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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. And, Andrew, just before I do go any further, I just need to get you to confirm your full name, date of birth, and address, please. Fantastic. Thank you for that. I'm just phoning for yours and Kim's annual review. Do you have time to do that now? Yeah? Oh, wonderful. Is Kim with you? Yeah. I just need to I I have to ID Kim as well just to make sure that I'm speaking with the right people even though I called you. But, Kim, can I please ask you to provide your full name, date of birth, and address, please? Lovely. Thank you, Kim. Okay. How are you both doing today? Yeah? That's good. How are you going with the knee recovery? Yeah. Oh, that's good. Progress is progress, so that's good. Okay. Alright. With part of the annual review, what I'd like to do to just start with is just check-in with you both and see if there are any significant changes to your personal or financial situation that we need to focus on? Yeah. Yep. Yep. Mhmm. Yep. Yeah. Yep. Okay. Okay. I'm just making some notes on that. Beautiful. Alright. Made a note. So when I get down to the occupation side of things, I can just ask a couple more questions, but that is fine. Now sorry. I'm on the wrong page. There we go. Okay. So what I wanna do, Andrew, I might start with you, is just quickly run through the details that I have on file to make sure that it's all still relevant and correct. And then, Kim, I'll do the same with yourself. With I've got no financial dependence listed here for you both, but you do you have children adult children? Yeah? How many? Yep. Okay. Lovely. Yeah. Okay. Yeah. Oh, okay. Lovely. Oh, that's good. It's always good to start early. Get ahead. Yeah. Okay. So I've got you as a carpenter. So this the house build, are you employed full time contracting to them? Yep. Yes. Okay. And how much are you earning from that? Okay. Okay. That's okay. Alright. And the super side of things, as a sole trader, are you paying yourself super? Yep. Okay. So you're doing the twelfth? Yep. Yeah. Lovely. Lovely. Alright. I have your expenditure for both of you as a family recorded as $3,000 a week. Does that include any mortgage repayments? Yep. That's okay. Beautiful. Yep. Okay. Any savings that you've been you've begun or anything like that? Yep. Yep. Okay. Alright. Alright. Now, Kim, I've got you down as a finance manager at St. Peter's Anglican Club. Lovely. And your wage is 96,000. Is that right? Okay. Lovely. Does that include super or plus super? Plus super? Lovely. And any additional contributions to super? Nope? Okay. Alright. And I have your home valued at 1,030,000 with a debt attached of $5.60. Does that sound right? Okay. Yeah. Okay. Lovely. We have an investment property victory valued at $4.20 with a debt of $3.37. Okay. Okay. Fantastic. And we have a car here valued at $26,000. Yep. Okay. A credit card with 6,000. Is that the balance or the debt? Yes. Okay. Do you know what the debt is against it if there's any? Right. Yep. Lovely. And we have a caravan as 45,000. Yep. Okay. Alright. Sorry. So with your estate planning, have you both managed to get your wills and powers of attorney drawn up yet? Oh, yep. Yep. So well, you are the first guys in a long time that have said yes. I'm very, very impressed. The basically, all of a a what a power of attorney does is it allows someone to make decisions on your behalf while you're still alive and you're incapable of doing so. So. Does that sound yep. Fantastic. I will update that. Okay. Now with your goals and objectives, I just wanna touch over those to make sure that they're still relevant because over time, we do see that some of them are completed, are not relevant anymore, and we need to update them. So your first goal was noted as reducing your debt, and at the same time, you have construction happening. You're building your 17 year old son a tiny house on the property and as as and also a shed. Wonderful. Alright. Okay. That's okay. Alright. And with the investment property, you have both said that you would like the investment properties pay the property paid off and being debt free and to do some more travel your house. Okay? That's fine. Yes. That's what I yeah. That's what I thought. I thought there might have been a typing error in there somewhere. Yep. Makes sense to me because when I read it, I was like, oh, it's usually the other way around. And to do some more travel around Australia and internationally. Yep. Yeah? What about yourself, Andrew? Same? Yep. Yes. I understand that. So with your superannuation, you both said you wanna get it working harder for you, but without taking too much risk. Is that still how you feel? Yeah. Lovely. Okay. And then you have an insurance goal here that just says if you wanna be covered if anything was to happen. Yeah. Yes. Yep. Yep. Perfect. So we'll go over those figures in not in a in a moment, to be honest with you, because it'll be in the review pack that I'm gonna send through just to see where it's sitting, that it's it's actually doing what you guys need it to do. Mhmm. Okay. Who's your old insurer? Resolution? Yep. Yep. That's okay. I've got we I think we do take care of it. It's just that we didn't write the policy. So that's fine. I've got that here. Okay. So alright. I'm just having a quick look. With your review frequency, are you both happy to keep it annually? Yeah? And you have got your estate planning done, which is fantastic. You Kim, on your policy, you your beneficiary is Andrew, but it's actually a a lapsing one, which means you've gotta renew it every three years. I was gonna suggest did you wanna look at changing that to non lapsing? Yep. It's probably it was probably more just a but at an administration box ticking error because they're right next to each other whether you want it lapsing or non lapsing. So I just picked up on that when I was just running my eyes over your file and your portfolio. So I thought did it? Okay. Let me look into that a little bit further. I will make sure that form comes out to you personally. With that, do you have access to a printer, or would you yeah? Because if I can email it to you and if you can print and sign it and send it back, that's the quickest way. Yep. Okay. Yep. You will need to get someone to witness it for you, though, Kim. So it can't be Andrew because he'll be the beneficiary, but you will need so you might have to do it at work. And yep. Just two witnesses need to. Alright. Now I'm looking at you guys are still a a little bit off retirement yet, but it's probably good to start thinking about what you do want in retirement. And we don't have to have this conversation today, but if you start thinking about age of retirement, like, the ideal age I have a note here that it was the goal is age 60 with an in ideal income of $1,500 a week. Well, it might it's probably more so just considering how we facilitate that as we get closer to retirement. So if if over the next probably the next twelve months and the review cycle, have a have a think I know that paying down your home is a priority and how you plan on achieving that, but we can start to look at building out plans for retirement in the next couple of years to help you track and see how you are tracking towards that and see what we need to do or adjust to to get you both there. Okay? So I'm going to send you an email. Do you have access to your emails at the moment? Of course. Yes, please. Yep. Yeah. We have do you want me to tell you what we have? Andrew..Hearn1970@Gmail dot com. Is that yeah? Okay. Okay. Yeah. Okay. Oh, really? Oh, that's weird. That's strange. Because we've definitely got this one on unless it might be the newsletter. If that you've signed up for the it might yeah. So the newsletter is run on a different type of platform. So I can make a note of that actually, and I'll see if the team can get that updated. Because, surely, I don't know how it works, but I'm sure there's somewhere in the background that they can go get that done. Okay. So you're gonna receive an email momentarily from myself, and it will say, oh, do sign as well. This is so when you open it up, it'll say sign here. Just open that. By clicking on that, you're just opening up some documents that we're gonna run through. You're not signing anything at the moment, so don't don't worry too much about that. And I'm gonna try my best to guess in what order the documents are in because when we do a couple, sometimes they're out of order. So I'm gonna I'm gonna give it a hot crack. So let me know when you got those documents open. Yep. It yeah. It should you should be able to access both documents, yours and Kim's, just through the one email. It's just that when you go to sign, you'll each have to sign from your own email. Right. Yes, please. That's just gonna open up a PDF group of documents that we're gonna talk through. Yep. So I'm hoping that the first document is a summary of superannuation and insurance for yourself, Andrew. Lovely. Okay. All this is is essentially a cover page telling us that your superannuation's with Hub. Your balance is approximately 246,424, and that your insurances are with Clearview for life insurance and TPD and income protection. So the life insurance, Kim, referring back to the repayment of debt before, the life insurance for Andrew sits at $552,875. So that cut that will cover the debt on the principal. Yep. Yep. And then you'll also have the funds from superannuation should anything happen to Andrew. Is that sufficient for you both? Okay. And, Andrew, your income protection policy, the sum insured sits at just over $4,500 a month with a thirty day waiting period and a two year benefit period, and that both all those policies are funded from super your superannuation. Now based on what you said your income is at about 110, you can look at increasing that income protection policy if you want, but you need to be able yeah. Okay. That's up to you. Okay. Beautiful. So I'm gonna navigate through a few screens here. And the next document I'm hoping is a cover page for Kim. Yes. Beautiful. So, Kim, again, as a as a cover page, your superannuation again is with Hub. Balance sitting at $221,785, and you've got some life insurance value with the sum in short of 729,480. So that, again, will cover the debt. Yeah. I'd be the same. I think my husband's insured for a little bit more. Yep. Okay. The next document should be a twelve month performance report from hub twenty four for Andrew. Yeah. So you're both invested in the the same type of portfolio, and both of your returns are gonna when I explain it, I'm gonna explain it because it's gonna be applicable to both your portfolios anyway. You'll see along the top, there's a Benelong Australian Equities Fund. That fund, you'll see, has had a significant underperformance. We're not reactive in relation to underperformance because markets fluctuate as we as we see daily. However, the Bennelong's investment mandate is that they identify underperforming oh, sorry, undervalued companies within the Australian share market for growth opportunities. Now the market trend in the last twelve months favored the bigger financial institutions and the resource sector. So the performance of Benny Bennelong was due to their investment mandate. Now Bennelong is also turning around, and they are in a positive return at the moment. However, as a company, our investment committee has decided that, Bennelong is not something we feel comfortable keeping in our clients' portfolios moving forward. So when I speak with clients, I just touch on the fact that I would like to, look at an alternative to that if you're okay with that. And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid. Nothing wrong with that investment at all. It's just that as of January 2027, the Australian banks, due to legislation changes, are phasing out the hybrid investment options. What it means is that I don't know what it's gonna be replaced with. Nobody does. And I would rather be a little bit more proactive in that respect and look at alternatives now rather than waiting to see while while it still is performing and providing great income. So if you're both comfortable with that, you both hold that in your portfolio. So I wanted so I ex I'll explain that to you both. But with your permission, I'd like to look at replace it alternatives to replace those. Yep. The remainder of your portfolio, we have no significant concerns about. You've got some exposure to the the all world, so America and the remainder of the world. You've got some economy different economy exposure there. You've got some global health and global cyber exposure, which gives you some access to some certain specific niche sectors that have actually performed really well recently. So with your portfolio as a whole, we're happy with it. It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio. So overall, for the last twelve months, Andrew, your portfolio returned 0.86%. The next one should actually be a six month portfolio performance for you, Andrew. Is can you see that one from March through to September? Yep. And that's just the report to show you that the port for even though Benelon is recovering and is sitting at now a 3.21% return, your portfolio is recovering for a six month return of 3.97, but a projected annualized return of 8%. So it's recovering. And but even though, as I mentioned before, Bennelong is back in the positive performance arena, it's still not something we're comfortable keeping. Kim, with yours, the exact same explanation, your portfolio in the twelve months did 1.01%, so a little bit more, and that would simply be based on the different amounts of money invested in the different investment options. And the month return for yourself, Kim, has been 6.22% with a project projected annualized return of 12.72%. So they're both tracking well even with Ben along in there, but we hope to get Ben along out of there and turn things around a little bit. The next document should be a Vanguard index chart, a bright red document. If you if you tell me what is what it is, I can find it find it in my screen. Lovely. Okay. Yeah. That's exactly right. So I what I use this document for is a bit of a educational chat tool in relation to how your funds are invested. So at the moment, you're both invested as balanced growth investors. That's a title that that we use to understand your tolerance to risk. So based on a balanced growth investor, what we would typically see is 70% of your assets allocated to the growth sector and 20 to the defensive. Defensive. So how this relates to the chart is those top four assets down the right hand side of the page being US shares, Australian shares, international shares, and listed property, they're your growth assets. And from the chart, you can see they're the ones that experience the most volatility and the ones that provide you growth over the long term. So you would have about 70% invested in that in those in across those four sectors with the remaining 30% across the defensive sector, which is bonds, being Australian and international, fixed interest, and cash. So you can see that they're the income producing expensive assets that help offset the volatility when the market is volatile. As a grow a balanced growth investor, you typically we expect an annualized return of anywhere between six to 8% with any from with volant volatility being anywhere plus or minus of 8%. So the volatility of a minus 8% is what we would say would be a a really, really bad year. But in a balanced growth portfolio, we would expect a one in six year negative return. So that doesn't mean it's gonna be a negative eight, but that's that's, like, up to the the level of volatility you could expect in that type of investment portfolio. And the minimum time frame to withstand the volatility is at least five years. So we would look at age to retirement. I know you both said sick it says 60, and I know that you both said that that's probably not going to happen. But when I go away and do my research on those funds, I'm gonna have a look at what it's projecting out at the moment for a time and for you both anyway. But at this stage, are you both happy to remain as balanced growth investors? The risk so if you wanna look look. There's no yep. I would look at your risk tolerance. So I'd ask you a few questions So I'll explain what the next one up is. And if you will if you wanna have a think of if you wanna think about it or get my for me to be able to make a recommendation, I need to ask you both questions just to understand your tolerance. But a growth portfolio would see you typically, which is the next one up, having 80% exposure to those growth assets with about 20% in your defensive. Your return, you're looking at about seven to nine averaged out. You're still experiencing probably one in every five years as a negative return with that volatility level being 11%. So another 3% in variance and at least a minimum of a six year time frame. So that minimum allows you to withstand those volatility those volatile periods. So if you for example, when COVID nineteen hit and everyone's superannuation took a massive nosedive And it was all over the news, and it was everywhere and everywhere. What was your reaction to that? Yep. Yep. Yep. Okay. So that that response there tells me that you probably can tolerate a little bit more risk. There's a couple of there is a formality that I have to complete to be able to make a recommendation. Do you have I don't it'll only take a couple of minutes. So you're not locked in for it. It's just that you would want at least a minimum of six years in with that hot slightly higher allocation to your growth assets to be able to benefit from it long term. So say, for example, we changed your risk profile, and in twelve months time, the top the market took a downturn, we you you need time that to be able to recover. So it and the and the brilliant part is with superannuation that a lot of people don't think of as well is in superannuation, you're actually utilizing a really cool and it's not it's not cool as in cool cool, but a really nice little strategy called dollar cost averaging. So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle. So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks. And then at other times, you might purchase funds when your when the market's already there at a high. So the benefit of dollar cost averaging is is you're actually buying funds buying investments at different stages and taking advantage of gross opportunities whether you know it or not. So you would need at least six years. So if you said from today, I wanna go a gross investor, I would say in six years' time being 2032, we would look at saying and it's obviously, it's not set in stone, but we probably wouldn't look at decreasing some of those assets down again until around then. Or if the market if it's at a time where the market's at a really great height, we could look at them decreasing again. But, typically, in the lead up to retirement, probably about three three to three years before retirement, we start to look at reducing exposure to growth assets, making sure that we've got a fair a fair allocation to income producing assets. We start to build the cash holding to fund future pension payments so that we don't have to sell those growth assets when you are in retirement. So it's a kind of a phased approach. Did you want me to complete that questionnaire, or are you happy to stay as balanced growth investors? Yeah? Okay. Yep. Yep. Okay. Alright. So no right or wrong answer. You can both have different answers, and I will keep it as brief as I can. We so the first question is, what is the most aggressive investment you have ever made? Has it been direct shares, managed funds, investment property, your own home, or a higher interest interest bank account. Yep. Yep. That's fine. Once investments have been placed, and we're talking about your superannuation here, how long would you how long would it be before you would need to access it? Longer than ten years, between seven to nine years, or between four to six, two to three, and less than two? Yep. What about yourself, Kim? Me too. Me too. Okay. So the next question is inflation means things are getting more expensive over time, which makes our money worth less or today's money worth less. How much risk are you willing to take to keep up with rising prices? Are you willing to accept a very high risk to outpace relation inflation? A high risk to outpace inflation. Moderate, a small amount, or no risk. Mhmm. What about yourself, Kim? Yep. So are you saying hi? Yep. And, Andrew, you're moderate? Yep. Okay. Okay. If in the next six months after investing, you found out that your portfolio decreased by 20% due to the general trends in the financial market, so that's being that chart I showed you, the general trends, would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses? Yep. Yep. So do you think you would hold and wait? Or or yeah. Or hold and get seek advice? Yep. Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above per annum, six to eight, four to six, two to four, or zero to two. Yep. Yep. Okay. Have your investments, including superannuation, ever dropped in value, and how did it make you feel? I think we've probably answered this question by before with my COVID example, but I have to ask anyway. Are you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? Beautiful. And the last question is, have you ever thought about taking out a loan to invest outside of an investment property? Nope. Beautiful. Okay. So you've actually scored as growth investors. So I actually have no issues in recommending that you up your your risk profile a little to go take a little bit take on a little bit more growth. You understand the market. You're you don't seem emotionally reactive to markets market movement, and you understand it. So I think that I I could definitely recommend you change to a gross risk profile and take on a little bit more exposure to those gross assets to help you build that portfolio as well. Are you happy for me to may have a little bit of a when I because I've got I'm reviewing those investment options anyway, so part of that would form me looking at a different not necessarily a different, but a little bit more exposure to growth? Lovely. Okay. The next document should be a certificate of currency for insurance, if I'm correct. I'm just navigating through. I've got all your documents on one screen, so it won't be a sec. And it should be ClearView for yourself, Andrew. Yep. It's basically confirming what we discussed on the cover page. It's just the certificate of currency. What it means is that your policy is enforced, paid, and in place. And the next one for yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information. No? Okay. I can't see it either. I'm just through. Give me one sec. I'll jump into to your folder, Kim, and double check. It might be that it wasn't generated. So I can have I'm just jumping into the resolution life portal right now. I press the wrong button. I can get that generated and sent through to you, post our meetings. But I would at least like to be able to confirm with you on the phone that it's actually in force. There we go. Actually, we might not manage that, Kim. It might be. We can take it over and have it all as one if you like. Like, it it would stay with Resolution Life. We can take it over if you like, so it's part forms part of your review. Because I'm just logging in, having a look. There should be no reason why we cannot because all it does is it transfers over to us as a business, and we just manage it for you. Yeah. Alright. Let me look into that. I'm gonna make a note of that to see if we can. So I'll get one of my colleagues onto that. It'd just be a form that you'd need to sign. Okay. So my apologies about that. I gave you the information there, Kim. The next document should be a financial services guide. Yep. That's a legal document. It's been updated as of June. So every time we update it, we give our clients a new one. Same information remains, who we are, what we do, the advice we provide, how we provide it, fees. And the most important part of that document is actually the compliance the compliance the complaints process. So the document is always available on the website, but we do include it in our review packs to make sure that clients have it and are aware of it. The next document, I'm going to rely on you to tell me what it is because I'm not sure which order they've put the last slot in. Okay. Is that for Andrew or Kim? Lovely. Okay. I'll get the right one up. So you'll both have one of these. Because you're invested as a couple, you get the discounted fee rate of 1.1%. Andrew, your annual fee, even though it's a percent based fee, what we do is it's fixed. So it will be based on the one balance and then deducted monthly. So that works out to be $225.89 a month. Previously, it would fluctuate with the market. It'd be just the percent based fee, but that that doesn't provide a lot of transparency for clients. And our aim is to provide transparency and consistency so you know what your fee is. And just because the market's performing well one month, that doesn't necessarily mean that we should get paid more that month. That should be yours. So we've changed our fee structure to be it's based on a calculated on a percent, but then it's set as an annual fee. Kim, yours should be the next one. So your fee is $2,439.64 per month, same arrangement as I just explained, and that would equate to $203.30 per month, and they're both deducted from your superannuation balance on a monthly basis. The next document is is it? Yep. Okay. Fantastic. That means that the tax file number forms and all that have already been done previously, so that's great. So, basically, following all that, do you have any questions? Yes. Mhmm. Yes. So if you were to sell yep. Yep. And claim it as a tax deduction? Yep. Yep. It's all about timing. Yeah. Yep. We correct. So it serves two it serves two purposes. It's a it's a very common strategy used to offset capital gains tax because the superannual so it's gotta be timed correctly. So and by saying that, you wouldn't wanna be selling a property on either side very close to the financial year because you could actually do yourself an injustice if depending on when settlement is and if you can't get the money into super quick enough. So you wouldn't wanna do it too close to the thirtieth of June just with that that risk there. You'd be better off either pushing it out to the next financial year if that was. But you we will we can talk you through that and say, you know, these are gonna be the cutoff dates for money to be put into super because every super fund has a cutoff date where they'll accept it. Yeah. When you're considering it, we will do that's definite I can definitely help with that. I've done that many, many times. Your accountant is very good for mentioning it and bringing it up. So, yeah, when that time does come, we would put we would work with your accountant to I would like to speak with him with your permission, him or her, sorry, to say he could provide they could provide the the tax implications or estimates that you'd be facing, and then we can work with them to make sure that the corrected money's amount of money's put in to offset that capital gains as much as possible. And then the remainder, you depending on the time frame, you may not want to put into superannuation if you're unable to access it for still another couple of years. So well, you are well, you can only you will be limited to the amount you can put in based on, like yeah. But don't forget that your your employer contributions reduce that 30,000 each year as well. So hasn't yeah. Yep. Yep. But but the capital gain will be applied evenly to each of you. So he won't be able to apply any of his tax offsets to you. So just depending on how how the house is is is purchased and structured. But we would we would deep dive and do that then. But it's definitely a strategy it's definitely a strategy you can employ when that time comes. Yeah. Alright. Fantastic. Well, what my homework from here is is I'm going to go and do some investment research and do what we call an advice document. While I've both got you on the phone, I will need another meeting with you both just to present that advice just because we're changing the risk profile a little bit and the investments. Andrew, how long are you still off work for? Yep. Okay. If I looked at the week beginning the October 5, do you both prefer an evening? I've got Thursday, the eighth available. Yep. Yep. So 05:30 again? Okay. Alright. I'm gonna lock that in. I will send you both a calendar invite tomorrow to so that you have that in your calendar. And I'll also make sure that we get some information on that resolution live and see how we can get that over to us. Yes. Yep. Then we'll chat we'll change it to a non lapse thing so it doesn't lapse. Yeah. Yep. We'll get all that sorted for you. And then in the meantime, any questions, reach out. And if you're happy to sign those ongoing consent forms, so I'll ask you to do that when you're happy and ready if you are, and we'll go from there. Sorry? I've never yep. I've never actually done it myself, to be honest. It's I think it's it's supposed to be yeah. Okay. Alright. Let's have a look. I'll tell you if it worked because I think I usually it usually comes through pretty quickly. It's supposed to be pretty user friendly. So fingers crossed that is for you. It will come through as it does anyway. If there's any issues, one of my colleagues will reach out to you to let you know. But I will be speaking with you both on the eighth to present that advice and make those changes to your portfolio. Is that okay? Yep. Beautiful. Alright. Fantastic. Well, if you have any questions, please, again, in the meantime, just give me a call. Otherwise, I look forward to speaking to you both in about two weeks. Beautiful. Thank you so much. Have a awesome evening. Okay. Bye. 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Andrew. It's Jenna here finding from Oakview Financial. How are you today? That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? Yeah. And, Andrew, just before I do go any further, I just need to get you to confirm your full name, date of birth, and address, please. Fantastic. Thank you for that.\n\nI'm just phoning for yours and Kim's annual review. Do you have time to do that now? Yeah? Oh, wonderful. Is Kim with you?\n\nYeah. I just need to I I have to ID Kim as well just to make sure that I'm speaking with the right people even though I called you. But, Kim, can I please ask you to provide your full name, date of birth, and address, please? Lovely. Thank you, Kim.\n\nOkay. How are you both doing today? Yeah? That's good. How are you going with the knee recovery?\n\nYeah. Oh, that's good. Progress is progress, so that's good. Okay. Alright.\n\nWith part of the annual review, what I'd like to do to just start with is just check-in with you both and see if there are any significant changes to your personal or financial situation that we need to focus on? Yeah. Yep. Yep. Mhmm.\n\nYep. Yeah. Yep. Okay. Okay.\n\nI'm just making some notes on that. Beautiful. Alright. Made a note. So when I get down to the occupation side of things, I can just ask a couple more questions, but that is fine.\n\nNow sorry. I'm on the wrong page. There we go. Okay. So what I wanna do, Andrew, I might start with you, is just quickly run through the details that I have on file to make sure that it's all still relevant and correct.\n\nAnd then, Kim, I'll do the same with yourself. With I've got no financial dependence listed here for you both, but you do you have children adult children? Yeah? How many? Yep.\n\nOkay. Lovely. Yeah. Okay. Yeah.\n\nOh, okay. Lovely. Oh, that's good. It's always good to start early. Get ahead.\n\nYeah. Okay. So I've got you as a carpenter. So this the house build, are you employed full time contracting to them? Yep.\n\nYes. Okay. And how much are you earning from that? Okay. Okay.\n\nThat's okay. Alright. And the super side of things, as a sole trader, are you paying yourself super? Yep. Okay.\n\nSo you're doing the twelfth? Yep. Yeah. Lovely. Lovely.\n\nAlright. I have your expenditure for both of you as a family recorded as $3,000 a week. Does that include any mortgage repayments? Yep. That's okay.\n\nBeautiful. Yep. Okay. Any savings that you've been you've begun or anything like that? Yep.\n\nYep. Okay. Alright. Alright. Now, Kim, I've got you down as a finance manager at St.\n\nPeter's Anglican Club. Lovely. And your wage is 96,000. Is that right? Okay.\n\nLovely. Does that include super or plus super? Plus super? Lovely. And any additional contributions to super?\n\nNope? Okay. Alright. And I have your home valued at 1,030,000 with a debt attached of $5.60. Does that sound right?\n\nOkay. Yeah. Okay. Lovely. We have an investment property victory valued at $4.20 with a debt of $3.37.\n\nOkay. Okay. Fantastic. And we have a car here valued at $26,000. Yep.\n\nOkay. A credit card with 6,000. Is that the balance or the debt? Yes. Okay.\n\nDo you know what the debt is against it if there's any? Right. Yep. Lovely. And we have a caravan as 45,000.\n\nYep. Okay. Alright. Sorry. So with your estate planning, have you both managed to get your wills and powers of attorney drawn up yet?\n\nOh, yep. Yep. So well, you are the first guys in a long time that have said yes. I'm very, very impressed. The basically, all of a a what a power of attorney does is it allows someone to make decisions on your behalf while you're still alive and you're incapable of doing so.\n\nSo. Does that sound yep. Fantastic. I will update that. Okay.\n\nNow with your goals and objectives, I just wanna touch over those to make sure that they're still relevant because over time, we do see that some of them are completed, are not relevant anymore, and we need to update them. So your first goal was noted as reducing your debt, and at the same time, you have construction happening. You're building your 17 year old son a tiny house on the property and as as and also a shed. Wonderful. Alright.\n\nOkay. That's okay. Alright. And with the investment property, you have both said that you would like the investment properties pay the property paid off and being debt free and to do some more travel your house. Okay?\n\nThat's fine. Yes. That's what I yeah. That's what I thought. I thought there might have been a typing error in there somewhere.\n\nYep. Makes sense to me because when I read it, I was like, oh, it's usually the other way around. And to do some more travel around Australia and internationally. Yep. Yeah?\n\nWhat about yourself, Andrew? Same? Yep. Yes. I understand that.\n\nSo with your superannuation, you both said you wanna get it working harder for you, but without taking too much risk. Is that still how you feel? Yeah. Lovely. Okay.\n\nAnd then you have an insurance goal here that just says if you wanna be covered if anything was to happen. Yeah. Yes. Yep. Yep.\n\nPerfect. So we'll go over those figures in not in a in a moment, to be honest with you, because it'll be in the review pack that I'm gonna send through just to see where it's sitting, that it's it's actually doing what you guys need it to do. Mhmm. Okay. Who's your old insurer?\n\nResolution? Yep. Yep. That's okay. I've got we I think we do take care of it.\n\nIt's just that we didn't write the policy. So that's fine. I've got that here. Okay. So alright.\n\nI'm just having a quick look. With your review frequency, are you both happy to keep it annually? Yeah? And you have got your estate planning done, which is fantastic. You Kim, on your policy, you your beneficiary is Andrew, but it's actually a a lapsing one, which means you've gotta renew it every three years.\n\nI was gonna suggest did you wanna look at changing that to non lapsing? Yep. It's probably it was probably more just a but at an administration box ticking error because they're right next to each other whether you want it lapsing or non lapsing. So I just picked up on that when I was just running my eyes over your file and your portfolio. So I thought did it?\n\nOkay. Let me look into that a little bit further. I will make sure that form comes out to you personally. With that, do you have access to a printer, or would you yeah? Because if I can email it to you and if you can print and sign it and send it back, that's the quickest way.\n\nYep. Okay. Yep. You will need to get someone to witness it for you, though, Kim. So it can't be Andrew because he'll be the beneficiary, but you will need so you might have to do it at work.\n\nAnd yep. Just two witnesses need to. Alright. Now I'm looking at you guys are still a a little bit off retirement yet, but it's probably good to start thinking about what you do want in retirement. And we don't have to have this conversation today, but if you start thinking about age of retirement, like, the ideal age I have a note here that it was the goal is age 60 with an in ideal income of $1,500 a week.\n\nWell, it might it's probably more so just considering how we facilitate that as we get closer to retirement. So if if over the next probably the next twelve months and the review cycle, have a have a think I know that paying down your home is a priority and how you plan on achieving that, but we can start to look at building out plans for retirement in the next couple of years to help you track and see how you are tracking towards that and see what we need to do or adjust to to get you both there. Okay? So I'm going to send you an email. Do you have access to your emails at the moment?\n\nOf course. Yes, please. Yep. Yeah. We have do you want me to tell you what we have?\n\nAndrew..Hearn1970@Gmail dot com. Is that yeah? Okay. Okay. Yeah.\n\nOkay. Oh, really? Oh, that's weird. That's strange. Because we've definitely got this one on unless it might be the newsletter.\n\nIf that you've signed up for the it might yeah. So the newsletter is run on a different type of platform. So I can make a note of that actually, and I'll see if the team can get that updated. Because, surely, I don't know how it works, but I'm sure there's somewhere in the background that they can go get that done. Okay.\n\nSo you're gonna receive an email momentarily from myself, and it will say, oh, do sign as well. This is so when you open it up, it'll say sign here. Just open that. By clicking on that, you're just opening up some documents that we're gonna run through. You're not signing anything at the moment, so don't don't worry too much about that.\n\nAnd I'm gonna try my best to guess in what order the documents are in because when we do a couple, sometimes they're out of order. So I'm gonna I'm gonna give it a hot crack. So let me know when you got those documents open. Yep. It yeah.\n\nIt should you should be able to access both documents, yours and Kim's, just through the one email. It's just that when you go to sign, you'll each have to sign from your own email. Right. Yes, please. That's just gonna open up a PDF group of documents that we're gonna talk through.\n\nYep. So I'm hoping that the first document is a summary of superannuation and insurance for yourself, Andrew. Lovely. Okay. All this is is essentially a cover page telling us that your superannuation's with Hub.\n\nYour balance is approximately 246,424, and that your insurances are with Clearview for life insurance and TPD and income protection. So the life insurance, Kim, referring back to the repayment of debt before, the life insurance for Andrew sits at $552,875. So that cut that will cover the debt on the principal. Yep. Yep.\n\nAnd then you'll also have the funds from superannuation should anything happen to Andrew. Is that sufficient for you both? Okay. And, Andrew, your income protection policy, the sum insured sits at just over $4,500 a month with a thirty day waiting period and a two year benefit period, and that both all those policies are funded from super your superannuation. Now based on what you said your income is at about 110, you can look at increasing that income protection policy if you want, but you need to be able yeah.\n\nOkay. That's up to you. Okay. Beautiful. So I'm gonna navigate through a few screens here.\n\nAnd the next document I'm hoping is a cover page for Kim. Yes. Beautiful. So, Kim, again, as a as a cover page, your superannuation again is with Hub. Balance sitting at $221,785, and you've got some life insurance value with the sum in short of 729,480.\n\nSo that, again, will cover the debt. Yeah. I'd be the same. I think my husband's insured for a little bit more. Yep.\n\nOkay. The next document should be a twelve month performance report from hub twenty four for Andrew. Yeah. So you're both invested in the the same type of portfolio, and both of your returns are gonna when I explain it, I'm gonna explain it because it's gonna be applicable to both your portfolios anyway. You'll see along the top, there's a Benelong Australian Equities Fund.\n\nThat fund, you'll see, has had a significant underperformance. We're not reactive in relation to underperformance because markets fluctuate as we as we see daily. However, the Bennelong's investment mandate is that they identify underperforming oh, sorry, undervalued companies within the Australian share market for growth opportunities. Now the market trend in the last twelve months favored the bigger financial institutions and the resource sector. So the performance of Benny Bennelong was due to their investment mandate.\n\nNow Bennelong is also turning around, and they are in a positive return at the moment. However, as a company, our investment committee has decided that, Bennelong is not something we feel comfortable keeping in our clients' portfolios moving forward. So when I speak with clients, I just touch on the fact that I would like to, look at an alternative to that if you're okay with that. And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid. Nothing wrong with that investment at all.\n\nIt's just that as of January 2027, the Australian banks, due to legislation changes, are phasing out the hybrid investment options. What it means is that I don't know what it's gonna be replaced with. Nobody does. And I would rather be a little bit more proactive in that respect and look at alternatives now rather than waiting to see while while it still is performing and providing great income. So if you're both comfortable with that, you both hold that in your portfolio.\n\nSo I wanted so I ex I'll explain that to you both. But with your permission, I'd like to look at replace it alternatives to replace those. Yep. The remainder of your portfolio, we have no significant concerns about. You've got some exposure to the the all world, so America and the remainder of the world.\n\nYou've got some economy different economy exposure there. You've got some global health and global cyber exposure, which gives you some access to some certain specific niche sectors that have actually performed really well recently. So with your portfolio as a whole, we're happy with it. It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio. So overall, for the last twelve months, Andrew, your portfolio returned 0.86%.\n\nThe next one should actually be a six month portfolio performance for you, Andrew. Is can you see that one from March through to September? Yep. And that's just the report to show you that the port for even though Benelon is recovering and is sitting at now a 3.21% return, your portfolio is recovering for a six month return of 3.97, but a projected annualized return of 8%. So it's recovering.\n\nAnd but even though, as I mentioned before, Bennelong is back in the positive performance arena, it's still not something we're comfortable keeping. Kim, with yours, the exact same explanation, your portfolio in the twelve months did 1.01%, so a little bit more, and that would simply be based on the different amounts of money invested in the different investment options. And the month return for yourself, Kim, has been 6.22% with a project projected annualized return of 12.72%. So they're both tracking well even with Ben along in there, but we hope to get Ben along out of there and turn things around a little bit. The next document should be a Vanguard index chart, a bright red document.\n\nIf you if you tell me what is what it is, I can find it find it in my screen. Lovely. Okay. Yeah. That's exactly right.\n\nSo I what I use this document for is a bit of a educational chat tool in relation to how your funds are invested. So at the moment, you're both invested as balanced growth investors. That's a title that that we use to understand your tolerance to risk. So based on a balanced growth investor, what we would typically see is 70% of your assets allocated to the growth sector and 20 to the defensive. Defensive.\n\nSo how this relates to the chart is those top four assets down the right hand side of the page being US shares, Australian shares, international shares, and listed property, they're your growth assets. And from the chart, you can see they're the ones that experience the most volatility and the ones that provide you growth over the long term. So you would have about 70% invested in that in those in across those four sectors with the remaining 30% across the defensive sector, which is bonds, being Australian and international, fixed interest, and cash. So you can see that they're the income producing expensive assets that help offset the volatility when the market is volatile. As a grow a balanced growth investor, you typically we expect an annualized return of anywhere between six to 8% with any from with volant volatility being anywhere plus or minus of 8%.\n\nSo the volatility of a minus 8% is what we would say would be a a really, really bad year. But in a balanced growth portfolio, we would expect a one in six year negative return. So that doesn't mean it's gonna be a negative eight, but that's that's, like, up to the the level of volatility you could expect in that type of investment portfolio. And the minimum time frame to withstand the volatility is at least five years. So we would look at age to retirement.\n\nI know you both said sick it says 60, and I know that you both said that that's probably not going to happen. But when I go away and do my research on those funds, I'm gonna have a look at what it's projecting out at the moment for a time and for you both anyway. But at this stage, are you both happy to remain as balanced growth investors? The risk so if you wanna look look. There's no yep.\n\nI would look at your risk tolerance. So I'd ask you a few questions So I'll explain what the next one up is. And if you will if you wanna have a think of if you wanna think about it or get my for me to be able to make a recommendation, I need to ask you both questions just to understand your tolerance. But a growth portfolio would see you typically, which is the next one up, having 80% exposure to those growth assets with about 20% in your defensive. Your return, you're looking at about seven to nine averaged out.\n\nYou're still experiencing probably one in every five years as a negative return with that volatility level being 11%. So another 3% in variance and at least a minimum of a six year time frame. So that minimum allows you to withstand those volatility those volatile periods. So if you for example, when COVID nineteen hit and everyone's superannuation took a massive nosedive And it was all over the news, and it was everywhere and everywhere. What was your reaction to that?\n\nYep. Yep. Yep. Okay. So that that response there tells me that you probably can tolerate a little bit more risk.\n\nThere's a couple of there is a formality that I have to complete to be able to make a recommendation. Do you have I don't it'll only take a couple of minutes. So you're not locked in for it. It's just that you would want at least a minimum of six years in with that hot slightly higher allocation to your growth assets to be able to benefit from it long term. So say, for example, we changed your risk profile, and in twelve months time, the top the market took a downturn, we you you need time that to be able to recover.\n\nSo it and the and the brilliant part is with superannuation that a lot of people don't think of as well is in superannuation, you're actually utilizing a really cool and it's not it's not cool as in cool cool, but a really nice little strategy called dollar cost averaging. So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle. So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks. And then at other times, you might purchase funds when your when the market's already there at a high. So the benefit of dollar cost averaging is is you're actually buying funds buying investments at different stages and taking advantage of gross opportunities whether you know it or not.\n\nSo you would need at least six years. So if you said from today, I wanna go a gross investor, I would say in six years' time being 2032, we would look at saying and it's obviously, it's not set in stone, but we probably wouldn't look at decreasing some of those assets down again until around then. Or if the market if it's at a time where the market's at a really great height, we could look at them decreasing again. But, typically, in the lead up to retirement, probably about three three to three years before retirement, we start to look at reducing exposure to growth assets, making sure that we've got a fair a fair allocation to income producing assets. We start to build the cash holding to fund future pension payments so that we don't have to sell those growth assets when you are in retirement.\n\nSo it's a kind of a phased approach. Did you want me to complete that questionnaire, or are you happy to stay as balanced growth investors? Yeah? Okay. Yep.\n\nYep. Okay. Alright. So no right or wrong answer. You can both have different answers, and I will keep it as brief as I can.\n\nWe so the first question is, what is the most aggressive investment you have ever made? Has it been direct shares, managed funds, investment property, your own home, or a higher interest interest bank account. Yep. Yep. That's fine.\n\nOnce investments have been placed, and we're talking about your superannuation here, how long would you how long would it be before you would need to access it? Longer than ten years, between seven to nine years, or between four to six, two to three, and less than two? Yep. What about yourself, Kim? Me too.\n\nMe too. Okay. So the next question is inflation means things are getting more expensive over time, which makes our money worth less or today's money worth less. How much risk are you willing to take to keep up with rising prices? Are you willing to accept a very high risk to outpace relation inflation?\n\nA high risk to outpace inflation. Moderate, a small amount, or no risk. Mhmm. What about yourself, Kim? Yep.\n\nSo are you saying hi? Yep. And, Andrew, you're moderate? Yep. Okay.\n\nOkay. If in the next six months after investing, you found out that your portfolio decreased by 20% due to the general trends in the financial market, so that's being that chart I showed you, the general trends, would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses? Yep. Yep. So do you think you would hold and wait?\n\nOr or yeah. Or hold and get seek advice? Yep. Yep. Okay.\n\nWhat kind of return do you expect to get from your investments over the long term? 8% above per annum, six to eight, four to six, two to four, or zero to two. Yep. Yep. Okay.\n\nHave your investments, including superannuation, ever dropped in value, and how did it make you feel? I think we've probably answered this question by before with my COVID example, but I have to ask anyway. Are you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? Beautiful. And the last question is, have you ever thought about taking out a loan to invest outside of an investment property?\n\nNope. Beautiful. Okay. So you've actually scored as growth investors. So I actually have no issues in recommending that you up your your risk profile a little to go take a little bit take on a little bit more growth.\n\nYou understand the market. You're you don't seem emotionally reactive to markets market movement, and you understand it. So I think that I I could definitely recommend you change to a gross risk profile and take on a little bit more exposure to those gross assets to help you build that portfolio as well. Are you happy for me to may have a little bit of a when I because I've got I'm reviewing those investment options anyway, so part of that would form me looking at a different not necessarily a different, but a little bit more exposure to growth? Lovely.\n\nOkay. The next document should be a certificate of currency for insurance, if I'm correct. I'm just navigating through. I've got all your documents on one screen, so it won't be a sec. And it should be ClearView for yourself, Andrew.\n\nYep. It's basically confirming what we discussed on the cover page. It's just the certificate of currency. What it means is that your policy is enforced, paid, and in place. And the next one for yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information.\n\nNo? Okay. I can't see it either. I'm just through. Give me one sec.\n\nI'll jump into to your folder, Kim, and double check. It might be that it wasn't generated. So I can have I'm just jumping into the resolution life portal right now. I press the wrong button. I can get that generated and sent through to you, post our meetings.\n\nBut I would at least like to be able to confirm with you on the phone that it's actually in force. There we go. Actually, we might not manage that, Kim. It might be. We can take it over and have it all as one if you like.\n\nLike, it it would stay with Resolution Life. We can take it over if you like, so it's part forms part of your review. Because I'm just logging in, having a look. There should be no reason why we cannot because all it does is it transfers over to us as a business, and we just manage it for you. Yeah.\n\nAlright. Let me look into that. I'm gonna make a note of that to see if we can. So I'll get one of my colleagues onto that. It'd just be a form that you'd need to sign.\n\nOkay. So my apologies about that. I gave you the information there, Kim. The next document should be a financial services guide. Yep.\n\nThat's a legal document. It's been updated as of June. So every time we update it, we give our clients a new one. Same information remains, who we are, what we do, the advice we provide, how we provide it, fees. And the most important part of that document is actually the compliance the compliance the complaints process.\n\nSo the document is always available on the website, but we do include it in our review packs to make sure that clients have it and are aware of it. The next document, I'm going to rely on you to tell me what it is because I'm not sure which order they've put the last slot in. Okay. Is that for Andrew or Kim? Lovely.\n\nOkay. I'll get the right one up. So you'll both have one of these. Because you're invested as a couple, you get the discounted fee rate of 1.1%. Andrew, your annual fee, even though it's a percent based fee, what we do is it's fixed.\n\nSo it will be based on the one balance and then deducted monthly. So that works out to be $225.89 a month. Previously, it would fluctuate with the market. It'd be just the percent based fee, but that that doesn't provide a lot of transparency for clients. And our aim is to provide transparency and consistency so you know what your fee is.\n\nAnd just because the market's performing well one month, that doesn't necessarily mean that we should get paid more that month. That should be yours. So we've changed our fee structure to be it's based on a calculated on a percent, but then it's set as an annual fee. Kim, yours should be the next one. So your fee is $2,439.64 per month, same arrangement as I just explained, and that would equate to $203.30 per month, and they're both deducted from your superannuation balance on a monthly basis.\n\nThe next document is is it? Yep. Okay. Fantastic. That means that the tax file number forms and all that have already been done previously, so that's great.\n\nSo, basically, following all that, do you have any questions? Yes. Mhmm. Yes. So if you were to sell yep.\n\nYep. And claim it as a tax deduction? Yep. Yep. It's all about timing.\n\nYeah. Yep. We correct. So it serves two it serves two purposes. It's a it's a very common strategy used to offset capital gains tax because the superannual so it's gotta be timed correctly.\n\nSo and by saying that, you wouldn't wanna be selling a property on either side very close to the financial year because you could actually do yourself an injustice if depending on when settlement is and if you can't get the money into super quick enough. So you wouldn't wanna do it too close to the thirtieth of June just with that that risk there. You'd be better off either pushing it out to the next financial year if that was. But you we will we can talk you through that and say, you know, these are gonna be the cutoff dates for money to be put into super because every super fund has a cutoff date where they'll accept it. Yeah.\n\nWhen you're considering it, we will do that's definite I can definitely help with that. I've done that many, many times. Your accountant is very good for mentioning it and bringing it up. So, yeah, when that time does come, we would put we would work with your accountant to I would like to speak with him with your permission, him or her, sorry, to say he could provide they could provide the the tax implications or estimates that you'd be facing, and then we can work with them to make sure that the corrected money's amount of money's put in to offset that capital gains as much as possible. And then the remainder, you depending on the time frame, you may not want to put into superannuation if you're unable to access it for still another couple of years.\n\nSo well, you are well, you can only you will be limited to the amount you can put in based on, like yeah. But don't forget that your your employer contributions reduce that 30,000 each year as well. So hasn't yeah. Yep. Yep.\n\nBut but the capital gain will be applied evenly to each of you. So he won't be able to apply any of his tax offsets to you. So just depending on how how the house is is is purchased and structured. But we would we would deep dive and do that then. But it's definitely a strategy it's definitely a strategy you can employ when that time comes.\n\nYeah. Alright. Fantastic. Well, what my homework from here is is I'm going to go and do some investment research and do what we call an advice document. While I've both got you on the phone, I will need another meeting with you both just to present that advice just because we're changing the risk profile a little bit and the investments.\n\nAndrew, how long are you still off work for? Yep. Okay. If I looked at the week beginning the October 5, do you both prefer an evening? I've got Thursday, the eighth available.\n\nYep. Yep. So 05:30 again? Okay. Alright.\n\nI'm gonna lock that in. I will send you both a calendar invite tomorrow to so that you have that in your calendar. And I'll also make sure that we get some information on that resolution live and see how we can get that over to us. Yes. Yep.\n\nThen we'll chat we'll change it to a non lapse thing so it doesn't lapse. Yeah. Yep. We'll get all that sorted for you. And then in the meantime, any questions, reach out.\n\nAnd if you're happy to sign those ongoing consent forms, so I'll ask you to do that when you're happy and ready if you are, and we'll go from there. Sorry? I've never yep. I've never actually done it myself, to be honest. It's I think it's it's supposed to be yeah.\n\nOkay. Alright. Let's have a look. I'll tell you if it worked because I think I usually it usually comes through pretty quickly. It's supposed to be pretty user friendly.\n\nSo fingers crossed that is for you. It will come through as it does anyway. If there's any issues, one of my colleagues will reach out to you to let you know. But I will be speaking with you both on the eighth to present that advice and make those changes to your portfolio. Is that okay?\n\nYep. Beautiful. Alright. Fantastic. Well, if you have any questions, please, again, in the meantime, just give me a call.\n\nOtherwise, I look forward to speaking to you both in about two weeks. Beautiful. Thank you so much. Have a awesome evening. Okay.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Andrew.","start":4.08,"end":4.96,"sentiment":"neutral","sentiment_score":0.22532518208026886},{"text":"It's Jenna here finding from Oakview Financial.","start":4.96,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23556525366646902},{"text":"How are you today?","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":0.26499319821596146},{"text":"That's good.","start":10.559999,"end":11.62,"sentiment":"positive","sentiment_score":0.5974585711956024},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":11.84,"end":16.775,"sentiment":"neutral","sentiment_score":0.06326318856166757}],"sentiment":"neutral","sentiment_score":0.152882905578927,"num_words":38,"start":4.08,"end":16.775},{"sentences":[{"text":"Is that okay?","start":16.994999,"end":17.895,"sentiment":"neutral","sentiment_score":0.05644660318891207},{"text":"Yeah.","start":19.315,"end":19.815,"sentiment":"neutral","sentiment_score":0.04270432889461517},{"text":"And, Andrew, just before I do go any further, I just need to get you to confirm your full name, date of birth, and address, please.","start":20.755001,"end":27.175,"sentiment":"neutral","sentiment_score":0.029593377087551814},{"text":"Fantastic.","start":36.5,"end":37.0,"sentiment":"positive","sentiment_score":0.5736950635910034},{"text":"Thank you for that.","start":37.14,"end":38.28,"sentiment":"positive","sentiment_score":0.6048837751150131}],"sentiment":"neutral","sentiment_score":0.11356291733682156,"num_words":35,"start":16.994999,"end":38.28},{"sentences":[{"text":"I'm just phoning for yours and Kim's annual review.","start":38.5,"end":41.86,"sentiment":"neutral","sentiment_score":0.2727670520544052},{"text":"Do you have time to do that now?","start":41.86,"end":43.585,"sentiment":"neutral","sentiment_score":0.07077060965821147},{"text":"Yeah?","start":44.925,"end":45.325,"sentiment":"neutral","sentiment_score":0.06098196655511856},{"text":"Oh, wonderful.","start":45.325,"end":46.145,"sentiment":"neutral","sentiment_score":0.24410586059093475},{"text":"Is Kim with you?","start":46.525,"end":48.065,"sentiment":"neutral","sentiment_score":0.1105126179754734}],"sentiment":"neutral","sentiment_score":0.1671796877247592,"num_words":24,"start":38.5,"end":48.065},{"sentences":[{"text":"Yeah.","start":50.364998,"end":50.765,"sentiment":"neutral","sentiment_score":-0.01396334543824196},{"text":"I just need to I I have to ID Kim as well just to make sure that I'm speaking with the right people even though I called you.","start":50.765,"end":60.58,"sentiment":"neutral","sentiment_score":-0.04727196314239076},{"text":"But, Kim, can I please ask you to provide your full name, date of birth, and address, please?","start":60.58,"end":67.56,"sentiment":"neutral","sentiment_score":0.0028517240554922158},{"text":"Lovely.","start":73.395004,"end":73.875,"sentiment":"positive","sentiment_score":0.38482993841171265},{"text":"Thank you, Kim.","start":73.875,"end":74.935,"sentiment":"positive","sentiment_score":0.445039560397466}],"sentiment":"neutral","sentiment_score":0.008503947827015437,"num_words":51,"start":50.364998,"end":74.935},{"sentences":[{"text":"Okay.","start":75.795,"end":76.295,"sentiment":"neutral","sentiment_score":0.30675074458122253},{"text":"How are you both doing today?","start":76.355,"end":77.735,"sentiment":"neutral","sentiment_score":0.25380197664101917},{"text":"Yeah?","start":79.555,"end":80.055,"sentiment":"neutral","sentiment_score":0.1215512603521347},{"text":"That's good.","start":80.115,"end":80.88,"sentiment":"neutral","sentiment_score":0.20339762419462204},{"text":"How are you going with the knee recovery?","start":80.96,"end":82.979996,"sentiment":"neutral","sentiment_score":0.14272795338183641}],"sentiment":"neutral","sentiment_score":0.19442959667907822,"num_words":18,"start":75.795,"end":82.979996},{"sentences":[{"text":"Yeah.","start":85.28,"end":85.78,"sentiment":"neutral","sentiment_score":0.03258449584245682},{"text":"Oh, that's good.","start":89.03999,"end":90.259995,"sentiment":"neutral","sentiment_score":0.20016715923945108},{"text":"Progress is progress, so that's good.","start":92.079994,"end":94.659996,"sentiment":"neutral","sentiment_score":0.17169735580682755},{"text":"Okay.","start":96.135,"end":96.635,"sentiment":"neutral","sentiment_score":0.10372456908226012},{"text":"Alright.","start":97.575,"end":97.895,"sentiment":"neutral","sentiment_score":0.08992032706737518}],"sentiment":"neutral","sentiment_score":0.1547429170459509,"num_words":12,"start":85.28,"end":97.895},{"sentences":[{"text":"With part of the annual review, what I'd like to do to just start with is just check-in with you both and see if there are any significant changes to your personal or financial situation that we need to focus on?","start":97.895,"end":111.5,"sentiment":"neutral","sentiment_score":0.03647907155497772},{"text":"Yeah.","start":117.32,"end":117.82,"sentiment":"neutral","sentiment_score":-0.04011205583810806},{"text":"Yep.","start":119.24,"end":119.74,"sentiment":"neutral","sentiment_score":-0.04472370073199272},{"text":"Yep.","start":122.04,"end":122.475,"sentiment":"neutral","sentiment_score":-0.03217105567455292},{"text":"Mhmm.","start":126.475,"end":126.975,"sentiment":"neutral","sentiment_score":-0.049266740679740906}],"sentiment":"neutral","sentiment_score":0.029541519573993154,"num_words":45,"start":97.895,"end":126.975},{"sentences":[{"text":"Yep.","start":139.37001,"end":139.87001,"sentiment":"neutral","sentiment_score":0.05840185284614563},{"text":"Yeah.","start":141.53,"end":142.03,"sentiment":"neutral","sentiment_score":0.11389978229999542},{"text":"Yep.","start":148.33,"end":148.635,"sentiment":"neutral","sentiment_score":0.0906721204519272},{"text":"Okay.","start":151.19499,"end":151.69499,"sentiment":"neutral","sentiment_score":0.08585579693317413},{"text":"Okay.","start":152.155,"end":152.655,"sentiment":"neutral","sentiment_score":0.08300449699163437}],"sentiment":"neutral","sentiment_score":0.08636680990457535,"num_words":5,"start":139.37001,"end":152.655},{"sentences":[{"text":"I'm just making some notes on that.","start":152.795,"end":155.375,"sentiment":"neutral","sentiment_score":0.14304608958108084},{"text":"Beautiful.","start":156.635,"end":157.135,"sentiment":"positive","sentiment_score":0.5706609487533569},{"text":"Alright.","start":157.915,"end":158.415,"sentiment":"neutral","sentiment_score":0.31474995613098145},{"text":"Made a note.","start":158.555,"end":159.19499,"sentiment":"neutral","sentiment_score":0.22147555649280548},{"text":"So when I get down to the occupation side of things, I can just ask a couple more questions, but that is fine.","start":159.19499,"end":167.40999,"sentiment":"neutral","sentiment_score":0.07599849982754044}],"sentiment":"neutral","sentiment_score":0.1228321627846786,"num_words":35,"start":152.795,"end":167.40999},{"sentences":[{"text":"Now sorry.","start":171.54999,"end":172.26999,"sentiment":"neutral","sentiment_score":-0.10295621305704117},{"text":"I'm on the wrong 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okay.","start":223.62,"end":224.52,"sentiment":"neutral","sentiment_score":0.2753967195749283},{"text":"Lovely.","start":224.66,"end":225.16,"sentiment":"positive","sentiment_score":0.4349346458911896},{"text":"Oh, that's good.","start":225.7,"end":226.42,"sentiment":"positive","sentiment_score":0.5862603783607483},{"text":"It's always good to start early.","start":226.42,"end":228.12,"sentiment":"positive","sentiment_score":0.6134586930274963},{"text":"Get ahead.","start":228.18001,"end":228.92,"sentiment":"positive","sentiment_score":0.4434627443552017}],"sentiment":"positive","sentiment_score":0.5222990619284766,"num_words":14,"start":223.62,"end":228.92},{"sentences":[{"text":"Yeah.","start":230.58,"end":231.08,"sentiment":"neutral","sentiment_score":0.14314448833465576},{"text":"Okay.","start":232.085,"end":232.405,"sentiment":"neutral","sentiment_score":0.08556843549013138},{"text":"So I've got you as a 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that?","start":254.92,"end":260.275,"sentiment":"neutral","sentiment_score":0.04038425115868449},{"text":"Okay.","start":278.35,"end":278.85,"sentiment":"neutral","sentiment_score":0.08987404406070709},{"text":"Okay.","start":280.83002,"end":281.31,"sentiment":"neutral","sentiment_score":0.099535271525383}],"sentiment":"neutral","sentiment_score":0.05007140493641297,"num_words":12,"start":253.31999,"end":281.31},{"sentences":[{"text":"That's okay.","start":281.31,"end":282.13,"sentiment":"neutral","sentiment_score":0.14185848832130432},{"text":"Alright.","start":284.535,"end":285.035,"sentiment":"neutral","sentiment_score":0.10957194864749908},{"text":"And the super side of things, as a sole trader, are you paying yourself super?","start":285.33502,"end":289.67502,"sentiment":"neutral","sentiment_score":0.07112373163302739},{"text":"Yep.","start":291.575,"end":292.075,"sentiment":"neutral","sentiment_score":0.062381744384765625},{"text":"Okay.","start":292.135,"end":292.45502,"sentiment":"neutral","sentiment_score":0.053682975471019745}],"sentiment":"neutral","sentiment_score":0.0788104809820652,"num_words":20,"start":281.31,"end":292.45502},{"sentences":[{"text":"So you're doing the twelfth?","start":292.45502,"end":293.99503,"sentiment":"neutral","sentiment_score":0.03694186508655548},{"text":"Yep.","start":295.33502,"end":295.83502,"sentiment":"neutral","sentiment_score":0.01684706285595894},{"text":"Yeah.","start":298.56,"end":299.06,"sentiment":"neutral","sentiment_score":0.2964962124824524},{"text":"Lovely.","start":299.28,"end":299.78,"sentiment":"positive","sentiment_score":0.670360803604126},{"text":"Lovely.","start":300.08,"end":300.58,"sentiment":"positive","sentiment_score":0.5820896029472351}],"sentiment":"neutral","sentiment_score":0.19450033414694998,"num_words":9,"start":292.45502,"end":300.58},{"sentences":[{"text":"Alright.","start":301.04,"end":301.54,"sentiment":"neutral","sentiment_score":0.19326946139335632},{"text":"I have your expenditure for both of you as a family recorded as $3,000 a week.","start":301.91998,"end":308.88,"sentiment":"neutral","sentiment_score":0.04791038006078452},{"text":"Does that include any mortgage 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right?","start":363.05,"end":363.94998,"sentiment":"neutral","sentiment_score":0.030309378479917843},{"text":"Okay.","start":370.195,"end":370.695,"sentiment":"neutral","sentiment_score":0.03538505360484123}],"sentiment":"neutral","sentiment_score":0.04497595446614119,"num_words":13,"start":355.69,"end":370.695},{"sentences":[{"text":"Lovely.","start":371.23502,"end":371.73502,"sentiment":"neutral","sentiment_score":0.08356385678052902},{"text":"Does that include super or plus super?","start":371.875,"end":374.615,"sentiment":"neutral","sentiment_score":0.03438410482236317},{"text":"Plus super?","start":376.355,"end":377.335,"sentiment":"neutral","sentiment_score":0.0485380906611681},{"text":"Lovely.","start":377.555,"end":378.055,"sentiment":"neutral","sentiment_score":0.1368263065814972},{"text":"And any additional contributions to 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feel?","start":667.60504,"end":669.78503,"sentiment":"neutral","sentiment_score":0.03675759583711624},{"text":"Yeah.","start":672.07,"end":672.57,"sentiment":"neutral","sentiment_score":0.28481006622314453},{"text":"Lovely.","start":674.79,"end":675.29,"sentiment":"neutral","sentiment_score":0.1557789444923401},{"text":"Okay.","start":677.19,"end":677.69,"sentiment":"neutral","sentiment_score":0.07402031123638153}],"sentiment":"neutral","sentiment_score":0.08199158584078153,"num_words":30,"start":661.525,"end":677.69},{"sentences":[{"text":"And then you have an insurance goal here that just says if you wanna be covered if anything was to happen.","start":678.14996,"end":685.665,"sentiment":"neutral","sentiment_score":0.031035695579789933},{"text":"Yeah.","start":685.665,"end":686.165,"sentiment":"neutral","sentiment_score":0.014342987909913065},{"text":"Yes.","start":694.785,"end":695.285,"sentiment":"neutral","sentiment_score":0.0023943595588207245},{"text":"Yep.","start":696.065,"end":696.565,"sentiment":"neutral","sentiment_score":0.03217941150069237},{"text":"Yep.","start":702.16003,"end":702.56,"sentiment":"neutral","sentiment_score":0.2120856940746307}],"sentiment":"neutral","sentiment_score":0.03651008240878582,"num_words":25,"start":678.14996,"end":702.56},{"sentences":[{"text":"Perfect.","start":702.56,"end":703.04004,"sentiment":"positive","sentiment_score":0.41753721237182617},{"text":"So we'll go over those figures in not in a in a moment, to be honest with you, because it'll be in the review pack that I'm gonna send through just to see where it's sitting, that it's it's actually doing what you guys need it to do.","start":703.04004,"end":716.895,"sentiment":"neutral","sentiment_score":0.25536860385909677},{"text":"Mhmm.","start":722.15497,"end":722.65497,"sentiment":"neutral","sentiment_score":-0.04301337152719498},{"text":"Okay.","start":724.795,"end":725.295,"sentiment":"neutral","sentiment_score":-0.012436481192708015},{"text":"Who's your old insurer?","start":725.96,"end":727.5,"sentiment":"neutral","sentiment_score":-0.07134469039738178}],"sentiment":"neutral","sentiment_score":0.22426184696907348,"num_words":55,"start":702.56,"end":727.5},{"sentences":[{"text":"Resolution?","start":729.16003,"end":729.66003,"sentiment":"neutral","sentiment_score":-0.0016484800726175308},{"text":"Yep.","start":730.28,"end":730.78,"sentiment":"neutral","sentiment_score":0.059627991169691086},{"text":"Yep.","start":731.24005,"end":731.72003,"sentiment":"neutral","sentiment_score":0.1319691389799118},{"text":"That's okay.","start":731.72003,"end":732.36005,"sentiment":"positive","sentiment_score":0.3397798389196396},{"text":"I've got we I think we do take care of it.","start":732.36005,"end":734.76,"sentiment":"neutral","sentiment_score":0.33158623630350287}],"sentiment":"neutral","sentiment_score":0.28230980795342475,"num_words":16,"start":729.16003,"end":734.76},{"sentences":[{"text":"It's just that we didn't write the policy.","start":734.76,"end":736.62,"sentiment":"neutral","sentiment_score":-0.01224367180839181},{"text":"So that's fine.","start":736.68005,"end":737.4,"sentiment":"neutral","sentiment_score":0.09622651586929958},{"text":"I've got that here.","start":737.4,"end":738.54004,"sentiment":"neutral","sentiment_score":0.15615707635879517},{"text":"Okay.","start":739.695,"end":740.095,"sentiment":"neutral","sentiment_score":0.15010830760002136},{"text":"So alright.","start":740.095,"end":742.355,"sentiment":"neutral","sentiment_score":0.22404992580413818}],"sentiment":"neutral","sentiment_score":0.07853147987690237,"num_words":18,"start":734.76,"end":742.355},{"sentences":[{"text":"I'm just having a quick look.","start":742.89496,"end":744.915,"sentiment":"neutral","sentiment_score":0.24102764328320822},{"text":"With your review frequency, are you both happy to keep it annually?","start":745.375,"end":748.915,"sentiment":"neutral","sentiment_score":0.238348005960385},{"text":"Yeah?","start":750.65497,"end":751.15497,"sentiment":"neutral","sentiment_score":0.2168385833501816},{"text":"And you have got your estate planning done, which is fantastic.","start":753.135,"end":756.81,"sentiment":"positive","sentiment_score":0.704316648569974},{"text":"You Kim, on your policy, you your beneficiary is Andrew, but it's actually a a lapsing one, which means you've gotta renew it every three years.","start":758.07,"end":768.81,"sentiment":"neutral","sentiment_score":0.07498004928661081}],"sentiment":"neutral","sentiment_score":0.2539311594695651,"num_words":56,"start":742.89496,"end":768.81},{"sentences":[{"text":"I was gonna suggest did you wanna look at changing that to non lapsing?","start":771.205,"end":774.985,"sentiment":"neutral","sentiment_score":-0.018503128151808466},{"text":"Yep.","start":776.805,"end":777.305,"sentiment":"neutral","sentiment_score":-0.04906262457370758},{"text":"It's probably it was probably more just a but at an administration box ticking error because they're right next to each other whether you want it lapsing or non lapsing.","start":778.08496,"end":788.26,"sentiment":"neutral","sentiment_score":-0.08127859855691592},{"text":"So I just picked up on that when I was just running my eyes over your file and your portfolio.","start":788.64,"end":793.38,"sentiment":"neutral","sentiment_score":0.03377802139148116},{"text":"So I thought did it?","start":793.52,"end":797.175,"sentiment":"neutral","sentiment_score":-0.002041466906666756}],"sentiment":"neutral","sentiment_score":-0.02973016117300306,"num_words":70,"start":771.205,"end":797.175},{"sentences":[{"text":"Okay.","start":797.575,"end":797.815,"sentiment":"neutral","sentiment_score":0.025918204337358475},{"text":"Let me look into that a little bit further.","start":797.815,"end":799.995,"sentiment":"neutral","sentiment_score":0.03321106442146831},{"text":"I will make sure that form comes out to you personally.","start":801.735,"end":804.475,"sentiment":"neutral","sentiment_score":0.09767833690751683},{"text":"With that, do you have access to a printer, or would you yeah?","start":805.015,"end":811.05,"sentiment":"neutral","sentiment_score":0.051903304572288804},{"text":"Because if I can email it to you and if you can print and sign it and send it back, that's the quickest way.","start":811.13,"end":816.67,"sentiment":"neutral","sentiment_score":0.08833755071585377}],"sentiment":"neutral","sentiment_score":0.0723124770126466,"num_words":58,"start":797.575,"end":816.67},{"sentences":[{"text":"Yep.","start":817.20996,"end":817.70996,"sentiment":"neutral","sentiment_score":0.08747798204421997},{"text":"Okay.","start":818.17,"end":818.67,"sentiment":"neutral","sentiment_score":0.0747336819767952},{"text":"Yep.","start":820.49,"end":820.99,"sentiment":"neutral","sentiment_score":0.06060650572180748},{"text":"You will need to get someone to witness it for you, though, Kim.","start":822.08997,"end":825.05505,"sentiment":"neutral","sentiment_score":0.013463916830145396},{"text":"So it can't be Andrew because he'll be the beneficiary, but you will need so you might have to do it at work.","start":825.05505,"end":831.23505,"sentiment":"neutral","sentiment_score":-0.03930137792359228}],"sentiment":"neutral","sentiment_score":-0.012976477018151527,"num_words":39,"start":817.20996,"end":831.23505},{"sentences":[{"text":"And yep.","start":833.455,"end":834.195,"sentiment":"neutral","sentiment_score":0.023471606895327568},{"text":"Just two witnesses need to.","start":834.575,"end":836.57,"sentiment":"neutral","sentiment_score":-0.010485005751252174},{"text":"Alright.","start":838.07,"end":838.57,"sentiment":"neutral","sentiment_score":-0.006471044383943081},{"text":"Now I'm looking at you guys are still a a little bit off retirement yet, but it's probably good to start thinking about what you do want in retirement.","start":839.35004,"end":852.175,"sentiment":"neutral","sentiment_score":0.1591211007586841},{"text":"And we don't have to have this conversation today, but if you start thinking about age of retirement, like, the ideal age I have a note here that it was the goal is age 60 with an in ideal income of $1,500 a week.","start":852.795,"end":870.91,"sentiment":"neutral","sentiment_score":0.1871909959749742}],"sentiment":"neutral","sentiment_score":0.158505714636434,"num_words":81,"start":833.455,"end":870.91},{"sentences":[{"text":"Well, it might it's probably more so just considering how we facilitate that as we get closer to retirement.","start":874.81,"end":883.445,"sentiment":"neutral","sentiment_score":0.015547577879930797},{"text":"So if if over the next probably the next twelve months and the review cycle, have a have a think I know that paying down your home is a priority and how you plan on achieving that, but we can start to look at building out plans for retirement in the next couple of years to help you track and see how you are tracking towards that and see what we need to do or adjust to to get you both there.","start":883.58496,"end":918.485,"sentiment":"positive","sentiment_score":0.3371744261282246},{"text":"Okay?","start":920.145,"end":920.645,"sentiment":"neutral","sentiment_score":0.12068268656730652},{"text":"So I'm going to send you an email.","start":922.88995,"end":926.35,"sentiment":"neutral","sentiment_score":0.10474132560193539},{"text":"Do you have access to your emails at the moment?","start":927.76996,"end":930.91,"sentiment":"neutral","sentiment_score":0.04721000492572784}],"sentiment":"neutral","sentiment_score":0.24478683552394312,"num_words":120,"start":874.81,"end":930.91},{"sentences":[{"text":"Of course.","start":936.56995,"end":937.34503,"sentiment":"neutral","sentiment_score":0.07644373178482056},{"text":"Yes, please.","start":937.34503,"end":938.22504,"sentiment":"neutral","sentiment_score":0.08465294167399406},{"text":"Yep.","start":938.22504,"end":938.72504,"sentiment":"neutral","sentiment_score":0.08839427679777145},{"text":"Yeah.","start":940.145,"end":940.305,"sentiment":"neutral","sentiment_score":0.06530353426933289},{"text":"We have do you want me to tell you what we have?","start":940.305,"end":943.205,"sentiment":"neutral","sentiment_score":0.029895278935631115}],"sentiment":"neutral","sentiment_score":0.04636858362290594,"num_words":18,"start":936.56995,"end":943.205},{"sentences":[{"text":"Andrew..Hearn1970@Gmail dot com.","start":944.625,"end":950.245,"sentiment":"neutral","sentiment_score":0.02239224749306838},{"text":"Is that yeah?","start":950.945,"end":952.325,"sentiment":"neutral","sentiment_score":0.032083576545119286},{"text":"Okay.","start":952.385,"end":952.77,"sentiment":"neutral","sentiment_score":-0.07131549715995789},{"text":"Okay.","start":962.05005,"end":962.45,"sentiment":"neutral","sentiment_score":-0.036287833005189896},{"text":"Yeah.","start":962.45,"end":962.77,"sentiment":"neutral","sentiment_score":-0.02990046888589859}],"sentiment":"neutral","sentiment_score":0.002880408118168513,"num_words":9,"start":944.625,"end":962.77},{"sentences":[{"text":"Okay.","start":962.77,"end":963.27,"sentiment":"neutral","sentiment_score":-0.04244094341993332},{"text":"Oh, really?","start":966.05005,"end":966.79004,"sentiment":"neutral","sentiment_score":-0.07257576659321785},{"text":"Oh, that's weird.","start":971.65497,"end":972.795,"sentiment":"neutral","sentiment_score":-0.1808114548524221},{"text":"That's strange.","start":973.815,"end":974.635,"sentiment":"neutral","sentiment_score":-0.2891111373901367},{"text":"Because we've definitely got this one on unless it might be the newsletter.","start":975.815,"end":980.475,"sentiment":"neutral","sentiment_score":-0.17592034087731287}],"sentiment":"neutral","sentiment_score":-0.171200645111856,"num_words":21,"start":962.77,"end":980.475},{"sentences":[{"text":"If that you've signed up for the it might yeah.","start":980.77496,"end":986.61005,"sentiment":"neutral","sentiment_score":-0.06273966543376445},{"text":"So the newsletter is run on a different type of platform.","start":986.61005,"end":990.15,"sentiment":"neutral","sentiment_score":-0.07124205170707269},{"text":"So I can make a note of that actually, and I'll see if the team can get that updated.","start":990.69,"end":996.645,"sentiment":"neutral","sentiment_score":0.06088937152373163},{"text":"Because, surely, I don't know how it works, but I'm sure there's somewhere in the background that they can go get that done.","start":997.985,"end":1003.845,"sentiment":"neutral","sentiment_score":-0.06228253634079643},{"text":"Okay.","start":1006.72003,"end":1007.22003,"sentiment":"neutral","sentiment_score":0.10615544021129608}],"sentiment":"neutral","sentiment_score":-0.024695375934243202,"num_words":64,"start":980.77496,"end":1007.22003},{"sentences":[{"text":"So you're gonna receive an email momentarily from myself, and it will say, oh, do sign as well.","start":1007.36,"end":1015.54,"sentiment":"neutral","sentiment_score":0.15401827461189693},{"text":"This is so when you open it up, it'll say sign here.","start":1016.32,"end":1020.5,"sentiment":"neutral","sentiment_score":0.11000556002060573},{"text":"Just open that.","start":1021.2,"end":1022.205,"sentiment":"neutral","sentiment_score":0.09066629161437352},{"text":"By clicking on that, you're just opening up some documents that we're gonna run through.","start":1022.205,"end":1026.145,"sentiment":"neutral","sentiment_score":0.06623172983527184},{"text":"You're not signing anything at the moment, so don't don't worry too much about that.","start":1028.925,"end":1034.465,"sentiment":"neutral","sentiment_score":-0.07209886778146028}],"sentiment":"neutral","sentiment_score":0.06787916617320171,"num_words":63,"start":1007.36,"end":1034.465},{"sentences":[{"text":"And I'm gonna try my best to guess in what order the documents are in because when we do a couple, sometimes they're out of order.","start":1034.7101,"end":1045.2101,"sentiment":"neutral","sentiment_score":-0.08228684890155609},{"text":"So I'm gonna I'm gonna give it a hot crack.","start":1045.43,"end":1048.01,"sentiment":"neutral","sentiment_score":0.05117052607238293},{"text":"So let me know when you got those documents open.","start":1049.655,"end":1052.635,"sentiment":"neutral","sentiment_score":0.1254722662270069},{"text":"Yep.","start":1057.015,"end":1057.515,"sentiment":"neutral","sentiment_score":0.15022605657577515},{"text":"It yeah.","start":1061.495,"end":1063.1951,"sentiment":"neutral","sentiment_score":0.19274374842643738}],"sentiment":"neutral","sentiment_score":0.0033200694894304082,"num_words":49,"start":1034.7101,"end":1063.1951},{"sentences":[{"text":"It should you should be able to access both documents, yours and Kim's, just through the one email.","start":1063.5751,"end":1069.47,"sentiment":"neutral","sentiment_score":0.24564381606049007},{"text":"It's just that when you go to sign, you'll each have to sign from your own email.","start":1069.47,"end":1073.65,"sentiment":"neutral","sentiment_score":0.08960606289260528},{"text":"Right.","start":1076.1901,"end":1076.6901,"sentiment":"neutral","sentiment_score":0.029030177742242813},{"text":"Yes, please.","start":1078.03,"end":1078.67,"sentiment":"neutral","sentiment_score":0.07750998809933662},{"text":"That's just gonna open up a PDF group of documents that we're gonna talk through.","start":1078.67,"end":1085.545,"sentiment":"neutral","sentiment_score":0.06079726293683052}],"sentiment":"neutral","sentiment_score":0.1328471859671035,"num_words":53,"start":1063.5751,"end":1085.545},{"sentences":[{"text":"Yep.","start":1090.005,"end":1090.505,"sentiment":"neutral","sentiment_score":0.07276235520839691},{"text":"So I'm hoping that the first document is a summary of superannuation and insurance for yourself, Andrew.","start":1090.565,"end":1096.0701,"sentiment":"neutral","sentiment_score":0.13415257457424612},{"text":"Lovely.","start":1097.81,"end":1098.31,"sentiment":"positive","sentiment_score":0.4038778245449066},{"text":"Okay.","start":1098.77,"end":1099.27,"sentiment":"neutral","sentiment_score":0.17103224992752075},{"text":"All this is is essentially a cover page telling us that your superannuation's with Hub.","start":1099.49,"end":1104.7101,"sentiment":"neutral","sentiment_score":0.08368184318145117}],"sentiment":"neutral","sentiment_score":0.11952839557613645,"num_words":35,"start":1090.005,"end":1104.7101},{"sentences":[{"text":"Your balance is approximately 246,424, and that your insurances are with Clearview for life insurance and TPD and income protection.","start":1105.01,"end":1115.545,"sentiment":"neutral","sentiment_score":0.05760931763797998},{"text":"So the life insurance, Kim, referring back to the repayment of debt before, the life insurance for Andrew sits at $552,875.","start":1116.245,"end":1129.5,"sentiment":"neutral","sentiment_score":0.05360829085111618},{"text":"So that cut that will cover the debt on the principal.","start":1129.88,"end":1134.255,"sentiment":"neutral","sentiment_score":0.0044363878498023205},{"text":"Yep.","start":1135.215,"end":1135.715,"sentiment":"neutral","sentiment_score":0.05189917236566544},{"text":"Yep.","start":1136.175,"end":1136.675,"sentiment":"neutral","sentiment_score":0.07044608891010284}],"sentiment":"neutral","sentiment_score":0.04535381459734506,"num_words":54,"start":1105.01,"end":1136.675},{"sentences":[{"text":"And then you'll also have the funds from superannuation should anything happen to Andrew.","start":1136.735,"end":1143.3151,"sentiment":"neutral","sentiment_score":0.07113060780933925},{"text":"Is that sufficient for you both?","start":1143.455,"end":1145.795,"sentiment":"neutral","sentiment_score":0.11009794970353444},{"text":"Okay.","start":1148.095,"end":1148.595,"sentiment":"neutral","sentiment_score":0.16381539404392242},{"text":"And, Andrew, your income protection policy, the sum insured sits at just over $4,500 a month with a thirty day waiting period and a two year benefit period, and that both all those policies are funded from super your superannuation.","start":1149.2899,"end":1167.865,"sentiment":"neutral","sentiment_score":0.07685989309102297},{"text":"Now based on what you said your income is at about 110, you can look at increasing that income protection policy if you want, but you need to be able yeah.","start":1171.045,"end":1185.04,"sentiment":"neutral","sentiment_score":0.02901776940111191}],"sentiment":"neutral","sentiment_score":0.06298019757251376,"num_words":92,"start":1136.735,"end":1185.04},{"sentences":[{"text":"Okay.","start":1185.1,"end":1185.6,"sentiment":"neutral","sentiment_score":0.028295224532485008},{"text":"That's up to you.","start":1185.66,"end":1186.8,"sentiment":"neutral","sentiment_score":-0.1380365528166294},{"text":"Okay.","start":1188.38,"end":1188.78,"sentiment":"neutral","sentiment_score":0.18609683215618136},{"text":"Beautiful.","start":1188.78,"end":1189.28,"sentiment":"positive","sentiment_score":0.3873156011104584},{"text":"So I'm gonna navigate through a few screens here.","start":1189.735,"end":1192.215,"sentiment":"neutral","sentiment_score":0.13926052219337887}],"sentiment":"neutral","sentiment_score":0.08143163414206356,"num_words":16,"start":1185.1,"end":1192.215},{"sentences":[{"text":"And the next document I'm hoping is a cover page for Kim.","start":1192.215,"end":1196.1549,"sentiment":"neutral","sentiment_score":0.04794795159250498},{"text":"Yes.","start":1200.455,"end":1200.9349,"sentiment":"neutral","sentiment_score":0.18618501722812653},{"text":"Beautiful.","start":1200.9349,"end":1201.4349,"sentiment":"neutral","sentiment_score":0.31930699944496155},{"text":"So, Kim, again, as a as a cover page, your superannuation again is with Hub.","start":1202.135,"end":1208.9501,"sentiment":"neutral","sentiment_score":0.07787503898143769},{"text":"Balance sitting at $221,785, and you've got some life insurance value with the sum in short of 729,480.","start":1209.41,"end":1221.025,"sentiment":"neutral","sentiment_score":0.07128021721210745}],"sentiment":"neutral","sentiment_score":0.07514972192175845,"num_words":47,"start":1192.215,"end":1221.025},{"sentences":[{"text":"So that, again, will cover the debt.","start":1221.025,"end":1223.605,"sentiment":"neutral","sentiment_score":0.056993282799209864},{"text":"Yeah.","start":1226.0651,"end":1226.5651,"sentiment":"neutral","sentiment_score":-0.1361498981714249},{"text":"I'd be the same.","start":1233.75,"end":1234.71,"sentiment":"neutral","sentiment_score":-0.11149168200790882},{"text":"I think my husband's insured for a little bit more.","start":1234.71,"end":1237.21,"sentiment":"neutral","sentiment_score":-0.09317834451794624},{"text":"Yep.","start":1241.43,"end":1241.91,"sentiment":"neutral","sentiment_score":0.04954587668180466}],"sentiment":"neutral","sentiment_score":-0.04632179196114126,"num_words":23,"start":1221.025,"end":1241.91},{"sentences":[{"text":"Okay.","start":1241.91,"end":1242.41,"sentiment":"neutral","sentiment_score":0.05697634071111679},{"text":"The next document should be a twelve month performance report from hub twenty four for Andrew.","start":1242.79,"end":1249.625,"sentiment":"neutral","sentiment_score":0.05582079105079174},{"text":"Yeah.","start":1253.9249,"end":1254.4249,"sentiment":"neutral","sentiment_score":0.07531367242336273},{"text":"So you're both invested in the the same type of portfolio, and both of your returns are gonna when I explain it, I'm gonna explain it because it's gonna be applicable to both your portfolios anyway.","start":1255.205,"end":1268.41,"sentiment":"neutral","sentiment_score":0.09719642448342508},{"text":"You'll see along the top, there's a Benelong Australian Equities Fund.","start":1271.1901,"end":1274.885,"sentiment":"neutral","sentiment_score":0.06774753095074133}],"sentiment":"neutral","sentiment_score":0.0810725660278247,"num_words":65,"start":1241.91,"end":1274.885},{"sentences":[{"text":"That fund, you'll see, has had a significant underperformance.","start":1274.885,"end":1278.345,"sentiment":"neutral","sentiment_score":-0.24842076500256857},{"text":"We're not reactive in relation to underperformance because markets fluctuate as we as we see daily.","start":1280.405,"end":1288.2401,"sentiment":"neutral","sentiment_score":-0.19037950783967972},{"text":"However, the Bennelong's investment mandate is that they identify underperforming oh, sorry, undervalued companies within the Australian share market for growth opportunities.","start":1289.7401,"end":1301.6549,"sentiment":"neutral","sentiment_score":-0.10994704965163361},{"text":"Now the market trend in the last twelve months favored the bigger financial institutions and the resource sector.","start":1301.6549,"end":1309.835,"sentiment":"neutral","sentiment_score":0.10098312960730658},{"text":"So the performance of Benny Bennelong was due to their investment mandate.","start":1310.215,"end":1316.06,"sentiment":"neutral","sentiment_score":0.23777820045749345}],"sentiment":"neutral","sentiment_score":-0.03934622551133106,"num_words":77,"start":1274.885,"end":1316.06},{"sentences":[{"text":"Now Bennelong is also turning around, and they are in a positive return at the moment.","start":1316.12,"end":1324.06,"sentiment":"positive","sentiment_score":0.5535645987838507},{"text":"However, as a company, our investment committee has decided that, Bennelong is not something we feel comfortable keeping in our clients' portfolios moving forward.","start":1324.36,"end":1336.5651,"sentiment":"negative","sentiment_score":-0.40331643136839074},{"text":"So when I speak with clients, I just touch on the fact that I would like to, look at an alternative to that if you're okay with that.","start":1336.865,"end":1346.91,"sentiment":"neutral","sentiment_score":0.0013664809853902885},{"text":"And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid.","start":1349.13,"end":1358.985,"sentiment":"neutral","sentiment_score":0.03510018728673458},{"text":"Nothing wrong with that investment at all.","start":1359.5249,"end":1362.1849,"sentiment":"neutral","sentiment_score":-0.039042185459818156}],"sentiment":"neutral","sentiment_score":-0.0018008992075920105,"num_words":100,"start":1316.12,"end":1362.1849},{"sentences":[{"text":"It's just that as of January 2027, the Australian banks, due to legislation changes, are phasing out the hybrid investment options.","start":1363.0449,"end":1373.385,"sentiment":"neutral","sentiment_score":-0.04067900481944283},{"text":"What it means is that I don't know what it's gonna be replaced with.","start":1374.39,"end":1379.43,"sentiment":"neutral","sentiment_score":-0.06328263027327401},{"text":"Nobody does.","start":1379.43,"end":1380.49,"sentiment":"neutral","sentiment_score":-0.19904621690511703},{"text":"And I would rather be a little bit more proactive in that respect and look at alternatives now rather than waiting to see while while it still is performing and providing great income.","start":1380.9501,"end":1394.105,"sentiment":"neutral","sentiment_score":0.07979081796877312},{"text":"So if you're both comfortable with that, you both hold that in your portfolio.","start":1394.645,"end":1398.745,"sentiment":"neutral","sentiment_score":0.20991771455321992}],"sentiment":"neutral","sentiment_score":0.04087662664131217,"num_words":84,"start":1363.0449,"end":1398.745},{"sentences":[{"text":"So I wanted so I ex I'll explain that to you both.","start":1399.5,"end":1402.86,"sentiment":"neutral","sentiment_score":0.09188710587720077},{"text":"But with your permission, I'd like to look at replace it alternatives to replace those.","start":1402.86,"end":1409.12,"sentiment":"neutral","sentiment_score":0.03920966014266014},{"text":"Yep.","start":1410.78,"end":1411.28,"sentiment":"neutral","sentiment_score":0.08737783133983612},{"text":"The remainder of your portfolio, we have no significant concerns about.","start":1413.365,"end":1420.0249,"sentiment":"neutral","sentiment_score":0.10279429331421852},{"text":"You've got some exposure to the the all world, so America and the remainder of the world.","start":1420.325,"end":1430.47,"sentiment":"neutral","sentiment_score":0.08786860261769856}],"sentiment":"neutral","sentiment_score":0.07861913348148976,"num_words":56,"start":1399.5,"end":1430.47},{"sentences":[{"text":"You've got some economy different economy exposure there.","start":1430.47,"end":1434.49,"sentiment":"neutral","sentiment_score":0.10290076490491629},{"text":"You've got some global health and global cyber exposure, which gives you some access to some certain specific niche sectors that have actually performed really well recently.","start":1434.71,"end":1445.785,"sentiment":"neutral","sentiment_score":0.23976949464391778},{"text":"So with your portfolio as a whole, we're happy with it.","start":1447.125,"end":1450.885,"sentiment":"positive","sentiment_score":0.5402977737513456},{"text":"It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio.","start":1450.885,"end":1459.6799,"sentiment":"negative","sentiment_score":-0.60518920735309},{"text":"So overall, for the last twelve months, Andrew, your portfolio returned 0.86%.","start":1462.46,"end":1468.3999,"sentiment":"neutral","sentiment_score":0.17976897830764452}],"sentiment":"neutral","sentiment_score":0.05063494527107709,"num_words":77,"start":1430.47,"end":1468.3999},{"sentences":[{"text":"The next one should actually be a six month portfolio performance for you, Andrew.","start":1472.1849,"end":1477.725,"sentiment":"neutral","sentiment_score":0.13990207867962973},{"text":"Is can you see that one from March through to September?","start":1478.585,"end":1481.565,"sentiment":"neutral","sentiment_score":0.06589956412261183},{"text":"Yep.","start":1484.105,"end":1484.605,"sentiment":"neutral","sentiment_score":0.06664302945137024},{"text":"And that's just the report to show you that the port for even though Benelon is recovering and is sitting at now a 3.21% return, your portfolio is recovering for a six month return of 3.97, but a projected annualized return of 8%.","start":1484.72,"end":1499.76,"sentiment":"neutral","sentiment_score":0.0558383813084558},{"text":"So it's recovering.","start":1499.76,"end":1505.735,"sentiment":"neutral","sentiment_score":0.07797067612409592}],"sentiment":"neutral","sentiment_score":0.0747934689020945,"num_words":72,"start":1472.1849,"end":1505.735},{"sentences":[{"text":"And but even though, as I mentioned before, Bennelong is back in the positive performance arena, it's still not something we're comfortable keeping.","start":1505.735,"end":1518.1201,"sentiment":"neutral","sentiment_score":-0.14264459073867486},{"text":"Kim, with yours, the exact same explanation, your portfolio in the twelve months did 1.01%, so a little bit more, and that would simply be based on the different amounts of money invested in the different investment options.","start":1518.1201,"end":1538.1951,"sentiment":"neutral","sentiment_score":0.0026346890157774873},{"text":"And the month return for yourself, Kim, has been 6.22% with a project projected annualized return of 12.72%.","start":1538.8151,"end":1549.02,"sentiment":"neutral","sentiment_score":0.11423089148269759},{"text":"So they're both tracking well even with Ben along in there, but we hope to get Ben along out of there and turn things around a little bit.","start":1549.02,"end":1561.4349,"sentiment":"neutral","sentiment_score":0.1442949300897973},{"text":"The next document should be a Vanguard index chart, a bright red document.","start":1563.975,"end":1579.7,"sentiment":"neutral","sentiment_score":0.09405710605474618}],"sentiment":"neutral","sentiment_score":0.0344870755293717,"num_words":120,"start":1505.735,"end":1579.7},{"sentences":[{"text":"If you if you tell me what is what it is, I can find it find it in my screen.","start":1579.7,"end":1591.975,"sentiment":"neutral","sentiment_score":0.0506746768951416},{"text":"Lovely.","start":1594.115,"end":1594.615,"sentiment":"positive","sentiment_score":0.3977299928665161},{"text":"Okay.","start":1594.995,"end":1595.495,"sentiment":"neutral","sentiment_score":0.15370333194732666},{"text":"Yeah.","start":1596.515,"end":1596.835,"sentiment":"neutral","sentiment_score":0.17982956767082214},{"text":"That's exactly right.","start":1596.835,"end":1597.875,"sentiment":"neutral","sentiment_score":0.2952519158522288}],"sentiment":"neutral","sentiment_score":0.10117354530554551,"num_words":26,"start":1579.7,"end":1597.875},{"sentences":[{"text":"So I what I use this document for is a bit of a educational chat tool in relation to how your funds are invested.","start":1597.875,"end":1605.49,"sentiment":"neutral","sentiment_score":0.1422843181838592},{"text":"So at the moment, you're both invested as balanced growth investors.","start":1606.6699,"end":1610.5299,"sentiment":"neutral","sentiment_score":0.09130807864395055},{"text":"That's a title that that we use to understand your tolerance to risk.","start":1611.3899,"end":1626.29,"sentiment":"neutral","sentiment_score":0.0773635171353817},{"text":"So based on a balanced growth investor, what we would typically see is 70% of your assets allocated to the growth sector and 20 to the defensive.","start":1627.39,"end":1638.135,"sentiment":"neutral","sentiment_score":0.10010533062396226},{"text":"Defensive.","start":1638.615,"end":1638.6951,"sentiment":"neutral","sentiment_score":-0.006816100794821978}],"sentiment":"neutral","sentiment_score":0.10685481645142365,"num_words":76,"start":1597.875,"end":1638.6951},{"sentences":[{"text":"So how this relates to the chart is those top four assets down the right hand side of the page being US shares, Australian shares, international shares, and listed property, they're your growth assets.","start":1638.6951,"end":1650.395,"sentiment":"neutral","sentiment_score":0.06756033162202905},{"text":"And from the chart, you can see they're the ones that experience the most volatility and the ones that provide you growth over the long term.","start":1650.855,"end":1658.87,"sentiment":"neutral","sentiment_score":0.13212652490116084},{"text":"So you would have about 70% invested in that in those in across those four sectors with the remaining 30% across the defensive sector, which is bonds, being Australian and international, fixed interest, and cash.","start":1659.17,"end":1678.8351,"sentiment":"neutral","sentiment_score":0.13629483112267085},{"text":"So you can see that they're the income producing expensive assets that help offset the volatility when the market is volatile.","start":1679.375,"end":1688.79,"sentiment":"neutral","sentiment_score":0.16070839070848056},{"text":"As a grow a balanced growth investor, you typically we expect an annualized return of anywhere between six to 8% with any from with volant volatility being anywhere plus or minus of 8%.","start":1690.21,"end":1706.625,"sentiment":"neutral","sentiment_score":0.007963037852084997}],"sentiment":"neutral","sentiment_score":0.09490145279107078,"num_words":149,"start":1638.6951,"end":1706.625},{"sentences":[{"text":"So the volatility of a minus 8% is what we would say would be a a really, really bad year.","start":1706.765,"end":1714.87,"sentiment":"negative","sentiment_score":-0.5647389262914657},{"text":"But in a balanced growth portfolio, we would expect a one in six year negative return.","start":1716.53,"end":1722.7101,"sentiment":"negative","sentiment_score":-0.4528543036431074},{"text":"So that doesn't mean it's gonna be a negative eight, but that's that's, like, up to the the level of volatility you could expect in that type of investment portfolio.","start":1722.77,"end":1734.015,"sentiment":"neutral","sentiment_score":-0.24907697563370068},{"text":"And the minimum time frame to withstand the volatility is at least five years.","start":1734.795,"end":1743.34,"sentiment":"neutral","sentiment_score":-0.10046237707138062},{"text":"So we would look at age to retirement.","start":1743.8,"end":1747.02,"sentiment":"neutral","sentiment_score":-0.0825505736283958}],"sentiment":"neutral","sentiment_score":-0.3190867559222335,"num_words":88,"start":1706.765,"end":1747.02},{"sentences":[{"text":"I know you both said sick it says 60, and I know that you both said that that's probably not going to happen.","start":1750.12,"end":1757.045,"sentiment":"neutral","sentiment_score":-0.21090762219999148},{"text":"But when I go away and do my research on those funds, I'm gonna have a look at what it's projecting out at the moment for a time and for you both anyway.","start":1757.585,"end":1765.845,"sentiment":"neutral","sentiment_score":-0.06561816799821275},{"text":"But at this stage, are you both happy to remain as balanced growth investors?","start":1766.625,"end":1771.1499,"sentiment":"neutral","sentiment_score":0.11185063421726227},{"text":"The risk so if you wanna look look.","start":1776.33,"end":1781.505,"sentiment":"neutral","sentiment_score":-0.18929848819971085},{"text":"There's no yep.","start":1782.125,"end":1788.785,"sentiment":"neutral","sentiment_score":-0.13258467863003412}],"sentiment":"neutral","sentiment_score":-0.0908951594689746,"num_words":81,"start":1750.12,"end":1788.785},{"sentences":[{"text":"I would look at your risk tolerance.","start":1791.8049,"end":1794.385,"sentiment":"neutral","sentiment_score":-0.11727490595408849},{"text":"So I'd ask you a few questions So I'll explain what the next one up is.","start":1794.445,"end":1800.2999,"sentiment":"neutral","sentiment_score":0.05090847809333354},{"text":"And if you will if you wanna have a think of if you wanna think about it or get my for me to be able to make a recommendation, I need to ask you both questions just to understand your tolerance.","start":1800.2999,"end":1816.1449,"sentiment":"neutral","sentiment_score":0.06678944299133813},{"text":"But a growth portfolio would see you typically, which is the next one up, having 80% exposure to those growth assets with about 20% in your defensive.","start":1816.6849,"end":1826.59,"sentiment":"neutral","sentiment_score":-0.0019384934394447893},{"text":"Your return, you're looking at about seven to nine averaged out.","start":1827.61,"end":1831.1499,"sentiment":"neutral","sentiment_score":-0.13123245401815933}],"sentiment":"neutral","sentiment_score":0.012118452484262925,"num_words":102,"start":1791.8049,"end":1831.1499},{"sentences":[{"text":"You're still experiencing probably one in every five years as a negative return with that volatility level being 11%.","start":1832.09,"end":1841.905,"sentiment":"negative","sentiment_score":-0.486564355461221},{"text":"So another 3% in variance and at least a minimum of a six year time frame.","start":1841.965,"end":1848.145,"sentiment":"neutral","sentiment_score":-0.2521959636360407},{"text":"So that minimum allows you to withstand those volatility those volatile periods.","start":1848.76,"end":1854.38,"sentiment":"neutral","sentiment_score":-0.19723948215444884},{"text":"So if you for example, when COVID nineteen hit and everyone's superannuation took a massive nosedive And it was all over the news, and it was everywhere and everywhere.","start":1854.52,"end":1868.2849,"sentiment":"neutral","sentiment_score":-0.256896974454666},{"text":"What was your reaction to that?","start":1868.825,"end":1870.7649,"sentiment":"neutral","sentiment_score":-0.10491319621602695}],"sentiment":"neutral","sentiment_score":-0.28934418773505743,"num_words":82,"start":1832.09,"end":1870.7649},{"sentences":[{"text":"Yep.","start":1877.065,"end":1877.28,"sentiment":"neutral","sentiment_score":0.05933650583028793},{"text":"Yep.","start":1880.0,"end":1880.48,"sentiment":"neutral","sentiment_score":0.10420083999633788},{"text":"Yep.","start":1880.48,"end":1880.98,"sentiment":"neutral","sentiment_score":0.10932926833629608},{"text":"Okay.","start":1881.2001,"end":1881.52,"sentiment":"neutral","sentiment_score":0.09227035939693452},{"text":"So that that response there tells me that you probably can tolerate a little bit more risk.","start":1881.52,"end":1886.66,"sentiment":"neutral","sentiment_score":0.008946149226497202}],"sentiment":"neutral","sentiment_score":0.02462959573382423,"num_words":21,"start":1877.065,"end":1886.66},{"sentences":[{"text":"There's a couple of there is a formality that I have to complete to be able to make a recommendation.","start":1888.88,"end":1895.535,"sentiment":"neutral","sentiment_score":0.06951796300709248},{"text":"Do you have I don't it'll only take a couple of minutes.","start":1895.835,"end":1899.775,"sentiment":"neutral","sentiment_score":-0.001679113653760093},{"text":"So you're not locked in for it.","start":1902.075,"end":1907.115,"sentiment":"neutral","sentiment_score":-0.08262546573366437},{"text":"It's just that you would want at least a minimum of six years in with that hot slightly higher allocation to your growth assets to be able to benefit from it long term.","start":1907.115,"end":1923.055,"sentiment":"neutral","sentiment_score":0.09393485477476408},{"text":"So say, for example, we changed your risk profile, and in twelve months time, the top the market took a downturn, we you you need time that to be able to recover.","start":1923.055,"end":1936.9099,"sentiment":"neutral","sentiment_score":-0.08148646994959563}],"sentiment":"neutral","sentiment_score":0.012347257743665697,"num_words":104,"start":1888.88,"end":1936.9099},{"sentences":[{"text":"So it and the and the brilliant part is with superannuation that a lot of people don't think of as well is in superannuation, you're actually utilizing a really cool and it's not it's not cool as in cool cool, but a really nice little strategy called dollar cost averaging.","start":1937.77,"end":1959.315,"sentiment":"positive","sentiment_score":0.43203851461410525},{"text":"So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle.","start":1959.455,"end":1972.97,"sentiment":"neutral","sentiment_score":0.20009263054184293},{"text":"So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks.","start":1973.59,"end":1990.145,"sentiment":"neutral","sentiment_score":0.2963131804551397},{"text":"And then at other times, you might purchase funds when your when the market's already there at a high.","start":1990.87,"end":2000.1699,"sentiment":"neutral","sentiment_score":0.08376281120275196},{"text":"So the benefit of dollar cost averaging is is you're actually buying funds buying investments at different stages and taking advantage of gross opportunities whether you know it or not.","start":2000.5499,"end":2013.385,"sentiment":"neutral","sentiment_score":0.29818281879027686}],"sentiment":"neutral","sentiment_score":0.29991577920026896,"num_words":164,"start":1937.77,"end":2013.385},{"sentences":[{"text":"So you would need at least six years.","start":2014.005,"end":2018.67,"sentiment":"neutral","sentiment_score":0.110501853749156},{"text":"So if you said from today, I wanna go a gross investor, I would say in six years' time being 2032, we would look at saying and it's obviously, it's not set in stone, but we probably wouldn't look at decreasing some of those assets down again until around then.","start":2019.0701,"end":2046.995,"sentiment":"neutral","sentiment_score":0.00930473156273365},{"text":"Or if the market if it's at a time where the market's at a really great height, we could look at them decreasing again.","start":2047.6951,"end":2056.38,"sentiment":"neutral","sentiment_score":-0.050163228840877615},{"text":"But, typically, in the lead up to retirement, probably about three three to three years before retirement, we start to look at reducing exposure to growth assets, making sure that we've got a fair a fair allocation to income producing assets.","start":2056.38,"end":2080.1902,"sentiment":"neutral","sentiment_score":0.04924546827266856},{"text":"We start to build the cash holding to fund future pension payments so that we don't have to sell those growth assets when you are in retirement.","start":2080.1902,"end":2090.1748,"sentiment":"neutral","sentiment_score":0.09247459140088823}],"sentiment":"neutral","sentiment_score":0.03107474721968174,"num_words":150,"start":2014.005,"end":2090.1748},{"sentences":[{"text":"So it's a kind of a phased approach.","start":2092.7148,"end":2095.375,"sentiment":"neutral","sentiment_score":0.14396785851567984},{"text":"Did you want me to complete that questionnaire, or are you happy to stay as balanced growth investors?","start":2100.3948,"end":2106.29,"sentiment":"neutral","sentiment_score":0.050582662121289305},{"text":"Yeah?","start":2108.51,"end":2109.01,"sentiment":"neutral","sentiment_score":0.03055034391582012},{"text":"Okay.","start":2109.15,"end":2109.65,"sentiment":"neutral","sentiment_score":0.0382411926984787},{"text":"Yep.","start":2116.91,"end":2117.115,"sentiment":"neutral","sentiment_score":0.04336382821202278}],"sentiment":"neutral","sentiment_score":0.07497883279775751,"num_words":29,"start":2092.7148,"end":2117.115},{"sentences":[{"text":"Yep.","start":2120.315,"end":2120.795,"sentiment":"neutral","sentiment_score":0.12596850097179413},{"text":"Okay.","start":2120.795,"end":2121.295,"sentiment":"neutral","sentiment_score":0.1191285252571106},{"text":"Alright.","start":2121.435,"end":2121.935,"sentiment":"neutral","sentiment_score":0.14102280139923096},{"text":"So no right or wrong answer.","start":2121.9949,"end":2123.755,"sentiment":"neutral","sentiment_score":-0.1143611545364062},{"text":"You can both have different answers, and I will keep it as brief as I can.","start":2123.755,"end":2130.255,"sentiment":"neutral","sentiment_score":0.07414056966081262}],"sentiment":"neutral","sentiment_score":0.03544808059930801,"num_words":25,"start":2120.315,"end":2130.255},{"sentences":[{"text":"We so the first question is, what is the most aggressive investment you have ever made?","start":2130.9202,"end":2135.6602,"sentiment":"neutral","sentiment_score":0.10704253241419792},{"text":"Has it been direct shares, managed funds, investment property, your own home, or a higher interest interest bank account.","start":2136.36,"end":2144.165,"sentiment":"neutral","sentiment_score":0.04298747272083634},{"text":"Yep.","start":2148.625,"end":2149.125,"sentiment":"neutral","sentiment_score":0.04575544595718384},{"text":"Yep.","start":2150.625,"end":2151.0251,"sentiment":"neutral","sentiment_score":0.13907290995121002},{"text":"That's fine.","start":2151.0251,"end":2151.845,"sentiment":"neutral","sentiment_score":0.28116336464881897}],"sentiment":"neutral","sentiment_score":0.08401532270587407,"num_words":39,"start":2130.9202,"end":2151.845},{"sentences":[{"text":"Once investments have been placed, and we're talking about your superannuation here, how long would you how long would it be before you would need to access it?","start":2153.5051,"end":2163.0,"sentiment":"neutral","sentiment_score":0.003824278778795685},{"text":"Longer than ten years, between seven to nine years, or between four to six, two to three, and less than two?","start":2163.0,"end":2170.635,"sentiment":"neutral","sentiment_score":-0.06935411159481321},{"text":"Yep.","start":2175.9749,"end":2176.4749,"sentiment":"neutral","sentiment_score":0.029698695987462997},{"text":"What about yourself, Kim?","start":2176.775,"end":2178.155,"sentiment":"neutral","sentiment_score":0.0015538232401013366},{"text":"Me too.","start":2185.05,"end":2185.69,"sentiment":"neutral","sentiment_score":-0.0606450866907835}],"sentiment":"neutral","sentiment_score":-0.025620227180687443,"num_words":56,"start":2153.5051,"end":2185.69},{"sentences":[{"text":"Me too.","start":2185.69,"end":2186.43,"sentiment":"neutral","sentiment_score":-0.026986856944859028},{"text":"Okay.","start":2188.65,"end":2189.15,"sentiment":"neutral","sentiment_score":-0.01101066917181015},{"text":"So the next question is inflation means things are getting more expensive over time, which makes our money worth less or today's money worth less.","start":2189.77,"end":2198.305,"sentiment":"neutral","sentiment_score":-0.14148075878620148},{"text":"How much risk are you willing to take to keep up with rising prices?","start":2198.6848,"end":2202.4648,"sentiment":"neutral","sentiment_score":-0.11266413650342397},{"text":"Are you willing to accept a very high risk to outpace relation inflation?","start":2203.565,"end":2208.7048,"sentiment":"neutral","sentiment_score":-0.15568931114215118}],"sentiment":"neutral","sentiment_score":-0.13096840561113574,"num_words":55,"start":2185.69,"end":2208.7048},{"sentences":[{"text":"A high risk to outpace inflation.","start":2211.15,"end":2213.57,"sentiment":"neutral","sentiment_score":-0.16618707279364267},{"text":"Moderate, a small amount, or no risk.","start":2213.8699,"end":2217.73,"sentiment":"neutral","sentiment_score":-0.027676829802138463},{"text":"Mhmm.","start":2222.67,"end":2223.17,"sentiment":"neutral","sentiment_score":0.0036255065351724625},{"text":"What about yourself, Kim?","start":2223.8699,"end":2225.3052,"sentiment":"neutral","sentiment_score":-0.012036594096571207},{"text":"Yep.","start":2230.725,"end":2231.225,"sentiment":"neutral","sentiment_score":0.02670255675911903}],"sentiment":"neutral","sentiment_score":-0.06361466097204309,"num_words":19,"start":2211.15,"end":2231.225},{"sentences":[{"text":"So are you saying hi?","start":2231.365,"end":2233.0652,"sentiment":"neutral","sentiment_score":0.018841515854001047},{"text":"Yep.","start":2235.685,"end":2236.165,"sentiment":"neutral","sentiment_score":0.04321824014186859},{"text":"And, Andrew, you're moderate?","start":2236.165,"end":2237.96,"sentiment":"neutral","sentiment_score":0.02589261974208057},{"text":"Yep.","start":2244.42,"end":2244.92,"sentiment":"neutral","sentiment_score":0.046082980930805206},{"text":"Okay.","start":2245.62,"end":2246.12,"sentiment":"neutral","sentiment_score":0.0497460812330246}],"sentiment":"neutral","sentiment_score":0.02806878004533549,"num_words":12,"start":2231.365,"end":2246.12},{"sentences":[{"text":"Okay.","start":2247.22,"end":2247.72,"sentiment":"neutral","sentiment_score":0.03111724928021431},{"text":"If in the next six months after investing, you found out that your portfolio decreased by 20% due to the general trends in the financial market, so that's being that chart I showed you, the general trends, would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses?","start":2249.14,"end":2274.8901,"sentiment":"neutral","sentiment_score":-0.046333645994309336},{"text":"Yep.","start":2283.325,"end":2283.825,"sentiment":"neutral","sentiment_score":-0.000013722727999265771},{"text":"Yep.","start":2287.7249,"end":2288.2249,"sentiment":"neutral","sentiment_score":0.007694048807024956},{"text":"So do you think you would hold and wait?","start":2288.4448,"end":2290.785,"sentiment":"neutral","sentiment_score":-0.007493067325817214}],"sentiment":"neutral","sentiment_score":-0.039394649660643585,"num_words":76,"start":2247.22,"end":2290.785},{"sentences":[{"text":"Or or yeah.","start":2291.4849,"end":2293.825,"sentiment":"neutral","sentiment_score":-0.00426785151163737},{"text":"Or hold and get seek advice?","start":2294.605,"end":2296.625,"sentiment":"neutral","sentiment_score":0.0004026431900759538},{"text":"Yep.","start":2297.5598,"end":2298.0598,"sentiment":"neutral","sentiment_score":0.06285103410482407},{"text":"Yep.","start":2298.8398,"end":2299.0798,"sentiment":"neutral","sentiment_score":0.07707498967647552},{"text":"Okay.","start":2299.0798,"end":2299.5798,"sentiment":"neutral","sentiment_score":0.09974731504917143}],"sentiment":"neutral","sentiment_score":0.01910713695300122,"num_words":12,"start":2291.4849,"end":2299.5798},{"sentences":[{"text":"What kind of return do you expect to get from your investments over the long term?","start":2299.96,"end":2304.2,"sentiment":"neutral","sentiment_score":0.1422511483542621},{"text":"8% above per annum, six to eight, four to six, two to four, or zero to two.","start":2304.2,"end":2313.135,"sentiment":"neutral","sentiment_score":0.0490215127082432},{"text":"Yep.","start":2313.135,"end":2313.635,"sentiment":"neutral","sentiment_score":0.05799604207277298},{"text":"Yep.","start":2318.015,"end":2318.4949,"sentiment":"neutral","sentiment_score":0.044176533818244934},{"text":"Okay.","start":2318.4949,"end":2318.9949,"sentiment":"neutral","sentiment_score":0.0399000346660614}],"sentiment":"neutral","sentiment_score":0.0903182416740391,"num_words":36,"start":2299.96,"end":2318.9949},{"sentences":[{"text":"Have your investments, including superannuation, ever dropped in value, and how did it make you feel?","start":2322.81,"end":2328.59,"sentiment":"neutral","sentiment_score":-0.013643570826388896},{"text":"I think we've probably answered this question by before with my COVID example, but I have to ask anyway.","start":2328.73,"end":2336.5051,"sentiment":"neutral","sentiment_score":-0.036273214377855},{"text":"Are you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record?","start":2336.725,"end":2348.67,"sentiment":"neutral","sentiment_score":-0.10113436097036237},{"text":"Beautiful.","start":2348.75,"end":2349.25,"sentiment":"neutral","sentiment_score":0.20808953046798703},{"text":"And the last question is, have you ever thought about taking out a loan to invest outside of an investment property?","start":2364.135,"end":2370.795,"sentiment":"neutral","sentiment_score":-0.0056510138369741895}],"sentiment":"neutral","sentiment_score":-0.03930200336035341,"num_words":80,"start":2322.81,"end":2370.795},{"sentences":[{"text":"Nope.","start":2373.095,"end":2373.595,"sentiment":"neutral","sentiment_score":-0.017159907147288322},{"text":"Beautiful.","start":2373.735,"end":2374.235,"sentiment":"neutral","sentiment_score":0.14047890901565552},{"text":"Okay.","start":2374.935,"end":2375.435,"sentiment":"neutral","sentiment_score":0.13592100143432617},{"text":"So you've actually scored as growth investors.","start":2375.495,"end":2378.235,"sentiment":"neutral","sentiment_score":0.218639075756073},{"text":"So I actually have no issues in recommending that you up your your risk profile a little to go take a little bit take on a little bit more growth.","start":2380.33,"end":2395.955,"sentiment":"neutral","sentiment_score":0.05562390796840191}],"sentiment":"neutral","sentiment_score":0.08646076931618155,"num_words":40,"start":2373.095,"end":2395.955},{"sentences":[{"text":"You understand the market.","start":2397.535,"end":2399.075,"sentiment":"neutral","sentiment_score":0.10476151667535305},{"text":"You're you don't seem emotionally reactive to markets market movement, and you understand it.","start":2399.455,"end":2410.79,"sentiment":"neutral","sentiment_score":0.012090891333562987},{"text":"So I think that I I could definitely recommend you change to a gross risk profile and take on a little bit more exposure to those gross assets to help you build that portfolio as well.","start":2412.93,"end":2428.005,"sentiment":"neutral","sentiment_score":0.1284654119776355},{"text":"Are you happy for me to may have a little bit of a when I because I've got I'm reviewing those investment options anyway, so part of that would form me looking at a different not necessarily a different, but a little bit more exposure to growth?","start":2431.345,"end":2445.8901,"sentiment":"neutral","sentiment_score":0.26020698701130585},{"text":"Lovely.","start":2447.6301,"end":2448.1301,"sentiment":"positive","sentiment_score":0.6143636703491211}],"sentiment":"neutral","sentiment_score":0.1770310336906536,"num_words":102,"start":2397.535,"end":2448.1301},{"sentences":[{"text":"Okay.","start":2449.565,"end":2449.9648,"sentiment":"neutral","sentiment_score":0.28008759021759033},{"text":"The next document should be a certificate of currency for insurance, if I'm correct.","start":2449.9648,"end":2459.4248,"sentiment":"neutral","sentiment_score":0.15782701117651804},{"text":"I'm just navigating through.","start":2460.2048,"end":2462.71,"sentiment":"neutral","sentiment_score":0.12000594288110733},{"text":"I've got all your documents on one screen, so it won't be a sec.","start":2462.71,"end":2466.0098,"sentiment":"neutral","sentiment_score":0.15366017552358763},{"text":"And it should be ClearView for yourself, Andrew.","start":2470.95,"end":2473.69,"sentiment":"neutral","sentiment_score":0.16230187378823757}],"sentiment":"neutral","sentiment_score":0.15656943819144878,"num_words":41,"start":2449.565,"end":2473.69},{"sentences":[{"text":"Yep.","start":2475.2698,"end":2475.765,"sentiment":"neutral","sentiment_score":0.16864672303199768},{"text":"It's basically confirming what we discussed on the cover page.","start":2476.005,"end":2480.325,"sentiment":"neutral","sentiment_score":0.23636760413646699},{"text":"It's just the certificate of currency.","start":2480.325,"end":2482.105,"sentiment":"neutral","sentiment_score":0.18379475424687067},{"text":"What it means is that your policy is enforced, paid, and in place.","start":2482.2449,"end":2487.93,"sentiment":"neutral","sentiment_score":0.17449572854317152},{"text":"And the next one for yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information.","start":2488.8098,"end":2499.39,"sentiment":"neutral","sentiment_score":0.18026909697800875}],"sentiment":"neutral","sentiment_score":0.18944433497058022,"num_words":54,"start":2475.2698,"end":2499.39},{"sentences":[{"text":"No?","start":2502.65,"end":2503.15,"sentiment":"neutral","sentiment_score":-0.0963667929172516},{"text":"Okay.","start":2504.1848,"end":2504.6848,"sentiment":"neutral","sentiment_score":-0.085362009704113},{"text":"I can't see it either.","start":2505.145,"end":2507.145,"sentiment":"neutral","sentiment_score":-0.14679765850305557},{"text":"I'm just through.","start":2507.145,"end":2509.885,"sentiment":"neutral","sentiment_score":-0.06625188514590263},{"text":"Give me one sec.","start":2514.9849,"end":2516.025,"sentiment":"neutral","sentiment_score":-0.033937330823391676}],"sentiment":"neutral","sentiment_score":-0.08930157670485121,"num_words":14,"start":2502.65,"end":2516.025},{"sentences":[{"text":"I'll jump into to your folder, Kim, and double check.","start":2516.025,"end":2518.6301,"sentiment":"neutral","sentiment_score":0.009579384699463844},{"text":"It might be that it wasn't generated.","start":2533.265,"end":2535.925,"sentiment":"neutral","sentiment_score":-0.03840413583176477},{"text":"So I can have I'm just jumping into the resolution life portal right now.","start":2536.145,"end":2542.245,"sentiment":"neutral","sentiment_score":0.011130662501922675},{"text":"I press the wrong button.","start":2545.1099,"end":2546.33,"sentiment":"neutral","sentiment_score":-0.03470401912927627},{"text":"I can get that generated and sent through to you, post our meetings.","start":2552.95,"end":2558.4949,"sentiment":"neutral","sentiment_score":0.023170067857091244}],"sentiment":"neutral","sentiment_score":0.0022547950550001494,"num_words":49,"start":2516.025,"end":2558.4949},{"sentences":[{"text":"But I would at least like to be able to confirm with you on the phone that it's actually in force.","start":2560.475,"end":2566.4949,"sentiment":"neutral","sentiment_score":0.1053263477626301},{"text":"There we go.","start":2572.0098,"end":2573.0698,"sentiment":"neutral","sentiment_score":-0.002861178790529569},{"text":"Actually, we might not manage that, Kim.","start":2601.16,"end":2603.64,"sentiment":"neutral","sentiment_score":-0.15522981328623636},{"text":"It might be.","start":2603.64,"end":2606.485,"sentiment":"neutral","sentiment_score":-0.04039564480384191},{"text":"We can take it over and have it all as one if you like.","start":2606.485,"end":2609.5251,"sentiment":"neutral","sentiment_score":0.13300816342234612}],"sentiment":"neutral","sentiment_score":0.0595330922321106,"num_words":48,"start":2560.475,"end":2609.5251},{"sentences":[{"text":"Like, it it would stay with Resolution Life.","start":2609.5251,"end":2612.165,"sentiment":"neutral","sentiment_score":0.14904999919235706},{"text":"We can take it over if you like, so it's part forms part of your review.","start":2612.165,"end":2616.585,"sentiment":"neutral","sentiment_score":0.19716277159750462},{"text":"Because I'm just logging in, having a look.","start":2617.1902,"end":2619.37,"sentiment":"neutral","sentiment_score":0.10314771346747875},{"text":"There should be no reason why we cannot because all it does is it transfers over to us as a business, and we just manage it for you.","start":2619.83,"end":2630.505,"sentiment":"neutral","sentiment_score":0.05488376425845282},{"text":"Yeah.","start":2632.1848,"end":2632.505,"sentiment":"neutral","sentiment_score":0.0790017694234848}],"sentiment":"neutral","sentiment_score":0.11127759369670367,"num_words":61,"start":2609.5251,"end":2632.505},{"sentences":[{"text":"Alright.","start":2632.505,"end":2632.825,"sentiment":"neutral","sentiment_score":0.09741424024105072},{"text":"Let me look into that.","start":2632.825,"end":2633.9448,"sentiment":"neutral","sentiment_score":0.10298978537321091},{"text":"I'm gonna make a note of that to see if we can.","start":2633.9448,"end":2636.4248,"sentiment":"neutral","sentiment_score":0.14079254493117332},{"text":"So I'll get one of my colleagues onto that.","start":2636.4248,"end":2638.6848,"sentiment":"neutral","sentiment_score":0.13254123429457346},{"text":"It'd just be a form that you'd need to sign.","start":2639.4648,"end":2641.6448,"sentiment":"neutral","sentiment_score":0.07118412367999553}],"sentiment":"neutral","sentiment_score":0.11369151491168383,"num_words":37,"start":2632.505,"end":2641.6448},{"sentences":[{"text":"Okay.","start":2643.625,"end":2643.9448,"sentiment":"neutral","sentiment_score":0.013637343421578407},{"text":"So my apologies about that.","start":2643.9448,"end":2645.305,"sentiment":"neutral","sentiment_score":-0.1801063247025013},{"text":"I gave you the information there, Kim.","start":2645.305,"end":2647.55,"sentiment":"neutral","sentiment_score":-0.029387977506433214},{"text":"The next document should be a financial services guide.","start":2649.29,"end":2653.07,"sentiment":"neutral","sentiment_score":-0.00585503193239371},{"text":"Yep.","start":2654.49,"end":2654.99,"sentiment":"neutral","sentiment_score":0.06969004124403}],"sentiment":"neutral","sentiment_score":-0.04676588559928148,"num_words":23,"start":2643.625,"end":2654.99},{"sentences":[{"text":"That's a legal document.","start":2655.77,"end":2657.23,"sentiment":"neutral","sentiment_score":0.08208369836211205},{"text":"It's been updated as of June.","start":2657.29,"end":2659.29,"sentiment":"neutral","sentiment_score":0.12403763706485431},{"text":"So every time we update it, we give our clients a new one.","start":2659.29,"end":2664.095,"sentiment":"neutral","sentiment_score":0.1371272664803725},{"text":"Same information remains, who we are, what we do, the advice we provide, how we provide it, fees.","start":2664.315,"end":2673.9148,"sentiment":"neutral","sentiment_score":0.15811982254187265},{"text":"And the most important part of that document is actually the compliance the compliance the complaints process.","start":2673.9148,"end":2680.04,"sentiment":"neutral","sentiment_score":0.1843834720990237}],"sentiment":"neutral","sentiment_score":0.1523429467503367,"num_words":58,"start":2655.77,"end":2680.04},{"sentences":[{"text":"So the document is always available on the website, but we do include it in our review packs to make sure that clients have it and are aware of it.","start":2681.7,"end":2689.375,"sentiment":"neutral","sentiment_score":0.20043754155437152},{"text":"The next document, I'm going to rely on you to tell me what it is because I'm not sure which order they've put the last slot in.","start":2691.595,"end":2700.25,"sentiment":"neutral","sentiment_score":-0.03502441204532429},{"text":"Okay.","start":2705.91,"end":2706.39,"sentiment":"neutral","sentiment_score":0.025703079998493195},{"text":"Is that for Andrew or Kim?","start":2706.39,"end":2708.8098,"sentiment":"neutral","sentiment_score":0.02992085460573435},{"text":"Lovely.","start":2713.75,"end":2714.25,"sentiment":"positive","sentiment_score":0.511437177658081}],"sentiment":"neutral","sentiment_score":0.08898665394920569,"num_words":65,"start":2681.7,"end":2714.25},{"sentences":[{"text":"Okay.","start":2714.385,"end":2714.625,"sentiment":"neutral","sentiment_score":0.32519274950027466},{"text":"I'll get the right one up.","start":2714.625,"end":2716.0051,"sentiment":"neutral","sentiment_score":0.32647686700026196},{"text":"So you'll both have one of these.","start":2716.145,"end":2718.085,"sentiment":"neutral","sentiment_score":0.218731484242848},{"text":"Because you're invested as a couple, you get the discounted fee rate of 1.1%.","start":2719.025,"end":2725.285,"sentiment":"neutral","sentiment_score":0.2234810164996556},{"text":"Andrew, your annual fee, even though it's a percent based fee, what we do is it's fixed.","start":2726.225,"end":2734.05,"sentiment":"neutral","sentiment_score":0.09704862797961515}],"sentiment":"neutral","sentiment_score":0.19097189439667595,"num_words":45,"start":2714.385,"end":2734.05},{"sentences":[{"text":"So it will be based on the one balance and then deducted monthly.","start":2734.75,"end":2742.29,"sentiment":"neutral","sentiment_score":0.10415683744045404},{"text":"So that works out to be $225.89 a month.","start":2742.35,"end":2746.655,"sentiment":"neutral","sentiment_score":0.11780627485778597},{"text":"Previously, it would fluctuate with the market.","start":2747.275,"end":2749.9949,"sentiment":"neutral","sentiment_score":0.006170596395220075},{"text":"It'd be just the percent based fee, but that that doesn't provide a lot of transparency for clients.","start":2749.9949,"end":2757.4802,"sentiment":"neutral","sentiment_score":0.031850719513992466},{"text":"And our aim is to provide transparency and consistency so you know what your fee is.","start":2760.26,"end":2765.62,"sentiment":"neutral","sentiment_score":0.1837312481366098}],"sentiment":"neutral","sentiment_score":0.0947698802642879,"num_words":63,"start":2734.75,"end":2765.62},{"sentences":[{"text":"And just because the market's performing well one month, that doesn't necessarily mean that we should get paid more that month.","start":2765.62,"end":2772.4548,"sentiment":"neutral","sentiment_score":0.0170918997554552},{"text":"That should be yours.","start":2772.6748,"end":2774.4548,"sentiment":"neutral","sentiment_score":0.16203984059393406},{"text":"So we've changed our fee structure to be it's based on a calculated on a percent, but then it's set as an annual fee.","start":2774.9148,"end":2782.1348,"sentiment":"neutral","sentiment_score":0.10578495388229688},{"text":"Kim, yours should be the next one.","start":2785.3499,"end":2787.8499,"sentiment":"neutral","sentiment_score":0.14393833386046545},{"text":"So your fee is $2,439.64 per month, same arrangement as I just explained, and that would equate to $203.30 per month, and they're both deducted from your superannuation balance on a monthly basis.","start":2788.95,"end":2808.105,"sentiment":"neutral","sentiment_score":0.10676964169198816}],"sentiment":"neutral","sentiment_score":0.09075162543004818,"num_words":89,"start":2765.62,"end":2808.105},{"sentences":[{"text":"The next document is is it?","start":2811.1602,"end":2816.22,"sentiment":"neutral","sentiment_score":0.06294758307437102},{"text":"Yep.","start":2819.72,"end":2820.2,"sentiment":"neutral","sentiment_score":0.17552880942821503},{"text":"Okay.","start":2820.2,"end":2820.68,"sentiment":"positive","sentiment_score":0.44934624433517456},{"text":"Fantastic.","start":2820.68,"end":2821.18,"sentiment":"positive","sentiment_score":0.7515186071395874},{"text":"That means that the tax file number forms and all that have already been done previously, so that's great.","start":2823.335,"end":2829.175,"sentiment":"positive","sentiment_score":0.6626585721969604}],"sentiment":"positive","sentiment_score":0.5123068582532662,"num_words":28,"start":2811.1602,"end":2829.175},{"sentences":[{"text":"So, basically, following all that, do you have any questions?","start":2829.175,"end":2833.1948,"sentiment":"neutral","sentiment_score":0.1830309696495533},{"text":"Yes.","start":2839.99,"end":2840.49,"sentiment":"neutral","sentiment_score":0.048400718718767166},{"text":"Mhmm.","start":2847.4302,"end":2847.735,"sentiment":"neutral","sentiment_score":-0.00999443233013153},{"text":"Yes.","start":2856.455,"end":2856.955,"sentiment":"neutral","sentiment_score":0.04991251230239868},{"text":"So if you were to sell yep.","start":2869.75,"end":2872.365,"sentiment":"neutral","sentiment_score":-0.010506994814412403}],"sentiment":"neutral","sentiment_score":0.09225397657428402,"num_words":20,"start":2829.175,"end":2872.365},{"sentences":[{"text":"Yep.","start":2879.405,"end":2879.905,"sentiment":"neutral","sentiment_score":0.041174061596393585},{"text":"And claim it as a tax deduction?","start":2880.365,"end":2882.145,"sentiment":"neutral","sentiment_score":0.0019493985122867993},{"text":"Yep.","start":2884.285,"end":2884.5,"sentiment":"neutral","sentiment_score":0.004952888935804367},{"text":"Yep.","start":2890.42,"end":2890.92,"sentiment":"neutral","sentiment_score":0.013608436100184916},{"text":"It's all about timing.","start":2891.3,"end":2892.76,"sentiment":"neutral","sentiment_score":0.007551215589046478}],"sentiment":"neutral","sentiment_score":0.007399002755326884,"num_words":14,"start":2879.405,"end":2892.76},{"sentences":[{"text":"Yeah.","start":2893.46,"end":2893.96,"sentiment":"neutral","sentiment_score":0.02190367132425308},{"text":"Yep.","start":2894.66,"end":2895.16,"sentiment":"neutral","sentiment_score":0.02198132686316967},{"text":"We correct.","start":2895.38,"end":2899.4,"sentiment":"neutral","sentiment_score":0.016767393797636032},{"text":"So it serves two it serves two purposes.","start":2899.46,"end":2902.465,"sentiment":"neutral","sentiment_score":0.04912781435996294},{"text":"It's a it's a very common strategy used to offset capital gains tax because the superannual so it's gotta be timed correctly.","start":2902.5251,"end":2917.29,"sentiment":"neutral","sentiment_score":0.028910849582065235}],"sentiment":"neutral","sentiment_score":0.03254355857258334,"num_words":34,"start":2893.46,"end":2917.29},{"sentences":[{"text":"So and by saying that, you wouldn't wanna be selling a property on either side very close to the financial year because you could actually do yourself an injustice if depending on when settlement is and if you can't get the money into super quick enough.","start":2918.07,"end":2935.775,"sentiment":"neutral","sentiment_score":-0.15429142133697218},{"text":"So you wouldn't wanna do it too close to the thirtieth of June just with that that risk there.","start":2936.235,"end":2943.7898,"sentiment":"neutral","sentiment_score":-0.1536746846609994},{"text":"You'd be better off either pushing it out to the next financial year if that was.","start":2945.2898,"end":2953.455,"sentiment":"neutral","sentiment_score":-0.24988942686468363},{"text":"But you we will we can talk you through that and say, you know, these are gonna be the cutoff dates for money to be put into super because every super fund has a cutoff date where they'll accept it.","start":2954.0151,"end":2965.7952,"sentiment":"neutral","sentiment_score":-0.08735147416591645},{"text":"Yeah.","start":2967.33,"end":2967.57,"sentiment":"neutral","sentiment_score":0.15829113125801086}],"sentiment":"neutral","sentiment_score":-0.1422231397973221,"num_words":122,"start":2918.07,"end":2967.57},{"sentences":[{"text":"When you're considering it, we will do that's definite I can definitely help with that.","start":2967.57,"end":2973.49,"sentiment":"positive","sentiment_score":0.3538853496313095},{"text":"I've done that many, many times.","start":2973.49,"end":2976.07,"sentiment":"neutral","sentiment_score":0.19519337763388953},{"text":"Your accountant is very good for mentioning it and bringing it up.","start":2976.61,"end":2979.9102,"sentiment":"positive","sentiment_score":0.5010366390148798},{"text":"So, yeah, when that time does come, we would put we would work with your accountant to I would like to speak with him with your permission, him or her, sorry, to say he could provide they could provide the the tax implications or estimates that you'd be facing, and then we can work with them to make sure that the corrected money's amount of money's put in to offset that capital gains as much as possible.","start":2980.6902,"end":3012.84,"sentiment":"neutral","sentiment_score":0.13185370742500602},{"text":"And then the remainder, you depending on the time frame, you may not want to put into superannuation if you're unable to access it for still another couple of years.","start":3014.225,"end":3025.125,"sentiment":"neutral","sentiment_score":-0.12442152015864849}],"sentiment":"neutral","sentiment_score":0.13508550032441105,"num_words":140,"start":2967.57,"end":3025.125},{"sentences":[{"text":"So well, you are well, you can only you will be limited to the amount you can put in based on, like yeah.","start":3029.74,"end":3039.565,"sentiment":"neutral","sentiment_score":0.017447485952921536},{"text":"But don't forget that your your employer contributions reduce that 30,000 each year as well.","start":3039.625,"end":3047.385,"sentiment":"neutral","sentiment_score":0.008268324782450993},{"text":"So hasn't yeah.","start":3047.385,"end":3050.6848,"sentiment":"neutral","sentiment_score":0.007918118188778562},{"text":"Yep.","start":3051.865,"end":3052.365,"sentiment":"neutral","sentiment_score":0.014481887221336365},{"text":"Yep.","start":3053.77,"end":3054.17,"sentiment":"neutral","sentiment_score":0.06232302635908127}],"sentiment":"neutral","sentiment_score":0.014555263181411943,"num_words":43,"start":3029.74,"end":3054.17},{"sentences":[{"text":"But but the capital gain will be applied evenly to each of you.","start":3054.17,"end":3059.0698,"sentiment":"neutral","sentiment_score":0.041228193789720535},{"text":"So he won't be able to apply any of his tax offsets to you.","start":3059.53,"end":3064.0898,"sentiment":"neutral","sentiment_score":0.02801015374383756},{"text":"So just depending on how how the house is is is purchased and structured.","start":3064.0898,"end":3069.685,"sentiment":"neutral","sentiment_score":0.0495430805853435},{"text":"But we would we would deep dive and do that then.","start":3069.825,"end":3073.445,"sentiment":"neutral","sentiment_score":0.07418936355547472},{"text":"But it's definitely a strategy it's definitely a strategy you can employ when that time comes.","start":3074.705,"end":3080.725,"sentiment":"neutral","sentiment_score":0.26456032507121563}],"sentiment":"neutral","sentiment_score":0.09809941176653784,"num_words":68,"start":3054.17,"end":3080.725},{"sentences":[{"text":"Yeah.","start":3081.5051,"end":3082.0051,"sentiment":"neutral","sentiment_score":0.2355758249759674},{"text":"Alright.","start":3084.3298,"end":3084.8298,"sentiment":"positive","sentiment_score":0.5357668399810791},{"text":"Fantastic.","start":3085.7698,"end":3086.2698,"sentiment":"positive","sentiment_score":0.8361741900444031},{"text":"Well, what my homework from here is is I'm going to go and do some investment research and do what we call an advice document.","start":3086.49,"end":3097.23,"sentiment":"neutral","sentiment_score":0.08351281434297561},{"text":"While I've both got you on the phone, I will need another meeting with you both just to present that advice just because we're changing the risk profile a little bit and the investments.","start":3097.475,"end":3110.375,"sentiment":"neutral","sentiment_score":0.04636808616273543}],"sentiment":"neutral","sentiment_score":0.0850298732759491,"num_words":62,"start":3081.5051,"end":3110.375},{"sentences":[{"text":"Andrew, how long are you still off work for?","start":3111.16,"end":3114.06,"sentiment":"neutral","sentiment_score":-0.029307269905176427},{"text":"Yep.","start":3119.08,"end":3119.58,"sentiment":"neutral","sentiment_score":0.011151421815156937},{"text":"Okay.","start":3123.56,"end":3124.06,"sentiment":"neutral","sentiment_score":0.013177556917071342},{"text":"If I looked at the week beginning the October 5, do you both prefer an evening?","start":3124.575,"end":3133.2148,"sentiment":"neutral","sentiment_score":0.009665357763879001},{"text":"I've got Thursday, the eighth available.","start":3133.2148,"end":3135.635,"sentiment":"neutral","sentiment_score":0.028944816440343857}],"sentiment":"neutral","sentiment_score":0.00269327795302326,"num_words":33,"start":3111.16,"end":3135.635},{"sentences":[{"text":"Yep.","start":3139.855,"end":3140.16,"sentiment":"neutral","sentiment_score":0.04768090695142746},{"text":"Yep.","start":3142.16,"end":3142.64,"sentiment":"neutral","sentiment_score":0.026023607701063156},{"text":"So 05:30 again?","start":3142.64,"end":3144.26,"sentiment":"neutral","sentiment_score":0.012532299074033896},{"text":"Okay.","start":3146.3198,"end":3146.8198,"sentiment":"neutral","sentiment_score":0.051020823419094086},{"text":"Alright.","start":3147.3599,"end":3147.8599,"sentiment":"neutral","sentiment_score":0.0809631496667862}],"sentiment":"neutral","sentiment_score":0.034755054994353225,"num_words":7,"start":3139.855,"end":3147.8599},{"sentences":[{"text":"I'm gonna lock that in.","start":3147.92,"end":3149.2,"sentiment":"neutral","sentiment_score":0.07995019555091858},{"text":"I will send you both a calendar invite tomorrow to so that you have that in your calendar.","start":3149.2,"end":3157.0552,"sentiment":"neutral","sentiment_score":0.12914576133092245},{"text":"And I'll also make sure that we get some information on that resolution live and see how we can get that over to us.","start":3158.0752,"end":3170.87,"sentiment":"neutral","sentiment_score":0.013638021734853586},{"text":"Yes.","start":3171.81,"end":3172.21,"sentiment":"neutral","sentiment_score":-0.006197703070938587},{"text":"Yep.","start":3172.21,"end":3172.69,"sentiment":"neutral","sentiment_score":0.009644662030041218}],"sentiment":"neutral","sentiment_score":0.062349676781771134,"num_words":49,"start":3147.92,"end":3172.69},{"sentences":[{"text":"Then we'll chat we'll change it to a non lapse thing so it doesn't lapse.","start":3172.69,"end":3176.45,"sentiment":"neutral","sentiment_score":0.007115880648295085},{"text":"Yeah.","start":3176.45,"end":3176.95,"sentiment":"neutral","sentiment_score":0.06771662086248398},{"text":"Yep.","start":3177.17,"end":3177.41,"sentiment":"neutral","sentiment_score":0.13597151637077332},{"text":"We'll get all that sorted for you.","start":3177.41,"end":3179.745,"sentiment":"neutral","sentiment_score":0.2522049482379641},{"text":"And then in the meantime, any questions, reach out.","start":3179.905,"end":3184.485,"sentiment":"neutral","sentiment_score":0.1479663136932585}],"sentiment":"neutral","sentiment_score":0.10325932751099269,"num_words":33,"start":3172.69,"end":3184.485},{"sentences":[{"text":"And if you're happy to sign those ongoing consent forms, so I'll ask you to do that when you're happy and ready if you are, and we'll go from there.","start":3184.625,"end":3194.5,"sentiment":"neutral","sentiment_score":0.17614861975113552},{"text":"Sorry?","start":3197.5999,"end":3198.0999,"sentiment":"neutral","sentiment_score":-0.022489391267299652},{"text":"I've never yep.","start":3204.08,"end":3205.78,"sentiment":"neutral","sentiment_score":-0.10115044191479683},{"text":"I've never actually done it myself, to be honest.","start":3205.84,"end":3208.26,"sentiment":"neutral","sentiment_score":-0.1286877633796798},{"text":"It's I think it's it's supposed to be yeah.","start":3209.775,"end":3214.175,"sentiment":"neutral","sentiment_score":0.02857372175074286}],"sentiment":"neutral","sentiment_score":0.07802868270888351,"num_words":52,"start":3184.625,"end":3214.175},{"sentences":[{"text":"Okay.","start":3214.175,"end":3214.675,"sentiment":"neutral","sentiment_score":0.11913374066352844},{"text":"Alright.","start":3215.135,"end":3215.535,"sentiment":"neutral","sentiment_score":0.16666656732559204},{"text":"Let's have a look.","start":3215.535,"end":3216.255,"sentiment":"neutral","sentiment_score":0.15709802508354187},{"text":"I'll tell you if it worked because I think I usually it usually comes through pretty quickly.","start":3216.255,"end":3222.29,"sentiment":"positive","sentiment_score":0.3706607178730123},{"text":"It's supposed to be pretty user friendly.","start":3223.9502,"end":3226.05,"sentiment":"positive","sentiment_score":0.5346611738204956}],"sentiment":"positive","sentiment_score":0.36526842763026557,"num_words":30,"start":3214.175,"end":3226.05},{"sentences":[{"text":"So fingers crossed that is for you.","start":3226.27,"end":3230.37,"sentiment":"positive","sentiment_score":0.529864136661802},{"text":"It will come through as it does anyway.","start":3235.31,"end":3237.815,"sentiment":"positive","sentiment_score":0.5337163545191288},{"text":"If there's any issues, one of my colleagues will reach out to you to let you know.","start":3239.075,"end":3243.175,"sentiment":"neutral","sentiment_score":0.1923590319998124},{"text":"But I will be speaking with you both on the eighth to present that advice and make those changes to your portfolio.","start":3243.555,"end":3251.69,"sentiment":"neutral","sentiment_score":0.2504042224450545},{"text":"Is that okay?","start":3258.07,"end":3258.97,"sentiment":"neutral","sentiment_score":0.14486304422219595}],"sentiment":"neutral","sentiment_score":0.30162044496912704,"num_words":57,"start":3226.27,"end":3258.97},{"sentences":[{"text":"Yep.","start":3260.47,"end":3260.97,"sentiment":"neutral","sentiment_score":0.22732669115066528},{"text":"Beautiful.","start":3261.19,"end":3261.69,"sentiment":"positive","sentiment_score":0.7721408605575562},{"text":"Alright.","start":3262.07,"end":3262.47,"sentiment":"positive","sentiment_score":0.7046715617179871},{"text":"Fantastic.","start":3262.47,"end":3262.97,"sentiment":"positive","sentiment_score":0.796149730682373},{"text":"Well, if you have any questions, please, again, in the meantime, just give me a call.","start":3263.575,"end":3267.595,"sentiment":"neutral","sentiment_score":0.2205615621060133}],"sentiment":"neutral","sentiment_score":0.3014636918902397,"num_words":20,"start":3260.47,"end":3267.595},{"sentences":[{"text":"Otherwise, I look forward to speaking to you both in about two weeks.","start":3267.815,"end":3271.5151,"sentiment":"positive","sentiment_score":0.4715762986586644},{"text":"Beautiful.","start":3273.815,"end":3274.315,"sentiment":"positive","sentiment_score":0.8438774943351746},{"text":"Thank you so much.","start":3274.375,"end":3275.4028,"sentiment":"positive","sentiment_score":0.8733734786510468},{"text":"Have a awesome evening.","start":3275.6428,"end":3276.9429,"sentiment":"positive","sentiment_score":0.8069084584712982},{"text":"Okay.","start":3278.9229,"end":3279.4229,"sentiment":"positive","sentiment_score":0.36579176783561707}],"sentiment":"positive","sentiment_score":0.6113603866618612,"num_words":23,"start":3267.815,"end":3279.4229},{"sentences":[{"text":"Bye.","start":3279.6428,"end":3280.1428,"sentiment":"neutral","sentiment_score":0.24407166242599487},{"text":"Bye.","start":3281.0828,"end":3281.5828,"sentiment":"neutral","sentiment_score":-0.1007021814584732}],"sentiment":"neutral","sentiment_score":0.07168474048376083,"num_words":2,"start":3279.6428,"end":3281.5828}]}}]},{"alternatives":[{"transcript":"Thank you. Thank you. Hello. Andrew speaking. I'm good. Thank you. Yep. Yep. Andrew Robert Hearn. 09/17/1970. 21 Warragile Place, Malowa Bay, New South Wales 2536. Yep. Yep. Yep. She's just here. Yeah. Yeah. King Marie Hearn, first of the eight seventy two, twenty one Marlborough Place in Little Bay. Yeah. Good day. Oh, it's going. It's only been three weeks, but yeah. Yep. Starting to yep. Yep. That's right. There is on my side, not so much on Kim. So I've changed jobs. So I have a couple of things on at the moment. So I'm managing a house build for a client, and I've also started as a building and facilities manager at a private school, which is the school that Kim works at. And once I finish this house build, which will probably be towards the end of next year, I will then be full time at the school. Yep. Yes. Yeah. We have adult children. Two? One does live on our property in a tiny home. And he's actually just going through the process of joining up with you guys. Yep. Oh, I'm just contracting to them as a, like a sole trader, as a building consultant? Well, it'll like, it depends on how much at any given time, but I guess from this financial year onwards with my other job, I'll still be looking at probably earning around about a 100 to 110,000. Yes. And then I obviously get super put in from the Anglican College as well. We'll have to agree, obviously. Yes. I can't remember what we did, but it would have to. It's not that much. Yeah. Not not much has changed there from, like From last year. From last year. No. I I didn't have a lot of work at the beginning of the first part of the year until this this sort of house started. Yep. Still the same? Yep. I think it's what is it now? More like a $102,100 and 105 or something? 105. A super. No. Not our not myself. The debt is now $5.42 or something, I think. And, yes, it's still about the one around the one meal. Yep. So debt's $3.11, and it's probably valued about 500. 500 just over. Probably only 18 now, let's say. That's what it can get to. I think there's about 4,000 sitting on it now that was used. Yep. Probably not worth it. So worth 40. Yes. We have done our will. Did we do a style of attorney in there? We did a will. Yeah. We've done a will. We did quite a basic will because we sort of just well, we did a will for it. We did a will, but I don't know if we did care of it. Oh, he was clear. Yeah. I think Yeah. Yeah. Yep. Yeah. I'm pretty sure we did. So, yes, we have a little amount. Yeah. I'm pretty sure we put that case down. Yep. Yeah. So all all of that's been all that's been completed. That's been completed. We still have some we still have some construction to do, but the tiny home is done. Mhmm. We still have some more concreting to do. We have a veranda to build, and we have retaining walls to build. So we still have some external construction to do. Okay. Not the investment. I want our house paid off. Yeah. I don't want the investment doesn't matter to us because when we sell it, we'll pay it off. But I would love to own the family home. Yeah. That's a bit backwards. Nah. Not international. I just wanna travel around Australia. Oh, the same. Just have a bit more time to ourselves. Yep. Yep. It's been working quite well. So, yeah, nothing really has changed in that area. Yep. Andrew is, I don't. As in the money that we are we yeah. Our insurance that we insure ourselves against? Yep. Yeah. So I wanna know that if Andrew died, then I don't have any debt. And the same if I die, he doesn't have any debt. My insurance is not with you guys because they wouldn't insure me, so I just saved it's my old insurer. Resolution. Yes. Yeah. Yep. Yep. Yep. Oh, can you change that? Yeah. Yeah. I don't know how that happened, but yeah. Yep. I think I asked that last Yeah. I think that come up last year. Yep. Yeah. We can set set up. Yeah. We can do that tonight. The computer's set up. Yep. Okay. Bye bye. Yep. Yeah. That's not gonna happen. Yes. Yes. Yep. Can I just confirm the email that you have for me there now? So yep. Yep. Yep. Yeah. That's correct. Yep. I still get some stuff sent to my old work one. I I do have access to my old work one, but I sort of don't it's not a usable one because it belongs to where I used to work. But some outfield outfield stuff still goes there, like just yeah. Just random stuff. Yeah. Yeah. Is that yet? Yeah. Some of it yet. Some is the newsletter and stuff. Oh, okay. Yep. Okay. Yep. Yep. Yep. Yep. Yep. I've got the email. Yep. Did you want me to go so we got the email. Yep. Okay. So do I click on the sign document? Yep. Okay. Yep. Yes. It is. Yep. Yep. Yep. Yep. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh. Yep. Yep. Yep. That's fine. Mhmm. Yep. I can take my money out. Yeah. No. That's fine. Yeah. Yep. No. Yep. Yep. Yes. You get so much more if I die. That's not fair. It's just the difference between male and female. Yeah. That's fine. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Oh, yep. Here we go. Yep. Got it now. Vanguard index chart. Yep. Yep. Yep. Yep. Yep. Yep. Well, what's better? Like, what is the risk if we went a bit more? Like, what what's the norm? Like, what what do most people do? Like, considering we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to, like, ten years. What would you suggest? We didn't really worry about it. Yeah. We didn't. Knew it was all managed, and we knew we still had this, and it is what it is. Yep. Yep. Yep. So what what does that look at in? How many years does that look at in for? Yep. Yep. Yep. Yes. Yep. Yep. Oh, no. I think we'll complete that questionnaire. We sort of have time, you know, if you're looking well, if we said 65 or I've only just turned 56 and and that. So we've got, like, that that sort of period of time. Just the investment property, I guess. Let's see. Anything we've done? We haven't done anything else. Well, I guess it's for me, it's that sort of around the ten year mark. Yeah. About ten years until I I mean, I've got too tired early, but it's gonna happen. So Oh, moderate amount. Yeah. Moderate to high. I mean, with our rates, we can still do a little bit of risk. Yeah. Hi. Yeah. I'm a bit the same, moderate to high. I sort of still look and go, well, got ten years sort of thing. So yep. Yep. Oh, I think it was to get someone's opinion on an expert. I have no idea what you're talking about. Yeah. And that's the thing. It's it's We don't know what we're talking about. That's why we get someone to do it. Yeah. Probably hold on, mate. Yep. Take advice. I'd like to think six to eight. Yeah. They said, like, no more than no less than six to eight. Yep. Yep. Oh, no. Just optimistic. Obviously, prior to engaging you guys, investments are doing nothing. So we've seen, obviously, a significant turnaround to that. So we're we're pretty optimistic now. No. No. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Oh, I didn't oh, is that no. I didn't have that. The income protection was confused when you're wrong. Only thirty day waiting period. Yeah. I don't think you do. Okay. That'd be that would be better. Yeah. Yep. I've got consent to new ongoing fee arrangement. And that is for Andrew. Yep. Yep. Yep. Yes. Yep. Yes. It is. Yes. Yep. I think that's all. Okay. Click to Now it says click to start. The other one I do have is so with the investment property, if we plan, say, in the next, you know, if we do this high high risk and then say in the next, say, three to five years, we decided to sell the investment property and made decent money and then put that into super or the the maximum amount we can put into super, does that just then go into our balance and then start to work with it? What does that do? Like, you know how you can do so when we went to the account the other day, you can do five years back of super up to $30,000. So if we went through and, yeah, so if we sold the property, made money, and put it into season before we had to pay capital gains, does that then just so that then doesn't add to our money and you start investing that? Okay. Yep. Okay. Yep. Okay. Yes. Okay. So at this time, would she talk to you guys first? Yes. Yep. Yep. Yep. Oh, we wanna put the maximum. I think we're now to take capital gains on it. Yeah. 30,000 dollars a year for the last five or something. Yeah. Yeah. That's right. But see, Andrew hasn't worked much over the last two years, so we could use more on him. Yeah. Yes. Oh, okay. Oh, yeah. Let's see. Yep. That's right. And then yeah. Yeah. Cool. Okay. Yes. That's good. Probably, yeah. I'm sort of doing a little bit of work from home and that, but, yeah, it's like I'm probably still here at home for a couple of weeks. Yeah. And even this time of an evening works because obviously, you know, it's him still gonna get home. So yep. Yep. Yep. And that's formed so I cannot be on so that Yep. Yeah. You just click to start again? You just gotta click to start, and then that's how you sign it, or where do you sign it? Oh, yeah. I see signature. Cool. I think I just did it anyway. I just did it anyway. Yeah. Yeah. Yep. Absolutely. Yep. No worries. Not a problem. Thank you. Alright. 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Thank you. Hello. Andrew speaking. I'm good.\n\nThank you. Yep. Yep. Andrew Robert Hearn. 09/17/1970.\n\n21 Warragile Place, Malowa Bay, New South Wales 2536. Yep. Yep. Yep. She's just here.\n\nYeah. Yeah. King Marie Hearn, first of the eight seventy two, twenty one Marlborough Place in Little Bay. Yeah. Good day.\n\nOh, it's going. It's only been three weeks, but yeah. Yep. Starting to yep. Yep.\n\nThat's right. There is on my side, not so much on Kim. So I've changed jobs. So I have a couple of things on at the moment. So I'm managing a house build for a client, and I've also started as a building and facilities manager at a private school, which is the school that Kim works at.\n\nAnd once I finish this house build, which will probably be towards the end of next year, I will then be full time at the school. Yep. Yes. Yeah. We have adult children.\n\nTwo? One does live on our property in a tiny home. And he's actually just going through the process of joining up with you guys. Yep. Oh, I'm just contracting to them as a, like a sole trader, as a building consultant?\n\nWell, it'll like, it depends on how much at any given time, but I guess from this financial year onwards with my other job, I'll still be looking at probably earning around about a 100 to 110,000. Yes. And then I obviously get super put in from the Anglican College as well. We'll have to agree, obviously. Yes.\n\nI can't remember what we did, but it would have to. It's not that much. Yeah. Not not much has changed there from, like From last year. From last year.\n\nNo. I I didn't have a lot of work at the beginning of the first part of the year until this this sort of house started. Yep. Still the same? Yep.\n\nI think it's what is it now? More like a $102,100 and 105 or something? 105. A super. No.\n\nNot our not myself. The debt is now $5.42 or something, I think. And, yes, it's still about the one around the one meal. Yep. So debt's $3.11, and it's probably valued about 500.\n\n500 just over. Probably only 18 now, let's say. That's what it can get to. I think there's about 4,000 sitting on it now that was used. Yep.\n\nProbably not worth it. So worth 40. Yes. We have done our will. Did we do a style of attorney in there?\n\nWe did a will. Yeah. We've done a will. We did quite a basic will because we sort of just well, we did a will for it. We did a will, but I don't know if we did care of it.\n\nOh, he was clear. Yeah. I think Yeah. Yeah. Yep.\n\nYeah. I'm pretty sure we did. So, yes, we have a little amount. Yeah. I'm pretty sure we put that case down.\n\nYep. Yeah. So all all of that's been all that's been completed. That's been completed. We still have some we still have some construction to do, but the tiny home is done.\n\nMhmm. We still have some more concreting to do. We have a veranda to build, and we have retaining walls to build. So we still have some external construction to do. Okay.\n\nNot the investment. I want our house paid off. Yeah. I don't want the investment doesn't matter to us because when we sell it, we'll pay it off. But I would love to own the family home.\n\nYeah. That's a bit backwards. Nah. Not international. I just wanna travel around Australia.\n\nOh, the same. Just have a bit more time to ourselves. Yep. Yep. It's been working quite well.\n\nSo, yeah, nothing really has changed in that area. Yep. Andrew is, I don't. As in the money that we are we yeah. Our insurance that we insure ourselves against?\n\nYep. Yeah. So I wanna know that if Andrew died, then I don't have any debt. And the same if I die, he doesn't have any debt. My insurance is not with you guys because they wouldn't insure me, so I just saved it's my old insurer.\n\nResolution. Yes. Yeah. Yep. Yep.\n\nYep. Oh, can you change that? Yeah. Yeah. I don't know how that happened, but yeah.\n\nYep. I think I asked that last Yeah. I think that come up last year. Yep. Yeah.\n\nWe can set set up. Yeah. We can do that tonight. The computer's set up. Yep.\n\nOkay. Bye bye. Yep. Yeah. That's not gonna happen.\n\nYes. Yes. Yep. Can I just confirm the email that you have for me there now? So yep.\n\nYep. Yep. Yeah. That's correct. Yep.\n\nI still get some stuff sent to my old work one. I I do have access to my old work one, but I sort of don't it's not a usable one because it belongs to where I used to work. But some outfield outfield stuff still goes there, like just yeah. Just random stuff. Yeah.\n\nYeah. Is that yet? Yeah. Some of it yet. Some is the newsletter and stuff.\n\nOh, okay. Yep. Okay. Yep. Yep.\n\nYep. Yep. Yep. I've got the email. Yep.\n\nDid you want me to go so we got the email. Yep. Okay. So do I click on the sign document? Yep.\n\nOkay. Yep. Yes. It is. Yep.\n\nYep. Yep. Yep. Uh-huh. Uh-huh.\n\nUh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh.\n\nUh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh.\n\nUh-huh. Uh-huh. Uh-huh. Uh-huh. Uh-huh.\n\nYep. Yep. Yep. That's fine. Mhmm.\n\nYep. I can take my money out. Yeah. No. That's fine.\n\nYeah. Yep. No. Yep. Yep.\n\nYes. You get so much more if I die. That's not fair. It's just the difference between male and female. Yeah.\n\nThat's fine. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nOkay. Oh, yep. Here we go. Yep. Got it now.\n\nVanguard index chart. Yep. Yep. Yep. Yep.\n\nYep. Yep. Well, what's better? Like, what is the risk if we went a bit more? Like, what what's the norm?\n\nLike, what what do most people do? Like, considering we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to, like, ten years. What would you suggest? We didn't really worry about it. Yeah.\n\nWe didn't. Knew it was all managed, and we knew we still had this, and it is what it is. Yep. Yep. Yep.\n\nSo what what does that look at in? How many years does that look at in for? Yep. Yep. Yep.\n\nYes. Yep. Yep. Oh, no. I think we'll complete that questionnaire.\n\nWe sort of have time, you know, if you're looking well, if we said 65 or I've only just turned 56 and and that. So we've got, like, that that sort of period of time. Just the investment property, I guess. Let's see. Anything we've done?\n\nWe haven't done anything else. Well, I guess it's for me, it's that sort of around the ten year mark. Yeah. About ten years until I I mean, I've got too tired early, but it's gonna happen. So Oh, moderate amount.\n\nYeah. Moderate to high. I mean, with our rates, we can still do a little bit of risk. Yeah. Hi.\n\nYeah. I'm a bit the same, moderate to high. I sort of still look and go, well, got ten years sort of thing. So yep. Yep.\n\nOh, I think it was to get someone's opinion on an expert. I have no idea what you're talking about. Yeah. And that's the thing. It's it's We don't know what we're talking about.\n\nThat's why we get someone to do it. Yeah. Probably hold on, mate. Yep. Take advice.\n\nI'd like to think six to eight. Yeah. They said, like, no more than no less than six to eight. Yep. Yep.\n\nOh, no. Just optimistic. Obviously, prior to engaging you guys, investments are doing nothing. So we've seen, obviously, a significant turnaround to that. So we're we're pretty optimistic now.\n\nNo. No. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nOh, I didn't oh, is that no. I didn't have that. The income protection was confused when you're wrong. Only thirty day waiting period. Yeah.\n\nI don't think you do. Okay. That'd be that would be better. Yeah. Yep.\n\nI've got consent to new ongoing fee arrangement. And that is for Andrew. Yep. Yep. Yep.\n\nYes. Yep. Yes. It is. Yes.\n\nYep. I think that's all. Okay. Click to Now it says click to start. The other one I do have is so with the investment property, if we plan, say, in the next, you know, if we do this high high risk and then say in the next, say, three to five years, we decided to sell the investment property and made decent money and then put that into super or the the maximum amount we can put into super, does that just then go into our balance and then start to work with it?\n\nWhat does that do? Like, you know how you can do so when we went to the account the other day, you can do five years back of super up to $30,000. So if we went through and, yeah, so if we sold the property, made money, and put it into season before we had to pay capital gains, does that then just so that then doesn't add to our money and you start investing that? Okay. Yep.\n\nOkay. Yep. Okay. Yes. Okay.\n\nSo at this time, would she talk to you guys first? Yes. Yep. Yep. Yep.\n\nOh, we wanna put the maximum. I think we're now to take capital gains on it. Yeah. 30,000 dollars a year for the last five or something. Yeah.\n\nYeah. That's right. But see, Andrew hasn't worked much over the last two years, so we could use more on him. Yeah. Yes.\n\nOh, okay. Oh, yeah. Let's see. Yep. That's right.\n\nAnd then yeah. Yeah. Cool. Okay. Yes.\n\nThat's good. Probably, yeah. I'm sort of doing a little bit of work from home and that, but, yeah, it's like I'm probably still here at home for a couple of weeks. Yeah. And even this time of an evening works because obviously, you know, it's him still gonna get home.\n\nSo yep. Yep. Yep. And that's formed so I cannot be on so that Yep. Yeah.\n\nYou just click to start again? You just gotta click to start, and then that's how you sign it, or where do you sign it? Oh, yeah. I see signature. Cool.\n\nI think I just did it anyway. I just did it anyway. Yeah. Yeah. Yep.\n\nAbsolutely. Yep. No worries. Not a problem. Thank you.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Thank you.","start":0.79999995,"end":1.1999999,"sentiment":"positive","sentiment_score":0.6122139394283295},{"text":"Thank you.","start":1.1999999,"end":1.68,"sentiment":"positive","sentiment_score":0.5186275392770767},{"text":"Hello.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.16141483187675476},{"text":"Andrew speaking.","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.11843995749950409},{"text":"I'm good.","start":8.639999,"end":9.04,"sentiment":"positive","sentiment_score":0.5419612228870392}],"sentiment":"positive","sentiment_score":0.41598890556229484,"num_words":9,"start":0.79999995,"end":9.04},{"sentences":[{"text":"Thank 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chart.","start":1594.395,"end":1595.675,"sentiment":"neutral","sentiment_score":0.13313457866509756},{"text":"Yep.","start":1595.675,"end":1596.175,"sentiment":"neutral","sentiment_score":0.11202942579984664},{"text":"Yep.","start":1648.98,"end":1649.48,"sentiment":"neutral","sentiment_score":0.10221228003501892},{"text":"Yep.","start":1659.395,"end":1659.895,"sentiment":"neutral","sentiment_score":0.1704028844833374},{"text":"Yep.","start":1679.475,"end":1679.975,"sentiment":"neutral","sentiment_score":0.14367423951625824}],"sentiment":"neutral","sentiment_score":0.13253179511853627,"num_words":7,"start":1594.395,"end":1679.975},{"sentences":[{"text":"Yep.","start":1731.2001,"end":1731.7001,"sentiment":"neutral","sentiment_score":-0.10816320776939392},{"text":"Yep.","start":1766.5549,"end":1767.0549,"sentiment":"neutral","sentiment_score":0.05832436680793762},{"text":"Well, what's better?","start":1771.9149,"end":1772.875,"sentiment":"neutral","sentiment_score":-0.12069061150153478},{"text":"Like, what is the risk if we went a bit more?","start":1772.875,"end":1775.135,"sentiment":"neutral","sentiment_score":-0.2928124151446603},{"text":"Like, what what's the norm?","start":1776.68,"end":1778.12,"sentiment":"neutral","sentiment_score":-0.21127017438411713}],"sentiment":"neutral","sentiment_score":-0.22329514828466235,"num_words":21,"start":1731.2001,"end":1778.12},{"sentences":[{"text":"Like, what what do most people do?","start":1778.12,"end":1779.9,"sentiment":"neutral","sentiment_score":-0.14117381295987538},{"text":"Like, considering we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to, like, ten years.","start":1781.88,"end":1789.08,"sentiment":"neutral","sentiment_score":-0.09632922379443279},{"text":"What would you suggest?","start":1789.08,"end":1790.14,"sentiment":"neutral","sentiment_score":-0.0871226079761982},{"text":"We didn't really worry about it.","start":1871.6599,"end":1872.86,"sentiment":"neutral","sentiment_score":-0.08333145392437775},{"text":"Yeah.","start":1872.86,"end":1873.02,"sentiment":"neutral","sentiment_score":0.08476503938436508}],"sentiment":"neutral","sentiment_score":-0.09673842330547897,"num_words":44,"start":1778.12,"end":1873.02},{"sentences":[{"text":"We didn't.","start":1873.02,"end":1873.6799,"sentiment":"neutral","sentiment_score":-0.00239703431725502},{"text":"Knew it was all managed, and we knew we still had this, and it is what it is.","start":1874.085,"end":1879.145,"sentiment":"neutral","sentiment_score":0.054668574697441526},{"text":"Yep.","start":1879.205,"end":1879.705,"sentiment":"neutral","sentiment_score":0.09551873058080672},{"text":"Yep.","start":1886.965,"end":1887.465,"sentiment":"neutral","sentiment_score":0.12556692957878113},{"text":"Yep.","start":1900.0801,"end":1900.5801,"sentiment":"neutral","sentiment_score":0.04090425372123718}],"sentiment":"neutral","sentiment_score":0.05396652999131576,"num_words":23,"start":1873.02,"end":1900.5801},{"sentences":[{"text":"So what what does that look at in?","start":1901.375,"end":1903.055,"sentiment":"neutral","sentiment_score":0.00002280343323945999},{"text":"How many years does that look at in for?","start":1903.055,"end":1904.995,"sentiment":"neutral","sentiment_score":-0.006154068642192417},{"text":"Yep.","start":1932.535,"end":1933.035,"sentiment":"neutral","sentiment_score":-0.05754318833351135},{"text":"Yep.","start":1937.895,"end":1938.395,"sentiment":"neutral","sentiment_score":-0.06396552175283432},{"text":"Yep.","start":2047.525,"end":2048.025,"sentiment":"neutral","sentiment_score":0.01336888875812292}],"sentiment":"neutral","sentiment_score":-0.00816720058210194,"num_words":20,"start":1901.375,"end":2048.025},{"sentences":[{"text":"Yes.","start":2085.0398,"end":2085.5398,"sentiment":"neutral","sentiment_score":0.09010738134384157},{"text":"Yep.","start":2090.7998,"end":2091.2998,"sentiment":"neutral","sentiment_score":0.0941954180598259},{"text":"Yep.","start":2097.735,"end":2098.235,"sentiment":"neutral","sentiment_score":0.09934815019369124},{"text":"Oh, no.","start":2104.44,"end":2106.52,"sentiment":"neutral","sentiment_score":0.009823274798691274},{"text":"I think we'll complete that questionnaire.","start":2106.52,"end":2108.22,"sentiment":"neutral","sentiment_score":0.029440579935908318}],"sentiment":"neutral","sentiment_score":0.04363099807365374,"num_words":11,"start":2085.0398,"end":2108.22},{"sentences":[{"text":"We sort of have time, you know, if you're looking well, if we said 65 or I've only just turned 56 and and that.","start":2108.76,"end":2117.0798,"sentiment":"neutral","sentiment_score":0.036717967983956136},{"text":"So we've got, like, that that sort of period of time.","start":2117.0798,"end":2119.8198,"sentiment":"neutral","sentiment_score":-0.0604219412939115},{"text":"Just the investment property, I guess.","start":2146.1602,"end":2147.68,"sentiment":"neutral","sentiment_score":0.0459229356298844},{"text":"Let's see.","start":2147.68,"end":2148.08,"sentiment":"neutral","sentiment_score":0.04592031612992287},{"text":"Anything we've done?","start":2148.08,"end":2148.72,"sentiment":"neutral","sentiment_score":0.04083997383713722}],"sentiment":"neutral","sentiment_score":0.01535843575940184,"num_words":46,"start":2108.76,"end":2148.72},{"sentences":[{"text":"We haven't done anything else.","start":2148.72,"end":2150.18,"sentiment":"neutral","sentiment_score":-0.03923102766275406},{"text":"Well, I guess it's for me, it's that sort of around the ten year mark.","start":2171.21,"end":2175.31,"sentiment":"neutral","sentiment_score":-0.06929248223702113},{"text":"Yeah.","start":2178.565,"end":2178.805,"sentiment":"neutral","sentiment_score":-0.025325827300548553},{"text":"About ten years until I I mean, I've got too tired early, but it's gonna happen.","start":2178.805,"end":2183.1448,"sentiment":"neutral","sentiment_score":-0.1653875121846795},{"text":"So Oh, moderate 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about.","start":2283.58,"end":2285.605,"sentiment":"neutral","sentiment_score":-0.07438822463154793}],"sentiment":"neutral","sentiment_score":-0.09806841499555637,"num_words":34,"start":2276.3,"end":2285.605},{"sentences":[{"text":"That's why we get someone to do it.","start":2285.605,"end":2287.3848,"sentiment":"neutral","sentiment_score":-0.02985922317020595},{"text":"Yeah.","start":2291.125,"end":2291.4448,"sentiment":"neutral","sentiment_score":-0.0008395649492740631},{"text":"Probably hold on, mate.","start":2291.4448,"end":2292.7449,"sentiment":"neutral","sentiment_score":-0.0038850392738822848},{"text":"Yep.","start":2293.125,"end":2293.625,"sentiment":"neutral","sentiment_score":0.018643822520971295},{"text":"Take advice.","start":2296.805,"end":2297.4648,"sentiment":"neutral","sentiment_score":0.019940885715186596}],"sentiment":"neutral","sentiment_score":-0.012295494590944145,"num_words":16,"start":2285.605,"end":2297.4648},{"sentences":[{"text":"I'd like to think six to 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I didn't oh, is that no.","start":2498.97,"end":2500.97,"sentiment":"neutral","sentiment_score":-0.0924462668065514},{"text":"I didn't have that.","start":2500.97,"end":2502.11,"sentiment":"neutral","sentiment_score":-0.17014720290899277},{"text":"The income protection was confused when you're wrong.","start":2585.98,"end":2589.98,"sentiment":"neutral","sentiment_score":-0.12161725014448166},{"text":"Only thirty day waiting period.","start":2589.98,"end":2591.52,"sentiment":"neutral","sentiment_score":-0.083985735476017},{"text":"Yeah.","start":2603.995,"end":2604.235,"sentiment":"neutral","sentiment_score":-0.006359009072184563}],"sentiment":"neutral","sentiment_score":-0.10907753467559815,"num_words":25,"start":2498.97,"end":2604.235},{"sentences":[{"text":"I don't think you 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Andrew.","start":2709.145,"end":2712.525,"sentiment":"neutral","sentiment_score":0.092196124792099},{"text":"Yep.","start":2726.04,"end":2726.54,"sentiment":"neutral","sentiment_score":0.158491313457489},{"text":"Yep.","start":2746.395,"end":2746.875,"sentiment":"neutral","sentiment_score":0.09086283296346664},{"text":"Yep.","start":2746.875,"end":2747.375,"sentiment":"neutral","sentiment_score":0.08904191106557846}],"sentiment":"neutral","sentiment_score":0.03223482705652714,"num_words":16,"start":2701.16,"end":2747.375},{"sentences":[{"text":"Yes.","start":2772.8152,"end":2773.3152,"sentiment":"neutral","sentiment_score":0.17508018016815186},{"text":"Yep.","start":2782.31,"end":2782.81,"sentiment":"neutral","sentiment_score":0.03331378102302551},{"text":"Yes.","start":2788.23,"end":2788.3901,"sentiment":"neutral","sentiment_score":0.2150869369506836},{"text":"It 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decided to sell the investment property and made decent money and then put that into super or the the maximum amount we can put into super, does that just then go into our balance and then start to work with it?","start":2835.0698,"end":2867.5898,"sentiment":"neutral","sentiment_score":0.014398773005347193}],"sentiment":"neutral","sentiment_score":0.021124504349733654,"num_words":95,"start":2812.95,"end":2867.5898},{"sentences":[{"text":"What does that do?","start":2867.5898,"end":2868.73,"sentiment":"neutral","sentiment_score":-0.014205849263817072},{"text":"Like, you know how you can do so when we went to the account the other day, you can do five years back of super up to $30,000.","start":2870.435,"end":2878.695,"sentiment":"neutral","sentiment_score":0.016645597726372734},{"text":"So if we went through and, yeah, so if we sold the property, made money, and put it into season before we had to pay capital gains, does that then just so that then doesn't add to our money and you start investing that?","start":2880.275,"end":2897.985,"sentiment":"neutral","sentiment_score":0.004807822173461318},{"text":"Okay.","start":2899.8252,"end":2900.3252,"sentiment":"neutral","sentiment_score":0.05751253664493561},{"text":"Yep.","start":2911.2651,"end":2911.7651,"sentiment":"neutral","sentiment_score":0.013855736702680588}],"sentiment":"neutral","sentiment_score":0.008873920362347212,"num_words":78,"start":2867.5898,"end":2911.7651},{"sentences":[{"text":"Okay.","start":2926.275,"end":2926.775,"sentiment":"neutral","sentiment_score":-0.07131775468587875},{"text":"Yep.","start":2936.355,"end":2936.855,"sentiment":"neutral","sentiment_score":-0.003453519195318222},{"text":"Okay.","start":2940.035,"end":2940.535,"sentiment":"neutral","sentiment_score":-0.02815590798854828},{"text":"Yes.","start":2950.48,"end":2950.98,"sentiment":"neutral","sentiment_score":-0.03143689036369324},{"text":"Okay.","start":2963.625,"end":2964.1052,"sentiment":"neutral","sentiment_score":-0.01832796446979046}],"sentiment":"neutral","sentiment_score":-0.03053840734064579,"num_words":5,"start":2926.275,"end":2964.1052},{"sentences":[{"text":"So at this time, would she talk to you guys first?","start":2964.1052,"end":2966.445,"sentiment":"neutral","sentiment_score":0.006528111174702644},{"text":"Yes.","start":2976.49,"end":2976.99,"sentiment":"neutral","sentiment_score":0.3270336985588074},{"text":"Yep.","start":2986.975,"end":2987.475,"sentiment":"neutral","sentiment_score":0.1654495894908905},{"text":"Yep.","start":2993.135,"end":2993.635,"sentiment":"neutral","sentiment_score":0.07371339201927185},{"text":"Yep.","start":3013.395,"end":3013.895,"sentiment":"neutral","sentiment_score":0.03268719092011452}],"sentiment":"neutral","sentiment_score":0.044712872927387556,"num_words":15,"start":2964.1052,"end":3013.895},{"sentences":[{"text":"Oh, we wanna put the maximum.","start":3025.75,"end":3027.19,"sentiment":"neutral","sentiment_score":-0.020069586113095284},{"text":"I think we're now to take capital gains on it.","start":3027.19,"end":3029.45,"sentiment":"neutral","sentiment_score":-0.007906675897538662},{"text":"Yeah.","start":3034.71,"end":3035.1099,"sentiment":"neutral","sentiment_score":0.01135728508234024},{"text":"30,000 dollars a year for the last five or something.","start":3035.1099,"end":3038.3298,"sentiment":"neutral","sentiment_score":0.00029610730707645415},{"text":"Yeah.","start":3046.415,"end":3046.575,"sentiment":"neutral","sentiment_score":0.029418297111988068}],"sentiment":"neutral","sentiment_score":-0.005562415013888052,"num_words":28,"start":3025.75,"end":3046.575},{"sentences":[{"text":"Yeah.","start":3046.575,"end":3046.815,"sentiment":"neutral","sentiment_score":0.04037921503186226},{"text":"That's right.","start":3046.815,"end":3047.215,"sentiment":"neutral","sentiment_score":0.07283005863428116},{"text":"But see, Andrew hasn't worked much over the last two years, so we could use more on him.","start":3047.215,"end":3053.075,"sentiment":"neutral","sentiment_score":0.008063536396043168},{"text":"Yeah.","start":3053.375,"end":3053.875,"sentiment":"neutral","sentiment_score":0.06922630220651627},{"text":"Yes.","start":3060.15,"end":3060.65,"sentiment":"neutral","sentiment_score":0.012820649892091753}],"sentiment":"neutral","sentiment_score":0.017966519109904766,"num_words":23,"start":3046.575,"end":3060.65},{"sentences":[{"text":"Oh, okay.","start":3064.8699,"end":3065.5298,"sentiment":"neutral","sentiment_score":0.052680185064673424},{"text":"Oh, yeah.","start":3065.75,"end":3066.0698,"sentiment":"neutral","sentiment_score":0.048180243000388145},{"text":"Let's see.","start":3066.0698,"end":3066.89,"sentiment":"neutral","sentiment_score":0.045865440741181374},{"text":"Yep.","start":3073.9448,"end":3074.4448,"sentiment":"neutral","sentiment_score":0.09450945258140564},{"text":"That's right.","start":3074.7449,"end":3075.385,"sentiment":"neutral","sentiment_score":0.12487838417291641}],"sentiment":"neutral","sentiment_score":0.07085755094885826,"num_words":9,"start":3064.8699,"end":3075.385},{"sentences":[{"text":"And then yeah.","start":3075.385,"end":3076.4448,"sentiment":"neutral","sentiment_score":0.26712366938591003},{"text":"Yeah.","start":3080.9849,"end":3081.2249,"sentiment":"neutral","sentiment_score":0.32594993710517883},{"text":"Cool.","start":3081.2249,"end":3081.625,"sentiment":"positive","sentiment_score":0.4858920872211456},{"text":"Okay.","start":3081.625,"end":3082.125,"sentiment":"neutral","sentiment_score":0.25086620450019836},{"text":"Yes.","start":3084.26,"end":3084.76,"sentiment":"neutral","sentiment_score":0.3035261034965515}],"sentiment":"neutral","sentiment_score":0.3096579057829721,"num_words":7,"start":3075.385,"end":3084.76},{"sentences":[{"text":"That's good.","start":3086.1,"end":3086.92,"sentiment":"positive","sentiment_score":0.7867670357227325},{"text":"Probably, yeah.","start":3115.07,"end":3115.8901,"sentiment":"neutral","sentiment_score":-0.023858843371272087},{"text":"I'm sort of doing a little bit of work from home and that, but, yeah, it's like I'm probably still here at home for a couple of weeks.","start":3116.99,"end":3122.9302,"sentiment":"neutral","sentiment_score":-0.010276015515306167},{"text":"Yeah.","start":3136.525,"end":3136.765,"sentiment":"neutral","sentiment_score":0.05148172378540039},{"text":"And even this time of an evening works because obviously, you know, it's him still gonna get home.","start":3136.765,"end":3141.51,"sentiment":"neutral","sentiment_score":0.042711078810195126}],"sentiment":"neutral","sentiment_score":0.04036017828712277,"num_words":51,"start":3086.1,"end":3141.51},{"sentences":[{"text":"So yep.","start":3141.51,"end":3142.4102,"sentiment":"neutral","sentiment_score":0.03616064414381981},{"text":"Yep.","start":3144.55,"end":3145.05,"sentiment":"neutral","sentiment_score":0.026850294321775436},{"text":"Yep.","start":3153.19,"end":3153.69,"sentiment":"neutral","sentiment_score":0.09054981917142868},{"text":"And that's formed so I cannot be on so that Yep.","start":3167.735,"end":3176.8,"sentiment":"neutral","sentiment_score":-0.11425273933193901},{"text":"Yeah.","start":3177.02,"end":3177.52,"sentiment":"neutral","sentiment_score":0.0949312150478363}],"sentiment":"neutral","sentiment_score":-0.06075796973891556,"num_words":16,"start":3141.51,"end":3177.52},{"sentences":[{"text":"You just click to start again?","start":3194.085,"end":3196.0251,"sentiment":"neutral","sentiment_score":0.018969653484721977},{"text":"You just gotta click to start, and then that's how you sign it, or where do you sign it?","start":3199.06,"end":3202.76,"sentiment":"neutral","sentiment_score":-0.013133335944363162},{"text":"Oh, yeah.","start":3203.54,"end":3203.8198,"sentiment":"neutral","sentiment_score":-0.013890136498957872},{"text":"I see signature.","start":3203.8198,"end":3204.68,"sentiment":"neutral","sentiment_score":-0.04385154197613398},{"text":"Cool.","start":3206.02,"end":3206.52,"sentiment":"neutral","sentiment_score":-0.11972565948963164}],"sentiment":"neutral","sentiment_score":-0.013379871627436049,"num_words":31,"start":3194.085,"end":3206.52},{"sentences":[{"text":"I think I just did it anyway.","start":3211.38,"end":3213.0,"sentiment":"neutral","sentiment_score":0.019719248903649195},{"text":"I just did it anyway.","start":3213.365,"end":3218.835,"sentiment":"neutral","sentiment_score":0.15939387679100037},{"text":"Yeah.","start":3259.48,"end":3259.72,"sentiment":"neutral","sentiment_score":0.12295694649219512},{"text":"Yeah.","start":3259.72,"end":3260.0398,"sentiment":"neutral","sentiment_score":0.12869340181350708},{"text":"Yep.","start":3260.0398,"end":3260.52,"sentiment":"neutral","sentiment_score":0.1572682559490204}],"sentiment":"neutral","sentiment_score":0.08959484870235125,"num_words":15,"start":3211.38,"end":3260.52},{"sentences":[{"text":"Absolutely.","start":3260.52,"end":3261.02,"sentiment":"positive","sentiment_score":0.6656750440597534},{"text":"Yep.","start":3268.0398,"end":3268.5398,"sentiment":"neutral","sentiment_score":0.25706619024276733},{"text":"No worries.","start":3271.72,"end":3272.3599,"sentiment":"neutral","sentiment_score":0.31462933123111725},{"text":"Not a problem.","start":3272.3599,"end":3273.045,"sentiment":"positive","sentiment_score":0.5585231184959412},{"text":"Thank you.","start":3274.005,"end":3274.7449,"sentiment":"positive","sentiment_score":0.856452465057373}],"sentiment":"positive","sentiment_score":0.5489415758185916,"num_words":9,"start":3260.52,"end":3274.7449},{"sentences":[{"text":"Alright.","start":3277.4448,"end":3277.9448,"sentiment":"positive","sentiment_score":0.44744229316711426},{"text":"Bye.","start":3280.085,"end":3280.585,"sentiment":"neutral","sentiment_score":0.19523954391479492}],"sentiment":"neutral","sentiment_score":0.3213409185409546,"num_words":2,"start":3277.4448,"end":3280.585}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Thank you. Thank you. Hello. Andrew speaking.\n\nChannel 0: Hi, Andrew. It's Jenna here finding from Oakview Financial. How are you today?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. And, Andrew, just before I do go any further, I just need to get you to confirm your full name, date of birth, and address, please.\n\nChannel 1: Andrew Robert Hearn. 09/17/1970. 21 Warragile Place, Malowa Bay, New South Wales 2536.\n\nChannel 0: Fantastic. Thank you for that. I'm just phoning for yours and Kim's annual review. Do you have time\n\nChannel 1: Yep.\n\nChannel 0: to do that now?\n\nChannel 1: Yep.\n\nChannel 0: Yeah? Oh, wonderful. Is Kim with you?\n\nChannel 1: Yep. She's just here.\n\nChannel 0: Yeah. I just need to I I have to ID Kim as well just to make sure that I'm speaking with the right people even though I called\n\nChannel 1: Yeah.\n\nChannel 0: you. But, Kim, can I please ask you to provide your full name, date of birth, and address, please?\n\nChannel 1: Yeah. King Marie Hearn, first of the eight seventy two, twenty one Marlborough Place in Little Bay.\n\nChannel 0: Lovely. Thank you, Kim. Okay. How are you both doing today?\n\nChannel 1: Yeah. Good day.\n\nChannel 0: Yeah? That's\n\nChannel 1: Oh,\n\nChannel 0: good. How are you going with the knee recovery?\n\nChannel 1: it's going.\n\nChannel 0: Yeah.\n\nChannel 1: It's only been three weeks, but yeah. Yep.\n\nChannel 0: Oh,\n\nChannel 1: Starting\n\nChannel 0: that's\n\nChannel 1: to\n\nChannel 0: good.\n\nChannel 1: yep.\n\nChannel 0: Progress is progress, so that's\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: That's right.\n\nChannel 0: Okay. Alright. With part of the annual review, what I'd like to do to just start with is just check-in with you both and see if there are any significant changes to your personal or financial situation that we need to focus on?\n\nChannel 1: There is on my side, not so much\n\nChannel 0: Yeah.\n\nChannel 1: on Kim. So I've\n\nChannel 0: Yep.\n\nChannel 1: changed jobs.\n\nChannel 0: Yep.\n\nChannel 1: So I have a couple of things on at the moment.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'm managing a house build for a client, and I've also started as a building and facilities manager at a private school, which is the\n\nChannel 0: Yep.\n\nChannel 1: school that Kim works at.\n\nChannel 0: Yeah.\n\nChannel 1: And once I finish this house build, which will probably be towards the end of next year, I will then\n\nChannel 0: Yep.\n\nChannel 1: be full time at the school.\n\nChannel 0: Okay. Okay. I'm just making some notes on that. Beautiful. Alright.\n\nMade a note. So when I get down to the occupation side of things, I can just ask a couple more questions,\n\nChannel 1: Yep.\n\nChannel 0: but that is fine. Now sorry. I'm on the wrong page. There we go. Okay.\n\nSo what I wanna do, Andrew, I might start with you, is just quickly run through the details that I have on file to make sure that it's all still relevant and correct. And then, Kim, I'll do the same with yourself.\n\nChannel 1: Yes.\n\nChannel 0: With I've got no financial dependence listed here for you both, but you do you have children adult children?\n\nChannel 1: Yeah. We have adult children.\n\nChannel 0: Yeah? How many?\n\nChannel 1: Two?\n\nChannel 0: Yep. Okay. Lovely.\n\nChannel 1: One does live on our property in a tiny home.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: he's actually just going through the process of joining up with you guys.\n\nChannel 0: Oh, okay. Lovely. Oh, that's good. It's always good to start early. Get ahead.\n\nYeah. Okay. So I've got you as a carpenter. So this the house build, are you employed full time contracting to\n\nChannel 1: Yep.\n\nChannel 0: them?\n\nChannel 1: Oh, I'm just contracting to them as a, like a sole trader, as a building consultant?\n\nChannel 0: Yep. Yes. Okay. And how much are you earning from that?\n\nChannel 1: Well, it'll like, it depends on how much at any given time, but I guess from this financial year onwards with my other job, I'll still be looking at probably earning around about a 100 to 110,000.\n\nChannel 0: Okay. Okay. That's okay. Alright. And the super side of things, as a sole trader, are you paying yourself super?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. So you're\n\nChannel 1: And\n\nChannel 0: doing\n\nChannel 1: then\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: twelfth?\n\nChannel 1: obviously get super put in\n\nChannel 0: Yep.\n\nChannel 1: from the Anglican College as well.\n\nChannel 0: Yeah. Lovely. Lovely. Alright. I have your expenditure for both of you as a family recorded as $3,000 a week.\n\nDoes that include any mortgage repayments?\n\nChannel 1: We'll have to agree, obviously. Yes. I can't\n\nChannel 0: Yep.\n\nChannel 1: remember what we did, but it would have to. It's not that much.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Not\n\nChannel 0: Beautiful.\n\nChannel 1: not much has changed there from, like From last year.\n\nChannel 0: Yep.\n\nChannel 1: From last year.\n\nChannel 0: Okay. Any savings that you've been you've begun or anything like that?\n\nChannel 1: No. I I didn't have a lot of work at the beginning of the first part of\n\nChannel 0: Yep.\n\nChannel 1: the year until\n\nChannel 0: Yep.\n\nChannel 1: this this sort of house started.\n\nChannel 0: Okay. Alright. Alright. Now, Kim, I've got you down as a finance manager at\n\nChannel 1: Yep.\n\nChannel 0: St. Peter's\n\nChannel 1: Still\n\nChannel 0: Anglican\n\nChannel 1: the same?\n\nChannel 0: Club. Lovely.\n\nChannel 1: Yep.\n\nChannel 0: And your wage is 96,000. Is that right?\n\nChannel 1: I think it's what is it now? More like a $102,100 and 105 or something? 105.\n\nChannel 0: Okay. Lovely. Does that include super or plus super?\n\nChannel 1: A super.\n\nChannel 0: Plus super? Lovely. And any additional contributions to super?\n\nChannel 1: No. Not our not myself.\n\nChannel 0: Nope? Okay. Alright. And I have your home valued at 1,030,000 with a debt attached of $5.60. Does that sound right?\n\nChannel 1: The debt is now $5.42 or something, I think.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: And, yes, it's still about the one around the one meal.\n\nChannel 0: Okay. Lovely. We have an investment property victory valued\n\nChannel 1: Yep.\n\nChannel 0: at $4.20 with a debt of $3.37.\n\nChannel 1: So debt's $3.11,\n\nChannel 0: Okay.\n\nChannel 1: and it's probably valued about 500. 500 just over.\n\nChannel 0: Okay. Fantastic. And we have a car here valued at $26,000.\n\nChannel 1: Probably only 18 now, let's say.\n\nChannel 0: Yep. Okay. A credit card with 6,000. Is that the balance or the debt?\n\nChannel 1: That's what it can get to.\n\nChannel 0: Yes. Okay. Do you know what the debt is against it if there's any?\n\nChannel 1: I think there's about 4,000 sitting on it now that was used.\n\nChannel 0: Right. Yep. Lovely. And we have a caravan as 45,000.\n\nChannel 1: Yep. Probably not worth it. So worth 40.\n\nChannel 0: Yep. Okay. Alright. Sorry. So with your estate planning, have you both managed to get your wills and powers of attorney drawn up yet?\n\nChannel 1: Yes. We have done our will. Did we do a style of attorney\n\nChannel 0: Oh,\n\nChannel 1: in there? We did a will. Yeah. We've done a will.\n\nChannel 0: yep.\n\nChannel 1: We did quite a basic will because we sort of just\n\nChannel 0: Yep.\n\nChannel 1: well, we did a will for it. We did a will, but I don't know if we did care of it. Oh, he was clear. Yeah. I think Yeah.\n\nYeah. Yep. Yeah. I'm pretty sure we did.\n\nChannel 0: So\n\nChannel 1: So, yes, we have a little amount.\n\nChannel 0: well, you are the first guys in a long time that have said yes. I'm very, very impressed. The basically, all of a a what a power of attorney does is it allows someone to make decisions on your behalf while you're still alive and you're incapable of doing so.\n\nChannel 1: Yeah. I'm pretty sure\n\nChannel 0: So.\n\nChannel 1: we\n\nChannel 0: Does\n\nChannel 1: put\n\nChannel 0: that\n\nChannel 1: that case\n\nChannel 0: sound\n\nChannel 1: down. Yep.\n\nChannel 0: yep. Fantastic. I will update that. Okay. Now with your goals and objectives, I just wanna touch over those to make sure that they're still relevant because over time, we do see that some of them are completed, are not relevant anymore, and we need to update them.\n\nSo your first goal was noted as reducing your debt, and at the same time, you have construction happening. You're building your 17 year old son a tiny house on the property and as\n\nChannel 1: Yeah. So\n\nChannel 0: as and\n\nChannel 1: all\n\nChannel 0: also\n\nChannel 1: all of\n\nChannel 0: a\n\nChannel 1: that's been\n\nChannel 0: shed.\n\nChannel 1: all that's been completed. That's been completed. We\n\nChannel 0: Wonderful.\n\nChannel 1: still have some we still have some construction to do, but the tiny home is done. Mhmm. We still have some more concreting to do. We have a veranda to build, and we have retaining walls to build.\n\nChannel 0: Alright.\n\nChannel 1: So we still have some external construction to do.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: That's okay. Alright. And with the investment property, you have both said that you would like the investment properties pay the property paid off and being debt free and to do\n\nChannel 1: Not\n\nChannel 0: some\n\nChannel 1: the investment.\n\nChannel 0: more travel\n\nChannel 1: I want our house paid off.\n\nChannel 0: your house. Okay?\n\nChannel 1: Yeah. I\n\nChannel 0: That's\n\nChannel 1: don't want\n\nChannel 0: fine.\n\nChannel 1: the investment doesn't matter to us because when we sell it,\n\nChannel 0: Yes.\n\nChannel 1: we'll pay it off.\n\nChannel 0: That's\n\nChannel 1: But I would\n\nChannel 0: what\n\nChannel 1: love\n\nChannel 0: I\n\nChannel 1: to own the family home.\n\nChannel 0: yeah. That's what I thought. I thought there might have been a typing error in there somewhere.\n\nChannel 1: Yeah. That's a bit backwards.\n\nChannel 0: Yep. Makes sense to me because when I read it, I was like, oh, it's usually the other way around.\n\nChannel 1: Nah.\n\nChannel 0: And to do some more travel around Australia and internationally.\n\nChannel 1: Not international. I just wanna travel around Australia.\n\nChannel 0: Yep. Yeah? What about yourself, Andrew?\n\nChannel 1: Oh, the same. Just have\n\nChannel 0: Same?\n\nChannel 1: a bit more\n\nChannel 0: Yep.\n\nChannel 1: time to ourselves.\n\nChannel 0: Yes. I understand that. So with your superannuation, you both said you wanna get it working harder for you, but without taking too much risk. Is that still how you feel?\n\nChannel 1: Yep. Yep. It's been working\n\nChannel 0: Yeah.\n\nChannel 1: quite well. So, yeah, nothing really\n\nChannel 0: Lovely.\n\nChannel 1: has changed in that area.\n\nChannel 0: Okay. And then you have an insurance goal here that just says if you wanna be covered if anything was to happen. Yeah.\n\nChannel 1: Yep. Andrew is, I don't. As in the money that we are we yeah. Our insurance that we insure ourselves against?\n\nChannel 0: Yes.\n\nChannel 1: Yep. Yeah. So I\n\nChannel 0: Yep.\n\nChannel 1: wanna know that if Andrew died, then I don't have any debt. And the same if I die, he doesn't have any debt.\n\nChannel 0: Yep. Perfect. So we'll go over those figures in not in a in a moment, to be honest with you, because it'll be in the review pack that I'm gonna send through just to see where it's sitting, that it's it's actually doing what you guys need it to do.\n\nChannel 1: My insurance is not with you guys because they wouldn't insure me, so I just\n\nChannel 0: Mhmm.\n\nChannel 1: saved it's my old insurer.\n\nChannel 0: Okay. Who's your old insurer?\n\nChannel 1: Resolution.\n\nChannel 0: Resolution? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Yep. That's okay. I've got we I think we do take care of it. It's just that we\n\nChannel 1: Yeah.\n\nChannel 0: didn't write the policy. So that's fine.\n\nChannel 1: Yep.\n\nChannel 0: I've got that here. Okay. So alright. I'm just having a quick look. With your review frequency, are you both happy to keep it annually?\n\nChannel 1: Yep.\n\nChannel 0: Yeah? And you have got your estate planning done, which is fantastic. You Kim, on your policy, you your beneficiary is Andrew, but it's\n\nChannel 1: Yep.\n\nChannel 0: actually a a lapsing one, which means you've gotta renew it every three years.\n\nChannel 1: Oh, can you change that?\n\nChannel 0: I was gonna suggest did you wanna look at changing that to non lapsing?\n\nChannel 1: Yeah. Yeah. I don't know how that happened,\n\nChannel 0: Yep.\n\nChannel 1: but yeah.\n\nChannel 0: It's probably it was probably more just a but at an administration box ticking error because they're right next to each other whether you want it lapsing or non lapsing. So\n\nChannel 1: Yep.\n\nChannel 0: I just picked up on that when I was just running my eyes over your file and your portfolio.\n\nChannel 1: I think I\n\nChannel 0: So\n\nChannel 1: asked\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: thought\n\nChannel 1: last Yeah. I think that come up last year.\n\nChannel 0: did it? Okay. Let me look into that a little bit further. I will make sure that form comes out to you personally. With that, do you have access to a printer,\n\nChannel 1: Yep.\n\nChannel 0: or would you yeah? Because if I can email it to you and if you can print and sign it and send it back,\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: We\n\nChannel 0: the\n\nChannel 1: can\n\nChannel 0: quickest way.\n\nChannel 1: set set up.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. We can do that\n\nChannel 0: Okay.\n\nChannel 1: tonight. The computer's set up.\n\nChannel 0: Yep. You will need to get someone to witness it for you, though, Kim. So it can't be Andrew because he'll be the beneficiary, but you\n\nChannel 1: Yep.\n\nChannel 0: will need so you might have to do it at work.\n\nChannel 1: Okay. Bye bye.\n\nChannel 0: And yep. Just two witnesses need to. Alright. Now I'm looking at you guys are still a a little bit off retirement yet, but\n\nChannel 1: Yep.\n\nChannel 0: it's probably good to start thinking about what you do want in retirement. And we don't have to have this conversation today, but if you start thinking about age of retirement, like, the ideal age I have a note here that it was the goal is age 60 with an in ideal income of $1,500 a week.\n\nChannel 1: Yeah. That's not gonna happen.\n\nChannel 0: Well, it might it's probably more so just considering how we facilitate that as we get closer to retirement. So if if over the next probably the next twelve months and the review cycle, have a have a think I know that paying down your home is a priority and how you plan on achieving that, but we can start to look at building out plans for retirement in the next couple of years to help you track and see how you are tracking towards that\n\nChannel 1: Yes.\n\nChannel 0: and see what we need to do or adjust to to get you both there.\n\nChannel 1: Yes.\n\nChannel 0: Okay? So I'm going to send you an email. Do you have access to your emails at the moment?\n\nChannel 1: Yep. Can I just confirm the email that you have for me there now?\n\nChannel 0: Of course. Yes, please. Yep.\n\nChannel 1: So\n\nChannel 0: Yeah. We have do you want me to tell you what we have?\n\nChannel 1: yep. Yep.\n\nChannel 0: Andrew..Hearn1970@Gmail\n\nChannel 1: Yep.\n\nChannel 0: dot com.\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Is\n\nChannel 1: Yep.\n\nChannel 0: that yeah?\n\nChannel 1: I still get\n\nChannel 0: Okay.\n\nChannel 1: some stuff sent to my old work one. I I do have access to my old work one, but I sort of don't it's not a usable one because it belongs to where I used to work.\n\nChannel 0: Okay.\n\nChannel 1: But some\n\nChannel 0: Yeah. Okay.\n\nChannel 1: outfield outfield stuff still goes there, like just\n\nChannel 0: Oh, really?\n\nChannel 1: yeah. Just random stuff. Yeah.\n\nChannel 0: Oh, that's weird. That's strange. Because we've definitely got this one on unless it might be the newsletter. If that\n\nChannel 1: Yeah.\n\nChannel 0: you've signed\n\nChannel 1: Is that\n\nChannel 0: up for the\n\nChannel 1: yet? Yeah. Some of it yet. Some is the newsletter\n\nChannel 0: it might\n\nChannel 1: and stuff.\n\nChannel 0: yeah. So the newsletter is run on a different type of platform. So\n\nChannel 1: Oh, okay.\n\nChannel 0: I can make a note of that actually, and I'll\n\nChannel 1: Yep.\n\nChannel 0: see if the team can get that updated.\n\nChannel 1: Okay.\n\nChannel 0: Because, surely, I don't know how it works, but I'm sure there's somewhere in the background that they can go get that done.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So you're gonna receive an email momentarily from myself, and it will say, oh, do sign as well.\n\nChannel 1: Yep.\n\nChannel 0: This is so when you open it up, it'll say sign here. Just\n\nChannel 1: Yep.\n\nChannel 0: open that. By clicking on that, you're just opening up some documents that we're gonna run through. You're not signing anything at the moment, so\n\nChannel 1: Yep.\n\nChannel 0: don't don't worry too much about that. And I'm gonna try my best to guess in what order the documents are in because when we do a couple, sometimes they're out of order. So\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna I'm gonna give it a hot crack. So let me know when you got those documents open.\n\nChannel 1: I've got the email.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Did you want me to go so we got the email.\n\nChannel 0: It yeah.\n\nChannel 1: Yep.\n\nChannel 0: It should you should be able to access both documents, yours and Kim's, just through the one email. It's just that when you go to sign, you'll each have to sign from your own email.\n\nChannel 1: Okay. So do I click\n\nChannel 0: Right.\n\nChannel 1: on the sign document?\n\nChannel 0: Yes, please. That's just gonna open up a PDF group\n\nChannel 1: Yep.\n\nChannel 0: of documents that we're gonna talk through.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. So I'm hoping that the first document is a summary of superannuation and insurance for yourself, Andrew.\n\nChannel 1: Yes. It is.\n\nChannel 0: Lovely. Okay. All this is is essentially a cover page telling us that your superannuation's with Hub. Your balance is approximately 246,424,\n\nChannel 1: Yep.\n\nChannel 0: and that your insurances are with Clearview for life insurance and TPD and income protection.\n\nChannel 1: Yep.\n\nChannel 0: So the life insurance, Kim, referring back to the repayment of debt before, the life\n\nChannel 1: Yep.\n\nChannel 0: insurance for Andrew sits at $552,875.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Uh-huh.\n\nChannel 0: that\n\nChannel 1: Uh-huh.\n\nChannel 0: cut\n\nChannel 1: Uh-huh.\n\nChannel 0: that\n\nChannel 1: Uh-huh.\n\nChannel 0: will cover\n\nChannel 1: Uh-huh. Uh-huh.\n\nChannel 0: the\n\nChannel 1: Uh-huh.\n\nChannel 0: debt\n\nChannel 1: Uh-huh.\n\nChannel 0: on\n\nChannel 1: Uh-huh. Uh-huh. Uh-huh. Uh-huh.\n\nChannel 0: the\n\nChannel 1: Uh-huh. Uh-huh.\n\nChannel 0: principal.\n\nChannel 1: Uh-huh. Uh-huh. Uh-huh.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then you'll also have the funds from superannuation should anything happen to\n\nChannel 1: Yep.\n\nChannel 0: Andrew. Is that sufficient for you both?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Okay. And, Andrew, your income protection policy, the sum insured sits at just over $4,500 a month with a thirty day waiting period and a two year benefit period,\n\nChannel 1: Mhmm.\n\nChannel 0: and that both all those policies are funded from super your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Now based on what you said your income is at about 110, you can look at increasing that income protection policy if you want,\n\nChannel 1: I\n\nChannel 0: but\n\nChannel 1: can take\n\nChannel 0: you\n\nChannel 1: my money\n\nChannel 0: need\n\nChannel 1: out.\n\nChannel 0: to be\n\nChannel 1: Yeah.\n\nChannel 0: able\n\nChannel 1: No. That's fine.\n\nChannel 0: yeah. Okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: That's\n\nChannel 1: No.\n\nChannel 0: up to you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay. Beautiful. So I'm gonna navigate through a few screens here. And the next document I'm hoping is a cover page for Kim.\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. So, Kim, again, as a as a cover page, your superannuation again is with Hub. Balance sitting at $221,785, and you've got some life insurance value with the sum in short of 729,480. So that, again, will cover the debt.\n\nChannel 1: You get so much more if I die. That's\n\nChannel 0: Yeah.\n\nChannel 1: not fair. It's just the difference between male and female.\n\nChannel 0: I'd be the same. I think my husband's insured for a little bit more.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Okay. The next document should be a twelve month performance report from hub twenty four for Andrew.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So you're both invested in the the same type of portfolio, and both of your returns are gonna when I explain it, I'm gonna explain it because it's gonna be applicable to both your portfolios anyway. You'll see along the top, there's a Benelong Australian Equities Fund. That fund, you'll see, has had a significant underperformance.\n\nChannel 1: Yep.\n\nChannel 0: We're not reactive in relation to underperformance because markets fluctuate as we as we see daily. However, the Bennelong's investment mandate is that they identify underperforming oh, sorry, undervalued companies within the Australian share market for growth opportunities. Now the market trend in the last twelve months favored the bigger financial institutions and the resource sector. So the performance of Benny Bennelong was due to their investment mandate. Now Bennelong is also turning around, and they are in a positive return at the moment.\n\nHowever, as a company, our investment committee has decided that, Bennelong is not something we feel comfortable keeping in our clients' portfolios moving forward. So\n\nChannel 1: Yep.\n\nChannel 0: when I speak with clients, I just touch on the fact that I would like to, look at an alternative to that if you're okay with\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: Yep.\n\nChannel 0: And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid. Nothing\n\nChannel 1: Yep.\n\nChannel 0: wrong with that investment at all. It's just that as of January 2027, the Australian banks, due to legislation changes, are phasing out the hybrid investment options.\n\nChannel 1: Yep.\n\nChannel 0: What it means is that I don't know what it's gonna be replaced with. Nobody does. And I would rather be a little bit more proactive in that respect and look at alternatives now rather than waiting to see while while it still is performing\n\nChannel 1: Yep.\n\nChannel 0: and providing great income. So if you're both comfortable with that, you both hold that in your portfolio. So I wanted so I ex I'll explain that to you both. But with your permission, I'd like to look at replace it alternatives to replace those.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: The remainder of your portfolio, we have no significant concerns about. You've got some exposure to the the all world, so America and the remainder of the world. You've got some economy different economy exposure there. You've got some global health and global cyber exposure, which gives you some access to some certain specific niche sectors that have actually performed really well recently.\n\nChannel 1: Yep.\n\nChannel 0: So with your portfolio as a whole, we're happy with it. It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So overall, for the last twelve months, Andrew, your portfolio returned 0.86%.\n\nChannel 1: Yep.\n\nChannel 0: The next one should actually be a six month portfolio performance for you, Andrew. Is can you see that one from March through to September?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And that's just the report to show you that the port for even though Benelon is recovering and is sitting at now a 3.21% return,\n\nChannel 1: Yep.\n\nChannel 0: your portfolio is recovering for a six month return of 3.97, but a projected annualized return of 8%. So it's recovering. And but even though, as I mentioned before, Bennelong is back in the positive performance arena, it's\n\nChannel 1: Yep.\n\nChannel 0: still not something we're comfortable\n\nChannel 1: Okay.\n\nChannel 0: keeping. Kim, with yours, the exact same explanation, your portfolio in the twelve months did 1.01%, so a little bit more, and that would simply be based on the different amounts of money invested in the different investment options. And the month return for yourself, Kim, has been 6.22% with a project projected annualized return of 12.72%. So they're both tracking well even with Ben along in there, but we hope to get Ben along out of there and turn things around a little bit.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The next document should be a Vanguard index chart, a bright red document. If you if you tell me what is what it is, I can find it find it in my\n\nChannel 1: Okay. Oh, yep.\n\nChannel 0: screen.\n\nChannel 1: Here we go. Yep. Got it now.\n\nChannel 0: Lovely.\n\nChannel 1: Vanguard index\n\nChannel 0: Okay.\n\nChannel 1: chart. Yep.\n\nChannel 0: Yeah. That's exactly right. So I what I use this document for is a bit of a educational chat tool in relation to how your funds are invested. So at the moment, you're both invested as balanced growth investors. That's a title that that we use to understand your tolerance to risk.\n\nSo based on a balanced growth investor, what we would typically see is 70% of your assets allocated to the growth sector and 20 to the defensive. Defensive. So how this relates to the chart is those top four assets down the right hand side of the page being US shares, Australian shares, international shares, and listed property,\n\nChannel 1: Yep.\n\nChannel 0: they're your growth assets. And from the chart, you can see they're the ones that experience the most volatility and the ones that provide you growth over the long term. So\n\nChannel 1: Yep.\n\nChannel 0: you would have about 70% invested in that in those in across those four sectors with the remaining 30% across the defensive sector, which is bonds, being Australian and international, fixed interest, and cash. So\n\nChannel 1: Yep.\n\nChannel 0: you can see that they're the income producing expensive assets that help offset the volatility when the market is volatile. As a grow a balanced growth investor, you typically we expect an annualized return of anywhere between six to 8% with any from with volant volatility being anywhere plus or minus of 8%. So the volatility of a minus 8% is what we would say would be a a really, really bad year. But in a balanced growth portfolio, we would expect a one in six year negative return. So that doesn't mean it's gonna be a negative eight, but that's that's, like, up to the the level of volatility you could expect\n\nChannel 1: Yep.\n\nChannel 0: in that type of investment portfolio. And the minimum time frame to withstand the volatility is at least five years. So we would look at age to retirement. I know you both said sick it says 60, and I know that you both said that that's probably not going to happen. But when I go away and do my research on those funds, I'm gonna have a look at what it's projecting out at the moment for a time and for you both anyway.\n\nChannel 1: Yep.\n\nChannel 0: But at this stage, are you both happy to remain as balanced growth investors?\n\nChannel 1: Well, what's better? Like, what is the risk if we went a bit more?\n\nChannel 0: The risk\n\nChannel 1: Like, what\n\nChannel 0: so\n\nChannel 1: what's\n\nChannel 0: if you wanna\n\nChannel 1: the\n\nChannel 0: look\n\nChannel 1: norm? Like, what what do most people do?\n\nChannel 0: look.\n\nChannel 1: Like, considering\n\nChannel 0: There's no\n\nChannel 1: we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to,\n\nChannel 0: yep.\n\nChannel 1: like, ten years. What would you suggest?\n\nChannel 0: I would look at your risk tolerance. So I'd ask you a few questions So I'll explain what the next one up is. And if you will if you wanna have a think of if you wanna think about it or get my for me to be able to make a recommendation, I need to ask you both questions just to understand your tolerance. But a growth portfolio would see you typically, which is the next one up, having 80% exposure to those growth assets with about 20% in your defensive. Your return, you're looking at about seven to nine averaged out.\n\nYou're still experiencing probably one in every five years as a negative return with that volatility level being 11%. So another 3% in variance and at least a minimum of a six year time frame. So that minimum allows you to withstand those volatility those volatile periods. So if you for example, when COVID nineteen hit and everyone's superannuation took a massive nosedive And it was all over the news, and it was everywhere and everywhere. What was your reaction to that?\n\nChannel 1: We didn't really worry about it. Yeah. We didn't. Knew it was all managed, and we knew we\n\nChannel 0: Yep.\n\nChannel 1: still had this, and it is what it is. Yep.\n\nChannel 0: Yep. Yep. Okay. So that that response there tells me that you probably can tolerate a little bit more risk.\n\nChannel 1: Yep.\n\nChannel 0: There's a couple of there is a formality that I have to complete to be able to make a recommendation. Do you have I don't it'll only take a couple of minutes.\n\nChannel 1: Yep. So what what\n\nChannel 0: So\n\nChannel 1: does that look at in? How many years does that look at in for?\n\nChannel 0: you're not locked in for it. It's just that you would want at least a minimum of six years in with that hot slightly higher allocation to your growth assets to be able to benefit from it long term. So say, for example, we changed your risk profile, and in twelve months time, the top the market took a downturn,\n\nChannel 1: Yep.\n\nChannel 0: we you you need time that to be able to recover. So\n\nChannel 1: Yep.\n\nChannel 0: it and the and the brilliant part is with superannuation that a lot of people don't think of as well is in superannuation, you're actually utilizing a really cool and it's not it's not cool as in cool cool, but a really nice little strategy called dollar cost averaging. So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle. So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks. And then at other times, you might purchase funds when your when the market's already there at a high. So the benefit of dollar cost averaging is is you're actually buying funds buying investments at different stages and taking advantage of gross opportunities whether you know it or not.\n\nSo you would need at least six years. So if you said from today, I wanna go a gross investor, I would say in six years' time being 2032, we would look at saying and it's obviously, it's not set in stone, but we probably wouldn't look at decreasing some of those assets down again until around then.\n\nChannel 1: Yep.\n\nChannel 0: Or if the market if it's at a time where the market's at a really great height, we could look at them decreasing again. But, typically, in the lead up to retirement, probably about three three to three years before retirement, we start to look at reducing exposure to growth assets, making sure that we've got a fair a fair allocation to income producing assets. We start to build the cash holding to fund future pension payments so\n\nChannel 1: Yes.\n\nChannel 0: that we don't have to sell those growth assets when you are in retirement.\n\nChannel 1: Yep.\n\nChannel 0: So it's a kind of a phased approach.\n\nChannel 1: Yep.\n\nChannel 0: Did you want me to complete that questionnaire, or are you happy to stay as\n\nChannel 1: Oh,\n\nChannel 0: balanced growth investors?\n\nChannel 1: no. I think we'll complete that questionnaire.\n\nChannel 0: Yeah?\n\nChannel 1: We sort\n\nChannel 0: Okay.\n\nChannel 1: of have time, you know, if you're looking well, if we said 65 or I've only just turned 56 and and that.\n\nChannel 0: Yep.\n\nChannel 1: So we've got, like, that that sort of period of time.\n\nChannel 0: Yep. Okay. Alright. So no right or wrong answer. You can both have different answers, and I will keep it as brief as I can.\n\nWe so the first question is, what is the most aggressive investment you have ever made? Has it been direct shares, managed funds, investment property, your own home, or a higher interest interest bank account.\n\nChannel 1: Just the investment property, I guess. Let's see. Anything we've done?\n\nChannel 0: Yep.\n\nChannel 1: We haven't done anything else.\n\nChannel 0: Yep. That's fine. Once investments have been placed, and we're talking about your superannuation here, how long would you how long would it be before you would need to access it? Longer than ten years, between seven to nine years, or between four to six, two to three, and less than two?\n\nChannel 1: Well, I guess it's for me, it's that sort of around the ten year mark.\n\nChannel 0: Yep. What about yourself, Kim?\n\nChannel 1: Yeah. About ten years until I I mean, I've got too tired early, but it's gonna happen. So\n\nChannel 0: Me too. Me too. Okay. So the next question is inflation means things are getting more expensive over time, which makes our money worth less or today's money worth less. How much risk are you willing to take to keep up with rising prices?\n\nAre you willing to accept a very high risk to outpace relation inflation? A high risk to outpace inflation. Moderate, a small amount, or no risk.\n\nChannel 1: Oh, moderate amount.\n\nChannel 0: Mhmm. What about\n\nChannel 1: Yeah.\n\nChannel 0: yourself,\n\nChannel 1: Moderate\n\nChannel 0: Kim?\n\nChannel 1: to high. I mean, with our rates, we can still do a little bit of risk.\n\nChannel 0: Yep. So are you saying hi?\n\nChannel 1: Yeah. Hi.\n\nChannel 0: Yep. And, Andrew, you're moderate?\n\nChannel 1: Yeah. I'm a bit the same, moderate to high. I sort of still look and go, well, got ten years sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: So yep.\n\nChannel 0: Okay. Okay. If in the next six months after investing, you found out that your portfolio decreased by 20% due to the general trends in the financial market, so that's being that chart I showed you, the general trends,\n\nChannel 1: Yep.\n\nChannel 0: would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses?\n\nChannel 1: Oh, I think it was to get someone's opinion on an expert. I have no idea what you're talking about. Yeah. And that's the\n\nChannel 0: Yep.\n\nChannel 1: thing. It's it's We don't know what we're talking about. That's why we get someone to do it.\n\nChannel 0: Yep. So do you think you would hold and wait?\n\nChannel 1: Yeah. Probably\n\nChannel 0: Or\n\nChannel 1: hold\n\nChannel 0: or\n\nChannel 1: on, mate. Yep.\n\nChannel 0: yeah. Or hold and get seek advice?\n\nChannel 1: Take advice.\n\nChannel 0: Yep. Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above per annum, six to eight, four to six, two to four, or zero to\n\nChannel 1: I'd like to think six to eight.\n\nChannel 0: two. Yep.\n\nChannel 1: Yeah. They said, like, no more than no less than six to eight.\n\nChannel 0: Yep. Okay. Have your investments, including superannuation, ever dropped in value, and how did it make you feel? I think we've probably answered this question by before with\n\nChannel 1: Yep.\n\nChannel 0: my COVID example, but\n\nChannel 1: Yep.\n\nChannel 0: I have to ask anyway. Are you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? Beautiful.\n\nChannel 1: Oh, no. Just optimistic. Obviously, prior to engaging you guys, investments are doing nothing. So we've seen, obviously, a significant turnaround to that. So we're we're pretty optimistic now.\n\nChannel 0: And the last question is, have you ever thought about taking out a loan to invest outside of an investment property?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Beautiful. Okay. So you've actually scored as growth investors. So I actually have no issues in recommending that you up your your risk profile a little to go take a little bit take on a little\n\nChannel 1: Yep.\n\nChannel 0: bit more growth.\n\nChannel 1: Yep.\n\nChannel 0: You understand the market. You're you don't seem emotionally reactive to markets market movement, and you understand it. So I think that I I could definitely recommend you change to a gross risk profile and\n\nChannel 1: Yep.\n\nChannel 0: take on a little bit more exposure to those gross assets\n\nChannel 1: Yep.\n\nChannel 0: to help you build that portfolio as well.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy for me to may have a little bit of a when I because I've got I'm reviewing those investment options anyway, so part of that\n\nChannel 1: Yep.\n\nChannel 0: would form me looking at a different\n\nChannel 1: Yep.\n\nChannel 0: not\n\nChannel 1: Yep.\n\nChannel 0: necessarily a different, but a little bit more exposure to growth?\n\nChannel 1: Yes.\n\nChannel 0: Lovely. Okay. The next document should be a certificate of currency for insurance, if\n\nChannel 1: Yep.\n\nChannel 0: I'm correct. I'm just navigating through. I've got all your documents on one screen, so it won't be a sec. And it should be ClearView for yourself, Andrew.\n\nChannel 1: Yep.\n\nChannel 0: Yep. It's basically confirming what we discussed on the cover page. It's just the certificate of currency.\n\nChannel 1: Yep.\n\nChannel 0: What it means is that your policy is enforced, paid, and in place. And the next one for\n\nChannel 1: Yep.\n\nChannel 0: yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information.\n\nChannel 1: Oh, I didn't oh, is that no. I didn't have that.\n\nChannel 0: No? Okay. I can't see it either. I'm just through. Give me one sec.\n\nI'll jump into to your folder, Kim, and double check. It might be that it wasn't generated. So I can have I'm just jumping into the resolution life portal right now. I press the wrong button. I can get that generated and sent through to you, post our meetings.\n\nBut I would at least like to be able to confirm with you on the phone that it's actually in force. There we go.\n\nChannel 1: The income protection was confused when you're wrong. Only thirty day waiting period.\n\nChannel 0: Actually, we might not manage that, Kim. It\n\nChannel 1: Yeah.\n\nChannel 0: might\n\nChannel 1: I don't think you do.\n\nChannel 0: be. We can take it over and have it all as one if you like. Like, it it would stay with Resolution Life. We can take it over if you like, so it's part forms part of your review. Because\n\nChannel 1: Okay.\n\nChannel 0: I'm just logging in, having a look. There should be no reason why we cannot because all it does is it transfers over to us as a business, and we just manage\n\nChannel 1: That'd\n\nChannel 0: it for\n\nChannel 1: be\n\nChannel 0: you.\n\nChannel 1: that would be better. Yeah.\n\nChannel 0: Yeah. Alright. Let me look into that. I'm gonna make a note of that to see if we can. So I'll get one of my colleagues onto that.\n\nIt'd just be a form that you'd need to sign. Okay. So my apologies about that. I gave you the information there, Kim. The next document should be a financial services guide.\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's a legal document. It's been updated as of June. So every time we update it, we give our clients a new one. Same information remains, who we are, what we do, the advice we provide, how we provide it, fees.\n\nAnd the most important part of that document is actually the compliance the compliance the complaints process. So the document is always available on the website, but we do include it in our review packs to make sure that clients have it and are aware of it. The next document, I'm going to rely on you to tell me what it is because I'm not sure which order they've put the last slot in.\n\nChannel 1: I've got consent to new ongoing fee arrangement.\n\nChannel 0: Okay. Is that for Andrew or Kim?\n\nChannel 1: And that is for Andrew.\n\nChannel 0: Lovely. Okay. I'll get the right one up. So you'll both have one of these. Because you're invested as a couple, you get the discounted fee rate of 1.1%.\n\nChannel 1: Yep.\n\nChannel 0: Andrew, your annual fee, even though it's a percent based fee, what we do is it's fixed. So it will be based on the one balance and then deducted monthly. So that works out to be $225.89 a month.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Previously, it would fluctuate with the market. It'd be just the percent based fee, but that that doesn't provide a lot of transparency for clients. And our aim is to provide transparency and consistency so you know what your fee is. And just because the market's performing well one month, that doesn't necessarily mean that we should get paid more that month. That\n\nChannel 1: Yes.\n\nChannel 0: should be yours. So we've changed our fee structure to be it's based on a calculated on a percent, but then it's set as an annual fee.\n\nChannel 1: Yep.\n\nChannel 0: Kim, yours should be the next one.\n\nChannel 1: Yes. It is. Yes.\n\nChannel 0: So your fee is $2,439.64 per month, same arrangement as I just explained, and that would equate to $203.30 per month, and they're both deducted from your superannuation balance on a monthly basis. The next document\n\nChannel 1: Yep.\n\nChannel 0: is\n\nChannel 1: I think that's all.\n\nChannel 0: is it?\n\nChannel 1: Okay. Click to Now it says click to start.\n\nChannel 0: Yep. Okay. Fantastic. That means that the tax file number forms and all that have already been done previously, so that's great. So, basically, following all that, do you have any questions?\n\nChannel 1: The other one I do have is so with the investment property,\n\nChannel 0: Yes.\n\nChannel 1: if we plan, say, in the next, you know, if we do this high high risk and\n\nChannel 0: Mhmm.\n\nChannel 1: then say in the next, say, three to five years, we decided to sell the investment property and made decent money and\n\nChannel 0: Yes.\n\nChannel 1: then put that into super or the the maximum amount we can put into super, does that just then go into our balance and then start to work with it? What does that do?\n\nChannel 0: So if\n\nChannel 1: Like,\n\nChannel 0: you were\n\nChannel 1: you know\n\nChannel 0: to\n\nChannel 1: how\n\nChannel 0: sell\n\nChannel 1: you can do\n\nChannel 0: yep.\n\nChannel 1: so when we went to the account the other day, you can do five years back of super up to $30,000.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: if we\n\nChannel 0: claim\n\nChannel 1: went\n\nChannel 0: it as\n\nChannel 1: through\n\nChannel 0: a tax\n\nChannel 1: and,\n\nChannel 0: deduction?\n\nChannel 1: yeah, so if we sold\n\nChannel 0: Yep.\n\nChannel 1: the property, made money, and put it into season before we had to pay capital gains,\n\nChannel 0: Yep.\n\nChannel 1: does\n\nChannel 0: It's\n\nChannel 1: that\n\nChannel 0: all\n\nChannel 1: then\n\nChannel 0: about\n\nChannel 1: just\n\nChannel 0: timing. Yeah.\n\nChannel 1: so\n\nChannel 0: Yep.\n\nChannel 1: that then doesn't\n\nChannel 0: We\n\nChannel 1: add to our money and you start investing that?\n\nChannel 0: correct. So\n\nChannel 1: Okay.\n\nChannel 0: it serves two it serves two purposes. It's a it's a very common strategy used to offset capital gains tax\n\nChannel 1: Yep.\n\nChannel 0: because the superannual so it's gotta be timed correctly. So and by saying that, you wouldn't wanna be selling a property on either side very close to the\n\nChannel 1: Okay.\n\nChannel 0: financial year because you could actually do yourself an injustice if depending on when settlement is and if you can't get the money into super quick enough. So\n\nChannel 1: Yep.\n\nChannel 0: you wouldn't wanna do it too close to the thirtieth of\n\nChannel 1: Okay.\n\nChannel 0: June just with that that risk there. You'd be better off either pushing it out to the next financial year\n\nChannel 1: Yes.\n\nChannel 0: if that was. But you we will we can talk you through that and say, you know, these are gonna be the cutoff dates for money to be put into super because every super fund has a cutoff date\n\nChannel 1: Okay. So\n\nChannel 0: where\n\nChannel 1: at this time,\n\nChannel 0: they'll\n\nChannel 1: would\n\nChannel 0: accept\n\nChannel 1: she talk\n\nChannel 0: it.\n\nChannel 1: to you guys first?\n\nChannel 0: Yeah. When you're considering it, we will do that's definite I can definitely help with that. I've done that many, many times.\n\nChannel 1: Yes.\n\nChannel 0: Your accountant is very good for mentioning it and bringing it up. So, yeah, when that time does come, we would put we would work with your accountant\n\nChannel 1: Yep.\n\nChannel 0: to I would like to speak with him with your permission, him or her, sorry,\n\nChannel 1: Yep.\n\nChannel 0: to say he could provide they could provide the the tax implications or estimates that you'd be facing, and then we can work with them to make sure that the corrected money's amount of money's put in to offset that capital gains as much as possible.\n\nChannel 1: Yep.\n\nChannel 0: And then the remainder, you depending on the time frame, you may not want to put into superannuation if you're unable to access it for still another couple of years.\n\nChannel 1: Oh, we wanna put the maximum. I think we're now to take capital gains on it.\n\nChannel 0: So well, you are well, you can only you will be limited to the amount you can put in\n\nChannel 1: Yeah.\n\nChannel 0: based on,\n\nChannel 1: 30,000\n\nChannel 0: like\n\nChannel 1: dollars a year for the last five or something.\n\nChannel 0: yeah. But don't forget that your your employer contributions reduce that 30,000 each\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: year\n\nChannel 1: That's\n\nChannel 0: as\n\nChannel 1: right.\n\nChannel 0: well.\n\nChannel 1: But see,\n\nChannel 0: So\n\nChannel 1: Andrew hasn't worked much over\n\nChannel 0: hasn't\n\nChannel 1: the last two years,\n\nChannel 0: yeah.\n\nChannel 1: so we could use\n\nChannel 0: Yep.\n\nChannel 1: more on him. Yeah.\n\nChannel 0: Yep. But but the capital gain will be applied evenly to each of you. So he won't\n\nChannel 1: Yes.\n\nChannel 0: be able to apply any of his tax offsets to you. So just depending\n\nChannel 1: Oh,\n\nChannel 0: on\n\nChannel 1: okay.\n\nChannel 0: how how\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: yeah.\n\nChannel 0: house\n\nChannel 1: Let's\n\nChannel 0: is\n\nChannel 1: see.\n\nChannel 0: is is purchased and structured. But we would we would deep dive and do that then.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: it's\n\nChannel 1: right.\n\nChannel 0: definitely\n\nChannel 1: And then\n\nChannel 0: a\n\nChannel 1: yeah.\n\nChannel 0: strategy it's definitely a strategy you can employ when that time comes.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Alright. Fantastic.\n\nChannel 1: That's good.\n\nChannel 0: Well, what my homework from here is is I'm going to go and do some investment research and do what we call an advice document. While I've both got you on the phone, I will need another meeting with you both just to present that advice just because we're changing the risk profile a little bit and the investments. Andrew, how long are you still off work for?\n\nChannel 1: Probably, yeah. I'm sort of doing a little bit of work from home and that, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's like I'm probably still here at home for a couple of weeks.\n\nChannel 0: Okay. If I looked at the week beginning the October 5, do you both prefer an evening? I've got Thursday, the eighth available.\n\nChannel 1: Yeah. And even this time of an evening works because obviously, you know,\n\nChannel 0: Yep.\n\nChannel 1: it's him still gonna get home. So yep.\n\nChannel 0: Yep. So 05:30 again?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Alright. I'm gonna lock that in. I will send you both a calendar invite tomorrow to\n\nChannel 1: Yep.\n\nChannel 0: so that you have that in your calendar. And I'll also make sure that we get some information on that resolution live and see how we can get that over\n\nChannel 1: And that's formed so\n\nChannel 0: to\n\nChannel 1: I cannot\n\nChannel 0: us.\n\nChannel 1: be on\n\nChannel 0: Yes.\n\nChannel 1: so that\n\nChannel 0: Yep. Then we'll chat we'll change it to a non lapse thing so it doesn't lapse.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. We'll get all that sorted for you. And then in the meantime, any questions, reach out. And if you're happy to sign those ongoing consent forms, so I'll ask you to do that when you're happy and ready if you are, and we'll go from there.\n\nChannel 1: You just click to start again?\n\nChannel 0: Sorry?\n\nChannel 1: You just gotta click to start, and then that's how you sign it, or where do you sign it? Oh, yeah. I see\n\nChannel 0: I've\n\nChannel 1: signature.\n\nChannel 0: never yep. I've never\n\nChannel 1: Cool.\n\nChannel 0: actually done it myself, to be honest. It's I think it's\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: think I\n\nChannel 0: supposed\n\nChannel 1: just did\n\nChannel 0: to be\n\nChannel 1: it anyway. I just did\n\nChannel 0: yeah. Okay. Alright. Let's have a look. I'll tell you if it worked because I\n\nChannel 1: it\n\nChannel 0: think\n\nChannel 1: anyway.\n\nChannel 0: I usually it usually comes through pretty quickly. It's supposed to be pretty user friendly. So fingers crossed that is for you. It will come through as it does anyway. If there's any issues, one of my colleagues will reach out to you to let you know.\n\nBut I will be speaking with you both on the eighth to present that advice and make those changes to your portfolio. Is that okay?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Absolutely.\n\nChannel 0: Beautiful. Alright. Fantastic. Well, if you have any questions, please, again, in the meantime, just give me a call. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: I look forward to speaking to you both in about two weeks.\n\nChannel 1: No worries. Not a problem.\n\nChannel 0: Beautiful.\n\nChannel 1: Thank you.\n\nChannel 0: Thank you so much. Have a awesome evening.\n\nChannel 1: Alright.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Thank you.","start":0.79999995,"end":1.1999999,"sentiment":"positive","sentiment_score":0.6122139394283295},{"text":"Thank you.","start":1.1999999,"end":1.68,"sentiment":"positive","sentiment_score":0.5186275392770767},{"text":"Hello.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.16141483187675476},{"text":"Andrew speaking.","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.11843995749950409}],"sentiment":"positive","sentiment_score":0.3799968148980822,"channel":1,"num_words":7,"start":0.79999995,"end":3.3799999},{"sentences":[{"text":"Hi, Andrew.","start":4.08,"end":4.96,"sentiment":"neutral","sentiment_score":0.22532518208026886},{"text":"It's Jenna here finding from Oakview Financial.","start":4.96,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23556525366646902},{"text":"How are you today?","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":0.26499319821596146}],"sentiment":"neutral","sentiment_score":0.24304461020689744,"channel":0,"num_words":13,"start":4.08,"end":8.42},{"sentences":[{"text":"I'm good.","start":8.639999,"end":9.04,"sentiment":"positive","sentiment_score":0.5419612228870392},{"text":"Thank you.","start":9.04,"end":9.78,"sentiment":"positive","sentiment_score":0.6872495114803314}],"sentiment":"positive","sentiment_score":0.6146053671836853,"channel":1,"num_words":4,"start":8.639999,"end":9.78},{"sentences":[{"text":"That's good.","start":10.559999,"end":11.62,"sentiment":"positive","sentiment_score":0.5974585711956024},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":11.84,"end":16.775,"sentiment":"neutral","sentiment_score":0.06326318856166757},{"text":"Is that okay?","start":16.994999,"end":17.895,"sentiment":"neutral","sentiment_score":0.05644660318891207}],"sentiment":"neutral","sentiment_score":0.10068965317415339,"channel":0,"num_words":28,"start":10.559999,"end":17.895},{"sentences":[{"text":"Yep.","start":18.115,"end":18.615,"sentiment":"neutral","sentiment_score":0.028106560930609703},{"text":"Yep.","start":19.154999,"end":19.654999,"sentiment":"neutral","sentiment_score":0.03276873007416725}],"sentiment":"neutral","sentiment_score":0.030437645502388477,"channel":1,"num_words":2,"start":18.115,"end":19.654999},{"sentences":[{"text":"Yeah.","start":19.315,"end":19.815,"sentiment":"neutral","sentiment_score":0.04270432889461517},{"text":"And, Andrew, just before I do go any further, I just need to get you to confirm your full name, date of birth, and address, please.","start":20.755001,"end":27.175,"sentiment":"neutral","sentiment_score":0.029593377087551814}],"sentiment":"neutral","sentiment_score":0.030078967895220826,"channel":0,"num_words":27,"start":19.315,"end":27.175},{"sentences":[{"text":"Andrew Robert Hearn.","start":28.0,"end":29.04,"sentiment":"neutral","sentiment_score":0.004390351862336199},{"text":"09/17/1970.","start":29.04,"end":30.98,"sentiment":"neutral","sentiment_score":0.005430868826806545},{"text":"21 Warragile Place, Malowa Bay, New South Wales 2536.","start":31.36,"end":35.7,"sentiment":"neutral","sentiment_score":0.012715099793341424}],"sentiment":"neutral","sentiment_score":0.010233678657991381,"channel":1,"num_words":13,"start":28.0,"end":35.7},{"sentences":[{"text":"Fantastic.","start":36.5,"end":37.0,"sentiment":"positive","sentiment_score":0.5736950635910034},{"text":"Thank you for that.","start":37.14,"end":38.28,"sentiment":"positive","sentiment_score":0.6048837751150131},{"text":"I'm just phoning for yours and Kim's annual review.","start":38.5,"end":41.86,"sentiment":"neutral","sentiment_score":0.2727670520544052},{"text":"Do you have time","start":41.86,"end":42.445,"sentiment":"neutral","sentiment_score":0.05543082486838102}],"sentiment":"neutral","sentiment_score":0.31499205177856815,"channel":0,"num_words":18,"start":36.5,"end":42.445},{"sentences":[{"text":"Yep.","start":42.355,"end":42.855,"sentiment":"neutral","sentiment_score":0.05839037150144577}],"sentiment":"neutral","sentiment_score":0.05839037150144577,"channel":1,"num_words":1,"start":42.355,"end":42.855},{"sentences":[{"text":"to do that now?","start":42.445,"end":43.585,"sentiment":"neutral","sentiment_score":0.08611039444804192}],"sentiment":"neutral","sentiment_score":0.08611039444804192,"channel":0,"num_words":4,"start":42.445,"end":43.585},{"sentences":[{"text":"Yep.","start":43.954998,"end":44.454998,"sentiment":"neutral","sentiment_score":0.03471091017127037}],"sentiment":"neutral","sentiment_score":0.03471091017127037,"channel":1,"num_words":1,"start":43.954998,"end":44.454998},{"sentences":[{"text":"Yeah?","start":44.925,"end":45.325,"sentiment":"neutral","sentiment_score":0.06098196655511856},{"text":"Oh, wonderful.","start":45.325,"end":46.145,"sentiment":"neutral","sentiment_score":0.24410586059093475},{"text":"Is Kim with you?","start":46.525,"end":48.065,"sentiment":"neutral","sentiment_score":0.1105126179754734}],"sentiment":"neutral","sentiment_score":0.14160630851984024,"channel":0,"num_words":7,"start":44.925,"end":48.065},{"sentences":[{"text":"Yep.","start":48.434998,"end":48.915,"sentiment":"neutral","sentiment_score":0.01770738512277603},{"text":"She's just here.","start":48.915,"end":49.975,"sentiment":"neutral","sentiment_score":0.010522321332246065}],"sentiment":"neutral","sentiment_score":0.012318587279878557,"channel":1,"num_words":4,"start":48.434998,"end":49.975},{"sentences":[{"text":"Yeah.","start":50.364998,"end":50.765,"sentiment":"neutral","sentiment_score":-0.01396334543824196},{"text":"I just need to I I have to ID Kim as well just to make sure that I'm speaking with the right people even though I called","start":50.765,"end":60.260002,"sentiment":"neutral","sentiment_score":-0.048535373199869086}],"sentiment":"neutral","sentiment_score":-0.04730065792266812,"channel":0,"num_words":28,"start":50.364998,"end":60.260002},{"sentences":[{"text":"Yeah.","start":60.05,"end":60.55,"sentiment":"neutral","sentiment_score":-0.012558715417981148}],"sentiment":"neutral","sentiment_score":-0.012558715417981148,"channel":1,"num_words":1,"start":60.05,"end":60.55},{"sentences":[{"text":"you.","start":60.260002,"end":60.58,"sentiment":"neutral","sentiment_score":-0.013159891590476036},{"text":"But, Kim, can I please ask you to provide your full name, date of birth, and address, please?","start":60.58,"end":67.56,"sentiment":"neutral","sentiment_score":0.0028517240554922158}],"sentiment":"neutral","sentiment_score":0.0020090074425465182,"channel":0,"num_words":19,"start":60.260002,"end":67.56},{"sentences":[{"text":"Yeah.","start":67.81,"end":68.295,"sentiment":"neutral","sentiment_score":0.00859919935464859},{"text":"King Marie Hearn, first of the eight seventy two, twenty one Marlborough Place in Little Bay.","start":68.375,"end":72.795,"sentiment":"neutral","sentiment_score":0.018905458389781415}],"sentiment":"neutral","sentiment_score":0.018299207858303013,"channel":1,"num_words":17,"start":67.81,"end":72.795},{"sentences":[{"text":"Lovely.","start":73.395004,"end":73.875,"sentiment":"positive","sentiment_score":0.38482993841171265},{"text":"Thank you, Kim.","start":73.875,"end":74.935,"sentiment":"positive","sentiment_score":0.445039560397466},{"text":"Okay.","start":75.795,"end":76.295,"sentiment":"neutral","sentiment_score":0.30675074458122253},{"text":"How are you both doing today?","start":76.355,"end":77.735,"sentiment":"neutral","sentiment_score":0.25380197664101917}],"sentiment":"neutral","sentiment_score":0.3226828385483135,"channel":0,"num_words":11,"start":73.395004,"end":77.735},{"sentences":[{"text":"Yeah.","start":78.134995,"end":78.295,"sentiment":"neutral","sentiment_score":0.1496804505586624},{"text":"Good 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Andrew.","start":1242.79,"end":1249.625,"sentiment":"neutral","sentiment_score":0.05582079105079174}],"sentiment":"neutral","sentiment_score":0.055536381900310516,"channel":0,"num_words":18,"start":1241.43,"end":1249.625},{"sentences":[{"text":"Yep.","start":1252.515,"end":1253.015,"sentiment":"neutral","sentiment_score":0.05535346269607544}],"sentiment":"neutral","sentiment_score":0.05535346269607544,"channel":1,"num_words":1,"start":1252.515,"end":1253.015},{"sentences":[{"text":"Yeah.","start":1253.9249,"end":1254.4249,"sentiment":"neutral","sentiment_score":0.07531367242336273},{"text":"So you're both invested in the the same type of portfolio, and both of your returns are gonna when I explain it, I'm gonna explain it because it's gonna be applicable to both your portfolios anyway.","start":1255.205,"end":1268.41,"sentiment":"neutral","sentiment_score":0.09719642448342508},{"text":"You'll see along the top, there's a Benelong Australian Equities Fund.","start":1271.1901,"end":1274.885,"sentiment":"neutral","sentiment_score":0.06774753095074133},{"text":"That fund, you'll see, has had a significant underperformance.","start":1274.885,"end":1278.345,"sentiment":"neutral","sentiment_score":-0.24842076500256857}],"sentiment":"neutral","sentiment_score":0.0365582615659948,"channel":0,"num_words":57,"start":1253.9249,"end":1278.345},{"sentences":[{"text":"Yep.","start":1279.465,"end":1279.965,"sentiment":"neutral","sentiment_score":-0.13574907183647156}],"sentiment":"neutral","sentiment_score":-0.13574907183647156,"channel":1,"num_words":1,"start":1279.465,"end":1279.965},{"sentences":[{"text":"We're not reactive in relation to underperformance because markets fluctuate as we as we see daily.","start":1280.405,"end":1288.2401,"sentiment":"neutral","sentiment_score":-0.19037950783967972},{"text":"However, the Bennelong's investment mandate is that they identify underperforming oh, sorry, undervalued companies within the Australian share market for growth opportunities.","start":1289.7401,"end":1301.6549,"sentiment":"neutral","sentiment_score":-0.10994704965163361},{"text":"Now the market trend in the last twelve months favored the bigger financial institutions and the resource sector.","start":1301.6549,"end":1309.835,"sentiment":"neutral","sentiment_score":0.10098312960730658},{"text":"So the performance of Benny Bennelong was due to their investment mandate.","start":1310.215,"end":1316.06,"sentiment":"neutral","sentiment_score":0.23777820045749345},{"text":"Now Bennelong is also turning around, and they are in a positive return at the moment.","start":1316.12,"end":1324.06,"sentiment":"positive","sentiment_score":0.5535645987838507}],"sentiment":"neutral","sentiment_score":0.09599001310943138,"channel":0,"num_words":84,"start":1280.405,"end":1324.06},{"sentences":[{"text":"However, as a company, our investment committee has decided that, Bennelong is not something we feel comfortable keeping in our clients' portfolios moving forward.","start":1324.36,"end":1336.5651,"sentiment":"negative","sentiment_score":-0.40331643136839074},{"text":"So","start":1336.865,"end":1337.185,"sentiment":"neutral","sentiment_score":-0.02107365056872368}],"sentiment":"negative","sentiment_score":-0.38802672013640405,"channel":0,"num_words":25,"start":1324.36,"end":1337.185},{"sentences":[{"text":"Yep.","start":1337.145,"end":1337.645,"sentiment":"neutral","sentiment_score":0.021449869498610497}],"sentiment":"neutral","sentiment_score":0.021449869498610497,"channel":1,"num_words":1,"start":1337.145,"end":1337.645},{"sentences":[{"text":"when I speak with clients, I just touch on the fact that I would like to, look at an alternative to that if you're okay with","start":1337.185,"end":1346.41,"sentiment":"neutral","sentiment_score":0.0014614751562476158}],"sentiment":"neutral","sentiment_score":0.0014614751562476158,"channel":0,"num_words":26,"start":1337.185,"end":1346.41},{"sentences":[{"text":"Yep.","start":1346.35,"end":1346.85,"sentiment":"neutral","sentiment_score":-0.0033840786200016737}],"sentiment":"neutral","sentiment_score":-0.0033840786200016737,"channel":1,"num_words":1,"start":1346.35,"end":1346.85},{"sentences":[{"text":"that.","start":1346.41,"end":1346.91,"sentiment":"neutral","sentiment_score":0.021336764097213745}],"sentiment":"neutral","sentiment_score":0.021336764097213745,"channel":0,"num_words":1,"start":1346.41,"end":1346.91},{"sentences":[{"text":"Yep.","start":1347.0701,"end":1347.5701,"sentiment":"neutral","sentiment_score":0.04389113187789917}],"sentiment":"neutral","sentiment_score":0.04389113187789917,"channel":1,"num_words":1,"start":1347.0701,"end":1347.5701},{"sentences":[{"text":"And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid.","start":1349.13,"end":1358.985,"sentiment":"neutral","sentiment_score":0.03510018728673458},{"text":"Nothing","start":1359.5249,"end":1359.9249,"sentiment":"neutral","sentiment_score":0.04817716032266617}],"sentiment":"neutral","sentiment_score":0.03560314778811657,"channel":0,"num_words":26,"start":1349.13,"end":1359.9249},{"sentences":[{"text":"Yep.","start":1359.715,"end":1360.215,"sentiment":"neutral","sentiment_score":0.012592559680342674}],"sentiment":"neutral","sentiment_score":0.012592559680342674,"channel":1,"num_words":1,"start":1359.715,"end":1360.215},{"sentences":[{"text":"wrong with that investment at all.","start":1359.9249,"end":1362.1849,"sentiment":"neutral","sentiment_score":-0.053578743090232216},{"text":"It's just that as of January 2027, the Australian banks, due to legislation changes, are phasing out the hybrid investment options.","start":1363.0449,"end":1373.385,"sentiment":"neutral","sentiment_score":-0.04067900481944283}],"sentiment":"neutral","sentiment_score":-0.04354561332406269,"channel":0,"num_words":27,"start":1359.9249,"end":1373.385},{"sentences":[{"text":"Yep.","start":1374.14,"end":1374.64,"sentiment":"neutral","sentiment_score":0.02879184298217297}],"sentiment":"neutral","sentiment_score":0.02879184298217297,"channel":1,"num_words":1,"start":1374.14,"end":1374.64},{"sentences":[{"text":"What it means is that I don't know what it's gonna be replaced with.","start":1374.39,"end":1379.43,"sentiment":"neutral","sentiment_score":-0.06328263027327401},{"text":"Nobody does.","start":1379.43,"end":1380.49,"sentiment":"neutral","sentiment_score":-0.19904621690511703},{"text":"And I would rather be a little bit more proactive in that respect and look at alternatives now rather than waiting to see while while it still is performing","start":1380.9501,"end":1391.385,"sentiment":"neutral","sentiment_score":0.04166889653123658}],"sentiment":"neutral","sentiment_score":-0.0016811390717824293,"channel":0,"num_words":45,"start":1374.39,"end":1391.385},{"sentences":[{"text":"Yep.","start":1392.225,"end":1392.725,"sentiment":"neutral","sentiment_score":0.17852798104286194}],"sentiment":"neutral","sentiment_score":0.17852798104286194,"channel":1,"num_words":1,"start":1392.225,"end":1392.725},{"sentences":[{"text":"and providing great income.","start":1392.485,"end":1394.105,"sentiment":"positive","sentiment_score":0.356174748390913},{"text":"So if you're both comfortable with that, you both hold that in your portfolio.","start":1394.645,"end":1398.745,"sentiment":"neutral","sentiment_score":0.20991771455321992},{"text":"So I wanted so I ex I'll explain that to you both.","start":1399.5,"end":1402.86,"sentiment":"neutral","sentiment_score":0.09188710587720077},{"text":"But with your permission, I'd like to look at replace it alternatives to replace those.","start":1402.86,"end":1409.12,"sentiment":"neutral","sentiment_score":0.03920966014266014}],"sentiment":"neutral","sentiment_score":0.1345408259994454,"channel":0,"num_words":45,"start":1392.485,"end":1409.12},{"sentences":[{"text":"Yep.","start":1409.485,"end":1409.985,"sentiment":"neutral","sentiment_score":0.08382314443588257}],"sentiment":"neutral","sentiment_score":0.08382314443588257,"channel":1,"num_words":1,"start":1409.485,"end":1409.985},{"sentences":[{"text":"Yep.","start":1410.78,"end":1411.28,"sentiment":"neutral","sentiment_score":0.08737783133983612}],"sentiment":"neutral","sentiment_score":0.08737783133983612,"channel":0,"num_words":1,"start":1410.78,"end":1411.28},{"sentences":[{"text":"Yep.","start":1411.725,"end":1412.225,"sentiment":"neutral","sentiment_score":0.11627443134784698}],"sentiment":"neutral","sentiment_score":0.11627443134784698,"channel":1,"num_words":1,"start":1411.725,"end":1412.225},{"sentences":[{"text":"The remainder of your portfolio, we have no significant concerns about.","start":1413.365,"end":1420.0249,"sentiment":"neutral","sentiment_score":0.10279429331421852},{"text":"You've got some exposure to the the all world, so America and the remainder of the world.","start":1420.325,"end":1430.47,"sentiment":"neutral","sentiment_score":0.08786860261769856},{"text":"You've got some economy different economy exposure there.","start":1430.47,"end":1434.49,"sentiment":"neutral","sentiment_score":0.10290076490491629},{"text":"You've got some global health and global cyber exposure, which gives you some access to some certain specific niche sectors that have actually performed really well recently.","start":1434.71,"end":1445.785,"sentiment":"neutral","sentiment_score":0.23976949464391778}],"sentiment":"neutral","sentiment_score":0.15748390389813316,"channel":0,"num_words":63,"start":1413.365,"end":1445.785},{"sentences":[{"text":"Yep.","start":1446.5249,"end":1447.0249,"sentiment":"neutral","sentiment_score":0.3295844793319702}],"sentiment":"neutral","sentiment_score":0.3295844793319702,"channel":1,"num_words":1,"start":1446.5249,"end":1447.0249},{"sentences":[{"text":"So with your portfolio as a whole, we're happy with it.","start":1447.125,"end":1450.885,"sentiment":"positive","sentiment_score":0.5402977737513456},{"text":"It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio.","start":1450.885,"end":1459.6799,"sentiment":"negative","sentiment_score":-0.60518920735309}],"sentiment":"neutral","sentiment_score":-0.1851773142814636,"channel":0,"num_words":30,"start":1447.125,"end":1459.6799},{"sentences":[{"text":"Yep.","start":1460.27,"end":1460.77,"sentiment":"neutral","sentiment_score":0.04328300803899765}],"sentiment":"neutral","sentiment_score":0.04328300803899765,"channel":1,"num_words":1,"start":1460.27,"end":1460.77},{"sentences":[{"text":"So overall, for the last twelve months, Andrew, your portfolio returned 0.86%.","start":1462.46,"end":1468.3999,"sentiment":"neutral","sentiment_score":0.17976897830764452}],"sentiment":"neutral","sentiment_score":0.17976897830764452,"channel":0,"num_words":12,"start":1462.46,"end":1468.3999},{"sentences":[{"text":"Yep.","start":1468.915,"end":1469.415,"sentiment":"neutral","sentiment_score":0.14894309639930725}],"sentiment":"neutral","sentiment_score":0.14894309639930725,"channel":1,"num_words":1,"start":1468.915,"end":1469.415},{"sentences":[{"text":"The next one should actually be a six month portfolio performance for you, Andrew.","start":1472.1849,"end":1477.725,"sentiment":"neutral","sentiment_score":0.13990207867962973},{"text":"Is can you see that one from March through to September?","start":1478.585,"end":1481.565,"sentiment":"neutral","sentiment_score":0.06589956412261183}],"sentiment":"neutral","sentiment_score":0.10734097227454185,"channel":0,"num_words":25,"start":1472.1849,"end":1481.565},{"sentences":[{"text":"Yep.","start":1483.03,"end":1483.53,"sentiment":"neutral","sentiment_score":0.05456435680389404}],"sentiment":"neutral","sentiment_score":0.05456435680389404,"channel":1,"num_words":1,"start":1483.03,"end":1483.53},{"sentences":[{"text":"Yep.","start":1484.105,"end":1484.605,"sentiment":"neutral","sentiment_score":0.06664302945137024},{"text":"And that's just the report to show you that the port for even though Benelon is recovering and is sitting at now a 3.21% return,","start":1484.72,"end":1492.9,"sentiment":"neutral","sentiment_score":0.06171146646142006}],"sentiment":"neutral","sentiment_score":0.06190114196103353,"channel":0,"num_words":26,"start":1484.105,"end":1492.9},{"sentences":[{"text":"Yep.","start":1493.545,"end":1494.045,"sentiment":"neutral","sentiment_score":0.049870796501636505}],"sentiment":"neutral","sentiment_score":0.049870796501636505,"channel":1,"num_words":1,"start":1493.545,"end":1494.045},{"sentences":[{"text":"your portfolio is recovering for a six month return of 3.97, but a projected annualized return of 8%.","start":1493.84,"end":1499.76,"sentiment":"neutral","sentiment_score":0.04768131859600544},{"text":"So it's recovering.","start":1499.76,"end":1505.735,"sentiment":"neutral","sentiment_score":0.07797067612409592},{"text":"And but even though, as I mentioned before, Bennelong is back in the positive performance arena, it's","start":1505.735,"end":1512.855,"sentiment":"neutral","sentiment_score":-0.058115101035903484}],"sentiment":"neutral","sentiment_score":0.0027426064602638547,"channel":0,"num_words":38,"start":1493.84,"end":1512.855},{"sentences":[{"text":"Yep.","start":1512.82,"end":1513.32,"sentiment":"neutral","sentiment_score":-0.24256795644760132}],"sentiment":"neutral","sentiment_score":-0.24256795644760132,"channel":1,"num_words":1,"start":1512.82,"end":1513.32},{"sentences":[{"text":"still not something we're comfortable","start":1512.855,"end":1514.4601,"sentiment":"negative","sentiment_score":-0.45634998083114625}],"sentiment":"negative","sentiment_score":-0.45634998083114625,"channel":0,"num_words":5,"start":1512.855,"end":1514.4601},{"sentences":[{"text":"Okay.","start":1515.265,"end":1515.765,"sentiment":"neutral","sentiment_score":-0.1861734688282013}],"sentiment":"neutral","sentiment_score":-0.1861734688282013,"channel":1,"num_words":1,"start":1515.265,"end":1515.765},{"sentences":[{"text":"keeping.","start":1517.88,"end":1518.1201,"sentiment":"neutral","sentiment_score":-0.011118965223431587},{"text":"Kim, with yours, the exact same explanation, your portfolio in the twelve months did 1.01%, so a little bit more, and that would simply be based on the different amounts of money invested in the different investment options.","start":1518.1201,"end":1538.1951,"sentiment":"neutral","sentiment_score":0.0026346890157774873},{"text":"And the month return for yourself, Kim, has been 6.22% with a project projected annualized return of 12.72%.","start":1538.8151,"end":1549.02,"sentiment":"neutral","sentiment_score":0.11423089148269759},{"text":"So they're both tracking well even with Ben along in there, but we hope to get Ben along out of there and turn things around a little bit.","start":1549.02,"end":1561.4349,"sentiment":"neutral","sentiment_score":0.1442949300897973}],"sentiment":"neutral","sentiment_score":0.07276956831269404,"channel":0,"num_words":85,"start":1517.88,"end":1561.4349},{"sentences":[{"text":"Yep.","start":1561.5801,"end":1562.06,"sentiment":"neutral","sentiment_score":0.08708006143569946},{"text":"Yep.","start":1562.06,"end":1562.56,"sentiment":"neutral","sentiment_score":0.08260639011859894}],"sentiment":"neutral","sentiment_score":0.0848432257771492,"channel":1,"num_words":2,"start":1561.5801,"end":1562.56},{"sentences":[{"text":"The next document should be a Vanguard index chart, a bright red document.","start":1563.975,"end":1579.7,"sentiment":"neutral","sentiment_score":0.09405710605474618},{"text":"If you if you tell me what is what it is, I can find it find it in my","start":1579.7,"end":1589.335,"sentiment":"neutral","sentiment_score":0.051908880276115316}],"sentiment":"neutral","sentiment_score":0.06903159699868411,"channel":0,"num_words":32,"start":1563.975,"end":1589.335},{"sentences":[{"text":"Okay.","start":1590.14,"end":1590.64,"sentiment":"neutral","sentiment_score":0.04523928463459015},{"text":"Oh, yep.","start":1591.115,"end":1591.515,"sentiment":"neutral","sentiment_score":0.041578516364097595}],"sentiment":"neutral","sentiment_score":0.04279877245426178,"channel":1,"num_words":3,"start":1590.14,"end":1591.515},{"sentences":[{"text":"screen.","start":1591.475,"end":1591.975,"sentiment":"neutral","sentiment_score":0.027224812656641006}],"sentiment":"neutral","sentiment_score":0.027224812656641006,"channel":0,"num_words":1,"start":1591.475,"end":1591.975},{"sentences":[{"text":"Here we go.","start":1591.515,"end":1592.415,"sentiment":"neutral","sentiment_score":0.03887455662091573},{"text":"Yep.","start":1592.475,"end":1592.635,"sentiment":"neutral","sentiment_score":0.09581201523542404},{"text":"Got it now.","start":1592.635,"end":1593.375,"sentiment":"neutral","sentiment_score":0.18405378858248392}],"sentiment":"neutral","sentiment_score":0.1092281501208033,"channel":1,"num_words":7,"start":1591.515,"end":1593.375},{"sentences":[{"text":"Lovely.","start":1594.115,"end":1594.615,"sentiment":"positive","sentiment_score":0.3977299928665161}],"sentiment":"positive","sentiment_score":0.3977299928665161,"channel":0,"num_words":1,"start":1594.115,"end":1594.615},{"sentences":[{"text":"Vanguard index","start":1594.395,"end":1595.355,"sentiment":"neutral","sentiment_score":0.1416289061307907}],"sentiment":"neutral","sentiment_score":0.1416289061307907,"channel":1,"num_words":2,"start":1594.395,"end":1595.355},{"sentences":[{"text":"Okay.","start":1594.995,"end":1595.495,"sentiment":"neutral","sentiment_score":0.15370333194732666}],"sentiment":"neutral","sentiment_score":0.15370333194732666,"channel":0,"num_words":1,"start":1594.995,"end":1595.495},{"sentences":[{"text":"chart.","start":1595.355,"end":1595.675,"sentiment":"neutral","sentiment_score":0.11614592373371124},{"text":"Yep.","start":1595.675,"end":1596.175,"sentiment":"neutral","sentiment_score":0.11202942579984664}],"sentiment":"neutral","sentiment_score":0.11408767476677895,"channel":1,"num_words":2,"start":1595.355,"end":1596.175},{"sentences":[{"text":"Yeah.","start":1596.515,"end":1596.835,"sentiment":"neutral","sentiment_score":0.17982956767082214},{"text":"That's exactly right.","start":1596.835,"end":1597.875,"sentiment":"neutral","sentiment_score":0.2952519158522288},{"text":"So I what I use this document for is a bit of a educational chat tool in relation to how your funds are invested.","start":1597.875,"end":1605.49,"sentiment":"neutral","sentiment_score":0.1422843181838592},{"text":"So at the moment, you're both invested as balanced growth investors.","start":1606.6699,"end":1610.5299,"sentiment":"neutral","sentiment_score":0.09130807864395055},{"text":"That's a title that that we use to understand your tolerance to risk.","start":1611.3899,"end":1626.29,"sentiment":"neutral","sentiment_score":0.0773635171353817}],"sentiment":"neutral","sentiment_score":0.1248177603746836,"channel":0,"num_words":52,"start":1596.515,"end":1626.29},{"sentences":[{"text":"So based on a balanced growth investor, what we would typically see is 70% of your assets allocated to the growth sector and 20 to the defensive.","start":1627.39,"end":1638.135,"sentiment":"neutral","sentiment_score":0.10010533062396226},{"text":"Defensive.","start":1638.615,"end":1638.6951,"sentiment":"neutral","sentiment_score":-0.006816100794821978},{"text":"So how this relates to the chart is those top four assets down the right hand side of the page being US shares, Australian shares, international shares, and listed property,","start":1638.6951,"end":1648.555,"sentiment":"neutral","sentiment_score":0.05612832885235548}],"sentiment":"neutral","sentiment_score":0.07551513261418662,"channel":0,"num_words":58,"start":1627.39,"end":1648.555},{"sentences":[{"text":"Yep.","start":1648.98,"end":1649.48,"sentiment":"neutral","sentiment_score":0.10221228003501892}],"sentiment":"neutral","sentiment_score":0.10221228003501892,"channel":1,"num_words":1,"start":1648.98,"end":1649.48},{"sentences":[{"text":"they're your growth assets.","start":1649.015,"end":1650.395,"sentiment":"neutral","sentiment_score":0.15330035239458084},{"text":"And from the chart, you can see they're the ones that experience the most volatility and the ones that provide you growth over the long term.","start":1650.855,"end":1658.87,"sentiment":"neutral","sentiment_score":0.13212652490116084},{"text":"So","start":1659.17,"end":1659.41,"sentiment":"neutral","sentiment_score":0.17332400381565094}],"sentiment":"neutral","sentiment_score":0.13618758260723082,"channel":0,"num_words":31,"start":1649.015,"end":1659.41},{"sentences":[{"text":"Yep.","start":1659.395,"end":1659.895,"sentiment":"neutral","sentiment_score":0.1704028844833374}],"sentiment":"neutral","sentiment_score":0.1704028844833374,"channel":1,"num_words":1,"start":1659.395,"end":1659.895},{"sentences":[{"text":"you would have about 70% invested in that in those in across those four sectors with the remaining 30% across the defensive sector, which is bonds, being Australian and international, fixed interest, and cash.","start":1659.41,"end":1678.8351,"sentiment":"neutral","sentiment_score":0.13520573780817144},{"text":"So","start":1679.375,"end":1679.875,"sentiment":"neutral","sentiment_score":0.12165725976228714}],"sentiment":"neutral","sentiment_score":0.13481863843543188,"channel":0,"num_words":35,"start":1659.41,"end":1679.875},{"sentences":[{"text":"Yep.","start":1679.475,"end":1679.975,"sentiment":"neutral","sentiment_score":0.14367423951625824}],"sentiment":"neutral","sentiment_score":0.14367423951625824,"channel":1,"num_words":1,"start":1679.475,"end":1679.975},{"sentences":[{"text":"you can see that they're the income producing expensive assets that help offset the volatility when the market is volatile.","start":1680.015,"end":1688.79,"sentiment":"neutral","sentiment_score":0.16266094725579022},{"text":"As a grow a balanced growth investor, you typically we expect an annualized return of anywhere between six to 8% with any from with volant volatility being anywhere plus or minus of 8%.","start":1690.21,"end":1706.625,"sentiment":"neutral","sentiment_score":0.007963037852084997},{"text":"So the volatility of a minus 8% is what we would say would be a a really, really bad year.","start":1706.765,"end":1714.87,"sentiment":"negative","sentiment_score":-0.5647389262914657},{"text":"But in a balanced growth portfolio, we would expect a one in six year negative return.","start":1716.53,"end":1722.7101,"sentiment":"negative","sentiment_score":-0.4528543036431074},{"text":"So that doesn't mean it's gonna be a negative eight, but that's that's, like, up to the the level of volatility you could expect","start":1722.77,"end":1730.575,"sentiment":"neutral","sentiment_score":-0.29076050966978073}],"sentiment":"neutral","sentiment_score":-0.19471416302618727,"channel":0,"num_words":113,"start":1680.015,"end":1730.575},{"sentences":[{"text":"Yep.","start":1731.2001,"end":1731.7001,"sentiment":"neutral","sentiment_score":-0.10816320776939392}],"sentiment":"neutral","sentiment_score":-0.10816320776939392,"channel":1,"num_words":1,"start":1731.2001,"end":1731.7001},{"sentences":[{"text":"in that type of investment portfolio.","start":1731.435,"end":1734.015,"sentiment":"neutral","sentiment_score":-0.08234283948938052},{"text":"And the minimum time frame to withstand the volatility is at least five years.","start":1734.795,"end":1743.34,"sentiment":"neutral","sentiment_score":-0.10046237707138062},{"text":"So we would look at age to retirement.","start":1743.8,"end":1747.02,"sentiment":"neutral","sentiment_score":-0.0825505736283958},{"text":"I know you both said sick it says 60, and I know that you both said that that's probably not going to happen.","start":1750.12,"end":1757.045,"sentiment":"neutral","sentiment_score":-0.21090762219999148},{"text":"But when I go away and do my research on those funds, I'm gonna have a look at what it's projecting out at the moment for a time and for you both anyway.","start":1757.585,"end":1765.845,"sentiment":"neutral","sentiment_score":-0.06561816799821275}],"sentiment":"neutral","sentiment_score":-0.11401440189885241,"channel":0,"num_words":84,"start":1731.435,"end":1765.845},{"sentences":[{"text":"Yep.","start":1766.5549,"end":1767.0549,"sentiment":"neutral","sentiment_score":0.05832436680793762}],"sentiment":"neutral","sentiment_score":0.05832436680793762,"channel":1,"num_words":1,"start":1766.5549,"end":1767.0549},{"sentences":[{"text":"But at this stage, are you both happy to remain as balanced growth investors?","start":1766.625,"end":1771.1499,"sentiment":"neutral","sentiment_score":0.11185063421726227}],"sentiment":"neutral","sentiment_score":0.11185063421726227,"channel":0,"num_words":14,"start":1766.625,"end":1771.1499},{"sentences":[{"text":"Well, what's better?","start":1771.9149,"end":1772.875,"sentiment":"neutral","sentiment_score":-0.12069061150153478},{"text":"Like, what is the risk if we went a bit more?","start":1772.875,"end":1775.135,"sentiment":"neutral","sentiment_score":-0.2928124151446603}],"sentiment":"neutral","sentiment_score":-0.25592917150684763,"channel":1,"num_words":14,"start":1771.9149,"end":1775.135},{"sentences":[{"text":"The risk","start":1776.33,"end":1776.89,"sentiment":"neutral","sentiment_score":-0.21788424998521805}],"sentiment":"neutral","sentiment_score":-0.21788424998521805,"channel":0,"num_words":2,"start":1776.33,"end":1776.89},{"sentences":[{"text":"Like, what","start":1776.68,"end":1776.96,"sentiment":"neutral","sentiment_score":-0.22581088542938232}],"sentiment":"neutral","sentiment_score":-0.22581088542938232,"channel":1,"num_words":2,"start":1776.68,"end":1776.96},{"sentences":[{"text":"so","start":1776.97,"end":1777.13,"sentiment":"neutral","sentiment_score":-0.254542738199234}],"sentiment":"neutral","sentiment_score":-0.254542738199234,"channel":0,"num_words":1,"start":1776.97,"end":1777.13},{"sentences":[{"text":"what's","start":1777.08,"end":1777.4,"sentiment":"neutral","sentiment_score":-0.2624509930610657}],"sentiment":"neutral","sentiment_score":-0.2624509930610657,"channel":1,"num_words":1,"start":1777.08,"end":1777.4},{"sentences":[{"text":"if you wanna","start":1777.13,"end":1777.69,"sentiment":"neutral","sentiment_score":-0.17940684656302133}],"sentiment":"neutral","sentiment_score":-0.17940684656302133,"channel":0,"num_words":3,"start":1777.13,"end":1777.69},{"sentences":[{"text":"the","start":1777.4,"end":1777.72,"sentiment":"neutral","sentiment_score":-0.1873958706855774}],"sentiment":"neutral","sentiment_score":-0.1873958706855774,"channel":1,"num_words":1,"start":1777.4,"end":1777.72},{"sentences":[{"text":"look","start":1777.69,"end":1777.9299,"sentiment":"neutral","sentiment_score":-0.1704593151807785}],"sentiment":"neutral","sentiment_score":-0.1704593151807785,"channel":0,"num_words":1,"start":1777.69,"end":1777.9299},{"sentences":[{"text":"norm?","start":1777.72,"end":1778.12,"sentiment":"neutral","sentiment_score":-0.15488223731517792},{"text":"Like, what what do most people do?","start":1778.12,"end":1779.9,"sentiment":"neutral","sentiment_score":-0.14117381295987538}],"sentiment":"neutral","sentiment_score":-0.1428873660042882,"channel":1,"num_words":8,"start":1777.72,"end":1779.9},{"sentences":[{"text":"look.","start":1781.005,"end":1781.505,"sentiment":"neutral","sentiment_score":-0.11539681255817412}],"sentiment":"neutral","sentiment_score":-0.11539681255817412,"channel":0,"num_words":1,"start":1781.005,"end":1781.505},{"sentences":[{"text":"Like, considering","start":1781.88,"end":1782.6,"sentiment":"neutral","sentiment_score":-0.04084424860775471}],"sentiment":"neutral","sentiment_score":-0.04084424860775471,"channel":1,"num_words":2,"start":1781.88,"end":1782.6},{"sentences":[{"text":"There's no","start":1782.125,"end":1782.945,"sentiment":"neutral","sentiment_score":-0.14869526028633118}],"sentiment":"neutral","sentiment_score":-0.14869526028633118,"channel":0,"num_words":2,"start":1782.125,"end":1782.945},{"sentences":[{"text":"we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to,","start":1782.6,"end":1788.44,"sentiment":"neutral","sentiment_score":-0.10021434866246723}],"sentiment":"neutral","sentiment_score":-0.10021434866246723,"channel":1,"num_words":21,"start":1782.6,"end":1788.44},{"sentences":[{"text":"yep.","start":1788.285,"end":1788.785,"sentiment":"neutral","sentiment_score":-0.10036351531744005}],"sentiment":"neutral","sentiment_score":-0.10036351531744005,"channel":0,"num_words":1,"start":1788.285,"end":1788.785},{"sentences":[{"text":"like, ten years.","start":1788.44,"end":1789.08,"sentiment":"neutral","sentiment_score":-0.10612333317597707},{"text":"What would you suggest?","start":1789.08,"end":1790.14,"sentiment":"neutral","sentiment_score":-0.0871226079761982}],"sentiment":"neutral","sentiment_score":-0.09526577591896057,"channel":1,"num_words":7,"start":1788.44,"end":1790.14},{"sentences":[{"text":"I would look at your risk tolerance.","start":1791.8049,"end":1794.385,"sentiment":"neutral","sentiment_score":-0.11727490595408849},{"text":"So I'd ask you a few questions So I'll explain what the next one up is.","start":1794.445,"end":1800.2999,"sentiment":"neutral","sentiment_score":0.05090847809333354},{"text":"And if you will if you wanna have a think of if you wanna think about it or get my for me to be able to make a recommendation, I need to ask you both questions just to understand your tolerance.","start":1800.2999,"end":1816.1449,"sentiment":"neutral","sentiment_score":0.06678944299133813},{"text":"But a growth portfolio would see you typically, which is the next one up, having 80% exposure to those growth assets with about 20% in your defensive.","start":1816.6849,"end":1826.59,"sentiment":"neutral","sentiment_score":-0.0019384934394447893},{"text":"Your return, you're looking at about seven to nine averaged out.","start":1827.61,"end":1831.1499,"sentiment":"neutral","sentiment_score":-0.13123245401815933}],"sentiment":"neutral","sentiment_score":0.012118452484262925,"channel":0,"num_words":102,"start":1791.8049,"end":1831.1499},{"sentences":[{"text":"You're still experiencing probably one in every five years as a negative return with that volatility level being 11%.","start":1832.09,"end":1841.905,"sentiment":"negative","sentiment_score":-0.486564355461221},{"text":"So another 3% in variance and at least a minimum of a six year time frame.","start":1841.965,"end":1848.145,"sentiment":"neutral","sentiment_score":-0.2521959636360407},{"text":"So that minimum allows you to withstand those volatility those volatile periods.","start":1848.76,"end":1854.38,"sentiment":"neutral","sentiment_score":-0.19723948215444884},{"text":"So if you for example, when COVID nineteen hit and everyone's superannuation took a massive nosedive And it was all over the news, and it was everywhere and everywhere.","start":1854.52,"end":1868.2849,"sentiment":"neutral","sentiment_score":-0.256896974454666},{"text":"What was your reaction to that?","start":1868.825,"end":1870.7649,"sentiment":"neutral","sentiment_score":-0.10491319621602695}],"sentiment":"neutral","sentiment_score":-0.28934418773505743,"channel":0,"num_words":82,"start":1832.09,"end":1870.7649},{"sentences":[{"text":"We didn't really worry about it.","start":1871.6599,"end":1872.86,"sentiment":"neutral","sentiment_score":-0.08333145392437775},{"text":"Yeah.","start":1872.86,"end":1873.02,"sentiment":"neutral","sentiment_score":0.08476503938436508},{"text":"We didn't.","start":1873.02,"end":1873.6799,"sentiment":"neutral","sentiment_score":-0.00239703431725502},{"text":"Knew it was all managed, and we knew we","start":1874.085,"end":1877.125,"sentiment":"neutral","sentiment_score":0.0030913750330607095}],"sentiment":"neutral","sentiment_score":-0.021788632083270285,"channel":1,"num_words":18,"start":1871.6599,"end":1877.125},{"sentences":[{"text":"Yep.","start":1877.065,"end":1877.28,"sentiment":"neutral","sentiment_score":0.05933650583028793}],"sentiment":"neutral","sentiment_score":0.05933650583028793,"channel":0,"num_words":1,"start":1877.065,"end":1877.28},{"sentences":[{"text":"still had this, and it is what it is.","start":1877.125,"end":1879.145,"sentiment":"neutral","sentiment_score":0.10624577436182234},{"text":"Yep.","start":1879.205,"end":1879.705,"sentiment":"neutral","sentiment_score":0.09551873058080672}],"sentiment":"neutral","sentiment_score":0.10517306998372078,"channel":1,"num_words":10,"start":1877.125,"end":1879.705},{"sentences":[{"text":"Yep.","start":1880.0,"end":1880.48,"sentiment":"neutral","sentiment_score":0.10420083999633788},{"text":"Yep.","start":1880.48,"end":1880.98,"sentiment":"neutral","sentiment_score":0.10932926833629608},{"text":"Okay.","start":1881.2001,"end":1881.52,"sentiment":"neutral","sentiment_score":0.09227035939693452},{"text":"So that that response there tells me that you probably can tolerate a little bit more risk.","start":1881.52,"end":1886.66,"sentiment":"neutral","sentiment_score":0.008946149226497202}],"sentiment":"neutral","sentiment_score":0.022894250229001045,"channel":0,"num_words":20,"start":1880.0,"end":1886.66},{"sentences":[{"text":"Yep.","start":1886.965,"end":1887.465,"sentiment":"neutral","sentiment_score":0.12556692957878113}],"sentiment":"neutral","sentiment_score":0.12556692957878113,"channel":1,"num_words":1,"start":1886.965,"end":1887.465},{"sentences":[{"text":"There's a couple of there is a formality that I have to complete to be able to make a recommendation.","start":1888.88,"end":1895.535,"sentiment":"neutral","sentiment_score":0.06951796300709248},{"text":"Do you have I don't it'll only take a couple of minutes.","start":1895.835,"end":1899.775,"sentiment":"neutral","sentiment_score":-0.001679113653760093}],"sentiment":"neutral","sentiment_score":0.04281905925927276,"channel":0,"num_words":32,"start":1888.88,"end":1899.775},{"sentences":[{"text":"Yep.","start":1900.0801,"end":1900.5801,"sentiment":"neutral","sentiment_score":0.04090425372123718},{"text":"So what what","start":1901.375,"end":1902.175,"sentiment":"neutral","sentiment_score":0.005038561920324962}],"sentiment":"neutral","sentiment_score":0.014004984870553017,"channel":1,"num_words":4,"start":1900.0801,"end":1902.175},{"sentences":[{"text":"So","start":1902.075,"end":1902.575,"sentiment":"neutral","sentiment_score":0.0021726861596107483}],"sentiment":"neutral","sentiment_score":0.0021726861596107483,"channel":0,"num_words":1,"start":1902.075,"end":1902.575},{"sentences":[{"text":"does that look at in?","start":1902.175,"end":1903.055,"sentiment":"neutral","sentiment_score":-0.0029866516590118406},{"text":"How many years does that look at in for?","start":1903.055,"end":1904.995,"sentiment":"neutral","sentiment_score":-0.006154068642192417}],"sentiment":"neutral","sentiment_score":-0.0050228482910564965,"channel":1,"num_words":14,"start":1902.175,"end":1904.995},{"sentences":[{"text":"you're not locked in for it.","start":1905.755,"end":1907.115,"sentiment":"neutral","sentiment_score":-0.09675849104921024},{"text":"It's just that you would want at least a minimum of six years in with that hot slightly higher allocation to your growth assets to be able to benefit from it long term.","start":1907.115,"end":1923.055,"sentiment":"neutral","sentiment_score":0.09393485477476408},{"text":"So say, for example, we changed your risk profile, and in twelve months time, the top the market took a downturn,","start":1923.055,"end":1929.9551,"sentiment":"neutral","sentiment_score":-0.07258352725988343}],"sentiment":"neutral","sentiment_score":0.016584086480240026,"channel":0,"num_words":60,"start":1905.755,"end":1929.9551},{"sentences":[{"text":"Yep.","start":1932.535,"end":1933.035,"sentiment":"neutral","sentiment_score":-0.05754318833351135}],"sentiment":"neutral","sentiment_score":-0.05754318833351135,"channel":1,"num_words":1,"start":1932.535,"end":1933.035},{"sentences":[{"text":"we you you need time that to be able to recover.","start":1932.895,"end":1936.9099,"sentiment":"neutral","sentiment_score":-0.09848299690268257},{"text":"So","start":1937.77,"end":1938.27,"sentiment":"neutral","sentiment_score":0.04561585187911987}],"sentiment":"neutral","sentiment_score":-0.08647475950419903,"channel":0,"num_words":12,"start":1932.895,"end":1938.27},{"sentences":[{"text":"Yep.","start":1937.895,"end":1938.395,"sentiment":"neutral","sentiment_score":-0.06396552175283432}],"sentiment":"neutral","sentiment_score":-0.06396552175283432,"channel":1,"num_words":1,"start":1937.895,"end":1938.395},{"sentences":[{"text":"it and the and the brilliant part is with superannuation that a lot of people don't think of as well is in superannuation, you're actually utilizing a really cool and it's not it's not cool as in cool cool, but a really nice little strategy called dollar cost averaging.","start":1938.97,"end":1959.315,"sentiment":"positive","sentiment_score":0.43992469140461515},{"text":"So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle.","start":1959.455,"end":1972.97,"sentiment":"neutral","sentiment_score":0.20009263054184293},{"text":"So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks.","start":1973.59,"end":1990.145,"sentiment":"neutral","sentiment_score":0.2963131804551397},{"text":"And then at other times, you might purchase funds when your when the market's already there at a high.","start":1990.87,"end":2000.1699,"sentiment":"neutral","sentiment_score":0.08376281120275196},{"text":"So the benefit of dollar cost averaging is is you're actually buying funds buying investments at different stages and taking advantage of gross opportunities whether you know it or not.","start":2000.5499,"end":2013.385,"sentiment":"neutral","sentiment_score":0.29818281879027686}],"sentiment":"neutral","sentiment_score":0.30147590145377295,"channel":0,"num_words":163,"start":1938.97,"end":2013.385},{"sentences":[{"text":"So you would need at least six years.","start":2014.005,"end":2018.67,"sentiment":"neutral","sentiment_score":0.110501853749156},{"text":"So if you said from today, I wanna go a gross investor, I would say in six years' time being 2032, we would look at saying and it's obviously, it's not set in stone, but we probably wouldn't look at decreasing some of those assets down again until around then.","start":2019.0701,"end":2046.995,"sentiment":"neutral","sentiment_score":0.00930473156273365}],"sentiment":"neutral","sentiment_score":0.02326295531258501,"channel":0,"num_words":58,"start":2014.005,"end":2046.995},{"sentences":[{"text":"Yep.","start":2047.525,"end":2048.025,"sentiment":"neutral","sentiment_score":0.01336888875812292}],"sentiment":"neutral","sentiment_score":0.01336888875812292,"channel":1,"num_words":1,"start":2047.525,"end":2048.025},{"sentences":[{"text":"Or if the market if it's at a time where the market's at a really great height, we could look at them decreasing again.","start":2047.6951,"end":2056.38,"sentiment":"neutral","sentiment_score":-0.050163228840877615},{"text":"But, typically, in the lead up to retirement, probably about three three to three years before retirement, we start to look at reducing exposure to growth assets, making sure that we've got a fair a fair allocation to income producing assets.","start":2056.38,"end":2080.1902,"sentiment":"neutral","sentiment_score":0.04924546827266856},{"text":"We start to build the cash holding to fund future pension payments so","start":2080.1902,"end":2085.07,"sentiment":"neutral","sentiment_score":0.16352989696539366}],"sentiment":"neutral","sentiment_score":0.03770558163523674,"channel":0,"num_words":78,"start":2047.6951,"end":2085.07},{"sentences":[{"text":"Yes.","start":2085.0398,"end":2085.5398,"sentiment":"neutral","sentiment_score":0.09010738134384157}],"sentiment":"neutral","sentiment_score":0.09010738134384157,"channel":1,"num_words":1,"start":2085.0398,"end":2085.5398},{"sentences":[{"text":"that we don't have to sell those growth assets when you are in retirement.","start":2085.07,"end":2090.1748,"sentiment":"neutral","sentiment_score":0.026494664805276052}],"sentiment":"neutral","sentiment_score":0.026494664805276052,"channel":0,"num_words":14,"start":2085.07,"end":2090.1748},{"sentences":[{"text":"Yep.","start":2090.7998,"end":2091.2998,"sentiment":"neutral","sentiment_score":0.0941954180598259}],"sentiment":"neutral","sentiment_score":0.0941954180598259,"channel":1,"num_words":1,"start":2090.7998,"end":2091.2998},{"sentences":[{"text":"So it's a kind of a phased approach.","start":2092.7148,"end":2095.375,"sentiment":"neutral","sentiment_score":0.14396785851567984}],"sentiment":"neutral","sentiment_score":0.14396785851567984,"channel":0,"num_words":8,"start":2092.7148,"end":2095.375},{"sentences":[{"text":"Yep.","start":2097.735,"end":2098.235,"sentiment":"neutral","sentiment_score":0.09934815019369124}],"sentiment":"neutral","sentiment_score":0.09934815019369124,"channel":1,"num_words":1,"start":2097.735,"end":2098.235},{"sentences":[{"text":"Did you want me to complete that questionnaire, or are you happy to stay as","start":2100.3948,"end":2104.75,"sentiment":"neutral","sentiment_score":0.0493631244947513}],"sentiment":"neutral","sentiment_score":0.0493631244947513,"channel":0,"num_words":15,"start":2100.3948,"end":2104.75},{"sentences":[{"text":"Oh,","start":2104.44,"end":2104.94,"sentiment":"neutral","sentiment_score":0.04314368963241577}],"sentiment":"neutral","sentiment_score":0.04314368963241577,"channel":1,"num_words":1,"start":2104.44,"end":2104.94},{"sentences":[{"text":"balanced growth investors?","start":2104.75,"end":2106.29,"sentiment":"neutral","sentiment_score":0.05668035025397936}],"sentiment":"neutral","sentiment_score":0.05668035025397936,"channel":0,"num_words":3,"start":2104.75,"end":2106.29},{"sentences":[{"text":"no.","start":2106.2,"end":2106.52,"sentiment":"neutral","sentiment_score":-0.023497140035033223},{"text":"I think we'll complete that questionnaire.","start":2106.52,"end":2108.22,"sentiment":"neutral","sentiment_score":0.029440579935908318}],"sentiment":"neutral","sentiment_score":0.021878048511488096,"channel":1,"num_words":7,"start":2106.2,"end":2108.22},{"sentences":[{"text":"Yeah?","start":2108.51,"end":2109.01,"sentiment":"neutral","sentiment_score":0.03055034391582012}],"sentiment":"neutral","sentiment_score":0.03055034391582012,"channel":0,"num_words":1,"start":2108.51,"end":2109.01},{"sentences":[{"text":"We sort","start":2108.76,"end":2109.16,"sentiment":"neutral","sentiment_score":0.035557880997657776}],"sentiment":"neutral","sentiment_score":0.035557880997657776,"channel":1,"num_words":2,"start":2108.76,"end":2109.16},{"sentences":[{"text":"Okay.","start":2109.15,"end":2109.65,"sentiment":"neutral","sentiment_score":0.0382411926984787}],"sentiment":"neutral","sentiment_score":0.0382411926984787,"channel":0,"num_words":1,"start":2109.15,"end":2109.65},{"sentences":[{"text":"of have time, you know, if you're looking well, if we said 65 or I've only just turned 56 and and that.","start":2109.16,"end":2117.0798,"sentiment":"neutral","sentiment_score":0.03682343043725599}],"sentiment":"neutral","sentiment_score":0.03682343043725599,"channel":1,"num_words":22,"start":2109.16,"end":2117.0798},{"sentences":[{"text":"Yep.","start":2116.91,"end":2117.115,"sentiment":"neutral","sentiment_score":0.04336382821202278}],"sentiment":"neutral","sentiment_score":0.04336382821202278,"channel":0,"num_words":1,"start":2116.91,"end":2117.115},{"sentences":[{"text":"So we've got, like, that that sort of period of time.","start":2117.0798,"end":2119.8198,"sentiment":"neutral","sentiment_score":-0.0604219412939115}],"sentiment":"neutral","sentiment_score":-0.0604219412939115,"channel":1,"num_words":11,"start":2117.0798,"end":2119.8198},{"sentences":[{"text":"Yep.","start":2120.315,"end":2120.795,"sentiment":"neutral","sentiment_score":0.12596850097179413},{"text":"Okay.","start":2120.795,"end":2121.295,"sentiment":"neutral","sentiment_score":0.1191285252571106},{"text":"Alright.","start":2121.435,"end":2121.935,"sentiment":"neutral","sentiment_score":0.14102280139923096},{"text":"So no right or wrong answer.","start":2121.9949,"end":2123.755,"sentiment":"neutral","sentiment_score":-0.1143611545364062},{"text":"You can both have different answers, and I will keep it as brief as I can.","start":2123.755,"end":2130.255,"sentiment":"neutral","sentiment_score":0.07414056966081262}],"sentiment":"neutral","sentiment_score":0.03544808059930801,"channel":0,"num_words":25,"start":2120.315,"end":2130.255},{"sentences":[{"text":"We so the first question is, what is the most aggressive investment you have ever made?","start":2130.9202,"end":2135.6602,"sentiment":"neutral","sentiment_score":0.10704253241419792},{"text":"Has it been direct shares, managed funds, investment property, your own home, or a higher interest interest bank account.","start":2136.36,"end":2144.165,"sentiment":"neutral","sentiment_score":0.04298747272083634}],"sentiment":"neutral","sentiment_score":0.07226978572351592,"channel":0,"num_words":35,"start":2130.9202,"end":2144.165},{"sentences":[{"text":"Just the investment property, I guess.","start":2146.1602,"end":2147.68,"sentiment":"neutral","sentiment_score":0.0459229356298844},{"text":"Let's see.","start":2147.68,"end":2148.08,"sentiment":"neutral","sentiment_score":0.04592031612992287},{"text":"Anything we've done?","start":2148.08,"end":2148.72,"sentiment":"neutral","sentiment_score":0.04083997383713722}],"sentiment":"neutral","sentiment_score":0.044536197050051254,"channel":1,"num_words":11,"start":2146.1602,"end":2148.72},{"sentences":[{"text":"Yep.","start":2148.625,"end":2149.125,"sentiment":"neutral","sentiment_score":0.04575544595718384}],"sentiment":"neutral","sentiment_score":0.04575544595718384,"channel":0,"num_words":1,"start":2148.625,"end":2149.125},{"sentences":[{"text":"We haven't done anything else.","start":2148.72,"end":2150.18,"sentiment":"neutral","sentiment_score":-0.03923102766275406}],"sentiment":"neutral","sentiment_score":-0.03923102766275406,"channel":1,"num_words":5,"start":2148.72,"end":2150.18},{"sentences":[{"text":"Yep.","start":2150.625,"end":2151.0251,"sentiment":"neutral","sentiment_score":0.13907290995121002},{"text":"That's fine.","start":2151.0251,"end":2151.845,"sentiment":"neutral","sentiment_score":0.28116336464881897},{"text":"Once investments have been placed, and we're talking about your superannuation here, how long would you how long would it be before you would need to access it?","start":2153.5051,"end":2163.0,"sentiment":"neutral","sentiment_score":0.003824278778795685},{"text":"Longer than ten years, between seven to nine years, or between four to six, two to three, and less than two?","start":2163.0,"end":2170.635,"sentiment":"neutral","sentiment_score":-0.06935411159481321}],"sentiment":"neutral","sentiment_score":-0.012460709585306736,"channel":0,"num_words":52,"start":2150.625,"end":2170.635},{"sentences":[{"text":"Well, I guess it's for me, it's that sort of around the ten year mark.","start":2171.21,"end":2175.31,"sentiment":"neutral","sentiment_score":-0.06929248223702113}],"sentiment":"neutral","sentiment_score":-0.06929248223702113,"channel":1,"num_words":15,"start":2171.21,"end":2175.31},{"sentences":[{"text":"Yep.","start":2175.9749,"end":2176.4749,"sentiment":"neutral","sentiment_score":0.029698695987462997},{"text":"What about yourself, Kim?","start":2176.775,"end":2178.155,"sentiment":"neutral","sentiment_score":0.0015538232401013366}],"sentiment":"neutral","sentiment_score":0.007182797789573668,"channel":0,"num_words":5,"start":2175.9749,"end":2178.155},{"sentences":[{"text":"Yeah.","start":2178.565,"end":2178.805,"sentiment":"neutral","sentiment_score":-0.025325827300548553},{"text":"About ten years until I I mean, I've got too tired early, but it's gonna happen.","start":2178.805,"end":2183.1448,"sentiment":"neutral","sentiment_score":-0.1653875121846795},{"text":"So","start":2183.2048,"end":2183.4448,"sentiment":"neutral","sentiment_score":-0.0479046069085598}],"sentiment":"neutral","sentiment_score":-0.15107947939799893,"channel":1,"num_words":18,"start":2178.565,"end":2183.4448},{"sentences":[{"text":"Me too.","start":2185.05,"end":2185.69,"sentiment":"neutral","sentiment_score":-0.0606450866907835},{"text":"Me too.","start":2185.69,"end":2186.43,"sentiment":"neutral","sentiment_score":-0.026986856944859028},{"text":"Okay.","start":2188.65,"end":2189.15,"sentiment":"neutral","sentiment_score":-0.01101066917181015},{"text":"So the next question is inflation means things are getting more expensive over time, which makes our money worth less or today's money worth less.","start":2189.77,"end":2198.305,"sentiment":"neutral","sentiment_score":-0.14148075878620148},{"text":"How much risk are you willing to take to keep up with rising prices?","start":2198.6848,"end":2202.4648,"sentiment":"neutral","sentiment_score":-0.11266413650342397}],"sentiment":"neutral","sentiment_score":-0.12046798720786517,"channel":0,"num_words":44,"start":2185.05,"end":2202.4648},{"sentences":[{"text":"Are you willing to accept a very high risk to outpace relation inflation?","start":2203.565,"end":2208.7048,"sentiment":"neutral","sentiment_score":-0.15568931114215118},{"text":"A high risk to outpace inflation.","start":2211.15,"end":2213.57,"sentiment":"neutral","sentiment_score":-0.16618707279364267},{"text":"Moderate, a small amount, or no risk.","start":2213.8699,"end":2217.73,"sentiment":"neutral","sentiment_score":-0.027676829802138463}],"sentiment":"neutral","sentiment_score":-0.12364697270095348,"channel":0,"num_words":26,"start":2203.565,"end":2217.73},{"sentences":[{"text":"Oh, moderate amount.","start":2219.84,"end":2220.9802,"sentiment":"neutral","sentiment_score":0.006148520236214002}],"sentiment":"neutral","sentiment_score":0.006148520236214002,"channel":1,"num_words":3,"start":2219.84,"end":2220.9802},{"sentences":[{"text":"Mhmm.","start":2222.67,"end":2223.17,"sentiment":"neutral","sentiment_score":0.0036255065351724625},{"text":"What about","start":2223.8699,"end":2224.485,"sentiment":"neutral","sentiment_score":-0.01652424968779087}],"sentiment":"neutral","sentiment_score":-0.009807664280136427,"channel":0,"num_words":3,"start":2222.67,"end":2224.485},{"sentences":[{"text":"Yeah.","start":2224.4001,"end":2224.6401,"sentiment":"neutral","sentiment_score":-0.011010782793164252}],"sentiment":"neutral","sentiment_score":-0.011010782793164252,"channel":1,"num_words":1,"start":2224.4001,"end":2224.6401},{"sentences":[{"text":"yourself,","start":2224.485,"end":2224.8052,"sentiment":"neutral","sentiment_score":-0.005285531282424927}],"sentiment":"neutral","sentiment_score":-0.005285531282424927,"channel":0,"num_words":1,"start":2224.485,"end":2224.8052},{"sentences":[{"text":"Moderate","start":2224.6401,"end":2225.1401,"sentiment":"neutral","sentiment_score":0.030154982581734657}],"sentiment":"neutral","sentiment_score":0.030154982581734657,"channel":1,"num_words":1,"start":2224.6401,"end":2225.1401},{"sentences":[{"text":"Kim?","start":2224.8052,"end":2225.3052,"sentiment":"neutral","sentiment_score":-0.00981234572827816}],"sentiment":"neutral","sentiment_score":-0.00981234572827816,"channel":0,"num_words":1,"start":2224.8052,"end":2225.3052},{"sentences":[{"text":"to high.","start":2225.2002,"end":2225.52,"sentiment":"neutral","sentiment_score":-0.061067573726177216},{"text":"I mean, with our rates, we can still do a little bit of risk.","start":2225.52,"end":2230.02,"sentiment":"neutral","sentiment_score":-0.07053641948316779}],"sentiment":"neutral","sentiment_score":-0.06935281376354396,"channel":1,"num_words":16,"start":2225.2002,"end":2230.02},{"sentences":[{"text":"Yep.","start":2230.725,"end":2231.225,"sentiment":"neutral","sentiment_score":0.02670255675911903},{"text":"So are you saying hi?","start":2231.365,"end":2233.0652,"sentiment":"neutral","sentiment_score":0.018841515854001047}],"sentiment":"neutral","sentiment_score":0.020151689338187378,"channel":0,"num_words":6,"start":2230.725,"end":2233.0652},{"sentences":[{"text":"Yeah.","start":2234.235,"end":2234.555,"sentiment":"neutral","sentiment_score":0.025001853704452515},{"text":"Hi.","start":2234.555,"end":2235.055,"sentiment":"neutral","sentiment_score":0.044370830059051514}],"sentiment":"neutral","sentiment_score":0.034686341881752014,"channel":1,"num_words":2,"start":2234.235,"end":2235.055},{"sentences":[{"text":"Yep.","start":2235.685,"end":2236.165,"sentiment":"neutral","sentiment_score":0.04321824014186859},{"text":"And, Andrew, you're 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thing.","start":2240.635,"end":2244.895,"sentiment":"neutral","sentiment_score":-0.003204002710325377}],"sentiment":"neutral","sentiment_score":-0.001074608678565077,"channel":1,"num_words":23,"start":2238.795,"end":2244.895},{"sentences":[{"text":"Yep.","start":2244.42,"end":2244.92,"sentiment":"neutral","sentiment_score":0.046082980930805206}],"sentiment":"neutral","sentiment_score":0.046082980930805206,"channel":0,"num_words":1,"start":2244.42,"end":2244.92},{"sentences":[{"text":"So yep.","start":2244.9,"end":2246.0498,"sentiment":"neutral","sentiment_score":0.03077591396868229}],"sentiment":"neutral","sentiment_score":0.03077591396868229,"channel":1,"num_words":2,"start":2244.9,"end":2246.0498},{"sentences":[{"text":"Okay.","start":2245.62,"end":2246.12,"sentiment":"neutral","sentiment_score":0.0497460812330246},{"text":"Okay.","start":2247.22,"end":2247.72,"sentiment":"neutral","sentiment_score":0.03111724928021431},{"text":"If in the next six months after investing, you found out that your portfolio decreased by 20% due to the general trends in the financial market, so that's being that chart I showed you, the general trends,","start":2249.14,"end":2261.135,"sentiment":"neutral","sentiment_score":-0.09125587726766998}],"sentiment":"neutral","sentiment_score":-0.08450266995873207,"channel":0,"num_words":39,"start":2245.62,"end":2261.135},{"sentences":[{"text":"Yep.","start":2260.915,"end":2261.415,"sentiment":"neutral","sentiment_score":-0.020338237285614017}],"sentiment":"neutral","sentiment_score":-0.020338237285614017,"channel":1,"num_words":1,"start":2260.915,"end":2261.415},{"sentences":[{"text":"would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses?","start":2262.155,"end":2274.8901,"sentiment":"neutral","sentiment_score":0.015226448713629335}],"sentiment":"neutral","sentiment_score":0.015226448713629335,"channel":0,"num_words":27,"start":2262.155,"end":2274.8901},{"sentences":[{"text":"Oh, I think it was to get someone's opinion on an expert.","start":2276.3,"end":2280.3,"sentiment":"neutral","sentiment_score":-0.08321108700086673},{"text":"I have no idea what you're talking about.","start":2280.3,"end":2282.24,"sentiment":"neutral","sentiment_score":-0.2015125434845686},{"text":"Yeah.","start":2282.54,"end":2282.78,"sentiment":"neutral","sentiment_score":-0.01962926983833313},{"text":"And that's the","start":2282.78,"end":2283.3398,"sentiment":"neutral","sentiment_score":-0.008040699797372023}],"sentiment":"neutral","sentiment_score":-0.11059936504655828,"channel":1,"num_words":24,"start":2276.3,"end":2283.3398},{"sentences":[{"text":"Yep.","start":2283.325,"end":2283.825,"sentiment":"neutral","sentiment_score":-0.000013722727999265771}],"sentiment":"neutral","sentiment_score":-0.000013722727999265771,"channel":0,"num_words":1,"start":2283.325,"end":2283.825},{"sentences":[{"text":"thing.","start":2283.3398,"end":2283.58,"sentiment":"neutral","sentiment_score":-0.01044732704758644},{"text":"It's it's We don't know what we're talking about.","start":2283.58,"end":2285.605,"sentiment":"neutral","sentiment_score":-0.07438822463154793},{"text":"That's why we get someone to do it.","start":2285.605,"end":2287.3848,"sentiment":"neutral","sentiment_score":-0.02985922317020595}],"sentiment":"neutral","sentiment_score":-0.051045285227398075,"channel":1,"num_words":18,"start":2283.3398,"end":2287.3848},{"sentences":[{"text":"Yep.","start":2287.7249,"end":2288.2249,"sentiment":"neutral","sentiment_score":0.007694048807024956},{"text":"So do you think you would hold and wait?","start":2288.4448,"end":2290.785,"sentiment":"neutral","sentiment_score":-0.007493067325817214}],"sentiment":"neutral","sentiment_score":-0.005974355712532997,"channel":0,"num_words":10,"start":2287.7249,"end":2290.785},{"sentences":[{"text":"Yeah.","start":2291.125,"end":2291.4448,"sentiment":"neutral","sentiment_score":-0.0008395649492740631},{"text":"Probably","start":2291.4448,"end":2291.845,"sentiment":"neutral","sentiment_score":-0.004691534675657749}],"sentiment":"neutral","sentiment_score":-0.002765549812465906,"channel":1,"num_words":2,"start":2291.125,"end":2291.845},{"sentences":[{"text":"Or","start":2291.4849,"end":2291.885,"sentiment":"neutral","sentiment_score":-0.011428124271333218}],"sentiment":"neutral","sentiment_score":-0.011428124271333218,"channel":0,"num_words":1,"start":2291.4849,"end":2291.885},{"sentences":[{"text":"hold","start":2291.845,"end":2292.085,"sentiment":"neutral","sentiment_score":-0.008063951507210732}],"sentiment":"neutral","sentiment_score":-0.008063951507210732,"channel":1,"num_words":1,"start":2291.845,"end":2292.085},{"sentences":[{"text":"or","start":2291.885,"end":2292.385,"sentiment":"neutral","sentiment_score":-0.01013091579079628}],"sentiment":"neutral","sentiment_score":-0.01013091579079628,"channel":0,"num_words":1,"start":2291.885,"end":2292.385},{"sentences":[{"text":"on, mate.","start":2292.085,"end":2292.7449,"sentiment":"neutral","sentiment_score":-0.0013923354563303292},{"text":"Yep.","start":2293.125,"end":2293.625,"sentiment":"neutral","sentiment_score":0.018643822520971295}],"sentiment":"neutral","sentiment_score":0.005286383869436879,"channel":1,"num_words":3,"start":2292.085,"end":2293.625},{"sentences":[{"text":"yeah.","start":2293.325,"end":2293.825,"sentiment":"neutral","sentiment_score":0.008755485527217388},{"text":"Or hold and get seek advice?","start":2294.605,"end":2296.625,"sentiment":"neutral","sentiment_score":0.0004026431900759538}],"sentiment":"neutral","sentiment_score":0.0015959063810961588,"channel":0,"num_words":7,"start":2293.325,"end":2296.625},{"sentences":[{"text":"Take advice.","start":2296.805,"end":2297.4648,"sentiment":"neutral","sentiment_score":0.019940885715186596}],"sentiment":"neutral","sentiment_score":0.019940885715186596,"channel":1,"num_words":2,"start":2296.805,"end":2297.4648},{"sentences":[{"text":"Yep.","start":2297.5598,"end":2298.0598,"sentiment":"neutral","sentiment_score":0.06285103410482407},{"text":"Yep.","start":2298.8398,"end":2299.0798,"sentiment":"neutral","sentiment_score":0.07707498967647552},{"text":"Okay.","start":2299.0798,"end":2299.5798,"sentiment":"neutral","sentiment_score":0.09974731504917143},{"text":"What kind of return do you expect to get from your investments over the long term?","start":2299.96,"end":2304.2,"sentiment":"neutral","sentiment_score":0.1422511483542621},{"text":"8% above per annum, six to eight, four to six, two to four, or zero to","start":2304.2,"end":2309.295,"sentiment":"neutral","sentiment_score":0.04987041722051799}],"sentiment":"neutral","sentiment_score":0.09467481108648436,"channel":0,"num_words":35,"start":2297.5598,"end":2309.295},{"sentences":[{"text":"I'd like to think six to eight.","start":2310.7598,"end":2312.385,"sentiment":"neutral","sentiment_score":0.02961341557758195}],"sentiment":"neutral","sentiment_score":0.02961341557758195,"channel":1,"num_words":7,"start":2310.7598,"end":2312.385},{"sentences":[{"text":"two.","start":2312.9749,"end":2313.135,"sentiment":"neutral","sentiment_score":0.03543904051184654},{"text":"Yep.","start":2313.135,"end":2313.635,"sentiment":"neutral","sentiment_score":0.05799604207277298}],"sentiment":"neutral","sentiment_score":0.04671754129230976,"channel":0,"num_words":2,"start":2312.9749,"end":2313.635},{"sentences":[{"text":"Yeah.","start":2314.305,"end":2314.545,"sentiment":"neutral","sentiment_score":0.04377308860421181},{"text":"They said, like, no more than no less than six to eight.","start":2314.545,"end":2317.445,"sentiment":"neutral","sentiment_score":0.008655594661831856}],"sentiment":"neutral","sentiment_score":0.011356940349707237,"channel":1,"num_words":13,"start":2314.305,"end":2317.445},{"sentences":[{"text":"Yep.","start":2318.015,"end":2318.4949,"sentiment":"neutral","sentiment_score":0.044176533818244934},{"text":"Okay.","start":2318.4949,"end":2318.9949,"sentiment":"neutral","sentiment_score":0.0399000346660614},{"text":"Have your investments, including superannuation, ever dropped in value, and how did it make you feel?","start":2322.81,"end":2328.59,"sentiment":"neutral","sentiment_score":-0.013643570826388896},{"text":"I think we've probably answered this question by before with","start":2328.73,"end":2332.4102,"sentiment":"neutral","sentiment_score":-0.03837324790656567}],"sentiment":"neutral","sentiment_score":-0.018498322992984737,"channel":0,"num_words":28,"start":2318.015,"end":2332.4102},{"sentences":[{"text":"Yep.","start":2332.33,"end":2332.83,"sentiment":"neutral","sentiment_score":-0.01836090348660946}],"sentiment":"neutral","sentiment_score":-0.01836090348660946,"channel":1,"num_words":1,"start":2332.33,"end":2332.83},{"sentences":[{"text":"my COVID example, but","start":2332.4102,"end":2334.35,"sentiment":"neutral","sentiment_score":-0.030752087011933327}],"sentiment":"neutral","sentiment_score":-0.030752087011933327,"channel":0,"num_words":4,"start":2332.4102,"end":2334.35},{"sentences":[{"text":"Yep.","start":2334.25,"end":2334.75,"sentiment":"neutral","sentiment_score":-0.0260810237377882}],"sentiment":"neutral","sentiment_score":-0.0260810237377882,"channel":1,"num_words":1,"start":2334.25,"end":2334.75},{"sentences":[{"text":"I have to ask anyway.","start":2335.205,"end":2336.5051,"sentiment":"neutral","sentiment_score":-0.036490049213171005},{"text":"Are you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record?","start":2336.725,"end":2348.67,"sentiment":"neutral","sentiment_score":-0.10113436097036237},{"text":"Beautiful.","start":2348.75,"end":2349.25,"sentiment":"neutral","sentiment_score":0.20808953046798703}],"sentiment":"neutral","sentiment_score":-0.07932589716952422,"channel":0,"num_words":29,"start":2335.205,"end":2349.25},{"sentences":[{"text":"Oh, no.","start":2349.665,"end":2350.145,"sentiment":"neutral","sentiment_score":-0.0003180000931024534},{"text":"Just optimistic.","start":2350.145,"end":2350.885,"sentiment":"neutral","sentiment_score":0.012568138539791107},{"text":"Obviously, prior to engaging you guys, investments are doing nothing.","start":2351.185,"end":2356.245,"sentiment":"neutral","sentiment_score":-0.03442060612142086},{"text":"So we've seen, obviously, a significant turnaround to that.","start":2356.86,"end":2359.9001,"sentiment":"neutral","sentiment_score":0.22094649655951393},{"text":"So we're we're pretty optimistic now.","start":2359.9001,"end":2362.08,"sentiment":"positive","sentiment_score":0.35108805696169537}],"sentiment":"neutral","sentiment_score":0.1301841733270678,"channel":1,"num_words":29,"start":2349.665,"end":2362.08},{"sentences":[{"text":"And the last question is, have you ever thought about taking out a loan to invest outside of an investment property?","start":2364.135,"end":2370.795,"sentiment":"neutral","sentiment_score":-0.0056510138369741895}],"sentiment":"neutral","sentiment_score":-0.0056510138369741895,"channel":0,"num_words":21,"start":2364.135,"end":2370.795},{"sentences":[{"text":"No.","start":2371.58,"end":2371.9802,"sentiment":"neutral","sentiment_score":-0.10561023652553558},{"text":"No.","start":2371.9802,"end":2372.475,"sentiment":"neutral","sentiment_score":-0.08185186982154846}],"sentiment":"neutral","sentiment_score":-0.09373105317354202,"channel":1,"num_words":2,"start":2371.58,"end":2372.475},{"sentences":[{"text":"Nope.","start":2373.095,"end":2373.595,"sentiment":"neutral","sentiment_score":-0.017159907147288322},{"text":"Beautiful.","start":2373.735,"end":2374.235,"sentiment":"neutral","sentiment_score":0.14047890901565552},{"text":"Okay.","start":2374.935,"end":2375.435,"sentiment":"neutral","sentiment_score":0.13592100143432617},{"text":"So you've actually scored as growth 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Andrew.","start":2470.95,"end":2473.69,"sentiment":"neutral","sentiment_score":0.16230187378823757}],"sentiment":"neutral","sentiment_score":0.14969131856092385,"channel":0,"num_words":28,"start":2458.125,"end":2473.69},{"sentences":[{"text":"Yep.","start":2474.18,"end":2474.68,"sentiment":"neutral","sentiment_score":0.12766489386558533}],"sentiment":"neutral","sentiment_score":0.12766489386558533,"channel":1,"num_words":1,"start":2474.18,"end":2474.68},{"sentences":[{"text":"Yep.","start":2475.2698,"end":2475.765,"sentiment":"neutral","sentiment_score":0.16864672303199768},{"text":"It's basically confirming what we discussed on the cover page.","start":2476.005,"end":2480.325,"sentiment":"neutral","sentiment_score":0.23636760413646699},{"text":"It's just the certificate of 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for","start":2488.8098,"end":2489.93,"sentiment":"neutral","sentiment_score":0.1598164290189743}],"sentiment":"neutral","sentiment_score":0.1704181453420056,"channel":0,"num_words":18,"start":2482.2449,"end":2489.93},{"sentences":[{"text":"Yep.","start":2489.8125,"end":2490.3125,"sentiment":"neutral","sentiment_score":0.1645858734846115}],"sentiment":"neutral","sentiment_score":0.1645858734846115,"channel":1,"num_words":1,"start":2489.8125,"end":2490.3125},{"sentences":[{"text":"yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information.","start":2489.93,"end":2499.39,"sentiment":"neutral","sentiment_score":0.18565137801985993}],"sentiment":"neutral","sentiment_score":0.18565137801985993,"channel":0,"num_words":19,"start":2489.93,"end":2499.39},{"sentences":[{"text":"Oh, I didn't oh, is that no.","start":2498.97,"end":2500.97,"sentiment":"neutral","sentiment_score":-0.0924462668065514},{"text":"I didn't have 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if you have any questions, please, again, in the meantime, just give me a call.","start":3263.575,"end":3267.595,"sentiment":"neutral","sentiment_score":0.2205615621060133},{"text":"Otherwise,","start":3267.815,"end":3268.295,"sentiment":"neutral","sentiment_score":0.11169064044952393}],"sentiment":"neutral","sentiment_score":0.29568188935518264,"channel":0,"num_words":20,"start":3261.19,"end":3268.295},{"sentences":[{"text":"Yep.","start":3268.0398,"end":3268.5398,"sentiment":"neutral","sentiment_score":0.25706619024276733}],"sentiment":"neutral","sentiment_score":0.25706619024276733,"channel":1,"num_words":1,"start":3268.0398,"end":3268.5398},{"sentences":[{"text":"I look forward to speaking to you both in about two weeks.","start":3268.295,"end":3271.5151,"sentiment":"positive","sentiment_score":0.5015667701760927}],"sentiment":"positive","sentiment_score":0.5015667701760927,"channel":0,"num_words":12,"start":3268.295,"end":3271.5151},{"sentences":[{"text":"No worries.","start":3271.72,"end":3272.3599,"sentiment":"neutral","sentiment_score":0.31462933123111725},{"text":"Not a problem.","start":3272.3599,"end":3273.045,"sentiment":"positive","sentiment_score":0.5585231184959412}],"sentiment":"positive","sentiment_score":0.4609656035900116,"channel":1,"num_words":5,"start":3271.72,"end":3273.045},{"sentences":[{"text":"Beautiful.","start":3273.815,"end":3274.315,"sentiment":"positive","sentiment_score":0.8438774943351746}],"sentiment":"positive","sentiment_score":0.8438774943351746,"channel":0,"num_words":1,"start":3273.815,"end":3274.315},{"sentences":[{"text":"Thank you.","start":3274.005,"end":3274.7449,"sentiment":"positive","sentiment_score":0.856452465057373}],"sentiment":"positive","sentiment_score":0.856452465057373,"channel":1,"num_words":2,"start":3274.005,"end":3274.7449},{"sentences":[{"text":"Thank you so much.","start":3274.375,"end":3275.4028,"sentiment":"positive","sentiment_score":0.8733734786510468},{"text":"Have a awesome evening.","start":3275.6428,"end":3276.9429,"sentiment":"positive","sentiment_score":0.8069084584712982}],"sentiment":"positive","sentiment_score":0.8401409685611725,"channel":0,"num_words":8,"start":3274.375,"end":3276.9429},{"sentences":[{"text":"Alright.","start":3277.4448,"end":3277.9448,"sentiment":"positive","sentiment_score":0.44744229316711426}],"sentiment":"positive","sentiment_score":0.44744229316711426,"channel":1,"num_words":1,"start":3277.4448,"end":3277.9448},{"sentences":[{"text":"Okay.","start":3278.9229,"end":3279.4229,"sentiment":"positive","sentiment_score":0.36579176783561707},{"text":"Bye.","start":3279.6428,"end":3280.1428,"sentiment":"neutral","sentiment_score":0.24407166242599487}],"sentiment":"neutral","sentiment_score":0.30493171513080597,"channel":0,"num_words":2,"start":3278.9229,"end":3280.1428},{"sentences":[{"text":"Bye.","start":3280.085,"end":3280.585,"sentiment":"neutral","sentiment_score":0.19523954391479492}],"sentiment":"neutral","sentiment_score":0.19523954391479492,"channel":1,"num_words":1,"start":3280.085,"end":3280.585},{"sentences":[{"text":"Bye.","start":3281.0828,"end":3281.5828,"sentiment":"neutral","sentiment_score":-0.1007021814584732}],"sentiment":"neutral","sentiment_score":-0.1007021814584732,"channel":0,"num_words":1,"start":3281.0828,"end":3281.5828}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses the customer's personal and financial situation, including retirement plans, employment, expenses, and expenses. They also discuss updating records and insurance goals, personal and estate planning, and updating policies. The speaker emphasizes the importance of keeping a portfolio in mind and recommends a gross risk profile to protect against losses. The agent explains the process for updating coverage information and offers to help with any questions. The fee structure is based on a percent, but it is set as an annual fee. The agent explains the process of adjusting risk profiles and investing in the portfolio, and sends a calendar invite for the customer to sign consent forms and make changes to their portfolio."},"intents":{"segments":[{"text":"Is Kim with you? Yep.","start_word":121,"end_word":125,"intents":[{"intent":"Confirm identity","confidence_score":0.33968443}]},{"text":"But, Kim, can I please ask you to provide your full name, date of birth, and address, please? Yeah.","start_word":159,"end_word":177,"intents":[{"intent":"Provide details","confidence_score":0.02301224}]},{"text":"How are you going with the knee recovery? it's going.","start_word":212,"end_word":221,"intents":[{"intent":"Check health","confidence_score":0.007599099}]},{"text":"With part of the annual review, what I'd like to do to just start with is just check-in with you both and see if there are any significant changes to your personal or financial situation that we need to focus on?","start_word":248,"end_word":288,"intents":[{"intent":"Clarify goals","confidence_score":0.00057837705}]},{"text":"So I'm managing a house build for a client, and I've also started as a building and facilities manager at a private school, which is the Yep. school that Kim works at. Yeah.","start_word":319,"end_word":351,"intents":[{"intent":"Discuss job experience","confidence_score":0.00034402363}]},{"text":"So I've got you as a carpenter. So this the house build, are you employed full time contracting to Yep. them?","start_word":544,"end_word":564,"intents":[{"intent":"Confirm employment details","confidence_score":0.0011902478}]},{"text":"And how much are you earning from that?","start_word":584,"end_word":591,"intents":[{"intent":"Confirm income","confidence_score":0.109046005}]},{"text":"And how much are you earning from that? Well, it'll like, it depends on how much at any given time, but I guess from this financial year onwards with my other job, I'll still be looking at probably earning around about a 100 to 110,000. Okay. Okay.","start_word":584,"end_word":630,"intents":[{"intent":"Confirm salary","confidence_score":0.010059019}]},{"text":"So with your estate planning, have you both managed to get your wills and powers of attorney drawn up yet? Yes.","start_word":1010,"end_word":1030,"intents":[{"intent":"Update wills and powers of attorney","confidence_score":0.7712479},{"intent":"Update wills and powers of attorney","confidence_score":0.052889112}]},{"text":"Now with your goals and objectives, I just wanna touch over those to make sure that they're still relevant because over time, we do see that some of them are completed, are not relevant anymore, and we need to update them.","start_word":1184,"end_word":1224,"intents":[{"intent":"Assist with goals and objectives","confidence_score":0.0006199085}]},{"text":"still have some we still have some construction to do, but the tiny home is done.","start_word":1280,"end_word":1295,"intents":[{"intent":"Complete construction","confidence_score":0.09838005}]},{"text":"We still have some more concreting to do. We have a veranda to build, and we have retaining walls to build. Alright.","start_word":1297,"end_word":1318,"intents":[{"intent":"Retain walls","confidence_score":0.017798446}]},{"text":"And with the investment property, you have both said that you would like the investment properties pay the property paid off and being debt free and to do Not some the investment.","start_word":1334,"end_word":1365,"intents":[{"intent":"Discuss investment property","confidence_score":0.0025518716}]},{"text":"You Kim, on your policy, you your beneficiary is Andrew, but it's Yep. actually a a lapsing one, which means you've gotta renew it every three years. Oh, can you change that? I was gonna suggest did you wanna look at changing that to non lapsing? Yeah. Yeah.","start_word":1757,"end_word":1804,"intents":[{"intent":"Verify policy changes","confidence_score":0.0017018038}]},{"text":"Well, it might it's probably more so just considering how we facilitate that as we get closer to retirement. So if if over the next probably the next twelve months and the review cycle, have a have a think I know that paying down your home is a priority and how you plan on achieving that, but we can start to look at building out plans for retirement in the next couple of years to help you track and see how you are tracking towards that Yes.","start_word":2089,"end_word":2175,"intents":[{"intent":"Facilitate retirement planning","confidence_score":0.004085308}]},{"text":"By clicking on that, you're just opening up some documents that we're gonna run through.","start_word":2455,"end_word":2469,"intents":[{"intent":"Open documents","confidence_score":0.10729111}]},{"text":"And I'm gonna try my best to guess in what order the documents are in because when we do a couple, sometimes they're out of order. So Yep.","start_word":2486,"end_word":2513,"intents":[{"intent":"Verify order","confidence_score":0.007647846}]},{"text":"It should you should be able to access both documents, yours and Kim's, just through the one email. It's just that when you go to sign, you'll each have to sign from your own email. Okay.","start_word":2553,"end_word":2588,"intents":[{"intent":"Access documents","confidence_score":0.7497466},{"intent":"Access documents","confidence_score":0.08500672}]},{"text":"And then you'll also have the funds from superannuation should anything happen to Yep. Andrew.","start_word":2732,"end_word":2746,"intents":[{"intent":"Explain fund","confidence_score":0.0005728633}]},{"text":"And then you'll also have the funds from superannuation should anything happen to Yep. Andrew. Is that sufficient for you both? Yep.","start_word":2732,"end_word":2753,"intents":[{"intent":"Confirm superannuation funds","confidence_score":0.00008801721}]},{"text":"And, Andrew, your income protection policy, the sum insured sits at just over $4,500 a month with a thirty day waiting period and a two year benefit period, Mhmm. and that both all those policies are funded from super your superannuation. Yep.","start_word":2757,"end_word":2798,"intents":[{"intent":"Explain income protection policy","confidence_score":0.047164876}]},{"text":"So I'm gonna navigate through a few screens here. And the next document I'm hoping is a cover page for Kim. Yes.","start_word":2852,"end_word":2873,"intents":[{"intent":"Provide support page","confidence_score":0.00020724662},{"intent":"Navigate screens","confidence_score":0.6733796},{"intent":"Navigate portfolios","confidence_score":0.0119451415}]},{"text":"And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid. Nothing Yep.","start_word":3169,"end_word":3195,"intents":[{"intent":"Review portfolios and compare investments","confidence_score":0.0001093012}]},{"text":"It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio. Yep.","start_word":3394,"end_word":3413,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.040033847}]},{"text":"Like, what is the risk if we went a bit more? The risk Like, what so what's if you wanna the look norm? Like, what what do most people do? look. Like, considering There's no we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to, yep. like, ten years. What would you suggest?","start_word":4055,"end_word":4118,"intents":[{"intent":"Analyze portfolio risk","confidence_score":0.054381758}]},{"text":"So I'd ask you a few questions So I'll explain what the next one up is.","start_word":4127,"end_word":4142,"intents":[{"intent":"Explain plan","confidence_score":0.0032377478},{"intent":"Explain plan","confidence_score":0.040278986},{"intent":"Explain timeline","confidence_score":0.011755759}]},{"text":"Your return, you're looking at about seven to nine averaged out. You're still experiencing probably one in every five years as a negative return with that volatility level being 11%. So another 3% in variance and at least a minimum of a six year time frame.","start_word":4210,"end_word":4255,"intents":[{"intent":"Analyze outcomes","confidence_score":0.00057979906}]},{"text":"What was your reaction to that?","start_word":4297,"end_word":4302,"intents":[{"intent":"Understand reaction","confidence_score":0.0068626045}]},{"text":"What was your reaction to that? We didn't really worry about it. Yeah. We didn't. Knew it was all managed, and we knew we Yep. still had this, and it is what it is. Yep. Yep. Yep. Okay. So that that response there tells me that you probably can tolerate a little bit more risk. Yep.","start_word":4297,"end_word":4352,"intents":[{"intent":"Explain response","confidence_score":0.15564235}]},{"text":"So that that response there tells me that you probably can tolerate a little bit more risk. Yep.","start_word":4335,"end_word":4352,"intents":[{"intent":"Understand tolerance","confidence_score":0.109352306},{"intent":"Tolerance to risk","confidence_score":0.00075143436}]},{"text":"There's a couple of there is a formality that I have to complete to be able to make a recommendation. Do you have I don't it'll only take a couple of minutes. Yep.","start_word":4353,"end_word":4385,"intents":[{"intent":"Complete formality","confidence_score":0.48811677}]},{"text":"So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle. So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks.","start_word":4527,"end_word":4591,"intents":[{"intent":"Assist superannuation funds","confidence_score":0.0001066817}]},{"text":"would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses?","start_word":5210,"end_word":5236,"intents":[{"intent":"Review investment decisions","confidence_score":0.000157742}]},{"text":"What it means is that your policy is enforced, paid, and in place. And the next one for Yep. yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information.","start_word":5690,"end_word":5727,"intents":[{"intent":"Confirm policy and policy status","confidence_score":0.00031759887}]},{"text":"Andrew, your annual fee, even though it's a percent based fee, what we do is it's fixed. So it will be based on the one balance and then deducted monthly. So that works out to be $225.89 a month.","start_word":6164,"end_word":6202,"intents":[{"intent":"Confirm fee arrangement","confidence_score":0.040014878}]},{"text":"So we've changed our fee structure to be it's based on a calculated on a percent, but then it's set as an annual fee. Yep.","start_word":6272,"end_word":6296,"intents":[{"intent":"Change fee structure","confidence_score":0.013120985},{"intent":"Clarify fee structure","confidence_score":0.15436989}]},{"text":"And then the remainder, you depending on the time frame, you may not want to put into superannuation if you're unable to access it for still another couple of years.","start_word":6862,"end_word":6891,"intents":[{"intent":"Expedite superannuation.","confidence_score":4.4732968e-7}]},{"text":"so that Yep. Then we'll chat we'll change it to a non lapse thing so it doesn't lapse. Yep.","start_word":7283,"end_word":7301,"intents":[{"intent":"Clarify document format","confidence_score":3.1582158e-7}]}]},"sentiments":{"segments":[{"text":"Thank you. Thank you.","start_word":0,"end_word":3,"sentiment":"positive","sentiment_score":0.5458424687385559},{"text":"Hello. Andrew speaking. Hi, Andrew. It's Jenna here finding from Oakview Financial. How are you today?","start_word":4,"end_word":19,"sentiment":"neutral","sentiment_score":0.22272156178951263},{"text":"I'm good. Thank you. That's good.","start_word":20,"end_word":25,"sentiment":"positive","sentiment_score":0.5938143730163574},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. Yep. Yeah. And, Andrew, just before I do go any further, I just need to get you to confirm your full name, date of birth, and address, please. Andrew Robert Hearn. 09/17/1970. 21 Warragile Place, Malowa Bay, New South Wales 2536.","start_word":26,"end_word":93,"sentiment":"neutral","sentiment_score":0.032947149127721786},{"text":"Fantastic. Thank you for that.","start_word":94,"end_word":98,"sentiment":"positive","sentiment_score":0.5936208963394165},{"text":"I'm just phoning for yours and Kim's annual review. Do you have time Yep. to do that now? Yep. Yeah? Oh, wonderful. Is Kim with you? Yep. She's just here. Yeah. I just need to I I have to ID Kim as well just to make sure that I'm speaking with the right people even though I called Yeah. you. But, Kim, can I please ask you to provide your full name, date of birth, and address, please? Yeah. King Marie Hearn, first of the eight seventy two, twenty one Marlborough Place in Little Bay.","start_word":99,"end_word":193,"sentiment":"neutral","sentiment_score":0.047526344656944275},{"text":"Lovely. Thank you, Kim.","start_word":194,"end_word":197,"sentiment":"positive","sentiment_score":0.4238843023777008},{"text":"Okay. How are you both doing today? Yeah. Good day. Yeah? That's Oh, good. How are you going with the knee recovery? it's going. Yeah. It's only been three weeks, but yeah. Yep. Oh, Starting that's to good. yep. Progress is progress, so that's Yep. good. That's right. Okay. Alright. With part of the annual review, what I'd like to do to just start with is just check-in with you both and see if there are any significant changes to your personal or financial situation that we need to focus on? There is on my side, not so much Yeah. on Kim. So I've Yep. changed jobs. Yep. So I have a couple of things on at the moment. Mhmm. So I'm managing a house build for a client, and I've also started as a building and facilities manager at a private school, which is the Yep. school that Kim works at. Yeah. And once I finish this house build, which will probably be towards the end of next year, I will then Yep. be full time at the school. Okay. Okay. I'm just making some notes on that.","start_word":198,"end_word":386,"sentiment":"neutral","sentiment_score":0.07408900298769512},{"text":"Beautiful.","start_word":387,"end_word":387,"sentiment":"positive","sentiment_score":0.5706609487533569},{"text":"Alright. Made a note. So when I get down to the occupation side of things, I can just ask a couple more questions, Yep. but that is fine. Now sorry. I'm on the wrong page. There we go. Okay. So what I wanna do, Andrew, I might start with you, is just quickly run through the details that I have on file to make sure that it's all still relevant and correct. And then, Kim, I'll do the same with yourself. Yes. With I've got no financial dependence listed here for you both, but you do you have children adult children? Yeah. We have adult children. Yeah? How many? Two? Yep. Okay.","start_word":388,"end_word":499,"sentiment":"neutral","sentiment_score":0.0774598941206932},{"text":"Lovely.","start_word":500,"end_word":500,"sentiment":"positive","sentiment_score":0.44383829832077026},{"text":"One does live on our property in a tiny home. Yeah. Okay. And Yeah. he's actually just going through the process of joining up with you guys. Oh, okay.","start_word":501,"end_word":529,"sentiment":"neutral","sentiment_score":0.2040652483701706},{"text":"Lovely. Oh, that's good. It's always good to start early. Get ahead.","start_word":530,"end_word":541,"sentiment":"positive","sentiment_score":0.5631104707717896},{"text":"Yeah. Okay. So I've got you as a carpenter. So this the house build, are you employed full time contracting to Yep. them? Oh, I'm just contracting to them as a, like a sole trader, as a building consultant? Yep. Yes. Okay. And how much are you earning from that? Well, it'll like, it depends on how much at any given time, but I guess from this financial year onwards with my other job, I'll still be looking at probably earning around about a 100 to 110,000. Okay. Okay. That's okay. Alright. And the super side of things, as a sole trader, are you paying yourself super? Yes. Yep. Okay. So you're And doing then the I twelfth? obviously get super put in Yep. from the Anglican College as well. Yeah.","start_word":542,"end_word":672,"sentiment":"neutral","sentiment_score":0.05683393150795507},{"text":"Lovely. Lovely.","start_word":673,"end_word":674,"sentiment":"positive","sentiment_score":0.6262252330780029},{"text":"Alright. I have your expenditure for both of you as a family recorded as $3,000 a week. Does that include any mortgage repayments? We'll have to agree, obviously. Yes. I can't Yep. remember what we did, but it would have to. It's not that much. That's Yeah. okay. Not Beautiful. not much has changed there from, like From last year. Yep. From last year. Okay. Any savings that you've been you've begun or anything like that? No. I I didn't have a lot of work at the beginning of the first part of Yep. the year until Yep. this this sort of house started. Okay. Alright. Alright. Now, Kim, I've got you down as a finance manager at Yep. St. Peter's Still Anglican the same? Club. Lovely. Yep. And your wage is 96,000. Is that right? I think it's what is it now? More like a $102,100 and 105 or something? 105. Okay. Lovely. Does that include super or plus super? A super. Plus super? Lovely. And any additional contributions to super? No. Not our not myself. Nope? Okay. Alright. And I have your home valued at 1,030,000 with a debt attached of $5.60. Does that sound right? The debt is now $5.42 or something, I think. Okay. Yeah. And, yes, it's still about the one around the one meal. Okay. Lovely. We have an investment property victory valued Yep. at $4.20 with a debt of $3.37. So debt's $3.11, Okay. and it's probably valued about 500. 500 just over. Okay.","start_word":675,"end_word":925,"sentiment":"neutral","sentiment_score":-0.013607896864414217},{"text":"Fantastic.","start_word":926,"end_word":926,"sentiment":"positive","sentiment_score":0.3918641805648804},{"text":"And we have a car here valued at $26,000. Probably only 18 now, let's say. Yep. Okay. A credit card with 6,000. Is that the balance or the debt? That's what it can get to. Yes. Okay. Do you know what the debt is against it if there's any? I think there's about 4,000 sitting on it now that was used. Right. Yep. Lovely. And we have a caravan as 45,000. Yep.","start_word":927,"end_word":998,"sentiment":"neutral","sentiment_score":0.001184517310725318},{"text":"Probably not worth it.","start_word":999,"end_word":1002,"sentiment":"negative","sentiment_score":-0.5867180824279785},{"text":"So worth 40. Yep. Okay. Alright. Sorry. So with your estate planning, have you both managed to get your wills and powers of attorney drawn up yet? Yes. We have done our will. Did we do a style of attorney Oh, in there? We did a will. Yeah. We've done a will. yep. We did quite a basic will because we sort of just Yep. well, we did a will for it. We did a will, but I don't know if we did care of it. Oh, he was clear. Yeah. I think Yeah. Yeah. Yep. Yeah. I'm pretty sure we did. So So, yes, we have a little amount. well, you are the first guys in a long time that have said yes.","start_word":1003,"end_word":1126,"sentiment":"neutral","sentiment_score":0.03725854307413101},{"text":"I'm very, very impressed.","start_word":1127,"end_word":1130,"sentiment":"positive","sentiment_score":0.6314246654510498},{"text":"The basically, all of a a what a power of attorney does is it allows someone to make decisions on your behalf while you're still alive and you're incapable of doing so. Yeah. I'm pretty sure So. we Does put that that case sound down. Yep. yep.","start_word":1131,"end_word":1177,"sentiment":"neutral","sentiment_score":0.13706335425376892},{"text":"Fantastic. I will update that.","start_word":1178,"end_word":1182,"sentiment":"positive","sentiment_score":0.4992561936378479},{"text":"Okay. Now with your goals and objectives, I just wanna touch over those to make sure that they're still relevant because over time, we do see that some of them are completed, are not relevant anymore, and we need to update them. So your first goal was noted as reducing your debt, and at the same time, you have construction happening. You're building your 17 year old son a tiny house on the property and as Yeah. So as and all also all of a that's been shed. all that's been completed. That's been completed.","start_word":1183,"end_word":1277,"sentiment":"neutral","sentiment_score":0.07425345480442047},{"text":"We Wonderful.","start_word":1278,"end_word":1279,"sentiment":"positive","sentiment_score":0.3719412088394165},{"text":"still have some we still have some construction to do, but the tiny home is done. Mhmm. We still have some more concreting to do. We have a veranda to build, and we have retaining walls to build. Alright. So we still have some external construction to do. Okay. Okay. That's okay. Alright. And with the investment property, you have both said that you would like the investment properties pay the property paid off and being debt free and to do Not some the investment. more travel I want our house paid off. your house. Okay? Yeah. I That's don't want fine. the investment doesn't matter to us because when we sell it, Yes. we'll pay it off.","start_word":1280,"end_word":1397,"sentiment":"neutral","sentiment_score":0.012903002378830715},{"text":"That's But I would what love I to own the family home.","start_word":1398,"end_word":1409,"sentiment":"positive","sentiment_score":0.35081183910369873},{"text":"yeah. That's what I thought. I thought there might have been a typing error in there somewhere. Yeah. That's a bit backwards. Yep. Makes sense to me because when I read it, I was like, oh, it's usually the other way around. Nah. And to do some more travel around Australia and internationally. Not international. I just wanna travel around Australia. Yep. Yeah? What about yourself, Andrew? Oh, the same. Just have Same? a bit more Yep. time to ourselves. Yes. I understand that. So with your superannuation, you both said you wanna get it working harder for you, but without taking too much risk. Is that still how you feel? Yep. Yep. It's been working Yeah. quite well. So, yeah, nothing really Lovely. has changed in that area. Okay. And then you have an insurance goal here that just says if you wanna be covered if anything was to happen. Yeah. Yep. Andrew is, I don't. As in the money that we are we yeah. Our insurance that we insure ourselves against? Yes. Yep. Yeah. So I Yep. wanna know that if Andrew died, then I don't have any debt. And the same if I die, he doesn't have any debt. Yep.","start_word":1410,"end_word":1612,"sentiment":"neutral","sentiment_score":0.01290364284068346},{"text":"Perfect.","start_word":1613,"end_word":1613,"sentiment":"positive","sentiment_score":0.41753721237182617},{"text":"So we'll go over those figures in not in a in a moment, to be honest with you, because it'll be in the review pack that I'm gonna send through just to see where it's sitting, that it's it's actually doing what you guys need it to do. My insurance is not with you guys because they wouldn't insure me, so I just Mhmm. saved it's my old insurer. Okay. Who's your old insurer? Resolution. Resolution? Yep. Yes. Yep.","start_word":1614,"end_word":1692,"sentiment":"neutral","sentiment_score":0.12076899681617564},{"text":"That's okay.","start_word":1693,"end_word":1694,"sentiment":"positive","sentiment_score":0.3386671245098114},{"text":"I've got we I think we do take care of it. It's just that we Yeah. didn't write the policy. So that's fine. Yep. I've got that here. Okay. So alright. I'm just having a quick look. With your review frequency, are you both happy to keep it annually? Yep. Yeah?","start_word":1695,"end_word":1745,"sentiment":"neutral","sentiment_score":0.18410108983516693},{"text":"And you have got your estate planning done, which is fantastic.","start_word":1746,"end_word":1756,"sentiment":"positive","sentiment_score":0.7101295590400696},{"text":"You Kim, on your policy, you your beneficiary is Andrew, but it's Yep. actually a a lapsing one, which means you've gotta renew it every three years. Oh, can you change that? I was gonna suggest did you wanna look at changing that to non lapsing? Yeah. Yeah. I don't know how that happened, Yep. but yeah. It's probably it was probably more just a but at an administration box ticking error because they're right next to each other whether you want it lapsing or non lapsing. So Yep. I just picked up on that when I was just running my eyes over your file and your portfolio. I think I So asked I that thought last Yeah. I think that come up last year. did it? Okay. Let me look into that a little bit further. I will make sure that form comes out to you personally. With that, do you have access to a printer, Yep. or would you yeah? Because if I can email it to you and if you can print and sign it and send it back, Yeah. that's We the can quickest way. set set up. Yep. Yeah. We can do that Okay. tonight. The computer's set up. Yep. You will need to get someone to witness it for you, though, Kim. So it can't be Andrew because he'll be the beneficiary, but you Yep. will need so you might have to do it at work. Okay. Bye bye. And yep. Just two witnesses need to. Alright. Now I'm looking at you guys are still a a little bit off retirement yet, but Yep.","start_word":1757,"end_word":2026,"sentiment":"neutral","sentiment_score":0.008948356844484806},{"text":"it's probably good to start thinking about what you do want in retirement.","start_word":2027,"end_word":2039,"sentiment":"positive","sentiment_score":0.4956464767456054},{"text":"And we don't have to have this conversation today, but if you start thinking about age of retirement, like, the ideal age I have a note here that it was the goal is age 60 with an in ideal income of $1,500 a week. Yeah.","start_word":2040,"end_word":2084,"sentiment":"neutral","sentiment_score":0.18126751482486725},{"text":"That's not gonna happen.","start_word":2085,"end_word":2088,"sentiment":"negative","sentiment_score":-0.3739272356033325},{"text":"Well, it might it's probably more so just considering how we facilitate that as we get closer to retirement. So if if over the next probably the next twelve months and the review cycle, have a have a think I know that paying down your home is a priority and how you plan on achieving that, but we can start to look at building out plans for retirement in the next couple of years to help you track and see how you are tracking towards that Yes.","start_word":2089,"end_word":2175,"sentiment":"neutral","sentiment_score":0.25526392459869385},{"text":"and see what we need to do or adjust to to get you both there.","start_word":2176,"end_word":2190,"sentiment":"positive","sentiment_score":0.3412136733531952},{"text":"Yes. Okay? So I'm going to send you an email. Do you have access to your emails at the moment? Yep. Can I just confirm the email that you have for me there now? Of course. Yes, please. Yep. So Yeah. We have do you want me to tell you what we have? yep. Yep. Andrew..Hearn1970@Gmail Yep. dot com. Yeah. That's correct. Is Yep. that yeah? I still get Okay. some stuff sent to my old work one. I I do have access to my old work one, but I sort of don't it's not a usable one because it belongs to where I used to work. Okay. But some Yeah. Okay. outfield outfield stuff still goes there, like just Oh, really? yeah. Just random stuff. Yeah. Oh, that's weird. That's strange. Because we've definitely got this one on unless it might be the newsletter. If that Yeah. you've signed Is up that for the yet? Yeah. Some of it yet. Some is the newsletter it might and stuff. yeah. So the newsletter is run on a different type of platform. So Oh, okay. I can make a note of that actually, and I'll Yep. see if the team can get that updated. Okay. Because, surely, I don't know how it works, but I'm sure there's somewhere in the background that they can go get that done. Yep. Okay. So you're gonna receive an email momentarily from myself, and it will say, oh, do sign as well. Yep. This is so when you open it up, it'll say sign here. Just Yep. open that. By clicking on that, you're just opening up some documents that we're gonna run through. You're not signing anything at the moment, so Yep. don't don't worry too much about that. And I'm gonna try my best to guess in what order the documents are in because when we do a couple, sometimes they're out of order. So Yep. I'm gonna I'm gonna give it a hot crack. So let me know when you got those documents open. I've got the email. Yep. Yep. Did you want me to go so we got the email. It yeah. Yep. It should you should be able to access both documents, yours and Kim's, just through the one email. It's just that when you go to sign, you'll each have to sign from your own email. Okay. So do I click Right. on the sign document? Yes, please. That's just gonna open up a PDF group Yep. of documents that we're gonna talk through. Okay. Yep. Yep. So I'm hoping that the first document is a summary of superannuation and insurance for yourself, Andrew. Yes. It is.","start_word":2191,"end_word":2638,"sentiment":"neutral","sentiment_score":0.024203621898777783},{"text":"Lovely.","start_word":2639,"end_word":2639,"sentiment":"positive","sentiment_score":0.4038778245449066},{"text":"Okay. All this is is essentially a cover page telling us that your superannuation's with Hub. Your balance is approximately 246,424, Yep. and that your insurances are with Clearview for life insurance and TPD and income protection. Yep. So the life insurance, Kim, referring back to the repayment of debt before, the life Yep. insurance for Andrew sits at $552,875. Yep. So Uh-huh. that Uh-huh. cut Uh-huh. that Uh-huh. will cover Uh-huh. Uh-huh. the Uh-huh. debt Uh-huh. on Uh-huh. Uh-huh. Uh-huh. Uh-huh. the Uh-huh. Uh-huh. principal. Uh-huh. Uh-huh. Uh-huh. Yep. Yep. Yep. And then you'll also have the funds from superannuation should anything happen to Yep. Andrew. Is that sufficient for you both? Yep. That's fine. Okay. And, Andrew, your income protection policy, the sum insured sits at just over $4,500 a month with a thirty day waiting period and a two year benefit period, Mhmm. and that both all those policies are funded from super your superannuation. Yep. Now based on what you said your income is at about 110, you can look at increasing that income protection policy if you want, I but can take you my money need out. to be Yeah. able No. That's fine. yeah. Okay. Yeah. Yep. That's No. up to you. Yep. Yep. Okay.","start_word":2640,"end_word":2850,"sentiment":"neutral","sentiment_score":0.042283304547670326},{"text":"Beautiful.","start_word":2851,"end_word":2851,"sentiment":"positive","sentiment_score":0.3873156011104584},{"text":"So I'm gonna navigate through a few screens here. And the next document I'm hoping is a cover page for Kim. Yes. Yes. Beautiful. So, Kim, again, as a as a cover page, your superannuation again is with Hub. Balance sitting at $221,785, and you've got some life insurance value with the sum in short of 729,480. So that, again, will cover the debt. You get so much more if I die. That's Yeah. not fair. It's just the difference between male and female. I'd be the same. I think my husband's insured for a little bit more. Yeah. That's fine. Yep. Okay. The next document should be a twelve month performance report from hub twenty four for Andrew. Yep. Yeah. So you're both invested in the the same type of portfolio, and both of your returns are gonna when I explain it, I'm gonna explain it because it's gonna be applicable to both your portfolios anyway. You'll see along the top, there's a Benelong Australian Equities Fund. That fund, you'll see, has had a significant underperformance. Yep. We're not reactive in relation to underperformance because markets fluctuate as we as we see daily. However, the Bennelong's investment mandate is that they identify underperforming oh, sorry, undervalued companies within the Australian share market for growth opportunities. Now the market trend in the last twelve months favored the bigger financial institutions and the resource sector. So the performance of Benny Bennelong was due to their investment mandate.","start_word":2852,"end_word":3097,"sentiment":"neutral","sentiment_score":0.011411010855581702},{"text":"Now Bennelong is also turning around, and they are in a positive return at the moment.","start_word":3098,"end_word":3113,"sentiment":"positive","sentiment_score":0.5436612367630005},{"text":"However, as a company, our investment committee has decided that, Bennelong is not something we feel comfortable keeping in our clients' portfolios moving forward.","start_word":3114,"end_word":3137,"sentiment":"negative","sentiment_score":-0.3938707709312439},{"text":"So Yep. when I speak with clients, I just touch on the fact that I would like to, look at an alternative to that if you're okay with Yep. that. Yep. And the other investment option within your portfolio I wanted to have a a review of is the second one down, the beta bank hybrid. Nothing Yep. wrong with that investment at all. It's just that as of January 2027, the Australian banks, due to legislation changes, are phasing out the hybrid investment options. Yep. What it means is that I don't know what it's gonna be replaced with. Nobody does. And I would rather be a little bit more proactive in that respect and look at alternatives now rather than waiting to see while while it still is performing Yep.","start_word":3138,"end_word":3269,"sentiment":"neutral","sentiment_score":-0.0034969665575772524},{"text":"and providing great income.","start_word":3270,"end_word":3273,"sentiment":"positive","sentiment_score":0.36595848202705383},{"text":"So if you're both comfortable with that, you both hold that in your portfolio. So I wanted so I ex I'll explain that to you both. But with your permission, I'd like to look at replace it alternatives to replace those. Yep. Yep. Yep. The remainder of your portfolio, we have no significant concerns about. You've got some exposure to the the all world, so America and the remainder of the world. You've got some economy different economy exposure there. You've got some global health and global cyber exposure, which gives you some access to some certain specific niche sectors that have actually performed really well recently. Yep.","start_word":3274,"end_word":3381,"sentiment":"neutral","sentiment_score":0.1421714425086975},{"text":"So with your portfolio as a whole, we're happy with it.","start_word":3382,"end_word":3392,"sentiment":"positive","sentiment_score":0.5847105383872986},{"text":"It's just, unfortunately, the Bennelong Australian Equities Fund has underperformed, which has impacted the overall performance of the portfolio.","start_word":3393,"end_word":3411,"sentiment":"negative","sentiment_score":-0.5884031057357788},{"text":"Yep. So overall, for the last twelve months, Andrew, your portfolio returned 0.86%. Yep. The next one should actually be a six month portfolio performance for you, Andrew. Is can you see that one from March through to September? Yep. Yep. And that's just the report to show you that the port for even though Benelon is recovering and is sitting at now a 3.21% return, Yep. your portfolio is recovering for a six month return of 3.97, but a projected annualized return of 8%. So it's recovering. And but even though, as I mentioned before, Bennelong is back in the positive performance arena, it's Yep.","start_word":3412,"end_word":3517,"sentiment":"neutral","sentiment_score":0.05833829194307327},{"text":"still not something we're comfortable Okay.","start_word":3518,"end_word":3523,"sentiment":"negative","sentiment_score":-0.3924299776554108},{"text":"keeping. Kim, with yours, the exact same explanation, your portfolio in the twelve months did 1.01%, so a little bit more, and that would simply be based on the different amounts of money invested in the different investment options. And the month return for yourself, Kim, has been 6.22% with a project projected annualized return of 12.72%. So they're both tracking well even with Ben along in there, but we hope to get Ben along out of there and turn things around a little bit. Yep. Yep. The next document should be a Vanguard index chart, a bright red document. If you if you tell me what is what it is, I can find it find it in my Okay. Oh, yep. screen. Here we go. Yep. Got it now.","start_word":3524,"end_word":3653,"sentiment":"neutral","sentiment_score":0.07205615192651749},{"text":"Lovely.","start_word":3654,"end_word":3654,"sentiment":"positive","sentiment_score":0.3977299928665161},{"text":"Vanguard index Okay. chart. Yep. Yeah. That's exactly right. So I what I use this document for is a bit of a educational chat tool in relation to how your funds are invested. So at the moment, you're both invested as balanced growth investors. That's a title that that we use to understand your tolerance to risk. So based on a balanced growth investor, what we would typically see is 70% of your assets allocated to the growth sector and 20 to the defensive. Defensive. So how this relates to the chart is those top four assets down the right hand side of the page being US shares, Australian shares, international shares, and listed property, Yep. they're your growth assets. And from the chart, you can see they're the ones that experience the most volatility and the ones that provide you growth over the long term. So Yep. you would have about 70% invested in that in those in across those four sectors with the remaining 30% across the defensive sector, which is bonds, being Australian and international, fixed interest, and cash. So Yep. you can see that they're the income producing expensive assets that help offset the volatility when the market is volatile. As a grow a balanced growth investor, you typically we expect an annualized return of anywhere between six to 8% with any from with volant volatility being anywhere plus or minus of 8%.","start_word":3655,"end_word":3891,"sentiment":"neutral","sentiment_score":0.10189172515512016},{"text":"So the volatility of a minus 8% is what we would say would be a a really, really bad year. But in a balanced growth portfolio, we would expect a one in six year negative return.","start_word":3892,"end_word":3927,"sentiment":"negative","sentiment_score":-0.5235009789466858},{"text":"So that doesn't mean it's gonna be a negative eight, but that's that's, like, up to the the level of volatility you could expect Yep. in that type of investment portfolio. And the minimum time frame to withstand the volatility is at least five years. So we would look at age to retirement. I know you both said sick it says 60, and I know that you both said that that's probably not going to happen. But when I go away and do my research on those funds, I'm gonna have a look at what it's projecting out at the moment for a time and for you both anyway. Yep. But at this stage, are you both happy to remain as balanced growth investors? Well, what's better? Like, what is the risk if we went a bit more? The risk Like, what so what's if you wanna the look norm? Like, what what do most people do? look. Like, considering There's no we still have basically, you know Like, even if we said 65 as an age of retirement Same same as to, yep. like, ten years. What would you suggest? I would look at your risk tolerance. So I'd ask you a few questions So I'll explain what the next one up is. And if you will if you wanna have a think of if you wanna think about it or get my for me to be able to make a recommendation, I need to ask you both questions just to understand your tolerance. But a growth portfolio would see you typically, which is the next one up, having 80% exposure to those growth assets with about 20% in your defensive. Your return, you're looking at about seven to nine averaged out.","start_word":3928,"end_word":4220,"sentiment":"neutral","sentiment_score":-0.08682055354321776},{"text":"You're still experiencing probably one in every five years as a negative return with that volatility level being 11%.","start_word":4221,"end_word":4239,"sentiment":"negative","sentiment_score":-0.4760790765285492},{"text":"So another 3% in variance and at least a minimum of a six year time frame. So that minimum allows you to withstand those volatility those volatile periods. So if you for example, when COVID nineteen hit and everyone's superannuation took a massive nosedive And it was all over the news, and it was everywhere and everywhere. What was your reaction to that? We didn't really worry about it. Yeah. We didn't. Knew it was all managed, and we knew we Yep. still had this, and it is what it is. Yep. Yep. Yep. Okay. So that that response there tells me that you probably can tolerate a little bit more risk. Yep. There's a couple of there is a formality that I have to complete to be able to make a recommendation. Do you have I don't it'll only take a couple of minutes. Yep. So what what So does that look at in? How many years does that look at in for? you're not locked in for it. It's just that you would want at least a minimum of six years in with that hot slightly higher allocation to your growth assets to be able to benefit from it long term. So say, for example, we changed your risk profile, and in twelve months time, the top the market took a downturn, Yep. we you you need time that to be able to recover. So Yep.","start_word":4240,"end_word":4477,"sentiment":"neutral","sentiment_score":-0.05190139636397362},{"text":"it and the and the brilliant part is with superannuation that a lot of people don't think of as well is in superannuation, you're actually utilizing a really cool and it's not it's not cool as in cool cool, but a really nice little strategy called dollar cost averaging.","start_word":4478,"end_word":4526,"sentiment":"positive","sentiment_score":0.4329864084720611},{"text":"So when your superannuation funds go in each week, now is the law, you're buying funds at different times of the market cycle. So for example, one week, you could be buying your investments at a all time market low, which means that is giving that those those assets that you've bought at an all time low are gonna grow significantly when the market peaks. And then at other times, you might purchase funds when your when the market's already there at a high. So the benefit of dollar cost averaging is is you're actually buying funds buying investments at different stages and taking advantage of gross opportunities whether you know it or not. So you would need at least six years. So if you said from today, I wanna go a gross investor, I would say in six years' time being 2032, we would look at saying and it's obviously, it's not set in stone, but we probably wouldn't look at decreasing some of those assets down again until around then. Yep. Or if the market if it's at a time where the market's at a really great height, we could look at them decreasing again. But, typically, in the lead up to retirement, probably about three three to three years before retirement, we start to look at reducing exposure to growth assets, making sure that we've got a fair a fair allocation to income producing assets. We start to build the cash holding to fund future pension payments so Yes. that we don't have to sell those growth assets when you are in retirement. Yep. So it's a kind of a phased approach. Yep. Did you want me to complete that questionnaire, or are you happy to stay as Oh, balanced growth investors? no. I think we'll complete that questionnaire. Yeah? We sort Okay. of have time, you know, if you're looking well, if we said 65 or I've only just turned 56 and and that. Yep. So we've got, like, that that sort of period of time. Yep. Okay. Alright. So no right or wrong answer. You can both have different answers, and I will keep it as brief as I can. We so the first question is, what is the most aggressive investment you have ever made? Has it been direct shares, managed funds, investment property, your own home, or a higher interest interest bank account. Just the investment property, I guess. Let's see. Anything we've done? Yep. We haven't done anything else. Yep. That's fine. Once investments have been placed, and we're talking about your superannuation here, how long would you how long would it be before you would need to access it? Longer than ten years, between seven to nine years, or between four to six, two to three, and less than two? Well, I guess it's for me, it's that sort of around the ten year mark. Yep. What about yourself, Kim? Yeah. About ten years until I I mean, I've got too tired early, but it's gonna happen. So Me too. Me too. Okay. So the next question is inflation means things are getting more expensive over time, which makes our money worth less or today's money worth less. How much risk are you willing to take to keep up with rising prices? Are you willing to accept a very high risk to outpace relation inflation? A high risk to outpace inflation. Moderate, a small amount, or no risk. Oh, moderate amount. Mhmm. What about Yeah. yourself, Moderate Kim? to high. I mean, with our rates, we can still do a little bit of risk. Yep. So are you saying hi? Yeah. Hi. Yep. And, Andrew, you're moderate? Yeah. I'm a bit the same, moderate to high. I sort of still look and go, well, got ten years sort of thing. Yep. So yep. Okay. Okay. If in the next six months after investing, you found out that your portfolio decreased by 20% due to the general trends in the financial market, so that's being that chart I showed you, the general trends, Yep. would you invest more for growth, hold and wait, shift and secure your assets to defensive style assets, or convert to cash cash to stop all losses? Oh, I think it was to get someone's opinion on an expert. I have no idea what you're talking about. Yeah. And that's the Yep. thing. It's it's We don't know what we're talking about. That's why we get someone to do it. Yep. So do you think you would hold and wait? Yeah. Probably Or hold or on, mate. Yep. yeah. Or hold and get seek advice? Take advice. Yep. Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above per annum, six to eight, four to six, two to four, or zero to I'd like to think six to eight. two. Yep. Yeah. They said, like, no more than no less than six to eight. Yep. Okay. Have your investments, including superannuation, ever dropped in value, and how did it make you feel? I think we've probably answered this question by before with Yep. my COVID example, but Yep. I have to ask anyway. Are you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? Beautiful. Oh, no. Just optimistic. Obviously, prior to engaging you guys, investments are doing nothing. So we've seen, obviously, a significant turnaround to that.","start_word":4527,"end_word":5448,"sentiment":"neutral","sentiment_score":0.025858147564766336},{"text":"So we're we're pretty optimistic now.","start_word":5449,"end_word":5454,"sentiment":"positive","sentiment_score":0.3666093349456787},{"text":"And the last question is, have you ever thought about taking out a loan to invest outside of an investment property? No. No. Nope. Beautiful. Okay. So you've actually scored as growth investors. So I actually have no issues in recommending that you up your your risk profile a little to go take a little bit take on a little Yep. bit more growth. Yep. You understand the market. You're you don't seem emotionally reactive to markets market movement, and you understand it. So I think that I I could definitely recommend you change to a gross risk profile and Yep. take on a little bit more exposure to those gross assets Yep. to help you build that portfolio as well. Yep.","start_word":5455,"end_word":5576,"sentiment":"neutral","sentiment_score":0.0736339491654615},{"text":"Are you happy for me to may have a little bit of a when I because I've got I'm reviewing those investment options anyway, so part of that Yep.","start_word":5577,"end_word":5605,"sentiment":"positive","sentiment_score":0.36077842116355896},{"text":"would form me looking at a different Yep. not Yep. necessarily a different, but a little bit more exposure to growth?","start_word":5606,"end_word":5626,"sentiment":"neutral","sentiment_score":0.07575822621583939},{"text":"Yes. Lovely.","start_word":5627,"end_word":5628,"sentiment":"positive","sentiment_score":0.5071731805801392},{"text":"Okay. The next document should be a certificate of currency for insurance, if Yep. I'm correct. I'm just navigating through. I've got all your documents on one screen, so it won't be a sec. And it should be ClearView for yourself, Andrew. Yep. Yep. It's basically confirming what we discussed on the cover page. It's just the certificate of currency. Yep. What it means is that your policy is enforced, paid, and in place. And the next one for Yep. yourself will will be for yourself, Kim, and that should be with Resolution Life just showing the same information. Oh, I didn't oh, is that no. I didn't have that. No? Okay. I can't see it either. I'm just through. Give me one sec. I'll jump into to your folder, Kim, and double check. It might be that it wasn't generated. So I can have I'm just jumping into the resolution life portal right now. I press the wrong button. I can get that generated and sent through to you, post our meetings. But I would at least like to be able to confirm with you on the phone that it's actually in force. There we go. The income protection was confused when you're wrong. Only thirty day waiting period. Actually, we might not manage that, Kim. It Yeah. might I don't think you do. be. We can take it over and have it all as one if you like. Like, it it would stay with Resolution Life. We can take it over if you like, so it's part forms part of your review. Because Okay. I'm just logging in, having a look. There should be no reason why we cannot because all it does is it transfers over to us as a business, and we just manage That'd it for be you. that would be better. Yeah. Yeah. Alright. Let me look into that. I'm gonna make a note of that to see if we can. So I'll get one of my colleagues onto that. It'd just be a form that you'd need to sign. Okay. So my apologies about that. I gave you the information there, Kim. The next document should be a financial services guide. Yep. Yep. That's a legal document. It's been updated as of June. So every time we update it, we give our clients a new one. Same information remains, who we are, what we do, the advice we provide, how we provide it, fees. And the most important part of that document is actually the compliance the compliance the complaints process. So the document is always available on the website, but we do include it in our review packs to make sure that clients have it and are aware of it. The next document, I'm going to rely on you to tell me what it is because I'm not sure which order they've put the last slot in. I've got consent to new ongoing fee arrangement. Okay. Is that for Andrew or Kim? And that is for Andrew.","start_word":5629,"end_word":6133,"sentiment":"neutral","sentiment_score":0.07333543539637387},{"text":"Lovely.","start_word":6134,"end_word":6134,"sentiment":"positive","sentiment_score":0.511437177658081},{"text":"Okay. I'll get the right one up. So you'll both have one of these. Because you're invested as a couple, you get the discounted fee rate of 1.1%. Yep. Andrew, your annual fee, even though it's a percent based fee, what we do is it's fixed. So it will be based on the one balance and then deducted monthly. So that works out to be $225.89 a month. Yep. Yep. Previously, it would fluctuate with the market. It'd be just the percent based fee, but that that doesn't provide a lot of transparency for clients. And our aim is to provide transparency and consistency so you know what your fee is. And just because the market's performing well one month, that doesn't necessarily mean that we should get paid more that month. That Yes. should be yours. So we've changed our fee structure to be it's based on a calculated on a percent, but then it's set as an annual fee. Yep. Kim, yours should be the next one. Yes. It is. Yes. So your fee is $2,439.64 per month, same arrangement as I just explained, and that would equate to $203.30 per month, and they're both deducted from your superannuation balance on a monthly basis. The next document Yep. is I think that's all. is it? Okay. Click to Now it says click to start. Yep.","start_word":6135,"end_word":6361,"sentiment":"neutral","sentiment_score":0.11166821489118794},{"text":"Okay. Fantastic. That means that the tax file number forms and all that have already been done previously, so that's great.","start_word":6362,"end_word":6382,"sentiment":"positive","sentiment_score":0.6593928933143616},{"text":"So, basically, following all that, do you have any questions? The other one I do have is so with the investment property, Yes. if we plan, say, in the next, you know, if we do this high high risk and Mhmm. then say in the next, say, three to five years, we decided to sell the investment property and made decent money and Yes. then put that into super or the the maximum amount we can put into super, does that just then go into our balance and then start to work with it? What does that do? So if Like, you were you know to how sell you can do yep. so when we went to the account the other day, you can do five years back of super up to $30,000. Yep. So And if we claim went it as through a tax and, deduction? yeah, so if we sold Yep. the property, made money, and put it into season before we had to pay capital gains, Yep. does It's that all then about just timing. Yeah. so Yep. that then doesn't We add to our money and you start investing that? correct. So Okay. it serves two it serves two purposes. It's a it's a very common strategy used to offset capital gains tax Yep. because the superannual so it's gotta be timed correctly. So and by saying that, you wouldn't wanna be selling a property on either side very close to the Okay. financial year because you could actually do yourself an injustice if depending on when settlement is and if you can't get the money into super quick enough. So Yep. you wouldn't wanna do it too close to the thirtieth of Okay. June just with that that risk there. You'd be better off either pushing it out to the next financial year Yes. if that was. But you we will we can talk you through that and say, you know, these are gonna be the cutoff dates for money to be put into super because every super fund has a cutoff date Okay. So where at this time, they'll would accept she talk it. to you guys first? Yeah. When you're considering it, we will do that's definite I can definitely help with that. I've done that many, many times. Yes.","start_word":6383,"end_word":6769,"sentiment":"neutral","sentiment_score":-0.008323518905875295},{"text":"Your accountant is very good for mentioning it and bringing it up.","start_word":6770,"end_word":6781,"sentiment":"positive","sentiment_score":0.5028179287910461},{"text":"So, yeah, when that time does come, we would put we would work with your accountant Yep. to I would like to speak with him with your permission, him or her, sorry, Yep. to say he could provide they could provide the the tax implications or estimates that you'd be facing, and then we can work with them to make sure that the corrected money's amount of money's put in to offset that capital gains as much as possible. Yep. And then the remainder, you depending on the time frame, you may not want to put into superannuation if you're unable to access it for still another couple of years. Oh, we wanna put the maximum. I think we're now to take capital gains on it. So well, you are well, you can only you will be limited to the amount you can put in Yeah. based on, 30,000 like dollars a year for the last five or something. yeah. But don't forget that your your employer contributions reduce that 30,000 each Yeah. Yeah. year That's as right. well. But see, So Andrew hasn't worked much over hasn't the last two years, yeah. so we could use Yep. more on him. Yeah. Yep. But but the capital gain will be applied evenly to each of you. So he won't Yes. be able to apply any of his tax offsets to you. So just depending Oh, on okay. how how Oh, the yeah. house Let's is see. is is purchased and structured. But we would we would deep dive and do that then. Yep. But That's it's right. definitely And then a yeah. strategy it's definitely a strategy you can employ when that time comes. Yeah.","start_word":6782,"end_word":7066,"sentiment":"neutral","sentiment_score":0.05519110019269743},{"text":"Cool.","start_word":7067,"end_word":7067,"sentiment":"positive","sentiment_score":0.4858920872211456},{"text":"Yeah. Okay. Yes.","start_word":7068,"end_word":7070,"sentiment":"neutral","sentiment_score":0.26332271099090576},{"text":"Alright. Fantastic. That's good.","start_word":7071,"end_word":7074,"sentiment":"positive","sentiment_score":0.7232136130332947},{"text":"Well, what my homework from here is is I'm going to go and do some investment research and do what we call an advice document. While I've both got you on the phone, I will need another meeting with you both just to present that advice just because we're changing the risk profile a little bit and the investments. Andrew, how long are you still off work for? Probably, yeah. I'm sort of doing a little bit of work from home and that, but, Yep. yeah, it's like I'm probably still here at home for a couple of weeks. Okay. If I looked at the week beginning the October 5, do you both prefer an evening? I've got Thursday, the eighth available. Yeah. And even this time of an evening works because obviously, you know, Yep. it's him still gonna get home. So yep. Yep. So 05:30 again? Yep. Okay. Alright. I'm gonna lock that in. I will send you both a calendar invite tomorrow to Yep. so that you have that in your calendar. And I'll also make sure that we get some information on that resolution live and see how we can get that over And that's formed so to I cannot us. be on Yes. so that Yep. Then we'll chat we'll change it to a non lapse thing so it doesn't lapse. Yep. Yeah. Yeah. Yep. We'll get all that sorted for you. And then in the meantime, any questions, reach out. And if you're happy to sign those ongoing consent forms, so I'll ask you to do that when you're happy and ready if you are, and we'll go from there. You just click to start again? Sorry? You just gotta click to start, and then that's how you sign it, or where do you sign it? Oh, yeah. I see I've signature. never yep. I've never Cool. actually done it myself, to be honest. It's I think it's I it's think I supposed just did to be it anyway. I just did yeah. Okay. Alright. Let's have a look. I'll tell you if it worked because I it think anyway.","start_word":7075,"end_word":7430,"sentiment":"neutral","sentiment_score":0.04757584530985757},{"text":"I usually it usually comes through pretty quickly. It's supposed to be pretty user friendly. So fingers crossed that is for you. It will come through as it does anyway.","start_word":7431,"end_word":7460,"sentiment":"positive","sentiment_score":0.5156339406967163},{"text":"If there's any issues, one of my colleagues will reach out to you to let you know. But I will be speaking with you both on the eighth to present that advice and make those changes to your portfolio. Is that okay? Yeah. Yeah. Yep. Yep.","start_word":7461,"end_word":7506,"sentiment":"neutral","sentiment_score":0.20296184718608856},{"text":"Absolutely. Beautiful. Alright. Fantastic.","start_word":7507,"end_word":7510,"sentiment":"positive","sentiment_score":0.7313273549079895},{"text":"Well, if you have any questions, please, again, in the meantime, just give me a call. Otherwise, Yep.","start_word":7511,"end_word":7528,"sentiment":"neutral","sentiment_score":0.22223518788814545},{"text":"I look forward to speaking to you both in about two weeks.","start_word":7529,"end_word":7540,"sentiment":"positive","sentiment_score":0.4897702038288117},{"text":"No worries.","start_word":7541,"end_word":7542,"sentiment":"neutral","sentiment_score":0.32409849762916565},{"text":"Not a problem. Beautiful. Thank you. Thank you so much. Have a awesome evening. Alright. Okay.","start_word":7543,"end_word":7558,"sentiment":"positive","sentiment_score":0.7028871774673462},{"text":"Bye. Bye. Bye.","start_word":7559,"end_word":7561,"sentiment":"neutral","sentiment_score":0.2090425193309784}],"average":{"sentiment":"neutral","sentiment_score":0.05358052429341492}}}}