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Is now still a good time? Perfect. If I could just grab your client pass so we can get stuck into that one today there, Chris. Perfect. It's Liliana, the full name, but I'll take it up. Just to to let you know, obviously yeah. But no. That's that's more than fine. Perfect. Obviously, you only have the one grandmother probably named Lily Liliana. Sorry. That's so it's easy for me to oh, okay. Okay. Fair enough. There there you go. The more you know. I might actually update. Perfect. And just to confirm there, Chris, I know you did confirm your details, which is because it has been, like, a little bit since we sort of did speak ourselves. Can I just confirm that in regards to your situation? Has anything largely changed since we, like, originally had our conversation? Yeah. Late last year. Occupational, the same income. Everything. Debt may be a little bit different, but largely unchanged. Perfect. Not a problem at all. Now in relation to the advice piece there today, it is quite simple in what we were doing. We're just looking at that investment update really there for you to sprinkle in a little bit of estate planning for you. And then I know you are happy with your insurances, so we scope those out. But this will just be going to your email, sablo_25@live.com.au. I'll send that now, and, hopefully, it comes through in a second. It might just take a little bit there, and then we'll run through that document together. And how much time do you sort of have spare? I can make it quite quick for you if you sort of still have to get back to work, or I can take a little bit more time depending on yep. And then with that one there, what was the value of the home that 20 4. Yep. And have you thought about, like, obviously, I know the interest rates did go up the other day, but have you thought about, like, refinancing and things like that in terms? Yep. In terms of, like, an investment portfolio and or Yeah. Yep. So, obviously, like, the sort of steps in what we sort of generally space out is, like, given, like, the current legislation that is, is investment properties are a really good tool in terms of, like, a next step investment from your primary resident just purely for the fact that the interest accrued on those loans for investment properties at the moment given the legislation is a 100% a tax deduction in terms of, like, the cost you are paying, and it can just help if it is sort of things like negatively geared, reducing your, you know, your taxable income, things like that as well where you you slightly could be making more if you are getting the capital growth out of that plus some money going towards the the principal as well. Making more into the sense that you're saving on some form of tax and then having some deductions, being able to, like, improve the the property, things like that as well. It's a tool that's a bit more tangible. People are a bit more comfortable with it as well. Not to say it's for everyone. It is just a nice tool. And then, obviously, with the capital gains reform, it's like they might also change those rules in terms of, like, investment properties and how much of a tax deduction you do get with regards to, like, capital gains and how much you actually have to pay moving forward. But in saying that exactly. And sort of is it a lot of people too like, this is obviously long, long term. If you're looking sort of, like, I'm not too sure, like, what your sort of area is like and what you sort of wanna do in the future, but if you look to an area that you wanna potentially retire, whether or not you'd either beach, things like that, and getting in as an investment earlier, you can look to sort of use your primary now to then downsize into your investment later in life, and it really isn't much of an issue moving forward. You can sort of, you know, get the benefit of being a primary being sold, downsizing to your investment where you wanna look at retiring and say twenty, thirty years time down the track anyway when you might be looking to do that. It's just sort of that forward thinking that you can do. Yeah. Yep. And, yeah, obviously, that's like your sort of other option looking those, like, ROI areas and then just sort of getting the growth out of it as well. Obviously, be mindful, like, you know, it's selling within twelve months and things like that. Obviously, you met the twelve month rule, but, you know, same two d things like that and the cost of buying and selling can eat away at those sort of things as well. That's more than fine. We can sort of refer you to a mortgage broker here if you do want a second opinion or if you've got your own one as well. In regards to that, as far as, like, the investment portfolios crypto we don't touch, it's just through the risky nature of it. That's fine. If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund. We can pair it with, like, your platform. Hub 24 has the option to have IDPSs, and it can reduce administration costs. You can look to just have it personal on a few of those platforms there as well that you can be able to just manage it yourself depending on the amount and depending how much freedom you want with it. Because, obviously, if you're looking to day trade a little bit more, be a little bit more actively involved in it, we're a little bit more long term sort of investment time horizons, and we can sort of facilitate some changes to a degree. But if it comes like a a daily sort of, you know, a sell trade or quite regular trades, it doesn't really sort of fall in line with what we sort of do, and then the liability comes a bit different as well, if that makes sense. Perfect. Do you have any questions around that at all before we get started there, Christopher? Not a problem. Did you get that email that I sent there come through? For the the statement of advice. Obviously, there is a signable link there if you were happy with everything to sign the advice. If you were, you can just open up the statement advice just to read through it with me. There are a few other attachments there for you. Just the PDFs is in regards to your superannuation product still, And then you've also got your appendix to the statement of advice as well. And then you've also got within that one the new OQ services guide and financial services guide there as well just to be able to see the updated changes there as well for you. Perfect. Obviously, for the document itself, it was finalized there on the the March 11 and when it was finally printed to to PDF, obviously, getting you booked in and everything. But it is created for yourself, prepared by myself and the team there as an authorized representative under OQ Financial. In regards to best interest duty, we obviously make the recommendations with the best interest duty in mind that we're trying to put you in a better position the way you are currently. Now if you go over the next sort of pages, you will see your goals and sort of how we came to that that scoping. So in regards to this advice piece, as I say, quite simple in terms of what we're trying to cover, we were just looking at Hub twenty four and exploring the investments to try and strength strengthen that performance due to that Benelong and what did occur with that one and just putting in a position for another sort of stint of of, like, growth and sustained growth as well of where they believe the, you know, the investment direction of the company is headed and where the market's headed there as well. But, also in regards to the estate planning side of things, I know we didn't really touch too much on it in terms of, like, what you wanted. But given, you know, you do have, you know, some assets there that are accruing now and you've got the younger family, it's sort of important to have those sort of measures in place there as well for you. As far as what wasn't considered, we did have a chat about insurances there, but you're happy with the amount of cover you currently hold. Now with debts and things, how does that changes in the future as well? You may wanna revisit that, but it isn't in this advice piece. In addition to that, budgeting and saving, I know you were saving down and trying to pay down some of that debt for your property. No. That's fine. As far as, yeah, paying down those debts to save for potential property in the future as well and some other alternative assets, that's obviously been a goal, but we didn't do anything in regards to cash flow and budgeting for you. And then within regards to that, you're still saying that, like, down the track and sort of mid issue when you come off that, you're still looking at doing those alternative investments. But for now, it's not in this advice piece. And then the property, as I said, we can refer you on to a broker. We can discuss and sort of provide advice on the broader financial aspects of it. But as far as, like, products and actual properties as well, that's not something a financial adviser does, unfortunately. As far as your limited advice warning, it just pertains to the fact that we are only providing advice on that super and estate planning side of things in this advice piece. And on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that. Now, obviously, it's very sound straightforward. Obviously, there's, a whole bunch of words that follow that we can run through there. But do you have any sort of questions in regards to that so far? As I said, no. It's not so good. Yeah. Okay. No problem. Yep. We try to keep it a simple, stupid. We don't wanna sorta trick you up in any sort of sense. Now in the next page over, you will see your details there. So if you could just confirm that these are all correct on that page and the next page over for your assets and liabilities. As I said, they're all just based on those older figures, so the property has gone up a bit slightly in saying that we can provide an updated advice piece to illustrate the million dollars, but we see it doesn't change what we're recommending at the end of the day as well. Ready. Yep. So down to that part, we'll just touch you on the high growth there. Obviously, you did score that high growth, and that's that's still ninety ten split. Do you have any questions in regards to your risk profile score on maintaining that? Yes. I understand your concerns in regards to that. So as far as working wise considered, you're very much a spring chicken in the sense that you're working for another twenty seven years before you even get the chance to try and touch your super. And then that's if the government doesn't change anything along the way. Fingers crossed, knock wood. But that's quite a huge time frame to be invested and remain invested in those sort of growth assets and those high growth assets to where that these sort of dips in the market and the blips of, like, COVID and things like that. It it's not great in the sense that you do lose it on a paper value, and it's obviously great if everything goes up all the time. But in saying that, that's sort of unsustainable in a sense anyway. With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value. So, you know, a year of bad sort of growth now is, like, everything sort of sitting low, your contribution's going in. Once they sort of start to recover from that, you know, the war stops, it means you bought more for less at that time, and then the recovery should be a little bit nicer on the back end as well for you. Exactly. And it's much too, like, same as owning your own home. If someone told you tomorrow that your house is only worth a dollar, you're not gonna go out tomorrow and go, I'm gonna sell my house for a dollar. You're gonna go, I have it. I'm gonna hold it. You know, I know the value is gonna increase and, you know, the the sort of, you know, more people than there is things going around and that's never gonna change. So consumer driven growth is always going to be a thing. As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving. Not just Benelon itself. We looked at the entire portfolio on how we can sort of better manage that moving forward and with the update. Now obviously, we kept in line with the high growth portfolio, in line with you, re subjected in that long term time horizon. But in saying that as well, you were quite focused on having a bit of a greater exposure in the tech sector and aiming for that longer term growth. So with that, we did look at switching some of your investments for that Nasdaq investment that hold those companies as well. Good thing for you is the Nasdaq did take a bit of a dive sort of during February then, so you will be buying into that a lower amount. But, obviously, tech side of things long term is still quite high conviction in that. It is a satellite, so turning about 5% of your portfolio, which means that you will still have a nice amount there across that and the cybersecurity to be a more tech focused side of things. And then you'll still have a nice core of the S and P 500 and then also the BetaShares Australian two hundred as the core of your portfolio in that, if that makes sense. Yep. So within regards and you can see all the the changes there on page 15 once we get down to it. Obviously, there's a few words that do come before that. Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management. Now are taking a little bit more risk that you are going into those tech side of and then that Nasdaq investment that has been a little bit more volatile, but you are removing that manager risk. And, like, as you did see what happened within regards to Benelon when they did fuse, like, the the wrong sort of winners. It can sort of mean that it did not pay off, and you're paying more to have that sort of growth there as well. So at the moment, in terms of, like, the the Nasdaq itself, obviously, it hasn't done too great over sort of the year to date. It's down about 3%. Not to say that it, you know, it's gonna turn around instantly. With the war going on, it might still sort of hover or maybe even dip a little bit more still. But over the longer term period, and you sort of wanting to have a bit more tech focus there as well, looking at holding that long term, it's probably gonna end up up at the end of the day there as well. How much? I couldn't sort of say, but it just gives you that little bit more exposure, and it's only about 5%. So it's a nice little satellite that if it goes gangbusters, it goes great. If it doesn't do too well, it doesn't mean that it's gonna, like, drastically impact your portfolio like your, like, 27% of Benelung holding that you did have, if that makes sense. So, yeah, the key holdings there, you still have quite a large share in the S and P five hundred at 35%. But given that it is sort of top 500 companies in America is high conviction and that moving forward still, you have 25% in the Australian beta shares and the Australian market as a whole. You know, obviously, the Benelong didn't do too well as Australian equities, but it's not been doing too bad either. And then you've got a little bit of exposure outside The US, Europe. And then with that, that cyber investment there as well, which gives you a nice sort of spread. In in conjunction with that, you do have the gold and the the composite bonds, which is your defensive portion there as well. But overall, it will save you moving forward in terms of costs. It'll be in line with your agreed risk profile. And then with that, you still have been ongoing client. We'd hope you have those regular reviews, and we can still focus that. And you'll have that little bit more of a greater exposure to the technology sector as as you wanted. Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain. But if it goes the other way, you're actually buying in at a lower cost as well. So it's a bit of a fifty fifty, but selling low and buying low isn't a bad thing. It's just a volatile in the meantime. But I dare say given that everything sort of, you know, just kinda trickled down, there wasn't like a a nuclear bomb sort of drop that it shouldn't cause too much effect to you and especially over the long term there as well. Just something to be mindful of. We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long. If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that. And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame. We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market. We also considered holding it a bit more of an active portfolio, but due to the cost involved, the lower historical performance and how the indexes have been, you know, traveling so far and then having a little bit more risk with a bit more tech focused as opposed to those actively managed funds, it sort of balances out a little bit with the the lower cost and having those index investments as opposed to, like, active managements again active management again, if that makes sense. Yep. Perfect. Yeah. On page 15, you will see those buyers and sales. So the main ones that you're getting rid of there is obviously the Ben Long, Ballym Lithium Tech actually did have a nice sort of rebound the past twelve months, so that's nice. Agriculture is sort of been a bit of a mute point there as well, and health care hasn't done too fantastic either over the longer period of time. The diversified Vanguard index hasn't been too bad in terms of, like, the return it has been getting. But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites. Do you have any questions in regards to those investments or the recommendation there, Christopher? Yep. You do have in the appendix there as well all the links to those investments to be able to have a look at those and see if you were happy with those. Obviously, there's still quite a heavy weighting in sort of those indexes in terms of, like, isn't sort of spread, you know, evenly across all of them. Obviously, if you look at, like, the S and P 500 and it sort of returns over the past five to ten years, it's still quite a bit of consumer confidence in those still tracking quite well, And that's how the investment committee views it as well with that. And then sort of even though it has taken a little bit of a a dip there currently, it's sort of expected that it will still track nicely moving forward there as well. Even the the last year, I think it was around the the eighteen percent sort of mark. Obviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well. Perfect. As far as the split, we obviously aim for that ninetyten sort of split. At the moment, the recommended portfolio is around 90 fivefive, and that's purely because they allocated gold as an alternative growth asset and didn't do, like, a split just because of how it has been performing in terms of the value of gold and how much it's grown capital wise as opposed to, like, being a bit more of a defensive asset and sort of market downturns and things like that as well. And downturns and things like that as well. In saying that, it can sort of still act as a defensive portion somewhat aspect. Not to say it's fully defensive or fully growth, but it can be a bit of a split that here it's considered a 100% growth. As far as the projection goes there, I'm not a huge fan of projection because, obviously, things do change quite regularly. But in terms of, like, the fees, it'll obviously illustrate here on the table in page 17 that you will be saving $360 on fees alone. Obviously, the adviser fee with that higher portfolio and the projected growth, it might be charged a little bit more, but that's only if your portfolio is performing, like, higher. It's just based on, like, a year's worth of projections. So with that, you will be guaranteed to save around the $360 mark in terms of, like, your investment costs for a portfolio that has been historically a little less volatile and also been performing better there for you as well. But even if it sort of performs, you know, a little bit better or roughly the same in that, you're still saving on money which compounds anyway. So it still will put you in a better off position even if the market stay a little bit more average for the next six to twelve months there for you. You can see the page over what that sort of looks like in terms of a projection, but as I said, the next five years will never replicate the last five years anyway. But it just kind of shows you what that change sort of looks like between the the portfolios there. Perfect. And then within regards to your beneficiary nominations, they are up to date on Hub twenty four. And I do need to just quickly check your insurances. Yeah. And I think that one's up to date. Yeah. Perfect. So that's all up to date. And then just by maintaining that, obviously, spouse is a 100% tax dependent there and assist dependent, so she'll receive those funds tax free should anything happen to you. So still get maintaining there. The main part there is just establishing a will to make sure that everything did happen, that you do have some estate planning measures in place. Now we can just pass along a bit of information from a local solicitor. Sometimes it is as easy to go to someone more local to you, but we can pass along that information pamphlet if you wanna see some general pricing and just a little bit about wills and estates. Yep. As I said, they're just like a trusted partner. They do some stuff business wise here as far as as well. They have their own fees and services that isn't like the pamphlets we'll get you sent out just to have a look at those. And then if you can find someone cheaper or not happy days, be a no obligation to to use their service whatsoever, but they are trusted partner here that sort of we're happy to pass along the details for. Perfect. And then with that, you can establish, like, power of attorney as well, which we do recommend, whether it's your spouse or not. It just means that if anything happened where you're incapacitated, it just means that there is someone there that can make those financial decisions for you or medical decisions in the event that you can't make them yourself without having to petition the courts and things like that and can really sort of save some heartache and hassle and cost in the event that those things do occur. And then, obviously, you know, it's a lot of stress and sort of burden on family members when something does occur that you don't know exactly what your family's wishes would be if it comes to that point. So if you can put those into writing, it makes it a lot easier on them to take that decision sorta out of their hands. Perfect. As far as the recommendation, obviously, I did get through the the last estate planning bit a little bit there quite quickly. But do you have any questions in regards to that investment change or what we are recommending there, Chris? Not a problem. Obviously, take your time and have a look through it, see if you come back with any questions or not. But as I said, quite simple, just the investment update and a little bit of estate planning side of things. As far as remuneration, it is still just gonna be the 1.65%, which is around $60,170 dollars for a twelve month fee for you being an ongoing client. And then 22% of the insurance premiums with Zurich just for maintaining that policy. That's not an additional cost that you pay. It's just a cost there that we get from Zurich for maintaining the policy out of the premium you pay to them. We just disclose it because we obviously do get it, which means that total we get around $2,171 per annum there as a remuneration for the service there. As far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you. It might take a few weeks with the managed funds to see that sort of happen. It just sort of means that, like, they do take some time to obviously sell down and pay out. And then with that, we'd change those underlying investments for you. And then as far as the estate planning side of things, it is up to you to organize with yourself and your spouse to to do with a a lawyer. That would only be if you wanted to make any sort of changes to the advice, whether that be you don't wanna take on some form of the recommendation. Yeah. Otherwise, it Yep. Yeah. If you were happy Wait. I'm sorry. With the audio sign, you should receive, like, a certificate of completion still. I can't remember from memory what it would be exactly like, but you do have a copy of those documents all listed there anyway that you can download. It's obviously just not a saved one, but you can save all those PDFs down and you've got all the documents there anyway. It just might not be the the safe version of that, but we'll have a copy here and we can sort of send it to you at any point, like, from your time here or even if you leave as a client. Not oh, okay. Not a problem. But do you have any other questions while you've got me there, Chris, in regards to any of that? Did you want me to check-in that they reach out in six months regarding sort of seeing where you're at with things? Yep. I'll just track you down for a six month follow-up, and I'll get the team there to send out that lawyer information there for you. But is there anything else there that I can sort of answer or assist you with there today while you've got me? Not a problem at all. Any questions you do have, feel free to always just reach out, shoot us an email, or give us a a call. Not a problem. But otherwise, I'll let you get back to you your day there, Chris. Cheers. Thank you. Bye 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Chris. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for your statement advice. Presentation today. Is now still a good time? Perfect.\n\nIf I could just grab your client pass so we can get stuck into that one today there, Chris. Perfect. It's Liliana, the full name, but I'll take it up. Just to to let you know, obviously yeah. But no.\n\nThat's that's more than fine. Perfect. Obviously, you only have the one grandmother probably named Lily Liliana. Sorry. That's so it's easy for me to oh, okay.\n\nOkay. Fair enough. There there you go. The more you know. I might actually update.\n\nPerfect. And just to confirm there, Chris, I know you did confirm your details, which is because it has been, like, a little bit since we sort of did speak ourselves. Can I just confirm that in regards to your situation? Has anything largely changed since we, like, originally had our conversation? Yeah.\n\nLate last year. Occupational, the same income. Everything. Debt may be a little bit different, but largely unchanged. Perfect.\n\nNot a problem at all. Now in relation to the advice piece there today, it is quite simple in what we were doing. We're just looking at that investment update really there for you to sprinkle in a little bit of estate planning for you. And then I know you are happy with your insurances, so we scope those out. But this will just be going to your email, sablo_25@live.com.au.\n\nI'll send that now, and, hopefully, it comes through in a second. It might just take a little bit there, and then we'll run through that document together. And how much time do you sort of have spare? I can make it quite quick for you if you sort of still have to get back to work, or I can take a little bit more time depending on yep. And then with that one there, what was the value of the home that 20 4.\n\nYep. And have you thought about, like, obviously, I know the interest rates did go up the other day, but have you thought about, like, refinancing and things like that in terms? Yep. In terms of, like, an investment portfolio and or Yeah. Yep.\n\nSo, obviously, like, the sort of steps in what we sort of generally space out is, like, given, like, the current legislation that is, is investment properties are a really good tool in terms of, like, a next step investment from your primary resident just purely for the fact that the interest accrued on those loans for investment properties at the moment given the legislation is a 100% a tax deduction in terms of, like, the cost you are paying, and it can just help if it is sort of things like negatively geared, reducing your, you know, your taxable income, things like that as well where you you slightly could be making more if you are getting the capital growth out of that plus some money going towards the the principal as well. Making more into the sense that you're saving on some form of tax and then having some deductions, being able to, like, improve the the property, things like that as well. It's a tool that's a bit more tangible. People are a bit more comfortable with it as well. Not to say it's for everyone.\n\nIt is just a nice tool. And then, obviously, with the capital gains reform, it's like they might also change those rules in terms of, like, investment properties and how much of a tax deduction you do get with regards to, like, capital gains and how much you actually have to pay moving forward. But in saying that exactly. And sort of is it a lot of people too like, this is obviously long, long term. If you're looking sort of, like, I'm not too sure, like, what your sort of area is like and what you sort of wanna do in the future, but if you look to an area that you wanna potentially retire, whether or not you'd either beach, things like that, and getting in as an investment earlier, you can look to sort of use your primary now to then downsize into your investment later in life, and it really isn't much of an issue moving forward.\n\nYou can sort of, you know, get the benefit of being a primary being sold, downsizing to your investment where you wanna look at retiring and say twenty, thirty years time down the track anyway when you might be looking to do that. It's just sort of that forward thinking that you can do. Yeah. Yep. And, yeah, obviously, that's like your sort of other option looking those, like, ROI areas and then just sort of getting the growth out of it as well.\n\nObviously, be mindful, like, you know, it's selling within twelve months and things like that. Obviously, you met the twelve month rule, but, you know, same two d things like that and the cost of buying and selling can eat away at those sort of things as well. That's more than fine. We can sort of refer you to a mortgage broker here if you do want a second opinion or if you've got your own one as well. In regards to that, as far as, like, the investment portfolios crypto we don't touch, it's just through the risky nature of it.\n\nThat's fine. If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund. We can pair it with, like, your platform. Hub 24 has the option to have IDPSs, and it can reduce administration costs. You can look to just have it personal on a few of those platforms there as well that you can be able to just manage it yourself depending on the amount and depending how much freedom you want with it.\n\nBecause, obviously, if you're looking to day trade a little bit more, be a little bit more actively involved in it, we're a little bit more long term sort of investment time horizons, and we can sort of facilitate some changes to a degree. But if it comes like a a daily sort of, you know, a sell trade or quite regular trades, it doesn't really sort of fall in line with what we sort of do, and then the liability comes a bit different as well, if that makes sense. Perfect. Do you have any questions around that at all before we get started there, Christopher? Not a problem.\n\nDid you get that email that I sent there come through? For the the statement of advice. Obviously, there is a signable link there if you were happy with everything to sign the advice. If you were, you can just open up the statement advice just to read through it with me. There are a few other attachments there for you.\n\nJust the PDFs is in regards to your superannuation product still, And then you've also got your appendix to the statement of advice as well. And then you've also got within that one the new OQ services guide and financial services guide there as well just to be able to see the updated changes there as well for you. Perfect. Obviously, for the document itself, it was finalized there on the the March 11 and when it was finally printed to to PDF, obviously, getting you booked in and everything. But it is created for yourself, prepared by myself and the team there as an authorized representative under OQ Financial.\n\nIn regards to best interest duty, we obviously make the recommendations with the best interest duty in mind that we're trying to put you in a better position the way you are currently. Now if you go over the next sort of pages, you will see your goals and sort of how we came to that that scoping. So in regards to this advice piece, as I say, quite simple in terms of what we're trying to cover, we were just looking at Hub twenty four and exploring the investments to try and strength strengthen that performance due to that Benelong and what did occur with that one and just putting in a position for another sort of stint of of, like, growth and sustained growth as well of where they believe the, you know, the investment direction of the company is headed and where the market's headed there as well. But, also in regards to the estate planning side of things, I know we didn't really touch too much on it in terms of, like, what you wanted. But given, you know, you do have, you know, some assets there that are accruing now and you've got the younger family, it's sort of important to have those sort of measures in place there as well for you.\n\nAs far as what wasn't considered, we did have a chat about insurances there, but you're happy with the amount of cover you currently hold. Now with debts and things, how does that changes in the future as well? You may wanna revisit that, but it isn't in this advice piece. In addition to that, budgeting and saving, I know you were saving down and trying to pay down some of that debt for your property. No.\n\nThat's fine. As far as, yeah, paying down those debts to save for potential property in the future as well and some other alternative assets, that's obviously been a goal, but we didn't do anything in regards to cash flow and budgeting for you. And then within regards to that, you're still saying that, like, down the track and sort of mid issue when you come off that, you're still looking at doing those alternative investments. But for now, it's not in this advice piece. And then the property, as I said, we can refer you on to a broker.\n\nWe can discuss and sort of provide advice on the broader financial aspects of it. But as far as, like, products and actual properties as well, that's not something a financial adviser does, unfortunately. As far as your limited advice warning, it just pertains to the fact that we are only providing advice on that super and estate planning side of things in this advice piece. And on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that. Now, obviously, it's very sound straightforward.\n\nObviously, there's, a whole bunch of words that follow that we can run through there. But do you have any sort of questions in regards to that so far? As I said, no. It's not so good. Yeah.\n\nOkay. No problem. Yep. We try to keep it a simple, stupid. We don't wanna sorta trick you up in any sort of sense.\n\nNow in the next page over, you will see your details there. So if you could just confirm that these are all correct on that page and the next page over for your assets and liabilities. As I said, they're all just based on those older figures, so the property has gone up a bit slightly in saying that we can provide an updated advice piece to illustrate the million dollars, but we see it doesn't change what we're recommending at the end of the day as well. Ready. Yep.\n\nSo down to that part, we'll just touch you on the high growth there. Obviously, you did score that high growth, and that's that's still ninety ten split. Do you have any questions in regards to your risk profile score on maintaining that? Yes. I understand your concerns in regards to that.\n\nSo as far as working wise considered, you're very much a spring chicken in the sense that you're working for another twenty seven years before you even get the chance to try and touch your super. And then that's if the government doesn't change anything along the way. Fingers crossed, knock wood. But that's quite a huge time frame to be invested and remain invested in those sort of growth assets and those high growth assets to where that these sort of dips in the market and the blips of, like, COVID and things like that. It it's not great in the sense that you do lose it on a paper value, and it's obviously great if everything goes up all the time.\n\nBut in saying that, that's sort of unsustainable in a sense anyway. With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value. So, you know, a year of bad sort of growth now is, like, everything sort of sitting low, your contribution's going in. Once they sort of start to recover from that, you know, the war stops, it means you bought more for less at that time, and then the recovery should be a little bit nicer on the back end as well for you. Exactly.\n\nAnd it's much too, like, same as owning your own home. If someone told you tomorrow that your house is only worth a dollar, you're not gonna go out tomorrow and go, I'm gonna sell my house for a dollar. You're gonna go, I have it. I'm gonna hold it. You know, I know the value is gonna increase and, you know, the the sort of, you know, more people than there is things going around and that's never gonna change.\n\nSo consumer driven growth is always going to be a thing. As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving. Not just Benelon itself. We looked at the entire portfolio on how we can sort of better manage that moving forward and with the update. Now obviously, we kept in line with the high growth portfolio, in line with you, re subjected in that long term time horizon.\n\nBut in saying that as well, you were quite focused on having a bit of a greater exposure in the tech sector and aiming for that longer term growth. So with that, we did look at switching some of your investments for that Nasdaq investment that hold those companies as well. Good thing for you is the Nasdaq did take a bit of a dive sort of during February then, so you will be buying into that a lower amount. But, obviously, tech side of things long term is still quite high conviction in that. It is a satellite, so turning about 5% of your portfolio, which means that you will still have a nice amount there across that and the cybersecurity to be a more tech focused side of things.\n\nAnd then you'll still have a nice core of the S and P 500 and then also the BetaShares Australian two hundred as the core of your portfolio in that, if that makes sense. Yep. So within regards and you can see all the the changes there on page 15 once we get down to it. Obviously, there's a few words that do come before that. Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management.\n\nNow are taking a little bit more risk that you are going into those tech side of and then that Nasdaq investment that has been a little bit more volatile, but you are removing that manager risk. And, like, as you did see what happened within regards to Benelon when they did fuse, like, the the wrong sort of winners. It can sort of mean that it did not pay off, and you're paying more to have that sort of growth there as well. So at the moment, in terms of, like, the the Nasdaq itself, obviously, it hasn't done too great over sort of the year to date. It's down about 3%.\n\nNot to say that it, you know, it's gonna turn around instantly. With the war going on, it might still sort of hover or maybe even dip a little bit more still. But over the longer term period, and you sort of wanting to have a bit more tech focus there as well, looking at holding that long term, it's probably gonna end up up at the end of the day there as well. How much? I couldn't sort of say, but it just gives you that little bit more exposure, and it's only about 5%.\n\nSo it's a nice little satellite that if it goes gangbusters, it goes great. If it doesn't do too well, it doesn't mean that it's gonna, like, drastically impact your portfolio like your, like, 27% of Benelung holding that you did have, if that makes sense. So, yeah, the key holdings there, you still have quite a large share in the S and P five hundred at 35%. But given that it is sort of top 500 companies in America is high conviction and that moving forward still, you have 25% in the Australian beta shares and the Australian market as a whole. You know, obviously, the Benelong didn't do too well as Australian equities, but it's not been doing too bad either.\n\nAnd then you've got a little bit of exposure outside The US, Europe. And then with that, that cyber investment there as well, which gives you a nice sort of spread. In in conjunction with that, you do have the gold and the the composite bonds, which is your defensive portion there as well. But overall, it will save you moving forward in terms of costs. It'll be in line with your agreed risk profile.\n\nAnd then with that, you still have been ongoing client. We'd hope you have those regular reviews, and we can still focus that. And you'll have that little bit more of a greater exposure to the technology sector as as you wanted. Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain. But if it goes the other way, you're actually buying in at a lower cost as well.\n\nSo it's a bit of a fifty fifty, but selling low and buying low isn't a bad thing. It's just a volatile in the meantime. But I dare say given that everything sort of, you know, just kinda trickled down, there wasn't like a a nuclear bomb sort of drop that it shouldn't cause too much effect to you and especially over the long term there as well. Just something to be mindful of. We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long.\n\nIf it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that. And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame. We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market. We also considered holding it a bit more of an active portfolio, but due to the cost involved, the lower historical performance and how the indexes have been, you know, traveling so far and then having a little bit more risk with a bit more tech focused as opposed to those actively managed funds, it sort of balances out a little bit with the the lower cost and having those index investments as opposed to, like, active managements again active management again, if that makes sense.\n\nYep. Perfect. Yeah. On page 15, you will see those buyers and sales. So the main ones that you're getting rid of there is obviously the Ben Long, Ballym Lithium Tech actually did have a nice sort of rebound the past twelve months, so that's nice.\n\nAgriculture is sort of been a bit of a mute point there as well, and health care hasn't done too fantastic either over the longer period of time. The diversified Vanguard index hasn't been too bad in terms of, like, the return it has been getting. But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites. Do you have any questions in regards to those investments or the recommendation there, Christopher? Yep.\n\nYou do have in the appendix there as well all the links to those investments to be able to have a look at those and see if you were happy with those. Obviously, there's still quite a heavy weighting in sort of those indexes in terms of, like, isn't sort of spread, you know, evenly across all of them. Obviously, if you look at, like, the S and P 500 and it sort of returns over the past five to ten years, it's still quite a bit of consumer confidence in those still tracking quite well, And that's how the investment committee views it as well with that. And then sort of even though it has taken a little bit of a a dip there currently, it's sort of expected that it will still track nicely moving forward there as well. Even the the last year, I think it was around the the eighteen percent sort of mark.\n\nObviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well. Perfect. As far as the split, we obviously aim for that ninetyten sort of split. At the moment, the recommended portfolio is around 90 fivefive, and that's purely because they allocated gold as an alternative growth asset and didn't do, like, a split just because of how it has been performing in terms of the value of gold and how much it's grown capital wise as opposed to, like, being a bit more of a defensive asset and sort of market downturns and things like that as well. And downturns and things like that as well.\n\nIn saying that, it can sort of still act as a defensive portion somewhat aspect. Not to say it's fully defensive or fully growth, but it can be a bit of a split that here it's considered a 100% growth. As far as the projection goes there, I'm not a huge fan of projection because, obviously, things do change quite regularly. But in terms of, like, the fees, it'll obviously illustrate here on the table in page 17 that you will be saving $360 on fees alone. Obviously, the adviser fee with that higher portfolio and the projected growth, it might be charged a little bit more, but that's only if your portfolio is performing, like, higher.\n\nIt's just based on, like, a year's worth of projections. So with that, you will be guaranteed to save around the $360 mark in terms of, like, your investment costs for a portfolio that has been historically a little less volatile and also been performing better there for you as well. But even if it sort of performs, you know, a little bit better or roughly the same in that, you're still saving on money which compounds anyway. So it still will put you in a better off position even if the market stay a little bit more average for the next six to twelve months there for you. You can see the page over what that sort of looks like in terms of a projection, but as I said, the next five years will never replicate the last five years anyway.\n\nBut it just kind of shows you what that change sort of looks like between the the portfolios there. Perfect. And then within regards to your beneficiary nominations, they are up to date on Hub twenty four. And I do need to just quickly check your insurances. Yeah.\n\nAnd I think that one's up to date. Yeah. Perfect. So that's all up to date. And then just by maintaining that, obviously, spouse is a 100% tax dependent there and assist dependent, so she'll receive those funds tax free should anything happen to you.\n\nSo still get maintaining there. The main part there is just establishing a will to make sure that everything did happen, that you do have some estate planning measures in place. Now we can just pass along a bit of information from a local solicitor. Sometimes it is as easy to go to someone more local to you, but we can pass along that information pamphlet if you wanna see some general pricing and just a little bit about wills and estates. Yep.\n\nAs I said, they're just like a trusted partner. They do some stuff business wise here as far as as well. They have their own fees and services that isn't like the pamphlets we'll get you sent out just to have a look at those. And then if you can find someone cheaper or not happy days, be a no obligation to to use their service whatsoever, but they are trusted partner here that sort of we're happy to pass along the details for. Perfect.\n\nAnd then with that, you can establish, like, power of attorney as well, which we do recommend, whether it's your spouse or not. It just means that if anything happened where you're incapacitated, it just means that there is someone there that can make those financial decisions for you or medical decisions in the event that you can't make them yourself without having to petition the courts and things like that and can really sort of save some heartache and hassle and cost in the event that those things do occur. And then, obviously, you know, it's a lot of stress and sort of burden on family members when something does occur that you don't know exactly what your family's wishes would be if it comes to that point. So if you can put those into writing, it makes it a lot easier on them to take that decision sorta out of their hands. Perfect.\n\nAs far as the recommendation, obviously, I did get through the the last estate planning bit a little bit there quite quickly. But do you have any questions in regards to that investment change or what we are recommending there, Chris? Not a problem. Obviously, take your time and have a look through it, see if you come back with any questions or not. But as I said, quite simple, just the investment update and a little bit of estate planning side of things.\n\nAs far as remuneration, it is still just gonna be the 1.65%, which is around $60,170 dollars for a twelve month fee for you being an ongoing client. And then 22% of the insurance premiums with Zurich just for maintaining that policy. That's not an additional cost that you pay. It's just a cost there that we get from Zurich for maintaining the policy out of the premium you pay to them. We just disclose it because we obviously do get it, which means that total we get around $2,171 per annum there as a remuneration for the service there.\n\nAs far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you. It might take a few weeks with the managed funds to see that sort of happen. It just sort of means that, like, they do take some time to obviously sell down and pay out. And then with that, we'd change those underlying investments for you. And then as far as the estate planning side of things, it is up to you to organize with yourself and your spouse to to do with a a lawyer.\n\nThat would only be if you wanted to make any sort of changes to the advice, whether that be you don't wanna take on some form of the recommendation. Yeah. Otherwise, it Yep. Yeah. If you were happy Wait.\n\nI'm sorry. With the audio sign, you should receive, like, a certificate of completion still. I can't remember from memory what it would be exactly like, but you do have a copy of those documents all listed there anyway that you can download. It's obviously just not a saved one, but you can save all those PDFs down and you've got all the documents there anyway. It just might not be the the safe version of that, but we'll have a copy here and we can sort of send it to you at any point, like, from your time here or even if you leave as a client.\n\nNot oh, okay. Not a problem. But do you have any other questions while you've got me there, Chris, in regards to any of that? Did you want me to check-in that they reach out in six months regarding sort of seeing where you're at with things? Yep.\n\nI'll just track you down for a six month follow-up, and I'll get the team there to send out that lawyer information there for you. But is there anything else there that I can sort of answer or assist you with there today while you've got me? Not a problem at all. Any questions you do have, feel free to always just reach out, shoot us an email, or give us a a call. Not a problem.\n\nBut otherwise, I'll let you get back to you your day there, Chris. Cheers. Thank you. Bye now.","paragraphs":[{"sentences":[{"text":"Hi, Chris.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.22449897229671478},{"text":"It's Carl calling from OQ Financial.","start":3.04,"end":4.48,"sentiment":"neutral","sentiment_score":0.21431576957305273},{"text":"How are you today?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.31410010904073715},{"text":"Yeah.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.3438938856124878},{"text":"Not too bad at all.","start":7.2799997,"end":8.08,"sentiment":"positive","sentiment_score":0.4361788690090179}],"sentiment":"neutral","sentiment_score":0.30644895715845955,"num_words":18,"start":2.56,"end":8.08},{"sentences":[{"text":"Thanks for asking.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.7342984875043234},{"text":"I just scheduled in for your statement advice.","start":8.8,"end":10.4,"sentiment":"positive","sentiment_score":0.4566751606762409},{"text":"Presentation today.","start":10.4,"end":11.2,"sentiment":"neutral","sentiment_score":0.24728423357009888},{"text":"Is now still a good time?","start":11.2,"end":12.375,"sentiment":"neutral","sentiment_score":0.32339828213055927},{"text":"Perfect.","start":14.295,"end":14.695,"sentiment":"positive","sentiment_score":0.5251349210739136}],"sentiment":"positive","sentiment_score":0.44081949144601823,"num_words":20,"start":8.08,"end":14.695},{"sentences":[{"text":"If I could just grab your client pass so we can get stuck into that one today there, Chris.","start":14.695,"end":18.395,"sentiment":"positive","sentiment_score":0.356348128695237},{"text":"Perfect.","start":21.654999,"end":22.154999,"sentiment":"neutral","sentiment_score":0.3329727053642273},{"text":"It's Liliana, the full name, but I'll take it up.","start":22.215,"end":25.115,"sentiment":"neutral","sentiment_score":0.2156859129667282},{"text":"Just to to let you know, obviously yeah.","start":28.3,"end":30.3,"sentiment":"neutral","sentiment_score":0.013699298491701484},{"text":"But no.","start":30.3,"end":31.18,"sentiment":"neutral","sentiment_score":-0.07404886931180954}],"sentiment":"neutral","sentiment_score":0.23054857323877515,"num_words":40,"start":14.695,"end":31.18},{"sentences":[{"text":"That's that's more than fine.","start":31.18,"end":32.64,"sentiment":"neutral","sentiment_score":0.04867388345301151},{"text":"Perfect.","start":35.26,"end":35.76,"sentiment":"neutral","sentiment_score":0.2802213430404663},{"text":"Obviously, you only have the one grandmother probably named Lily Liliana.","start":36.7,"end":40.879997,"sentiment":"neutral","sentiment_score":0.07062972811135379},{"text":"Sorry.","start":40.94,"end":41.26,"sentiment":"neutral","sentiment_score":0.05811028182506561},{"text":"That's so it's easy for me to oh, okay.","start":41.26,"end":47.495,"sentiment":"neutral","sentiment_score":0.0643587393893136}],"sentiment":"neutral","sentiment_score":0.0717724705873816,"num_words":27,"start":31.18,"end":47.495},{"sentences":[{"text":"Okay.","start":47.635002,"end":47.955,"sentiment":"neutral","sentiment_score":0.07248230278491974},{"text":"Fair enough.","start":47.955,"end":48.515,"sentiment":"neutral","sentiment_score":0.09804074093699455},{"text":"There there you go.","start":48.515,"end":49.235,"sentiment":"neutral","sentiment_score":0.08392828330397606},{"text":"The more you know.","start":49.235,"end":50.114998,"sentiment":"neutral","sentiment_score":0.03936432581394911},{"text":"I might actually update.","start":50.114998,"end":51.415,"sentiment":"neutral","sentiment_score":0.08827012963593006}],"sentiment":"neutral","sentiment_score":0.07432098264495532,"num_words":15,"start":47.635002,"end":51.415},{"sentences":[{"text":"Perfect.","start":58.53,"end":59.03,"sentiment":"positive","sentiment_score":0.34508588910102844},{"text":"And just to confirm there, Chris, I know you did confirm your details, which is because it has been, like, a little bit since we sort of did speak ourselves.","start":60.61,"end":67.665,"sentiment":"neutral","sentiment_score":0.07896302665273348},{"text":"Can I just confirm that in regards to your situation?","start":67.725,"end":69.805,"sentiment":"neutral","sentiment_score":0.04960228092968464},{"text":"Has anything largely changed since we, like, originally had our conversation?","start":69.805,"end":73.745,"sentiment":"neutral","sentiment_score":-0.03797870180146261},{"text":"Yeah.","start":78.605,"end":79.005005,"sentiment":"neutral","sentiment_score":-0.018588509410619736}],"sentiment":"neutral","sentiment_score":0.05233292959911643,"num_words":53,"start":58.53,"end":79.005005},{"sentences":[{"text":"Late last year.","start":79.005005,"end":80.065,"sentiment":"neutral","sentiment_score":-0.03118356503546238},{"text":"Occupational, the same income.","start":85.43,"end":87.13,"sentiment":"neutral","sentiment_score":-0.04793405532836914},{"text":"Everything.","start":87.19,"end":87.59,"sentiment":"neutral","sentiment_score":-0.04851905629038811},{"text":"Debt may be a little bit different, but largely unchanged.","start":87.59,"end":90.01,"sentiment":"neutral","sentiment_score":-0.07973893284797669},{"text":"Perfect.","start":102.565,"end":103.045,"sentiment":"neutral","sentiment_score":0.3058611750602722}],"sentiment":"neutral","sentiment_score":-0.04343863821735507,"num_words":19,"start":79.005005,"end":103.045},{"sentences":[{"text":"Not a problem at all.","start":103.045,"end":104.425,"sentiment":"neutral","sentiment_score":0.29084732532501223},{"text":"Now in relation to the advice piece there today, it is quite simple in what we were doing.","start":105.125,"end":110.259995,"sentiment":"neutral","sentiment_score":0.27970990704165566},{"text":"We're just looking at that investment update really there for you to sprinkle in a little bit of estate planning for you.","start":110.259995,"end":115.939995,"sentiment":"neutral","sentiment_score":0.30343862487511203},{"text":"And then I know you are happy with your insurances, so we scope those out.","start":115.939995,"end":119.21999,"sentiment":"neutral","sentiment_score":0.28026051421960196},{"text":"But this will just be going to your email, sablo_25@live.com.au.","start":119.21999,"end":127.634995,"sentiment":"neutral","sentiment_score":0.09900906682014465}],"sentiment":"neutral","sentiment_score":0.2622666154588972,"num_words":70,"start":103.045,"end":127.634995},{"sentences":[{"text":"I'll send that now, and, hopefully, it comes through in a second.","start":128.095,"end":130.495,"sentiment":"neutral","sentiment_score":0.0844321771680067},{"text":"It might just take a little bit there, and then we'll run through that document together.","start":130.495,"end":134.035,"sentiment":"neutral","sentiment_score":0.03401715669315308},{"text":"And how much time do you sort of have spare?","start":134.63,"end":137.37,"sentiment":"neutral","sentiment_score":0.012393707223236562},{"text":"I can make it quite quick for you if you sort of still have to get back to work, or I can take a little bit more time depending on yep.","start":137.51,"end":155.14499,"sentiment":"neutral","sentiment_score":0.1574182796382135},{"text":"And then with that one there, what was the value of the home that 20 4.","start":173.39499,"end":179.735,"sentiment":"neutral","sentiment_score":0.10653203865513206}],"sentiment":"neutral","sentiment_score":0.09724561167771326,"num_words":85,"start":128.095,"end":179.735},{"sentences":[{"text":"Yep.","start":181.155,"end":181.635,"sentiment":"neutral","sentiment_score":0.14433284103870392},{"text":"And have you thought about, like, obviously, I know the interest rates did go up the other day, but have you thought about, like, refinancing and things like that in terms?","start":181.635,"end":190.25,"sentiment":"neutral","sentiment_score":0.014896800621382652},{"text":"Yep.","start":205.205,"end":205.685,"sentiment":"neutral","sentiment_score":0.0957918018102646},{"text":"In terms of, like, an investment portfolio and or Yeah.","start":205.685,"end":224.425,"sentiment":"neutral","sentiment_score":0.06294616013765335},{"text":"Yep.","start":224.425,"end":224.925,"sentiment":"neutral","sentiment_score":0.2351536005735397}],"sentiment":"neutral","sentiment_score":0.03560319691049782,"num_words":44,"start":181.155,"end":224.925},{"sentences":[{"text":"So, obviously, like, the sort of steps in what we sort of generally space out is, like, given, like, the current legislation that is, is investment properties are a really good tool in terms of, like, a next step investment from your primary resident just purely for the fact that the interest accrued on those loans for investment properties at the moment given the legislation is a 100% a tax deduction in terms of, like, the cost you are paying, and it can just help if it is sort of things like negatively geared, reducing your, you know, your taxable income, things like that as well where you you slightly could be making more if you are getting the capital growth out of that plus some money going towards the the principal as well.","start":232.505,"end":276.9,"sentiment":"neutral","sentiment_score":0.16465789888665747},{"text":"Making more into the sense that you're saving on some form of tax and then having some deductions, being able to, like, improve the the property, things like that as well.","start":278.795,"end":288.255,"sentiment":"positive","sentiment_score":0.5010969110073582},{"text":"It's a tool that's a bit more tangible.","start":289.195,"end":290.715,"sentiment":"positive","sentiment_score":0.5943672880530357},{"text":"People are a bit more comfortable with it as well.","start":290.715,"end":292.8,"sentiment":"positive","sentiment_score":0.6168756008148193},{"text":"Not to say it's for everyone.","start":293.19998,"end":294.74,"sentiment":"neutral","sentiment_score":0.18756014108657837}],"sentiment":"neutral","sentiment_score":0.26268369233403255,"num_words":189,"start":232.505,"end":294.74},{"sentences":[{"text":"It is just a nice tool.","start":295.12,"end":296.47998,"sentiment":"positive","sentiment_score":0.5906651218732198},{"text":"And then, obviously, with the capital gains reform, it's like they might also change those rules in terms of, like, investment properties and how much of a tax deduction you do get with regards to, like, capital gains and how much you actually have to pay moving forward.","start":296.47998,"end":311.715,"sentiment":"neutral","sentiment_score":0.14950538791405657},{"text":"But in saying that exactly.","start":313.61502,"end":318.67502,"sentiment":"neutral","sentiment_score":-0.019484828412532806},{"text":"And sort of is it a lot of people too like, this is obviously long, long term.","start":318.73502,"end":323.61,"sentiment":"neutral","sentiment_score":-0.01103824924896745},{"text":"If you're looking sort of, like, I'm not too sure, like, what your sort of area is like and what you sort of wanna do in the future, but if you look to an area that you wanna potentially retire, whether or not you'd either beach, things like that, and getting in as an investment earlier, you can look to sort of use your primary now to then downsize into your investment later in life, and it really isn't much of an issue moving forward.","start":323.75,"end":347.5,"sentiment":"neutral","sentiment_score":0.10098550367470392}],"sentiment":"neutral","sentiment_score":0.1181300794047749,"num_words":161,"start":295.12,"end":347.5},{"sentences":[{"text":"You can sort of, you know, get the benefit of being a primary being sold, downsizing to your investment where you wanna look at retiring and say twenty, thirty years time down the track anyway when you might be looking to do that.","start":347.72,"end":358.94,"sentiment":"neutral","sentiment_score":0.23533184514489286},{"text":"It's just sort of that forward thinking that you can do.","start":359.24002,"end":363.25497,"sentiment":"neutral","sentiment_score":-0.020150791176340797},{"text":"Yeah.","start":373.81,"end":374.31,"sentiment":"neutral","sentiment_score":-0.07373599708080292},{"text":"Yep.","start":381.57,"end":381.97,"sentiment":"neutral","sentiment_score":-0.05018612742424011},{"text":"And, yeah, obviously, that's like your sort of other option looking those, like, ROI areas and then just sort of getting the growth out of it as well.","start":381.97,"end":390.18503,"sentiment":"neutral","sentiment_score":0.06715359325919833}],"sentiment":"neutral","sentiment_score":0.13873796577432326,"num_words":84,"start":347.72,"end":390.18503},{"sentences":[{"text":"Obviously, be mindful, like, you know, it's selling within twelve months and things like that.","start":390.24503,"end":393.845,"sentiment":"neutral","sentiment_score":-0.09383110540608565},{"text":"Obviously, you met the twelve month rule, but, you know, same two d things like that and the cost of buying and selling can eat away at those sort of things as well.","start":393.845,"end":401.625,"sentiment":"neutral","sentiment_score":-0.24858912554654208},{"text":"That's more than fine.","start":402.68,"end":403.47998,"sentiment":"neutral","sentiment_score":0.2121492326259613},{"text":"We can sort of refer you to a mortgage broker here if you do want a second opinion or if you've got your own one as well.","start":403.47998,"end":408.78,"sentiment":"neutral","sentiment_score":0.13496182141480623},{"text":"In regards to that, as far as, like, the investment portfolios crypto we don't touch, it's just through the risky nature of it.","start":409.47998,"end":416.52,"sentiment":"neutral","sentiment_score":-0.01356358405040658}],"sentiment":"neutral","sentiment_score":-0.053238274986106976,"num_words":102,"start":390.24503,"end":416.52},{"sentences":[{"text":"That's fine.","start":416.52,"end":417.34,"sentiment":"neutral","sentiment_score":0.1613607108592987},{"text":"If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund.","start":417.71997,"end":427.985,"sentiment":"neutral","sentiment_score":0.15729130581021308},{"text":"We can pair it with, like, your platform.","start":427.985,"end":430.38,"sentiment":"neutral","sentiment_score":0.24656207486987114},{"text":"Hub 24 has the option to have IDPSs, and it can reduce administration costs.","start":430.46,"end":434.78,"sentiment":"neutral","sentiment_score":0.26191180625132154},{"text":"You can look to just have it personal on a few of those platforms there as well that you can be able to just manage it yourself depending on the amount and depending how much freedom you want with it.","start":434.78,"end":444.7,"sentiment":"neutral","sentiment_score":0.2975542038679123}],"sentiment":"neutral","sentiment_score":0.24024351741722288,"num_words":94,"start":416.52,"end":444.7},{"sentences":[{"text":"Because, obviously, if you're looking to day trade a little bit more, be a little bit more actively involved in it, we're a little bit more long term sort of investment time horizons, and we can sort of facilitate some changes to a degree.","start":444.7,"end":457.045,"sentiment":"neutral","sentiment_score":0.132451748306101},{"text":"But if it comes like a a daily sort of, you know, a sell trade or quite regular trades, it doesn't really sort of fall in line with what we sort of do, and then the liability comes a bit different as well, if that makes sense.","start":457.045,"end":470.63,"sentiment":"neutral","sentiment_score":0.006960211123557801},{"text":"Perfect.","start":472.625,"end":472.94498,"sentiment":"positive","sentiment_score":0.4663290381431579},{"text":"Do you have any questions around that at all before we get started there, Christopher?","start":472.94498,"end":476.005,"sentiment":"neutral","sentiment_score":0.20748564302921296},{"text":"Not a problem.","start":477.425,"end":478.065,"sentiment":"neutral","sentiment_score":0.25293317437171936}],"sentiment":"neutral","sentiment_score":0.09538563686338337,"num_words":110,"start":444.7,"end":478.065},{"sentences":[{"text":"Did you get that email that I sent there come through?","start":478.065,"end":480.72498,"sentiment":"neutral","sentiment_score":0.1015553271228617},{"text":"For the the statement of advice.","start":495.775,"end":497.13498,"sentiment":"neutral","sentiment_score":0.056754287953178086},{"text":"Obviously, there is a signable link there if you were happy with everything to sign the advice.","start":497.13498,"end":500.755,"sentiment":"positive","sentiment_score":0.3774489111760083},{"text":"If you were, you can just open up the statement advice just to read through it with me.","start":501.13498,"end":505.055,"sentiment":"neutral","sentiment_score":0.2354883129398028},{"text":"There are a few other attachments there for you.","start":505.055,"end":507.395,"sentiment":"neutral","sentiment_score":0.2157993879583147}],"sentiment":"neutral","sentiment_score":0.23041393345252412,"num_words":61,"start":478.065,"end":507.395},{"sentences":[{"text":"Just the PDFs is in regards to your superannuation product still, And then you've also got your appendix to the statement of advice as well.","start":507.535,"end":515.07,"sentiment":"neutral","sentiment_score":0.1792428535223007},{"text":"And then you've also got within that one the new OQ services guide and financial services guide there as well just to be able to see the updated changes there as well for you.","start":515.85004,"end":526.065,"sentiment":"neutral","sentiment_score":0.19141432423801982},{"text":"Perfect.","start":528.705,"end":529.205,"sentiment":"positive","sentiment_score":0.7589653730392456},{"text":"Obviously, for the document itself, it was finalized there on the the March 11 and when it was finally printed to to PDF, obviously, getting you booked in and everything.","start":530.385,"end":537.265,"sentiment":"positive","sentiment_score":0.3431041230758031},{"text":"But it is created for yourself, prepared by myself and the team there as an authorized representative under OQ Financial.","start":537.265,"end":543.35,"sentiment":"neutral","sentiment_score":0.21248889341950417}],"sentiment":"neutral","sentiment_score":0.2390093208713965,"num_words":110,"start":507.535,"end":543.35},{"sentences":[{"text":"In regards to best interest duty, we obviously make the recommendations with the best interest duty in mind that we're trying to put you in a better position the way you are currently.","start":544.77,"end":552.79,"sentiment":"neutral","sentiment_score":0.21913371099667114},{"text":"Now if you go over the next sort of pages, you will see your goals and sort of how we came to that that scoping.","start":553.33,"end":558.395,"sentiment":"neutral","sentiment_score":0.0916262885928154},{"text":"So in regards to this advice piece, as I say, quite simple in terms of what we're trying to cover, we were just looking at Hub twenty four and exploring the investments to try and strength strengthen that performance due to that Benelong and what did occur with that one and just putting in a position for another sort of stint of of, like, growth and sustained growth as well of where they believe the, you know, the investment direction of the company is headed and where the market's headed there as well.","start":558.395,"end":582.68994,"sentiment":"neutral","sentiment_score":0.17135372008847935},{"text":"But, also in regards to the estate planning side of things, I know we didn't really touch too much on it in terms of, like, what you wanted.","start":582.68994,"end":588.475,"sentiment":"neutral","sentiment_score":0.023704978304782083},{"text":"But given, you know, you do have, you know, some assets there that are accruing now and you've got the younger family, it's sort of important to have those sort of measures in place there as well for you.","start":588.475,"end":598.8,"sentiment":"neutral","sentiment_score":0.1325869847757694}],"sentiment":"neutral","sentiment_score":0.1435440249758166,"num_words":218,"start":544.77,"end":598.8},{"sentences":[{"text":"As far as what wasn't considered, we did have a chat about insurances there, but you're happy with the amount of cover you currently hold.","start":600.16,"end":606.95996,"sentiment":"neutral","sentiment_score":0.05746450727805495},{"text":"Now with debts and things, how does that changes in the future as well?","start":606.95996,"end":609.51996,"sentiment":"neutral","sentiment_score":0.029586749617010355},{"text":"You may wanna revisit that, but it isn't in this advice piece.","start":609.51996,"end":612.42,"sentiment":"neutral","sentiment_score":-0.06408262345939875},{"text":"In addition to that, budgeting and saving, I know you were saving down and trying to pay down some of that debt for your property.","start":612.56,"end":621.135,"sentiment":"neutral","sentiment_score":0.04846404418349266},{"text":"No.","start":626.65,"end":626.81,"sentiment":"neutral","sentiment_score":-0.18358005583286283}],"sentiment":"neutral","sentiment_score":0.027400736932872566,"num_words":77,"start":600.16,"end":626.81},{"sentences":[{"text":"That's fine.","start":626.81,"end":627.63,"sentiment":"neutral","sentiment_score":0.04681190475821495},{"text":"As far as, yeah, paying down those debts to save for potential property in the future as well and some other alternative assets, that's obviously been a goal, but we didn't do anything in regards to cash flow and budgeting for you.","start":627.69,"end":637.905,"sentiment":"neutral","sentiment_score":0.11102751394112904},{"text":"And then within regards to that, you're still saying that, like, down the track and sort of mid issue when you come off that, you're still looking at doing those alternative investments.","start":638.465,"end":646.645,"sentiment":"neutral","sentiment_score":0.05208600836340338},{"text":"But for now, it's not in this advice piece.","start":646.705,"end":649.04504,"sentiment":"neutral","sentiment_score":-0.11821451576219665},{"text":"And then the property, as I said, we can refer you on to a broker.","start":649.265,"end":652.48,"sentiment":"neutral","sentiment_score":0.011424872279167175}],"sentiment":"neutral","sentiment_score":0.05530974105000496,"num_words":100,"start":626.81,"end":652.48},{"sentences":[{"text":"We can discuss and sort of provide advice on the broader financial aspects of it.","start":652.48,"end":656.07996,"sentiment":"neutral","sentiment_score":0.0349609134097894},{"text":"But as far as, like, products and actual properties as well, that's not something a financial adviser does, unfortunately.","start":656.07996,"end":661.38,"sentiment":"neutral","sentiment_score":-0.16836136716761088},{"text":"As far as your limited advice warning, it just pertains to the fact that we are only providing advice on that super and estate planning side of things in this advice piece.","start":663.455,"end":670.435,"sentiment":"neutral","sentiment_score":-0.07395634241402149},{"text":"And on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that.","start":670.735,"end":685.66,"sentiment":"neutral","sentiment_score":0.07486682599815338},{"text":"Now, obviously, it's very sound straightforward.","start":685.95996,"end":688.22,"sentiment":"neutral","sentiment_score":0.27718959003686905}],"sentiment":"neutral","sentiment_score":0.0005589517275408162,"num_words":118,"start":652.48,"end":688.22},{"sentences":[{"text":"Obviously, there's, a whole bunch of words that follow that we can run through there.","start":688.27997,"end":692.78503,"sentiment":"neutral","sentiment_score":0.07329096595446269},{"text":"But do you have any sort of questions in regards to that so far?","start":692.78503,"end":695.585,"sentiment":"neutral","sentiment_score":-0.005634922933365617},{"text":"As I said, no.","start":695.585,"end":696.385,"sentiment":"neutral","sentiment_score":-0.280354380607605},{"text":"It's not so good.","start":696.385,"end":697.265,"sentiment":"negative","sentiment_score":-0.649153858423233},{"text":"Yeah.","start":697.265,"end":697.505,"sentiment":"neutral","sentiment_score":-0.14119882881641388}],"sentiment":"neutral","sentiment_score":-0.07470411096552484,"num_words":38,"start":688.27997,"end":697.505},{"sentences":[{"text":"Okay.","start":697.505,"end":697.905,"sentiment":"neutral","sentiment_score":-0.04632028937339783},{"text":"No problem.","start":697.905,"end":698.645,"sentiment":"neutral","sentiment_score":0.07464690506458282},{"text":"Yep.","start":700.945,"end":701.445,"sentiment":"neutral","sentiment_score":0.16545024514198303},{"text":"We try to keep it a simple, stupid.","start":701.585,"end":703.745,"sentiment":"neutral","sentiment_score":0.09876651410013437},{"text":"We don't wanna sorta trick you up in any sort of sense.","start":703.745,"end":707.67,"sentiment":"neutral","sentiment_score":-0.11424202565103769}],"sentiment":"neutral","sentiment_score":-0.013014517879734436,"num_words":24,"start":697.505,"end":707.67},{"sentences":[{"text":"Now in the next page over, you will see your details there.","start":707.67,"end":710.87,"sentiment":"neutral","sentiment_score":0.06585557976116736},{"text":"So if you could just confirm that these are all correct on that page and the next page over for your assets and liabilities.","start":710.87,"end":716.08997,"sentiment":"neutral","sentiment_score":0.11332181158165137},{"text":"As I said, they're all just based on those older figures, so the property has gone up a bit slightly in saying that we can provide an updated advice piece to illustrate the million dollars, but we see it doesn't change what we're recommending at the end of the day as well.","start":717.19,"end":730.695,"sentiment":"neutral","sentiment_score":0.010384167723644238},{"text":"Ready.","start":732.755,"end":733.255,"sentiment":"neutral","sentiment_score":0.03275831788778305},{"text":"Yep.","start":746.785,"end":747.105,"sentiment":"neutral","sentiment_score":0.1972847282886505}],"sentiment":"neutral","sentiment_score":0.047555668921106395,"num_words":90,"start":707.67,"end":747.105},{"sentences":[{"text":"So down to that part, we'll just touch you on the high growth there.","start":747.105,"end":749.345,"sentiment":"neutral","sentiment_score":0.2676994779280254},{"text":"Obviously, you did score that high growth, and that's that's still ninety ten split.","start":749.345,"end":752.385,"sentiment":"positive","sentiment_score":0.35409450637442724},{"text":"Do you have any questions in regards to your risk profile score on maintaining that?","start":752.385,"end":756.40497,"sentiment":"neutral","sentiment_score":0.06208615389962991},{"text":"Yes.","start":774.175,"end":774.675,"sentiment":"neutral","sentiment_score":-0.05991720035672188},{"text":"I understand your concerns in regards to that.","start":774.895,"end":778.09503,"sentiment":"neutral","sentiment_score":-0.1869417354464531}],"sentiment":"neutral","sentiment_score":0.15540301932308537,"num_words":52,"start":747.105,"end":778.09503},{"sentences":[{"text":"So as far as working wise considered, you're very much a spring chicken in the sense that you're working for another twenty seven years before you even get the chance to try and touch your super.","start":778.09503,"end":786.89,"sentiment":"neutral","sentiment_score":-0.2664144817325804},{"text":"And then that's if the government doesn't change anything along the way.","start":787.11,"end":790.63,"sentiment":"neutral","sentiment_score":-0.19260215324660143},{"text":"Fingers crossed, knock wood.","start":790.63,"end":792.08997,"sentiment":"neutral","sentiment_score":-0.06680608540773392},{"text":"But that's quite a huge time frame to be invested and remain invested in those sort of growth assets and those high growth assets to where that these sort of dips in the market and the blips of, like, COVID and things like that.","start":792.79,"end":805.355,"sentiment":"neutral","sentiment_score":-0.1700001573190093},{"text":"It it's not great in the sense that you do lose it on a paper value, and it's obviously great if everything goes up all the time.","start":805.65497,"end":811.495,"sentiment":"negative","sentiment_score":-0.4662378231684367}],"sentiment":"neutral","sentiment_score":-0.2620959322808719,"num_words":123,"start":778.09503,"end":811.495},{"sentences":[{"text":"But in saying that, that's sort of unsustainable in a sense anyway.","start":811.495,"end":814.71497,"sentiment":"negative","sentiment_score":-0.5994189927975336},{"text":"With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value.","start":815.095,"end":825.63,"sentiment":"negative","sentiment_score":-0.3508712843888336},{"text":"So, you know, a year of bad sort of growth now is, like, everything sort of sitting low, your contribution's going in.","start":825.63,"end":831.17004,"sentiment":"negative","sentiment_score":-0.43723315271464264},{"text":"Once they sort of start to recover from that, you know, the war stops, it means you bought more for less at that time, and then the recovery should be a little bit nicer on the back end as well for you.","start":831.305,"end":840.845,"sentiment":"positive","sentiment_score":0.36177969067579224},{"text":"Exactly.","start":853.32,"end":853.82,"sentiment":"neutral","sentiment_score":0.1843855381011963}],"sentiment":"neutral","sentiment_score":-0.12446363685669097,"num_words":113,"start":811.495,"end":853.82},{"sentences":[{"text":"And it's much too, like, same as owning your own home.","start":853.95996,"end":856.815,"sentiment":"neutral","sentiment_score":0.10092322392897173},{"text":"If someone told you tomorrow that your house is only worth a dollar, you're not gonna go out tomorrow and go, I'm gonna sell my house for a dollar.","start":856.815,"end":862.675,"sentiment":"neutral","sentiment_score":-0.125442899249751},{"text":"You're gonna go, I have it.","start":862.815,"end":865.215,"sentiment":"neutral","sentiment_score":-0.23259778320789337},{"text":"I'm gonna hold it.","start":865.215,"end":866.175,"sentiment":"neutral","sentiment_score":-0.06228620000183582},{"text":"You know, I know the value is gonna increase and, you know, the the sort of, you know, more people than there is things going around and that's never gonna change.","start":866.175,"end":873.12,"sentiment":"neutral","sentiment_score":0.018412635932045597}],"sentiment":"neutral","sentiment_score":-0.044464548152905924,"num_words":81,"start":853.95996,"end":873.12},{"sentences":[{"text":"So consumer driven growth is always going to be a thing.","start":873.12,"end":876.66,"sentiment":"neutral","sentiment_score":0.207550433549014},{"text":"As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving.","start":879.36,"end":892.955,"sentiment":"neutral","sentiment_score":0.17628646163003786},{"text":"Not just Benelon itself.","start":893.255,"end":894.375,"sentiment":"neutral","sentiment_score":-0.008919829968363047},{"text":"We looked at the entire portfolio on how we can sort of better manage that moving forward and with the update.","start":894.375,"end":900.17,"sentiment":"neutral","sentiment_score":0.2027256999697004},{"text":"Now obviously, we kept in line with the high growth portfolio, in line with you, re subjected in that long term time horizon.","start":900.47003,"end":906.33,"sentiment":"neutral","sentiment_score":0.22192158226085745}],"sentiment":"neutral","sentiment_score":0.18824596959396755,"num_words":101,"start":873.12,"end":906.33},{"sentences":[{"text":"But in saying that as well, you were quite focused on having a bit of a greater exposure in the tech sector and aiming for that longer term growth.","start":907.03,"end":915.945,"sentiment":"neutral","sentiment_score":0.15002327065529494},{"text":"So with that, we did look at switching some of your investments for that Nasdaq investment that hold those companies as well.","start":916.245,"end":922.95,"sentiment":"neutral","sentiment_score":0.18154696679928087},{"text":"Good thing for you is the Nasdaq did take a bit of a dive sort of during February then, so you will be buying into that a lower amount.","start":923.03,"end":930.55,"sentiment":"positive","sentiment_score":0.44014030181128405},{"text":"But, obviously, tech side of things long term is still quite high conviction in that.","start":930.55,"end":935.865,"sentiment":"positive","sentiment_score":0.430245089236026},{"text":"It is a satellite, so turning about 5% of your portfolio, which means that you will still have a nice amount there across that and the cybersecurity to be a more tech focused side of things.","start":936.185,"end":946.985,"sentiment":"positive","sentiment_score":0.34939298530419666}],"sentiment":"neutral","sentiment_score":0.30641679908859876,"num_words":131,"start":907.03,"end":946.985},{"sentences":[{"text":"And then you'll still have a nice core of the S and P 500 and then also the BetaShares Australian two hundred as the core of your portfolio in that, if that makes sense.","start":946.985,"end":956.51,"sentiment":"positive","sentiment_score":0.333492311046404},{"text":"Yep.","start":958.57,"end":959.07,"sentiment":"neutral","sentiment_score":0.15104994177818298},{"text":"So within regards and you can see all the the changes there on page 15 once we get down to it.","start":959.77,"end":964.875,"sentiment":"neutral","sentiment_score":0.12034987942093894},{"text":"Obviously, there's a few words that do come before that.","start":964.875,"end":967.295,"sentiment":"neutral","sentiment_score":0.05832967050373554},{"text":"Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management.","start":968.795,"end":976.475,"sentiment":"neutral","sentiment_score":0.10247190948575735}],"sentiment":"neutral","sentiment_score":0.18955287242101299,"num_words":90,"start":946.985,"end":976.475},{"sentences":[{"text":"Now are taking a little bit more risk that you are going into those tech side of and then that Nasdaq investment that has been a little bit more volatile, but you are removing that manager risk.","start":976.475,"end":985.51,"sentiment":"neutral","sentiment_score":-0.10586225483063105},{"text":"And, like, as you did see what happened within regards to Benelon when they did fuse, like, the the wrong sort of winners.","start":985.57,"end":993.1616,"sentiment":"neutral","sentiment_score":-0.1624538419039353},{"text":"It can sort of mean that it did not pay off, and you're paying more to have that sort of growth there as well.","start":993.1616,"end":999.635,"sentiment":"neutral","sentiment_score":-0.21545401060332856},{"text":"So at the moment, in terms of, like, the the Nasdaq itself, obviously, it hasn't done too great over sort of the year to date.","start":999.935,"end":1009.19,"sentiment":"neutral","sentiment_score":-0.13429259717464448},{"text":"It's down about 3%.","start":1009.19,"end":1010.39,"sentiment":"neutral","sentiment_score":-0.19265474751591682}],"sentiment":"neutral","sentiment_score":-0.1500192209418896,"num_words":113,"start":976.475,"end":1010.39},{"sentences":[{"text":"Not to say that it, you know, it's gonna turn around instantly.","start":1010.39,"end":1013.11,"sentiment":"neutral","sentiment_score":-0.14917425997555256},{"text":"With the war going on, it might still sort of hover or maybe even dip a little bit more still.","start":1013.11,"end":1017.13,"sentiment":"neutral","sentiment_score":-0.16987944804131985},{"text":"But over the longer term period, and you sort of wanting to have a bit more tech focus there as well, looking at holding that long term, it's probably gonna end up up at the end of the day there as well.","start":1017.64496,"end":1028.945,"sentiment":"neutral","sentiment_score":0.006517835227506501},{"text":"How much?","start":1029.165,"end":1029.645,"sentiment":"neutral","sentiment_score":0.0214834026992321},{"text":"I couldn't sort of say, but it just gives you that little bit more exposure, and it's only about 5%.","start":1029.645,"end":1034.19,"sentiment":"neutral","sentiment_score":0.022291705990210176}],"sentiment":"neutral","sentiment_score":-0.046095104955990486,"num_words":96,"start":1010.39,"end":1034.19},{"sentences":[{"text":"So it's a nice little satellite that if it goes gangbusters, it goes great.","start":1034.19,"end":1037.5499,"sentiment":"positive","sentiment_score":0.5494976873908725},{"text":"If it doesn't do too well, it doesn't mean that it's gonna, like, drastically impact your portfolio like your, like, 27% of Benelung holding that you did have, if that makes sense.","start":1037.5499,"end":1047.9349,"sentiment":"neutral","sentiment_score":0.01627234573243186},{"text":"So, yeah, the key holdings there, you still have quite a large share in the S and P five hundred at 35%.","start":1051.0349,"end":1056.475,"sentiment":"neutral","sentiment_score":0.2597738023508679},{"text":"But given that it is sort of top 500 companies in America is high conviction and that moving forward still, you have 25% in the Australian beta shares and the Australian market as a whole.","start":1056.475,"end":1065.8099,"sentiment":"positive","sentiment_score":0.41835745019572124},{"text":"You know, obviously, the Benelong didn't do too well as Australian equities, but it's not been doing too bad either.","start":1066.0299,"end":1070.9299,"sentiment":"neutral","sentiment_score":0.17959098778665067}],"sentiment":"neutral","sentiment_score":0.2614881044814015,"num_words":123,"start":1034.19,"end":1070.9299},{"sentences":[{"text":"And then you've got a little bit of exposure outside The US, Europe.","start":1071.7849,"end":1075.485,"sentiment":"neutral","sentiment_score":0.1380262919343435},{"text":"And then with that, that cyber investment there as well, which gives you a nice sort of spread.","start":1077.1449,"end":1082.6849,"sentiment":"neutral","sentiment_score":0.3293422965539826},{"text":"In in conjunction with that, you do have the gold and the the composite bonds, which is your defensive portion there as well.","start":1082.825,"end":1090.415,"sentiment":"neutral","sentiment_score":0.29257444648639014},{"text":"But overall, it will save you moving forward in terms of costs.","start":1090.415,"end":1094.4321,"sentiment":"positive","sentiment_score":0.6242675359050432},{"text":"It'll be in line with your agreed risk profile.","start":1094.4321,"end":1097.445,"sentiment":"positive","sentiment_score":0.48659271995226544}],"sentiment":"positive","sentiment_score":0.35096347083648044,"num_words":75,"start":1071.7849,"end":1097.445},{"sentences":[{"text":"And then with that, you still have been ongoing client.","start":1097.5249,"end":1099.6849,"sentiment":"neutral","sentiment_score":0.2792734280228615},{"text":"We'd hope you have those regular reviews, and we can still focus that.","start":1099.6849,"end":1102.565,"sentiment":"neutral","sentiment_score":0.2913607977903806},{"text":"And you'll have that little bit more of a greater exposure to the technology sector as as you wanted.","start":1102.565,"end":1107.3849,"sentiment":"neutral","sentiment_score":0.2818330487138347},{"text":"Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain.","start":1111.22,"end":1127.5751,"sentiment":"neutral","sentiment_score":-0.18337748114909255},{"text":"But if it goes the other way, you're actually buying in at a lower cost as well.","start":1127.5751,"end":1131.255,"sentiment":"neutral","sentiment_score":0.18370218224385204}],"sentiment":"neutral","sentiment_score":0.021999193954148462,"num_words":126,"start":1097.5249,"end":1131.255},{"sentences":[{"text":"So it's a bit of a fifty fifty, but selling low and buying low isn't a bad thing.","start":1131.255,"end":1135.175,"sentiment":"neutral","sentiment_score":0.0919835079047415},{"text":"It's just a volatile in the meantime.","start":1135.175,"end":1136.6951,"sentiment":"neutral","sentiment_score":0.036239984312227795},{"text":"But I dare say given that everything sort of, you know, just kinda trickled down, there wasn't like a a nuclear bomb sort of drop that it shouldn't cause too much effect to you and especially over the long term there as well.","start":1136.6951,"end":1148.9601,"sentiment":"neutral","sentiment_score":0.0641806086655273},{"text":"Just something to be mindful of.","start":1149.355,"end":1150.975,"sentiment":"neutral","sentiment_score":-0.03470458462834358},{"text":"We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long.","start":1152.5549,"end":1158.6349,"sentiment":"neutral","sentiment_score":-0.0696385032074018}],"sentiment":"neutral","sentiment_score":0.030509110695372026,"num_words":96,"start":1131.255,"end":1158.6349},{"sentences":[{"text":"If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that.","start":1158.6349,"end":1164.36,"sentiment":"neutral","sentiment_score":-0.19326084673404695},{"text":"And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame.","start":1164.84,"end":1172.78,"sentiment":"neutral","sentiment_score":-0.06387231977922576},{"text":"We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market.","start":1175.4,"end":1194.41,"sentiment":"neutral","sentiment_score":0.24576562565209262},{"text":"We also considered holding it a bit more of an active portfolio, but due to the cost involved, the lower historical performance and how the indexes have been, you know, traveling so far and then having a little bit more risk with a bit more tech focused as opposed to those actively managed funds, it sort of balances out a little bit with the the lower cost and having those index investments as opposed to, like, active managements again active management again, if that makes sense.","start":1195.91,"end":1221.7301,"sentiment":"neutral","sentiment_score":0.03340363617293363}],"sentiment":"neutral","sentiment_score":0.06174302673491749,"num_words":206,"start":1158.6349,"end":1221.7301},{"sentences":[{"text":"Yep.","start":1223.31,"end":1223.63,"sentiment":"positive","sentiment_score":0.34719523787498474},{"text":"Perfect.","start":1223.63,"end":1224.13,"sentiment":"positive","sentiment_score":0.48203808069229126},{"text":"Yeah.","start":1225.0701,"end":1225.31,"sentiment":"neutral","sentiment_score":0.2167020887136459},{"text":"On page 15, you will see those buyers and sales.","start":1225.31,"end":1227.7101,"sentiment":"neutral","sentiment_score":0.09795205146074296},{"text":"So the main ones that you're getting rid of there is obviously the Ben Long, Ballym Lithium Tech actually did have a nice sort of rebound the past twelve months, so that's nice.","start":1227.7101,"end":1236.665,"sentiment":"neutral","sentiment_score":0.19191649025588325}],"sentiment":"neutral","sentiment_score":0.18171087174635867,"num_words":46,"start":1223.31,"end":1236.665},{"sentences":[{"text":"Agriculture is sort of been a bit of a mute point there as well, and health care hasn't done too fantastic either over the longer period of time.","start":1236.965,"end":1244.485,"sentiment":"neutral","sentiment_score":0.046661864700061936},{"text":"The diversified Vanguard index hasn't been too bad in terms of, like, the return it has been getting.","start":1244.485,"end":1250.4299,"sentiment":"neutral","sentiment_score":0.1268453560769558},{"text":"But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites.","start":1250.4299,"end":1264.225,"sentiment":"neutral","sentiment_score":0.029878370091319086},{"text":"Do you have any questions in regards to those investments or the recommendation there, Christopher?","start":1268.845,"end":1274.5449,"sentiment":"neutral","sentiment_score":0.05543570617834727},{"text":"Yep.","start":1278.56,"end":1278.96,"sentiment":"neutral","sentiment_score":0.22577844560146332}],"sentiment":"neutral","sentiment_score":0.05727644571486641,"num_words":102,"start":1236.965,"end":1278.96},{"sentences":[{"text":"You do have in the appendix there as well all the links to those investments to be able to have a look at those and see if you were happy with those.","start":1278.96,"end":1286.26,"sentiment":"neutral","sentiment_score":0.2290167803876102},{"text":"Obviously, there's still quite a heavy weighting in sort of those indexes in terms of, like, isn't sort of spread, you know, evenly across all of them.","start":1286.32,"end":1293.9049,"sentiment":"neutral","sentiment_score":0.04734011463544987},{"text":"Obviously, if you look at, like, the S and P 500 and it sort of returns over the past five to ten years, it's still quite a bit of consumer confidence in those still tracking quite well, And that's how the investment committee views it as well with that.","start":1293.9049,"end":1307.51,"sentiment":"positive","sentiment_score":0.42054677161635184},{"text":"And then sort of even though it has taken a little bit of a a dip there currently, it's sort of expected that it will still track nicely moving forward there as well.","start":1307.5701,"end":1317.11,"sentiment":"positive","sentiment_score":0.33897713752407016},{"text":"Even the the last year, I think it was around the the eighteen percent sort of mark.","start":1318.125,"end":1322.685,"sentiment":"neutral","sentiment_score":0.1131996177136898}],"sentiment":"neutral","sentiment_score":0.2678743728872719,"num_words":158,"start":1278.96,"end":1322.685},{"sentences":[{"text":"Obviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well.","start":1322.685,"end":1333.38,"sentiment":"neutral","sentiment_score":-0.0849657471784774},{"text":"Perfect.","start":1335.8401,"end":1336.3401,"sentiment":"positive","sentiment_score":0.40753448009490967},{"text":"As far as the split, we obviously aim for that ninetyten sort of split.","start":1338.72,"end":1341.76,"sentiment":"neutral","sentiment_score":0.13481618676866805},{"text":"At the moment, the recommended portfolio is around 90 fivefive, and that's purely because they allocated gold as an alternative growth asset and didn't do, like, a split just because of how it has been performing in terms of the value of gold and how much it's grown capital wise as opposed to, like, being a bit more of a defensive asset and sort of market downturns and things like that as well.","start":1341.76,"end":1361.095,"sentiment":"neutral","sentiment_score":0.0988200461517458},{"text":"And downturns and things like that as well.","start":1361.095,"end":1363.71,"sentiment":"neutral","sentiment_score":0.010490413755178452}],"sentiment":"neutral","sentiment_score":0.051568556691591556,"num_words":130,"start":1322.685,"end":1363.71},{"sentences":[{"text":"In saying that, it can sort of still act as a defensive portion somewhat aspect.","start":1365.45,"end":1369.37,"sentiment":"neutral","sentiment_score":0.17817227443059286},{"text":"Not to say it's fully defensive or fully growth, but it can be a bit of a split that here it's considered a 100% growth.","start":1369.37,"end":1375.5499,"sentiment":"neutral","sentiment_score":0.13177655041217803},{"text":"As far as the projection goes there, I'm not a huge fan of projection because, obviously, things do change quite regularly.","start":1378.115,"end":1385.075,"sentiment":"neutral","sentiment_score":0.007995395965519406},{"text":"But in terms of, like, the fees, it'll obviously illustrate here on the table in page 17 that you will be saving $360 on fees alone.","start":1385.075,"end":1394.6,"sentiment":"neutral","sentiment_score":0.16637477078116858},{"text":"Obviously, the adviser fee with that higher portfolio and the projected growth, it might be charged a little bit more, but that's only if your portfolio is performing, like, higher.","start":1395.22,"end":1403.325,"sentiment":"neutral","sentiment_score":0.06433650578061739}],"sentiment":"neutral","sentiment_score":0.10590376415186459,"num_words":117,"start":1365.45,"end":1403.325},{"sentences":[{"text":"It's just based on, like, a year's worth of projections.","start":1403.4049,"end":1405.585,"sentiment":"neutral","sentiment_score":0.0673021100461483},{"text":"So with that, you will be guaranteed to save around the $360 mark in terms of, like, your investment costs for a portfolio that has been historically a little less volatile and also been performing better there for you as well.","start":1406.445,"end":1418.205,"sentiment":"positive","sentiment_score":0.45759375647800726},{"text":"But even if it sort of performs, you know, a little bit better or roughly the same in that, you're still saving on money which compounds anyway.","start":1418.205,"end":1425.54,"sentiment":"neutral","sentiment_score":0.21396320092457313},{"text":"So it still will put you in a better off position even if the market stay a little bit more average for the next six to twelve months there for you.","start":1425.92,"end":1433.46,"sentiment":"neutral","sentiment_score":0.09903067566694752},{"text":"You can see the page over what that sort of looks like in terms of a projection, but as I said, the next five years will never replicate the last five years anyway.","start":1435.525,"end":1442.505,"sentiment":"neutral","sentiment_score":0.08274378322742203}],"sentiment":"neutral","sentiment_score":0.21839343192396868,"num_words":142,"start":1403.4049,"end":1442.505},{"sentences":[{"text":"But it just kind of shows you what that change sort of looks like between the the portfolios there.","start":1442.885,"end":1447.83,"sentiment":"neutral","sentiment_score":-0.015180787365687521},{"text":"Perfect.","start":1451.6699,"end":1452.1699,"sentiment":"positive","sentiment_score":0.5074798464775085},{"text":"And then within regards to your beneficiary nominations, they are up to date on Hub twenty four.","start":1455.59,"end":1460.6499,"sentiment":"neutral","sentiment_score":0.20476581419215484},{"text":"And I do need to just quickly check your insurances.","start":1461.35,"end":1466.315,"sentiment":"neutral","sentiment_score":0.08890053778886794},{"text":"Yeah.","start":1466.7749,"end":1467.095,"sentiment":"neutral","sentiment_score":0.09506449103355408}],"sentiment":"neutral","sentiment_score":0.09758611659829815,"num_words":48,"start":1442.885,"end":1467.095},{"sentences":[{"text":"And I think that one's up to date.","start":1467.095,"end":1468.5549,"sentiment":"neutral","sentiment_score":0.1161626223474741},{"text":"Yeah.","start":1468.615,"end":1469.115,"sentiment":"neutral","sentiment_score":0.13373903930187225},{"text":"Perfect.","start":1470.2949,"end":1470.695,"sentiment":"positive","sentiment_score":0.4478768706321716},{"text":"So that's all up to date.","start":1470.695,"end":1471.735,"sentiment":"positive","sentiment_score":0.35682575901349384},{"text":"And then just by maintaining that, obviously, spouse is a 100% tax dependent there and assist dependent, so she'll receive those funds tax free should anything happen to you.","start":1471.735,"end":1480.71,"sentiment":"neutral","sentiment_score":0.25504851289864244}],"sentiment":"neutral","sentiment_score":0.24551729593012067,"num_words":45,"start":1467.095,"end":1480.71},{"sentences":[{"text":"So still get maintaining there.","start":1480.71,"end":1482.23,"sentiment":"neutral","sentiment_score":0.16831955015659333},{"text":"The main part there is just establishing a will to make sure that everything did happen, that you do have some estate planning measures in place.","start":1482.23,"end":1490.665,"sentiment":"neutral","sentiment_score":0.18345715277470076},{"text":"Now we can just pass along a bit of information from a local solicitor.","start":1490.665,"end":1493.885,"sentiment":"neutral","sentiment_score":0.08986537504409041},{"text":"Sometimes it is as easy to go to someone more local to you, but we can pass along that information pamphlet if you wanna see some general pricing and just a little bit about wills and estates.","start":1494.265,"end":1503.245,"sentiment":"neutral","sentiment_score":0.07835541484323708},{"text":"Yep.","start":1503.42,"end":1503.92,"sentiment":"neutral","sentiment_score":0.12368558347225188}],"sentiment":"neutral","sentiment_score":0.11918596272547562,"num_words":83,"start":1480.71,"end":1503.92},{"sentences":[{"text":"As I said, they're just like a trusted partner.","start":1509.42,"end":1511.5,"sentiment":"neutral","sentiment_score":0.12986486984623802},{"text":"They do some stuff business wise here as far as as well.","start":1511.5,"end":1514.24,"sentiment":"neutral","sentiment_score":0.09199114516377449},{"text":"They have their own fees and services that isn't like the pamphlets we'll get you sent out just to have a look at those.","start":1514.78,"end":1520.315,"sentiment":"neutral","sentiment_score":-0.008853671218579015},{"text":"And then if you can find someone cheaper or not happy days, be a no obligation to to use their service whatsoever, but they are trusted partner here that sort of we're happy to pass along the details for.","start":1520.855,"end":1533.66,"sentiment":"neutral","sentiment_score":0.27613004659995055},{"text":"Perfect.","start":1535.5801,"end":1536.0801,"sentiment":"positive","sentiment_score":0.7240145802497864}],"sentiment":"neutral","sentiment_score":0.1594503042233341,"num_words":85,"start":1509.42,"end":1536.0801},{"sentences":[{"text":"And then with that, you can establish, like, power of attorney as well, which we do recommend, whether it's your spouse or not.","start":1536.78,"end":1541.74,"sentiment":"positive","sentiment_score":0.34692084465337836},{"text":"It just means that if anything happened where you're incapacitated, it just means that there is someone there that can make those financial decisions for you or medical decisions in the event that you can't make them yourself without having to petition the courts and things like that and can really sort of save some heartache and hassle and cost in the event that those things do occur.","start":1541.74,"end":1559.5449,"sentiment":"neutral","sentiment_score":0.28002328370862145},{"text":"And then, obviously, you know, it's a lot of stress and sort of burden on family members when something does occur that you don't know exactly what your family's wishes would be if it comes to that point.","start":1560.245,"end":1570.56,"sentiment":"neutral","sentiment_score":-0.009095113467131006},{"text":"So if you can put those into writing, it makes it a lot easier on them to take that decision sorta out of their hands.","start":1570.56,"end":1576.1001,"sentiment":"neutral","sentiment_score":0.2782974004745483},{"text":"Perfect.","start":1585.625,"end":1586.125,"sentiment":"positive","sentiment_score":0.5059619545936584}],"sentiment":"neutral","sentiment_score":0.2202486798317442,"num_words":155,"start":1536.78,"end":1586.125},{"sentences":[{"text":"As far as the recommendation, obviously, I did get through the the last estate planning bit a little bit there quite quickly.","start":1586.8251,"end":1592.35,"sentiment":"neutral","sentiment_score":0.23539146103642203},{"text":"But do you have any questions in regards to that investment change or what we are recommending there, Chris?","start":1592.35,"end":1596.69,"sentiment":"neutral","sentiment_score":0.06313411303256687},{"text":"Not a problem.","start":1599.15,"end":1599.79,"sentiment":"neutral","sentiment_score":0.2831691304842631},{"text":"Obviously, take your time and have a look through it, see if you come back with any questions or not.","start":1599.79,"end":1603.57,"sentiment":"neutral","sentiment_score":0.18261328153312206},{"text":"But as I said, quite simple, just the investment update and a little bit of estate planning side of things.","start":1604.635,"end":1608.815,"sentiment":"neutral","sentiment_score":0.17953617870807648}],"sentiment":"neutral","sentiment_score":0.17226972484162875,"num_words":84,"start":1586.8251,"end":1608.815},{"sentences":[{"text":"As far as remuneration, it is still just gonna be the 1.65%, which is around $60,170 dollars for a twelve month fee for you being an ongoing client.","start":1609.035,"end":1618.335,"sentiment":"neutral","sentiment_score":0.1717422210744449},{"text":"And then 22% of the insurance premiums with Zurich just for maintaining that policy.","start":1618.49,"end":1623.6901,"sentiment":"neutral","sentiment_score":0.21370367492948258},{"text":"That's not an additional cost that you pay.","start":1623.6901,"end":1625.77,"sentiment":"neutral","sentiment_score":0.1762339361011982},{"text":"It's just a cost there that we get from Zurich for maintaining the policy out of the premium you pay to them.","start":1625.77,"end":1631.985,"sentiment":"neutral","sentiment_score":0.16876387088136238},{"text":"We just disclose it because we obviously do get it, which means that total we get around $2,171 per annum there as a remuneration for the service there.","start":1632.065,"end":1641.765,"sentiment":"neutral","sentiment_score":0.17260993923991919}],"sentiment":"neutral","sentiment_score":0.1775638858601451,"num_words":100,"start":1609.035,"end":1641.765},{"sentences":[{"text":"As far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you.","start":1643.505,"end":1652.39,"sentiment":"positive","sentiment_score":0.3342394183079402},{"text":"It might take a few weeks with the managed funds to see that sort of happen.","start":1652.39,"end":1657.05,"sentiment":"neutral","sentiment_score":0.09662269125692546},{"text":"It just sort of means that, like, they do take some time to obviously sell down and pay out.","start":1657.595,"end":1662.015,"sentiment":"neutral","sentiment_score":0.06384036219433735},{"text":"And then with that, we'd change those underlying investments for you.","start":1663.275,"end":1666.0751,"sentiment":"neutral","sentiment_score":0.09424483911557631},{"text":"And then as far as the estate planning side of things, it is up to you to organize with yourself and your spouse to to do with a a lawyer.","start":1666.0751,"end":1672.895,"sentiment":"neutral","sentiment_score":0.07186402504642804}],"sentiment":"neutral","sentiment_score":0.15074270257269437,"num_words":106,"start":1643.505,"end":1672.895},{"sentences":[{"text":"That would only be if you wanted to make any sort of changes to the advice, whether that be you don't wanna take on some form of the recommendation.","start":1683.5499,"end":1690.995,"sentiment":"neutral","sentiment_score":-0.019774549094767405},{"text":"Yeah.","start":1694.895,"end":1695.2151,"sentiment":"neutral","sentiment_score":0.25232672691345215},{"text":"Otherwise, it Yep.","start":1695.2151,"end":1697.555,"sentiment":"positive","sentiment_score":0.38460274537404376},{"text":"Yeah.","start":1697.615,"end":1697.855,"sentiment":"neutral","sentiment_score":0.16832134127616882},{"text":"If you were happy Wait.","start":1697.855,"end":1699.535,"sentiment":"neutral","sentiment_score":0.11771817356348038}],"sentiment":"neutral","sentiment_score":0.04075859611233076,"num_words":39,"start":1683.5499,"end":1699.535},{"sentences":[{"text":"I'm sorry.","start":1699.535,"end":1700.115,"sentiment":"neutral","sentiment_score":-0.002171874279156328},{"text":"With the audio sign, you should receive, like, a certificate of completion still.","start":1707.2301,"end":1711.25,"sentiment":"neutral","sentiment_score":0.12186395319608542},{"text":"I can't remember from memory what it would be exactly like, but you do have a copy of those documents all listed there anyway that you can download.","start":1711.31,"end":1719.035,"sentiment":"neutral","sentiment_score":0.11408157886138984},{"text":"It's obviously just not a saved one, but you can save all those PDFs down and you've got all the documents there anyway.","start":1719.035,"end":1724.735,"sentiment":"neutral","sentiment_score":0.08137818118152411},{"text":"It just might not be the the safe version of that, but we'll have a copy here and we can sort of send it to you at any point, like, from your time here or even if you leave as a client.","start":1725.595,"end":1734.7,"sentiment":"neutral","sentiment_score":0.10692735646097433}],"sentiment":"neutral","sentiment_score":0.1031186943485712,"num_words":108,"start":1699.535,"end":1734.7},{"sentences":[{"text":"Not oh, okay.","start":1760.22,"end":1761.02,"sentiment":"neutral","sentiment_score":0.14104428639014563},{"text":"Not a problem.","start":1761.02,"end":1761.76,"sentiment":"neutral","sentiment_score":0.20714104672273},{"text":"But do you have any other questions while you've got me there, Chris, in regards to any of that?","start":1762.8949,"end":1766.335,"sentiment":"neutral","sentiment_score":0.0310186630016879},{"text":"Did you want me to check-in that they reach out in six months regarding sort of seeing where you're at with things?","start":1766.335,"end":1771.235,"sentiment":"neutral","sentiment_score":0.03454100069674579},{"text":"Yep.","start":1775.39,"end":1775.5499,"sentiment":"neutral","sentiment_score":0.198666512966156}],"sentiment":"neutral","sentiment_score":0.05400998176385959,"num_words":48,"start":1760.22,"end":1775.5499},{"sentences":[{"text":"I'll just track you down for a six month follow-up, and I'll get the team there to send out that lawyer information there for you.","start":1775.5499,"end":1780.59,"sentiment":"neutral","sentiment_score":0.2390673553943634},{"text":"But is there anything else there that I can sort of answer or assist you with there today while you've got me?","start":1780.59,"end":1786.0499,"sentiment":"neutral","sentiment_score":0.15308245508508248},{"text":"Not a problem at all.","start":1792.9249,"end":1793.725,"sentiment":"positive","sentiment_score":0.4483069717884064},{"text":"Any questions you do have, feel free to always just reach out, shoot us an email, or give us a a call.","start":1793.725,"end":1798.525,"sentiment":"neutral","sentiment_score":0.19622219997373494},{"text":"Not a problem.","start":1798.525,"end":1799.245,"sentiment":"positive","sentiment_score":0.3879500726858775}],"sentiment":"neutral","sentiment_score":0.221646381469516,"num_words":77,"start":1775.5499,"end":1799.245},{"sentences":[{"text":"But otherwise, I'll let you get back to you your day there, Chris.","start":1799.245,"end":1801.905,"sentiment":"positive","sentiment_score":0.3926231884039365},{"text":"Cheers.","start":1804.077,"end":1804.2369,"sentiment":"positive","sentiment_score":0.6789686679840088},{"text":"Thank you.","start":1804.2369,"end":1804.717,"sentiment":"positive","sentiment_score":0.7170422077178955},{"text":"Bye now.","start":1804.717,"end":1805.457,"sentiment":"positive","sentiment_score":0.4605046212673187}],"sentiment":"positive","sentiment_score":0.45212020973364514,"num_words":18,"start":1799.245,"end":1805.457}]}}]},{"alternatives":[{"transcript":"Hello. Erica speaking. Good. Yourself? Yeah. Yep. Lily. Oh, everyone's been taking Lily, but okay. Cool. No. I'll remember that. Yeah. Well, no. It's two of our grandmother's names put together. That was, what, late last year? No. No. Has it? Yeah. That's unchanged. Pay is still $1.70. Yeah. Not not much has changed. Yes. Mhmm. No. Take take a bit more time because I'm looking to make some investment moves sort of midyear once my fixed loan term ends. And just recently had a a free appraisal from a real estate agent. Well, a couple of them actually that have shown interest with the house, so it's worth more than what it was last year currently for what I've what I've been quoted. So currently sitting on a mill. A 100 percent. Yeah. I'll be refinancing. And at this stage, looking to pull some of the equity out of the house to invest in a different couple of things. So yeah. So some in crypto, some in stocks, and, yeah, don't know what else at the moment that'll allow me. I know how much I can pull out of the house, but I won't be pulling the full amount out. But, yeah, if you guys recommend anything else as well, I'm yeah. I'll consider it as well. Okay. Yep. Yeah. But that wouldn't come in effect until I sell the house. Yeah. Yeah. No. Definitely looking at investment properties. So I'm kind of trying to find the worst house in a good location, so to speak, and then sit on it for twelve months and put put some capital into it as well. Yeah. Mhmm. Yeah. Yeah. That's fine. Yep. Yep. Yeah. Nice. Hang on. I just wait for a top dye. Yes. Here we go. Yep. Yeah. Nice. Mhmm. Yes. Yep. Okay. Yeah. Tomorrow again? Same thing with the truck? Yes. Tomorrow again? Oh, so yeah. Sorry, man. Just saying the bottle work. Yeah. Yep. Yep. Mhmm. No. Yeah. All pretty straightforward. No. No. That's fine. Current risk portfolio. Yep. Cool. High growth. Yep. Strategy recommendations. Not really. Just probably if you recommend, obviously, with what's going on globally, am I still suited to actually, no. I'll just keep it high growth. Yeah. Yeah. Okay. Yep. Yeah. I suppose it keeps getting it's no different to if I bought Coca Cola shares twenty seven years ago and then, you know, I haven't touched it since this day and invested more over that twenty seven years. So that's a good way of putting it. No. Yep. Yep. Mhmm. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yes. Yeah. Yeah. Good. Yep. No. No. I'm fine. Mhmm. Yep. Yeah. Yep. Yep. Yep. No. Yeah. I believe. Should've done them for both. Yeah. Yes. Yeah. Yeah. If you got someone you can recommend, a 100%, I'll be, yeah, keen to say that. Okay. Yeah. Cool. No. I was keen to do that this year. It's been on the on the list for a while now. No. I'm pretty happy with it. Mhmm. Yeah. Okay. Yep. Yep. Now I just see there's a text box above the signature line. Is there anything I need to fill in there? Or okay. So Yep. I'm pretty happy with it. And if I, I yeah. Once the phone is do I receive, like, a a copy of it? Okay. Yep. Okay. Just like That would Cool. Alright. Well, that's coming back your way. I'll just put nonapplicable on the text box because it won't let me validate it without anything in it. Yeah. Actually, I'll see that. No. No. Pretty happy with with what we end up went over today. So, no, much appreciated. Thanks, mate. Have a good day. 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Erica speaking. Good. Yourself? Yeah.\n\nYep. Lily. Oh, everyone's been taking Lily, but okay. Cool. No.\n\nI'll remember that. Yeah. Well, no. It's two of our grandmother's names put together. That was, what, late last year?\n\nNo. No. Has it? Yeah. That's unchanged.\n\nPay is still $1.70. Yeah. Not not much has changed. Yes. Mhmm.\n\nNo. Take take a bit more time because I'm looking to make some investment moves sort of midyear once my fixed loan term ends. And just recently had a a free appraisal from a real estate agent. Well, a couple of them actually that have shown interest with the house, so it's worth more than what it was last year currently for what I've what I've been quoted. So currently sitting on a mill.\n\nA 100 percent. Yeah. I'll be refinancing. And at this stage, looking to pull some of the equity out of the house to invest in a different couple of things. So yeah.\n\nSo some in crypto, some in stocks, and, yeah, don't know what else at the moment that'll allow me. I know how much I can pull out of the house, but I won't be pulling the full amount out. But, yeah, if you guys recommend anything else as well, I'm yeah. I'll consider it as well. Okay.\n\nYep. Yeah. But that wouldn't come in effect until I sell the house. Yeah. Yeah.\n\nNo. Definitely looking at investment properties. So I'm kind of trying to find the worst house in a good location, so to speak, and then sit on it for twelve months and put put some capital into it as well. Yeah. Mhmm.\n\nYeah. Yeah. That's fine. Yep. Yep.\n\nYeah. Nice. Hang on. I just wait for a top dye. Yes.\n\nHere we go. Yep. Yeah. Nice. Mhmm.\n\nYes. Yep. Okay. Yeah. Tomorrow again?\n\nSame thing with the truck? Yes. Tomorrow again? Oh, so yeah. Sorry, man.\n\nJust saying the bottle work. Yeah. Yep. Yep. Mhmm.\n\nNo. Yeah. All pretty straightforward. No. No.\n\nThat's fine. Current risk portfolio. Yep. Cool. High growth.\n\nYep. Strategy recommendations. Not really. Just probably if you recommend, obviously, with what's going on globally, am I still suited to actually, no. I'll just keep it high growth.\n\nYeah. Yeah. Okay. Yep. Yeah.\n\nI suppose it keeps getting it's no different to if I bought Coca Cola shares twenty seven years ago and then, you know, I haven't touched it since this day and invested more over that twenty seven years. So that's a good way of putting it. No. Yep. Yep.\n\nMhmm. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Yes. Yeah.\n\nYeah. Good. Yep. No. No.\n\nI'm fine. Mhmm. Yep. Yeah. Yep.\n\nYep. Yep. No. Yeah. I believe.\n\nShould've done them for both. Yeah. Yes. Yeah. Yeah.\n\nIf you got someone you can recommend, a 100%, I'll be, yeah, keen to say that. Okay. Yeah. Cool. No.\n\nI was keen to do that this year. It's been on the on the list for a while now. No. I'm pretty happy with it. Mhmm.\n\nYeah. Okay. Yep. Yep. Now I just see there's a text box above the signature line.\n\nIs there anything I need to fill in there? Or okay. So Yep. I'm pretty happy with it. And if I, I yeah.\n\nOnce the phone is do I receive, like, a a copy of it? Okay. Yep. Okay. Just like That would Cool.\n\nAlright. Well, that's coming back your way. I'll just put nonapplicable on the text box because it won't let me validate it without anything in it. Yeah. Actually, I'll see that.\n\nNo. No. Pretty happy with with what we end up went over today. So, no, much appreciated. Thanks, mate.\n\nHave a good day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.06179637461900711},{"text":"Erica speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.05773908644914627},{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.5219427347183228},{"text":"Yourself?","start":5.8399997,"end":6.3399997,"sentiment":"positive","sentiment_score":0.34233999252319336},{"text":"Yeah.","start":12.719999,"end":13.12,"sentiment":"neutral","sentiment_score":0.23101453483104703}],"sentiment":"neutral","sentiment_score":0.21209530159831047,"num_words":6,"start":0.96,"end":13.12},{"sentences":[{"text":"Yep.","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":0.3017231822013855},{"text":"Lily.","start":18.725,"end":19.225,"sentiment":"neutral","sentiment_score":0.19777432084083557},{"text":"Oh, everyone's been taking Lily, but 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receive, like, a a copy of it?","start":1701.77,"end":1705.31,"sentiment":"neutral","sentiment_score":0.06051787533439123},{"text":"Okay.","start":1719.0651,"end":1719.5651,"sentiment":"neutral","sentiment_score":0.11831755936145782},{"text":"Yep.","start":1735.04,"end":1735.54,"sentiment":"neutral","sentiment_score":0.1360630989074707},{"text":"Okay.","start":1741.055,"end":1741.555,"sentiment":"neutral","sentiment_score":0.16547292470932007},{"text":"Just like That would Cool.","start":1741.775,"end":1753.5701,"sentiment":"neutral","sentiment_score":0.2603072464466095}],"sentiment":"neutral","sentiment_score":0.11943439021706581,"num_words":21,"start":1701.77,"end":1753.5701},{"sentences":[{"text":"Alright.","start":1753.5701,"end":1753.89,"sentiment":"neutral","sentiment_score":0.24759702384471893},{"text":"Well, that's coming back your way.","start":1753.89,"end":1755.43,"sentiment":"neutral","sentiment_score":0.24967961261669794},{"text":"I'll just put nonapplicable on the text box because it won't let me validate it without anything in it.","start":1755.81,"end":1760.31,"sentiment":"neutral","sentiment_score":-0.023590647566475366},{"text":"Yeah.","start":1771.8451,"end":1772.165,"sentiment":"neutral","sentiment_score":0.11655104160308838},{"text":"Actually, I'll see that.","start":1772.165,"end":1773.305,"sentiment":"neutral","sentiment_score":0.13010616600513458}],"sentiment":"neutral","sentiment_score":0.06240090649695166,"num_words":31,"start":1753.5701,"end":1773.305},{"sentences":[{"text":"No.","start":1786.37,"end":1786.7699,"sentiment":"negative","sentiment_score":-0.37956565618515015},{"text":"No.","start":1786.7699,"end":1786.9299,"sentiment":"negative","sentiment_score":-0.49738144874572754},{"text":"Pretty happy with with what we end up went over today.","start":1786.9299,"end":1790.7699,"sentiment":"neutral","sentiment_score":-0.15941387008536945},{"text":"So, no, much appreciated.","start":1790.7699,"end":1792.265,"sentiment":"neutral","sentiment_score":-0.08681315556168556},{"text":"Thanks, mate.","start":1802.165,"end":1802.68,"sentiment":"positive","sentiment_score":0.8012840449810028}],"sentiment":"neutral","sentiment_score":-0.07237811621866728,"num_words":19,"start":1786.37,"end":1802.68},{"sentences":[{"text":"Have a good day.","start":1802.68,"end":1803.507,"sentiment":"positive","sentiment_score":0.7210706025362015},{"text":"Bye.","start":1805.8269,"end":1806.3269,"sentiment":"neutral","sentiment_score":-0.10609205067157744}],"sentiment":"positive","sentiment_score":0.5556380718946456,"num_words":5,"start":1802.68,"end":1806.3269}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Erica speaking.\n\nChannel 0: Hi, Chris. It's Carl calling from OQ Financial. How are you today?\n\nChannel 1: Good. Yourself?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for your statement advice. Presentation today.\n\nIs now still a good time?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. If I could just grab your client pass so we can get stuck into that one today there, Chris.\n\nChannel 1: Lily.\n\nChannel 0: Perfect. It's Liliana, the full name, but I'll take it up.\n\nChannel 1: Oh, everyone's been taking Lily, but\n\nChannel 0: Just to to let you know, obviously yeah. But no. That's that's more\n\nChannel 1: okay.\n\nChannel 0: than\n\nChannel 1: Cool.\n\nChannel 0: fine.\n\nChannel 1: No. I'll remember that.\n\nChannel 0: Perfect. Obviously, you only have the one grandmother probably named Lily Liliana. Sorry. That's so it's easy\n\nChannel 1: Yeah. Well,\n\nChannel 0: for\n\nChannel 1: no. It's two of our grandmother's names put together.\n\nChannel 0: me to oh, okay. Okay. Fair enough. There there you go. The more you know.\n\nI might actually update. Perfect. And just to confirm there, Chris, I know you did confirm your details, which is because it has been, like, a little bit since we sort of did speak ourselves. Can I just confirm that in regards to your situation? Has anything largely changed since we, like, originally had our conversation?\n\nChannel 1: That was, what, late last year?\n\nChannel 0: Yeah. Late last year.\n\nChannel 1: No. No. Has it?\n\nChannel 0: Occupational, the same income. Everything. Debt may be a little bit different, but largely unchanged.\n\nChannel 1: Yeah. That's unchanged. Pay is still $1.70. Yeah. Not not much has changed.\n\nChannel 0: Perfect. Not a problem at all. Now in relation to the advice piece there today, it is quite simple in what we were doing. We're just looking at that investment update really there for you to sprinkle in a little bit of estate planning for you. And then I know you are happy with your insurances, so we scope those out.\n\nBut this will just be going to your email, sablo_25@live.com.au.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: I'll send that now, and, hopefully, it comes through in a second. It might just take a little bit there, and then we'll run through that document together. And how much time do you sort of have spare? I can make it quite quick for you if you sort of still have to get back to work, or I can take a little bit more time depending on\n\nChannel 1: No. Take take a bit more time because I'm looking to make some investment moves sort of midyear once my fixed loan term ends.\n\nChannel 0: yep.\n\nChannel 1: And just recently had a a free appraisal from a real estate agent. Well, a couple of them actually that have shown interest with the house, so it's worth more than what it was last year currently for what I've what I've been quoted. So\n\nChannel 0: And then with that one there, what was the value of the home that\n\nChannel 1: currently\n\nChannel 0: 20\n\nChannel 1: sitting on\n\nChannel 0: 4.\n\nChannel 1: a mill.\n\nChannel 0: Yep. And have you thought about, like, obviously, I know the interest rates did go up the other day, but have you thought about, like, refinancing and things like that\n\nChannel 1: A\n\nChannel 0: in\n\nChannel 1: 100\n\nChannel 0: terms?\n\nChannel 1: percent. Yeah. I'll be refinancing. And at this stage, looking to pull some of the equity out of the house to invest in a different couple of\n\nChannel 0: Yep. In\n\nChannel 1: things.\n\nChannel 0: terms of, like, an investment portfolio\n\nChannel 1: So\n\nChannel 0: and or\n\nChannel 1: yeah. So some in crypto, some in stocks, and, yeah, don't know what else at the moment that'll allow me. I know how much I can pull out of the house, but I won't be pulling the full amount out.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But, yeah, if you guys recommend anything else as well, I'm yeah. I'll consider it as well.\n\nChannel 0: So, obviously, like, the sort of steps in what we sort of generally space out is, like, given, like, the current legislation that is, is investment properties are a really good tool in terms of, like, a next step investment from your primary resident just purely for the fact that the interest accrued on those loans for investment properties at the moment given the legislation is a 100% a tax deduction in terms of, like, the cost\n\nChannel 1: Okay.\n\nChannel 0: you are paying, and it can just help if it is sort of things like negatively geared, reducing your, you know, your taxable income, things like that as well where you you slightly could be making more if you are getting the capital growth out of that plus some money going towards the the principal as well. Making more into the sense that you're saving on some form of tax and then having some deductions, being able to, like, improve the the property, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: It's a tool that's a bit more tangible. People are a bit more comfortable with it as well. Not to say it's for everyone. It is just a nice tool. And then, obviously, with the capital gains reform, it's like they might also change those rules in terms of, like, investment properties and how much of a tax deduction you do get with regards to, like, capital gains and how much you actually have to pay moving forward.\n\nBut\n\nChannel 1: Yeah.\n\nChannel 0: in saying\n\nChannel 1: But that wouldn't\n\nChannel 0: that\n\nChannel 1: come in effect until I sell the house.\n\nChannel 0: exactly. And sort\n\nChannel 1: Yeah.\n\nChannel 0: of is it a lot of people too like, this is obviously long, long term. If you're looking sort of, like, I'm not too sure, like, what your sort of area is like and what you sort of wanna do in the future, but if you look to an area that you wanna potentially retire, whether or not you'd either beach, things like that, and getting in as an investment earlier, you can look to sort of use your primary now to then downsize into your investment later in life, and it really isn't much of an issue moving forward. You can sort of, you know, get the benefit of being a primary being sold, downsizing to your investment where you wanna look at retiring and say twenty, thirty years time down the track anyway when you might be looking to do that. It's just sort of that forward thinking\n\nChannel 1: Yeah.\n\nChannel 0: that you can\n\nChannel 1: No.\n\nChannel 0: do.\n\nChannel 1: Definitely looking at investment properties. So I'm kind of trying to find the worst house in a good location, so to speak, and then\n\nChannel 0: Yeah.\n\nChannel 1: sit on it for twelve months and put put some capital into it as well.\n\nChannel 0: Yep. And, yeah, obviously, that's like your sort of other option looking those, like, ROI areas and then just sort of getting the growth out of it as well. Obviously,\n\nChannel 1: Yeah.\n\nChannel 0: be mindful, like, you know, it's selling within twelve months and things like that. Obviously, you met the twelve month rule, but, you know, same two d things like that and the cost of buying and selling can eat away at those sort of things as well.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: That's more than fine. We can sort of refer you to a mortgage broker here if you do want a second opinion or if you've got your own one as well. In regards to that, as far as, like, the investment portfolios crypto we don't touch, it's just through the risky nature of it. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: That's fine.\n\nChannel 0: If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund. We can pair it with, like, your platform. Hub 24 has the option to have IDPSs, and it can reduce administration costs. You can look to just have it personal on a few of those platforms there as well that you\n\nChannel 1: Yep.\n\nChannel 0: can be able to just manage it yourself depending on the amount and depending how much freedom you want with it. Because, obviously, if you're looking to day trade a little bit more, be a little bit more actively involved in it, we're a little bit more long term sort of investment time horizons, and we can sort of facilitate some changes to a degree. But if it comes like a a daily sort of, you know, a sell trade or quite regular trades, it doesn't really sort of fall in line with what we sort of do, and then the liability comes a bit different as well,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Do you have any questions around that at all before we get started there, Christopher?\n\nChannel 1: Nice.\n\nChannel 0: Not a problem. Did you get that email that I sent there come through?\n\nChannel 1: Hang on. I just wait for a top dye. Yes. Here we go.\n\nChannel 0: For the the statement of advice. Obviously, there is a signable link there if you were happy with everything to sign the advice. If you were, you can just open up the statement advice just to read through it with me. There are a few other attachments there for you. Just the PDFs is in regards to your superannuation product still, And then you've also got your appendix to the statement of advice as well.\n\nAnd then you've also got within that one the new OQ services guide and financial services guide there as well just to be able to see the updated changes there as well for you.\n\nChannel 1: Yep. Yeah. Nice.\n\nChannel 0: Perfect. Obviously, for the document itself, it was finalized there on the the March 11 and when it was finally printed to to PDF, obviously, getting you booked in and everything. But it is created for yourself, prepared by myself and the team there as an authorized representative under OQ Financial. In regards to best interest duty, we obviously make the recommendations with the best interest duty in mind that we're trying to put you in a better position the way you are currently. Now\n\nChannel 1: Mhmm.\n\nChannel 0: if you go over the next sort of pages, you will see your goals and sort of how we came to that that scoping. So in regards to this advice piece, as I say, quite simple in terms of what we're trying to cover, we were just looking at Hub twenty four and exploring the investments to try and strength strengthen that performance due to that Benelong and what did occur with that one and just putting in\n\nChannel 1: Yes.\n\nChannel 0: a position for another sort of stint of of, like, growth and sustained growth as well of where they believe the, you know, the investment direction of the company is headed and where the market's headed there as well. But, also in regards to the estate planning side of things, I know we didn't really touch too much on it in terms of, like, what you wanted. But given, you know, you do have, you know, some assets there that are accruing now and you've got the younger family, it's sort of important to have those sort of measures in place\n\nChannel 1: Yep.\n\nChannel 0: there as well for you. As far as what wasn't considered, we did have a chat about insurances there, but you're happy with the amount of cover you currently hold. Now with debts and things, how does that changes in the future as well? You may wanna revisit that, but it isn't in this advice piece. In addition to that, budgeting and saving, I know you were saving down and trying to\n\nChannel 1: Okay.\n\nChannel 0: pay down some of that debt\n\nChannel 1: Yeah.\n\nChannel 0: for your\n\nChannel 1: Tomorrow\n\nChannel 0: property.\n\nChannel 1: again? Same thing with the truck? Yes. Tomorrow again? Oh, so yeah.\n\nSorry, man. Just saying the bottle work.\n\nChannel 0: No. That's fine. As far as, yeah, paying down those debts to save for potential property in the future as well and some\n\nChannel 1: Yeah.\n\nChannel 0: other alternative assets, that's obviously been a goal, but we didn't do anything in regards to cash flow and budgeting for you. And then within regards to that, you're still saying that, like, down the track and sort of mid issue when you come off that, you're still looking at doing those alternative investments. But for now, it's not in this advice piece. And then\n\nChannel 1: Yep.\n\nChannel 0: the property, as I said, we can refer you on to a broker. We can discuss and sort of provide advice on the broader financial aspects of it. But as far as, like, products and actual properties as well, that's not something a financial adviser does, unfortunately.\n\nChannel 1: Yep.\n\nChannel 0: As far as your limited advice warning, it just pertains to the fact that we are only providing advice on that super and estate planning side of things in this advice piece. And\n\nChannel 1: Mhmm.\n\nChannel 0: on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that. Now, obviously, it's very sound straightforward. Obviously, there's, a whole bunch of words that follow that we can run through there. But do you have any sort of questions in regards to that so far? As I said,\n\nChannel 1: No.\n\nChannel 0: no. It's not so good. Yeah. Okay. No\n\nChannel 1: Yeah.\n\nChannel 0: problem.\n\nChannel 1: All pretty straightforward.\n\nChannel 0: Yep. We try to keep it a simple, stupid. We don't wanna sorta trick you up in any sort of sense. Now in the next page over, you will see your details there. So if you could just confirm that these are all correct on that page and the next page over for your assets and liabilities.\n\nAs I said, they're all just based on those older figures, so the property has gone up a bit slightly in saying that we can provide an updated advice piece to illustrate the million dollars, but we see it doesn't change what we're recommending at the end of the day\n\nChannel 1: No.\n\nChannel 0: as well.\n\nChannel 1: No. That's fine.\n\nChannel 0: Ready.\n\nChannel 1: Current risk portfolio. Yep. Cool. High growth. Yep.\n\nStrategy recommendations.\n\nChannel 0: Yep. So down to that part, we'll just touch you on the high growth there. Obviously, you did score that high growth, and that's that's still ninety ten split. Do you have any questions in regards to your risk profile score on maintaining that?\n\nChannel 1: Not really. Just probably if you recommend, obviously, with what's going on globally, am I still suited to actually, no. I'll just keep it high growth.\n\nChannel 0: Yes. I understand your concerns in regards to that. So as far as working wise considered, you're very much a spring chicken in the sense that you're working for another twenty seven years before you even get the chance to try and touch your super. And then\n\nChannel 1: Yeah.\n\nChannel 0: that's if the government doesn't change anything along the way. Fingers crossed, knock wood. But that's quite a huge time frame to be invested and remain invested in those sort of growth assets and those high growth assets to where\n\nChannel 1: Yeah.\n\nChannel 0: that these sort of dips in the market and the blips of, like, COVID and things like that. It it's not great in the sense that you do lose it on a paper value, and it's obviously great if everything goes up all the time. But in saying that, that's sort of unsustainable in a sense anyway. With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value. So, you know, a\n\nChannel 1: Okay.\n\nChannel 0: year of bad sort of growth now is, like, everything sort of sitting low, your contribution's going in. Once they\n\nChannel 1: Yep.\n\nChannel 0: sort of start to recover from that, you know, the war stops, it means you bought more for less at that time, and then the recovery should be a little bit nicer on the back end as well for you.\n\nChannel 1: Yeah. I suppose it keeps getting it's no different to if I bought Coca Cola shares twenty seven years ago and then, you know, I haven't touched it since this day and invested more over that twenty seven years. So that's a good way of putting it.\n\nChannel 0: Exactly. And it's much too, like, same as owning your own home. If someone told you tomorrow that your house is only worth a dollar, you're not gonna go out tomorrow and go, I'm gonna sell my house for a dollar. You're\n\nChannel 1: No.\n\nChannel 0: gonna go, I have it. I'm gonna hold it. You know, I know the value is gonna increase and, you know, the the sort of, you know, more people than there is things going around and that's never gonna change. So consumer driven growth is always going to be a thing.\n\nChannel 1: Yep.\n\nChannel 0: As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving. Not just Benelon itself. We looked at the entire portfolio on how we can sort of better manage that moving forward and with the update. Now obviously, we kept in line with the high growth portfolio, in line with you, re subjected in that long term time horizon. But in saying that as well, you were quite focused on having a bit of a greater exposure in the tech sector and aiming for that longer term growth.\n\nSo with that, we did look at switching some of your investments for that Nasdaq investment that hold those companies as well. Good thing for you is the Nasdaq did take a bit of a dive sort of during February then, so you will be buying into that a lower amount. But, obviously, tech side of things long term is still quite high conviction in that. It is a satellite, so turning about 5% of your portfolio, which means that you will still have a nice amount there across that and the cybersecurity to be a more tech focused side of things. And then you'll still have a nice core of the S and P 500 and then also the BetaShares Australian two hundred as the core of your portfolio in that, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So within regards and you can see all the the changes there on page 15 once we get down to it. Obviously, there's a few words that do come before that. Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management. Now are\n\nChannel 1: Mhmm.\n\nChannel 0: taking a little bit more risk that you are going into those tech side of and then that Nasdaq investment that has been a little bit more volatile, but you are removing that manager risk. And, like, as you did see what happened within regards to Benelon when they did fuse, like, the the wrong sort of winners. It can sort of mean that it did not pay off, and you're paying more to have that sort of growth there as well. So\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, in terms of, like, the the Nasdaq itself, obviously, it hasn't done too great over sort of the year to date. It's down about 3%. Not to say that it, you know, it's gonna turn around instantly. With the war going on, it might still sort of hover or maybe even dip a little bit more still. But over the longer term period, and you sort of wanting to have a bit more tech focus there as well, looking at holding that long term, it's probably gonna end up up at the end of the day there as well.\n\nHow much? I couldn't sort of say, but it just gives you that little bit more exposure, and it's only about 5%. So it's a nice little satellite that if it goes gangbusters, it goes great. If it doesn't do too well, it doesn't mean that it's gonna, like, drastically impact your portfolio like your, like, 27% of Benelung holding that you did have, if that makes sense.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So, yeah, the key holdings there, you still have quite a large share in the S and P five hundred at 35%. But given that it is sort of top 500 companies in America is high conviction and that moving forward still, you have 25% in the Australian beta shares and the Australian market as a whole. You know, obviously, the Benelong didn't do too well as Australian equities, but it's not been doing too bad either. And then you've got a little bit of exposure outside The US, Europe. And then with that, that cyber investment there as well, which gives you a nice sort of spread.\n\nIn in conjunction with that, you do have the gold and the the composite bonds, which is your defensive portion\n\nChannel 1: Yep.\n\nChannel 0: there as well. But overall, it will save you moving forward in terms of costs. It'll be in line with your agreed risk profile. And then with that, you still have been ongoing client. We'd hope you have those regular reviews, and we can still focus that.\n\nAnd you'll have that little bit more of a greater exposure to the technology sector as as you wanted.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain. But if it goes the other way, you're actually buying in at a lower cost as well. So it's a bit of\n\nChannel 1: Yeah.\n\nChannel 0: a fifty fifty, but selling low and buying low isn't a bad thing. It's just a volatile in the meantime. But I dare say given that everything sort of, you know, just kinda trickled down, there wasn't like a a nuclear bomb sort of drop that it shouldn't cause too much effect to you and especially over the long term there as well. Just something to be mindful of.\n\nChannel 1: Yeah.\n\nChannel 0: We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long. If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that. And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame.\n\nChannel 1: Yes.\n\nChannel 0: We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market. We also considered holding it a bit more of an active portfolio, but due to the cost involved, the lower historical performance and how the indexes have been, you know, traveling so far and then having a little bit more risk with a bit more tech focused as opposed to those actively managed funds, it sort of balances out a little bit with the the lower cost and having those index investments as opposed to, like, active managements again active management again, if that makes sense.\n\nChannel 1: Yeah. Yeah. Good.\n\nChannel 0: Yep. Perfect. Yeah. On page 15, you will see those buyers and sales. So the main ones that you're getting rid of there is obviously the Ben Long, Ballym Lithium Tech actually did have a nice sort of rebound the past twelve months, so that's nice.\n\nAgriculture is sort of been a bit of a mute point there as well, and health care hasn't done too fantastic either over the longer period of time. The diversified Vanguard index hasn't been too bad in terms of, like, the return it has been getting. But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions in regards to those investments or the recommendation there, Christopher?\n\nChannel 1: No. No. I'm fine.\n\nChannel 0: Yep. You do have in the appendix there as well all the links to those investments to be able to have a look at those and see if you were happy with those. Obviously, there's still quite a heavy weighting in sort of those indexes in terms of, like, isn't sort of spread, you know, evenly across all of them. Obviously, if you look at, like, the S and P 500 and it sort of returns over the past five to ten years, it's still quite a bit of consumer confidence in those still tracking quite well, And that's how\n\nChannel 1: Mhmm.\n\nChannel 0: the investment committee views it as well with that. And then sort of even though it has taken a little bit of a a dip there currently, it's sort of expected that it will still track nicely moving forward there as well. Even the the last year, I think it was around the the eighteen percent sort of mark. Obviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. As far as the split, we obviously aim for that ninetyten sort of split. At the moment, the recommended portfolio is around 90 fivefive, and that's purely because they allocated gold as an alternative growth asset and didn't do, like, a split just because of how it has been performing in terms of the value of gold and how much it's grown capital wise as opposed to, like, being a bit more of a defensive asset and sort of market downturns and things like that as well. And downturns and things like that\n\nChannel 1: Yeah.\n\nChannel 0: as well. In saying that, it can sort of still act as a defensive portion somewhat aspect. Not to say it's fully defensive or fully growth, but it can be a bit of a split that here it's considered a 100% growth. As\n\nChannel 1: Yep.\n\nChannel 0: far as the projection goes there, I'm not a huge fan of projection because, obviously, things do change quite regularly. But in terms of, like, the fees, it'll obviously illustrate here on the table in page 17 that you will be saving $360 on fees alone. Obviously, the adviser fee with that higher portfolio and the projected growth, it might be charged a little bit more, but that's only if your portfolio is performing, like, higher. It's just based\n\nChannel 1: Yep.\n\nChannel 0: on, like, a year's worth of projections. So with that, you will be guaranteed to save around the $360 mark in terms of, like, your investment costs for a portfolio that has been historically a little less volatile and also been performing better there for you as well. But even if it sort of performs, you know, a little bit better or roughly the same in that, you're still saving on money which compounds anyway. So it still will put you in a better off position even if the market stay a little bit more average for the next six to twelve months there for you.\n\nChannel 1: Yep.\n\nChannel 0: You can see the page over what that sort of looks like in terms of a projection, but as I said, the next five years will never replicate the last five years anyway. But\n\nChannel 1: No.\n\nChannel 0: it just kind of shows you what that change sort of looks like between the the portfolios there. Perfect. And then within regards to your beneficiary nominations, they are up to date on Hub twenty four. And I do need to just quickly check your\n\nChannel 1: Yeah.\n\nChannel 0: insurances.\n\nChannel 1: I believe.\n\nChannel 0: Yeah. And\n\nChannel 1: Should've\n\nChannel 0: I think that\n\nChannel 1: done\n\nChannel 0: one's\n\nChannel 1: them\n\nChannel 0: up to\n\nChannel 1: for\n\nChannel 0: date.\n\nChannel 1: both.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So that's all up to date. And then just by maintaining that, obviously, spouse is a 100% tax dependent there and assist dependent, so she'll receive those funds tax free should anything happen to you. So still get maintaining there. The main part there is just establishing a will to make sure that\n\nChannel 1: Yes.\n\nChannel 0: everything did happen, that you do have some estate planning measures in place. Now we can just pass along a bit of information from a local solicitor. Sometimes it is as easy to go to someone more local to you, but we can pass\n\nChannel 1: Yeah.\n\nChannel 0: along that information pamphlet if you wanna see some general pricing and just a little bit about wills and estates. Yep.\n\nChannel 1: Yeah. If you got someone you can recommend, a 100%, I'll be, yeah, keen to say that.\n\nChannel 0: As I said, they're just like a trusted partner. They do some stuff business wise here as far as as well. They have their own fees and services that isn't like the pamphlets we'll get you sent out just to have a look at those. And then if you can find someone cheaper or not happy days, be a no obligation to to use their service whatsoever, but they are trusted partner here that sort\n\nChannel 1: Okay.\n\nChannel 0: of we're happy to pass along the details for. Perfect. And then with that, you can establish, like, power of attorney as well, which we do recommend, whether it's your spouse or not. It just means that if anything happened where you're incapacitated, it just means that there is someone there that can make those financial decisions for you or medical decisions in the event that you can't make them yourself without having to petition the courts and things like that and can really sort of save some heartache and hassle and cost in the event that those things do occur. And then, obviously, you know, it's a lot of stress and sort of burden on family members when something does occur that you don't know exactly what your family's wishes would be if it comes to that point.\n\nSo if you can put those into writing, it makes it a lot easier on them to take\n\nChannel 1: Yeah.\n\nChannel 0: that decision sorta out of their hands.\n\nChannel 1: Cool. No. I was keen to do that this year. It's been on the on the list for a while now.\n\nChannel 0: Perfect. As far as the recommendation, obviously, I did get through the the last estate planning bit a little bit there quite quickly. But do you have any questions in regards to that investment change or what we are recommending there, Chris?\n\nChannel 1: No. I'm pretty happy with it.\n\nChannel 0: Not a problem. Obviously, take your time and have a look through it, see if you come back with any questions or not. But as I said, quite simple, just the investment update and a little bit of estate planning side of things. As far as remuneration, it is still just gonna be the 1.65%, which is around $60,170 dollars for a twelve month fee for you being an ongoing client. And then 22% of the insurance premiums with Zurich just for maintaining that policy.\n\nThat's not an additional cost that you pay.\n\nChannel 1: Mhmm.\n\nChannel 0: It's just a cost there that we get from Zurich for maintaining the policy out of the premium you pay to them. We just disclose\n\nChannel 1: Yeah. Okay.\n\nChannel 0: it because we obviously do get it, which means that total we get around $2,171 per annum there as a remuneration for the service there.\n\nChannel 1: Yep.\n\nChannel 0: As far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you. It might take a few weeks with the managed funds to see that sort of happen. It just sort of means that, like, they do take some time to obviously sell down and pay out. And then with that, we'd change those underlying investments for you. And then as far as the estate planning side of things, it is up to you to organize with yourself and your spouse to to do with a a lawyer.\n\nChannel 1: Yep. Now I just see there's a text box above the signature line. Is there anything I need to fill in there? Or\n\nChannel 0: That would only be if you wanted to make any sort of changes to the advice,\n\nChannel 1: okay.\n\nChannel 0: whether that be you don't wanna take\n\nChannel 1: So\n\nChannel 0: on some form of the recommendation.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Otherwise,\n\nChannel 1: pretty happy\n\nChannel 0: it\n\nChannel 1: with it.\n\nChannel 0: Yep. Yeah. If\n\nChannel 1: And\n\nChannel 0: you were\n\nChannel 1: if\n\nChannel 0: happy\n\nChannel 1: I,\n\nChannel 0: Wait. I'm sorry.\n\nChannel 1: I yeah. Once the phone is do I receive, like, a a copy of it?\n\nChannel 0: With the audio sign, you should receive, like, a certificate of completion still. I can't remember from memory what it would be exactly like, but you do have a copy of those documents all listed there anyway that you can download. It's\n\nChannel 1: Okay.\n\nChannel 0: obviously just not a saved one, but you can save all those PDFs down and you've got all the documents there anyway. It just might not be the the safe version of that, but we'll have a copy here and we can sort of send it to you at any point, like, from your time here or even if you leave as a client.\n\nChannel 1: Yep. Okay. Just like That would Cool. Alright. Well, that's coming back your way.\n\nI'll just put nonapplicable on the text box because it won't let me validate it without anything in it.\n\nChannel 0: Not oh, okay. Not a problem. But do you have any other questions while you've got me there, Chris, in regards to any of that? Did you want me to check-in that they reach out in six months regarding sort of seeing where you're at with things?\n\nChannel 1: Yeah. Actually, I'll see that.\n\nChannel 0: Yep. I'll just track you down for a six month follow-up, and I'll get the team there to send out that lawyer information there for you. But is there anything else there that I can sort of answer or assist you with there today while you've got me?\n\nChannel 1: No. No. Pretty happy with with what we end up went over today. So, no, much appreciated.\n\nChannel 0: Not a problem at all. Any questions you do have, feel free to always just reach out, shoot us an email, or give us a a call. Not a problem. But otherwise, I'll let you get back to you your day there, Chris.\n\nChannel 1: Thanks, mate. Have a good day.\n\nChannel 0: Cheers. Thank you. Bye now.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.06179637461900711},{"text":"Erica speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.05773908644914627}],"sentiment":"neutral","sentiment_score":0.059091515839099884,"channel":1,"num_words":3,"start":0.96,"end":2.02},{"sentences":[{"text":"Hi, Chris.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.22449897229671478},{"text":"It's Carl calling from OQ Financial.","start":3.04,"end":4.48,"sentiment":"neutral","sentiment_score":0.21431576957305273},{"text":"How are you today?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.31410010904073715}],"sentiment":"neutral","sentiment_score":0.24927441651622453,"channel":0,"num_words":12,"start":2.56,"end":5.38},{"sentences":[{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.5219427347183228},{"text":"Yourself?","start":5.8399997,"end":6.3399997,"sentiment":"positive","sentiment_score":0.34233999252319336}],"sentiment":"positive","sentiment_score":0.43214136362075806,"channel":1,"num_words":2,"start":5.52,"end":6.3399997},{"sentences":[{"text":"Yeah.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.3438938856124878},{"text":"Not too bad at all.","start":7.2799997,"end":8.08,"sentiment":"positive","sentiment_score":0.4361788690090179},{"text":"Thanks for asking.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.7342984875043234},{"text":"I just scheduled in for your statement advice.","start":8.8,"end":10.4,"sentiment":"positive","sentiment_score":0.4566751606762409},{"text":"Presentation today.","start":10.4,"end":11.2,"sentiment":"neutral","sentiment_score":0.24728423357009888}],"sentiment":"positive","sentiment_score":0.46713965503793015,"channel":0,"num_words":19,"start":7.04,"end":11.2},{"sentences":[{"text":"Is now still a good time?","start":11.2,"end":12.375,"sentiment":"neutral","sentiment_score":0.32339828213055927}],"sentiment":"neutral","sentiment_score":0.32339828213055927,"channel":0,"num_words":6,"start":11.2,"end":12.375},{"sentences":[{"text":"Yeah.","start":12.719999,"end":13.12,"sentiment":"neutral","sentiment_score":0.23101453483104703},{"text":"Yep.","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":0.3017231822013855}],"sentiment":"neutral","sentiment_score":0.2663688585162163,"channel":1,"num_words":2,"start":12.719999,"end":13.62},{"sentences":[{"text":"Perfect.","start":14.295,"end":14.695,"sentiment":"positive","sentiment_score":0.5251349210739136},{"text":"If I could just grab your client pass so we can get stuck into that one today there, Chris.","start":14.695,"end":18.395,"sentiment":"positive","sentiment_score":0.356348128695237}],"sentiment":"positive","sentiment_score":0.36478746831417086,"channel":0,"num_words":20,"start":14.295,"end":18.395},{"sentences":[{"text":"Lily.","start":18.725,"end":19.225,"sentiment":"neutral","sentiment_score":0.19777432084083557}],"sentiment":"neutral","sentiment_score":0.19777432084083557,"channel":1,"num_words":1,"start":18.725,"end":19.225},{"sentences":[{"text":"Perfect.","start":21.654999,"end":22.154999,"sentiment":"neutral","sentiment_score":0.3329727053642273},{"text":"It's Liliana, the full name, but I'll take it up.","start":22.215,"end":25.115,"sentiment":"neutral","sentiment_score":0.2156859129667282}],"sentiment":"neutral","sentiment_score":0.22634834863922812,"channel":0,"num_words":11,"start":21.654999,"end":25.115},{"sentences":[{"text":"Oh, everyone's been taking Lily, but","start":25.285,"end":27.705,"sentiment":"neutral","sentiment_score":0.0381965609267354}],"sentiment":"neutral","sentiment_score":0.0381965609267354,"channel":1,"num_words":6,"start":25.285,"end":27.705},{"sentences":[{"text":"Just to to let you know, obviously yeah.","start":28.3,"end":30.3,"sentiment":"neutral","sentiment_score":0.013699298491701484},{"text":"But no.","start":30.3,"end":31.18,"sentiment":"neutral","sentiment_score":-0.07404886931180954},{"text":"That's that's more","start":31.18,"end":31.9,"sentiment":"neutral","sentiment_score":0.012836988394459086}],"sentiment":"neutral","sentiment_score":5.857302592345549e-7,"channel":0,"num_words":13,"start":28.3,"end":31.9},{"sentences":[{"text":"okay.","start":31.79,"end":32.11,"sentiment":"neutral","sentiment_score":0.1039912775158882}],"sentiment":"neutral","sentiment_score":0.1039912775158882,"channel":1,"num_words":1,"start":31.79,"end":32.11},{"sentences":[{"text":"than","start":31.9,"end":32.14,"sentiment":"neutral","sentiment_score":0.08916023373603821}],"sentiment":"neutral","sentiment_score":0.08916023373603821,"channel":0,"num_words":1,"start":31.9,"end":32.14},{"sentences":[{"text":"Cool.","start":32.11,"end":32.61,"sentiment":"neutral","sentiment_score":0.21102091670036316}],"sentiment":"neutral","sentiment_score":0.21102091670036316,"channel":1,"num_words":1,"start":32.11,"end":32.61},{"sentences":[{"text":"fine.","start":32.14,"end":32.64,"sentiment":"neutral","sentiment_score":0.11569821834564208}],"sentiment":"neutral","sentiment_score":0.11569821834564208,"channel":0,"num_words":1,"start":32.14,"end":32.64},{"sentences":[{"text":"No.","start":32.989998,"end":33.31,"sentiment":"neutral","sentiment_score":-0.02555091679096222},{"text":"I'll remember that.","start":33.31,"end":34.45,"sentiment":"neutral","sentiment_score":-0.009292593070616325}],"sentiment":"neutral","sentiment_score":-0.013357174000702798,"channel":1,"num_words":4,"start":32.989998,"end":34.45},{"sentences":[{"text":"Perfect.","start":35.26,"end":35.76,"sentiment":"neutral","sentiment_score":0.2802213430404663},{"text":"Obviously, you only have the one grandmother probably named Lily Liliana.","start":36.7,"end":40.879997,"sentiment":"neutral","sentiment_score":0.07062972811135379},{"text":"Sorry.","start":40.94,"end":41.26,"sentiment":"neutral","sentiment_score":0.05811028182506561},{"text":"That's so it's easy","start":41.26,"end":42.695,"sentiment":"neutral","sentiment_score":0.12806000374257565}],"sentiment":"neutral","sentiment_score":0.09573521465063095,"channel":0,"num_words":17,"start":35.26,"end":42.695},{"sentences":[{"text":"Yeah.","start":43.605003,"end":43.845,"sentiment":"neutral","sentiment_score":0.09168850630521774},{"text":"Well,","start":43.845,"end":44.085003,"sentiment":"neutral","sentiment_score":0.017072224989533424}],"sentiment":"neutral","sentiment_score":0.054380365647375584,"channel":1,"num_words":2,"start":43.605003,"end":44.085003},{"sentences":[{"text":"for","start":44.035,"end":44.535,"sentiment":"neutral","sentiment_score":-0.0073834918439388275}],"sentiment":"neutral","sentiment_score":-0.0073834918439388275,"channel":0,"num_words":1,"start":44.035,"end":44.535},{"sentences":[{"text":"no.","start":44.085003,"end":44.245003,"sentiment":"neutral","sentiment_score":-0.01321130059659481},{"text":"It's two of our grandmother's names put together.","start":44.245003,"end":46.265003,"sentiment":"neutral","sentiment_score":0.00621680892072618}],"sentiment":"neutral","sentiment_score":0.004058130085468292,"channel":1,"num_words":9,"start":44.085003,"end":46.265003},{"sentences":[{"text":"me to oh, okay.","start":45.875,"end":47.495,"sentiment":"neutral","sentiment_score":0.018593032844364643},{"text":"Okay.","start":47.635002,"end":47.955,"sentiment":"neutral","sentiment_score":0.07248230278491974},{"text":"Fair enough.","start":47.955,"end":48.515,"sentiment":"neutral","sentiment_score":0.09804074093699455},{"text":"There there you go.","start":48.515,"end":49.235,"sentiment":"neutral","sentiment_score":0.08392828330397606},{"text":"The more you know.","start":49.235,"end":50.114998,"sentiment":"neutral","sentiment_score":0.03936432581394911}],"sentiment":"neutral","sentiment_score":0.05574042350053787,"channel":0,"num_words":15,"start":45.875,"end":50.114998},{"sentences":[{"text":"I might actually update.","start":50.114998,"end":51.415,"sentiment":"neutral","sentiment_score":0.08827012963593006},{"text":"Perfect.","start":58.53,"end":59.03,"sentiment":"positive","sentiment_score":0.34508588910102844},{"text":"And just to confirm there, Chris, I know you did confirm your details, which is because it has been, like, a little bit since we sort of did speak ourselves.","start":60.61,"end":67.665,"sentiment":"neutral","sentiment_score":0.07896302665273348},{"text":"Can I just confirm that in regards to your situation?","start":67.725,"end":69.805,"sentiment":"neutral","sentiment_score":0.04960228092968464},{"text":"Has anything largely changed since we, like, originally had our conversation?","start":69.805,"end":73.745,"sentiment":"neutral","sentiment_score":-0.03797870180146261}],"sentiment":"neutral","sentiment_score":0.05616632672691984,"channel":0,"num_words":56,"start":50.114998,"end":73.745},{"sentences":[{"text":"That was, what, late last year?","start":76.135,"end":78.15501,"sentiment":"neutral","sentiment_score":-0.03665413986891508}],"sentiment":"neutral","sentiment_score":-0.03665413986891508,"channel":1,"num_words":6,"start":76.135,"end":78.15501},{"sentences":[{"text":"Yeah.","start":78.605,"end":79.005005,"sentiment":"neutral","sentiment_score":-0.018588509410619736},{"text":"Late last year.","start":79.005005,"end":80.065,"sentiment":"neutral","sentiment_score":-0.03118356503546238}],"sentiment":"neutral","sentiment_score":-0.02803480112925172,"channel":0,"num_words":4,"start":78.605,"end":80.065},{"sentences":[{"text":"No.","start":83.86,"end":84.26,"sentiment":"neutral","sentiment_score":-0.08430076390504837},{"text":"No.","start":84.26,"end":84.58,"sentiment":"neutral","sentiment_score":-0.08768012374639511},{"text":"Has it?","start":84.58,"end":85.24,"sentiment":"neutral","sentiment_score":-0.060670698061585426}],"sentiment":"neutral","sentiment_score":-0.07333057094365358,"channel":1,"num_words":4,"start":83.86,"end":85.24},{"sentences":[{"text":"Occupational, the same income.","start":85.43,"end":87.13,"sentiment":"neutral","sentiment_score":-0.04793405532836914},{"text":"Everything.","start":87.19,"end":87.59,"sentiment":"neutral","sentiment_score":-0.04851905629038811},{"text":"Debt may be a little bit different, but largely unchanged.","start":87.59,"end":90.01,"sentiment":"neutral","sentiment_score":-0.07973893284797669}],"sentiment":"neutral","sentiment_score":-0.06917630707224211,"channel":0,"num_words":15,"start":85.43,"end":90.01},{"sentences":[{"text":"Yeah.","start":91.46,"end":91.7,"sentiment":"neutral","sentiment_score":0.005472677759826183},{"text":"That's unchanged.","start":91.7,"end":93.0,"sentiment":"neutral","sentiment_score":0.020930103957653046},{"text":"Pay is still $1.70.","start":94.325,"end":96.104996,"sentiment":"neutral","sentiment_score":0.02778979018330574},{"text":"Yeah.","start":98.405,"end":98.905,"sentiment":"neutral","sentiment_score":0.03278050571680069},{"text":"Not not much has changed.","start":99.125,"end":100.585,"sentiment":"neutral","sentiment_score":0.009740980714559555}],"sentiment":"neutral","sentiment_score":0.018459804284457978,"channel":1,"num_words":13,"start":91.46,"end":100.585},{"sentences":[{"text":"Perfect.","start":102.565,"end":103.045,"sentiment":"neutral","sentiment_score":0.3058611750602722},{"text":"Not a problem at all.","start":103.045,"end":104.425,"sentiment":"neutral","sentiment_score":0.29084732532501223},{"text":"Now in relation to the advice piece there today, it is quite simple in what we were doing.","start":105.125,"end":110.259995,"sentiment":"neutral","sentiment_score":0.27970990704165566},{"text":"We're just looking at that investment update really there for you to sprinkle in a little bit of estate planning for you.","start":110.259995,"end":115.939995,"sentiment":"neutral","sentiment_score":0.30343862487511203},{"text":"And then I know you are happy with your insurances, so we scope those out.","start":115.939995,"end":119.21999,"sentiment":"neutral","sentiment_score":0.28026051421960196}],"sentiment":"neutral","sentiment_score":0.2897448129341251,"channel":0,"num_words":61,"start":102.565,"end":119.21999},{"sentences":[{"text":"But this will just be going to your email, sablo_25@live.com.au.","start":119.21999,"end":127.634995,"sentiment":"neutral","sentiment_score":0.09900906682014465}],"sentiment":"neutral","sentiment_score":0.09900906682014465,"channel":0,"num_words":10,"start":119.21999,"end":127.634995},{"sentences":[{"text":"Yes.","start":126.145,"end":126.645,"sentiment":"neutral","sentiment_score":0.08679848164319992},{"text":"Mhmm.","start":127.985,"end":128.485,"sentiment":"neutral","sentiment_score":0.04606971889734268}],"sentiment":"neutral","sentiment_score":0.0664341002702713,"channel":1,"num_words":2,"start":126.145,"end":128.485},{"sentences":[{"text":"I'll send that now, and, hopefully, it comes through in a second.","start":128.095,"end":130.495,"sentiment":"neutral","sentiment_score":0.0844321771680067},{"text":"It might just take a little bit there, and then we'll run through that document together.","start":130.495,"end":134.035,"sentiment":"neutral","sentiment_score":0.03401715669315308},{"text":"And how much time do you sort of have spare?","start":134.63,"end":137.37,"sentiment":"neutral","sentiment_score":0.012393707223236562},{"text":"I can make it quite quick for you if you sort of still have to get back to work, or I can take a little bit more time depending on","start":137.51,"end":143.45,"sentiment":"neutral","sentiment_score":0.15660767133037248}],"sentiment":"neutral","sentiment_score":0.09381805654779515,"channel":0,"num_words":68,"start":128.095,"end":143.45},{"sentences":[{"text":"No.","start":143.14,"end":143.64,"sentiment":"neutral","sentiment_score":-0.04963603615760803},{"text":"Take take a bit more time because I'm looking to make some investment moves sort of midyear once my fixed loan term 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me.","start":501.13498,"end":505.055,"sentiment":"neutral","sentiment_score":0.2354883129398028},{"text":"There are a few other attachments there for you.","start":505.055,"end":507.395,"sentiment":"neutral","sentiment_score":0.2157993879583147},{"text":"Just the PDFs is in regards to your superannuation product still, And then you've also got your appendix to the statement of advice as well.","start":507.535,"end":515.07,"sentiment":"neutral","sentiment_score":0.1792428535223007}],"sentiment":"neutral","sentiment_score":0.23225616907080016,"channel":0,"num_words":75,"start":495.775,"end":515.07},{"sentences":[{"text":"And then you've also got within that one the new OQ services guide and financial services guide there as well just to be able to see the updated changes there as well for 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everything.","start":530.385,"end":537.265,"sentiment":"positive","sentiment_score":0.3431041230758031},{"text":"But it is created for yourself, prepared by myself and the team there as an authorized representative under OQ Financial.","start":537.265,"end":543.35,"sentiment":"neutral","sentiment_score":0.21248889341950417},{"text":"In regards to best interest duty, we obviously make the recommendations with the best interest duty in mind that we're trying to put you in a better position the way you are 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that.","start":801.01495,"end":805.355,"sentiment":"negative","sentiment_score":-0.3459649980068207},{"text":"It it's not great in the sense that you do lose it on a paper value, and it's obviously great if everything goes up all the time.","start":805.65497,"end":811.495,"sentiment":"negative","sentiment_score":-0.4662378231684367},{"text":"But in saying that, that's sort of unsustainable in a sense anyway.","start":811.495,"end":814.71497,"sentiment":"negative","sentiment_score":-0.5994189927975336},{"text":"With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value.","start":815.095,"end":825.63,"sentiment":"negative","sentiment_score":-0.3508712843888336},{"text":"So, you know, a","start":825.63,"end":826.67004,"sentiment":"neutral","sentiment_score":-0.2451639398932457}],"sentiment":"negative","sentiment_score":-0.408462279389814,"channel":0,"num_words":97,"start":801.01495,"end":826.67004},{"sentences":[{"text":"Okay.","start":826.645,"end":827.145,"sentiment":"neutral","sentiment_score":-0.240589439868927}],"sentiment":"neutral","sentiment_score":-0.240589439868927,"channel":1,"num_words":1,"start":826.645,"end":827.145},{"sentences":[{"text":"year of bad sort of growth now is, like, everything sort of sitting low, your contribution's going in.","start":826.67004,"end":831.17004,"sentiment":"negative","sentiment_score":-0.47991520000828636},{"text":"Once they","start":831.305,"end":831.625,"sentiment":"neutral","sentiment_score":-0.1420566812157631}],"sentiment":"negative","sentiment_score":-0.44612934812903404,"channel":0,"num_words":20,"start":826.67004,"end":831.625},{"sentences":[{"text":"Yep.","start":831.605,"end":832.105,"sentiment":"neutral","sentiment_score":-0.11641225963830948}],"sentiment":"neutral","sentiment_score":-0.11641225963830948,"channel":1,"num_words":1,"start":831.605,"end":832.105},{"sentences":[{"text":"sort of start to recover from that, you know, the war stops, it means you bought more for less at that time, and then the recovery should be a little bit nicer on the back end as well for you.","start":831.625,"end":840.845,"sentiment":"positive","sentiment_score":0.38697150927037}],"sentiment":"positive","sentiment_score":0.38697150927037,"channel":0,"num_words":40,"start":831.625,"end":840.845},{"sentences":[{"text":"Yeah.","start":840.96,"end":841.16003,"sentiment":"neutral","sentiment_score":0.28778934478759766},{"text":"I suppose it keeps getting it's no different to if I bought Coca Cola shares twenty seven years ago and then, you know, I haven't touched it since this day and invested more over that twenty seven years.","start":841.16003,"end":851.235,"sentiment":"neutral","sentiment_score":0.16512134494750122},{"text":"So that's a good way of putting it.","start":851.235,"end":852.935,"sentiment":"positive","sentiment_score":0.5633433796465397}],"sentiment":"neutral","sentiment_score":0.23551377638223323,"channel":1,"num_words":47,"start":840.96,"end":852.935},{"sentences":[{"text":"Exactly.","start":853.32,"end":853.82,"sentiment":"neutral","sentiment_score":0.1843855381011963},{"text":"And it's much too, like, same as owning your own home.","start":853.95996,"end":856.815,"sentiment":"neutral","sentiment_score":0.10092322392897173},{"text":"If someone told you tomorrow that your house is only worth a dollar, you're not gonna go out tomorrow and go, I'm gonna sell my house for a dollar.","start":856.815,"end":862.675,"sentiment":"neutral","sentiment_score":-0.125442899249751},{"text":"You're","start":862.815,"end":862.975,"sentiment":"neutral","sentiment_score":-0.11913292109966278}],"sentiment":"neutral","sentiment_score":-0.05862942852434658,"channel":0,"num_words":42,"start":853.32,"end":862.975},{"sentences":[{"text":"No.","start":862.91504,"end":863.41504,"sentiment":"neutral","sentiment_score":-0.250363290309906}],"sentiment":"neutral","sentiment_score":-0.250363290309906,"channel":1,"num_words":1,"start":862.91504,"end":863.41504},{"sentences":[{"text":"gonna go, I have it.","start":862.975,"end":865.215,"sentiment":"neutral","sentiment_score":-0.2552907556295395},{"text":"I'm gonna hold it.","start":865.215,"end":866.175,"sentiment":"neutral","sentiment_score":-0.06228620000183582},{"text":"You know, I know the value is gonna increase and, you know, the the sort of, you know, more people than there is things going around and that's never gonna change.","start":866.175,"end":873.12,"sentiment":"neutral","sentiment_score":0.018412635932045597},{"text":"So consumer driven growth is always going to be a thing.","start":873.12,"end":876.66,"sentiment":"neutral","sentiment_score":0.207550433549014}],"sentiment":"neutral","sentiment_score":0.02604407656426523,"channel":0,"num_words":51,"start":862.975,"end":876.66},{"sentences":[{"text":"Yep.","start":877.51495,"end":878.01495,"sentiment":"neutral","sentiment_score":0.16464386880397797}],"sentiment":"neutral","sentiment_score":0.16464386880397797,"channel":1,"num_words":1,"start":877.51495,"end":878.01495},{"sentences":[{"text":"As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving.","start":879.36,"end":892.955,"sentiment":"neutral","sentiment_score":0.17628646163003786},{"text":"Not just Benelon itself.","start":893.255,"end":894.375,"sentiment":"neutral","sentiment_score":-0.008919829968363047},{"text":"We looked at the entire portfolio on how we can sort of better manage that moving forward and with the update.","start":894.375,"end":900.17,"sentiment":"neutral","sentiment_score":0.2027256999697004},{"text":"Now obviously, we kept in line with the high growth portfolio, in line with you, re subjected in that long term time horizon.","start":900.47003,"end":906.33,"sentiment":"neutral","sentiment_score":0.22192158226085745},{"text":"But in saying that as well, you were quite focused on having a bit of a greater exposure in the tech sector and aiming for that longer term growth.","start":907.03,"end":915.945,"sentiment":"neutral","sentiment_score":0.15002327065529494}],"sentiment":"neutral","sentiment_score":0.1771467479744128,"channel":0,"num_words":119,"start":879.36,"end":915.945},{"sentences":[{"text":"So with that, we did look at switching some of your investments for that Nasdaq investment that hold those companies as well.","start":916.245,"end":922.95,"sentiment":"neutral","sentiment_score":0.18154696679928087},{"text":"Good thing for you is the Nasdaq did take a bit of a dive sort of during February then, so you will be buying into that a lower amount.","start":923.03,"end":930.55,"sentiment":"positive","sentiment_score":0.44014030181128405},{"text":"But, obviously, tech side of things long term is still quite high conviction in that.","start":930.55,"end":935.865,"sentiment":"positive","sentiment_score":0.430245089236026},{"text":"It is a satellite, so turning about 5% of your portfolio, which means that you will still have a nice amount there across that and the cybersecurity to be a more tech focused side of things.","start":936.185,"end":946.985,"sentiment":"positive","sentiment_score":0.34939298530419666},{"text":"And then you'll still have a nice core of the S and P 500 and then also the BetaShares Australian two hundred as the core of your portfolio in that, if that makes sense.","start":946.985,"end":956.51,"sentiment":"positive","sentiment_score":0.333492311046404}],"sentiment":"positive","sentiment_score":0.3465342971116222,"channel":0,"num_words":136,"start":916.245,"end":956.51},{"sentences":[{"text":"Yep.","start":957.02997,"end":957.52997,"sentiment":"neutral","sentiment_score":0.16347920894622803}],"sentiment":"neutral","sentiment_score":0.16347920894622803,"channel":1,"num_words":1,"start":957.02997,"end":957.52997},{"sentences":[{"text":"Yep.","start":958.57,"end":959.07,"sentiment":"neutral","sentiment_score":0.15104994177818298},{"text":"So within regards and you can see all the the changes there on page 15 once we get down to it.","start":959.77,"end":964.875,"sentiment":"neutral","sentiment_score":0.12034987942093894},{"text":"Obviously, there's a few words that do come before that.","start":964.875,"end":967.295,"sentiment":"neutral","sentiment_score":0.05832967050373554},{"text":"Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management.","start":968.795,"end":976.475,"sentiment":"neutral","sentiment_score":0.10247190948575735},{"text":"Now are","start":976.475,"end":977.57,"sentiment":"neutral","sentiment_score":0.021821489557623863}],"sentiment":"neutral","sentiment_score":0.09939074002463243,"channel":0,"num_words":58,"start":958.57,"end":977.57},{"sentences":[{"text":"Mhmm.","start":977.47003,"end":977.97003,"sentiment":"neutral","sentiment_score":-0.00007188040763139725}],"sentiment":"neutral","sentiment_score":-0.00007188040763139725,"channel":1,"num_words":1,"start":977.47003,"end":977.97003},{"sentences":[{"text":"taking a little bit more risk that you are going into those tech side of and then that Nasdaq investment that has been a little bit more volatile, but you are removing that manager risk.","start":977.57,"end":985.51,"sentiment":"neutral","sentiment_score":-0.11315846879567419},{"text":"And, like, as you did see what happened within regards to Benelon when they did fuse, like, the the wrong sort of winners.","start":985.57,"end":993.1616,"sentiment":"neutral","sentiment_score":-0.1624538419039353},{"text":"It can sort of mean that it did not pay off, and you're paying more to have that sort of growth there as well.","start":993.1616,"end":999.635,"sentiment":"neutral","sentiment_score":-0.21545401060332856},{"text":"So","start":999.935,"end":1000.435,"sentiment":"neutral","sentiment_score":-0.0276268906891346}],"sentiment":"neutral","sentiment_score":-0.15536756526274853,"channel":0,"num_words":83,"start":977.57,"end":1000.435},{"sentences":[{"text":"Yeah.","start":1000.105,"end":1000.605,"sentiment":"neutral","sentiment_score":-0.045992836356163025}],"sentiment":"neutral","sentiment_score":-0.045992836356163025,"channel":1,"num_words":1,"start":1000.105,"end":1000.605},{"sentences":[{"text":"at the moment, in terms of, like, the the Nasdaq itself, obviously, it hasn't done too great over sort of the year to date.","start":1002.175,"end":1009.19,"sentiment":"neutral","sentiment_score":-0.1387370016115407},{"text":"It's down about 3%.","start":1009.19,"end":1010.39,"sentiment":"neutral","sentiment_score":-0.19265474751591682},{"text":"Not to say that it, you know, it's gonna turn around instantly.","start":1010.39,"end":1013.11,"sentiment":"neutral","sentiment_score":-0.14917425997555256},{"text":"With the war going on, it might still sort of hover or maybe even dip a little bit more still.","start":1013.11,"end":1017.13,"sentiment":"neutral","sentiment_score":-0.16987944804131985},{"text":"But over the longer term period, and you sort of wanting to have a bit more tech focus there as well, looking at holding that long term, it's probably gonna end up up at the end of the day there as well.","start":1017.64496,"end":1028.945,"sentiment":"neutral","sentiment_score":0.006517835227506501}],"sentiment":"neutral","sentiment_score":-0.08837488264429803,"channel":0,"num_words":102,"start":1002.175,"end":1028.945},{"sentences":[{"text":"How much?","start":1029.165,"end":1029.645,"sentiment":"neutral","sentiment_score":0.0214834026992321},{"text":"I couldn't sort of say, but it just gives you that little bit more exposure, and it's only about 5%.","start":1029.645,"end":1034.19,"sentiment":"neutral","sentiment_score":0.022291705990210176},{"text":"So it's a nice little satellite that if it goes gangbusters, it goes great.","start":1034.19,"end":1037.5499,"sentiment":"positive","sentiment_score":0.5494976873908725},{"text":"If it doesn't do too well, it doesn't mean that it's gonna, like, drastically impact your portfolio like your, like, 27% of Benelung holding that you did have, if that makes sense.","start":1037.5499,"end":1047.9349,"sentiment":"neutral","sentiment_score":0.01627234573243186}],"sentiment":"neutral","sentiment_score":0.12797770017812796,"channel":0,"num_words":68,"start":1029.165,"end":1047.9349},{"sentences":[{"text":"Yeah.","start":1048.4551,"end":1048.935,"sentiment":"neutral","sentiment_score":0.17128290235996246},{"text":"Yep.","start":1048.935,"end":1049.435,"sentiment":"neutral","sentiment_score":0.1899980902671814}],"sentiment":"neutral","sentiment_score":0.18064049631357193,"channel":1,"num_words":2,"start":1048.4551,"end":1049.435},{"sentences":[{"text":"So, yeah, the key holdings there, you still have quite a large share in the S and P five hundred at 35%.","start":1051.0349,"end":1056.475,"sentiment":"neutral","sentiment_score":0.2597738023508679},{"text":"But given that it is sort of top 500 companies in America is high conviction and that moving forward still, you have 25% in the Australian beta shares and the Australian market as a whole.","start":1056.475,"end":1065.8099,"sentiment":"positive","sentiment_score":0.41835745019572124},{"text":"You know, obviously, the Benelong didn't do too well as Australian equities, but it's not been doing too bad either.","start":1066.0299,"end":1070.9299,"sentiment":"neutral","sentiment_score":0.17959098778665067},{"text":"And then you've got a little bit of exposure outside The US, Europe.","start":1071.7849,"end":1075.485,"sentiment":"neutral","sentiment_score":0.1380262919343435},{"text":"And then with that, that cyber investment there as well, which gives you a nice sort of spread.","start":1077.1449,"end":1082.6849,"sentiment":"neutral","sentiment_score":0.3293422965539826}],"sentiment":"neutral","sentiment_score":0.2932579379390787,"channel":0,"num_words":108,"start":1051.0349,"end":1082.6849},{"sentences":[{"text":"In in conjunction with that, you do have the gold and the the composite bonds, which is your defensive portion","start":1082.825,"end":1089.4108,"sentiment":"neutral","sentiment_score":0.2741653762757778}],"sentiment":"neutral","sentiment_score":0.2741653762757778,"channel":0,"num_words":20,"start":1082.825,"end":1089.4108},{"sentences":[{"text":"Yep.","start":1089.08,"end":1089.58,"sentiment":"positive","sentiment_score":0.3373797833919525}],"sentiment":"positive","sentiment_score":0.3373797833919525,"channel":1,"num_words":1,"start":1089.08,"end":1089.58},{"sentences":[{"text":"there as well.","start":1089.4108,"end":1090.415,"sentiment":"positive","sentiment_score":0.4153015812238057},{"text":"But overall, it will save you moving forward in terms of costs.","start":1090.415,"end":1094.4321,"sentiment":"positive","sentiment_score":0.6242675359050432},{"text":"It'll be in line with your agreed risk profile.","start":1094.4321,"end":1097.445,"sentiment":"positive","sentiment_score":0.48659271995226544},{"text":"And then with that, you still have been ongoing client.","start":1097.5249,"end":1099.6849,"sentiment":"neutral","sentiment_score":0.2792734280228615},{"text":"We'd hope you have those regular reviews, and we can still focus that.","start":1099.6849,"end":1102.565,"sentiment":"neutral","sentiment_score":0.2913607977903806}],"sentiment":"positive","sentiment_score":0.41908243203416784,"channel":0,"num_words":47,"start":1089.4108,"end":1102.565},{"sentences":[{"text":"And you'll have that little bit more of a greater exposure to the technology sector as as you wanted.","start":1102.565,"end":1107.3849,"sentiment":"neutral","sentiment_score":0.2818330487138347}],"sentiment":"neutral","sentiment_score":0.2818330487138347,"channel":0,"num_words":19,"start":1102.565,"end":1107.3849},{"sentences":[{"text":"Yep.","start":1108.205,"end":1108.705,"sentiment":"neutral","sentiment_score":0.11979466676712036}],"sentiment":"neutral","sentiment_score":0.11979466676712036,"channel":1,"num_words":1,"start":1108.205,"end":1108.705},{"sentences":[{"text":"Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain.","start":1111.22,"end":1127.5751,"sentiment":"neutral","sentiment_score":-0.18337748114909255},{"text":"But if it goes the other way, you're actually buying in at a lower cost as well.","start":1127.5751,"end":1131.255,"sentiment":"neutral","sentiment_score":0.18370218224385204},{"text":"So it's a bit of","start":1131.255,"end":1131.9751,"sentiment":"neutral","sentiment_score":0.03884926289319992}],"sentiment":"neutral","sentiment_score":-0.10077649240873837,"channel":0,"num_words":89,"start":1111.22,"end":1131.9751},{"sentences":[{"text":"Yeah.","start":1131.975,"end":1132.475,"sentiment":"neutral","sentiment_score":0.046513065695762634}],"sentiment":"neutral","sentiment_score":0.046513065695762634,"channel":1,"num_words":1,"start":1131.975,"end":1132.475},{"sentences":[{"text":"a fifty fifty, but selling low and buying low isn't a bad thing.","start":1131.9751,"end":1135.175,"sentiment":"neutral","sentiment_score":0.11241975598610364},{"text":"It's just a volatile in the meantime.","start":1135.175,"end":1136.6951,"sentiment":"neutral","sentiment_score":0.036239984312227795},{"text":"But I dare say given that everything sort of, you know, just kinda trickled down, there wasn't like a a nuclear bomb sort of drop that it shouldn't cause too much effect to you and especially over the long term there as well.","start":1136.6951,"end":1148.9601,"sentiment":"neutral","sentiment_score":0.0641806086655273},{"text":"Just something to be mindful of.","start":1149.355,"end":1150.975,"sentiment":"neutral","sentiment_score":-0.03470458462834358}],"sentiment":"neutral","sentiment_score":0.06183587511380514,"channel":0,"num_words":69,"start":1131.9751,"end":1150.975},{"sentences":[{"text":"Yeah.","start":1151.68,"end":1152.18,"sentiment":"neutral","sentiment_score":0.06521651148796082}],"sentiment":"neutral","sentiment_score":0.06521651148796082,"channel":1,"num_words":1,"start":1151.68,"end":1152.18},{"sentences":[{"text":"We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long.","start":1152.5549,"end":1158.6349,"sentiment":"neutral","sentiment_score":-0.0696385032074018},{"text":"If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that.","start":1158.6349,"end":1164.36,"sentiment":"neutral","sentiment_score":-0.19326084673404695},{"text":"And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame.","start":1164.84,"end":1172.78,"sentiment":"neutral","sentiment_score":-0.06387231977922576}],"sentiment":"neutral","sentiment_score":-0.10869324256976445,"channel":0,"num_words":75,"start":1152.5549,"end":1172.78},{"sentences":[{"text":"Yes.","start":1173.33,"end":1173.83,"sentiment":"neutral","sentiment_score":0.157299742102623}],"sentiment":"neutral","sentiment_score":0.157299742102623,"channel":1,"num_words":1,"start":1173.33,"end":1173.83},{"sentences":[{"text":"We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market.","start":1175.4,"end":1194.41,"sentiment":"neutral","sentiment_score":0.24576562565209262},{"text":"We also considered holding it a bit more of an active portfolio, but due to the cost involved, the lower historical performance and how the indexes have been, you know, traveling so far and then having a little bit more risk with a bit more tech focused as opposed to those actively managed funds, it sort of balances out a little bit with the the lower cost and having those index investments as opposed to, like, active managements again active management again, if that makes 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page 15, you will see those buyers and sales.","start":1225.31,"end":1227.7101,"sentiment":"neutral","sentiment_score":0.09795205146074296},{"text":"So the main ones that you're getting rid of there is obviously the Ben Long, Ballym Lithium Tech actually did have a nice sort of rebound the past twelve months, so that's nice.","start":1227.7101,"end":1236.665,"sentiment":"neutral","sentiment_score":0.19191649025588325}],"sentiment":"neutral","sentiment_score":0.18171087174635867,"channel":0,"num_words":46,"start":1223.31,"end":1236.665},{"sentences":[{"text":"Agriculture is sort of been a bit of a mute point there as well, and health care hasn't done too fantastic either over the longer period of time.","start":1236.965,"end":1244.485,"sentiment":"neutral","sentiment_score":0.046661864700061936},{"text":"The diversified Vanguard index hasn't been too bad in terms of, like, the return it has been getting.","start":1244.485,"end":1250.4299,"sentiment":"neutral","sentiment_score":0.1268453560769558},{"text":"But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites.","start":1250.4299,"end":1264.225,"sentiment":"neutral","sentiment_score":0.029878370091319086}],"sentiment":"neutral","sentiment_score":0.0556381793562756,"channel":0,"num_words":86,"start":1236.965,"end":1264.225},{"sentences":[{"text":"Yep.","start":1266.75,"end":1267.25,"sentiment":"neutral","sentiment_score":0.07447865605354309}],"sentiment":"neutral","sentiment_score":0.07447865605354309,"channel":1,"num_words":1,"start":1266.75,"end":1267.25},{"sentences":[{"text":"Do you have any questions in regards to those investments or the recommendation there, Christopher?","start":1268.845,"end":1274.5449,"sentiment":"neutral","sentiment_score":0.05543570617834727}],"sentiment":"neutral","sentiment_score":0.05543570617834727,"channel":0,"num_words":15,"start":1268.845,"end":1274.5449},{"sentences":[{"text":"No.","start":1276.415,"end":1276.735,"sentiment":"neutral","sentiment_score":-0.05779271572828293},{"text":"No.","start":1276.735,"end":1276.975,"sentiment":"neutral","sentiment_score":-0.03578697890043259},{"text":"I'm fine.","start":1276.975,"end":1277.635,"sentiment":"neutral","sentiment_score":0.06916755624115467}],"sentiment":"neutral","sentiment_score":0.011188854463398457,"channel":1,"num_words":4,"start":1276.415,"end":1277.635},{"sentences":[{"text":"Yep.","start":1278.56,"end":1278.96,"sentiment":"neutral","sentiment_score":0.22577844560146332},{"text":"You do have in the appendix there as well all the links to those investments to be able to have a look at those and see if you were happy with those.","start":1278.96,"end":1286.26,"sentiment":"neutral","sentiment_score":0.2290167803876102},{"text":"Obviously, there's still quite a heavy weighting in sort of those indexes in terms of, like, isn't sort of spread, you know, evenly across all of them.","start":1286.32,"end":1293.9049,"sentiment":"neutral","sentiment_score":0.04734011463544987},{"text":"Obviously, if you look at, like, the S and P 500 and it sort of returns over the past five to ten years, it's still quite a bit of consumer confidence in those still tracking quite well, And that's how","start":1293.9049,"end":1304.29,"sentiment":"positive","sentiment_score":0.4213787090033293}],"sentiment":"neutral","sentiment_score":0.25687646873295306,"channel":0,"num_words":100,"start":1278.56,"end":1304.29},{"sentences":[{"text":"Mhmm.","start":1304.155,"end":1304.655,"sentiment":"neutral","sentiment_score":0.24934083223342896}],"sentiment":"neutral","sentiment_score":0.24934083223342896,"channel":1,"num_words":1,"start":1304.155,"end":1304.655},{"sentences":[{"text":"the investment committee views it as well with that.","start":1304.29,"end":1307.51,"sentiment":"positive","sentiment_score":0.4168492721186744},{"text":"And then sort of even though it has taken a little bit of a a dip there currently, it's sort of expected that it will still track nicely moving forward there as well.","start":1307.5701,"end":1317.11,"sentiment":"positive","sentiment_score":0.33897713752407016},{"text":"Even the the last year, I think it was around the the eighteen percent sort of mark.","start":1318.125,"end":1322.685,"sentiment":"neutral","sentiment_score":0.1131996177136898},{"text":"Obviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well.","start":1322.685,"end":1333.38,"sentiment":"neutral","sentiment_score":-0.0849657471784774}],"sentiment":"neutral","sentiment_score":0.15025211918738582,"channel":0,"num_words":93,"start":1304.29,"end":1333.38},{"sentences":[{"text":"Yep.","start":1334.16,"end":1334.66,"sentiment":"neutral","sentiment_score":0.23247568309307096}],"sentiment":"neutral","sentiment_score":0.23247568309307096,"channel":1,"num_words":1,"start":1334.16,"end":1334.66},{"sentences":[{"text":"Perfect.","start":1335.8401,"end":1336.3401,"sentiment":"positive","sentiment_score":0.40753448009490967},{"text":"As far as the split, we obviously aim for that ninetyten sort of 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as the recommendation, obviously, I did get through the the last estate planning bit a little bit there quite quickly.","start":1586.8251,"end":1592.35,"sentiment":"neutral","sentiment_score":0.23539146103642203},{"text":"But do you have any questions in regards to that investment change or what we are recommending there, Chris?","start":1592.35,"end":1596.69,"sentiment":"neutral","sentiment_score":0.06313411303256687}],"sentiment":"neutral","sentiment_score":0.1639076725003265,"channel":0,"num_words":42,"start":1585.625,"end":1596.69},{"sentences":[{"text":"No.","start":1596.98,"end":1597.1,"sentiment":"neutral","sentiment_score":0.06152604520320892},{"text":"I'm pretty happy with it.","start":1597.1,"end":1598.44,"sentiment":"neutral","sentiment_score":0.2107576996088028}],"sentiment":"neutral","sentiment_score":0.18588575720787048,"channel":1,"num_words":6,"start":1596.98,"end":1598.44},{"sentences":[{"text":"Not a problem.","start":1599.15,"end":1599.79,"sentiment":"neutral","sentiment_score":0.2831691304842631},{"text":"Obviously, take your time and have a look through it, see if you come back with any questions or not.","start":1599.79,"end":1603.57,"sentiment":"neutral","sentiment_score":0.18261328153312206},{"text":"But as I said, quite simple, just the investment update and a little bit of estate planning side of things.","start":1604.635,"end":1608.815,"sentiment":"neutral","sentiment_score":0.17953617870807648},{"text":"As far as remuneration, it is still just gonna be the 1.65%, which is around $60,170 dollars for a twelve month fee for you being an ongoing client.","start":1609.035,"end":1618.335,"sentiment":"neutral","sentiment_score":0.1717422210744449},{"text":"And then 22% of the insurance premiums with Zurich just for maintaining that policy.","start":1618.49,"end":1623.6901,"sentiment":"neutral","sentiment_score":0.21370367492948258}],"sentiment":"neutral","sentiment_score":0.18697800276910556,"channel":0,"num_words":85,"start":1599.15,"end":1623.6901},{"sentences":[{"text":"That's not an additional cost that you pay.","start":1623.6901,"end":1625.77,"sentiment":"neutral","sentiment_score":0.1762339361011982}],"sentiment":"neutral","sentiment_score":0.1762339361011982,"channel":0,"num_words":8,"start":1623.6901,"end":1625.77},{"sentences":[{"text":"Mhmm.","start":1625.46,"end":1625.96,"sentiment":"neutral","sentiment_score":0.073419488966465}],"sentiment":"neutral","sentiment_score":0.073419488966465,"channel":1,"num_words":1,"start":1625.46,"end":1625.96},{"sentences":[{"text":"It's just a cost there that we get from Zurich for maintaining the policy out of the premium you pay to them.","start":1625.77,"end":1631.985,"sentiment":"neutral","sentiment_score":0.16876387088136238},{"text":"We just disclose","start":1632.065,"end":1632.865,"sentiment":"neutral","sentiment_score":0.04449088250597318}],"sentiment":"neutral","sentiment_score":0.15385111227631568,"channel":0,"num_words":25,"start":1625.77,"end":1632.865},{"sentences":[{"text":"Yeah.","start":1632.585,"end":1632.825,"sentiment":"neutral","sentiment_score":0.04834016412496567},{"text":"Okay.","start":1632.825,"end":1633.325,"sentiment":"neutral","sentiment_score":-0.0092427721247077}],"sentiment":"neutral","sentiment_score":0.019548696000128984,"channel":1,"num_words":2,"start":1632.585,"end":1633.325},{"sentences":[{"text":"it because we obviously do get it, which means that total we get around $2,171 per annum there as a remuneration for the service there.","start":1632.865,"end":1641.765,"sentiment":"neutral","sentiment_score":0.1879842260479927}],"sentiment":"neutral","sentiment_score":0.1879842260479927,"channel":0,"num_words":25,"start":1632.865,"end":1641.765},{"sentences":[{"text":"Yep.","start":1642.2101,"end":1642.7101,"sentiment":"neutral","sentiment_score":0.26168614625930786}],"sentiment":"neutral","sentiment_score":0.26168614625930786,"channel":1,"num_words":1,"start":1642.2101,"end":1642.7101},{"sentences":[{"text":"As far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you.","start":1643.505,"end":1652.39,"sentiment":"positive","sentiment_score":0.3342394183079402},{"text":"It might take a few weeks with the managed funds to see that sort of happen.","start":1652.39,"end":1657.05,"sentiment":"neutral","sentiment_score":0.09662269125692546},{"text":"It just sort of means that, like, they do take some time to obviously sell down and pay out.","start":1657.595,"end":1662.015,"sentiment":"neutral","sentiment_score":0.06384036219433735},{"text":"And then with that, we'd change those underlying investments for you.","start":1663.275,"end":1666.0751,"sentiment":"neutral","sentiment_score":0.09424483911557631},{"text":"And then as far as the estate planning side of things, it is up to you to organize with yourself and your spouse to to do with a a lawyer.","start":1666.0751,"end":1672.895,"sentiment":"neutral","sentiment_score":0.07186402504642804}],"sentiment":"neutral","sentiment_score":0.15074270257269437,"channel":0,"num_words":106,"start":1643.505,"end":1672.895},{"sentences":[{"text":"Yep.","start":1674.27,"end":1674.77,"sentiment":"neutral","sentiment_score":0.08122207969427109},{"text":"Now I just see there's a text box above the signature line.","start":1676.99,"end":1680.5299,"sentiment":"neutral","sentiment_score":0.02556522850257655},{"text":"Is there anything I need to fill in there?","start":1680.99,"end":1682.99,"sentiment":"neutral","sentiment_score":-0.00006139568156666226},{"text":"Or","start":1682.99,"end":1683.23,"sentiment":"neutral","sentiment_score":-0.008402204141020775}],"sentiment":"neutral","sentiment_score":0.01648043723695952,"channel":1,"num_words":23,"start":1674.27,"end":1683.23},{"sentences":[{"text":"That would only be if you wanted to make any sort of changes to the advice,","start":1683.5499,"end":1687.63,"sentiment":"neutral","sentiment_score":-0.01767514308448881}],"sentiment":"neutral","sentiment_score":-0.01767514308448881,"channel":0,"num_words":16,"start":1683.5499,"end":1687.63},{"sentences":[{"text":"okay.","start":1687.275,"end":1687.775,"sentiment":"neutral","sentiment_score":-0.01557861641049385}],"sentiment":"neutral","sentiment_score":-0.01557861641049385,"channel":1,"num_words":1,"start":1687.275,"end":1687.775},{"sentences":[{"text":"whether that be you don't wanna take","start":1687.63,"end":1689.375,"sentiment":"neutral","sentiment_score":-0.04222069414598601}],"sentiment":"neutral","sentiment_score":-0.04222069414598601,"channel":0,"num_words":7,"start":1687.63,"end":1689.375},{"sentences":[{"text":"So","start":1689.275,"end":1689.775,"sentiment":"neutral","sentiment_score":-0.019004296511411667}],"sentiment":"neutral","sentiment_score":-0.019004296511411667,"channel":1,"num_words":1,"start":1689.275,"end":1689.775},{"sentences":[{"text":"on some form of the recommendation.","start":1689.375,"end":1690.995,"sentiment":"neutral","sentiment_score":0.000814204104244709}],"sentiment":"neutral","sentiment_score":0.000814204104244709,"channel":0,"num_words":6,"start":1689.375,"end":1690.995},{"sentences":[{"text":"Yep.","start":1692.395,"end":1692.895,"sentiment":"neutral","sentiment_score":0.1811486780643463}],"sentiment":"neutral","sentiment_score":0.1811486780643463,"channel":1,"num_words":1,"start":1692.395,"end":1692.895},{"sentences":[{"text":"Yeah.","start":1694.895,"end":1695.2151,"sentiment":"neutral","sentiment_score":0.25232672691345215}],"sentiment":"neutral","sentiment_score":0.25232672691345215,"channel":0,"num_words":1,"start":1694.895,"end":1695.2151},{"sentences":[{"text":"I'm","start":1695.035,"end":1695.275,"sentiment":"neutral","sentiment_score":0.29508155584335327}],"sentiment":"neutral","sentiment_score":0.29508155584335327,"channel":1,"num_words":1,"start":1695.035,"end":1695.275},{"sentences":[{"text":"Otherwise,","start":1695.2151,"end":1695.535,"sentiment":"positive","sentiment_score":0.3544231653213501}],"sentiment":"positive","sentiment_score":0.3544231653213501,"channel":0,"num_words":1,"start":1695.2151,"end":1695.535},{"sentences":[{"text":"pretty 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were","start":1698.015,"end":1698.3351,"sentiment":"neutral","sentiment_score":0.12807270884513855}],"sentiment":"neutral","sentiment_score":0.12807270884513855,"channel":0,"num_words":2,"start":1698.015,"end":1698.3351},{"sentences":[{"text":"if","start":1698.315,"end":1698.475,"sentiment":"neutral","sentiment_score":0.11684682965278624}],"sentiment":"neutral","sentiment_score":0.11684682965278624,"channel":1,"num_words":1,"start":1698.315,"end":1698.475},{"sentences":[{"text":"happy","start":1698.3351,"end":1698.8351,"sentiment":"neutral","sentiment_score":0.1200382560491562}],"sentiment":"neutral","sentiment_score":0.1200382560491562,"channel":0,"num_words":1,"start":1698.3351,"end":1698.8351},{"sentences":[{"text":"I,","start":1698.475,"end":1698.975,"sentiment":"neutral","sentiment_score":0.08800428360700607}],"sentiment":"neutral","sentiment_score":0.08800428360700607,"channel":1,"num_words":1,"start":1698.475,"end":1698.975},{"sentences":[{"text":"Wait.","start":1699.295,"end":1699.535,"sentiment":"neutral","sentiment_score":0.06241872161626816},{"text":"I'm sorry.","start":1699.535,"end":1700.115,"sentiment":"neutral","sentiment_score":-0.002171874279156328}],"sentiment":"neutral","sentiment_score":0.019358324352651834,"channel":0,"num_words":3,"start":1699.295,"end":1700.115},{"sentences":[{"text":"I yeah.","start":1701.6901,"end":1701.77,"sentiment":"neutral","sentiment_score":0.023588187992572784},{"text":"Once the phone is do I receive, like, a a copy of it?","start":1701.77,"end":1705.31,"sentiment":"neutral","sentiment_score":0.06051787533439123}],"sentiment":"neutral","sentiment_score":0.05559391702214877,"channel":1,"num_words":15,"start":1701.6901,"end":1705.31},{"sentences":[{"text":"With the audio sign, you should receive, like, a certificate of completion still.","start":1707.2301,"end":1711.25,"sentiment":"neutral","sentiment_score":0.12186395319608542},{"text":"I can't remember from memory what it would be exactly like, but you do have a copy of those documents all listed there anyway that you can download.","start":1711.31,"end":1719.035,"sentiment":"neutral","sentiment_score":0.11408157886138984},{"text":"It's","start":1719.035,"end":1719.1951,"sentiment":"neutral","sentiment_score":0.10327275842428207}],"sentiment":"neutral","sentiment_score":0.11623305614505496,"channel":0,"num_words":42,"start":1707.2301,"end":1719.1951},{"sentences":[{"text":"Okay.","start":1719.0651,"end":1719.5651,"sentiment":"neutral","sentiment_score":0.11831755936145782}],"sentiment":"neutral","sentiment_score":0.11831755936145782,"channel":1,"num_words":1,"start":1719.0651,"end":1719.5651},{"sentences":[{"text":"obviously just not a saved one, but you can save all those PDFs down and you've got all the documents there anyway.","start":1719.1951,"end":1724.735,"sentiment":"neutral","sentiment_score":0.08038297312503512},{"text":"It just might not be the the safe version of that, but we'll have a copy here and we can sort of send it to you at any point, like, from your time here or even if you leave as a client.","start":1725.595,"end":1734.7,"sentiment":"neutral","sentiment_score":0.10692735646097433}],"sentiment":"neutral","sentiment_score":0.09780272468924522,"channel":0,"num_words":64,"start":1719.1951,"end":1734.7},{"sentences":[{"text":"Yep.","start":1735.04,"end":1735.54,"sentiment":"neutral","sentiment_score":0.1360630989074707},{"text":"Okay.","start":1741.055,"end":1741.555,"sentiment":"neutral","sentiment_score":0.16547292470932007},{"text":"Just like That would Cool.","start":1741.775,"end":1753.5701,"sentiment":"neutral","sentiment_score":0.2603072464466095},{"text":"Alright.","start":1753.5701,"end":1753.89,"sentiment":"neutral","sentiment_score":0.24759702384471893},{"text":"Well, that's coming back your way.","start":1753.89,"end":1755.43,"sentiment":"neutral","sentiment_score":0.24967961261669794}],"sentiment":"neutral","sentiment_score":0.23919621109962463,"channel":1,"num_words":14,"start":1735.04,"end":1755.43},{"sentences":[{"text":"I'll just put nonapplicable on the text box because it won't let me validate it without anything in it.","start":1755.81,"end":1760.31,"sentiment":"neutral","sentiment_score":-0.023590647566475366}],"sentiment":"neutral","sentiment_score":-0.023590647566475366,"channel":1,"num_words":19,"start":1755.81,"end":1760.31},{"sentences":[{"text":"Not oh, okay.","start":1760.22,"end":1761.02,"sentiment":"neutral","sentiment_score":0.14104428639014563},{"text":"Not a problem.","start":1761.02,"end":1761.76,"sentiment":"neutral","sentiment_score":0.20714104672273},{"text":"But do you have any other questions while you've got me there, Chris, in regards to any of that?","start":1762.8949,"end":1766.335,"sentiment":"neutral","sentiment_score":0.0310186630016879},{"text":"Did you want me to check-in that they reach out in six months regarding sort of seeing where you're at with things?","start":1766.335,"end":1771.235,"sentiment":"neutral","sentiment_score":0.03454100069674579}],"sentiment":"neutral","sentiment_score":0.050932183227640516,"channel":0,"num_words":47,"start":1760.22,"end":1771.235},{"sentences":[{"text":"Yeah.","start":1771.8451,"end":1772.165,"sentiment":"neutral","sentiment_score":0.11655104160308838},{"text":"Actually, I'll see that.","start":1772.165,"end":1773.305,"sentiment":"neutral","sentiment_score":0.13010616600513458}],"sentiment":"neutral","sentiment_score":0.12739514112472533,"channel":1,"num_words":5,"start":1771.8451,"end":1773.305},{"sentences":[{"text":"Yep.","start":1775.39,"end":1775.5499,"sentiment":"neutral","sentiment_score":0.198666512966156},{"text":"I'll just track you down for a six month follow-up, and I'll get the team there to send out that lawyer information there for you.","start":1775.5499,"end":1780.59,"sentiment":"neutral","sentiment_score":0.2390673553943634},{"text":"But is there anything else there that I can sort of answer or assist you with there today while you've got me?","start":1780.59,"end":1786.0499,"sentiment":"neutral","sentiment_score":0.15308245508508248}],"sentiment":"neutral","sentiment_score":0.198815925202022,"channel":0,"num_words":48,"start":1775.39,"end":1786.0499},{"sentences":[{"text":"No.","start":1786.37,"end":1786.7699,"sentiment":"negative","sentiment_score":-0.37956565618515015},{"text":"No.","start":1786.7699,"end":1786.9299,"sentiment":"negative","sentiment_score":-0.49738144874572754},{"text":"Pretty happy with with what we end up went over today.","start":1786.9299,"end":1790.7699,"sentiment":"neutral","sentiment_score":-0.15941387008536945},{"text":"So, no, much appreciated.","start":1790.7699,"end":1792.265,"sentiment":"neutral","sentiment_score":-0.08681315556168556}],"sentiment":"neutral","sentiment_score":-0.1751618998892167,"channel":1,"num_words":17,"start":1786.37,"end":1792.265},{"sentences":[{"text":"Not a problem at all.","start":1792.9249,"end":1793.725,"sentiment":"positive","sentiment_score":0.4483069717884064},{"text":"Any questions you do have, feel free to always just reach out, shoot us an email, or give us a a call.","start":1793.725,"end":1798.525,"sentiment":"neutral","sentiment_score":0.19622219997373494},{"text":"Not a problem.","start":1798.525,"end":1799.245,"sentiment":"positive","sentiment_score":0.3879500726858775},{"text":"But otherwise, I'll let you get back to you your day there, Chris.","start":1799.245,"end":1801.905,"sentiment":"positive","sentiment_score":0.3926231884039365}],"sentiment":"neutral","sentiment_score":0.2982877889691397,"channel":0,"num_words":43,"start":1792.9249,"end":1801.905},{"sentences":[{"text":"Thanks, mate.","start":1802.165,"end":1802.68,"sentiment":"positive","sentiment_score":0.8012840449810028},{"text":"Have a good day.","start":1802.68,"end":1803.507,"sentiment":"positive","sentiment_score":0.7210706025362015}],"sentiment":"positive","sentiment_score":0.7478084166844686,"channel":1,"num_words":6,"start":1802.165,"end":1803.507},{"sentences":[{"text":"Cheers.","start":1804.077,"end":1804.2369,"sentiment":"positive","sentiment_score":0.6789686679840088},{"text":"Thank you.","start":1804.2369,"end":1804.717,"sentiment":"positive","sentiment_score":0.7170422077178955},{"text":"Bye now.","start":1804.717,"end":1805.457,"sentiment":"positive","sentiment_score":0.4605046212673187}],"sentiment":"positive","sentiment_score":0.6068124651908875,"channel":0,"num_words":5,"start":1804.077,"end":1805.457},{"sentences":[{"text":"Bye.","start":1805.8269,"end":1806.3269,"sentiment":"neutral","sentiment_score":-0.10609205067157744}],"sentiment":"neutral","sentiment_score":-0.10609205067157744,"channel":1,"num_words":1,"start":1805.8269,"end":1806.3269}]},"summary":{"result":"success","short":"The OQ Financial agent contacts Chris to schedule a statement advice session and emphasizes the benefits of being a primary resident to save on taxes and deduct fees. The agent suggests investing in investment properties to save on taxes and deduct fees, and emphasizes the importance of managing income and reducing taxes for retirement plans. The speaker emphasizes the importance of retaining and updating investments, maintaining a risk profile score, and updating portfolios. The speaker provides advice on managing estate planning and updating an estate, and suggests maintaining a will and maintaining estate planning measures for future needs. The speaker also discusses the process of updating an estate and offers to follow up with a caller in six months."},"intents":{"segments":[{"text":"I just scheduled in for your statement advice. Presentation today.","start_word":26,"end_word":35,"intents":[{"intent":"Schedule statement advice","confidence_score":0.045797393}]},{"text":"So, obviously, like, the sort of steps in what we sort of generally space out is, like, given, like, the current legislation that is, is investment properties are a really good tool in terms of, like, a next step investment from your primary resident just purely for the fact that the interest accrued on those loans for investment properties at the moment given the legislation is a 100% a tax deduction in terms of, like, the cost Okay.","start_word":609,"end_word":686,"intents":[{"intent":"Evaluate investment properties","confidence_score":0.0556896}]},{"text":"Definitely looking at investment properties. So I'm kind of trying to find the worst house in a good location, so to speak, and then Yeah. sit on it for twelve months and put put some capital into it as well. Yep.","start_word":1030,"end_word":1070,"intents":[{"intent":"Analyze investing options","confidence_score":0.00026638285}]},{"text":"We can sort of refer you to a mortgage broker here if you do want a second opinion or if you've got your own one as well.","start_word":1154,"end_word":1180,"intents":[{"intent":"Refer to mortgage broker","confidence_score":0.17418908}]},{"text":"If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund.","start_word":1209,"end_word":1238,"intents":[{"intent":"Manage funds","confidence_score":0.21208815}]},{"text":"If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund. We can pair it with, like, your platform. Hub 24 has the option to have IDPSs, and it can reduce administration costs.","start_word":1209,"end_word":1260,"intents":[{"intent":"Reduce investment fees","confidence_score":0.0058342554}]},{"text":"Because, obviously, if you're looking to day trade a little bit more, be a little bit more actively involved in it, we're a little bit more long term sort of investment time horizons, and we can sort of facilitate some changes to a degree.","start_word":1302,"end_word":1345,"intents":[{"intent":"Facilitate changes","confidence_score":0.8060586}]},{"text":"For the the statement of advice.","start_word":1439,"end_word":1444,"intents":[{"intent":"Provide statement of advice","confidence_score":0.051807716}]},{"text":"So in regards to this advice piece, as I say, quite simple in terms of what we're trying to cover, we were just looking at Hub twenty four and exploring the investments to try and strength strengthen that performance due to that Benelong and what did occur with that one and just putting in Yes.","start_word":1661,"end_word":1715,"intents":[{"intent":"Consolidate performance and reschedule","confidence_score":6.952323e-8}]},{"text":"You may wanna revisit that, but it isn't in this advice piece.","start_word":1862,"end_word":1873,"intents":[{"intent":"Remind debts","confidence_score":0.0068025645}]},{"text":"for your Tomorrow property. again? Same thing with the truck? Yes. Tomorrow again? Oh, so yeah. Sorry, man. Just saying the bottle work. No. That's fine. As far as, yeah, paying down those debts to save for potential property in the future as well and some Yeah.","start_word":1898,"end_word":1944,"intents":[{"intent":"Plan future","confidence_score":0.04753001}]},{"text":"the property, as I said, we can refer you on to a broker. We can discuss and sort of provide advice on the broader financial aspects of it. But as far as, like, products and actual properties as well, that's not something a financial adviser does, unfortunately. Yep.","start_word":2011,"end_word":2058,"intents":[{"intent":"Refer to broker","confidence_score":0.25268462}]},{"text":"on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that.","start_word":2093,"end_word":2137,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.09798952}]},{"text":"on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that. Now, obviously, it's very sound straightforward. Obviously, there's, a whole bunch of words that follow that we can run through there. But do you have any sort of questions in regards to that so far?","start_word":2093,"end_word":2172,"intents":[{"intent":"Clarify instructions","confidence_score":0.024413247}]},{"text":"Now, obviously, it's very sound straightforward. Obviously, there's, a whole bunch of words that follow that we can run through there. But do you have any sort of questions in regards to that so far? As I said, No.","start_word":2138,"end_word":2176,"intents":[{"intent":"Clarify clarity","confidence_score":0.0696854}]},{"text":"So if you could just confirm that these are all correct on that page and the next page over for your assets and liabilities. As I said, they're all just based on those older figures, so the property has gone up a bit slightly in saying that we can provide an updated advice piece to illustrate the million dollars, but we see it doesn't change what we're recommending at the end of the day No.","start_word":2224,"end_word":2298,"intents":[{"intent":"Provide advice","confidence_score":0.020132288}]},{"text":"High growth. Yep. Strategy recommendations. Yep. So down to that part, we'll just touch you on the high growth there. Obviously, you did score that high growth, and that's that's still ninety ten split. Do you have any questions in regards to your risk profile score on maintaining that? Not really.","start_word":2309,"end_word":2359,"intents":[{"intent":"Touch high growth","confidence_score":0.004680535}]},{"text":"Strategy recommendations. Yep.","start_word":2312,"end_word":2314,"intents":[{"intent":"Discuss strategy recommendations","confidence_score":0.10099667}]},{"text":"Just probably if you recommend, obviously, with what's going on globally, am I still suited to actually, no. I'll just keep it high growth.","start_word":2360,"end_word":2383,"intents":[{"intent":"Keep high growth","confidence_score":0.02479537}]},{"text":"I understand your concerns in regards to that. So as far as working wise considered, you're very much a spring chicken in the sense that you're working for another twenty seven years before you even get the chance to try and touch your super. And then Yeah.","start_word":2385,"end_word":2431,"intents":[{"intent":"Understand concerns","confidence_score":0.16554129}]},{"text":"With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value.","start_word":2530,"end_word":2565,"intents":[{"intent":"Help with market corrections","confidence_score":0.00033847216},{"intent":"Discuss contribution","confidence_score":0.19712816}]},{"text":"As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving.","start_word":2774,"end_word":2815,"intents":[{"intent":"Analyze strategy recommendations","confidence_score":0.00029519395}]},{"text":"So within regards and you can see all the the changes there on page 15 once we get down to it. Obviously, there's a few words that do come before that. Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management. Now are Mhmm.","start_word":3031,"end_word":3088,"intents":[{"intent":"Analyze portfolio trends","confidence_score":0.0204081}]},{"text":"And then with that, that cyber investment there as well, which gives you a nice sort of spread.","start_word":3435,"end_word":3452,"intents":[{"intent":"Discuss bitcoin investments","confidence_score":0.00006736094}]},{"text":"Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain.","start_word":3541,"end_word":3607,"intents":[{"intent":"Recall risks and objectives","confidence_score":8.804063e-8},{"intent":"Understand risks and expectations","confidence_score":0.000036921352}]},{"text":"We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long.","start_word":3701,"end_word":3722,"intents":[{"intent":"Consider costs and capital gains","confidence_score":0.028726637}]},{"text":"If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that. And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame.","start_word":3724,"end_word":3776,"intents":[{"intent":"Maximize portfolio costs","confidence_score":0.011362483}]},{"text":"If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that. And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame. Yes.","start_word":3724,"end_word":3777,"intents":[{"intent":"Discuss portfolio portfolio options","confidence_score":0.00041607325},{"intent":"Discuss portfolio management preferences","confidence_score":0.000019596728},{"intent":"Discuss portfolio allocation","confidence_score":0.03819083}]},{"text":"We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market.","start_word":3777,"end_word":3843,"intents":[{"intent":"Consider switching providers","confidence_score":0.15017335},{"intent":"Consider switching funds","confidence_score":0.068884484}]},{"text":"Yeah.","start_word":3930,"end_word":3930,"intents":[{"intent":"Consider holding active portfolio","confidence_score":0.18638983}]},{"text":"But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites.","start_word":4025,"end_word":4064,"intents":[{"intent":"Consider portfolio selection","confidence_score":0.0068939584}]},{"text":"Even the the last year, I think it was around the the eighteen percent sort of mark. Obviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well. Yep. Perfect.","start_word":4228,"end_word":4280,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.45524576}]},{"text":"So with that, you will be guaranteed to save around the $360 mark in terms of, like, your investment costs for a portfolio that has been historically a little less volatile and also been performing better there for you as well.","start_word":4506,"end_word":4546,"intents":[{"intent":"Save money","confidence_score":0.43020368}]},{"text":"insurances. I believe.","start_word":4687,"end_word":4689,"intents":[{"intent":"Check insurances","confidence_score":0.441472}]},{"text":"So that's all up to date. And then just by maintaining that, obviously, spouse is a 100% tax dependent there and assist dependent, so she'll receive those funds tax free should anything happen to you. So still get maintaining there.","start_word":4707,"end_word":4746,"intents":[{"intent":"Maintain will","confidence_score":0.09604438}]},{"text":"The main part there is just establishing a will to make sure that Yes. everything did happen, that you do have some estate planning measures in place.","start_word":4747,"end_word":4773,"intents":[{"intent":"Confirm estate planning","confidence_score":0.0028055029}]},{"text":"Now we can just pass along a bit of information from a local solicitor. Sometimes it is as easy to go to someone more local to you, but we can pass Yeah. along that information pamphlet if you wanna see some general pricing and just a little bit about wills and estates. Yep.","start_word":4774,"end_word":4826,"intents":[{"intent":"Provide information","confidence_score":0.15344994}]},{"text":"And then if you can find someone cheaper or not happy days, be a no obligation to to use their service whatsoever, but they are trusted partner here that sort Okay.","start_word":4890,"end_word":4920,"intents":[{"intent":"Help clients with options","confidence_score":0.000009653998}]},{"text":"As far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you.","start_word":5301,"end_word":5330,"intents":[{"intent":"Ensure compliance with advice implementation","confidence_score":0.00016517444}]}]},"sentiments":{"segments":[{"text":"Hello. Erica speaking. Hi, Chris. It's Carl calling from OQ Financial. How are you today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.20063163340091705},{"text":"Good. Yourself? Yeah. Not too bad at all. Thanks for asking. I just scheduled in for your statement advice.","start_word":15,"end_word":33,"sentiment":"positive","sentiment_score":0.4804261326789856},{"text":"Presentation today. Is now still a good time? Yeah. Yep.","start_word":34,"end_word":43,"sentiment":"neutral","sentiment_score":0.3011006712913513},{"text":"Perfect. If I could just grab your client pass so we can get stuck into that one today there, Chris.","start_word":44,"end_word":63,"sentiment":"positive","sentiment_score":0.37009066343307495},{"text":"Lily. Perfect. It's Liliana, the full name, but I'll take it up. Oh, everyone's been taking Lily, but Just to to let you know, obviously yeah. But no. That's that's more okay. than Cool. fine. No. I'll remember that. Perfect. Obviously, you only have the one grandmother probably named Lily Liliana. Sorry. That's so it's easy Yeah. Well, for no. It's two of our grandmother's names put together. me to oh, okay. Okay. Fair enough. There there you go. The more you know. I might actually update.","start_word":64,"end_word":150,"sentiment":"neutral","sentiment_score":0.07819385081529617},{"text":"Perfect.","start_word":151,"end_word":151,"sentiment":"positive","sentiment_score":0.34508588910102844},{"text":"And just to confirm there, Chris, I know you did confirm your details, which is because it has been, like, a little bit since we sort of did speak ourselves. Can I just confirm that in regards to your situation? Has anything largely changed since we, like, originally had our conversation? That was, what, late last year? Yeah. Late last year. No. No. Has it? Occupational, the same income. Everything. Debt may be a little bit different, but largely unchanged. Yeah. That's unchanged. Pay is still $1.70. Yeah. Not not much has changed. Perfect. Not a problem at all. Now in relation to the advice piece there today, it is quite simple in what we were doing. We're just looking at that investment update really there for you to sprinkle in a little bit of estate planning for you. And then I know you are happy with your insurances, so we scope those out. But this will just be going to your email, sablo_25@live.com.au. Yes. Mhmm. I'll send that now, and, hopefully, it comes through in a second. It might just take a little bit there, and then we'll run through that document together. And how much time do you sort of have spare? I can make it quite quick for you if you sort of still have to get back to work, or I can take a little bit more time depending on No. Take take a bit more time because I'm looking to make some investment moves sort of midyear once my fixed loan term ends. yep.","start_word":152,"end_word":410,"sentiment":"neutral","sentiment_score":0.09456807490021106},{"text":"And just recently had a a free appraisal from a real estate agent. Well, a couple of them actually that have shown interest with the house, so it's worth more than what it was last year currently for what I've what I've been quoted.","start_word":411,"end_word":454,"sentiment":"positive","sentiment_score":0.3942925035953522},{"text":"So And then with that one there, what was the value of the home that currently 20 sitting on 4. a mill. Yep. And have you thought about, like, obviously, I know the interest rates did go up the other day, but have you thought about, like, refinancing and things like that A in 100 terms? percent. Yeah. I'll be refinancing. And at this stage, looking to pull some of the equity out of the house to invest in a different couple of Yep. In things. terms of, like, an investment portfolio So and or yeah. So some in crypto, some in stocks, and, yeah, don't know what else at the moment that'll allow me. I know how much I can pull out of the house, but I won't be pulling the full amount out. Yeah. Yep. But, yeah, if you guys recommend anything else as well, I'm yeah.","start_word":455,"end_word":603,"sentiment":"neutral","sentiment_score":0.07125215232372284},{"text":"I'll consider it as well.","start_word":604,"end_word":608,"sentiment":"positive","sentiment_score":0.419248104095459},{"text":"So, obviously, like, the sort of steps in what we sort of generally space out is, like, given, like, the current legislation that is, is investment properties are a really good tool in terms of, like, a next step investment from your primary resident just purely for the fact that the interest accrued on those loans for investment properties at the moment given the legislation is a 100% a tax deduction in terms of, like, the cost Okay. you are paying, and it can just help if it is sort of things like negatively geared, reducing your, you know, your taxable income, things like that as well where you you slightly could be making more if you are getting the capital growth out of that plus some money going towards the the principal as well.","start_word":609,"end_word":743,"sentiment":"neutral","sentiment_score":0.1516261689193521},{"text":"Making more into the sense that you're saving on some form of tax and then having some deductions, being able to, like, improve the the property, things like that as well. Yep. It's a tool that's a bit more tangible. People are a bit more comfortable with it as well.","start_word":744,"end_word":793,"sentiment":"positive","sentiment_score":0.5416283011436462},{"text":"Not to say it's for everyone.","start_word":794,"end_word":799,"sentiment":"neutral","sentiment_score":0.21986201405525208},{"text":"It is just a nice tool.","start_word":800,"end_word":805,"sentiment":"positive","sentiment_score":0.588756799697876},{"text":"And then, obviously, with the capital gains reform, it's like they might also change those rules in terms of, like, investment properties and how much of a tax deduction you do get with regards to, like, capital gains and how much you actually have to pay moving forward. But Yeah. in saying But that wouldn't that come in effect until I sell the house. exactly. And sort Yeah. of is it a lot of people too like, this is obviously long, long term. If you're looking sort of, like, I'm not too sure, like, what your sort of area is like and what you sort of wanna do in the future, but if you look to an area that you wanna potentially retire, whether or not you'd either beach, things like that, and getting in as an investment earlier, you can look to sort of use your primary now to then downsize into your investment later in life, and it really isn't much of an issue moving forward. You can sort of, you know, get the benefit of being a primary being sold, downsizing to your investment where you wanna look at retiring and say twenty, thirty years time down the track anyway when you might be looking to do that. It's just sort of that forward thinking Yeah. that you can No. do. Definitely looking at investment properties. So I'm kind of trying to find the worst house in a good location, so to speak, and then Yeah. sit on it for twelve months and put put some capital into it as well. Yep. And, yeah, obviously, that's like your sort of other option looking those, like, ROI areas and then just sort of getting the growth out of it as well. Obviously, Yeah. be mindful, like, you know, it's selling within twelve months and things like that. Obviously, you met the twelve month rule, but, you know, same two d things like that and the cost of buying and selling can eat away at those sort of things as well. Mhmm. Yeah. That's more than fine. We can sort of refer you to a mortgage broker here if you do want a second opinion or if you've got your own one as well. In regards to that, as far as, like, the investment portfolios crypto we don't touch, it's just through the risky nature of it. That's Yeah. fine. That's fine. If you did wanna look at having, like, an IDPS in conjunction with your superannuation, it is, like, same as, like, your superannuation and management fee for managing that fund. We can pair it with, like, your platform. Hub 24 has the option to have IDPSs, and it can reduce administration costs. You can look to just have it personal on a few of those platforms there as well that you Yep. can be able to just manage it yourself depending on the amount and depending how much freedom you want with it. Because, obviously, if you're looking to day trade a little bit more, be a little bit more actively involved in it, we're a little bit more long term sort of investment time horizons, and we can sort of facilitate some changes to a degree. But if it comes like a a daily sort of, you know, a sell trade or quite regular trades, it doesn't really sort of fall in line with what we sort of do, and then the liability comes a bit different as well, Yep. if that makes sense. Yeah.","start_word":806,"end_word":1394,"sentiment":"neutral","sentiment_score":0.07448413161045424},{"text":"Perfect.","start_word":1395,"end_word":1395,"sentiment":"positive","sentiment_score":0.4663290381431579},{"text":"Do you have any questions around that at all before we get started there, Christopher?","start_word":1396,"end_word":1410,"sentiment":"neutral","sentiment_score":0.2073085606098175},{"text":"Nice.","start_word":1411,"end_word":1411,"sentiment":"positive","sentiment_score":0.3380061984062195},{"text":"Not a problem. Did you get that email that I sent there come through? Hang on. I just wait for a top dye. Yes. Here we go. For the the statement of advice.","start_word":1412,"end_word":1444,"sentiment":"neutral","sentiment_score":0.09900983422994614},{"text":"Obviously, there is a signable link there if you were happy with everything to sign the advice.","start_word":1445,"end_word":1461,"sentiment":"positive","sentiment_score":0.3592287600040436},{"text":"If you were, you can just open up the statement advice just to read through it with me. There are a few other attachments there for you. Just the PDFs is in regards to your superannuation product still, And then you've also got your appendix to the statement of advice as well. And then you've also got within that one the new OQ services guide and financial services guide there as well just to be able to see the updated changes there as well for you. Yep.","start_word":1462,"end_word":1548,"sentiment":"neutral","sentiment_score":0.19932402670383453},{"text":"Yeah. Nice. Perfect. Obviously, for the document itself, it was finalized there on the the March 11 and when it was finally printed to to PDF, obviously, getting you booked in and everything.","start_word":1549,"end_word":1581,"sentiment":"positive","sentiment_score":0.3871991038322449},{"text":"But it is created for yourself, prepared by myself and the team there as an authorized representative under OQ Financial. In regards to best interest duty, we obviously make the recommendations with the best interest duty in mind that we're trying to put you in a better position the way you are currently. Now Mhmm. if you go over the next sort of pages, you will see your goals and sort of how we came to that that scoping. So in regards to this advice piece, as I say, quite simple in terms of what we're trying to cover, we were just looking at Hub twenty four and exploring the investments to try and strength strengthen that performance due to that Benelong and what did occur with that one and just putting in Yes. a position for another sort of stint of of, like, growth and sustained growth as well of where they believe the, you know, the investment direction of the company is headed and where the market's headed there as well. But, also in regards to the estate planning side of things, I know we didn't really touch too much on it in terms of, like, what you wanted. But given, you know, you do have, you know, some assets there that are accruing now and you've got the younger family, it's sort of important to have those sort of measures in place Yep. there as well for you. As far as what wasn't considered, we did have a chat about insurances there, but you're happy with the amount of cover you currently hold. Now with debts and things, how does that changes in the future as well? You may wanna revisit that, but it isn't in this advice piece. In addition to that, budgeting and saving, I know you were saving down and trying to Okay. pay down some of that debt Yeah. for your Tomorrow property. again? Same thing with the truck? Yes. Tomorrow again? Oh, so yeah. Sorry, man. Just saying the bottle work. No. That's fine. As far as, yeah, paying down those debts to save for potential property in the future as well and some Yeah. other alternative assets, that's obviously been a goal, but we didn't do anything in regards to cash flow and budgeting for you. And then within regards to that, you're still saying that, like, down the track and sort of mid issue when you come off that, you're still looking at doing those alternative investments. But for now, it's not in this advice piece. And then Yep. the property, as I said, we can refer you on to a broker. We can discuss and sort of provide advice on the broader financial aspects of it. But as far as, like, products and actual properties as well, that's not something a financial adviser does, unfortunately. Yep. As far as your limited advice warning, it just pertains to the fact that we are only providing advice on that super and estate planning side of things in this advice piece. And Mhmm. on page 60, you will see the very straightforward part of your advice there is to retain your hub 24 and change your underlying investments with that, update your beneficiary nominations, and then also establish a will and a power of attorney there with that. Now, obviously, it's very sound straightforward. Obviously, there's, a whole bunch of words that follow that we can run through there. But do you have any sort of questions in regards to that so far? As I said, No.","start_word":1582,"end_word":2176,"sentiment":"neutral","sentiment_score":0.0687211119405487},{"text":"no. It's not so good.","start_word":2177,"end_word":2181,"sentiment":"negative","sentiment_score":-0.6535128951072693},{"text":"Yeah. Okay. No Yeah. problem. All pretty straightforward. Yep. We try to keep it a simple, stupid. We don't wanna sorta trick you up in any sort of sense. Now in the next page over, you will see your details there. So if you could just confirm that these are all correct on that page and the next page over for your assets and liabilities. As I said, they're all just based on those older figures, so the property has gone up a bit slightly in saying that we can provide an updated advice piece to illustrate the million dollars, but we see it doesn't change what we're recommending at the end of the day No. as well. No. That's fine. Ready. Current risk portfolio. Yep.","start_word":2182,"end_word":2307,"sentiment":"neutral","sentiment_score":0.03244369503642831},{"text":"Cool. High growth.","start_word":2308,"end_word":2310,"sentiment":"positive","sentiment_score":0.4183286130428314},{"text":"Yep. Strategy recommendations. Yep. So down to that part, we'll just touch you on the high growth there.","start_word":2311,"end_word":2328,"sentiment":"neutral","sentiment_score":0.26833781599998474},{"text":"Obviously, you did score that high growth, and that's that's still ninety ten split.","start_word":2329,"end_word":2342,"sentiment":"positive","sentiment_score":0.33845195174217224},{"text":"Do you have any questions in regards to your risk profile score on maintaining that? Not really. Just probably if you recommend, obviously, with what's going on globally, am I still suited to actually, no. I'll just keep it high growth. Yes. I understand your concerns in regards to that. So as far as working wise considered, you're very much a spring chicken in the sense that you're working for another twenty seven years before you even get the chance to try and touch your super. And then Yeah. that's if the government doesn't change anything along the way. Fingers crossed, knock wood. But that's quite a huge time frame to be invested and remain invested in those sort of growth assets and those high growth assets to where Yeah.","start_word":2343,"end_word":2472,"sentiment":"neutral","sentiment_score":-0.17773325741291046},{"text":"that these sort of dips in the market and the blips of, like, COVID and things like that. It it's not great in the sense that you do lose it on a paper value, and it's obviously great if everything goes up all the time. But in saying that, that's sort of unsustainable in a sense anyway. With these market corrections, what does occur there, if anything, you know, with this contribution still going into those assets for when the returns do occur, it just means you bought them at a lower value.","start_word":2473,"end_word":2565,"sentiment":"negative","sentiment_score":-0.4217309057712555},{"text":"So, you know, a Okay.","start_word":2566,"end_word":2570,"sentiment":"neutral","sentiment_score":-0.24291494488716123},{"text":"year of bad sort of growth now is, like, everything sort of sitting low, your contribution's going in.","start_word":2571,"end_word":2588,"sentiment":"negative","sentiment_score":-0.46407389640808105},{"text":"Once they Yep.","start_word":2589,"end_word":2591,"sentiment":"neutral","sentiment_score":-0.10343070328235626},{"text":"sort of start to recover from that, you know, the war stops, it means you bought more for less at that time, and then the recovery should be a little bit nicer on the back end as well for you.","start_word":2592,"end_word":2631,"sentiment":"positive","sentiment_score":0.3854178190231323},{"text":"Yeah. I suppose it keeps getting it's no different to if I bought Coca Cola shares twenty seven years ago and then, you know, I haven't touched it since this day and invested more over that twenty seven years.","start_word":2632,"end_word":2670,"sentiment":"neutral","sentiment_score":0.1680932641029358},{"text":"So that's a good way of putting it.","start_word":2671,"end_word":2678,"sentiment":"positive","sentiment_score":0.5741785168647766},{"text":"Exactly. And it's much too, like, same as owning your own home. If someone told you tomorrow that your house is only worth a dollar, you're not gonna go out tomorrow and go, I'm gonna sell my house for a dollar. You're No. gonna go, I have it. I'm gonna hold it. You know, I know the value is gonna increase and, you know, the the sort of, you know, more people than there is things going around and that's never gonna change. So consumer driven growth is always going to be a thing. Yep. As far as the strategy recommendation, it is quite simple and straightforward in the sense that we are looking to update the portfolio from the the Benelon and the like, what did occur with that and the performance that it was receiving. Not just Benelon itself. We looked at the entire portfolio on how we can sort of better manage that moving forward and with the update. Now obviously, we kept in line with the high growth portfolio, in line with you, re subjected in that long term time horizon. But in saying that as well, you were quite focused on having a bit of a greater exposure in the tech sector and aiming for that longer term growth. So with that, we did look at switching some of your investments for that Nasdaq investment that hold those companies as well.","start_word":2679,"end_word":2914,"sentiment":"neutral","sentiment_score":0.08746378123760223},{"text":"Good thing for you is the Nasdaq did take a bit of a dive sort of during February then, so you will be buying into that a lower amount. But, obviously, tech side of things long term is still quite high conviction in that. It is a satellite, so turning about 5% of your portfolio, which means that you will still have a nice amount there across that and the cybersecurity to be a more tech focused side of things.","start_word":2915,"end_word":2994,"sentiment":"positive","sentiment_score":0.40052364617586134},{"text":"And then you'll still have a nice core of the S and P 500 and then also the BetaShares Australian two hundred as the core of your portfolio in that, if that makes sense. Yep. Yep. So within regards and you can see all the the changes there on page 15 once we get down to it. Obviously, there's a few words that do come before that. Obviously, that was when we looked at that as well, we looked at lowering investment costs with those ETFs instead of that active management. Now are Mhmm. taking a little bit more risk that you are going into those tech side of and then that Nasdaq investment that has been a little bit more volatile, but you are removing that manager risk. And, like, as you did see what happened within regards to Benelon when they did fuse, like, the the wrong sort of winners. It can sort of mean that it did not pay off, and you're paying more to have that sort of growth there as well. So Yeah. at the moment, in terms of, like, the the Nasdaq itself, obviously, it hasn't done too great over sort of the year to date. It's down about 3%. Not to say that it, you know, it's gonna turn around instantly. With the war going on, it might still sort of hover or maybe even dip a little bit more still. But over the longer term period, and you sort of wanting to have a bit more tech focus there as well, looking at holding that long term, it's probably gonna end up up at the end of the day there as well. How much? I couldn't sort of say, but it just gives you that little bit more exposure, and it's only about 5%.","start_word":2995,"end_word":3296,"sentiment":"neutral","sentiment_score":-0.01735590398311615},{"text":"So it's a nice little satellite that if it goes gangbusters, it goes great.","start_word":3297,"end_word":3310,"sentiment":"positive","sentiment_score":0.5381280183792114},{"text":"If it doesn't do too well, it doesn't mean that it's gonna, like, drastically impact your portfolio like your, like, 27% of Benelung holding that you did have, if that makes sense. Yeah. Yep. So, yeah, the key holdings there, you still have quite a large share in the S and P five hundred at 35%.","start_word":3311,"end_word":3366,"sentiment":"neutral","sentiment_score":0.10706834335412298},{"text":"But given that it is sort of top 500 companies in America is high conviction and that moving forward still, you have 25% in the Australian beta shares and the Australian market as a whole.","start_word":3367,"end_word":3401,"sentiment":"positive","sentiment_score":0.4183925688266754},{"text":"You know, obviously, the Benelong didn't do too well as Australian equities, but it's not been doing too bad either. And then you've got a little bit of exposure outside The US, Europe.","start_word":3402,"end_word":3434,"sentiment":"neutral","sentiment_score":0.16033774614334106},{"text":"And then with that, that cyber investment there as well, which gives you a nice sort of spread.","start_word":3435,"end_word":3452,"sentiment":"positive","sentiment_score":0.33341240882873535},{"text":"In in conjunction with that, you do have the gold and the the composite bonds, which is your defensive portion Yep.","start_word":3453,"end_word":3473,"sentiment":"neutral","sentiment_score":0.2803829312324524},{"text":"there as well. But overall, it will save you moving forward in terms of costs. It'll be in line with your agreed risk profile.","start_word":3474,"end_word":3497,"sentiment":"positive","sentiment_score":0.5377533435821533},{"text":"And then with that, you still have been ongoing client. We'd hope you have those regular reviews, and we can still focus that. And you'll have that little bit more of a greater exposure to the technology sector as as you wanted. Yep. Obviously, with the changes and the risk and everything, obviously, with the how volatile the markets are currently, when you're sort of selling down, there is that market cost there that if anything was a change in the market while you're selling the cash and things like that and sort of rebound by any means, it means you might potentially lose out a little bit of gain. But if it goes the other way, you're actually buying in at a lower cost as well. So it's a bit of Yeah. a fifty fifty, but selling low and buying low isn't a bad thing. It's just a volatile in the meantime. But I dare say given that everything sort of, you know, just kinda trickled down, there wasn't like a a nuclear bomb sort of drop that it shouldn't cause too much effect to you and especially over the long term there as well. Just something to be mindful of. Yeah. We did also consider the the costs and the capital gains that you would be paying given the loss of Ben Long. If it's not that great in terms of, like, we are keeping some key components there as well from your old portfolio to minimize that. And then moving forward, it'll only cost about a $135 to make the other changes with offsetting the losses that then along did occur in that time frame. Yes. We did also consider switching superannuation providers to reduce some costs, but with the full sell down of capital gains, also in addition to the fact that HUB24 is actually quite a good fund still, they offer sort of aggregate trading and a few other features and their reporting is still quite good, that it wasn't really worth switching funds when it's still comparative in the market. We also considered holding it a bit more of an active portfolio, but due to the cost involved, the lower historical performance and how the indexes have been, you know, traveling so far and then having a little bit more risk with a bit more tech focused as opposed to those actively managed funds, it sort of balances out a little bit with the the lower cost and having those index investments as opposed to, like, active managements again active management again, if that makes sense. Yeah. Yeah. Good.","start_word":3498,"end_word":3932,"sentiment":"neutral","sentiment_score":0.05155538125284787},{"text":"Yep. Perfect.","start_word":3933,"end_word":3934,"sentiment":"positive","sentiment_score":0.40113240480422974},{"text":"Yeah. On page 15, you will see those buyers and sales. So the main ones that you're getting rid of there is obviously the Ben Long, Ballym Lithium Tech actually did have a nice sort of rebound the past twelve months, so that's nice. Agriculture is sort of been a bit of a mute point there as well, and health care hasn't done too fantastic either over the longer period of time. The diversified Vanguard index hasn't been too bad in terms of, like, the return it has been getting. But in saying that when moving forward, you are going into another Vanguard product, and it's just a bit of a different split and of how we're sort of spreading your portfolio across the core versus like the the satellites. Yep. Do you have any questions in regards to those investments or the recommendation there, Christopher? No. No. I'm fine. Yep. You do have in the appendix there as well all the links to those investments to be able to have a look at those and see if you were happy with those. Obviously, there's still quite a heavy weighting in sort of those indexes in terms of, like, isn't sort of spread, you know, evenly across all of them.","start_word":3935,"end_word":4144,"sentiment":"neutral","sentiment_score":0.10601747866187776},{"text":"Obviously, if you look at, like, the S and P 500 and it sort of returns over the past five to ten years, it's still quite a bit of consumer confidence in those still tracking quite well, And that's how Mhmm. the investment committee views it as well with that.","start_word":4145,"end_word":4194,"sentiment":"positive","sentiment_score":0.40363380312919617},{"text":"And then sort of even though it has taken a little bit of a a dip there currently, it's sort of expected that it will still track nicely moving forward there as well. Even the the last year, I think it was around the the eighteen percent sort of mark. Obviously, with the currency exchange and things like that, it's a bit hard to say, but even that in itself is down around 3.4% just with what did occur in the market as well. Yep.","start_word":4195,"end_word":4279,"sentiment":"neutral","sentiment_score":0.1186799854040146},{"text":"Perfect.","start_word":4280,"end_word":4280,"sentiment":"positive","sentiment_score":0.40753448009490967},{"text":"As far as the split, we obviously aim for that ninetyten sort of split. At the moment, the recommended portfolio is around 90 fivefive, and that's purely because they allocated gold as an alternative growth asset and didn't do, like, a split just because of how it has been performing in terms of the value of gold and how much it's grown capital wise as opposed to, like, being a bit more of a defensive asset and sort of market downturns and things like that as well. And downturns and things like that Yeah. as well. In saying that, it can sort of still act as a defensive portion somewhat aspect. Not to say it's fully defensive or fully growth, but it can be a bit of a split that here it's considered a 100% growth. As Yep. far as the projection goes there, I'm not a huge fan of projection because, obviously, things do change quite regularly. But in terms of, like, the fees, it'll obviously illustrate here on the table in page 17 that you will be saving $360 on fees alone. Obviously, the adviser fee with that higher portfolio and the projected growth, it might be charged a little bit more, but that's only if your portfolio is performing, like, higher. It's just based Yep. on, like, a year's worth of projections.","start_word":4281,"end_word":4505,"sentiment":"neutral","sentiment_score":0.09587405777639812},{"text":"So with that, you will be guaranteed to save around the $360 mark in terms of, like, your investment costs for a portfolio that has been historically a little less volatile and also been performing better there for you as well.","start_word":4506,"end_word":4546,"sentiment":"positive","sentiment_score":0.4550945460796356},{"text":"But even if it sort of performs, you know, a little bit better or roughly the same in that, you're still saving on money which compounds anyway. So it still will put you in a better off position even if the market stay a little bit more average for the next six to twelve months there for you. Yep. You can see the page over what that sort of looks like in terms of a projection, but as I said, the next five years will never replicate the last five years anyway. But No. it just kind of shows you what that change sort of looks like between the the portfolios there.","start_word":4547,"end_word":4658,"sentiment":"neutral","sentiment_score":0.10905833542346954},{"text":"Perfect.","start_word":4659,"end_word":4659,"sentiment":"positive","sentiment_score":0.5074798464775085},{"text":"And then within regards to your beneficiary nominations, they are up to date on Hub twenty four. And I do need to just quickly check your Yeah. insurances. I believe. Yeah. And Should've I think that done one's them up to for date. both. Yeah. Yeah.","start_word":4660,"end_word":4705,"sentiment":"neutral","sentiment_score":0.13488341867923737},{"text":"Perfect. So that's all up to date.","start_word":4706,"end_word":4712,"sentiment":"positive","sentiment_score":0.3791036605834961},{"text":"And then just by maintaining that, obviously, spouse is a 100% tax dependent there and assist dependent, so she'll receive those funds tax free should anything happen to you. So still get maintaining there. The main part there is just establishing a will to make sure that Yes. everything did happen, that you do have some estate planning measures in place. Now we can just pass along a bit of information from a local solicitor. Sometimes it is as easy to go to someone more local to you, but we can pass Yeah. along that information pamphlet if you wanna see some general pricing and just a little bit about wills and estates. Yep. Yeah. If you got someone you can recommend, a 100%, I'll be, yeah, keen to say that. As I said, they're just like a trusted partner. They do some stuff business wise here as far as as well. They have their own fees and services that isn't like the pamphlets we'll get you sent out just to have a look at those. And then if you can find someone cheaper or not happy days, be a no obligation to to use their service whatsoever, but they are trusted partner here that sort Okay.","start_word":4713,"end_word":4919,"sentiment":"neutral","sentiment_score":0.13947507206368562},{"text":"of we're happy to pass along the details for. Perfect. And then with that, you can establish, like, power of attorney as well, which we do recommend, whether it's your spouse or not.","start_word":4920,"end_word":4952,"sentiment":"positive","sentiment_score":0.421783447265625},{"text":"It just means that if anything happened where you're incapacitated, it just means that there is someone there that can make those financial decisions for you or medical decisions in the event that you can't make them yourself without having to petition the courts and things like that and can really sort of save some heartache and hassle and cost in the event that those things do occur. And then, obviously, you know, it's a lot of stress and sort of burden on family members when something does occur that you don't know exactly what your family's wishes would be if it comes to that point. So if you can put those into writing, it makes it a lot easier on them to take Yeah. that decision sorta out of their hands.","start_word":4953,"end_word":5084,"sentiment":"neutral","sentiment_score":0.19075576961040497},{"text":"Cool.","start_word":5085,"end_word":5085,"sentiment":"positive","sentiment_score":0.3844142556190491},{"text":"No.","start_word":5086,"end_word":5086,"sentiment":"neutral","sentiment_score":0.239114910364151},{"text":"I was keen to do that this year.","start_word":5087,"end_word":5094,"sentiment":"positive","sentiment_score":0.3692391812801361},{"text":"It's been on the on the list for a while now.","start_word":5095,"end_word":5105,"sentiment":"neutral","sentiment_score":0.3130938410758972},{"text":"Perfect.","start_word":5106,"end_word":5106,"sentiment":"positive","sentiment_score":0.5059619545936584},{"text":"As far as the recommendation, obviously, I did get through the the last estate planning bit a little bit there quite quickly. But do you have any questions in regards to that investment change or what we are recommending there, Chris? No. I'm pretty happy with it. Not a problem. Obviously, take your time and have a look through it, see if you come back with any questions or not. But as I said, quite simple, just the investment update and a little bit of estate planning side of things. As far as remuneration, it is still just gonna be the 1.65%, which is around $60,170 dollars for a twelve month fee for you being an ongoing client. And then 22% of the insurance premiums with Zurich just for maintaining that policy. That's not an additional cost that you pay. Mhmm. It's just a cost there that we get from Zurich for maintaining the policy out of the premium you pay to them. We just disclose Yeah. Okay. it because we obviously do get it, which means that total we get around $2,171 per annum there as a remuneration for the service there. Yep. As far as the advice implementation goes, if you were happy with everything and did sign a document, that obviously save it all down, initiate the trade there for you. It might take a few weeks with the managed funds to see that sort of happen. It just sort of means that, like, they do take some time to obviously sell down and pay out. And then with that, we'd change those underlying investments for you. And then as far as the estate planning side of things, it is up to you to organize with yourself and your spouse to to do with a a lawyer. Yep. Now I just see there's a text box above the signature line. Is there anything I need to fill in there? Or That would only be if you wanted to make any sort of changes to the advice, okay. whether that be you don't wanna take So on some form of the recommendation. Yep. Yeah.","start_word":5107,"end_word":5462,"sentiment":"neutral","sentiment_score":0.13958390651459104},{"text":"I'm Otherwise, pretty happy it with it.","start_word":5463,"end_word":5469,"sentiment":"positive","sentiment_score":0.4273909330368042},{"text":"Yep. Yeah. If And you were if happy I, Wait. I'm sorry. I yeah. Once the phone is do I receive, like, a a copy of it? With the audio sign, you should receive, like, a certificate of completion still. I can't remember from memory what it would be exactly like, but you do have a copy of those documents all listed there anyway that you can download. It's Okay. obviously just not a saved one, but you can save all those PDFs down and you've got all the documents there anyway. It just might not be the the safe version of that, but we'll have a copy here and we can sort of send it to you at any point, like, from your time here or even if you leave as a client. Yep. Okay. Just like That would Cool. Alright. Well, that's coming back your way. I'll just put nonapplicable on the text box because it won't let me validate it without anything in it. Not oh, okay. Not a problem. But do you have any other questions while you've got me there, Chris, in regards to any of that? Did you want me to check-in that they reach out in six months regarding sort of seeing where you're at with things? Yeah. Actually, I'll see that. Yep. I'll just track you down for a six month follow-up, and I'll get the team there to send out that lawyer information there for you. But is there anything else there that I can sort of answer or assist you with there today while you've got me?","start_word":5470,"end_word":5736,"sentiment":"neutral","sentiment_score":0.10957475266094958},{"text":"No. No.","start_word":5737,"end_word":5738,"sentiment":"negative","sentiment_score":-0.4384735524654389},{"text":"Pretty happy with with what we end up went over today. So, no, much appreciated.","start_word":5739,"end_word":5753,"sentiment":"neutral","sentiment_score":-0.1423037350177765},{"text":"Not a problem at all.","start_word":5754,"end_word":5758,"sentiment":"positive","sentiment_score":0.4458620548248291},{"text":"Any questions you do have, feel free to always just reach out, shoot us an email, or give us a a call.","start_word":5759,"end_word":5780,"sentiment":"neutral","sentiment_score":0.1959356963634491},{"text":"Not a problem. But otherwise, I'll let you get back to you your day there, Chris. Thanks, mate. Have a good day. Cheers. Thank you. Bye now.","start_word":5781,"end_word":5807,"sentiment":"positive","sentiment_score":0.527310311794281},{"text":"Bye.","start_word":5808,"end_word":5808,"sentiment":"neutral","sentiment_score":0.28611087799072266}],"average":{"sentiment":"neutral","sentiment_score":0.11168064679440497}}}}