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No. That's totally fine. I've got a few dogs barking around the place, and we're just doing a bit of work from home with a fuel crisis. So, likewise. Now I'm going to email through this advice document. And just while you grab that up, could I please confirm your date of birth and address for security? Yep. Perfect. Thank you so much for that. And I registered with our speaker's adviser 1273105. Are you okay for the call to be recorded? Sensational. So this email is coming through to you now just to your Hotmail address. It's got a few product document attachments with it, which is a little bit large. It may take thirty seconds or so, but it should come through to my inbox now since that first email we did together. Now can you let me know when you've got that there? It should be a signature request from Oakview, and I've got a number of attachments at the bottom of the email rather than just clicking through that first link. Perfect. Now when you grab that, at the bottom with the attachment, the two main ones I wanted to go through with you to begin with, there is a statement of advice there, but there's also an SOA appendix. I'm just wondering if you could grab up that appendix for me first. It's got, like, a big forest mountain view picture on it. Cool. And can you just let me know if the text is at all clear? Can you read it okay? Perfect. So the main parts of advice that we were looking at was we're just updating some of the investments inside the super. A little bit of a reminder on the estate planning because of, obviously, wills and power of attorney in New Zealand and everything. And I did do some quotes for that trauma insurance. If you remember that trauma cover for, like, the heart attack, stroke, and cancer, does that ring a bell? Yep. Now what happened was we were doing some research, and we found across all of the different insurance providers that Ascender, which used to be MLC, they're offering the the sort of best deal for the level of cover for you. And I had a bit of a limit there. We were looking for a $100,000 worth of sort of medical expenses cover, but I put a limit of 40 to $50 a month, which we were just kind of throwing out as a bit of an estimate. Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document. What I have included, if you scroll through that appendix, you should see the table of contents, a risk profile table, some disclaimers for two pages after that. You'll see some PDF links for all these little blue links for the different investment options, some returns methodology, and then we've got three quotes at the back of the appendix. So just so you've got them there, the first one is in order to make it a bit cheaper, we put together life insurance alongside the trauma cover. It's just a little bit of a trick where you link them together and it makes it cheaper. The first one is for the 100,000. I did include two alternative quotes here. One for 75,000, one for 50,000, and it kind of drops through. The 50,000 came out to be $31.21 and $8.83, which is $40 a month for 50,000. So I wanted to just kinda leave that with you and say, hey. I haven't recommended it because the amount that we were after for the price we're after is not it's about twice as much, but I have just given a few step down quoting case. It was that important that you still wanted to look at it. K. So any thoughts on that at the moment? Are you happy to kind of skip past that one today? Do you want me to look at going for some of the lower amounts? Yep. Yeah. Yep. Yeah. Absolutely. So what I'll do is at the moment, we're just gonna keep your existing, like, life, TPD, and income protection in place, and we're not gonna have trauma cover at the moment. If we need to revisit it in twelve months, I can redo some quotes. Perfect. Now if you can grab up the actually, give this one a go for me. In that email, there is, like, a purple sign here button, and it's gonna bring up the main statement of advice for you. That's okay. Yep. So it should pop up with, like, an authorization for electronic consent. But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold Coast view. Can you see that? Perfect. So let's just go for a scroll together. Don't click any buttons or sign anything. We're just gonna go through and see if it's comfortable with the plan. So it's got my license details on the front. You scroll through past there. We've got the best interest duty, which is, you know, we need to make recommendations to achieve your goals, leave you at a better position. We've got table of contents. And can you go down to page four, the scope of advice? No worries. And that can be a bit tricky on the phones and everything too. And you should see a nice blue heading. Scope of advice considered. Cool. So, again, scope of advice, we're just listing all the goals and areas of advice. We've got the super at the top with the retirement goal. That's what we're focusing on at the moment, estate planning. If you go on the next page, I've got the full explanation of the insurances, which is basically keep what you've got in place. We did consider some trauma cover, but didn't recommend it and just provided those alternative quotes there as well. And if you go past there, what's not in this document as far as advice goes is we're not giving you budgeting and debt management advice because, obviously, you're already settling into your new cash flow position. We've got the employer contributions and everything. And in terms of purchasing a house in the next few years, that's kind of a future goal you're working towards. Perfect. Now if you go down, we've got your about you section on pages seven and eight, which has your details and your assets and liabilities. So quick reminder, we had the combined income of 95,000, but that's split between the two different employers, one that you're kind of invoicing as a sole trader and one that's a bit more part time. Yep. Perfect. We got the two cars, the savings, the bicycle, and I have made a note of the Forestry New Zealand, but it's not currently, like, transferred across and in possession at the moment. So I've just made a note of it, but I haven't included the address yet. Yep. Yeah. Yep. Yep. Yeah. And it's pretty common in Australia as well. There was all the rage back in 2015 where there was a lot of forestry lots going in investments, and most of them went fairly up. I think one of them got a couple of lots actually chopped down and investors paid, but it was just a big big hoover over here as well. Yep. Yeah. So it's probably gonna be quite a few months of back and forth and legals and all the rest of it, won't it? Yeah. Totally fair. And yep. That's a positive rather than head in the sand kind of thing, and it's just being ignored. So at least there's some movement. Yeah. Yeah. Yeah. Well, hopefully, that bears some fruit. Ignore the pun, sorry, for the next twelve months or so when something good comes out of it. And one other thing I wanted to ask you as well sorry. Go. Yes. Yes. Yeah. Yeah. Okay. Yeah. Yeah. A bit of invest first, get that building, and then it'll help you get in. So that's an interesting idea. Cool. Best of luck, and I I hope I get some good news from that way as well. It'd be nice to to jump in sooner rather than later as well. Cool. So I've still got the goals listed for the next, say, one to five years as it being the focus, you know, trying to get into the kind of property side of things. I wanted to ask you about in terms of the contributions to Super. We were just doing a bit of a projection based on what's coming through from one of the employers. I'm just wondering if you had any developments in terms of, like, the invoicing, the cash flow, and everything. Do you want me to do anything for next financial year with regards to evening out the contributions between the two incomes? Okay. Yeah. So for that actually works out pretty well. So I've based some of these projections on just an estimate, like, long term to show that if you were getting contributions on both sources. If anything changes, just, you know, update us next year, but never eventually so I can always update things. Cool. So if you have a little scroll down past your assets, you'll see the hub linked insurances and the risk profile of the growth on page ten and eleven. So, again, growth for the super, we've got that four out of five on the risk scale, around about 80% growth assets like shares, property, and gold. We're not going anything high risk than that. And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations. And this is kind of where we go over, like, the best interest duties, why we're doing what we're doing. And then under that, there's, like, a whole table of advantages and disadvantages. So the way I can kind of summarize it for you is we're just updating a few investments within the super, trying to get rid of that one that was underperforming, which was that Ben along Australian shares, if that rings a bell. Perfect. So when we looked at all the comparisons, so we're replacing it with a pretty new passive low fee option, and we've got the investment fee down. We've got the returns up much higher. And, basically, the whole long and short of it is we're projecting a a lot better outcome over the next five to ten years. And then once you get a tiny bit closer, we're gonna start doing a retirement analysis. So once you're less than ten years away, we're gonna show, okay. This is where you're gonna get to. How long is that gonna last according to your, like, retirement goal? And do we need to adjust things, you know, reduce your risk levels down or bump anything up to kind of keep you on track for retirement? Now if you look at the table underneath that advantages and disadvantages, basically, we're echoes the same thing. There's no point, like, changing super funds because there's been no real major changes in terms of the fees or the features of Hub. It still has all of those investment options that we need. So we just use what was within Hub because they've got the most options. The disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6. Whenever you buy ETF, which is how we get the investment fees so low, there's a brokerage fee upfront, which is like 0.11%, minimum, like, $11. That helps you buy the ETFs. And then from that point forward, they're kind of the lowest fee investments going forward. So not too much of a drawback there, a little bit of a purchase, tiny bit of tax. And if you go all the way down, the main details I wanted to show you were on pages 15. You should see a really big table of investments with a lot of, like, red and green text showing will be by themselves. So the main thing I wanted to point out here, Faye, if you can look at the right hand column, you should see a column called target weight, and you can see all these percentages there. Some nice round figures, the seven, the zero, the 10. Can you see all that? Basically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down. We just wanna bring everything back to the middle, and that bet along is being sold out. And if you look at the very bottom of the table, you should see there the beta shares Australia 200, and that is your low fee replacement of the bet along. And so that reduces the investment fee on that option from 0.9 to 0.2. So it's quite a lot cheaper, and the performance has just been out of this world kind of thing. So if you go down a bit further, you'll see a pie chart on page 17. That's the asset allocation. Now all I wanna point out on this pie chart is if you can make out the figures, the very middle row of that table says growth total, and it kind of goes 80%, eighty one seventy nine. Can you see that in the middle? So that's that growth total we were talking about, the 8020 split, and it's just showing that we're kind of maintaining that across the board. The risk profile is 80%. You're currently in 81. When we rebalance everything, it was sitting at about 79, and that's kind of right on target. Last two bits of details here. Fee comparison on the next page, that just shows you that we factored in, like, the capital gains tax, the estimated contributions on both income just as a bit of an ideal scenario, and the investment fee difference on the right. Bottom of that table shows you the performance difference. So it goes on the five years from just under 11% to just over 12%, which may not seem like much. But if you look on the next page, it's got a bit of an impact of projections there for you. And just a bit of a switch out, another 10 to 30,000 over the next five to ten years, and we're predicting that you're gonna go and clear 300,000 over the next decade. Okay? Performance underneath that, it's just really consistent. Having a 20% return for the last twelve months is really big for a growth fund. Normally, we're aiming for that eight to 9% average, like I was saying during the review. If we can keep it at those high double digits, that's gonna be really good, but we're still basing things on that benchmark. So that's pretty much it for most of the strategies. The rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience. But that's pretty much it for the super. Switch the investments around, get the fees down, get the performance up a little bit, and we're not doing anything with the insurances at the moment. So does all that make sense? Do you have any questions for me? Definitely not through us. I think the will side of things, you've got the three options I always go over with people is as lawyers, the public trustee of the state, or, you know, post office will kit, which they're not the best. Yeah. Yeah. And that caused some trouble too. And is that the same for the power of attorney? Like, if you were, you know, sick or injured, I guess, like, you can nominate each other there as well. But that's a pretty good one to make sure that, you know, if you're in hospital, someone can access the bank account and talk to the doctors as well as the will. And there's no trusted friends or anything or anyone that you would trust to put in there? And can I double check with you too? So with the public trustee, were they kind of maybe executor of the will and that just caused a lot of headaches? Yeah. Yeah. I know in Australia, there's those situations where the public trust that you can take a decent amount to execute everything as well. So it pays to kind of be careful with with who you link on to everything in the estate. Yeah. Yeah. Definitely probably gonna be something to talk to a lawyer about at the moment even if it's just that discovery type meeting to give you some ideas and then kinda go from there. Cool. Yeah. Definitely a few things on the to do list between everything in NZ, the estate. Everything on this end for the super thing is nice and simple. We'll just balance things and look after it and and then check-in with you to see how everything's going. Say, the only thing I wanted to let you know as well is when you go through for this document, first of all, are you comfortable with the the strategy? Are you happy to to go ahead with them? Yep. When you go through to do the Odoo signing, I always include a little bit of a text box because you have the ability to vary the recommendations if there's something that you need to change. So if you're happy with just doing the investment switch as I've outlined, just type in NA in the box because it may not let you skip past there without putting something in the box. K? It does include the service agreement from the annual review after the statement of advice, and there's also a tax file number of declaration form, which if you remember that one is kind of just making sure we still have your consent to hold that number because it is so important. Cool. Do you want me to leave you with that one? Do you want me to kind of stay online as you go through the the buttons there just to make sure I do make sense for you? Yeah. And if it's up to you, like, you can stamp the signature on there, or if you click on the signature, you can draw it so it matches your ID. For us, either one is fine. It's just some product providers prefer it to match the the ID, but we don't have any product documents to sign to that. Yep. And then it'll give you after the validation button, it'll give you a pop up with a signed copy for yourself. But if you need to get one, like, on your email, just let the team let the team know, and we can send it through to you. Yep. That's come through all good. Do you have any final questions for me before I let you go? Cool. Faye. So from here, I'll give this to the team tomorrow. We'll get going on the investment switches, and then we've just got the usual bookings like annual reviews and things like that. If anything else pops up, please just give us a call, and we can book in for a an updated chat. Alrighty. Best of luck with the property group, and, hopefully, talk to you again soon. No worries at all, Faye. Anytime. Talk to you soon. Yes. 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evening, Faye. It's Tommy here, senior adviser from OQ. How are you doing? Doing fantastic. I'm just giving you a call to go through that updated advice document if you still have time.\n\nNo. That's totally fine. I've got a few dogs barking around the place, and we're just doing a bit of work from home with a fuel crisis. So, likewise. Now I'm going to email through this advice document.\n\nAnd just while you grab that up, could I please confirm your date of birth and address for security? Yep. Perfect. Thank you so much for that. And I registered with our speaker's adviser 1273105.\n\nAre you okay for the call to be recorded? Sensational. So this email is coming through to you now just to your Hotmail address. It's got a few product document attachments with it, which is a little bit large. It may take thirty seconds or so, but it should come through to my inbox now since that first email we did together.\n\nNow can you let me know when you've got that there? It should be a signature request from Oakview, and I've got a number of attachments at the bottom of the email rather than just clicking through that first link. Perfect. Now when you grab that, at the bottom with the attachment, the two main ones I wanted to go through with you to begin with, there is a statement of advice there, but there's also an SOA appendix. I'm just wondering if you could grab up that appendix for me first.\n\nIt's got, like, a big forest mountain view picture on it. Cool. And can you just let me know if the text is at all clear? Can you read it okay? Perfect.\n\nSo the main parts of advice that we were looking at was we're just updating some of the investments inside the super. A little bit of a reminder on the estate planning because of, obviously, wills and power of attorney in New Zealand and everything. And I did do some quotes for that trauma insurance. If you remember that trauma cover for, like, the heart attack, stroke, and cancer, does that ring a bell? Yep.\n\nNow what happened was we were doing some research, and we found across all of the different insurance providers that Ascender, which used to be MLC, they're offering the the sort of best deal for the level of cover for you. And I had a bit of a limit there. We were looking for a $100,000 worth of sort of medical expenses cover, but I put a limit of 40 to $50 a month, which we were just kind of throwing out as a bit of an estimate. Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document. What I have included, if you scroll through that appendix, you should see the table of contents, a risk profile table, some disclaimers for two pages after that.\n\nYou'll see some PDF links for all these little blue links for the different investment options, some returns methodology, and then we've got three quotes at the back of the appendix. So just so you've got them there, the first one is in order to make it a bit cheaper, we put together life insurance alongside the trauma cover. It's just a little bit of a trick where you link them together and it makes it cheaper. The first one is for the 100,000. I did include two alternative quotes here.\n\nOne for 75,000, one for 50,000, and it kind of drops through. The 50,000 came out to be $31.21 and $8.83, which is $40 a month for 50,000. So I wanted to just kinda leave that with you and say, hey. I haven't recommended it because the amount that we were after for the price we're after is not it's about twice as much, but I have just given a few step down quoting case. It was that important that you still wanted to look at it.\n\nK. So any thoughts on that at the moment? Are you happy to kind of skip past that one today? Do you want me to look at going for some of the lower amounts? Yep.\n\nYeah. Yep. Yeah. Absolutely. So what I'll do is at the moment, we're just gonna keep your existing, like, life, TPD, and income protection in place, and we're not gonna have trauma cover at the moment.\n\nIf we need to revisit it in twelve months, I can redo some quotes. Perfect. Now if you can grab up the actually, give this one a go for me. In that email, there is, like, a purple sign here button, and it's gonna bring up the main statement of advice for you. That's okay.\n\nYep. So it should pop up with, like, an authorization for electronic consent. But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold Coast view. Can you see that? Perfect.\n\nSo let's just go for a scroll together. Don't click any buttons or sign anything. We're just gonna go through and see if it's comfortable with the plan. So it's got my license details on the front. You scroll through past there.\n\nWe've got the best interest duty, which is, you know, we need to make recommendations to achieve your goals, leave you at a better position. We've got table of contents. And can you go down to page four, the scope of advice? No worries. And that can be a bit tricky on the phones and everything too.\n\nAnd you should see a nice blue heading. Scope of advice considered. Cool. So, again, scope of advice, we're just listing all the goals and areas of advice. We've got the super at the top with the retirement goal.\n\nThat's what we're focusing on at the moment, estate planning. If you go on the next page, I've got the full explanation of the insurances, which is basically keep what you've got in place. We did consider some trauma cover, but didn't recommend it and just provided those alternative quotes there as well. And if you go past there, what's not in this document as far as advice goes is we're not giving you budgeting and debt management advice because, obviously, you're already settling into your new cash flow position. We've got the employer contributions and everything.\n\nAnd in terms of purchasing a house in the next few years, that's kind of a future goal you're working towards. Perfect. Now if you go down, we've got your about you section on pages seven and eight, which has your details and your assets and liabilities. So quick reminder, we had the combined income of 95,000, but that's split between the two different employers, one that you're kind of invoicing as a sole trader and one that's a bit more part time. Yep.\n\nPerfect. We got the two cars, the savings, the bicycle, and I have made a note of the Forestry New Zealand, but it's not currently, like, transferred across and in possession at the moment. So I've just made a note of it, but I haven't included the address yet. Yep. Yeah.\n\nYep. Yep. Yeah. And it's pretty common in Australia as well. There was all the rage back in 2015 where there was a lot of forestry lots going in investments, and most of them went fairly up.\n\nI think one of them got a couple of lots actually chopped down and investors paid, but it was just a big big hoover over here as well. Yep. Yeah. So it's probably gonna be quite a few months of back and forth and legals and all the rest of it, won't it? Yeah.\n\nTotally fair. And yep. That's a positive rather than head in the sand kind of thing, and it's just being ignored. So at least there's some movement. Yeah.\n\nYeah. Yeah. Well, hopefully, that bears some fruit. Ignore the pun, sorry, for the next twelve months or so when something good comes out of it. And one other thing I wanted to ask you as well sorry.\n\nGo. Yes. Yes. Yeah. Yeah.\n\nOkay. Yeah. Yeah. A bit of invest first, get that building, and then it'll help you get in. So that's an interesting idea.\n\nCool. Best of luck, and I I hope I get some good news from that way as well. It'd be nice to to jump in sooner rather than later as well. Cool. So I've still got the goals listed for the next, say, one to five years as it being the focus, you know, trying to get into the kind of property side of things.\n\nI wanted to ask you about in terms of the contributions to Super. We were just doing a bit of a projection based on what's coming through from one of the employers. I'm just wondering if you had any developments in terms of, like, the invoicing, the cash flow, and everything. Do you want me to do anything for next financial year with regards to evening out the contributions between the two incomes? Okay.\n\nYeah. So for that actually works out pretty well. So I've based some of these projections on just an estimate, like, long term to show that if you were getting contributions on both sources. If anything changes, just, you know, update us next year, but never eventually so I can always update things. Cool.\n\nSo if you have a little scroll down past your assets, you'll see the hub linked insurances and the risk profile of the growth on page ten and eleven. So, again, growth for the super, we've got that four out of five on the risk scale, around about 80% growth assets like shares, property, and gold. We're not going anything high risk than that. And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations. And this is kind of where we go over, like, the best interest duties, why we're doing what we're doing.\n\nAnd then under that, there's, like, a whole table of advantages and disadvantages. So the way I can kind of summarize it for you is we're just updating a few investments within the super, trying to get rid of that one that was underperforming, which was that Ben along Australian shares, if that rings a bell. Perfect. So when we looked at all the comparisons, so we're replacing it with a pretty new passive low fee option, and we've got the investment fee down. We've got the returns up much higher.\n\nAnd, basically, the whole long and short of it is we're projecting a a lot better outcome over the next five to ten years. And then once you get a tiny bit closer, we're gonna start doing a retirement analysis. So once you're less than ten years away, we're gonna show, okay. This is where you're gonna get to. How long is that gonna last according to your, like, retirement goal?\n\nAnd do we need to adjust things, you know, reduce your risk levels down or bump anything up to kind of keep you on track for retirement? Now if you look at the table underneath that advantages and disadvantages, basically, we're echoes the same thing. There's no point, like, changing super funds because there's been no real major changes in terms of the fees or the features of Hub. It still has all of those investment options that we need. So we just use what was within Hub because they've got the most options.\n\nThe disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6. Whenever you buy ETF, which is how we get the investment fees so low, there's a brokerage fee upfront, which is like 0.11%, minimum, like, $11. That helps you buy the ETFs. And then from that point forward, they're kind of the lowest fee investments going forward. So not too much of a drawback there, a little bit of a purchase, tiny bit of tax.\n\nAnd if you go all the way down, the main details I wanted to show you were on pages 15. You should see a really big table of investments with a lot of, like, red and green text showing will be by themselves. So the main thing I wanted to point out here, Faye, if you can look at the right hand column, you should see a column called target weight, and you can see all these percentages there. Some nice round figures, the seven, the zero, the 10. Can you see all that?\n\nBasically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down. We just wanna bring everything back to the middle, and that bet along is being sold out. And if you look at the very bottom of the table, you should see there the beta shares Australia 200, and that is your low fee replacement of the bet along. And so that reduces the investment fee on that option from 0.9 to 0.2. So it's quite a lot cheaper, and the performance has just been out of this world kind of thing.\n\nSo if you go down a bit further, you'll see a pie chart on page 17. That's the asset allocation. Now all I wanna point out on this pie chart is if you can make out the figures, the very middle row of that table says growth total, and it kind of goes 80%, eighty one seventy nine. Can you see that in the middle? So that's that growth total we were talking about, the 8020 split, and it's just showing that we're kind of maintaining that across the board.\n\nThe risk profile is 80%. You're currently in 81. When we rebalance everything, it was sitting at about 79, and that's kind of right on target. Last two bits of details here. Fee comparison on the next page, that just shows you that we factored in, like, the capital gains tax, the estimated contributions on both income just as a bit of an ideal scenario, and the investment fee difference on the right.\n\nBottom of that table shows you the performance difference. So it goes on the five years from just under 11% to just over 12%, which may not seem like much. But if you look on the next page, it's got a bit of an impact of projections there for you. And just a bit of a switch out, another 10 to 30,000 over the next five to ten years, and we're predicting that you're gonna go and clear 300,000 over the next decade. Okay?\n\nPerformance underneath that, it's just really consistent. Having a 20% return for the last twelve months is really big for a growth fund. Normally, we're aiming for that eight to 9% average, like I was saying during the review. If we can keep it at those high double digits, that's gonna be really good, but we're still basing things on that benchmark. So that's pretty much it for most of the strategies.\n\nThe rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience. But that's pretty much it for the super. Switch the investments around, get the fees down, get the performance up a little bit, and we're not doing anything with the insurances at the moment. So does all that make sense? Do you have any questions for me?\n\nDefinitely not through us. I think the will side of things, you've got the three options I always go over with people is as lawyers, the public trustee of the state, or, you know, post office will kit, which they're not the best. Yeah. Yeah. And that caused some trouble too.\n\nAnd is that the same for the power of attorney? Like, if you were, you know, sick or injured, I guess, like, you can nominate each other there as well. But that's a pretty good one to make sure that, you know, if you're in hospital, someone can access the bank account and talk to the doctors as well as the will. And there's no trusted friends or anything or anyone that you would trust to put in there? And can I double check with you too?\n\nSo with the public trustee, were they kind of maybe executor of the will and that just caused a lot of headaches? Yeah. Yeah. I know in Australia, there's those situations where the public trust that you can take a decent amount to execute everything as well. So it pays to kind of be careful with with who you link on to everything in the estate.\n\nYeah. Yeah. Definitely probably gonna be something to talk to a lawyer about at the moment even if it's just that discovery type meeting to give you some ideas and then kinda go from there. Cool. Yeah.\n\nDefinitely a few things on the to do list between everything in NZ, the estate. Everything on this end for the super thing is nice and simple. We'll just balance things and look after it and and then check-in with you to see how everything's going. Say, the only thing I wanted to let you know as well is when you go through for this document, first of all, are you comfortable with the the strategy? Are you happy to to go ahead with them?\n\nYep. When you go through to do the Odoo signing, I always include a little bit of a text box because you have the ability to vary the recommendations if there's something that you need to change. So if you're happy with just doing the investment switch as I've outlined, just type in NA in the box because it may not let you skip past there without putting something in the box. K? It does include the service agreement from the annual review after the statement of advice, and there's also a tax file number of declaration form, which if you remember that one is kind of just making sure we still have your consent to hold that number because it is so important.\n\nCool. Do you want me to leave you with that one? Do you want me to kind of stay online as you go through the the buttons there just to make sure I do make sense for you? Yeah. And if it's up to you, like, you can stamp the signature on there, or if you click on the signature, you can draw it so it matches your ID.\n\nFor us, either one is fine. It's just some product providers prefer it to match the the ID, but we don't have any product documents to sign to that. Yep. And then it'll give you after the validation button, it'll give you a pop up with a signed copy for yourself. But if you need to get one, like, on your email, just let the team let the team know, and we can send it through to you.\n\nYep. That's come through all good. Do you have any final questions for me before I let you go? Cool. Faye.\n\nSo from here, I'll give this to the team tomorrow. We'll get going on the investment switches, and then we've just got the usual bookings like annual reviews and things like that. If anything else pops up, please just give us a call, and we can book in for a an updated chat. Alrighty. Best of luck with the property group, and, hopefully, talk to you again soon.\n\nNo worries at all, Faye. Anytime. Talk to you soon. Yes. Bye.","paragraphs":[{"sentences":[{"text":"Good evening, Faye.","start":3.04,"end":4.0,"sentiment":"positive","sentiment_score":0.33388883868853253},{"text":"It's Tommy here, senior adviser from OQ.","start":4.0,"end":6.08,"sentiment":"neutral","sentiment_score":0.2058342354638236},{"text":"How are you doing?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.17729955911636353},{"text":"Doing fantastic.","start":8.639999,"end":9.54,"sentiment":"positive","sentiment_score":0.7735816836357117},{"text":"I'm just giving you a call to go through that updated advice document if you still have time.","start":10.0,"end":14.5,"sentiment":"neutral","sentiment_score":0.24161098897457123}],"sentiment":"neutral","sentiment_score":0.26611369322328005,"num_words":34,"start":3.04,"end":14.5},{"sentences":[{"text":"No.","start":24.005,"end":24.164999,"sentiment":"neutral","sentiment_score":-0.08171629160642624},{"text":"That's totally fine.","start":24.164999,"end":25.204998,"sentiment":"neutral","sentiment_score":-0.008012103537718454},{"text":"I've got a few dogs barking around the place, and we're just doing a bit of work from home with a fuel crisis.","start":25.204998,"end":31.84,"sentiment":"neutral","sentiment_score":-0.06564434326213339},{"text":"So, likewise.","start":31.84,"end":33.38,"sentiment":"neutral","sentiment_score":0.011314650997519493},{"text":"Now I'm going to email through this advice document.","start":35.76,"end":39.38,"sentiment":"neutral","sentiment_score":0.10441710468795565}],"sentiment":"neutral","sentiment_score":-0.01718919087005289,"num_words":38,"start":24.005,"end":39.38},{"sentences":[{"text":"And just while you grab that up, could I please confirm your date of birth and address for security?","start":39.44,"end":45.295,"sentiment":"neutral","sentiment_score":0.03744118150911833},{"text":"Yep.","start":56.649998,"end":57.149998,"sentiment":"neutral","sentiment_score":0.09486468136310576},{"text":"Perfect.","start":57.21,"end":57.71,"sentiment":"positive","sentiment_score":0.3757548928260803},{"text":"Thank you so much for that.","start":58.01,"end":59.449997,"sentiment":"positive","sentiment_score":0.5425466895103455},{"text":"And I registered with our speaker's adviser 1273105.","start":59.449997,"end":63.71,"sentiment":"neutral","sentiment_score":0.171161406673491}],"sentiment":"neutral","sentiment_score":0.16590209752321244,"num_words":35,"start":39.44,"end":63.71},{"sentences":[{"text":"Are you okay for the call to be recorded?","start":63.85,"end":65.79,"sentiment":"neutral","sentiment_score":0.0679802762137519},{"text":"Sensational.","start":67.564995,"end":68.064995,"sentiment":"neutral","sentiment_score":0.01566321961581707},{"text":"So this email is coming through to you now just to your Hotmail address.","start":68.284996,"end":72.225,"sentiment":"neutral","sentiment_score":0.004564815866095679},{"text":"It's got a few product document attachments with it, which is a little bit large.","start":73.085,"end":78.145,"sentiment":"neutral","sentiment_score":-0.04124579342703025},{"text":"It may take thirty seconds or so, but it should come through to my inbox now since that first email we did together.","start":78.365,"end":86.47,"sentiment":"neutral","sentiment_score":0.02704385910993037}],"sentiment":"neutral","sentiment_score":0.011205080415933363,"num_words":62,"start":63.85,"end":86.47},{"sentences":[{"text":"Now can you let me know when you've got that there?","start":90.05,"end":92.53,"sentiment":"neutral","sentiment_score":0.03875954110514034},{"text":"It should be a signature request from Oakview, and I've got a number of attachments at the bottom of the email rather than just clicking through that first link.","start":92.53,"end":102.585,"sentiment":"neutral","sentiment_score":0.03270914848765422},{"text":"Perfect.","start":108.74,"end":109.24,"sentiment":"neutral","sentiment_score":0.24113509058952332},{"text":"Now when you grab that, at the bottom with the attachment, the two main ones I wanted to go through with you to begin with, there is a statement of advice there, but there's also an SOA appendix.","start":121.075,"end":132.695,"sentiment":"neutral","sentiment_score":0.03455312273121978},{"text":"I'm just wondering if you could grab up that appendix for me first.","start":133.24,"end":136.28,"sentiment":"neutral","sentiment_score":0.012061454727350233}],"sentiment":"neutral","sentiment_score":0.03354209700141244,"num_words":92,"start":90.05,"end":136.28},{"sentences":[{"text":"It's got, like, a big forest mountain view picture on it.","start":136.28,"end":139.9,"sentiment":"neutral","sentiment_score":0.1291431967507709},{"text":"Cool.","start":147.095,"end":147.41501,"sentiment":"positive","sentiment_score":0.43329495191574097},{"text":"And can you just let me know if the text is at all clear?","start":147.41501,"end":149.815,"sentiment":"neutral","sentiment_score":0.14086407955203736},{"text":"Can you read it okay?","start":149.815,"end":151.035,"sentiment":"neutral","sentiment_score":0.07411189377307892},{"text":"Perfect.","start":153.41501,"end":153.895,"sentiment":"positive","sentiment_score":0.7587389945983887}],"sentiment":"neutral","sentiment_score":0.154852052917704,"num_words":32,"start":136.28,"end":153.895},{"sentences":[{"text":"So the main parts of advice that we were looking at was we're just updating some of the investments inside the super.","start":153.895,"end":160.235,"sentiment":"neutral","sentiment_score":0.18632733906534585},{"text":"A little bit of a reminder on the estate planning because of, obviously, wills and power of attorney in New Zealand and everything.","start":161.31001,"end":166.93001,"sentiment":"neutral","sentiment_score":0.05763451552585415},{"text":"And I did do some quotes for that trauma insurance.","start":167.39,"end":172.13,"sentiment":"neutral","sentiment_score":0.04378092493861914},{"text":"If you remember that trauma cover for, like, the heart attack, stroke, and cancer, does that ring a bell?","start":172.19,"end":177.72499,"sentiment":"neutral","sentiment_score":0.010887631852375833},{"text":"Yep.","start":179.22499,"end":179.70499,"sentiment":"neutral","sentiment_score":0.016194593161344528}],"sentiment":"neutral","sentiment_score":0.08114218885699907,"num_words":75,"start":153.895,"end":179.70499},{"sentences":[{"text":"Now what happened was we were doing some research, and we found across all of the different insurance providers that Ascender, which used to be MLC, they're offering the the sort of best deal for the level of cover for you.","start":179.70499,"end":193.46,"sentiment":"neutral","sentiment_score":-0.04340725782804373},{"text":"And I had a bit of a limit there.","start":193.92,"end":195.68,"sentiment":"neutral","sentiment_score":-0.19054096109337276},{"text":"We were looking for a $100,000 worth of sort of medical expenses cover, but I put a limit of 40 to $50 a month, which we were just kind of throwing out as a bit of an estimate.","start":195.68,"end":206.72499,"sentiment":"neutral","sentiment_score":-0.2358468183757443},{"text":"Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document.","start":208.305,"end":215.845,"sentiment":"negative","sentiment_score":-0.42685554176568985},{"text":"What I have included, if you scroll through that appendix, you should see the table of contents, a risk profile table, some disclaimers for two pages after that.","start":218.31999,"end":229.06,"sentiment":"neutral","sentiment_score":-0.030096559519214288}],"sentiment":"neutral","sentiment_score":-0.1681712999141642,"num_words":140,"start":179.70499,"end":229.06},{"sentences":[{"text":"You'll see some PDF links for all these little blue links for the different investment options, some returns methodology, and then we've got three quotes at the back of the appendix.","start":229.61499,"end":240.75499,"sentiment":"neutral","sentiment_score":0.01722421974784905},{"text":"So just so you've got them there, the first one is in order to make it a bit cheaper, we put together life insurance alongside the trauma cover.","start":242.67,"end":252.43,"sentiment":"neutral","sentiment_score":0.0947028324007988},{"text":"It's just a little bit of a trick where you link them together and it makes it cheaper.","start":252.43,"end":255.81,"sentiment":"neutral","sentiment_score":0.14121196419000626},{"text":"The first one is for the 100,000.","start":256.595,"end":258.855,"sentiment":"neutral","sentiment_score":0.04919859447649547},{"text":"I did include two alternative quotes here.","start":259.395,"end":262.515,"sentiment":"neutral","sentiment_score":0.05131660234266227}],"sentiment":"neutral","sentiment_score":0.07067089947868026,"num_words":91,"start":229.61499,"end":262.515},{"sentences":[{"text":"One for 75,000, one for 50,000, and it kind of drops through.","start":262.515,"end":268.695,"sentiment":"neutral","sentiment_score":-0.14533194589118162},{"text":"The 50,000 came out to be $31.21 and $8.83, which is $40 a month for 50,000.","start":269.57,"end":278.47,"sentiment":"neutral","sentiment_score":-0.0564486775547266},{"text":"So I wanted to just kinda leave that with you and say, hey.","start":280.05002,"end":282.705,"sentiment":"neutral","sentiment_score":-0.01548434249483622},{"text":"I haven't recommended it because the amount that we were after for the price we're after is not it's about twice as much, but I have just given a few step down quoting case.","start":282.78497,"end":292.22498,"sentiment":"neutral","sentiment_score":-0.13699960529886404},{"text":"It was that important that you still wanted to look at it.","start":292.22498,"end":294.72,"sentiment":"neutral","sentiment_score":0.02146665503581365}],"sentiment":"neutral","sentiment_score":-0.08332006165211828,"num_words":87,"start":262.515,"end":294.72},{"sentences":[{"text":"K.","start":298.4,"end":298.88,"sentiment":"neutral","sentiment_score":0.020844442769885063},{"text":"So any thoughts on that at the moment?","start":298.88,"end":300.88,"sentiment":"neutral","sentiment_score":0.031406867783516645},{"text":"Are you happy to kind of skip past that one today?","start":300.88,"end":303.62,"sentiment":"neutral","sentiment_score":0.07408008622852238},{"text":"Do you want me to look at going for some of the lower amounts?","start":303.76,"end":306.58,"sentiment":"neutral","sentiment_score":-0.03407140315643379},{"text":"Yep.","start":314.435,"end":314.935,"sentiment":"neutral","sentiment_score":0.13029974699020386}],"sentiment":"neutral","sentiment_score":0.021150869610054152,"num_words":35,"start":298.4,"end":314.935},{"sentences":[{"text":"Yeah.","start":328.52002,"end":328.92,"sentiment":"neutral","sentiment_score":0.06822868436574936},{"text":"Yep.","start":328.92,"end":329.42,"sentiment":"neutral","sentiment_score":0.14573176205158234},{"text":"Yeah.","start":343.135,"end":343.635,"sentiment":"neutral","sentiment_score":0.13730326294898987},{"text":"Absolutely.","start":343.695,"end":344.195,"sentiment":"neutral","sentiment_score":0.1884496510028839},{"text":"So what I'll do is at the moment, we're just gonna keep your existing, like, life, TPD, and income protection in place, and we're not gonna have trauma cover at the moment.","start":344.255,"end":353.69,"sentiment":"neutral","sentiment_score":0.058480745647102594}],"sentiment":"neutral","sentiment_score":0.06697492280768023,"num_words":36,"start":328.52002,"end":353.69},{"sentences":[{"text":"If we need to revisit it in twelve months, I can redo some quotes.","start":353.83002,"end":357.21,"sentiment":"neutral","sentiment_score":0.022085327388984815},{"text":"Perfect.","start":359.43,"end":359.93,"sentiment":"positive","sentiment_score":0.47246718406677246},{"text":"Now if you can grab up the actually, give this one a go for me.","start":360.185,"end":364.20502,"sentiment":"neutral","sentiment_score":0.2518529703219732},{"text":"In that email, there is, like, a purple sign here button, and it's gonna bring up the main statement of advice for you.","start":364.42502,"end":371.48502,"sentiment":"neutral","sentiment_score":0.1208672160687654},{"text":"That's okay.","start":376.19998,"end":377.18,"sentiment":"neutral","sentiment_score":0.14637596905231476}],"sentiment":"neutral","sentiment_score":0.13876644054597073,"num_words":55,"start":353.83002,"end":377.18},{"sentences":[{"text":"Yep.","start":379.56,"end":379.8,"sentiment":"neutral","sentiment_score":0.1445208191871643},{"text":"So it should pop up with, like, an authorization for electronic consent.","start":379.8,"end":385.41998,"sentiment":"neutral","sentiment_score":0.16742819671829542},{"text":"But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold Coast view.","start":385.595,"end":391.83502,"sentiment":"neutral","sentiment_score":0.20637412848217146},{"text":"Can you see that?","start":391.83502,"end":392.815,"sentiment":"neutral","sentiment_score":0.14020803943276405},{"text":"Perfect.","start":394.795,"end":395.11502,"sentiment":"neutral","sentiment_score":0.19854754209518433}],"sentiment":"neutral","sentiment_score":0.18894596689421198,"num_words":46,"start":379.56,"end":395.11502},{"sentences":[{"text":"So let's just go for a scroll together.","start":395.11502,"end":396.635,"sentiment":"neutral","sentiment_score":0.13528108410537243},{"text":"Don't click any buttons or sign anything.","start":396.635,"end":398.55502,"sentiment":"neutral","sentiment_score":-0.08084220891552311},{"text":"We're just gonna go through and see if it's comfortable with the plan.","start":398.55502,"end":401.28,"sentiment":"neutral","sentiment_score":0.21883575159769791},{"text":"So it's got my license details on the front.","start":401.36,"end":403.7,"sentiment":"neutral","sentiment_score":0.2282353854841656},{"text":"You scroll through past there.","start":403.84,"end":405.28,"sentiment":"neutral","sentiment_score":0.13740575909614564}],"sentiment":"neutral","sentiment_score":0.14529441062006213,"num_words":42,"start":395.11502,"end":405.28},{"sentences":[{"text":"We've got the best interest duty, which is, you know, we need to make recommendations to achieve your goals, leave you at a better position.","start":405.28,"end":412.58,"sentiment":"positive","sentiment_score":0.3977650034427643},{"text":"We've got table of contents.","start":413.2,"end":414.9,"sentiment":"neutral","sentiment_score":0.1499315470457077},{"text":"And can you go down to page four, the scope of advice?","start":414.96,"end":422.055,"sentiment":"neutral","sentiment_score":0.09425728178272645},{"text":"No worries.","start":430.45,"end":431.27002,"sentiment":"neutral","sentiment_score":0.13014718145132065},{"text":"And that can be a bit tricky on the phones and everything too.","start":431.41,"end":434.07,"sentiment":"neutral","sentiment_score":-0.1632863644223947}],"sentiment":"neutral","sentiment_score":0.17477968119476972,"num_words":57,"start":405.28,"end":434.07},{"sentences":[{"text":"And you should see a nice blue heading.","start":439.97,"end":441.99,"sentiment":"neutral","sentiment_score":0.29449286311864853},{"text":"Scope of advice considered.","start":442.37,"end":443.83002,"sentiment":"neutral","sentiment_score":0.06491686590015888},{"text":"Cool.","start":452.045,"end":452.365,"sentiment":"positive","sentiment_score":0.5397243499755859},{"text":"So, again, scope of advice, we're just listing all the goals and areas of advice.","start":452.365,"end":456.145,"sentiment":"neutral","sentiment_score":0.31454149484634397},{"text":"We've got the super at the top with the retirement goal.","start":456.20502,"end":458.69,"sentiment":"neutral","sentiment_score":0.3257501098242673}],"sentiment":"neutral","sentiment_score":0.2937617525458336,"num_words":39,"start":439.97,"end":458.69},{"sentences":[{"text":"That's what we're focusing on at the moment, estate planning.","start":458.69,"end":462.07,"sentiment":"neutral","sentiment_score":0.21544545590877534},{"text":"If you go on the next page, I've got the full explanation of the insurances, which is basically keep what you've got in place.","start":462.29,"end":469.19,"sentiment":"neutral","sentiment_score":0.10850329417735338},{"text":"We did consider some trauma cover, but didn't recommend it and just provided those alternative quotes there as well.","start":469.495,"end":475.995,"sentiment":"neutral","sentiment_score":-0.07152893511872542},{"text":"And if you go past there, what's not in this document as far as advice goes is we're not giving you budgeting and debt management advice because, obviously, you're already settling into your new cash flow position.","start":477.735,"end":489.43997,"sentiment":"neutral","sentiment_score":-0.18892415894849882},{"text":"We've got the employer contributions and everything.","start":490.21997,"end":493.91998,"sentiment":"neutral","sentiment_score":-0.051994496690375466}],"sentiment":"neutral","sentiment_score":-0.0407698093385426,"num_words":97,"start":458.69,"end":493.91998},{"sentences":[{"text":"And in terms of purchasing a house in the next few years, that's kind of a future goal you're working towards.","start":494.53998,"end":500.925,"sentiment":"neutral","sentiment_score":0.11189360987572443},{"text":"Perfect.","start":503.54498,"end":504.04498,"sentiment":"positive","sentiment_score":0.5031262636184692},{"text":"Now if you go down, we've got your about you section on pages seven and eight, which has your details and your assets and liabilities.","start":504.185,"end":513.485,"sentiment":"neutral","sentiment_score":0.12000342935323716},{"text":"So quick reminder, we had the combined income of 95,000, but that's split between the two different employers, one that you're kind of invoicing as a sole trader and one that's a bit more part time.","start":514.11,"end":527.01,"sentiment":"neutral","sentiment_score":-0.018749736042486295},{"text":"Yep.","start":528.54504,"end":529.04504,"sentiment":"neutral","sentiment_score":0.2365653365850449}],"sentiment":"neutral","sentiment_score":0.06445896004637082,"num_words":84,"start":494.53998,"end":529.04504},{"sentences":[{"text":"Perfect.","start":529.505,"end":530.005,"sentiment":"positive","sentiment_score":0.6065584421157837},{"text":"We got the two cars, the savings, the bicycle, and I have made a note of the Forestry New Zealand, but it's not currently, like, transferred across and in possession at the moment.","start":530.065,"end":540.325,"sentiment":"neutral","sentiment_score":0.12477498704736883},{"text":"So I've just made a note of it, but I haven't included the address yet.","start":540.42,"end":543.88,"sentiment":"neutral","sentiment_score":0.03365075054268042},{"text":"Yep.","start":549.45996,"end":549.95996,"sentiment":"neutral","sentiment_score":-0.05654691904783249},{"text":"Yeah.","start":561.765,"end":562.265,"sentiment":"negative","sentiment_score":-0.3440778851509094}],"sentiment":"neutral","sentiment_score":0.09467195036510627,"num_words":51,"start":529.505,"end":562.265},{"sentences":[{"text":"Yep.","start":610.315,"end":610.635,"sentiment":"neutral","sentiment_score":-0.05883916839957237},{"text":"Yep.","start":610.635,"end":611.135,"sentiment":"neutral","sentiment_score":-0.058931514620780945},{"text":"Yeah.","start":615.35504,"end":615.755,"sentiment":"neutral","sentiment_score":-0.053583282977342606},{"text":"And it's pretty common in Australia as well.","start":615.755,"end":617.995,"sentiment":"neutral","sentiment_score":-0.05784314824268222},{"text":"There was all the rage back in 2015 where there was a lot of forestry lots going in investments, and most of them went fairly up.","start":617.995,"end":626.42,"sentiment":"neutral","sentiment_score":-0.17718584147783425}],"sentiment":"neutral","sentiment_score":-0.1416467846044012,"num_words":37,"start":610.315,"end":626.42},{"sentences":[{"text":"I think one of them got a couple of lots actually chopped down and investors paid, but it was just a big big hoover over here as well.","start":626.42,"end":634.99506,"sentiment":"negative","sentiment_score":-0.3341395588857787},{"text":"Yep.","start":652.67,"end":653.17,"sentiment":"neutral","sentiment_score":0.020237669348716736},{"text":"Yeah.","start":682.705,"end":683.025,"sentiment":"neutral","sentiment_score":-0.1185849756002426},{"text":"So it's probably gonna be quite a few months of back and forth and legals and all the rest of it, won't it?","start":683.025,"end":689.365,"sentiment":"neutral","sentiment_score":-0.0684423130005598},{"text":"Yeah.","start":692.145,"end":692.645,"sentiment":"neutral","sentiment_score":0.07817478477954865}],"sentiment":"neutral","sentiment_score":-0.20278246980160475,"num_words":54,"start":626.42,"end":692.645},{"sentences":[{"text":"Totally fair.","start":692.705,"end":693.745,"sentiment":"neutral","sentiment_score":0.1589847169816494},{"text":"And yep.","start":693.745,"end":701.91003,"sentiment":"neutral","sentiment_score":0.22290801629424095},{"text":"That's a positive rather than head in the sand kind of thing, and it's just being ignored.","start":705.33,"end":709.635,"sentiment":"neutral","sentiment_score":0.06943485600983396},{"text":"So at least there's some movement.","start":709.635,"end":711.335,"sentiment":"neutral","sentiment_score":0.10881168643633525},{"text":"Yeah.","start":712.755,"end":713.255,"sentiment":"neutral","sentiment_score":0.09010139107704164}],"sentiment":"neutral","sentiment_score":0.0959696260147861,"num_words":28,"start":692.705,"end":713.255},{"sentences":[{"text":"Yeah.","start":713.955,"end":714.455,"sentiment":"neutral","sentiment_score":0.08549311012029648},{"text":"Yeah.","start":737.025,"end":737.525,"sentiment":"neutral","sentiment_score":0.08532170951366425},{"text":"Well, hopefully, that bears some fruit.","start":738.945,"end":740.805,"sentiment":"neutral","sentiment_score":0.235381710032622},{"text":"Ignore the pun, sorry, for the next twelve months or so when something good comes out of it.","start":741.425,"end":745.925,"sentiment":"neutral","sentiment_score":-0.05858555932839712},{"text":"And one other thing I wanted to ask you as well sorry.","start":748.35,"end":750.99,"sentiment":"neutral","sentiment_score":-0.013929639787723621}],"sentiment":"neutral","sentiment_score":0.009510771959627929,"num_words":38,"start":713.955,"end":750.99},{"sentences":[{"text":"Go.","start":750.99,"end":751.49,"sentiment":"neutral","sentiment_score":-0.026210881769657135},{"text":"Yes.","start":764.04504,"end":764.28503,"sentiment":"neutral","sentiment_score":0.03959465771913528},{"text":"Yes.","start":764.28503,"end":764.78503,"sentiment":"neutral","sentiment_score":0.04923767969012261},{"text":"Yeah.","start":776.45,"end":776.95,"sentiment":"neutral","sentiment_score":0.04365149885416031},{"text":"Yeah.","start":806.97504,"end":807.47504,"sentiment":"neutral","sentiment_score":0.026260916143655777}],"sentiment":"neutral","sentiment_score":0.026506774127483368,"num_words":5,"start":750.99,"end":807.47504},{"sentences":[{"text":"Okay.","start":811.455,"end":811.93506,"sentiment":"neutral","sentiment_score":0.07918110489845276},{"text":"Yeah.","start":811.93506,"end":812.09503,"sentiment":"neutral","sentiment_score":0.096190944314003},{"text":"Yeah.","start":812.09503,"end":812.335,"sentiment":"neutral","sentiment_score":0.13651379942893982},{"text":"A bit of invest first, get that building, and then it'll help you get in.","start":812.335,"end":816.575,"sentiment":"neutral","sentiment_score":0.1590656151374181},{"text":"So that's an interesting idea.","start":816.575,"end":818.11505,"sentiment":"neutral","sentiment_score":0.3146353781223297}],"sentiment":"neutral","sentiment_score":0.18569769418757895,"num_words":23,"start":811.455,"end":818.11505},{"sentences":[{"text":"Cool.","start":823.88,"end":824.2,"sentiment":"positive","sentiment_score":0.6393612623214722},{"text":"Best of luck, and I I hope I get some good news from that way as well.","start":824.2,"end":827.33997,"sentiment":"positive","sentiment_score":0.7209638918147367},{"text":"It'd be nice to to jump in sooner rather than later as well.","start":827.56,"end":830.77997,"sentiment":"positive","sentiment_score":0.528621283861307},{"text":"Cool.","start":834.905,"end":835.305,"sentiment":"positive","sentiment_score":0.3528582453727722},{"text":"So I've still got the goals listed for the next, say, one to five years as it being the focus, you know, trying to get into the kind of property side of things.","start":835.305,"end":843.005,"sentiment":"neutral","sentiment_score":0.19029954346743497}],"sentiment":"positive","sentiment_score":0.40616257374103254,"num_words":65,"start":823.88,"end":843.005},{"sentences":[{"text":"I wanted to ask you about in terms of the contributions to Super.","start":844.43,"end":848.85,"sentiment":"neutral","sentiment_score":0.0463813988921734},{"text":"We were just doing a bit of a projection based on what's coming through from one of the employers.","start":850.19,"end":855.89,"sentiment":"neutral","sentiment_score":0.015667023578364598},{"text":"I'm just wondering if you had any developments in terms of, like, the invoicing, the cash flow, and everything.","start":856.125,"end":861.105,"sentiment":"neutral","sentiment_score":0.017296969351407728},{"text":"Do you want me to do anything for next financial year with regards to evening out the contributions between the two incomes?","start":861.405,"end":869.185,"sentiment":"neutral","sentiment_score":0.008130388588390568},{"text":"Okay.","start":900.76996,"end":901.26996,"sentiment":"neutral","sentiment_score":0.03029520995914936}],"sentiment":"neutral","sentiment_score":0.019438348786049598,"num_words":74,"start":844.43,"end":901.26996},{"sentences":[{"text":"Yeah.","start":923.99,"end":924.39,"sentiment":"neutral","sentiment_score":0.1514054536819458},{"text":"So for that actually works out pretty well.","start":924.39,"end":926.55,"sentiment":"neutral","sentiment_score":0.29310318641364574},{"text":"So I've based some of these projections on just an estimate, like, long term to show that if you were getting contributions on both sources.","start":926.55,"end":934.575,"sentiment":"neutral","sentiment_score":0.13749460339546205},{"text":"If anything changes, just, you know, update us next year, but never eventually so I can always update things.","start":935.275,"end":940.895,"sentiment":"neutral","sentiment_score":0.034033583183037605},{"text":"Cool.","start":942.875,"end":943.275,"sentiment":"positive","sentiment_score":0.615959644317627}],"sentiment":"neutral","sentiment_score":0.13326284730875934,"num_words":54,"start":923.99,"end":943.275},{"sentences":[{"text":"So if you have a little scroll down past your assets, you'll see the hub linked insurances and the risk profile of the growth on page ten and eleven.","start":943.275,"end":954.13,"sentiment":"neutral","sentiment_score":0.0713325022751915},{"text":"So, again, growth for the super, we've got that four out of five on the risk scale, around about 80% growth assets like shares, property, and gold.","start":956.59,"end":965.845,"sentiment":"neutral","sentiment_score":0.1043612475472468},{"text":"We're not going anything high risk than that.","start":966.14496,"end":968.565,"sentiment":"negative","sentiment_score":-0.3734720777720213},{"text":"And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations.","start":969.265,"end":975.285,"sentiment":"neutral","sentiment_score":0.02468029749782189},{"text":"And this is kind of where we go over, like, the best interest duties, why we're doing what we're doing.","start":977.97,"end":982.45,"sentiment":"neutral","sentiment_score":-0.00027465345337986965}],"sentiment":"neutral","sentiment_score":0.022997882251984604,"num_words":107,"start":943.275,"end":982.45},{"sentences":[{"text":"And then under that, there's, like, a whole table of advantages and disadvantages.","start":982.45,"end":986.07,"sentiment":"neutral","sentiment_score":-0.05863457817870837},{"text":"So the way I can kind of summarize it for you is we're just updating a few investments within the super, trying to get rid of that one that was underperforming, which was that Ben along Australian shares, if that rings a bell.","start":986.85,"end":1000.965,"sentiment":"neutral","sentiment_score":0.04325424087082231},{"text":"Perfect.","start":1002.82,"end":1003.32,"sentiment":"positive","sentiment_score":0.6481614708900452},{"text":"So when we looked at all the comparisons, so we're replacing it with a pretty new passive low fee option, and we've got the investment fee down.","start":1003.45996,"end":1014.04,"sentiment":"neutral","sentiment_score":0.23526330043872198},{"text":"We've got the returns up much higher.","start":1014.32495,"end":1016.985,"sentiment":"positive","sentiment_score":0.5126709384577615}],"sentiment":"neutral","sentiment_score":0.12842472519848372,"num_words":91,"start":982.45,"end":1016.985},{"sentences":[{"text":"And, basically, the whole long and short of it is we're projecting a a lot better outcome over the next five to ten years.","start":1017.285,"end":1024.185,"sentiment":"neutral","sentiment_score":0.2563396819556753},{"text":"And then once you get a tiny bit closer, we're gonna start doing a retirement analysis.","start":1024.485,"end":1031.36,"sentiment":"neutral","sentiment_score":0.11016394477337599},{"text":"So once you're less than ten years away, we're gonna show, okay.","start":1032.06,"end":1035.5,"sentiment":"neutral","sentiment_score":0.14803917768100897},{"text":"This is where you're gonna get to.","start":1035.5,"end":1037.2001,"sentiment":"neutral","sentiment_score":0.20503841127668107},{"text":"How long is that gonna last according to your, like, retirement goal?","start":1037.42,"end":1041.92,"sentiment":"neutral","sentiment_score":0.14275022596120834}],"sentiment":"neutral","sentiment_score":0.1808382705063887,"num_words":71,"start":1017.285,"end":1041.92},{"sentences":[{"text":"And do we need to adjust things, you know, reduce your risk levels down or bump anything up to kind of keep you on track for retirement?","start":1042.215,"end":1050.635,"sentiment":"neutral","sentiment_score":0.14191614312154274},{"text":"Now if you look at the table underneath that advantages and disadvantages, basically, we're echoes the same thing.","start":1053.1749,"end":1059.89,"sentiment":"neutral","sentiment_score":-0.011318386842807135},{"text":"There's no point, like, changing super funds because there's been no real major changes in terms of the fees or the features of Hub.","start":1060.4299,"end":1067.63,"sentiment":"neutral","sentiment_score":-0.09781863059227665},{"text":"It still has all of those investment options that we need.","start":1067.63,"end":1070.445,"sentiment":"neutral","sentiment_score":0.28190547092394397},{"text":"So we just use what was within Hub because they've got the most options.","start":1070.445,"end":1073.6649,"sentiment":"neutral","sentiment_score":0.31999856659344267}],"sentiment":"neutral","sentiment_score":0.09426912637625603,"num_words":94,"start":1042.215,"end":1073.6649},{"sentences":[{"text":"The disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6.","start":1074.605,"end":1088.89,"sentiment":"neutral","sentiment_score":-0.2593504260693278},{"text":"Whenever you buy ETF, which is how we get the investment fees so low, there's a brokerage fee upfront, which is like 0.11%, minimum, like, $11.","start":1091.91,"end":1104.145,"sentiment":"neutral","sentiment_score":0.2840243744162413},{"text":"That helps you buy the ETFs.","start":1104.205,"end":1105.885,"sentiment":"positive","sentiment_score":0.45065345366795856},{"text":"And then from that point forward, they're kind of the lowest fee investments going forward.","start":1105.885,"end":1110.145,"sentiment":"positive","sentiment_score":0.5345908025900523},{"text":"So not too much of a drawback there, a little bit of a purchase, tiny bit of tax.","start":1112.22,"end":1116.64,"sentiment":"neutral","sentiment_score":-0.07335768764217694}],"sentiment":"neutral","sentiment_score":0.07709713205695153,"num_words":100,"start":1074.605,"end":1116.64},{"sentences":[{"text":"And if you go all the way down, the main details I wanted to show you were on pages 15.","start":1117.1,"end":1123.6,"sentiment":"neutral","sentiment_score":0.1283440187573433},{"text":"You should see a really big table of investments with a lot of, like, red and green text showing will be by themselves.","start":1124.205,"end":1131.265,"sentiment":"neutral","sentiment_score":0.19842467521843704},{"text":"So the main thing I wanted to point out here, Faye, if you can look at the right hand column, you should see a column called target weight, and you can see all these percentages there.","start":1133.4049,"end":1143.76,"sentiment":"neutral","sentiment_score":0.12008102155394024},{"text":"Some nice round figures, the seven, the zero, the 10.","start":1143.76,"end":1146.4,"sentiment":"neutral","sentiment_score":0.2708421140909195},{"text":"Can you see all that?","start":1146.4,"end":1147.62,"sentiment":"neutral","sentiment_score":0.10525761842727661}],"sentiment":"neutral","sentiment_score":0.1562582331293441,"num_words":94,"start":1117.1,"end":1147.62},{"sentences":[{"text":"Basically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down.","start":1149.775,"end":1158.3351,"sentiment":"neutral","sentiment_score":0.16531975908825794},{"text":"We just wanna bring everything back to the middle, and that bet along is being sold out.","start":1158.3351,"end":1163.3301,"sentiment":"neutral","sentiment_score":0.24003938629346736},{"text":"And if you look at the very bottom of the table, you should see there the beta shares Australia 200, and that is your low fee replacement of the bet along.","start":1163.39,"end":1175.475,"sentiment":"neutral","sentiment_score":0.22929149577694555},{"text":"And so that reduces the investment fee on that option from 0.9 to 0.2.","start":1177.7949,"end":1184.855,"sentiment":"neutral","sentiment_score":0.3034412222249167},{"text":"So it's quite a lot cheaper, and the performance has just been out of this world kind of thing.","start":1185.235,"end":1190.63,"sentiment":"positive","sentiment_score":0.6071434534694019}],"sentiment":"neutral","sentiment_score":0.294669360773904,"num_words":105,"start":1149.775,"end":1190.63},{"sentences":[{"text":"So if you go down a bit further, you'll see a pie chart on page 17.","start":1190.63,"end":1196.49,"sentiment":"neutral","sentiment_score":0.03206338488962501},{"text":"That's the asset allocation.","start":1196.87,"end":1198.41,"sentiment":"neutral","sentiment_score":0.05048953648656607},{"text":"Now all I wanna point out on this pie chart is if you can make out the figures, the very middle row of that table says growth total, and it kind of goes 80%, eighty one seventy nine.","start":1204.7749,"end":1216.65,"sentiment":"neutral","sentiment_score":0.049243530895757046},{"text":"Can you see that in the middle?","start":1216.65,"end":1218.03,"sentiment":"neutral","sentiment_score":0.028577042211379324},{"text":"So that's that growth total we were talking about, the 8020 split, and it's just showing that we're kind of maintaining that across the board.","start":1219.93,"end":1227.4501,"sentiment":"neutral","sentiment_score":0.18216468304395675}],"sentiment":"neutral","sentiment_score":0.08155980944219562,"num_words":90,"start":1190.63,"end":1227.4501},{"sentences":[{"text":"The risk profile is 80%.","start":1227.4501,"end":1229.29,"sentiment":"neutral","sentiment_score":0.039826090633869174},{"text":"You're currently in 81.","start":1229.29,"end":1230.765,"sentiment":"neutral","sentiment_score":0.04799356870353222},{"text":"When we rebalance everything, it was sitting at about 79, and that's kind of right on target.","start":1230.845,"end":1236.9451,"sentiment":"neutral","sentiment_score":0.1619433449471698},{"text":"Last two bits of details here.","start":1240.205,"end":1241.905,"sentiment":"neutral","sentiment_score":0.0575709268450737},{"text":"Fee comparison on the next page, that just shows you that we factored in, like, the capital gains tax, the estimated contributions on both income just as a bit of an ideal scenario, and the investment fee difference on the right.","start":1242.525,"end":1258.745,"sentiment":"neutral","sentiment_score":0.06808939412599657}],"sentiment":"neutral","sentiment_score":0.08604427825098168,"num_words":73,"start":1227.4501,"end":1258.745},{"sentences":[{"text":"Bottom of that table shows you the performance difference.","start":1259.205,"end":1261.945,"sentiment":"neutral","sentiment_score":0.08566812632812394},{"text":"So it goes on the five years from just under 11% to just over 12%, which may not seem like much.","start":1262.725,"end":1270.38,"sentiment":"neutral","sentiment_score":0.05333391168997401},{"text":"But if you look on the next page, it's got a bit of an impact of projections there for you.","start":1270.38,"end":1276.3201,"sentiment":"neutral","sentiment_score":0.04730126215144992},{"text":"And just a bit of a switch out, another 10 to 30,000 over the next five to ten years, and we're predicting that you're gonna go and clear 300,000 over the next decade.","start":1278.2201,"end":1288.825,"sentiment":"neutral","sentiment_score":0.3122168950962298},{"text":"Okay?","start":1291.525,"end":1292.025,"sentiment":"neutral","sentiment_score":0.27124273777008057}],"sentiment":"neutral","sentiment_score":0.15966012858830037,"num_words":84,"start":1259.205,"end":1292.025},{"sentences":[{"text":"Performance underneath that, it's just really consistent.","start":1292.645,"end":1295.7849,"sentiment":"positive","sentiment_score":0.5242034282003131},{"text":"Having a 20% return for the last twelve months is really big for a growth fund.","start":1296.77,"end":1301.83,"sentiment":"positive","sentiment_score":0.6214023754000664},{"text":"Normally, we're aiming for that eight to 9% average, like I was saying during the review.","start":1302.2899,"end":1307.11,"sentiment":"neutral","sentiment_score":0.29511845856904984},{"text":"If we can keep it at those high double digits, that's gonna be really good, but we're still basing things on that benchmark.","start":1307.49,"end":1314.5549,"sentiment":"positive","sentiment_score":0.4372362338978311},{"text":"So that's pretty much it for most of the strategies.","start":1317.735,"end":1320.2949,"sentiment":"neutral","sentiment_score":0.25301551148295404}],"sentiment":"positive","sentiment_score":0.4294492477137182,"num_words":72,"start":1292.645,"end":1320.2949},{"sentences":[{"text":"The rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience.","start":1320.2949,"end":1328.38,"sentiment":"neutral","sentiment_score":0.058812175000853395},{"text":"But that's pretty much it for the super.","start":1330.6,"end":1332.94,"sentiment":"neutral","sentiment_score":0.30699387192726135},{"text":"Switch the investments around, get the fees down, get the performance up a little bit, and we're not doing anything with the insurances at the moment.","start":1333.08,"end":1340.725,"sentiment":"neutral","sentiment_score":0.13558774151337835},{"text":"So does all that make sense?","start":1340.725,"end":1342.565,"sentiment":"neutral","sentiment_score":0.16213681300481161},{"text":"Do you have any questions for me?","start":1342.565,"end":1344.105,"sentiment":"neutral","sentiment_score":0.04867404167141233}],"sentiment":"neutral","sentiment_score":0.11474549845090987,"num_words":81,"start":1320.2949,"end":1344.105},{"sentences":[{"text":"Definitely not through us.","start":1365.235,"end":1366.595,"sentiment":"neutral","sentiment_score":-0.17424412816762924},{"text":"I think the will side of things, you've got the three options I always go over with people is as lawyers, the public trustee of the state, or, you know, post office will kit, which they're not the best.","start":1366.595,"end":1379.83,"sentiment":"neutral","sentiment_score":-0.042384437580879494},{"text":"Yeah.","start":1401.68,"end":1402.0801,"sentiment":"neutral","sentiment_score":0.029010284692049023},{"text":"Yeah.","start":1402.0801,"end":1402.5801,"sentiment":"neutral","sentiment_score":0.023973099887371063},{"text":"And that caused some trouble too.","start":1420.415,"end":1422.255,"sentiment":"neutral","sentiment_score":-0.1971752072374026}],"sentiment":"neutral","sentiment_score":-0.06823602817980025,"num_words":51,"start":1365.235,"end":1422.255},{"sentences":[{"text":"And is that the same for the power of attorney?","start":1422.255,"end":1425.0399,"sentiment":"neutral","sentiment_score":-0.010038045793771743},{"text":"Like, if you were, you know, sick or injured, I guess, like, you can nominate each other there as well.","start":1425.4199,"end":1431.2799,"sentiment":"neutral","sentiment_score":-0.030318969488143922},{"text":"But that's a pretty good one to make sure that, you know, if you're in hospital, someone can access the bank account and talk to the doctors as well as the will.","start":1431.6599,"end":1442.625,"sentiment":"neutral","sentiment_score":0.03550826176069677},{"text":"And there's no trusted friends or anything or anyone that you would trust to put in there?","start":1443.285,"end":1448.985,"sentiment":"neutral","sentiment_score":-0.03700105950017186},{"text":"And can I double check with you too?","start":1457.7,"end":1459.46,"sentiment":"neutral","sentiment_score":0.03340672340709716}],"sentiment":"neutral","sentiment_score":0.0007786241884546718,"num_words":87,"start":1422.255,"end":1459.46},{"sentences":[{"text":"So with the public trustee, were they kind of maybe executor of the will and that just caused a lot of headaches?","start":1459.46,"end":1466.635,"sentiment":"neutral","sentiment_score":-0.2795056057247249},{"text":"Yeah.","start":1504.1699,"end":1504.6699,"sentiment":"neutral","sentiment_score":-0.20422273874282837},{"text":"Yeah.","start":1522.585,"end":1523.065,"sentiment":"neutral","sentiment_score":-0.06748037040233612},{"text":"I know in Australia, there's those situations where the public trust that you can take a decent amount to execute everything as well.","start":1523.065,"end":1531.68,"sentiment":"neutral","sentiment_score":-0.029678908257704716},{"text":"So it pays to kind of be careful with with who you link on to everything in the estate.","start":1532.06,"end":1537.28,"sentiment":"neutral","sentiment_score":-0.0638113153216086}],"sentiment":"neutral","sentiment_score":-0.12599782297161943,"num_words":66,"start":1459.46,"end":1537.28},{"sentences":[{"text":"Yeah.","start":1546.4751,"end":1546.9751,"sentiment":"neutral","sentiment_score":-0.2662714421749115},{"text":"Yeah.","start":1555.5299,"end":1556.0299,"sentiment":"neutral","sentiment_score":-0.11920958757400511},{"text":"Definitely probably gonna be something to talk to a lawyer about at the moment even if it's just that discovery type meeting to give you some ideas and then kinda go from there.","start":1556.1699,"end":1565.87,"sentiment":"neutral","sentiment_score":-0.05192003297534856},{"text":"Cool.","start":1571.8451,"end":1572.005,"sentiment":"neutral","sentiment_score":0.3123623728752136},{"text":"Yeah.","start":1572.005,"end":1572.505,"sentiment":"neutral","sentiment_score":0.2526247501373291}],"sentiment":"neutral","sentiment_score":-0.04145554040332098,"num_words":37,"start":1546.4751,"end":1572.505},{"sentences":[{"text":"Definitely a few things on the to do list between everything in NZ, the estate.","start":1573.365,"end":1577.785,"sentiment":"positive","sentiment_score":0.33372180461883544},{"text":"Everything on this end for the super thing is nice and simple.","start":1578.58,"end":1581.3799,"sentiment":"positive","sentiment_score":0.5764402647813162},{"text":"We'll just balance things and look after it and and then check-in with you to see how everything's going.","start":1581.3799,"end":1587.72,"sentiment":"neutral","sentiment_score":0.26829889181413147},{"text":"Say, the only thing I wanted to let you know as well is when you go through for this document, first of all, are you comfortable with the the strategy?","start":1591.065,"end":1600.505,"sentiment":"neutral","sentiment_score":0.18331760118405024},{"text":"Are you happy to to go ahead with them?","start":1600.505,"end":1602.57,"sentiment":"positive","sentiment_score":0.509552839729521}],"sentiment":"neutral","sentiment_score":0.31889756216722376,"num_words":85,"start":1573.365,"end":1602.57},{"sentences":[{"text":"Yep.","start":1604.8899,"end":1605.3899,"sentiment":"neutral","sentiment_score":0.22196845710277557},{"text":"When you go through to do the Odoo signing, I always include a little bit of a text box because you have the ability to vary the recommendations if there's something that you need to change.","start":1605.85,"end":1616.6699,"sentiment":"neutral","sentiment_score":0.17869730707671908},{"text":"So if you're happy with just doing the investment switch as I've outlined, just type in NA in the box because it may not let you skip past there without putting something in the box.","start":1617.195,"end":1627.695,"sentiment":"neutral","sentiment_score":0.2251618089420455},{"text":"K?","start":1630.73,"end":1630.97,"sentiment":"neutral","sentiment_score":0.13778039813041687},{"text":"It does include the service agreement from the annual review after the statement of advice, and there's also a tax file number of declaration form, which if you remember that one is kind of just making sure we still have your consent to hold that number because it is so important.","start":1630.97,"end":1648.895,"sentiment":"neutral","sentiment_score":0.2059544269360748}],"sentiment":"neutral","sentiment_score":0.2030418628766652,"num_words":124,"start":1604.8899,"end":1648.895},{"sentences":[{"text":"Cool.","start":1652.075,"end":1652.475,"sentiment":"positive","sentiment_score":0.45827051997184753},{"text":"Do you want me to leave you with that one?","start":1652.475,"end":1653.835,"sentiment":"neutral","sentiment_score":0.2053257554769516},{"text":"Do you want me to kind of stay online as you go through the the buttons there just to make sure I do make sense for you?","start":1653.835,"end":1660.14,"sentiment":"neutral","sentiment_score":0.18848925166659886},{"text":"Yeah.","start":1669.895,"end":1670.215,"sentiment":"neutral","sentiment_score":0.133676677942276},{"text":"And if it's up to you, like, you can stamp the signature on there, or if you click on the signature, you can draw it so it matches your ID.","start":1670.215,"end":1678.075,"sentiment":"neutral","sentiment_score":0.1466459833085537}],"sentiment":"neutral","sentiment_score":0.1758520876367887,"num_words":69,"start":1652.075,"end":1678.075},{"sentences":[{"text":"For us, either one is fine.","start":1678.615,"end":1680.955,"sentiment":"neutral","sentiment_score":0.1302342414855957},{"text":"It's just some product providers prefer it to match the the ID, but we don't have any product documents to sign to that.","start":1681.29,"end":1688.67,"sentiment":"neutral","sentiment_score":0.07119569117608278},{"text":"Yep.","start":1702.0249,"end":1702.1849,"sentiment":"neutral","sentiment_score":0.11449311673641203},{"text":"And then it'll give you after the validation button, it'll give you a pop up with a signed copy for yourself.","start":1702.1849,"end":1709.1799,"sentiment":"neutral","sentiment_score":0.19674656717550187},{"text":"But if you need to get one, like, on your email, just let the team let the team know, and we can send it through to you.","start":1709.32,"end":1715.9,"sentiment":"neutral","sentiment_score":0.19544776611857945}],"sentiment":"neutral","sentiment_score":0.15310470587932146,"num_words":78,"start":1678.615,"end":1715.9},{"sentences":[{"text":"Yep.","start":1719.735,"end":1719.975,"sentiment":"neutral","sentiment_score":0.3197181820869446},{"text":"That's come through all good.","start":1719.975,"end":1721.575,"sentiment":"positive","sentiment_score":0.5190979361534118},{"text":"Do you have any final questions for me before I let you go?","start":1721.575,"end":1724.395,"sentiment":"neutral","sentiment_score":0.13234328134701803},{"text":"Cool.","start":1727.895,"end":1728.135,"sentiment":"positive","sentiment_score":0.8247703313827515},{"text":"Faye.","start":1728.135,"end":1728.455,"sentiment":"positive","sentiment_score":0.6099302768707275}],"sentiment":"neutral","sentiment_score":0.28906529183898655,"num_words":21,"start":1719.735,"end":1728.455},{"sentences":[{"text":"So from here, I'll give this to the team tomorrow.","start":1728.455,"end":1731.015,"sentiment":"neutral","sentiment_score":0.26340246200561523},{"text":"We'll get going on the investment switches, and then we've just got the usual bookings like annual reviews and things like that.","start":1731.015,"end":1737.9199,"sentiment":"neutral","sentiment_score":0.21929827705025673},{"text":"If anything else pops up, please just give us a call, and we can book in for a an updated chat.","start":1738.38,"end":1744.72,"sentiment":"neutral","sentiment_score":0.15844324621416273},{"text":"Alrighty.","start":1747.595,"end":1748.075,"sentiment":"positive","sentiment_score":0.66966712474823},{"text":"Best of luck with the property group, and, hopefully, talk to you again soon.","start":1748.075,"end":1751.943,"sentiment":"positive","sentiment_score":0.617515389408384}],"sentiment":"neutral","sentiment_score":0.29559966856065917,"num_words":68,"start":1728.455,"end":1751.943},{"sentences":[{"text":"No worries at all, Faye.","start":1754.983,"end":1755.943,"sentiment":"positive","sentiment_score":0.4298500299453735},{"text":"Anytime.","start":1755.943,"end":1756.443,"sentiment":"positive","sentiment_score":0.44008076190948486},{"text":"Talk to you soon.","start":1756.503,"end":1757.483,"sentiment":"positive","sentiment_score":0.35670924186706543},{"text":"Yes.","start":1760.583,"end":1760.903,"sentiment":"neutral","sentiment_score":0.2186662256717682},{"text":"Bye.","start":1760.903,"end":1761.403,"sentiment":"neutral","sentiment_score":-0.11732801795005798}],"sentiment":"positive","sentiment_score":0.34312550723552704,"num_words":12,"start":1754.983,"end":1761.403}]}}]},{"alternatives":[{"transcript":"Hi. Faith speaking. Hi. Good. Yourself? Yep. No worries. Sorry. There's a little bit of background noise in just clothing blinds to try and keep the house a little bit warmer. Yep. Yep. Okay. All good. Mhmm. Yep. So date of birth is the eleventh of the first seventy two. And I think I've given the new address, which is 22 Lasing Crescent, Oxford. Cool. Yeah. Yep. Mhmm. Yep. Yep. Alrighty. Okay. Yep. That's coming through. Mhmm. Yep. Yep. Yep. Yep. It's all good. Yep. Yep. Yep. Yep. Yep. Mhmm. Yeah. Yep. Yep. Yes. Yep. Okay. I think we'll probably leave it. Yeah. I think we'll leave it as is because, yeah, it's I I wouldn't want to drop that benefit amount, obviously. That's that's that's more more or less the most important part of it. So and once we're in our own place again, I'd probably wanna increase the life cover benefit amount anyway. So yeah. Yep. Yep. Okay. Mhmm. So get back to the email. So click on the sign document. Yep. Yeah. Yeah. I've got that. Mhmm. Thank you for alright. I should've stayed on my computer for this. That's alright. Okay. Yep. One name now. Mhmm. Yep. Cool. Mhmm. Yeah. Yep. Mhmm. Yep. Yep. That's right. Yep. Yep. Yeah. Been in further discussion with my father about that. So it seems that it's not just assets or, you know, him that is affected by it. There's a lot of unhappy investors over there at the moment. And he said that one one investor was suggesting that they speak to a lawyer about it and see, you know I guess it'll be a class action. I'm not sure. But to get all the investors on board with that. So yeah. And the last that he said was the the plantation that he's got and the second one that they purchased for us. You know, the the Green Plains company is still stalling when it comes to when the trees are actually gonna be harvested, when essentially they should be harvested now. So, yeah, we're just in limbo at the moment. Yeah. My father said that there's been a few other investment companies or whatnot that had started up around about the same time that have that have all folded. So this one has been operating for a long time, and and some some investors have already had a return. Like, their trees had been harvested in the last couple of years. But it for some reason, now everything's just been delayed and sort of a a lot of excuses being said from Green Plan themselves. So we yeah. Yep. Yeah. It looks to be that way. But yeah. But it's good. Yeah. They're obviously I'm able to communicate with my father about it now. And yeah. Yeah. Hopefully, we'll have yeah. Yep. Yeah. Because he he knows our position now in Australia, you know, that we wanna be able to buy our own place again or yeah. Just sort of start preparing for for the future, and so he wants to just sort of see what he can do in that that regard, how he can help. So yeah. Yeah. Hopefully. We're actually oh, sorry. Yeah. We're actually gonna have a meeting as well with you've probably heard them because they do a bit of advertising, Propel Property. Yeah. I was gonna was just talking to them the other day and I'm gonna meet with them Sunday morning just to have a a what they call a discovery meeting, just to sort of see what they do and yeah. Sort of I've, you know, I've been thinking about that. I've seen a lot of people sort of advising that if if you're in a position where you can invest first in high growth areas, you know, and try and gain some equity in the properties that way, then that helps towards being purchasing our own property. So it's sort of doing it the other way around to what you traditionally do. So yeah. Yeah. Yep. So can I meet with them on Saturday morning and have a chat? Yeah. Yeah. Yep. I wanna see what they say. Yeah. Mhmm. Mhmm. I'll have to have a think about that because when I started with the bookkeeping firm down here and and contracting, the initial discussion with the owner was that after a three month trial period that he would discuss putting me actually as a permanent employee because that was yeah. Obviously, when I first started, it was one of my questions. It's like, am I going to get paid super? And he said no because you'll be contracting to us. But after that three month period, to look at going is permanent. So I'll have to have a chat to him if that's still going to be, you know, the offer there. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Okay. Mhmm. Yep. Mhmm. Yep. Okay. Yes. Yep. Yep. Yep. Uh-huh. Yeah. Yep. Yep. Okay. Uh-huh. Okay. Mhmm. Yeah. Yep. Okay. Mhmm. Yep. Mhmm. Yep. Yep. Yeah. Yep. Okay. Yep. No. Not really any questions. Yeah. I think it all looks really good. In redoing our will, Is that possible through you guys? Okay. Yeah. Yeah. Yeah. It's a tricky one because, I mean, both my husband and I are only children. So sort of, you know I guess now that our daughter is 21, it's not so much of an issue because we don't have to worry about, you know, a guardian for her and that sort of thing. But, yeah, just just the executor and things like that is a little bit tricky for us to work out what we do in that situation, and that's sort of why we went just with the the public trustee in New Zealand for our original wills. Yeah. Yep. Yeah. I'll have to go There is, but we definitely have it checked to them first, obviously. So yeah. Oh, we haven't, like because we haven't really done anything with our wheels that we set up when we're back in NZ. I mean, yeah, that's when we were we were homeowners over there as well. So, yeah, they they definitely need to be updated. But, no, it's it was more a case of knowing that, you know, those that have appointed you know, gone and set their wills up to a public trustee, it's caused a lot of problems when, you know, when that person passes or when both both partners pass away. It's yeah. It's it's apparently not not been a great experience for people and and has ended up costing them costing those people a lot of money that have had to try and manage things. Yeah. Yeah. Yeah. Yeah. No. It's just yeah. The feedback with public trustees has just not been good. So I think we have to seriously look at how we set it up again and and, yeah, do it in a much better way. Yeah. Yeah. Yep. Okay. I should put that on the to do list. Yeah. Yeah. Okay. That sounds really good. Yeah. Yep. Okay. Yep. Yep. Yep. Okay. I think that that'll be alright. Yeah. The digital signing part of it, I usually have no issues with. So just checking that Scott statement. Yep. Yeah. Okay. Now I think that's all done. I just got her up to the last page. So let's put the date and everything in there. Oops. Now I've gone too little. Yep. K. No. That should be fine. No. No. All good. Thank you. Yep. Yep. Okay. Wonderful. Yeah. Thanks very much for your time. Okay. 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Faith speaking. Hi. Good. Yourself?\n\nYep. No worries. Sorry. There's a little bit of background noise in just clothing blinds to try and keep the house a little bit warmer. Yep.\n\nYep. Okay. All good. Mhmm. Yep.\n\nSo date of birth is the eleventh of the first seventy two. And I think I've given the new address, which is 22 Lasing Crescent, Oxford. Cool. Yeah. Yep.\n\nMhmm. Yep. Yep. Alrighty. Okay.\n\nYep. That's coming through. Mhmm. Yep. Yep.\n\nYep. Yep. It's all good. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Yeah.\n\nYep. Yep. Yes. Yep. Okay.\n\nI think we'll probably leave it. Yeah. I think we'll leave it as is because, yeah, it's I I wouldn't want to drop that benefit amount, obviously. That's that's that's more more or less the most important part of it. So and once we're in our own place again, I'd probably wanna increase the life cover benefit amount anyway.\n\nSo yeah. Yep. Yep. Okay. Mhmm.\n\nSo get back to the email. So click on the sign document. Yep. Yeah. Yeah.\n\nI've got that. Mhmm. Thank you for alright. I should've stayed on my computer for this. That's alright.\n\nOkay. Yep. One name now. Mhmm. Yep.\n\nCool. Mhmm. Yeah. Yep. Mhmm.\n\nYep. Yep. That's right. Yep. Yep.\n\nYeah. Been in further discussion with my father about that. So it seems that it's not just assets or, you know, him that is affected by it. There's a lot of unhappy investors over there at the moment. And he said that one one investor was suggesting that they speak to a lawyer about it and see, you know I guess it'll be a class action.\n\nI'm not sure. But to get all the investors on board with that. So yeah. And the last that he said was the the plantation that he's got and the second one that they purchased for us. You know, the the Green Plains company is still stalling when it comes to when the trees are actually gonna be harvested, when essentially they should be harvested now.\n\nSo, yeah, we're just in limbo at the moment. Yeah. My father said that there's been a few other investment companies or whatnot that had started up around about the same time that have that have all folded. So this one has been operating for a long time, and and some some investors have already had a return. Like, their trees had been harvested in the last couple of years.\n\nBut it for some reason, now everything's just been delayed and sort of a a lot of excuses being said from Green Plan themselves. So we yeah. Yep. Yeah. It looks to be that way.\n\nBut yeah. But it's good. Yeah. They're obviously I'm able to communicate with my father about it now. And yeah.\n\nYeah. Hopefully, we'll have yeah. Yep. Yeah. Because he he knows our position now in Australia, you know, that we wanna be able to buy our own place again or yeah.\n\nJust sort of start preparing for for the future, and so he wants to just sort of see what he can do in that that regard, how he can help. So yeah. Yeah. Hopefully. We're actually oh, sorry.\n\nYeah. We're actually gonna have a meeting as well with you've probably heard them because they do a bit of advertising, Propel Property. Yeah. I was gonna was just talking to them the other day and I'm gonna meet with them Sunday morning just to have a a what they call a discovery meeting, just to sort of see what they do and yeah. Sort of I've, you know, I've been thinking about that.\n\nI've seen a lot of people sort of advising that if if you're in a position where you can invest first in high growth areas, you know, and try and gain some equity in the properties that way, then that helps towards being purchasing our own property. So it's sort of doing it the other way around to what you traditionally do. So yeah. Yeah. Yep.\n\nSo can I meet with them on Saturday morning and have a chat? Yeah. Yeah. Yep. I wanna see what they say.\n\nYeah. Mhmm. Mhmm. I'll have to have a think about that because when I started with the bookkeeping firm down here and and contracting, the initial discussion with the owner was that after a three month trial period that he would discuss putting me actually as a permanent employee because that was yeah. Obviously, when I first started, it was one of my questions.\n\nIt's like, am I going to get paid super? And he said no because you'll be contracting to us. But after that three month period, to look at going is permanent. So I'll have to have a chat to him if that's still going to be, you know, the offer there. Yep.\n\nMhmm. Yep. Mhmm. Yep. Mhmm.\n\nOkay. Mhmm. Yep. Mhmm. Yep.\n\nOkay. Yes. Yep. Yep. Yep.\n\nUh-huh. Yeah. Yep. Yep. Okay.\n\nUh-huh. Okay. Mhmm. Yeah. Yep.\n\nOkay. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yeah. Yep. Okay. Yep.\n\nNo. Not really any questions. Yeah. I think it all looks really good. In redoing our will, Is that possible through you guys?\n\nOkay. Yeah. Yeah. Yeah. It's a tricky one because, I mean, both my husband and I are only children.\n\nSo sort of, you know I guess now that our daughter is 21, it's not so much of an issue because we don't have to worry about, you know, a guardian for her and that sort of thing. But, yeah, just just the executor and things like that is a little bit tricky for us to work out what we do in that situation, and that's sort of why we went just with the the public trustee in New Zealand for our original wills. Yeah. Yep. Yeah.\n\nI'll have to go There is, but we definitely have it checked to them first, obviously. So yeah. Oh, we haven't, like because we haven't really done anything with our wheels that we set up when we're back in NZ. I mean, yeah, that's when we were we were homeowners over there as well. So, yeah, they they definitely need to be updated.\n\nBut, no, it's it was more a case of knowing that, you know, those that have appointed you know, gone and set their wills up to a public trustee, it's caused a lot of problems when, you know, when that person passes or when both both partners pass away. It's yeah. It's it's apparently not not been a great experience for people and and has ended up costing them costing those people a lot of money that have had to try and manage things. Yeah. Yeah.\n\nYeah. Yeah. No. It's just yeah. The feedback with public trustees has just not been good.\n\nSo I think we have to seriously look at how we set it up again and and, yeah, do it in a much better way. Yeah. Yeah. Yep. Okay.\n\nI should put that on the to do list. Yeah. Yeah. Okay. That sounds really good.\n\nYeah. Yep. Okay. Yep. Yep.\n\nYep. Okay. I think that that'll be alright. Yeah. The digital signing part of it, I usually have no issues with.\n\nSo just checking that Scott statement. Yep. Yeah. Okay. Now I think that's all done.\n\nI just got her up to the last page. So let's put the date and everything in there. Oops. Now I've gone too little. Yep.\n\nK. No. That should be fine. No. No.\n\nAll good. Thank you. Yep. Yep. Okay.\n\nWonderful. Yeah. Thanks very much for your time. Okay. See you later.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.96,"end":1.12,"sentiment":"neutral","sentiment_score":0.06366278231143951},{"text":"Faith speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.05362473987042904},{"text":"Hi.","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.18257054686546328},{"text":"Good.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.32648777961730957},{"text":"Yourself?","start":7.44,"end":7.94,"sentiment":"neutral","sentiment_score":0.2685951888561249}],"sentiment":"neutral","sentiment_score":0.15809429623186588,"num_words":6,"start":0.96,"end":7.94},{"sentences":[{"text":"Yep.","start":14.585,"end":14.825,"sentiment":"neutral","sentiment_score":0.045505911111831665},{"text":"No worries.","start":14.825,"end":15.385,"sentiment":"neutral","sentiment_score":0.027658157981932163},{"text":"Sorry.","start":15.385,"end":15.705,"sentiment":"neutral","sentiment_score":-0.0631542056798935},{"text":"There's a little bit of background noise in just clothing blinds to try and keep the house a little bit warmer.","start":15.705,"end":23.325,"sentiment":"neutral","sentiment_score":-0.13989394796746119},{"text":"Yep.","start":33.29,"end":33.53,"sentiment":"neutral","sentiment_score":0.03848978132009506}],"sentiment":"neutral","sentiment_score":-0.11006211940772258,"num_words":26,"start":14.585,"end":33.53},{"sentences":[{"text":"Yep.","start":33.53,"end":34.03,"sentiment":"neutral","sentiment_score":0.04755778610706329},{"text":"Okay.","start":35.21,"end":35.69,"sentiment":"neutral","sentiment_score":0.09755603969097136},{"text":"All 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think we'll probably leave it.","start":311.04498,"end":312.99,"sentiment":"neutral","sentiment_score":-0.0035001824920376143},{"text":"Yeah.","start":319.78998,"end":320.19,"sentiment":"neutral","sentiment_score":0.11344720423221588},{"text":"I think we'll leave it as is because, yeah, it's I I wouldn't want to drop that benefit amount, obviously.","start":320.19,"end":326.91498,"sentiment":"neutral","sentiment_score":-0.015826305490918458},{"text":"That's that's that's more more or less the most important part of it.","start":328.57498,"end":332.35498,"sentiment":"neutral","sentiment_score":0.10369832469866826},{"text":"So and once we're in our own place again, I'd probably wanna increase the life cover benefit amount anyway.","start":333.055,"end":340.435,"sentiment":"neutral","sentiment_score":0.043534872955397555}],"sentiment":"neutral","sentiment_score":0.03307052214740444,"num_words":59,"start":311.04498,"end":340.435},{"sentences":[{"text":"So 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sorry.","start":748.83496,"end":752.355,"sentiment":"neutral","sentiment_score":-0.01543477177619934}],"sentiment":"neutral","sentiment_score":0.12951030464548813,"num_words":38,"start":725.99506,"end":752.355},{"sentences":[{"text":"Yeah.","start":752.355,"end":752.855,"sentiment":"neutral","sentiment_score":0.01294299215078354},{"text":"We're actually gonna have a meeting as well with you've probably heard them because they do a bit of advertising, Propel Property.","start":753.39496,"end":761.92004,"sentiment":"neutral","sentiment_score":0.02979727148671042},{"text":"Yeah.","start":765.02,"end":765.5,"sentiment":"neutral","sentiment_score":0.056139394640922546},{"text":"I was gonna was just talking to them the other day and I'm gonna meet with them Sunday morning just to have a a what they call a discovery meeting, just to sort of see what they do and yeah.","start":765.5,"end":779.745,"sentiment":"neutral","sentiment_score":0.06424926212057472},{"text":"Sort of I've, you know, I've been thinking about that.","start":780.28503,"end":785.27997,"sentiment":"neutral","sentiment_score":0.05431434251368046}],"sentiment":"neutral","sentiment_score":0.05186130093863687,"num_words":74,"start":752.355,"end":785.27997},{"sentences":[{"text":"I've seen a lot of people sort of advising that if if you're in a position where you can invest first in high growth areas, you know, and try and gain some equity in the properties that way, then that helps towards being purchasing our own property.","start":785.27997,"end":805.405,"sentiment":"neutral","sentiment_score":0.15305734869647533},{"text":"So it's sort of doing it the other way around to what you traditionally do.","start":805.945,"end":810.525,"sentiment":"neutral","sentiment_score":0.020970060924688973},{"text":"So yeah.","start":811.33,"end":817.51,"sentiment":"neutral","sentiment_score":0.19102097861468792},{"text":"Yeah.","start":818.61,"end":819.01,"sentiment":"neutral","sentiment_score":0.16701890528202057},{"text":"Yep.","start":819.01,"end":819.49,"sentiment":"neutral","sentiment_score":0.1589939296245575}],"sentiment":"neutral","sentiment_score":0.12448941052637318,"num_words":66,"start":785.27997,"end":819.49},{"sentences":[{"text":"So can I meet with them on Saturday morning and have a chat?","start":819.49,"end":822.79,"sentiment":"neutral","sentiment_score":0.13011346929348433},{"text":"Yeah.","start":827.575,"end":828.075,"sentiment":"positive","sentiment_score":0.47854700684547424},{"text":"Yeah.","start":831.015,"end":831.41504,"sentiment":"neutral","sentiment_score":0.1463789939880371},{"text":"Yep.","start":831.41504,"end":831.91504,"sentiment":"neutral","sentiment_score":0.1387790888547897},{"text":"I wanna see what they say.","start":832.055,"end":833.67505,"sentiment":"neutral","sentiment_score":0.12434795995553334}],"sentiment":"neutral","sentiment_score":0.14551217955621806,"num_words":22,"start":819.49,"end":833.67505},{"sentences":[{"text":"Yeah.","start":840.79,"end":841.29,"sentiment":"neutral","sentiment_score":0.10630448162555696},{"text":"Mhmm.","start":850.23,"end":850.4475,"sentiment":"neutral","sentiment_score":0.0148357842117548},{"text":"Mhmm.","start":850.4475,"end":850.665,"sentiment":"neutral","sentiment_score":0.01567532867193222},{"text":"I'll have to have a think about that because when I started with the bookkeeping firm down here and and contracting, the initial discussion with the owner was that after a three month trial period that he would discuss putting me actually as a permanent employee because that was yeah.","start":873.91003,"end":901.29,"sentiment":"neutral","sentiment_score":0.0070361451944336295},{"text":"Obviously, when I first started, it was one of my questions.","start":901.29,"end":904.08997,"sentiment":"neutral","sentiment_score":0.0018497124652970922}],"sentiment":"neutral","sentiment_score":0.007952651427331148,"num_words":64,"start":840.79,"end":904.08997},{"sentences":[{"text":"It's like, am I going to get paid super?","start":904.08997,"end":906.41504,"sentiment":"neutral","sentiment_score":-0.019449784627391234},{"text":"And he said no because you'll be contracting to us.","start":906.555,"end":909.53503,"sentiment":"neutral","sentiment_score":-0.02982969582080841},{"text":"But after that three month period, to look at going is permanent.","start":910.635,"end":915.53503,"sentiment":"neutral","sentiment_score":-0.01271854635948936},{"text":"So I'll have to have a chat to him if that's still going to be, you know, the offer there.","start":915.675,"end":922.89996,"sentiment":"neutral","sentiment_score":0.0396143845282495},{"text":"Yep.","start":941.225,"end":941.725,"sentiment":"positive","sentiment_score":0.44124600291252136}],"sentiment":"neutral","sentiment_score":0.011683963794404497,"num_words":52,"start":904.08997,"end":941.725},{"sentences":[{"text":"Mhmm.","start":950.8,"end":951.3,"sentiment":"neutral","sentiment_score":0.02454451099038124},{"text":"Yep.","start":954.88,"end":955.38,"sentiment":"neutral","sentiment_score":0.10873325169086456},{"text":"Mhmm.","start":966.29504,"end":966.79504,"sentiment":"neutral","sentiment_score":-0.09469251334667206},{"text":"Yep.","start":968.85504,"end":969.35504,"sentiment":"neutral","sentiment_score":0.02545865997672081},{"text":"Mhmm.","start":976.61505,"end":977.11505,"sentiment":"neutral","sentiment_score":0.01203436218202114}],"sentiment":"neutral","sentiment_score":0.01521565429866314,"num_words":5,"start":950.8,"end":977.11505},{"sentences":[{"text":"Okay.","start":987.04004,"end":987.54004,"sentiment":"neutral","sentiment_score":0.03391588479280472},{"text":"Mhmm.","start":991.185,"end":991.685,"sentiment":"neutral","sentiment_score":0.07534535229206085},{"text":"Yep.","start":997.3275,"end":997.8275,"sentiment":"neutral","sentiment_score":0.06816042959690094},{"text":"Mhmm.","start":1018.40497,"end":1018.90497,"sentiment":"neutral","sentiment_score":0.09263497591018675},{"text":"Yep.","start":1051.1951,"end":1051.515,"sentiment":"neutral","sentiment_score":0.12187151610851288}],"sentiment":"neutral","sentiment_score":0.07838563174009323,"num_words":5,"start":987.04004,"end":1051.515},{"sentences":[{"text":"Okay.","start":1051.515,"end":1052.015,"sentiment":"neutral","sentiment_score":0.0668569803237915},{"text":"Yes.","start":1068.04,"end":1068.54,"sentiment":"neutral","sentiment_score":0.2192278653383255},{"text":"Yep.","start":1089.51,"end":1090.01,"sentiment":"neutral","sentiment_score":0.16618221998214722},{"text":"Yep.","start":1127.9501,"end":1128.285,"sentiment":"neutral","sentiment_score":0.16530148684978485},{"text":"Yep.","start":1131.805,"end":1132.305,"sentiment":"neutral","sentiment_score":0.10667195171117784}],"sentiment":"neutral","sentiment_score":0.14484810084104538,"num_words":5,"start":1051.515,"end":1132.305},{"sentences":[{"text":"Uh-huh.","start":1142.365,"end":1142.85,"sentiment":"neutral","sentiment_score":0.07614262402057648},{"text":"Yeah.","start":1147.65,"end":1148.13,"sentiment":"neutral","sentiment_score":0.11281023919582368},{"text":"Yep.","start":1148.13,"end":1148.63,"sentiment":"neutral","sentiment_score":0.1600976139307022},{"text":"Yep.","start":1171.065,"end":1171.29,"sentiment":"neutral","sentiment_score":0.20966236293315887},{"text":"Okay.","start":1175.93,"end":1176.43,"sentiment":"neutral","sentiment_score":0.2150084376335144}],"sentiment":"neutral","sentiment_score":0.15474425554275512,"num_words":5,"start":1142.365,"end":1176.43},{"sentences":[{"text":"Uh-huh.","start":1185.37,"end":1185.87,"sentiment":"positive","sentiment_score":0.4220217764377594},{"text":"Okay.","start":1202.9401,"end":1203.4401,"sentiment":"neutral","sentiment_score":0.06419745087623596},{"text":"Mhmm.","start":1212.075,"end":1212.575,"sentiment":"neutral","sentiment_score":0.027765929698944092},{"text":"Yeah.","start":1218.075,"end":1218.475,"sentiment":"neutral","sentiment_score":0.08725455403327942},{"text":"Yep.","start":1218.475,"end":1218.975,"sentiment":"neutral","sentiment_score":0.14811061322689056}],"sentiment":"neutral","sentiment_score":0.1498700648546219,"num_words":5,"start":1185.37,"end":1218.975},{"sentences":[{"text":"Okay.","start":1237.49,"end":1237.99,"sentiment":"neutral","sentiment_score":0.08661897480487823},{"text":"Mhmm.","start":1250.175,"end":1250.675,"sentiment":"neutral","sentiment_score":0.04473484307527542},{"text":"Yep.","start":1255.88,"end":1256.38,"sentiment":"neutral","sentiment_score":0.09438764303922652},{"text":"Mhmm.","start":1274.9551,"end":1275.4551,"sentiment":"neutral","sentiment_score":0.04805632680654526},{"text":"Yep.","start":1276.635,"end":1277.135,"sentiment":"neutral","sentiment_score":0.2926393151283264}],"sentiment":"neutral","sentiment_score":0.11328742057085037,"num_words":5,"start":1237.49,"end":1277.135},{"sentences":[{"text":"Yep.","start":1289.48,"end":1289.98,"sentiment":"positive","sentiment_score":0.34048041701316833},{"text":"Yeah.","start":1306.17,"end":1306.67,"sentiment":"neutral","sentiment_score":0.32323676347732544},{"text":"Yep.","start":1315.29,"end":1315.79,"sentiment":"neutral","sentiment_score":0.22356665134429932},{"text":"Okay.","start":1315.8501,"end":1316.3501,"sentiment":"neutral","sentiment_score":0.1884315311908722},{"text":"Yep.","start":1329.255,"end":1329.755,"sentiment":"neutral","sentiment_score":0.19116944074630737}],"sentiment":"neutral","sentiment_score":0.25337696075439453,"num_words":5,"start":1289.48,"end":1329.755},{"sentences":[{"text":"No.","start":1347.965,"end":1348.365,"sentiment":"neutral","sentiment_score":-0.0877385288476944},{"text":"Not really any questions.","start":1348.365,"end":1349.645,"sentiment":"neutral","sentiment_score":-0.08471829257905483},{"text":"Yeah.","start":1349.645,"end":1349.765,"sentiment":"neutral","sentiment_score":0.20289112627506256},{"text":"I think it all looks really good.","start":1349.765,"end":1351.665,"sentiment":"positive","sentiment_score":0.5441093742847443},{"text":"In redoing our will, Is that possible through you guys?","start":1354.285,"end":1362.54,"sentiment":"neutral","sentiment_score":0.18337360061705113}],"sentiment":"neutral","sentiment_score":0.23559917622934218,"num_words":23,"start":1347.965,"end":1362.54},{"sentences":[{"text":"Okay.","start":1367.64,"end":1368.14,"sentiment":"neutral","sentiment_score":-0.023532219231128693},{"text":"Yeah.","start":1380.095,"end":1380.495,"sentiment":"neutral","sentiment_score":0.02535419724881649},{"text":"Yeah.","start":1380.495,"end":1380.995,"sentiment":"neutral","sentiment_score":0.027555538341403008},{"text":"Yeah.","start":1381.935,"end":1382.255,"sentiment":"neutral","sentiment_score":0.029649309813976288},{"text":"It's a tricky one because, I mean, both my husband and I are only children.","start":1382.255,"end":1386.515,"sentiment":"neutral","sentiment_score":-0.07776028588414192}],"sentiment":"neutral","sentiment_score":-0.05828302432047693,"num_words":19,"start":1367.64,"end":1386.515},{"sentences":[{"text":"So sort of, you know I guess now that our daughter is 21, it's not so much of an issue because we don't have to worry about, you know, a guardian for her and that sort of thing.","start":1386.735,"end":1400.38,"sentiment":"neutral","sentiment_score":0.0029184117325042423},{"text":"But, yeah, just just the executor and things like that is a little bit tricky for us to work out what we do in that situation, and that's sort of why we went just with the the public trustee in New Zealand for our original wills.","start":1403.0,"end":1419.27,"sentiment":"neutral","sentiment_score":-0.0466225912399671},{"text":"Yeah.","start":1438.525,"end":1439.025,"sentiment":"neutral","sentiment_score":0.04756123945116997},{"text":"Yep.","start":1440.285,"end":1440.785,"sentiment":"neutral","sentiment_score":0.06924883276224136},{"text":"Yeah.","start":1443.165,"end":1443.565,"sentiment":"neutral","sentiment_score":0.0635068491101265}],"sentiment":"neutral","sentiment_score":-0.021303708389422846,"num_words":87,"start":1386.735,"end":1443.565},{"sentences":[{"text":"I'll have to go There is, but we definitely have it checked to them first, obviously.","start":1443.565,"end":1455.9299,"sentiment":"neutral","sentiment_score":0.011162975803017616},{"text":"So yeah.","start":1457.6699,"end":1459.13,"sentiment":"neutral","sentiment_score":0.046605413779616356},{"text":"Oh, we haven't, like because we haven't really done anything with our wheels that we set up when we're back in NZ.","start":1468.025,"end":1476.8,"sentiment":"neutral","sentiment_score":-0.30795160274613986},{"text":"I mean, yeah, that's when we were we were homeowners over there as well.","start":1477.5,"end":1481.42,"sentiment":"neutral","sentiment_score":-0.2127084614975112},{"text":"So, yeah, they they definitely need to be updated.","start":1481.42,"end":1484.0,"sentiment":"neutral","sentiment_score":-0.27369798885451424}],"sentiment":"neutral","sentiment_score":-0.18959233620100552,"num_words":63,"start":1443.565,"end":1484.0},{"sentences":[{"text":"But, no, it's it was more a case of knowing that, you know, those that have appointed you know, gone and set their wills up to a public trustee, it's caused a lot of problems when, you know, when that person passes or when both both partners pass away.","start":1484.14,"end":1505.97,"sentiment":"neutral","sentiment_score":-0.31877220680519025},{"text":"It's yeah.","start":1505.97,"end":1507.4299,"sentiment":"negative","sentiment_score":-0.37693265080451965},{"text":"It's it's apparently not not been a great experience for people and and has ended up costing them costing those people a lot of money that have had to try and manage things.","start":1507.65,"end":1521.005,"sentiment":"negative","sentiment_score":-0.5072154249205734},{"text":"Yeah.","start":1528.11,"end":1528.61,"sentiment":"neutral","sentiment_score":-0.008079834282398224},{"text":"Yeah.","start":1528.67,"end":1529.17,"sentiment":"neutral","sentiment_score":-0.020067382603883743}],"sentiment":"negative","sentiment_score":-0.3853483683061461,"num_words":86,"start":1484.14,"end":1529.17},{"sentences":[{"text":"Yeah.","start":1537.87,"end":1538.27,"sentiment":"neutral","sentiment_score":-0.06905777752399445},{"text":"Yeah.","start":1538.27,"end":1538.59,"sentiment":"neutral","sentiment_score":-0.0984254628419876},{"text":"No.","start":1538.59,"end":1538.75,"sentiment":"neutral","sentiment_score":-0.27882248163223267},{"text":"It's just yeah.","start":1538.75,"end":1539.63,"sentiment":"neutral","sentiment_score":-0.2606856971979141},{"text":"The feedback with public trustees has just not been good.","start":1539.63,"end":1543.15,"sentiment":"negative","sentiment_score":-0.5159665107727051}],"sentiment":"negative","sentiment_score":-0.399251745082438,"num_words":16,"start":1537.87,"end":1543.15},{"sentences":[{"text":"So I think we have to seriously look at how we set it up again and and, yeah, do it in a much better way.","start":1543.15,"end":1554.075,"sentiment":"neutral","sentiment_score":-0.2720857411623001},{"text":"Yeah.","start":1565.59,"end":1566.09,"sentiment":"neutral","sentiment_score":0.03710499405860901},{"text":"Yeah.","start":1566.15,"end":1566.63,"sentiment":"neutral","sentiment_score":0.048587616533041},{"text":"Yep.","start":1566.63,"end":1567.13,"sentiment":"neutral","sentiment_score":0.06486284732818604},{"text":"Okay.","start":1567.765,"end":1568.265,"sentiment":"neutral","sentiment_score":0.10602617263793944}],"sentiment":"neutral","sentiment_score":-0.22570903098274922,"num_words":29,"start":1543.15,"end":1568.265},{"sentences":[{"text":"I should put that on the to do list.","start":1569.0449,"end":1570.985,"sentiment":"neutral","sentiment_score":0.14860490295622084},{"text":"Yeah.","start":1587.6001,"end":1587.92,"sentiment":"neutral","sentiment_score":0.1990192234516144},{"text":"Yeah.","start":1587.92,"end":1588.3201,"sentiment":"neutral","sentiment_score":0.2156205773353577},{"text":"Okay.","start":1588.3201,"end":1588.8201,"sentiment":"positive","sentiment_score":0.35460883378982544},{"text":"That sounds really good.","start":1590.0,"end":1591.54,"sentiment":"positive","sentiment_score":0.579331785440445}],"sentiment":"neutral","sentiment_score":0.2765012439340353,"num_words":16,"start":1569.0449,"end":1591.54},{"sentences":[{"text":"Yeah.","start":1602.8251,"end":1603.305,"sentiment":"neutral","sentiment_score":0.26704883575439453},{"text":"Yep.","start":1603.305,"end":1603.805,"sentiment":"neutral","sentiment_score":0.2452281415462494},{"text":"Okay.","start":1626.275,"end":1626.775,"sentiment":"neutral","sentiment_score":0.07543604075908661},{"text":"Yep.","start":1628.3551,"end":1628.8551,"sentiment":"neutral","sentiment_score":0.17963585257530212},{"text":"Yep.","start":1649.39,"end":1649.79,"sentiment":"neutral","sentiment_score":0.16499018669128418}],"sentiment":"neutral","sentiment_score":0.18646781146526337,"num_words":5,"start":1602.8251,"end":1649.79},{"sentences":[{"text":"Yep.","start":1649.79,"end":1650.19,"sentiment":"neutral","sentiment_score":0.1874035894870758},{"text":"Okay.","start":1650.19,"end":1650.69,"sentiment":"positive","sentiment_score":0.34074896574020386},{"text":"I think that that'll be alright.","start":1660.7151,"end":1662.3151,"sentiment":"neutral","sentiment_score":0.25627944618463516},{"text":"Yeah.","start":1662.3151,"end":1662.8151,"sentiment":"neutral","sentiment_score":0.24016709625720975},{"text":"The digital signing part of it, I usually have no issues with.","start":1663.71,"end":1668.03,"sentiment":"neutral","sentiment_score":0.2516825459897518}],"sentiment":"neutral","sentiment_score":0.25362794668901534,"num_words":21,"start":1649.79,"end":1668.03},{"sentences":[{"text":"So just checking that Scott statement.","start":1668.03,"end":1671.95,"sentiment":"neutral","sentiment_score":0.15802787244319916},{"text":"Yep.","start":1671.95,"end":1672.45,"sentiment":"neutral","sentiment_score":0.1608201265335083},{"text":"Yeah.","start":1688.785,"end":1689.285,"sentiment":"neutral","sentiment_score":0.1021054983139038},{"text":"Okay.","start":1689.345,"end":1689.845,"sentiment":"neutral","sentiment_score":0.1211160346865654},{"text":"Now I think that's all done.","start":1690.0651,"end":1691.505,"sentiment":"neutral","sentiment_score":0.18469747652610144}],"sentiment":"neutral","sentiment_score":0.1626929168899854,"num_words":15,"start":1668.03,"end":1691.505},{"sentences":[{"text":"I just got her up to the last page.","start":1691.505,"end":1694.385,"sentiment":"neutral","sentiment_score":0.1643099304702547},{"text":"So let's put the date and everything in there.","start":1694.385,"end":1700.54,"sentiment":"neutral","sentiment_score":0.09679201742013295},{"text":"Oops.","start":1701.0,"end":1701.48,"sentiment":"neutral","sentiment_score":-0.004214064683765173},{"text":"Now I've gone too little.","start":1701.48,"end":1703.1,"sentiment":"neutral","sentiment_score":0.09695985540747643},{"text":"Yep.","start":1716.025,"end":1716.505,"sentiment":"neutral","sentiment_score":0.09239301085472108}],"sentiment":"neutral","sentiment_score":0.11691583016887307,"num_words":25,"start":1691.505,"end":1716.505},{"sentences":[{"text":"K.","start":1716.505,"end":1716.825,"sentiment":"neutral","sentiment_score":0.05072072148323059},{"text":"No.","start":1716.825,"end":1717.145,"sentiment":"neutral","sentiment_score":0.06596839427947998},{"text":"That should be fine.","start":1717.145,"end":1718.285,"sentiment":"neutral","sentiment_score":0.2046184204518795},{"text":"No.","start":1724.585,"end":1724.905,"sentiment":"neutral","sentiment_score":-0.1936396062374115},{"text":"No.","start":1724.905,"end":1725.33,"sentiment":"neutral","sentiment_score":-0.0739910751581192}],"sentiment":"neutral","sentiment_score":0.08344151452183723,"num_words":8,"start":1716.505,"end":1725.33},{"sentences":[{"text":"All good.","start":1725.4099,"end":1725.8099,"sentiment":"positive","sentiment_score":0.8009707927703857},{"text":"Thank you.","start":1725.8099,"end":1730.07,"sentiment":"positive","sentiment_score":0.5471345111727715},{"text":"Yep.","start":1741.535,"end":1742.035,"sentiment":"neutral","sentiment_score":0.13823795318603516},{"text":"Yep.","start":1742.335,"end":1742.835,"sentiment":"neutral","sentiment_score":0.091769278049469},{"text":"Okay.","start":1743.135,"end":1743.635,"sentiment":"neutral","sentiment_score":0.11154439300298692}],"sentiment":"positive","sentiment_score":0.4339660331606865,"num_words":7,"start":1725.4099,"end":1743.635},{"sentences":[{"text":"Wonderful.","start":1747.375,"end":1747.875,"sentiment":"positive","sentiment_score":0.7730977535247803},{"text":"Yeah.","start":1751.9349,"end":1752.255,"sentiment":"positive","sentiment_score":0.4889750182628632},{"text":"Thanks very much for your time.","start":1752.255,"end":1753.7949,"sentiment":"positive","sentiment_score":0.8299237887064616},{"text":"Okay.","start":1757.6229,"end":1758.1229,"sentiment":"neutral","sentiment_score":0.2987481951713562},{"text":"See you later.","start":1758.423,"end":1759.2429,"sentiment":"positive","sentiment_score":0.3468793034553528}],"sentiment":"positive","sentiment_score":0.631750134130319,"num_words":12,"start":1747.375,"end":1759.2429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Faith speaking.\n\nChannel 0: Good evening, Faye. It's Tommy here, senior adviser from OQ. How are you doing?\n\nChannel 1: Hi. Good. Yourself?\n\nChannel 0: Doing fantastic. I'm just giving you a call to go through that updated advice document if you still have time.\n\nChannel 1: Yep. No worries. Sorry. There's a little bit of background noise in just clothing blinds to try and keep the house a little bit warmer.\n\nChannel 0: No. That's totally fine. I've got a few dogs barking around the place, and we're just doing a bit of work from home with a fuel crisis. So, likewise.\n\nChannel 1: Yep. Yep. Okay. All\n\nChannel 0: Now\n\nChannel 1: good.\n\nChannel 0: I'm going to email through this advice document. And just while you grab that up, could I please confirm\n\nChannel 1: Mhmm.\n\nChannel 0: your date of birth and address for security?\n\nChannel 1: Yep. So date of birth is the eleventh of the first seventy two. And I think I've given the new address, which is 22 Lasing Crescent, Oxford.\n\nChannel 0: Yep. Perfect. Thank you so much for that. And I registered\n\nChannel 1: Cool.\n\nChannel 0: with our speaker's adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Sensational. So this email is coming through to you now just to your Hotmail address.\n\nChannel 1: Mhmm.\n\nChannel 0: It's got a few product document attachments with it, which is a little bit large. It may take thirty seconds or so,\n\nChannel 1: Yep.\n\nChannel 0: but it should come through to my inbox now since that first email we did together.\n\nChannel 1: Yep. Alrighty.\n\nChannel 0: Now can you let me know when you've got that there? It should be a signature request from Oakview, and I've got a number of attachments at the bottom of the email rather than just clicking through that first link.\n\nChannel 1: Okay. Yep. That's coming through.\n\nChannel 0: Perfect. Now when you grab that, at the bottom with the attachment, the two main ones I wanted to go through with you to begin with, there is a statement of advice there, but there's also an SOA appendix. I'm just wondering if you could grab up that appendix for me first. It's got, like, a big forest mountain view picture on it.\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: Cool. And can you just let me know if the text is at all clear? Can you read it okay?\n\nChannel 1: Yep. Yep. It's all good.\n\nChannel 0: Perfect. So the main parts of advice that we were looking at was we're just updating some of the investments inside the super.\n\nChannel 1: Yep.\n\nChannel 0: A little bit of a reminder on the estate planning because of, obviously, wills and power of attorney in New Zealand and everything.\n\nChannel 1: Yep.\n\nChannel 0: And I did do some quotes for that trauma insurance. If you remember that trauma cover for, like, the heart attack, stroke, and cancer, does that ring a bell?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now what happened was we were doing some research, and we found across all of the different insurance providers that Ascender, which used to be MLC, they're offering the the sort of best deal for the level of cover for you. And I had a bit of a limit there. We were looking for a $100,000 worth of sort of medical expenses cover,\n\nChannel 1: Yep.\n\nChannel 0: but I put a limit of 40 to $50 a month, which we were just kind of throwing out as a bit of an estimate. Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: What I have included, if you scroll through that appendix, you should see the table of contents, a risk profile table, some disclaimers for two pages after that. You'll see some PDF links for all these little blue links for the different investment options, some returns methodology, and then we've got three quotes at the back of the appendix.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So just so you've got them there, the first one is in order to make it a bit cheaper, we put together life insurance alongside the trauma cover. It's just a\n\nChannel 1: Yes.\n\nChannel 0: little bit of a trick where you link them together and it makes it cheaper. The first one is for the 100,000. I did include two alternative quotes here. One for 75,000, one for 50,000, and it kind of drops through. The 50,000 came out to be $31.21 and $8.83, which is $40 a month for 50,000.\n\nChannel 1: Yep.\n\nChannel 0: So I wanted to just kinda leave that with you and say, hey. I haven't recommended it because the amount that we were after for the price we're after is not it's about twice as much, but I have just given a few step down quoting case. It was that important that you still wanted to look at it.\n\nChannel 1: Okay.\n\nChannel 0: K. So any thoughts on that at the moment? Are you happy to kind of skip past that one today? Do you want me to look at going for some of the lower amounts?\n\nChannel 1: I think we'll probably leave it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I think we'll leave it as is because, yeah, it's I I wouldn't want to drop that benefit amount, obviously.\n\nChannel 0: Yeah.\n\nChannel 1: That's that's\n\nChannel 0: Yep.\n\nChannel 1: that's more more or less the most important part of it. So and once we're in our own place again, I'd probably wanna increase the life cover benefit amount anyway. So\n\nChannel 0: Yeah. Absolutely. So what I'll do\n\nChannel 1: yeah.\n\nChannel 0: is at the moment, we're just gonna keep your existing, like, life, TPD, and income protection in place,\n\nChannel 1: Yep.\n\nChannel 0: and we're not gonna have trauma cover at the moment. If we need to revisit it in twelve months, I can redo some quotes.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. Now if you can grab up the actually, give this one a go for me. In\n\nChannel 1: Mhmm.\n\nChannel 0: that email, there is, like, a purple sign here button, and it's gonna bring up the main statement of advice for you.\n\nChannel 1: So get back to the email.\n\nChannel 0: That's okay.\n\nChannel 1: So click on the sign document.\n\nChannel 0: Yep. So it should\n\nChannel 1: Yep.\n\nChannel 0: pop up with, like, an authorization for electronic consent. But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold\n\nChannel 1: Yeah.\n\nChannel 0: Coast view. Can you see that?\n\nChannel 1: Yeah. I've got that.\n\nChannel 0: Perfect. So let's just go for a scroll together. Don't click any buttons or sign anything. We're just gonna go\n\nChannel 1: Mhmm.\n\nChannel 0: through and see if it's comfortable with the plan. So it's got my license details on the front. You scroll through past there. We've got the best interest duty, which is, you know, we need to make recommendations to achieve your goals, leave you at a better position. We've got table of contents.\n\nAnd can you go down to page four, the scope of\n\nChannel 1: Thank you for\n\nChannel 0: advice?\n\nChannel 1: alright. I should've stayed on my computer for this. That's alright.\n\nChannel 0: No worries. And that can be a bit tricky on the phones and everything too. And you should see a nice blue heading. Scope of advice considered.\n\nChannel 1: Okay. Yep. One name now.\n\nChannel 0: Cool. So, again, scope of advice, we're just listing all the goals and areas of advice. We've got the super at the top with the retirement goal. That's what we're focusing on at the moment, estate\n\nChannel 1: Mhmm.\n\nChannel 0: planning. If you go on the next page, I've got the full explanation of the insurances, which is basically keep what you've got in place. We did consider some trauma cover, but didn't recommend it and just provided those alternative quotes there as well.\n\nChannel 1: Yep. Cool.\n\nChannel 0: And if you go past there, what's not in this document as far as advice goes is we're not giving you budgeting and debt management advice because, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: you're already settling into your new cash flow position. We've got the employer contributions and everything. And in terms of purchasing a house in the next few years, that's kind of a future goal you're working towards.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. Now if you go down, we've got your about you section on pages seven and eight, which has\n\nChannel 1: Mhmm.\n\nChannel 0: your details and your assets and liabilities. So quick reminder, we had the\n\nChannel 1: Yep.\n\nChannel 0: combined income of 95,000, but that's split between the two different employers, one that you're kind of invoicing as a sole trader and one that's a bit more part time.\n\nChannel 1: Yep. That's right.\n\nChannel 0: Yep. Perfect. We got the two cars, the savings, the bicycle, and I have made a note of the Forestry New Zealand, but it's not currently, like, transferred across and in possession at the moment. So I've\n\nChannel 1: Yep.\n\nChannel 0: just made a note of it, but I haven't included the address yet.\n\nChannel 1: Yep. Yeah. Been in further discussion with my father about that. So\n\nChannel 0: Yep.\n\nChannel 1: it seems that it's not just assets or, you know, him that is affected by it. There's a lot of unhappy investors over there at the moment. And\n\nChannel 0: Yeah.\n\nChannel 1: he said that one one investor was suggesting that they speak to a lawyer about it and see, you know I guess it'll be a class action. I'm not sure. But to get all the investors on board with that. So yeah. And the last that he said was the the plantation that he's got and the second one that they purchased for us.\n\nYou know, the the Green Plains company is still stalling when it comes to when the trees are actually gonna be harvested, when essentially they should be harvested now.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So, yeah, we're just in limbo at the moment.\n\nChannel 0: Yeah. And it's pretty common in Australia as well. There was all the rage back in 2015 where there was a lot of forestry lots going in investments, and most of them went fairly up. I think one of them got a couple of lots actually chopped down and investors paid, but it was just a big big hoover over here as well.\n\nChannel 1: Yeah. My father said that there's been a few other investment companies or whatnot that had started up around about the same time that have that have all folded.\n\nChannel 0: Yep.\n\nChannel 1: So this one has been operating for a long time, and and some some investors have already had a return. Like, their trees had been harvested in the last couple of years. But it for some reason, now everything's just been delayed and sort of a a lot of excuses being said from Green Plan themselves.\n\nChannel 0: Yeah. So\n\nChannel 1: So\n\nChannel 0: it's\n\nChannel 1: we\n\nChannel 0: probably gonna\n\nChannel 1: yeah.\n\nChannel 0: be quite a few months of back and forth and legals and all the rest of it, won't\n\nChannel 1: Yep.\n\nChannel 0: it?\n\nChannel 1: Yeah. It looks to be that way.\n\nChannel 0: Yeah. Totally\n\nChannel 1: But\n\nChannel 0: fair.\n\nChannel 1: yeah.\n\nChannel 0: And\n\nChannel 1: But it's good. Yeah. They're obviously I'm able to communicate with my father about it now. And\n\nChannel 0: yep.\n\nChannel 1: yeah. Yeah. Hopefully,\n\nChannel 0: That's a\n\nChannel 1: we'll\n\nChannel 0: positive\n\nChannel 1: have\n\nChannel 0: rather than head in the sand kind of thing, and it's just being ignored. So at least there's some movement.\n\nChannel 1: yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: he he knows our position now in Australia, you know, that we wanna be able to buy our own place again or yeah. Just sort of start preparing for for the future, and so he wants to just sort of see what he can do in that that regard, how he can help.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Well, hopefully, that bears some fruit. Ignore the pun, sorry, for the next twelve months or so when something good comes out of it.\n\nChannel 1: Yeah. Hopefully.\n\nChannel 0: And one other\n\nChannel 1: We're\n\nChannel 0: thing\n\nChannel 1: actually\n\nChannel 0: I wanted to ask you as well sorry. Go.\n\nChannel 1: oh, sorry. Yeah. We're actually gonna have a meeting as well with you've probably heard them because they do a bit of advertising, Propel Property.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah. I was gonna was just talking to them the other day and I'm gonna meet with them Sunday morning just to have a a what they call a discovery meeting, just\n\nChannel 0: Yeah.\n\nChannel 1: to sort of see what they do and yeah. Sort of I've, you know, I've been thinking about that. I've seen a lot of people sort of advising that if if you're in a position where you can invest first in high growth areas, you know, and try and gain some equity in the properties that way, then that helps towards being purchasing our own property. So it's sort of doing\n\nChannel 0: Yeah.\n\nChannel 1: it the other way around to what you traditionally do. So\n\nChannel 0: Okay. Yeah. Yeah. A bit of invest first, get that building, and then it'll help you get in. So that's an\n\nChannel 1: yeah.\n\nChannel 0: interesting idea.\n\nChannel 1: Yeah. Yep. So can I meet with them on Saturday morning and have a chat?\n\nChannel 0: Cool. Best of luck, and I I hope I get some good news from that way as well. It'd\n\nChannel 1: Yeah.\n\nChannel 0: be nice to to jump in sooner rather than later as well.\n\nChannel 1: Yeah. Yep. I wanna see what they say.\n\nChannel 0: Cool. So I've still got the goals listed for the next, say, one to five years as it being the focus, you know, trying to get\n\nChannel 1: Yeah.\n\nChannel 0: into the kind of property side of things. I wanted to ask you about in terms of the contributions to Super. We\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: were just doing a bit of a projection based on what's coming through from one of the employers. I'm just wondering if you had any developments in terms of, like, the invoicing, the cash flow, and everything. Do you want me to do anything for next financial year with regards to evening out the contributions between the two incomes?\n\nChannel 1: I'll have to have a think about that because when I started with the bookkeeping firm down here and and contracting, the initial discussion with the owner was that after a three month trial period that he would discuss putting me actually as a permanent employee because that was\n\nChannel 0: Okay.\n\nChannel 1: yeah. Obviously, when I first started, it was one of my questions. It's like, am I going to get paid super? And he said no because you'll be contracting to us. But after that three month period, to look at going is permanent.\n\nSo I'll have to have a chat to him if that's still going to be, you know, the offer there.\n\nChannel 0: Yeah. So for that actually works out pretty well. So I've based some of these projections on just an estimate, like, long term to show that if you were getting contributions on both sources. If anything changes, just, you know, update us next year, but never eventually so I can always update things.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So if you have a little scroll down past your assets, you'll see the hub linked insurances and\n\nChannel 1: Mhmm.\n\nChannel 0: the risk profile of the growth on page ten and eleven.\n\nChannel 1: Yep.\n\nChannel 0: So, again, growth for the super, we've got that four out of five on the risk scale, around about 80% growth assets like shares, property, and gold. We're\n\nChannel 1: Mhmm.\n\nChannel 0: not going anything high risk than that.\n\nChannel 1: Yep.\n\nChannel 0: And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations.\n\nChannel 1: Mhmm.\n\nChannel 0: And this is kind of where we go over, like, the best interest duties, why we're doing what we're doing. And then under that, there's, like, a whole table of advantages and disadvantages. So\n\nChannel 1: Okay.\n\nChannel 0: the way I can kind of summarize it for you is\n\nChannel 1: Mhmm.\n\nChannel 0: we're just updating a few investments within the super, trying to get rid of that one that was underperforming,\n\nChannel 1: Yep.\n\nChannel 0: which was that Ben along Australian shares, if that rings a bell. Perfect. So when we looked at all the comparisons, so we're replacing it with a pretty new passive low fee option, and we've got the investment fee down. We've got the returns up much higher. And, basically, the\n\nChannel 1: Mhmm.\n\nChannel 0: whole long and short of it is we're projecting a a lot better outcome over the next five to ten years. And then once you get a tiny bit closer, we're gonna start doing a retirement analysis. So once you're less than ten years away, we're gonna show, okay. This is where you're gonna get to. How long is that gonna last according to your, like, retirement goal?\n\nAnd do we need to adjust things, you know, reduce your risk levels down or bump anything up to kind of keep you on track for retirement?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now if you look at the table underneath that advantages and disadvantages, basically, we're echoes the same thing. There's no point, like, changing super funds because there's been no real major changes in terms of the fees or the features of Hub. It still\n\nChannel 1: Yes.\n\nChannel 0: has all of those investment options that we need. So we just use what was within Hub because they've got the most options. The disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6.\n\nChannel 1: Yep.\n\nChannel 0: Whenever you buy ETF, which is how we get the investment fees so low, there's a brokerage fee upfront, which is like 0.11%, minimum, like, $11. That helps you buy the ETFs. And then from that point forward, they're kind of the lowest fee investments going forward. So not too much of a drawback there, a little bit of a purchase, tiny bit of tax. And if you go all the way down, the main details I wanted to show you were on pages 15.\n\nYou should see a really big table of investments with a lot\n\nChannel 1: Yep.\n\nChannel 0: of, like, red and green text showing will be by themselves.\n\nChannel 1: Yep.\n\nChannel 0: So the main thing I wanted to point out here, Faye, if you can look at the right hand column, you should see a column called target weight, and you can see\n\nChannel 1: Uh-huh.\n\nChannel 0: all these percentages there. Some nice round figures, the seven, the zero, the 10. Can you see all that?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Basically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down. We just wanna bring everything back to the middle, and that bet along is being sold out. And if you look at the very bottom of the table, you should see there the beta shares Australia 200,\n\nChannel 1: Yep.\n\nChannel 0: and that is your low fee replacement of the bet along.\n\nChannel 1: Okay.\n\nChannel 0: And so that reduces the investment fee on that option from 0.9 to 0.2. So\n\nChannel 1: Uh-huh.\n\nChannel 0: it's quite a lot cheaper, and the performance has just been out of this world kind of thing. So if you go down a bit further, you'll see a pie chart on page 17. That's the asset allocation.\n\nChannel 1: Okay.\n\nChannel 0: Now all I wanna point out on this pie chart is if you can make out the figures, the very middle row of that table says\n\nChannel 1: Mhmm.\n\nChannel 0: growth total, and it kind of goes 80%, eighty one seventy nine. Can you see that in the middle?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So that's that growth total we were talking about, the 8020 split, and it's just showing that we're kind of maintaining that across the board. The risk profile is 80%. You're currently in 81. When we rebalance everything, it was sitting at about 79, and that's kind of right on target.\n\nChannel 1: Okay.\n\nChannel 0: Last two bits of details here. Fee comparison on the next page, that just shows you that we factored in, like, the capital gains tax, the estimated\n\nChannel 1: Mhmm.\n\nChannel 0: contributions on both income just as a bit of an ideal scenario, and\n\nChannel 1: Yep.\n\nChannel 0: the investment fee difference on the right. Bottom of that table shows you the performance difference. So it goes on the five years from just under 11% to just over 12%, which may not seem like much. But if you look on the next page, it's got a bit of an impact of projections\n\nChannel 1: Mhmm.\n\nChannel 0: there for you.\n\nChannel 1: Yep.\n\nChannel 0: And just a bit of a switch out, another 10 to 30,000 over the next five to ten years, and we're predicting that you're gonna go and clear 300,000 over the next decade.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Performance underneath that, it's just really consistent. Having a 20% return for the last twelve months is really big for a growth fund. Normally, we're aiming for that eight to 9% average, like I was saying\n\nChannel 1: Yeah.\n\nChannel 0: during the review. If we can keep it at those high double digits, that's gonna be really good, but we're still basing things on that benchmark.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So that's pretty much it for most of the strategies. The rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience.\n\nChannel 1: Yep.\n\nChannel 0: But that's pretty much it for the super. Switch the investments around, get the fees down, get the performance up a little bit, and we're not doing anything with the insurances at the moment. So does all that make sense? Do you have any questions for me?\n\nChannel 1: No. Not really any questions. Yeah. I think it all looks really good. In redoing our will, Is that possible through you guys?\n\nChannel 0: Definitely not through us. I think the\n\nChannel 1: Okay.\n\nChannel 0: will side of things, you've got the three options I always go over with people is as lawyers, the public trustee of the state, or, you know, post office will kit, which they're not the best.\n\nChannel 1: Yeah. Yeah. Yeah. It's a tricky one because, I mean, both my husband and I are only children. So sort of, you know I guess now that our daughter is 21, it's not so much of an issue because we don't have to worry about, you know, a guardian for her and that sort of thing.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But, yeah, just just the executor and things like that is a little bit tricky for us to work out what we do in that situation, and that's sort of why we went just with the the public trustee in New Zealand for our original wills.\n\nChannel 0: And that caused some trouble too. And is that the same for the power of attorney? Like, if you were, you know, sick or injured, I guess, like, you can nominate each other there as well. But that's a pretty good one to make sure that, you know, if you're in hospital, someone can access the bank account and talk to the doctors as\n\nChannel 1: Yeah.\n\nChannel 0: well as\n\nChannel 1: Yep.\n\nChannel 0: the will.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: I'll\n\nChannel 0: there's\n\nChannel 1: have\n\nChannel 0: no\n\nChannel 1: to go\n\nChannel 0: trusted friends or anything or anyone that you would trust to put in there?\n\nChannel 1: There is, but we definitely have it checked to them first, obviously. So\n\nChannel 0: And can I double check\n\nChannel 1: yeah.\n\nChannel 0: with you too? So with the public trustee, were they kind of maybe executor of the will and that just caused a lot of headaches?\n\nChannel 1: Oh, we haven't, like because we haven't really done anything with our wheels that we set up when we're back in NZ. I mean, yeah, that's when we were we were homeowners over there as well. So, yeah, they they definitely need to be updated. But, no, it's it was more a case of knowing that, you know, those that have appointed you know, gone and set their wills up to a public trustee, it's caused a lot of problems when, you know, when that person passes or when both\n\nChannel 0: Yeah.\n\nChannel 1: both partners pass away. It's yeah. It's it's apparently not not been a great experience for people and and has ended up costing them costing those people a lot of money that have had to try and manage things.\n\nChannel 0: Yeah. I know in Australia, there's those situations where the public trust that you can take a decent\n\nChannel 1: Yeah.\n\nChannel 0: amount\n\nChannel 1: Yeah.\n\nChannel 0: to execute everything as well. So it pays to kind of be careful with with who you link on to everything in the estate.\n\nChannel 1: Yeah. Yeah. No. It's just yeah. The feedback with public trustees has just not been good.\n\nSo I\n\nChannel 0: Yeah.\n\nChannel 1: think we have to seriously look at how we set it up again and and, yeah, do it in a much better way.\n\nChannel 0: Yeah. Definitely probably gonna be something to talk to a lawyer about at the moment even if it's just that discovery type meeting to give you some ideas and then kinda go from there.\n\nChannel 1: Yeah. Yeah. Yep. Okay. I should put that on the to do list.\n\nChannel 0: Cool. Yeah. Definitely a few things on the to do list between everything in NZ, the estate. Everything on this end for the super thing is nice and simple. We'll just balance things and look after it and and then check-in with you to see how everything's going.\n\nChannel 1: Yeah. Yeah. Okay. That sounds really good.\n\nChannel 0: Say, the only thing I wanted to let you know as well is when you go through for this document, first of all, are you comfortable with the the strategy? Are you happy to to go ahead with them?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. When you go through to do the Odoo signing, I always include a little bit of a text box because you have the ability to vary the recommendations if there's something that you need to change. So if you're happy with just doing the investment switch as I've outlined, just type in NA in the box because it may not let you skip past there without putting\n\nChannel 1: Okay.\n\nChannel 0: something in the box.\n\nChannel 1: Yep.\n\nChannel 0: K? It does include the service agreement from the annual review after the statement of advice, and there's also a tax file number of declaration form, which if you remember that one is kind of just making sure we still have your consent to hold that number because it is so important.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Cool. Do you want me to leave you with that one? Do you want me to kind of stay online as you go through the the buttons there just to make sure I do make sense for you?\n\nChannel 1: I think that that'll be alright. Yeah. The digital signing part of it, I usually have no issues with. So just\n\nChannel 0: Yeah.\n\nChannel 1: checking that\n\nChannel 0: And if\n\nChannel 1: Scott\n\nChannel 0: it's up to you, like,\n\nChannel 1: statement. Yep.\n\nChannel 0: you can stamp the signature on there, or if you click on the signature, you can draw it so it matches your ID. For us, either one is fine. It's just some product providers prefer it to match the the ID, but we don't have any product documents to sign to that.\n\nChannel 1: Yeah. Okay. Now I think that's all done. I just got her up to the last page. So let's put the date and everything in there.\n\nOops. Now I've gone\n\nChannel 0: Yep. And then\n\nChannel 1: too little.\n\nChannel 0: it'll give you after the validation button, it'll give you a pop up with a signed copy for yourself. But if you need to get one, like, on your email, just let the team let the team know, and we can send it through to you.\n\nChannel 1: Yep. K. No. That should be fine.\n\nChannel 0: Yep. That's come through all good. Do you have any final questions for me before I let you go?\n\nChannel 1: No. No. All good. Thank\n\nChannel 0: Cool. Faye. So from here, I'll\n\nChannel 1: you.\n\nChannel 0: give this to the team tomorrow. We'll get going on the investment switches, and then we've just got the usual bookings like annual reviews and things like that. If anything else pops up, please just give us a call, and\n\nChannel 1: Yep.\n\nChannel 0: we can book\n\nChannel 1: Yep.\n\nChannel 0: in for a\n\nChannel 1: Okay.\n\nChannel 0: an updated chat.\n\nChannel 1: Wonderful.\n\nChannel 0: Alrighty. Best of luck with the property group, and, hopefully, talk to you again soon.\n\nChannel 1: Yeah. Thanks very much for your time.\n\nChannel 0: No worries at all, Faye. Anytime. Talk to you soon.\n\nChannel 1: Okay. See you later.\n\nChannel 0: Yes. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.96,"end":1.12,"sentiment":"neutral","sentiment_score":0.06366278231143951},{"text":"Faith speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.05362473987042904}],"sentiment":"neutral","sentiment_score":0.05697075401743253,"channel":1,"num_words":3,"start":0.96,"end":1.86},{"sentences":[{"text":"Good evening, Faye.","start":3.04,"end":4.0,"sentiment":"positive","sentiment_score":0.33388883868853253},{"text":"It's Tommy here, senior adviser from OQ.","start":4.0,"end":6.08,"sentiment":"neutral","sentiment_score":0.2058342354638236},{"text":"How are you doing?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.17729955911636353}],"sentiment":"neutral","sentiment_score":0.2251217429127012,"channel":0,"num_words":14,"start":3.04,"end":6.98},{"sentences":[{"text":"Hi.","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.18257054686546328},{"text":"Good.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.32648777961730957},{"text":"Yourself?","start":7.44,"end":7.94,"sentiment":"neutral","sentiment_score":0.2685951888561249}],"sentiment":"neutral","sentiment_score":0.25921783844629925,"channel":1,"num_words":3,"start":6.72,"end":7.94},{"sentences":[{"text":"Doing fantastic.","start":8.639999,"end":9.54,"sentiment":"positive","sentiment_score":0.7735816836357117},{"text":"I'm just giving you a call to go through that updated advice document if you still have time.","start":10.0,"end":14.5,"sentiment":"neutral","sentiment_score":0.24161098897457123}],"sentiment":"neutral","sentiment_score":0.29480805844068525,"channel":0,"num_words":20,"start":8.639999,"end":14.5},{"sentences":[{"text":"Yep.","start":14.585,"end":14.825,"sentiment":"neutral","sentiment_score":0.045505911111831665},{"text":"No worries.","start":14.825,"end":15.385,"sentiment":"neutral","sentiment_score":0.027658157981932163},{"text":"Sorry.","start":15.385,"end":15.705,"sentiment":"neutral","sentiment_score":-0.0631542056798935},{"text":"There's a little bit of background noise in just clothing blinds to try and keep the house a little bit 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going to email through this advice document.","start":36.559998,"end":39.38,"sentiment":"neutral","sentiment_score":0.0917431814596057},{"text":"And just while you grab that up, could I please confirm","start":39.44,"end":42.255,"sentiment":"neutral","sentiment_score":0.050810261206193405}],"sentiment":"neutral","sentiment_score":0.06804517499710384,"channel":0,"num_words":19,"start":36.559998,"end":42.255},{"sentences":[{"text":"Mhmm.","start":42.01,"end":42.51,"sentiment":"neutral","sentiment_score":0.03545220196247101}],"sentiment":"neutral","sentiment_score":0.03545220196247101,"channel":1,"num_words":1,"start":42.01,"end":42.51},{"sentences":[{"text":"your date of birth and address for 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us.","start":906.555,"end":909.53503,"sentiment":"neutral","sentiment_score":-0.02982969582080841},{"text":"But after that three month period, to look at going is permanent.","start":910.635,"end":915.53503,"sentiment":"neutral","sentiment_score":-0.01271854635948936}],"sentiment":"neutral","sentiment_score":-0.013581687822764697,"channel":1,"num_words":43,"start":900.88995,"end":915.53503},{"sentences":[{"text":"So I'll have to have a chat to him if that's still going to be, you know, the offer there.","start":915.675,"end":922.89996,"sentiment":"neutral","sentiment_score":0.0396143845282495}],"sentiment":"neutral","sentiment_score":0.0396143845282495,"channel":1,"num_words":20,"start":915.675,"end":922.89996},{"sentences":[{"text":"Yeah.","start":923.99,"end":924.39,"sentiment":"neutral","sentiment_score":0.1514054536819458},{"text":"So for that actually works out pretty well.","start":924.39,"end":926.55,"sentiment":"neutral","sentiment_score":0.29310318641364574},{"text":"So I've based some of these projections on just an estimate, like, long term to show that if you were getting contributions on both sources.","start":926.55,"end":934.575,"sentiment":"neutral","sentiment_score":0.13749460339546205},{"text":"If anything changes, just, you know, update us next year, but never eventually so I can always update things.","start":935.275,"end":940.895,"sentiment":"neutral","sentiment_score":0.034033583183037605}],"sentiment":"neutral","sentiment_score":0.12415536057274297,"channel":0,"num_words":53,"start":923.99,"end":940.895},{"sentences":[{"text":"Yep.","start":941.225,"end":941.725,"sentiment":"positive","sentiment_score":0.44124600291252136}],"sentiment":"positive","sentiment_score":0.44124600291252136,"channel":1,"num_words":1,"start":941.225,"end":941.725},{"sentences":[{"text":"Cool.","start":942.875,"end":943.275,"sentiment":"positive","sentiment_score":0.615959644317627},{"text":"So if you have a little scroll down past your assets, you'll see the hub linked insurances and","start":943.275,"end":950.91003,"sentiment":"neutral","sentiment_score":0.10989979737334782}],"sentiment":"neutral","sentiment_score":0.1365345261598888,"channel":0,"num_words":19,"start":942.875,"end":950.91003},{"sentences":[{"text":"Mhmm.","start":950.8,"end":951.3,"sentiment":"neutral","sentiment_score":0.02454451099038124}],"sentiment":"neutral","sentiment_score":0.02454451099038124,"channel":1,"num_words":1,"start":950.8,"end":951.3},{"sentences":[{"text":"the risk profile of the growth on page ten and eleven.","start":950.91003,"end":954.13,"sentiment":"neutral","sentiment_score":0.008222383023663}],"sentiment":"neutral","sentiment_score":0.008222383023663,"channel":0,"num_words":11,"start":950.91003,"end":954.13},{"sentences":[{"text":"Yep.","start":954.88,"end":955.38,"sentiment":"neutral","sentiment_score":0.10873325169086456}],"sentiment":"neutral","sentiment_score":0.10873325169086456,"channel":1,"num_words":1,"start":954.88,"end":955.38},{"sentences":[{"text":"So, again, growth for the super, we've got that four out of five on the risk scale, around about 80% growth assets like shares, property, and 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that.","start":966.305,"end":968.565,"sentiment":"negative","sentiment_score":-0.4218669406005314}],"sentiment":"negative","sentiment_score":-0.4218669406005314,"channel":0,"num_words":7,"start":966.305,"end":968.565},{"sentences":[{"text":"Yep.","start":968.85504,"end":969.35504,"sentiment":"neutral","sentiment_score":0.02545865997672081}],"sentiment":"neutral","sentiment_score":0.02545865997672081,"channel":1,"num_words":1,"start":968.85504,"end":969.35504},{"sentences":[{"text":"And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations.","start":969.265,"end":975.285,"sentiment":"neutral","sentiment_score":0.02468029749782189}],"sentiment":"neutral","sentiment_score":0.02468029749782189,"channel":0,"num_words":23,"start":969.265,"end":975.285},{"sentences":[{"text":"Mhmm.","start":976.61505,"end":977.11505,"sentiment":"neutral","sentiment_score":0.01203436218202114}],"sentiment":"neutral","sentiment_score":0.01203436218202114,"channel":1,"num_words":1,"start":976.61505,"end":977.11505},{"sentences":[{"text":"And this is kind of where we go over, like, the best interest duties, why we're doing what we're doing.","start":977.97,"end":982.45,"sentiment":"neutral","sentiment_score":-0.00027465345337986965},{"text":"And then under that, there's, like, a whole table of advantages and disadvantages.","start":982.45,"end":986.07,"sentiment":"neutral","sentiment_score":-0.05863457817870837},{"text":"So","start":986.85,"end":987.35,"sentiment":"neutral","sentiment_score":-0.0013487860560417175}],"sentiment":"neutral","sentiment_score":-0.022620334454319057,"channel":0,"num_words":34,"start":977.97,"end":987.35},{"sentences":[{"text":"Okay.","start":987.04004,"end":987.54004,"sentiment":"neutral","sentiment_score":0.03391588479280472}],"sentiment":"neutral","sentiment_score":0.03391588479280472,"channel":1,"num_words":1,"start":987.04004,"end":987.54004},{"sentences":[{"text":"the way I can kind of summarize it for you 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underperforming,","start":991.34503,"end":997.125,"sentiment":"neutral","sentiment_score":-0.014735585274664979}],"sentiment":"neutral","sentiment_score":-0.014735585274664979,"channel":0,"num_words":19,"start":991.34503,"end":997.125},{"sentences":[{"text":"Yep.","start":997.3275,"end":997.8275,"sentiment":"neutral","sentiment_score":0.06816042959690094}],"sentiment":"neutral","sentiment_score":0.06816042959690094,"channel":1,"num_words":1,"start":997.3275,"end":997.8275},{"sentences":[{"text":"which was that Ben along Australian shares, if that rings a bell.","start":997.665,"end":1000.965,"sentiment":"neutral","sentiment_score":0.09860231851538022},{"text":"Perfect.","start":1002.82,"end":1003.32,"sentiment":"positive","sentiment_score":0.6481614708900452},{"text":"So when we looked at all the comparisons, so we're replacing it with a pretty new passive low fee option, and we've got the investment fee down.","start":1003.45996,"end":1014.04,"sentiment":"neutral","sentiment_score":0.23526330043872198},{"text":"We've got the returns up much higher.","start":1014.32495,"end":1016.985,"sentiment":"positive","sentiment_score":0.5126709384577615},{"text":"And, basically, the","start":1017.285,"end":1018.485,"sentiment":"neutral","sentiment_score":0.19956496357917786}],"sentiment":"neutral","sentiment_score":0.2474177972972393,"channel":0,"num_words":50,"start":997.665,"end":1018.485},{"sentences":[{"text":"Mhmm.","start":1018.40497,"end":1018.90497,"sentiment":"neutral","sentiment_score":0.09263497591018675}],"sentiment":"neutral","sentiment_score":0.09263497591018675,"channel":1,"num_words":1,"start":1018.40497,"end":1018.90497},{"sentences":[{"text":"whole long and short of it is we're projecting a a lot better outcome over the next five to ten years.","start":1018.485,"end":1024.185,"sentiment":"neutral","sentiment_score":0.26445035600946065},{"text":"And then once you get a tiny bit closer, we're gonna start doing a retirement analysis.","start":1024.485,"end":1031.36,"sentiment":"neutral","sentiment_score":0.11016394477337599},{"text":"So once you're less than ten years away, we're gonna show, okay.","start":1032.06,"end":1035.5,"sentiment":"neutral","sentiment_score":0.14803917768100897},{"text":"This is where you're gonna get to.","start":1035.5,"end":1037.2001,"sentiment":"neutral","sentiment_score":0.20503841127668107},{"text":"How long is that gonna last according to your, like, retirement goal?","start":1037.42,"end":1041.92,"sentiment":"neutral","sentiment_score":0.14275022596120834}],"sentiment":"neutral","sentiment_score":0.18001209287082448,"channel":0,"num_words":68,"start":1018.485,"end":1041.92},{"sentences":[{"text":"And do we need to adjust things, you know, reduce your risk levels down or bump anything up to kind of keep you on track for retirement?","start":1042.215,"end":1050.635,"sentiment":"neutral","sentiment_score":0.14191614312154274}],"sentiment":"neutral","sentiment_score":0.14191614312154274,"channel":0,"num_words":27,"start":1042.215,"end":1050.635},{"sentences":[{"text":"Yep.","start":1051.1951,"end":1051.515,"sentiment":"neutral","sentiment_score":0.12187151610851288},{"text":"Okay.","start":1051.515,"end":1052.015,"sentiment":"neutral","sentiment_score":0.0668569803237915}],"sentiment":"neutral","sentiment_score":0.09436424821615219,"channel":1,"num_words":2,"start":1051.1951,"end":1052.015},{"sentences":[{"text":"Now if you look at the table underneath that advantages and disadvantages, basically, we're echoes the same thing.","start":1053.1749,"end":1059.89,"sentiment":"neutral","sentiment_score":-0.011318386842807135},{"text":"There's no point, like, changing super funds because there's been no real major changes in terms of the fees or the features of Hub.","start":1060.4299,"end":1067.63,"sentiment":"neutral","sentiment_score":-0.09781863059227665},{"text":"It still","start":1067.63,"end":1068.11,"sentiment":"neutral","sentiment_score":0.1412263736128807}],"sentiment":"neutral","sentiment_score":-0.0515664852308956,"channel":0,"num_words":44,"start":1053.1749,"end":1068.11},{"sentences":[{"text":"Yes.","start":1068.04,"end":1068.54,"sentiment":"neutral","sentiment_score":0.2192278653383255}],"sentiment":"neutral","sentiment_score":0.2192278653383255,"channel":1,"num_words":1,"start":1068.04,"end":1068.54},{"sentences":[{"text":"has all of those investment options that we need.","start":1068.11,"end":1070.445,"sentiment":"neutral","sentiment_score":0.3131674925486247},{"text":"So we just use what was within Hub because they've got the most options.","start":1070.445,"end":1073.6649,"sentiment":"neutral","sentiment_score":0.31999856659344267},{"text":"The disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6.","start":1074.605,"end":1088.89,"sentiment":"neutral","sentiment_score":-0.2593504260693278}],"sentiment":"neutral","sentiment_score":-0.030668578399666423,"channel":0,"num_words":58,"start":1068.11,"end":1088.89},{"sentences":[{"text":"Yep.","start":1089.51,"end":1090.01,"sentiment":"neutral","sentiment_score":0.16618221998214722}],"sentiment":"neutral","sentiment_score":0.16618221998214722,"channel":1,"num_words":1,"start":1089.51,"end":1090.01},{"sentences":[{"text":"Whenever you buy ETF, which is how we get the investment fees so low, there's a brokerage fee upfront, which is like 0.11%, minimum, like, $11.","start":1091.91,"end":1104.145,"sentiment":"neutral","sentiment_score":0.2840243744162413},{"text":"That helps you buy the ETFs.","start":1104.205,"end":1105.885,"sentiment":"positive","sentiment_score":0.45065345366795856},{"text":"And then from that point forward, they're kind of the lowest fee investments going forward.","start":1105.885,"end":1110.145,"sentiment":"positive","sentiment_score":0.5345908025900523},{"text":"So not too much of a drawback there, a little bit of a purchase, tiny bit of tax.","start":1112.22,"end":1116.64,"sentiment":"neutral","sentiment_score":-0.07335768764217694},{"text":"And if you go all the way down, the main details I wanted to show you were on pages 15.","start":1117.1,"end":1123.6,"sentiment":"neutral","sentiment_score":0.1283440187573433}],"sentiment":"neutral","sentiment_score":0.22769245286198223,"channel":0,"num_words":85,"start":1091.91,"end":1123.6},{"sentences":[{"text":"You should see a really big table of investments with a 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that?","start":1146.4,"end":1147.62,"sentiment":"neutral","sentiment_score":0.10525761842727661}],"sentiment":"neutral","sentiment_score":0.197065427115089,"channel":0,"num_words":19,"start":1142.48,"end":1147.62},{"sentences":[{"text":"Yeah.","start":1147.65,"end":1148.13,"sentiment":"neutral","sentiment_score":0.11281023919582368},{"text":"Yep.","start":1148.13,"end":1148.63,"sentiment":"neutral","sentiment_score":0.1600976139307022}],"sentiment":"neutral","sentiment_score":0.13645392656326294,"channel":1,"num_words":2,"start":1147.65,"end":1148.63},{"sentences":[{"text":"Basically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down.","start":1149.775,"end":1158.3351,"sentiment":"neutral","sentiment_score":0.16531975908825794},{"text":"We just wanna bring everything back to the middle, and that bet along is being sold 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says","start":1204.7749,"end":1212.215,"sentiment":"neutral","sentiment_score":0.053684454124707445}],"sentiment":"neutral","sentiment_score":0.053684454124707445,"channel":0,"num_words":26,"start":1204.7749,"end":1212.215},{"sentences":[{"text":"Mhmm.","start":1212.075,"end":1212.575,"sentiment":"neutral","sentiment_score":0.027765929698944092}],"sentiment":"neutral","sentiment_score":0.027765929698944092,"channel":1,"num_words":1,"start":1212.075,"end":1212.575},{"sentences":[{"text":"growth total, and it kind of goes 80%, eighty one seventy nine.","start":1212.215,"end":1216.65,"sentiment":"neutral","sentiment_score":0.03962153056636453},{"text":"Can you see that in the middle?","start":1216.65,"end":1218.03,"sentiment":"neutral","sentiment_score":0.028577042211379324}],"sentiment":"neutral","sentiment_score":0.035552508540843665,"channel":0,"num_words":19,"start":1212.215,"end":1218.03},{"sentences":[{"text":"Yeah.","start":1218.075,"end":1218.475,"sentiment":"neutral","sentiment_score":0.08725455403327942},{"text":"Yep.","start":1218.475,"end":1218.975,"sentiment":"neutral","sentiment_score":0.14811061322689056}],"sentiment":"neutral","sentiment_score":0.11768258363008499,"channel":1,"num_words":2,"start":1218.075,"end":1218.975},{"sentences":[{"text":"So that's that growth total we were talking about, the 8020 split, and it's just showing that we're kind of maintaining that across the board.","start":1219.93,"end":1227.4501,"sentiment":"neutral","sentiment_score":0.18216468304395675},{"text":"The risk profile is 80%.","start":1227.4501,"end":1229.29,"sentiment":"neutral","sentiment_score":0.039826090633869174},{"text":"You're currently in 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we don't have any product documents to sign to that.","start":1681.29,"end":1688.67,"sentiment":"neutral","sentiment_score":0.07119569117608278}],"sentiment":"neutral","sentiment_score":0.10955400521365496,"channel":0,"num_words":52,"start":1672.135,"end":1688.67},{"sentences":[{"text":"Yeah.","start":1688.785,"end":1689.285,"sentiment":"neutral","sentiment_score":0.1021054983139038},{"text":"Okay.","start":1689.345,"end":1689.845,"sentiment":"neutral","sentiment_score":0.1211160346865654},{"text":"Now I think that's all done.","start":1690.0651,"end":1691.505,"sentiment":"neutral","sentiment_score":0.18469747652610144},{"text":"I just got her up to the last page.","start":1691.505,"end":1694.385,"sentiment":"neutral","sentiment_score":0.1643099304702547},{"text":"So let's put the date and everything in 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I'll","start":1728.455,"end":1729.575,"sentiment":"neutral","sentiment_score":0.21897295117378235}],"sentiment":"positive","sentiment_score":0.38509873549143475,"channel":0,"num_words":6,"start":1727.895,"end":1729.575},{"sentences":[{"text":"you.","start":1729.57,"end":1730.07,"sentiment":"neutral","sentiment_score":0.20715783536434176}],"sentiment":"neutral","sentiment_score":0.20715783536434176,"channel":1,"num_words":1,"start":1729.57,"end":1730.07},{"sentences":[{"text":"give this to the team tomorrow.","start":1729.575,"end":1731.015,"sentiment":"neutral","sentiment_score":0.29302213589350384},{"text":"We'll get going on the investment switches, and then we've just got the usual bookings like annual reviews and things like that.","start":1731.015,"end":1737.9199,"sentiment":"neutral","sentiment_score":0.21929827705025673},{"text":"If anything else pops up, please just give us a call, 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a","start":1742.38,"end":1743.34,"sentiment":"neutral","sentiment_score":0.089789683620135}],"sentiment":"neutral","sentiment_score":0.089789683620135,"channel":0,"num_words":3,"start":1742.38,"end":1743.34},{"sentences":[{"text":"Okay.","start":1743.135,"end":1743.635,"sentiment":"neutral","sentiment_score":0.11154439300298692}],"sentiment":"neutral","sentiment_score":0.11154439300298692,"channel":1,"num_words":1,"start":1743.135,"end":1743.635},{"sentences":[{"text":"an updated 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OQ named Tommy provides updated advice documents to a customer named Faye and discusses their insurance policy. They explain the process of updating insurance and the success of a recent investment company. The speaker provides detailed information on retirement goals and assets and liabilities of the customer's plan, including retirement goals and employer contributions. They also discuss the goals and areas of advice for their company, including retirement goals, estate planning, and buying a house. The speaker emphasizes the importance of updating projections and transferring investments, and provides instructions for completing the process. They also mention the need for a public trustee and the importance of writing out the agreement."},"intents":{"segments":[{"text":"I'm going to email through this advice document. And just while you grab that up, could I please confirm Mhmm. your date of birth and address for security?","start_word":100,"end_word":127,"intents":[{"intent":"Verify information","confidence_score":0.0004351636}]},{"text":"So date of birth is the eleventh of the first seventy two. And I think I've given the new address, which is 22 Lasing Crescent, Oxford. Yep.","start_word":129,"end_word":155,"intents":[{"intent":"Confirm address","confidence_score":0.07439727},{"intent":"Contact","confidence_score":0.00013932484}]},{"text":"Are you okay for the call to be recorded? Yeah.","start_word":172,"end_word":181,"intents":[{"intent":"Record call","confidence_score":0.09640269}]},{"text":"It should be a signature request from Oakview, and I've got a number of attachments at the bottom of the email rather than just clicking through that first link. Okay.","start_word":251,"end_word":280,"intents":[{"intent":"Provide signature request","confidence_score":0.19103555}]},{"text":"Now when you grab that, at the bottom with the attachment, the two main ones I wanted to go through with you to begin with, there is a statement of advice there, but there's also an SOA appendix. I'm just wondering if you could grab up that appendix for me first.","start_word":286,"end_word":336,"intents":[{"intent":"Request appendix","confidence_score":0.269183}]},{"text":"And can you just let me know if the text is at all clear? Can you read it okay? Yep.","start_word":352,"end_word":371,"intents":[{"intent":"Ask for help","confidence_score":0.000057670506}]},{"text":"So the main parts of advice that we were looking at was we're just updating some of the investments inside the super.","start_word":377,"end_word":398,"intents":[{"intent":"Update investments","confidence_score":0.65709037}]},{"text":"So the main parts of advice that we were looking at was we're just updating some of the investments inside the super. Yep.","start_word":377,"end_word":399,"intents":[{"intent":"Request advice","confidence_score":0.00035959532}]},{"text":"We were looking for a $100,000 worth of sort of medical expenses cover, Yep. but I put a limit of 40 to $50 a month, which we were just kind of throwing out as a bit of an estimate. Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document.","start_word":506,"end_word":568,"intents":[{"intent":"Identify a potential recommendation","confidence_score":0.000025828109}]},{"text":"Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document.","start_word":545,"end_word":568,"intents":[{"intent":"Recommend other companies","confidence_score":0.00004306523}]},{"text":"One for 75,000, one for 50,000, and it kind of drops through. The 50,000 came out to be $31.21 and $8.83, which is $40 a month for 50,000.","start_word":694,"end_word":721,"intents":[{"intent":"Discuss lower amounts","confidence_score":0.08579737}]},{"text":"So I wanted to just kinda leave that with you and say, hey. I haven't recommended it because the amount that we were after for the price we're after is not it's about twice as much, but I have just given a few step down quoting case. It was that important that you still wanted to look at it. Okay. K.","start_word":722,"end_word":782,"intents":[{"intent":"Leave with customer","confidence_score":0.00061506836}]},{"text":"That's that's Yep. that's more more or less the most important part of it. So and once we're in our own place again, I'd probably wanna increase the life cover benefit amount anyway. So Yeah. Absolutely.","start_word":845,"end_word":880,"intents":[{"intent":"Increase life cover benefit amount","confidence_score":0.11703774}]},{"text":"that email, there is, like, a purple sign here button, and it's gonna bring up the main statement of advice for you. So get back to the email.","start_word":949,"end_word":976,"intents":[{"intent":"Share statements of advice","confidence_score":0.00008695271}]},{"text":"pop up with, like, an authorization for electronic consent. But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold Yeah. Coast view. Can you see that? Yeah.","start_word":990,"end_word":1032,"intents":[{"intent":"Provide authorization for consent","confidence_score":0.25876853}]},{"text":"But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold Yeah. Coast view. Can you see that? Yeah.","start_word":999,"end_word":1032,"intents":[{"intent":"Scroll document","confidence_score":0.37989703}]},{"text":"So let's just go for a scroll together. Don't click any buttons or sign anything. We're just gonna go Mhmm. through and see if it's comfortable with the plan.","start_word":1038,"end_word":1066,"intents":[{"intent":"Guide users effectively","confidence_score":0.0014957677}]},{"text":"combined income of 95,000, but that's split between the two different employers, one that you're kind of invoicing as a sole trader and one that's a bit more part time. Yep.","start_word":1354,"end_word":1384,"intents":[{"intent":"Update income and address","confidence_score":0.004287442}]},{"text":"Been in further discussion with my father about that. So Yep. it seems that it's not just assets or, you know, him that is affected by it. There's a lot of unhappy investors over there at the moment. And Yeah. he said that one one investor was suggesting that they speak to a lawyer about it and see, you know I guess it'll be a class action. I'm not sure.","start_word":1439,"end_word":1508,"intents":[{"intent":"Discuss investment plans","confidence_score":0.0047907205}]},{"text":"he said that one one investor was suggesting that they speak to a lawyer about it and see, you know I guess it'll be a class action. I'm not sure.","start_word":1479,"end_word":1508,"intents":[{"intent":"Discuss impact of class action","confidence_score":0.015412075}]},{"text":"And the last that he said was the the plantation that he's got and the second one that they purchased for us.","start_word":1521,"end_word":1542,"intents":[{"intent":"Discuss plantation purchase","confidence_score":0.0025582514}]},{"text":"You know, the the Green Plains company is still stalling when it comes to when the trees are actually gonna be harvested, when essentially they should be harvested now.","start_word":1543,"end_word":1571,"intents":[{"intent":"Discuss and discuss green plains company","confidence_score":0.0000031990555},{"intent":"Mention recent investment company stalling","confidence_score":0.00007891938},{"intent":"Mention green plains company stalling","confidence_score":0.0028162836}]},{"text":"There was all the rage back in 2015 where there was a lot of forestry lots going in investments, and most of them went fairly up. I think one of them got a couple of lots actually chopped down and investors paid, but it was just a big big hoover over here as well. Yeah.","start_word":1592,"end_word":1646,"intents":[{"intent":"Discuss forestry vs. other investments","confidence_score":0.00010119617},{"intent":"Identify forestry lots in australia","confidence_score":0.00019457193}]},{"text":"They're obviously I'm able to communicate with my father about it now. And yep.","start_word":1777,"end_word":1790,"intents":[{"intent":"Communicate with father","confidence_score":0.33894384}]},{"text":"he he knows our position now in Australia, you know, that we wanna be able to buy our own place again or yeah. Just sort of start preparing for for the future, and so he wants to just sort of see what he can do in that that regard, how he can help.","start_word":1825,"end_word":1877,"intents":[{"intent":"Prepare for future","confidence_score":0.8100971}]},{"text":"I was gonna was just talking to them the other day and I'm gonna meet with them Sunday morning just to have a a what they call a discovery meeting, just Yeah.","start_word":1950,"end_word":1981,"intents":[{"intent":"Have discovery meeting","confidence_score":0.27716658}]},{"text":"I've seen a lot of people sort of advising that if if you're in a position where you can invest first in high growth areas, you know, and try and gain some equity in the properties that way, then that helps towards being purchasing our own property.","start_word":2001,"end_word":2047,"intents":[{"intent":"Consider investing in growth areas","confidence_score":0.009059473},{"intent":"Gain equity in properties","confidence_score":0.8213844}]},{"text":"Do you want me to do anything for next financial year with regards to evening out the contributions between the two incomes?","start_word":2232,"end_word":2253,"intents":[{"intent":"Plan for financial year","confidence_score":0.000011908841}]},{"text":"And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations. Mhmm.","start_word":2490,"end_word":2513,"intents":[{"intent":"summarize and recommend investments","confidence_score":0.000017530794}]},{"text":"The disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6. Yep.","start_word":2797,"end_word":2832,"intents":[{"intent":"Update investments","confidence_score":0.08499192}]},{"text":"And if you go all the way down, the main details I wanted to show you were on pages 15. You should see a really big table of investments with a lot Yep. of, like, red and green text showing will be by themselves. Yep.","start_word":2898,"end_word":2942,"intents":[{"intent":"Show investment details","confidence_score":0.15806091}]},{"text":"Basically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down. We just wanna bring everything back to the middle, and that bet along is being sold out.","start_word":2997,"end_word":3037,"intents":[{"intent":"Rebalance investments","confidence_score":0.44682854}]},{"text":"And so that reduces the investment fee on that option from 0.9 to 0.2.","start_word":3071,"end_word":3084,"intents":[{"intent":"Replace investment fee","confidence_score":0.0349594}]},{"text":"Now all I wanna point out on this pie chart is if you can make out the figures, the very middle row of that table says Mhmm. growth total, and it kind of goes 80%, eighty one seventy nine.","start_word":3126,"end_word":3164,"intents":[{"intent":"Calculate growth total","confidence_score":0.0006432137}]},{"text":"The rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience.","start_word":3438,"end_word":3471,"intents":[{"intent":"Discuss will and power of attorney power of attorney","confidence_score":0.00036069742}]},{"text":"The rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience. Yep.","start_word":3438,"end_word":3472,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.23399355},{"intent":"Inquire about will and power of attorney options","confidence_score":0.002078821}]},{"text":"I think the Okay. will side of things, you've got the three options I always go over with people is as lawyers, the public trustee of the state, or, you know, post office will kit, which they're not the best. Yeah.","start_word":3546,"end_word":3586,"intents":[{"intent":"Evaluate options for will and power of attorney","confidence_score":0.0034404402}]},{"text":"So with the public trustee, were they kind of maybe executor of the will and that just caused a lot of headaches?","start_word":3805,"end_word":3826,"intents":[{"intent":"Address concerns about public trustees","confidence_score":0.028168734}]},{"text":"So, yeah, they they definitely need to be updated. But, no, it's it was more a case of knowing that, you know, those that have appointed you know, gone and set their wills up to a public trustee, it's caused a lot of problems when, you know, when that person passes or when both Yeah.","start_word":3862,"end_word":3916,"intents":[{"intent":"Update wills","confidence_score":0.2523016}]},{"text":"think we have to seriously look at how we set it up again and and, yeah, do it in a much better way. Yeah.","start_word":4020,"end_word":4043,"intents":[{"intent":"Understand the need for to set up the will","confidence_score":7.537009e-10}]},{"text":"Say, the only thing I wanted to let you know as well is when you go through for this document, first of all, are you comfortable with the the strategy?","start_word":4145,"end_word":4174,"intents":[{"intent":"Discuss the need to check the document","confidence_score":0.00016185032},{"intent":"Identify comfortable with the strategy","confidence_score":0.00027876365}]},{"text":"When you go through to do the Odoo signing, I always include a little bit of a text box because you have the ability to vary the recommendations if there's something that you need to change. So if you're happy with just doing the investment switch as I've outlined, just type in NA in the box because it may not let you skip past there without putting Okay.","start_word":4187,"end_word":4254,"intents":[{"intent":"Explain process","confidence_score":0.0017088655}]},{"text":"It does include the service agreement from the annual review after the statement of advice, and there's also a tax file number of declaration form, which if you remember that one is kind of just making sure we still have your consent to hold that number because it is so important. Yep.","start_word":4261,"end_word":4312,"intents":[{"intent":"Offer service agreement","confidence_score":0.004740632},{"intent":"Offer service agreement","confidence_score":0.00382433},{"intent":"Clarify agreement","confidence_score":0.00057095266},{"intent":"Confirm consent","confidence_score":0.18066874}]},{"text":"it'll give you after the validation button, it'll give you a pop up with a signed copy for yourself. But if you need to get one, like, on your email, just let the team let the team know, and we can send it through to you. Yep.","start_word":4474,"end_word":4520,"intents":[{"intent":"Provide confirmation","confidence_score":0.0019618564},{"intent":"Offer confirmation","confidence_score":0.065559566},{"intent":"Mention confirmation","confidence_score":0.0002981663},{"intent":"Offer confirmation","confidence_score":0.034413118},{"intent":"Provide confirmation","confidence_score":0.044933762}]},{"text":"That should be fine. Yep. That's come through all good. Do you have any final questions for me before I let you go? No. No.","start_word":4523,"end_word":4547,"intents":[{"intent":"Say goodbye","confidence_score":0.008347246}]},{"text":"Do you have any final questions for me before I let you go? No.","start_word":4533,"end_word":4546,"intents":[{"intent":"Ask questions","confidence_score":0.010803924}]}]},"sentiments":{"segments":[{"text":"Hi. Faith speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.059441328048706055},{"text":"Good evening, Faye.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3413830101490021},{"text":"It's Tommy here, senior adviser from OQ. How are you doing? Hi. Good. Yourself?","start_word":6,"end_word":19,"sentiment":"neutral","sentiment_score":0.2192121744155884},{"text":"Doing fantastic.","start_word":20,"end_word":21,"sentiment":"positive","sentiment_score":0.7735816836357117},{"text":"I'm just giving you a call to go through that updated advice document if you still have time. Yep. No worries. Sorry. There's a little bit of background noise in just clothing blinds to try and keep the house a little bit warmer. No. That's totally fine. I've got a few dogs barking around the place, and we're just doing a bit of work from home with a fuel crisis. So, likewise. Yep. Yep. Okay. All Now good. I'm going to email through this advice document. And just while you grab that up, could I please confirm Mhmm. your date of birth and address for security? Yep. So date of birth is the eleventh of the first seventy two. And I think I've given the new address, which is 22 Lasing Crescent, Oxford. Yep.","start_word":22,"end_word":155,"sentiment":"neutral","sentiment_score":0.02107863500714302},{"text":"Perfect. Thank you so much for that.","start_word":156,"end_word":162,"sentiment":"positive","sentiment_score":0.5063546299934387},{"text":"And I registered Cool. with our speaker's adviser 1273105. Are you okay for the call to be recorded? Yeah. Yep. Sensational. So this email is coming through to you now just to your Hotmail address. Mhmm. It's got a few product document attachments with it, which is a little bit large. It may take thirty seconds or so, Yep. but it should come through to my inbox now since that first email we did together. Yep. Alrighty. Now can you let me know when you've got that there? It should be a signature request from Oakview, and I've got a number of attachments at the bottom of the email rather than just clicking through that first link. Okay. Yep. That's coming through. Perfect. Now when you grab that, at the bottom with the attachment, the two main ones I wanted to go through with you to begin with, there is a statement of advice there, but there's also an SOA appendix. I'm just wondering if you could grab up that appendix for me first. It's got, like, a big forest mountain view picture on it. Mhmm. Yep. Yep.","start_word":163,"end_word":350,"sentiment":"neutral","sentiment_score":0.041210280097228415},{"text":"Cool.","start_word":351,"end_word":351,"sentiment":"positive","sentiment_score":0.43329495191574097},{"text":"And can you just let me know if the text is at all clear? Can you read it okay? Yep. Yep.","start_word":352,"end_word":372,"sentiment":"neutral","sentiment_score":0.13741910457611084},{"text":"It's all good. Perfect.","start_word":373,"end_word":376,"sentiment":"positive","sentiment_score":0.7042582035064697},{"text":"So the main parts of advice that we were looking at was we're just updating some of the investments inside the super. Yep. A little bit of a reminder on the estate planning because of, obviously, wills and power of attorney in New Zealand and everything. Yep. And I did do some quotes for that trauma insurance. If you remember that trauma cover for, like, the heart attack, stroke, and cancer, does that ring a bell? Yep. Yep. Yep. Now what happened was we were doing some research, and we found across all of the different insurance providers that Ascender, which used to be MLC, they're offering the the sort of best deal for the level of cover for you. And I had a bit of a limit there. We were looking for a $100,000 worth of sort of medical expenses cover, Yep. but I put a limit of 40 to $50 a month, which we were just kind of throwing out as a bit of an estimate.","start_word":377,"end_word":544,"sentiment":"neutral","sentiment_score":-0.03560037538409233},{"text":"Now because it came out to be double that, it was over $100 a month, I haven't actually recommended it in the advice document.","start_word":545,"end_word":568,"sentiment":"negative","sentiment_score":-0.4229010343551636},{"text":"Mhmm. Yeah. What I have included, if you scroll through that appendix, you should see the table of contents, a risk profile table, some disclaimers for two pages after that. You'll see some PDF links for all these little blue links for the different investment options, some returns methodology, and then we've got three quotes at the back of the appendix. Yep. Yep. So just so you've got them there, the first one is in order to make it a bit cheaper, we put together life insurance alongside the trauma cover. It's just a Yes. little bit of a trick where you link them together and it makes it cheaper. The first one is for the 100,000. I did include two alternative quotes here. One for 75,000, one for 50,000, and it kind of drops through. The 50,000 came out to be $31.21 and $8.83, which is $40 a month for 50,000. Yep. So I wanted to just kinda leave that with you and say, hey. I haven't recommended it because the amount that we were after for the price we're after is not it's about twice as much, but I have just given a few step down quoting case. It was that important that you still wanted to look at it. Okay. K. So any thoughts on that at the moment? Are you happy to kind of skip past that one today? Do you want me to look at going for some of the lower amounts? I think we'll probably leave it. Yep. Yeah. I think we'll leave it as is because, yeah, it's I I wouldn't want to drop that benefit amount, obviously. Yeah. That's that's Yep. that's more more or less the most important part of it. So and once we're in our own place again, I'd probably wanna increase the life cover benefit amount anyway. So Yeah. Absolutely. So what I'll do yeah. is at the moment, we're just gonna keep your existing, like, life, TPD, and income protection in place, Yep. and we're not gonna have trauma cover at the moment. If we need to revisit it in twelve months, I can redo some quotes. Yep. Okay.","start_word":569,"end_word":930,"sentiment":"neutral","sentiment_score":0.015302010279313471},{"text":"Perfect.","start_word":931,"end_word":931,"sentiment":"positive","sentiment_score":0.47246718406677246},{"text":"Now if you can grab up the actually, give this one a go for me. In Mhmm. that email, there is, like, a purple sign here button, and it's gonna bring up the main statement of advice for you. So get back to the email. That's okay. So click on the sign document. Yep. So it should Yep. pop up with, like, an authorization for electronic consent. But the main thing you should see is you should be able to scroll through this document with me, which has, like, that beachfront city Gold Yeah. Coast view. Can you see that? Yeah. I've got that.","start_word":932,"end_word":1035,"sentiment":"neutral","sentiment_score":0.16920363903045654},{"text":"Perfect.","start_word":1036,"end_word":1036,"sentiment":"positive","sentiment_score":0.5939197540283203},{"text":"So let's just go for a scroll together. Don't click any buttons or sign anything. We're just gonna go Mhmm. through and see if it's comfortable with the plan. So it's got my license details on the front. You scroll through past there.","start_word":1037,"end_word":1079,"sentiment":"neutral","sentiment_score":0.148843452334404},{"text":"We've got the best interest duty, which is, you know, we need to make recommendations to achieve your goals, leave you at a better position.","start_word":1080,"end_word":1104,"sentiment":"positive","sentiment_score":0.38957151770591736},{"text":"We've got table of contents. And can you go down to page four, the scope of Thank you for advice? alright. I should've stayed on my computer for this. That's alright. No worries. And that can be a bit tricky on the phones and everything too. And you should see a nice blue heading. Scope of advice considered. Okay. Yep. One name now.","start_word":1105,"end_word":1167,"sentiment":"neutral","sentiment_score":0.08426739275455475},{"text":"Cool.","start_word":1168,"end_word":1168,"sentiment":"positive","sentiment_score":0.5397243499755859},{"text":"So, again, scope of advice, we're just listing all the goals and areas of advice. We've got the super at the top with the retirement goal. That's what we're focusing on at the moment, estate Mhmm. planning. If you go on the next page, I've got the full explanation of the insurances, which is basically keep what you've got in place. We did consider some trauma cover, but didn't recommend it and just provided those alternative quotes there as well. Yep.","start_word":1169,"end_word":1249,"sentiment":"neutral","sentiment_score":0.1473856121301651},{"text":"Cool.","start_word":1250,"end_word":1250,"sentiment":"positive","sentiment_score":0.33618009090423584},{"text":"And if you go past there, what's not in this document as far as advice goes is we're not giving you budgeting and debt management advice because, obviously, Mhmm. you're already settling into your new cash flow position. We've got the employer contributions and everything. And in terms of purchasing a house in the next few years, that's kind of a future goal you're working towards. Yeah. Yep.","start_word":1251,"end_word":1318,"sentiment":"neutral","sentiment_score":-0.06711035966873169},{"text":"Perfect.","start_word":1319,"end_word":1319,"sentiment":"positive","sentiment_score":0.5031262636184692},{"text":"Now if you go down, we've got your about you section on pages seven and eight, which has Mhmm. your details and your assets and liabilities. So quick reminder, we had the Yep. combined income of 95,000, but that's split between the two different employers, one that you're kind of invoicing as a sole trader and one that's a bit more part time. Yep. That's right. Yep.","start_word":1320,"end_word":1386,"sentiment":"neutral","sentiment_score":0.04855895680444899},{"text":"Perfect.","start_word":1387,"end_word":1387,"sentiment":"positive","sentiment_score":0.6065584421157837},{"text":"We got the two cars, the savings, the bicycle, and I have made a note of the Forestry New Zealand, but it's not currently, like, transferred across and in possession at the moment. So I've Yep. just made a note of it, but I haven't included the address yet. Yep. Yeah. Been in further discussion with my father about that. So Yep. it seems that it's not just assets or, you know, him that is affected by it.","start_word":1388,"end_word":1465,"sentiment":"neutral","sentiment_score":-0.0031880007591098547},{"text":"There's a lot of unhappy investors over there at the moment. And Yeah. he said that one one investor was suggesting that they speak to a lawyer about it and see, you know I guess it'll be a class action. I'm not sure. But to get all the investors on board with that.","start_word":1466,"end_word":1518,"sentiment":"negative","sentiment_score":-0.4752724766731262},{"text":"So yeah. And the last that he said was the the plantation that he's got and the second one that they purchased for us.","start_word":1519,"end_word":1542,"sentiment":"neutral","sentiment_score":-0.1170509159564972},{"text":"You know, the the Green Plains company is still stalling when it comes to when the trees are actually gonna be harvested, when essentially they should be harvested now.","start_word":1543,"end_word":1571,"sentiment":"negative","sentiment_score":-0.3532947599887848},{"text":"Yep. Yep. So, yeah, we're just in limbo at the moment. Yeah. And it's pretty common in Australia as well. There was all the rage back in 2015 where there was a lot of forestry lots going in investments, and most of them went fairly up.","start_word":1572,"end_word":1617,"sentiment":"neutral","sentiment_score":-0.1440177708864212},{"text":"I think one of them got a couple of lots actually chopped down and investors paid, but it was just a big big hoover over here as well.","start_word":1618,"end_word":1645,"sentiment":"negative","sentiment_score":-0.33767053484916687},{"text":"Yeah. My father said that there's been a few other investment companies or whatnot that had started up around about the same time that have that have all folded. Yep. So this one has been operating for a long time, and and some some investors have already had a return. Like, their trees had been harvested in the last couple of years.","start_word":1646,"end_word":1707,"sentiment":"neutral","sentiment_score":-0.0653647631406784},{"text":"But it for some reason, now everything's just been delayed and sort of a a lot of excuses being said from Green Plan themselves.","start_word":1708,"end_word":1731,"sentiment":"negative","sentiment_score":-0.3717111051082611},{"text":"Yeah. So So it's we probably gonna yeah. be quite a few months of back and forth and legals and all the rest of it, won't Yep. it? Yeah. It looks to be that way. Yeah. Totally But fair. yeah.","start_word":1732,"end_word":1771,"sentiment":"neutral","sentiment_score":-0.014588250778615476},{"text":"And But it's good.","start_word":1772,"end_word":1775,"sentiment":"positive","sentiment_score":0.5087491273880005},{"text":"Yeah. They're obviously I'm able to communicate with my father about it now. And yep. yeah. Yeah. Hopefully, That's a we'll positive have rather than head in the sand kind of thing, and it's just being ignored. So at least there's some movement. yeah. Yep. Yeah. Yeah. Because Yeah. he he knows our position now in Australia, you know, that we wanna be able to buy our own place again or yeah. Just sort of start preparing for for the future, and so he wants to just sort of see what he can do in that that regard, how he can help. Yeah. So yeah. Well, hopefully, that bears some fruit. Ignore the pun, sorry, for the next twelve months or so when something good comes out of it. Yeah. Hopefully. And one other We're thing actually I wanted to ask you as well sorry. Go. oh, sorry. Yeah. We're actually gonna have a meeting as well with you've probably heard them because they do a bit of advertising, Propel Property. Yes. Yes. Yeah. I was gonna was just talking to them the other day and I'm gonna meet with them Sunday morning just to have a a what they call a discovery meeting, just Yeah. to sort of see what they do and yeah. Sort of I've, you know, I've been thinking about that. I've seen a lot of people sort of advising that if if you're in a position where you can invest first in high growth areas, you know, and try and gain some equity in the properties that way, then that helps towards being purchasing our own property. So it's sort of doing Yeah. it the other way around to what you traditionally do. So Okay. Yeah. Yeah. A bit of invest first, get that building, and then it'll help you get in. So that's an yeah. interesting idea. Yeah. Yep. So can I meet with them on Saturday morning and have a chat?","start_word":1776,"end_word":2103,"sentiment":"neutral","sentiment_score":0.1022011317857882},{"text":"Cool. Best of luck, and I I hope I get some good news from that way as well. It'd Yeah. be nice to to jump in sooner rather than later as well.","start_word":2104,"end_word":2135,"sentiment":"positive","sentiment_score":0.6166211366653442},{"text":"Yeah. Yep. I wanna see what they say.","start_word":2136,"end_word":2143,"sentiment":"neutral","sentiment_score":0.13499996066093445},{"text":"Cool.","start_word":2144,"end_word":2144,"sentiment":"positive","sentiment_score":0.3528582453727722},{"text":"So I've still got the goals listed for the next, say, one to five years as it being the focus, you know, trying to get Yeah. into the kind of property side of things. I wanted to ask you about in terms of the contributions to Super. We Mhmm. Mhmm. were just doing a bit of a projection based on what's coming through from one of the employers. I'm just wondering if you had any developments in terms of, like, the invoicing, the cash flow, and everything. Do you want me to do anything for next financial year with regards to evening out the contributions between the two incomes? I'll have to have a think about that because when I started with the bookkeeping firm down here and and contracting, the initial discussion with the owner was that after a three month trial period that he would discuss putting me actually as a permanent employee because that was Okay. yeah. Obviously, when I first started, it was one of my questions. It's like, am I going to get paid super? And he said no because you'll be contracting to us. But after that three month period, to look at going is permanent. So I'll have to have a chat to him if that's still going to be, you know, the offer there. Yeah. So for that actually works out pretty well. So I've based some of these projections on just an estimate, like, long term to show that if you were getting contributions on both sources. If anything changes, just, you know, update us next year, but never eventually so I can always update things.","start_word":2145,"end_word":2419,"sentiment":"neutral","sentiment_score":0.05327672138810158},{"text":"Yep. Cool.","start_word":2420,"end_word":2421,"sentiment":"positive","sentiment_score":0.5111314654350281},{"text":"So if you have a little scroll down past your assets, you'll see the hub linked insurances and Mhmm. the risk profile of the growth on page ten and eleven. Yep. So, again, growth for the super, we've got that four out of five on the risk scale, around about 80% growth assets like shares, property, and gold. We're Mhmm.","start_word":2422,"end_word":2481,"sentiment":"neutral","sentiment_score":0.07422301918268204},{"text":"not going anything high risk than that.","start_word":2482,"end_word":2488,"sentiment":"negative","sentiment_score":-0.4215846657752991},{"text":"Yep. And the one I need to kind of summarize for you, if you go to pages twelve and thirteen, you'll see strategy recommendations. Mhmm. And this is kind of where we go over, like, the best interest duties, why we're doing what we're doing. And then under that, there's, like, a whole table of advantages and disadvantages. So Okay. the way I can kind of summarize it for you is Mhmm. we're just updating a few investments within the super, trying to get rid of that one that was underperforming, Yep. which was that Ben along Australian shares, if that rings a bell.","start_word":2489,"end_word":2592,"sentiment":"neutral","sentiment_score":0.018325883895158768},{"text":"Perfect.","start_word":2593,"end_word":2593,"sentiment":"positive","sentiment_score":0.6481614708900452},{"text":"So when we looked at all the comparisons, so we're replacing it with a pretty new passive low fee option, and we've got the investment fee down.","start_word":2594,"end_word":2620,"sentiment":"neutral","sentiment_score":0.2313452810049057},{"text":"We've got the returns up much higher.","start_word":2621,"end_word":2627,"sentiment":"positive","sentiment_score":0.49397721886634827},{"text":"And, basically, the Mhmm. whole long and short of it is we're projecting a a lot better outcome over the next five to ten years. And then once you get a tiny bit closer, we're gonna start doing a retirement analysis. So once you're less than ten years away, we're gonna show, okay. This is where you're gonna get to. How long is that gonna last according to your, like, retirement goal? And do we need to adjust things, you know, reduce your risk levels down or bump anything up to kind of keep you on track for retirement? Yep. Okay. Now if you look at the table underneath that advantages and disadvantages, basically, we're echoes the same thing. There's no point, like, changing super funds because there's been no real major changes in terms of the fees or the features of Hub. It still Yes. has all of those investment options that we need. So we just use what was within Hub because they've got the most options. The disadvantage of updating the investments is when you switch investments, you can pay a bit of capital gains tax underneath the pool within the super, which we estimate to be about 4 to $6. Yep. Whenever you buy ETF, which is how we get the investment fees so low, there's a brokerage fee upfront, which is like 0.11%, minimum, like, $11. That helps you buy the ETFs.","start_word":2628,"end_word":2864,"sentiment":"neutral","sentiment_score":0.1115173276215163},{"text":"And then from that point forward, they're kind of the lowest fee investments going forward.","start_word":2865,"end_word":2879,"sentiment":"positive","sentiment_score":0.5418121218681335},{"text":"So not too much of a drawback there, a little bit of a purchase, tiny bit of tax. And if you go all the way down, the main details I wanted to show you were on pages 15. You should see a really big table of investments with a lot Yep. of, like, red and green text showing will be by themselves. Yep. So the main thing I wanted to point out here, Faye, if you can look at the right hand column, you should see a column called target weight, and you can see Uh-huh. all these percentages there. Some nice round figures, the seven, the zero, the 10. Can you see all that? Yeah. Yep. Basically, what we're doing is rebalancing all of the investments back to the model portfolio because some have gone up, some have gone down. We just wanna bring everything back to the middle, and that bet along is being sold out. And if you look at the very bottom of the table, you should see there the beta shares Australia 200, Yep. and that is your low fee replacement of the bet along. Okay. And so that reduces the investment fee on that option from 0.9 to 0.2.","start_word":2880,"end_word":3084,"sentiment":"neutral","sentiment_score":0.157855287194252},{"text":"So Uh-huh. it's quite a lot cheaper, and the performance has just been out of this world kind of thing.","start_word":3085,"end_word":3104,"sentiment":"positive","sentiment_score":0.5980027914047241},{"text":"So if you go down a bit further, you'll see a pie chart on page 17. That's the asset allocation. Okay. Now all I wanna point out on this pie chart is if you can make out the figures, the very middle row of that table says Mhmm. growth total, and it kind of goes 80%, eighty one seventy nine. Can you see that in the middle? Yeah. Yep. So that's that growth total we were talking about, the 8020 split, and it's just showing that we're kind of maintaining that across the board. The risk profile is 80%. You're currently in 81. When we rebalance everything, it was sitting at about 79, and that's kind of right on target. Okay. Last two bits of details here. Fee comparison on the next page, that just shows you that we factored in, like, the capital gains tax, the estimated Mhmm. contributions on both income just as a bit of an ideal scenario, and Yep. the investment fee difference on the right. Bottom of that table shows you the performance difference. So it goes on the five years from just under 11% to just over 12%, which may not seem like much. But if you look on the next page, it's got a bit of an impact of projections Mhmm. there for you. Yep. And just a bit of a switch out, another 10 to 30,000 over the next five to ten years, and we're predicting that you're gonna go and clear 300,000 over the next decade.","start_word":3105,"end_word":3359,"sentiment":"neutral","sentiment_score":0.11351536959409714},{"text":"Yep.","start_word":3360,"end_word":3360,"sentiment":"positive","sentiment_score":0.34048041701316833},{"text":"Okay?","start_word":3361,"end_word":3361,"sentiment":"neutral","sentiment_score":0.27124273777008057},{"text":"Performance underneath that, it's just really consistent. Having a 20% return for the last twelve months is really big for a growth fund.","start_word":3362,"end_word":3384,"sentiment":"positive","sentiment_score":0.5880692601203918},{"text":"Normally, we're aiming for that eight to 9% average, like I was saying Yeah. during the review.","start_word":3385,"end_word":3401,"sentiment":"neutral","sentiment_score":0.3062971830368042},{"text":"If we can keep it at those high double digits, that's gonna be really good, but we're still basing things on that benchmark.","start_word":3402,"end_word":3424,"sentiment":"positive","sentiment_score":0.4372964799404144},{"text":"Yep. Okay. So that's pretty much it for most of the strategies. The rest of the document just talks about the will and the power of attorney, and I don't need to remind you why that's important to sort out because you've already had the experience. Yep. But that's pretty much it for the super. Switch the investments around, get the fees down, get the performance up a little bit, and we're not doing anything with the insurances at the moment. So does all that make sense? Do you have any questions for me? No. Not really any questions. Yeah.","start_word":3425,"end_word":3524,"sentiment":"neutral","sentiment_score":0.12424464762210846},{"text":"I think it all looks really good.","start_word":3525,"end_word":3531,"sentiment":"positive","sentiment_score":0.547417163848877},{"text":"In redoing our will, Is that possible through you guys? Definitely not through us. I think the Okay. will side of things, you've got the three options I always go over with people is as lawyers, the public trustee of the state, or, you know, post office will kit, which they're not the best. Yeah. Yeah. Yeah. It's a tricky one because, I mean, both my husband and I are only children. So sort of, you know I guess now that our daughter is 21, it's not so much of an issue because we don't have to worry about, you know, a guardian for her and that sort of thing. Yeah. Yeah. But, yeah, just just the executor and things like that is a little bit tricky for us to work out what we do in that situation, and that's sort of why we went just with the the public trustee in New Zealand for our original wills. And that caused some trouble too. And is that the same for the power of attorney? Like, if you were, you know, sick or injured, I guess, like, you can nominate each other there as well. But that's a pretty good one to make sure that, you know, if you're in hospital, someone can access the bank account and talk to the doctors as Yeah. well as Yep. the will. Yeah. And I'll there's have no to go trusted friends or anything or anyone that you would trust to put in there? There is, but we definitely have it checked to them first, obviously. So And can I double check yeah. with you too? So with the public trustee, were they kind of maybe executor of the will and that just caused a lot of headaches? Oh, we haven't, like because we haven't really done anything with our wheels that we set up when we're back in NZ. I mean, yeah, that's when we were we were homeowners over there as well. So, yeah, they they definitely need to be updated. But, no, it's it was more a case of knowing that, you know, those that have appointed you know, gone and set their wills up to a public trustee, it's caused a lot of problems when, you know, when that person passes or when both Yeah.","start_word":3532,"end_word":3916,"sentiment":"neutral","sentiment_score":-0.09406245107000524},{"text":"both partners pass away. It's yeah. It's it's apparently not not been a great experience for people and and has ended up costing them costing those people a lot of money that have had to try and manage things.","start_word":3917,"end_word":3955,"sentiment":"negative","sentiment_score":-0.4750283360481262},{"text":"Yeah. I know in Australia, there's those situations where the public trust that you can take a decent Yeah. amount Yeah. to execute everything as well. So it pays to kind of be careful with with who you link on to everything in the estate. Yeah. Yeah. No. It's just yeah.","start_word":3956,"end_word":4006,"sentiment":"neutral","sentiment_score":-0.07207044959068298},{"text":"The feedback with public trustees has just not been good.","start_word":4007,"end_word":4016,"sentiment":"negative","sentiment_score":-0.5058987140655518},{"text":"So I Yeah. think we have to seriously look at how we set it up again and and, yeah, do it in a much better way. Yeah. Definitely probably gonna be something to talk to a lawyer about at the moment even if it's just that discovery type meeting to give you some ideas and then kinda go from there. Yeah. Yeah. Yep. Okay. I should put that on the to do list. Cool. Yeah.","start_word":4017,"end_word":4091,"sentiment":"neutral","sentiment_score":-0.07837433367967606},{"text":"Definitely a few things on the to do list between everything in NZ, the estate. Everything on this end for the super thing is nice and simple.","start_word":4092,"end_word":4118,"sentiment":"positive","sentiment_score":0.4260479807853699},{"text":"We'll just balance things and look after it and and then check-in with you to see how everything's going. Yeah. Yeah.","start_word":4119,"end_word":4139,"sentiment":"neutral","sentiment_score":0.2611900269985199},{"text":"Okay. That sounds really good.","start_word":4140,"end_word":4144,"sentiment":"positive","sentiment_score":0.5065566897392273},{"text":"Say, the only thing I wanted to let you know as well is when you go through for this document, first of all, are you comfortable with the the strategy?","start_word":4145,"end_word":4174,"sentiment":"neutral","sentiment_score":0.18499428033828735},{"text":"Are you happy to to go ahead with them?","start_word":4175,"end_word":4183,"sentiment":"positive","sentiment_score":0.5142585039138794},{"text":"Yeah. Yep. Yep. When you go through to do the Odoo signing, I always include a little bit of a text box because you have the ability to vary the recommendations if there's something that you need to change. So if you're happy with just doing the investment switch as I've outlined, just type in NA in the box because it may not let you skip past there without putting Okay. something in the box. Yep. K? It does include the service agreement from the annual review after the statement of advice, and there's also a tax file number of declaration form, which if you remember that one is kind of just making sure we still have your consent to hold that number because it is so important. Yep. Yep.","start_word":4184,"end_word":4313,"sentiment":"neutral","sentiment_score":0.202726349234581},{"text":"Okay. Cool.","start_word":4314,"end_word":4315,"sentiment":"positive","sentiment_score":0.3995097279548645},{"text":"Do you want me to leave you with that one? Do you want me to kind of stay online as you go through the the buttons there just to make sure I do make sense for you? I think that that'll be alright. Yeah. The digital signing part of it, I usually have no issues with. So just Yeah. checking that And if Scott it's up to you, like, statement. Yep. you can stamp the signature on there, or if you click on the signature, you can draw it so it matches your ID. For us, either one is fine. It's just some product providers prefer it to match the the ID, but we don't have any product documents to sign to that. Yeah. Okay. Now I think that's all done. I just got her up to the last page. So let's put the date and everything in there. Oops. Now I've gone Yep. And then too little. it'll give you after the validation button, it'll give you a pop up with a signed copy for yourself. But if you need to get one, like, on your email, just let the team let the team know, and we can send it through to you. Yep. K. No. That should be fine. Yep.","start_word":4316,"end_word":4527,"sentiment":"neutral","sentiment_score":0.16348281502723694},{"text":"That's come through all good.","start_word":4528,"end_word":4532,"sentiment":"positive","sentiment_score":0.5018205046653748},{"text":"Do you have any final questions for me before I let you go? No. No.","start_word":4533,"end_word":4547,"sentiment":"neutral","sentiment_score":0.06281699240207672},{"text":"All good. Thank Cool. Faye.","start_word":4548,"end_word":4552,"sentiment":"positive","sentiment_score":0.738819420337677},{"text":"So from here, I'll you. give this to the team tomorrow. We'll get going on the investment switches, and then we've just got the usual bookings like annual reviews and things like that. If anything else pops up, please just give us a call, and Yep. we can book Yep. in for a Okay. an updated chat.","start_word":4553,"end_word":4609,"sentiment":"neutral","sentiment_score":0.19157935678958893},{"text":"Wonderful. Alrighty. Best of luck with the property group, and, hopefully, talk to you again soon. Yeah. Thanks very much for your time. No worries at all, Faye. Anytime. Talk to you soon.","start_word":4610,"end_word":4642,"sentiment":"positive","sentiment_score":0.5793160796165466},{"text":"Okay.","start_word":4643,"end_word":4643,"sentiment":"neutral","sentiment_score":0.2987481951713562},{"text":"See you later.","start_word":4644,"end_word":4646,"sentiment":"positive","sentiment_score":0.34733954071998596},{"text":"Yes. Bye.","start_word":4647,"end_word":4648,"sentiment":"neutral","sentiment_score":0.21809811890125275}],"average":{"sentiment":"neutral","sentiment_score":0.06764700288172515}}}}