and bikes.","start_word":2669,"end_word":2734,"sentiment":"neutral","sentiment_score":0.1485046148300171},{"text":"Good. And that's pretty much it.","start_word":2735,"end_word":2740,"sentiment":"positive","sentiment_score":0.48500052094459534},{"text":"Bit of a reminder for the will and power of attorney.","start_word":2741,"end_word":2751,"sentiment":"neutral","sentiment_score":0.1743675321340561},{"text":"Update the beneficiaries for the life insurance and the super, rebalance the portfolio, and we should be good to go.","start_word":2752,"end_word":2771,"sentiment":"positive","sentiment_score":0.37252384424209595},{"text":"We did have a couple of goals noted down for some holidays to Europe. You'd obviously finished the study and everything. Are you still going back into software design at any point, or do you reckon sticking to the sales side? I'm just gonna stick to sales. I make more Yep. money. It's not I was not gonna my say. passion, but I can still do the other stuff on the side. It's fine. Yeah. One's the hobby. One gets the bills paid. Pretty much.","start_word":2772,"end_word":2856,"sentiment":"neutral","sentiment_score":0.11912017315626144},{"text":"Easy done.","start_word":2857,"end_word":2858,"sentiment":"positive","sentiment_score":0.390478789806366},{"text":"Alrighty. Outside of that, mate, we've got that review pack with you. No changes so far to fees and agreements with us until next year. One thing I will let you know, I was talking to Sev, we're looking to do a bit of a tiered fee structure for everybody next year. So when they hit $200 or above, we'll start doing some discounts as well. For now, it's still just a standard 1.65. And the other documents in there are basically just reports your own records, service guide with licensing information. Nothing out of the ordinary there. Alrighty. Mate, anything in particular, any questions so far before I let you go? No. That's pretty much it.","start_word":2859,"end_word":2975,"sentiment":"neutral","sentiment_score":0.07959190727426456},{"text":"Cool. I will pretty much send this off today to just drop those comparisons, do the switch around in the updated advice strategy.","start_word":2976,"end_word":2998,"sentiment":"positive","sentiment_score":0.4193991720676422},{"text":"I'm Yep. off next week, but as soon as I get back, I'll get the team to book you in, run through the figures together, and make sure you're comfortable with And then just as normal, if you give us the thumbs up, we can pretty much jump on the account and make the trades for you. Yeah. No.","start_word":2999,"end_word":3057,"sentiment":"neutral","sentiment_score":0.28949496150016785},{"text":"Awesome, mate. Well, thank you for calling back and taking the time, and I shall talk to you in a couple of weeks' Not a problem.","start_word":3058,"end_word":3083,"sentiment":"positive","sentiment_score":0.5154963135719299},{"text":"time.","start_word":3084,"end_word":3084,"sentiment":"neutral","sentiment_score":0.2550428509712219},{"text":"Thanks, David. Have a good one. Thanks. Bye.","start_word":3085,"end_word":3092,"sentiment":"positive","sentiment_score":0.6605915427207947},{"text":"Bye. Bye.","start_word":3093,"end_word":3094,"sentiment":"neutral","sentiment_score":0.2711067795753479}],"average":{"sentiment":"neutral","sentiment_score":0.06338413027590865}}}}