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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay with you? Sure. Beautiful. And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please? Address. Address, please. Beautiful. Thank you so much for that. I appreciate it. I am phoning to run through your annual review. Do you still have time to do that today? Fantastic. Perfect timing. Okay. So what I'd like to start with, if that's okay with you, is just running through your personal situation and making sure that we have all the correct financial information, personal information on file. And then we'll touch on your goals and objectives and go from there. I'll send you through a review pack for us to work through as well. Alright. So I just wanted to check with you. Your email address, is that still Marcusjc3@Gmail.com? Fantastic. Now I have you here as married to Britney. Is that still correct? Yep. Beautiful. And two children? Beautiful. The last notes we had was that they were four and three years old. And how old are they now? Wow. And do you have boys, girls, both? One of each. Oh, and what's their names? Yep. Oh, beautiful. I have a pigeon pair as well, so it's nice it's nice to have one of each. Now I've got here Britney's number ending in 095. Is she still your next of kin? Yep. Fantastic. Beautiful. And I've got your occupation here as a network engineer. Is that still right? Beautiful. And you work for Concentrix? Yeah. Okay. Fantastic. And being full time still, and how many hours on average per week would you work? Yep. So it's earlier. And do you get paid for that? You get an overtime rate at all? Yep. Okay. So yep. Okay. Two to three hours per week, you said? Yep. Alright. Beautiful. It's nice to build out that time in lieu and have it as a little bit of a backup from time to time. Oh, beautiful. Wow. Oh, wow. Oh, no. It sounds like you got a pretty hectic job. It's yeah. Of course. To minimize impact, of course. That makes sense. I've got your income down at 75,000 being your base. Is that correct? No. And is that including super or that's your base? Okay. Alright. And last time, you weren't sure if you what your expenditure was per week or your savings was. Do you have any idea of what that would be now? Yeah. How much you're saving and how much your weekly expenses are? If in like, if you have that information. Not much. Yep. That's okay. That's okay. That's okay. And Brit so, basically, your what's coming in is going out. Do you would you say? Yep. Is Britney working as well? Yep. Yep. Okay. Yes. I remember. Yep. I remember all that very well. They make it very difficult for families to get ahead, don't they? Yep. A 100%. 100%. Okay. So with your employment, are you just paid the standard 12%. For super? Yep. Do you have any kind of EBA arrangement with your employer? You would know. That what you would know if you did. And I have here as your your principal places of residence is being valued at $7.50. Do you think that is still accurate? Beautiful. Yeah. Yeah. It's like that, isn't it? And what do you know what the mortgage outstanding on it is at the moment? Beautiful. And, previously, we had a car here valued at $38,000 with no debt. Is that still right? Yep. Yep. Okay. I had it at thirty eight. Do you did you say thirty? Thirty eight. Okay. Yeah. That's okay. They're a nice car. Any other cars that you have? Is it expensive? Is it? Oh, wow. Well, you you wow. Does that include the CTP insurance? Or is that yeah. Yep. Yeah. Yeah. Yeah. Well, don't move to New South Wales because I can assure you the rego is a lot more expensive. Yep. I had a I also have a credit card here previously of $5,000 outstanding. Is that accurate, or is that increase, decrease? Yep. And what's the limit? Yep. Okay. Fantastic. Lovely. Do you have any other assets and liabilities? Yeah. Yep. Do you have any savings? Do you have any savings? Nope. Yep. Children will do that too. Yeah. Yep. Cost of living. Yeah. No. That's yeah. Yeah. That's insane, isn't it? Yeah. Oh, just a bit of a hairy question. Have you ever been declared bankrupt at all? Nope. Nope. And for are you still a nonsmoker? Yep. Beautiful. And do you have private health insurance? And who's that with? A h, Jim. Fantastic. And I've got your weight here at a hundred and twenty seven kilos. Would that still be correct? Yep. Yep. Fantastic. And just with estate planning, I noted that you just said you do have a will previously. It was completed about seven years ago. Is that still reflective of your Yep. Yeah. Okay. So seven years ago, it would have been to Britney anyway? Okay. Beautiful. Alright. And you don't and it says, do you have a power of attorney? You've previously said no, but do you know do you know what a power of attorney is? Yeah. Yeah. Okay. So are you and you don't have one on goals just to go through your goals a little bit, the ones and see where you're tracking or whether they're still relevant from the last time you had your review. One of your goals that you stated was a high priority was to focus on building up your savings and paying down the mortgage as much as possible. Is that still a high goal for you? Do you yeah. Do do you have yeah. No. That's absolutely fine. Are you making additional repayments to your Mortgage? Yep. Okay. How much are you adding per week? Yeah. Extra. And does Britney add any extra? No. Yeah. No. That's fine. That's fine. Do you know what the minimum repayment on your mortgage is? $6.70. So you do an extra 60 to 80 on top of that. Yep. Beautiful. Just gives me a bit of an idea of we can run some calculations kind of thing to see how quickly the house will be paid off at that rate for you, doing those little bit of extra contributions. PNI. Yep. Do you know roughly off the top of your head how long's left on the term of the loan? Yep. Fantastic. Alright. That can help us kinda okay. Fantastic. Alright. So would it be building up your savings more or paying the mortgage off as because they're kind of two goals in one. Yep. Alright. Beautiful. And you wanna make sure you and and ideally be debt free by retirement. Yep. Beautiful. So hopefully not. Hopefully not. With retirement, do you still see that as being 67 years of age? Yep. Yep. And you'd previously said 600 a week for living expenses. I'm assuming that would be debt free. Is that $600 a week on today's doll in today's dollars? Or would you need yeah. That's alright. Yep. That's okay. Would that be for you and Britney or just for you? Would that be for you and Britney or just for you? Mhmm. Yep. Okay. The sorry. You the other note that I had here is that you wanna leave behind a legacy for your children. I guess probably to explore that. What do you mean by that? Yeah. Yep. Yep. Yep. So is it more from an estate planning perspective? Yep. Yeah. Yep. Alright. No worries. Okay. So with that, the estate planning side of things, I note that you said you have the will, and it's going to Britney, so that's absolutely fine. If you wanted to there's many different structures within an estate within a will, especially for minor children where you can set up testamentary trust so the funds are secured for them till they reach a certain age as a lump sum, or, alternatively, they can have an income if they need to. It depends on how you will set up, etcetera. So it's probably something worth looking at and reviewing, especially now that you've got young children. Because if something was to happen to both of you as well, there are things like guardianship and what happens with the money that needs to be considered. Because it's not just it's not just the house. Like, we're looking at your super balances, insurance benefits. So there usually, there is a a decent amount of money there that needs to be taken care of for the children. So I definitely recommend that you review your will. Probably also Britney also from a yep. Yep. Yep. And I'd definitely look at an enduring power of attorney. Now what that and formalizing that. So each state has their own laws in relation to it, but the general consensus of a power of attorney is that you'll you'll nominate a person or people to be able to make decisions for you if you're unable to in the for health and financial reasons. And you you might say you might pick someone for health and someone for financial, and it could be you know, if it will it'll come into effect if you're deemed as not being able to make decisions for yourself, and a doctor states that. So just because Britney is your your spouse, yeah, for an example with us is if Brit if something happened to you on Britney phoned, we'd not be able to talk to her. If your bank accounts are in your personal name and Britney is not a joint account holder, she's gonna have no way of being able to access the funds to pay for any care that's needed or medical bills, etcetera. So they're really important documents to have in place. So yeah. So what I can do for you, we do have a professional partner that we work with. We've got a brochure. Do you want me to send that through to you so you can both have a look at it? And then from there, if you decide that that's something you wanna pursue, we can get you in touch with them. I believe it's very affordable, the way that it's it's priced. So definitely something to keep in mind. And then your beneficiaries for your superannuation and your insurance, they all go to Britney anyway. So, again, it might be worth talking to a lawyer when you do go down the path of an of doing your wills. They might make a recommendation that it's directed to your estate and then distribute it to trusts for children and your wife, etcetera. So or your your spouse. Sorry. So, yeah, it that may change a little bit. But for the moment, your beneficiary is Britney. Okay. So I'm just gonna quickly send you an email. Do you have access to your emails at all? Beautiful. You're gonna get an email from me in a moment that will come up as o Odoo sign. That is gonna have a box on there where you can click sign, and it will bring up a bunch of documents. And this is our review pack. We within that we're gonna run through the details within there and all the documents, I should say, sorry, within that pack. And it's based on your current position and where we're sitting and what we're looking at in relation to your super insurance. So let me know when you've got those documents open. Beautiful. So the first document there should be a summary of your super insurance policy. So you're with net Netwealth, your balance is 113,750 six rounded up, and you've got your life, TPD, and income protection through ClearView. The insurance premiums for those are funded through your Netwealth super funds. So I I think the first question for myself is in relation to your life keeping it in income protection, are you comfortable with those levels of cover? Do we need to look at increasing them? Yep. Mortgage? Yep. Yep. They are correct. Yep. Yep. So with the if Britney were if something was to happen to you, and I'll use yesterday as an example because we know it didn't happen, With income wise being debt free, would she be able and your income now ceased, would she be okay financially? Yep. Yep. Okay. Alright. No worries at all. And I'm not sure. The other item I just wanted to check on there was with the risk protection plan. There's a policy called trauma in place or that you don't have it in place at the moment, but it covers a preset list of defined conditions that should you be diagnosed with or pays a lump sum. Typically, a trauma policy is designed to in most cases, it's not a terminal condition. It's something that you're probably medically gonna have to fight, be off work for a period of time, have some out of pocket medical expenses, and a trauma policy is designed to cover you for that. So an example common examples of conditions are several different types of cancer, heart attacks, strokes, some neurological conditions. And once you meet a a claimable definition, you get paid a lump sum tax free. So the flip side of it is is that it is funded through your personal cash flow. It is not funded through superannuation. So it is it's a gap that you have in your risk protection portfolio, but I just wanted to bring it to your attention to see if it is something you wanna investigate further and understand that it is it would be payable from your personal cash flow. Yeah. That's okay. Of of course. The next document over will be the twelve months return document performance. Sorry. I lost my train of thought there for a second. As so have you got looking at the twelve month one or the six month one? Because I'm just not sure of the order it's in. Yep. Yep. Yep. So the twelve month one is a little disappointing. You'll see right down the bottom on the first page, you'll see that the net return. So after fees and expenses is negative 1.63%. Now the reason for that and I had a look previously. You've moved out of the Bennelong. You had a chat earlier this year to get out of the Bennelong Australian Equities Fund, and that has still had an impact on your policy because on your policy on your portfolio as it was still in there for the time being. So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.66. So that's had this that's the effect of your portfolio over the last twelve months. You'll see that you're no longer in that. We've moved you out to the BetaShares Australian ETF, which is performing at a much more stable rate. So we we give you the twelve month one because that's obviously what we're talking about, the previous twelve months. But if you go to the next document, you'll see your portfolio for the last six months and how it has begun to recover post post the removal of the Ben along Australian Equities Fund. So the return for the last six months is 5.43% net of fees. So it is starting to come back. Yep. Yep. And it sits within that because you're currently invested as a high growth investor, and it's it's sitting right in between that what would expect a return of that portfolio, a high growth portfolio sitting between eight to 10% per annum growth of fees. So, you know, six months in, you're already tracking towards that. So we expect to continue to see that stabilize. And in regards to your other investment options on the six month one, you'll see that gold has had a little bit of a a dip recently in the within the last six months because it was performing very well. Even though it has it is it it has underperformed in the last six months, it's not something that would necessarily look at replacing. It is a volatile type of asset that does move up and down. So, yeah, we wouldn't typically look at replacing that as yet. It's not a a concern for us at the moment, and the rest of your portfolio is performing quite well. You've got a fair bit of exposure to the international market across several different countries and continents, and they're all, different countries and continents, and they're all performing as we as we see fit. The next docu the net any questions so far with those those that little bit of information? Information? No. Beautiful. The next document is the Vanguard index chart. Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about. So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive. Those first top sorry. Those top four on the right hand column, US shares, Australian shares, international, and listed property, they're your growth assets. So that's where we expect to see 90% of your super funds invested in Australian bonds and cash. Now the you will see the volatility and the fluctuations in the growth assets. And the reason and the in the growth assets. And the reason and, you know, there's various reasons why. You can look across the top at the the little black writing at the top that gives you significant areas of or significant events and how the market reacted to those events. But you'll also see with a high growth investor, we would say if you're if you're happy to remain invested within that profile, you need to be invested for a minimum of eight years because that allows you to write out the fluctuations. So given that you've got twenty years to access super, you do have time on your side to be able to withstand the volatility should you be comfortable with it. So that's just how it's a nice little tool to show, like, in the long term, you can it's quite profitable, but there are periods of downturns, and there does need to be an understanding and a level of comfort with that. The next document over is your MetLife oh, sorry. Your ClearView certificate of fee. It's just showing you what your current levels of cover are, what the cost is, and that it's paid through your super fund. The next document is your financial services guide. Now this is a document for you. It just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint. So it's a it's a document that is accessible on our website. If you lose it in here, it's you'll find it there. The next document, is that your net wealth advice fee consent form? Yep. Beautiful. Okay. So every twelve months, once we do the review, we check-in, perform a review sorry. Every twelve months, we check-in, perform a review, and make sure that you're happy to continue may remaining a client of Oakview Financial. Now the the amount this fit this form's very small, but in the third heading down, there's one saying you will pay the following ongoing fee from your account in your net wealth fund, and it's a $6 amount fee of a $164.33 per month. So if you wanna if you are comfortable to continue being a client with Oakview, we'd ask that you sign that. You can do that electronically through this form. And I to give you full transparency, that annual fee works out to be $1,972 a year rounded up. The the services with that is that, obviously, you'll get your planned and your review every year. But if there are any other ad hoc conversations you need or an additional review or anything like that, you're not limited by just your one review a year. You just pick up the phone, shoot through an email, and we'll be in contact and and sort out what you need. 100%. Yep. Yep. Exactly. And then the last document is your tax file number authority. So we just ask you to sign that to confirm that you approve that we hold your tax file number on record. The purpose of doing that is that we've provided it to Netwealth in the past to ensure that your super fund is not overly taxed. And for privacy reasons, we just require your signature to say you're happy for us to maintain that number for that reason. So they're the two documents that do require your signature. Do you have any questions about that? No. Oh, you're very quick. You're very quick. Thank you. The last thing I just wanted to touch base on about is your risk profile. Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed. Did you wanna complete that risk profile again, or you are you happy and comfortable maintaining that high growth risk profile? Yeah. You think? Yeah. Yep. Yeah. Of course. Of course. Alright. Fantastic. Well, I have a I will my action items here is to send you some information on the estate planning. The I will also include a little bit of information on how you're tracking to pay down your debt, just a little calculation from the Asset Money Smart website just to give you a little idea of where you're at. But at the moment, unless there's anything that you need me to look at specifically or you need any any advice on, I feel like we might be able to touch base again depending on your your request Yep. Fantastic. Alright. No worries at all. Well, Marcus, I will make sure all our details are updated. And if you have any questions or concerns or anything that comes up in the meantime before your next scheduled review, please reach out. And thank you for your time. You too. Bye. 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Marcus. This is Jennifer from Oakview Financial. How are you today? That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay with you? Sure. Beautiful. And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please? Address.\n\nAddress, please. Beautiful. Thank you so much for that. I appreciate it. I am phoning to run through your annual review.\n\nDo you still have time to do that today? Fantastic. Perfect timing. Okay. So what I'd like to start with, if that's okay with you, is just running through your personal situation and making sure that we have all the correct financial information, personal information on file.\n\nAnd then we'll touch on your goals and objectives and go from there. I'll send you through a review pack for us to work through as well. Alright. So I just wanted to check with you. Your email address, is that still Marcusjc3@Gmail.com?\n\nFantastic. Now I have you here as married to Britney. Is that still correct? Yep. Beautiful.\n\nAnd two children? Beautiful. The last notes we had was that they were four and three years old. And how old are they now? Wow.\n\nAnd do you have boys, girls, both? One of each. Oh, and what's their names? Yep. Oh, beautiful.\n\nI have a pigeon pair as well, so it's nice it's nice to have one of each. Now I've got here Britney's number ending in 095. Is she still your next of kin? Yep. Fantastic.\n\nBeautiful. And I've got your occupation here as a network engineer. Is that still right? Beautiful. And you work for Concentrix?\n\nYeah. Okay. Fantastic. And being full time still, and how many hours on average per week would you work? Yep.\n\nSo it's earlier. And do you get paid for that? You get an overtime rate at all? Yep. Okay.\n\nSo yep. Okay. Two to three hours per week, you said? Yep. Alright.\n\nBeautiful. It's nice to build out that time in lieu and have it as a little bit of a backup from time to time. Oh, beautiful. Wow. Oh, wow.\n\nOh, no. It sounds like you got a pretty hectic job. It's yeah. Of course. To minimize impact, of course.\n\nThat makes sense. I've got your income down at 75,000 being your base. Is that correct? No. And is that including super or that's your base?\n\nOkay. Alright. And last time, you weren't sure if you what your expenditure was per week or your savings was. Do you have any idea of what that would be now? Yeah.\n\nHow much you're saving and how much your weekly expenses are? If in like, if you have that information. Not much. Yep. That's okay.\n\nThat's okay. That's okay. And Brit so, basically, your what's coming in is going out. Do you would you say? Yep.\n\nIs Britney working as well? Yep. Yep. Okay. Yes.\n\nI remember. Yep. I remember all that very well. They make it very difficult for families to get ahead, don't they? Yep.\n\nA 100%. 100%. Okay. So with your employment, are you just paid the standard 12%. For super?\n\nYep. Do you have any kind of EBA arrangement with your employer? You would know. That what you would know if you did. And I have here as your your principal places of residence is being valued at $7.50.\n\nDo you think that is still accurate? Beautiful. Yeah. Yeah. It's like that, isn't it?\n\nAnd what do you know what the mortgage outstanding on it is at the moment? Beautiful. And, previously, we had a car here valued at $38,000 with no debt. Is that still right? Yep.\n\nYep. Okay. I had it at thirty eight. Do you did you say thirty? Thirty eight.\n\nOkay. Yeah. That's okay. They're a nice car. Any other cars that you have?\n\nIs it expensive? Is it? Oh, wow. Well, you you wow. Does that include the CTP insurance?\n\nOr is that yeah. Yep. Yeah. Yeah. Yeah.\n\nWell, don't move to New South Wales because I can assure you the rego is a lot more expensive. Yep. I had a I also have a credit card here previously of $5,000 outstanding. Is that accurate, or is that increase, decrease? Yep.\n\nAnd what's the limit? Yep. Okay. Fantastic. Lovely.\n\nDo you have any other assets and liabilities? Yeah. Yep. Do you have any savings? Do you have any savings?\n\nNope. Yep. Children will do that too. Yeah. Yep.\n\nCost of living. Yeah. No. That's yeah. Yeah.\n\nThat's insane, isn't it? Yeah. Oh, just a bit of a hairy question. Have you ever been declared bankrupt at all? Nope.\n\nNope. And for are you still a nonsmoker? Yep. Beautiful. And do you have private health insurance?\n\nAnd who's that with? A h, Jim. Fantastic. And I've got your weight here at a hundred and twenty seven kilos. Would that still be correct?\n\nYep. Yep. Fantastic. And just with estate planning, I noted that you just said you do have a will previously. It was completed about seven years ago.\n\nIs that still reflective of your Yep. Yeah. Okay. So seven years ago, it would have been to Britney anyway? Okay.\n\nBeautiful. Alright. And you don't and it says, do you have a power of attorney? You've previously said no, but do you know do you know what a power of attorney is? Yeah.\n\nYeah. Okay. So are you and you don't have one on goals just to go through your goals a little bit, the ones and see where you're tracking or whether they're still relevant from the last time you had your review. One of your goals that you stated was a high priority was to focus on building up your savings and paying down the mortgage as much as possible. Is that still a high goal for you?\n\nDo you yeah. Do do you have yeah. No. That's absolutely fine. Are you making additional repayments to your Mortgage?\n\nYep. Okay. How much are you adding per week? Yeah. Extra.\n\nAnd does Britney add any extra? No. Yeah. No. That's fine.\n\nThat's fine. Do you know what the minimum repayment on your mortgage is? $6.70. So you do an extra 60 to 80 on top of that. Yep.\n\nBeautiful. Just gives me a bit of an idea of we can run some calculations kind of thing to see how quickly the house will be paid off at that rate for you, doing those little bit of extra contributions. PNI. Yep. Do you know roughly off the top of your head how long's left on the term of the loan?\n\nYep. Fantastic. Alright. That can help us kinda okay. Fantastic.\n\nAlright. So would it be building up your savings more or paying the mortgage off as because they're kind of two goals in one. Yep. Alright. Beautiful.\n\nAnd you wanna make sure you and and ideally be debt free by retirement. Yep. Beautiful. So hopefully not. Hopefully not.\n\nWith retirement, do you still see that as being 67 years of age? Yep. Yep. And you'd previously said 600 a week for living expenses. I'm assuming that would be debt free.\n\nIs that $600 a week on today's doll in today's dollars? Or would you need yeah. That's alright. Yep. That's okay.\n\nWould that be for you and Britney or just for you? Would that be for you and Britney or just for you? Mhmm. Yep. Okay.\n\nThe sorry. You the other note that I had here is that you wanna leave behind a legacy for your children. I guess probably to explore that. What do you mean by that? Yeah.\n\nYep. Yep. Yep. So is it more from an estate planning perspective? Yep.\n\nYeah. Yep. Alright. No worries. Okay.\n\nSo with that, the estate planning side of things, I note that you said you have the will, and it's going to Britney, so that's absolutely fine. If you wanted to there's many different structures within an estate within a will, especially for minor children where you can set up testamentary trust so the funds are secured for them till they reach a certain age as a lump sum, or, alternatively, they can have an income if they need to. It depends on how you will set up, etcetera. So it's probably something worth looking at and reviewing, especially now that you've got young children. Because if something was to happen to both of you as well, there are things like guardianship and what happens with the money that needs to be considered.\n\nBecause it's not just it's not just the house. Like, we're looking at your super balances, insurance benefits. So there usually, there is a a decent amount of money there that needs to be taken care of for the children. So I definitely recommend that you review your will. Probably also Britney also from a yep.\n\nYep. Yep. And I'd definitely look at an enduring power of attorney. Now what that and formalizing that. So each state has their own laws in relation to it, but the general consensus of a power of attorney is that you'll you'll nominate a person or people to be able to make decisions for you if you're unable to in the for health and financial reasons.\n\nAnd you you might say you might pick someone for health and someone for financial, and it could be you know, if it will it'll come into effect if you're deemed as not being able to make decisions for yourself, and a doctor states that. So just because Britney is your your spouse, yeah, for an example with us is if Brit if something happened to you on Britney phoned, we'd not be able to talk to her. If your bank accounts are in your personal name and Britney is not a joint account holder, she's gonna have no way of being able to access the funds to pay for any care that's needed or medical bills, etcetera. So they're really important documents to have in place. So yeah.\n\nSo what I can do for you, we do have a professional partner that we work with. We've got a brochure. Do you want me to send that through to you so you can both have a look at it? And then from there, if you decide that that's something you wanna pursue, we can get you in touch with them. I believe it's very affordable, the way that it's it's priced.\n\nSo definitely something to keep in mind. And then your beneficiaries for your superannuation and your insurance, they all go to Britney anyway. So, again, it might be worth talking to a lawyer when you do go down the path of an of doing your wills. They might make a recommendation that it's directed to your estate and then distribute it to trusts for children and your wife, etcetera. So or your your spouse.\n\nSorry. So, yeah, it that may change a little bit. But for the moment, your beneficiary is Britney. Okay. So I'm just gonna quickly send you an email.\n\nDo you have access to your emails at all? Beautiful. You're gonna get an email from me in a moment that will come up as o Odoo sign. That is gonna have a box on there where you can click sign, and it will bring up a bunch of documents. And this is our review pack.\n\nWe within that we're gonna run through the details within there and all the documents, I should say, sorry, within that pack. And it's based on your current position and where we're sitting and what we're looking at in relation to your super insurance. So let me know when you've got those documents open. Beautiful. So the first document there should be a summary of your super insurance policy.\n\nSo you're with net Netwealth, your balance is 113,750 six rounded up, and you've got your life, TPD, and income protection through ClearView. The insurance premiums for those are funded through your Netwealth super funds. So I I think the first question for myself is in relation to your life keeping it in income protection, are you comfortable with those levels of cover? Do we need to look at increasing them? Yep.\n\nMortgage? Yep. Yep. They are correct. Yep.\n\nYep. So with the if Britney were if something was to happen to you, and I'll use yesterday as an example because we know it didn't happen, With income wise being debt free, would she be able and your income now ceased, would she be okay financially? Yep. Yep. Okay.\n\nAlright. No worries at all. And I'm not sure. The other item I just wanted to check on there was with the risk protection plan. There's a policy called trauma in place or that you don't have it in place at the moment, but it covers a preset list of defined conditions that should you be diagnosed with or pays a lump sum.\n\nTypically, a trauma policy is designed to in most cases, it's not a terminal condition. It's something that you're probably medically gonna have to fight, be off work for a period of time, have some out of pocket medical expenses, and a trauma policy is designed to cover you for that. So an example common examples of conditions are several different types of cancer, heart attacks, strokes, some neurological conditions. And once you meet a a claimable definition, you get paid a lump sum tax free. So the flip side of it is is that it is funded through your personal cash flow.\n\nIt is not funded through superannuation. So it is it's a gap that you have in your risk protection portfolio, but I just wanted to bring it to your attention to see if it is something you wanna investigate further and understand that it is it would be payable from your personal cash flow. Yeah. That's okay. Of of course.\n\nThe next document over will be the twelve months return document performance. Sorry. I lost my train of thought there for a second. As so have you got looking at the twelve month one or the six month one? Because I'm just not sure of the order it's in.\n\nYep. Yep. Yep. So the twelve month one is a little disappointing. You'll see right down the bottom on the first page, you'll see that the net return.\n\nSo after fees and expenses is negative 1.63%. Now the reason for that and I had a look previously. You've moved out of the Bennelong. You had a chat earlier this year to get out of the Bennelong Australian Equities Fund, and that has still had an impact on your policy because on your policy on your portfolio as it was still in there for the time being. So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.66.\n\nSo that's had this that's the effect of your portfolio over the last twelve months. You'll see that you're no longer in that. We've moved you out to the BetaShares Australian ETF, which is performing at a much more stable rate. So we we give you the twelve month one because that's obviously what we're talking about, the previous twelve months. But if you go to the next document, you'll see your portfolio for the last six months and how it has begun to recover post post the removal of the Ben along Australian Equities Fund.\n\nSo the return for the last six months is 5.43% net of fees. So it is starting to come back. Yep. Yep. And it sits within that because you're currently invested as a high growth investor, and it's it's sitting right in between that what would expect a return of that portfolio, a high growth portfolio sitting between eight to 10% per annum growth of fees.\n\nSo, you know, six months in, you're already tracking towards that. So we expect to continue to see that stabilize. And in regards to your other investment options on the six month one, you'll see that gold has had a little bit of a a dip recently in the within the last six months because it was performing very well. Even though it has it is it it has underperformed in the last six months, it's not something that would necessarily look at replacing. It is a volatile type of asset that does move up and down.\n\nSo, yeah, we wouldn't typically look at replacing that as yet. It's not a a concern for us at the moment, and the rest of your portfolio is performing quite well. You've got a fair bit of exposure to the international market across several different countries and continents, and they're all, different countries and continents, and they're all performing as we as we see fit. The next docu the net any questions so far with those those that little bit of information? Information?\n\nNo. Beautiful. The next document is the Vanguard index chart. Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about. So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive.\n\nThose first top sorry. Those top four on the right hand column, US shares, Australian shares, international, and listed property, they're your growth assets. So that's where we expect to see 90% of your super funds invested in Australian bonds and cash. Now the you will see the volatility and the fluctuations in the growth assets. And the reason and the in the growth assets.\n\nAnd the reason and, you know, there's various reasons why. You can look across the top at the the little black writing at the top that gives you significant areas of or significant events and how the market reacted to those events. But you'll also see with a high growth investor, we would say if you're if you're happy to remain invested within that profile, you need to be invested for a minimum of eight years because that allows you to write out the fluctuations. So given that you've got twenty years to access super, you do have time on your side to be able to withstand the volatility should you be comfortable with it. So that's just how it's a nice little tool to show, like, in the long term, you can it's quite profitable, but there are periods of downturns, and there does need to be an understanding and a level of comfort with that.\n\nThe next document over is your MetLife oh, sorry. Your ClearView certificate of fee. It's just showing you what your current levels of cover are, what the cost is, and that it's paid through your super fund. The next document is your financial services guide. Now this is a document for you.\n\nIt just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint. So it's a it's a document that is accessible on our website. If you lose it in here, it's you'll find it there. The next document, is that your net wealth advice fee consent form? Yep.\n\nBeautiful. Okay. So every twelve months, once we do the review, we check-in, perform a review sorry. Every twelve months, we check-in, perform a review, and make sure that you're happy to continue may remaining a client of Oakview Financial. Now the the amount this fit this form's very small, but in the third heading down, there's one saying you will pay the following ongoing fee from your account in your net wealth fund, and it's a $6 amount fee of a $164.33 per month.\n\nSo if you wanna if you are comfortable to continue being a client with Oakview, we'd ask that you sign that. You can do that electronically through this form. And I to give you full transparency, that annual fee works out to be $1,972 a year rounded up. The the services with that is that, obviously, you'll get your planned and your review every year. But if there are any other ad hoc conversations you need or an additional review or anything like that, you're not limited by just your one review a year.\n\nYou just pick up the phone, shoot through an email, and we'll be in contact and and sort out what you need. 100%. Yep. Yep. Exactly.\n\nAnd then the last document is your tax file number authority. So we just ask you to sign that to confirm that you approve that we hold your tax file number on record. The purpose of doing that is that we've provided it to Netwealth in the past to ensure that your super fund is not overly taxed. And for privacy reasons, we just require your signature to say you're happy for us to maintain that number for that reason. So they're the two documents that do require your signature.\n\nDo you have any questions about that? No. Oh, you're very quick. You're very quick. Thank you.\n\nThe last thing I just wanted to touch base on about is your risk profile. Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed. Did you wanna complete that risk profile again, or you are you happy and comfortable maintaining that high growth risk profile? Yeah. You think?\n\nYeah. Yep. Yeah. Of course. Of course.\n\nAlright. Fantastic. Well, I have a I will my action items here is to send you some information on the estate planning. The I will also include a little bit of information on how you're tracking to pay down your debt, just a little calculation from the Asset Money Smart website just to give you a little idea of where you're at. But at the moment, unless there's anything that you need me to look at specifically or you need any any advice on, I feel like we might be able to touch base again depending on your your request Yep.\n\nFantastic. Alright. No worries at all. Well, Marcus, I will make sure all our details are updated. And if you have any questions or concerns or anything that comes up in the meantime before your next scheduled review, please reach out.\n\nAnd thank you for your time. You too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Marcus.","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.11889398097991943},{"text":"This is Jennifer from Oakview Financial.","start":6.3199997,"end":9.38,"sentiment":"neutral","sentiment_score":0.1530558168888092},{"text":"How are you today?","start":9.44,"end":10.42,"sentiment":"neutral","sentiment_score":0.19480248913168907},{"text":"That's good.","start":12.639999,"end":13.62,"sentiment":"positive","sentiment_score":0.6526475846767426},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.8949995,"end":18.474998,"sentiment":"neutral","sentiment_score":0.05397481698056926}],"sentiment":"neutral","sentiment_score":0.12113645350610888,"num_words":37,"start":5.44,"end":18.474998},{"sentences":[{"text":"Is that okay with you?","start":18.535,"end":19.835,"sentiment":"neutral","sentiment_score":0.03698492981493473},{"text":"Sure.","start":21.255,"end":21.654999,"sentiment":"neutral","sentiment_score":0.13079138100147247},{"text":"Beautiful.","start":21.654999,"end":22.154999,"sentiment":"neutral","sentiment_score":0.3128212094306946},{"text":"And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please?","start":22.695,"end":29.06,"sentiment":"neutral","sentiment_score":0.05069449135603813},{"text":"Address.","start":37.68,"end":38.18,"sentiment":"neutral","sentiment_score":0.0021145602222532034}],"sentiment":"neutral","sentiment_score":0.05731495808782604,"num_words":34,"start":18.535,"end":38.18},{"sentences":[{"text":"Address, please.","start":38.239998,"end":41.875,"sentiment":"neutral","sentiment_score":0.010434275027364492},{"text":"Beautiful.","start":43.615,"end":44.115,"sentiment":"positive","sentiment_score":0.39325061440467834},{"text":"Thank you so much for that.","start":44.255,"end":45.375,"sentiment":"positive","sentiment_score":0.6374618907769521},{"text":"I appreciate it.","start":45.375,"end":46.435,"sentiment":"positive","sentiment_score":0.6329281131426493},{"text":"I am phoning to run through your annual review.","start":46.815,"end":50.595,"sentiment":"neutral","sentiment_score":0.042982136416766376}],"sentiment":"neutral","sentiment_score":0.3106911464904745,"num_words":21,"start":38.239998,"end":50.595},{"sentences":[{"text":"Do you still have time to do that today?","start":50.735,"end":56.339996,"sentiment":"neutral","sentiment_score":0.02962278626445267},{"text":"Fantastic.","start":57.199997,"end":57.699997,"sentiment":"positive","sentiment_score":0.4071735143661499},{"text":"Perfect timing.","start":57.92,"end":58.82,"sentiment":"positive","sentiment_score":0.35986872017383575},{"text":"Okay.","start":59.359997,"end":59.859997,"sentiment":"neutral","sentiment_score":0.18036994338035583},{"text":"So what I'd like to start with, if that's okay with you, is just running through your personal situation and making sure that we have all the correct financial information, personal information on file.","start":60.0,"end":71.625,"sentiment":"neutral","sentiment_score":0.0978769550428671}],"sentiment":"neutral","sentiment_score":0.10429154140280282,"num_words":47,"start":50.735,"end":71.625},{"sentences":[{"text":"And then we'll touch on your goals and objectives and go from there.","start":73.045,"end":77.284996,"sentiment":"neutral","sentiment_score":0.12647435527581435},{"text":"I'll send you through a review pack for us to work through as well.","start":77.284996,"end":80.505,"sentiment":"neutral","sentiment_score":0.10971316695213318},{"text":"Alright.","start":82.13,"end":82.63,"sentiment":"neutral","sentiment_score":0.03637190908193588},{"text":"So I just wanted to check with you.","start":82.93,"end":85.35,"sentiment":"neutral","sentiment_score":0.01636831881478429},{"text":"Your email address, is that still Marcusjc3@Gmail.com?","start":85.97,"end":92.229996,"sentiment":"neutral","sentiment_score":0.0066697001457214355}],"sentiment":"neutral","sentiment_score":0.07893389108222584,"num_words":43,"start":73.045,"end":92.229996},{"sentences":[{"text":"Fantastic.","start":93.89,"end":94.39,"sentiment":"neutral","sentiment_score":0.2608433961868286},{"text":"Now I have you here as married to Britney.","start":95.145,"end":98.205,"sentiment":"neutral","sentiment_score":0.059881495932737984},{"text":"Is that still correct?","start":98.345,"end":101.085,"sentiment":"neutral","sentiment_score":0.02923483122140169},{"text":"Yep.","start":101.225,"end":101.625,"sentiment":"neutral","sentiment_score":0.030209755524992943},{"text":"Beautiful.","start":101.625,"end":102.125,"sentiment":"neutral","sentiment_score":0.15613621473312378}],"sentiment":"neutral","sentiment_score":0.06894138467032462,"num_words":16,"start":93.89,"end":102.125},{"sentences":[{"text":"And two children?","start":102.665,"end":103.725,"sentiment":"neutral","sentiment_score":0.054213414589564},{"text":"Beautiful.","start":105.545,"end":106.045,"sentiment":"neutral","sentiment_score":0.18009057641029358},{"text":"The last notes we had was that they were four and three years old.","start":106.424995,"end":109.94,"sentiment":"neutral","sentiment_score":0.0007795956917107105},{"text":"And how old are they now?","start":110.08,"end":112.02,"sentiment":"neutral","sentiment_score":0.0031948241715629897},{"text":"Wow.","start":116.4,"end":116.72,"sentiment":"neutral","sentiment_score":0.04545505344867706}],"sentiment":"neutral","sentiment_score":0.01673076633363962,"num_words":25,"start":102.665,"end":116.72},{"sentences":[{"text":"And do you have boys, girls, both?","start":116.72,"end":119.38,"sentiment":"neutral","sentiment_score":0.014050053166491645},{"text":"One of each.","start":121.04,"end":121.875,"sentiment":"neutral","sentiment_score":0.02014489285647869},{"text":"Oh, and what's their names?","start":122.035,"end":123.495,"sentiment":"neutral","sentiment_score":0.012265885062515736},{"text":"Yep.","start":128.035,"end":128.535,"sentiment":"neutral","sentiment_score":0.03410891443490982},{"text":"Oh, beautiful.","start":131.715,"end":132.615,"sentiment":"neutral","sentiment_score":0.15873761475086212}],"sentiment":"neutral","sentiment_score":0.03176103444356057,"num_words":18,"start":116.72,"end":132.615},{"sentences":[{"text":"I have a pigeon pair as well, so it's nice it's nice to have one of each.","start":133.315,"end":138.23,"sentiment":"positive","sentiment_score":0.4750323023866205},{"text":"Now I've got here Britney's number ending in 095.","start":140.93,"end":145.51,"sentiment":"neutral","sentiment_score":0.06495822138256496},{"text":"Is she still your next of kin?","start":145.56999,"end":148.15,"sentiment":"neutral","sentiment_score":0.026085378069962774},{"text":"Yep.","start":149.97,"end":150.47,"sentiment":"neutral","sentiment_score":0.09421493858098984},{"text":"Fantastic.","start":150.925,"end":151.425,"sentiment":"positive","sentiment_score":0.6287931203842163}],"sentiment":"neutral","sentiment_score":0.2733079668134451,"num_words":35,"start":133.315,"end":151.425},{"sentences":[{"text":"Beautiful.","start":152.125,"end":152.625,"sentiment":"neutral","sentiment_score":0.3039035201072693},{"text":"And I've got your occupation here as a network engineer.","start":153.565,"end":156.205,"sentiment":"neutral","sentiment_score":0.05055106170475483},{"text":"Is that still right?","start":156.205,"end":157.425,"sentiment":"neutral","sentiment_score":0.045826074201613665},{"text":"Beautiful.","start":159.645,"end":160.145,"sentiment":"neutral","sentiment_score":0.18490058183670044},{"text":"And you work for Concentrix?","start":160.525,"end":162.225,"sentiment":"neutral","sentiment_score":0.07225238010287285}],"sentiment":"neutral","sentiment_score":0.07328004363392081,"num_words":21,"start":152.125,"end":162.225},{"sentences":[{"text":"Yeah.","start":164.925,"end":165.245,"sentiment":"neutral","sentiment_score":0.10388687252998352},{"text":"Okay.","start":165.245,"end":165.565,"sentiment":"neutral","sentiment_score":0.2135087251663208},{"text":"Fantastic.","start":165.565,"end":166.065,"sentiment":"positive","sentiment_score":0.35706567764282227},{"text":"And being full time still, and how many hours on average per week would you work?","start":167.06001,"end":175.32,"sentiment":"neutral","sentiment_score":0.061598390399012715},{"text":"Yep.","start":183.085,"end":183.405,"sentiment":"neutral","sentiment_score":0.015311847440898418}],"sentiment":"neutral","sentiment_score":0.08376736845821142,"num_words":20,"start":164.925,"end":183.405},{"sentences":[{"text":"So it's earlier.","start":183.405,"end":184.145,"sentiment":"neutral","sentiment_score":0.0021797028991083303},{"text":"And do you get paid for that?","start":188.205,"end":189.665,"sentiment":"neutral","sentiment_score":0.0021879267213600023},{"text":"You get an overtime rate at all?","start":194.17,"end":196.11,"sentiment":"neutral","sentiment_score":-0.03396617168826716},{"text":"Yep.","start":200.25,"end":200.75,"sentiment":"neutral","sentiment_score":0.0021125301718711853},{"text":"Okay.","start":203.76999,"end":204.17,"sentiment":"neutral","sentiment_score":0.00967693142592907}],"sentiment":"neutral","sentiment_score":-0.010743112867011836,"num_words":19,"start":183.405,"end":204.17},{"sentences":[{"text":"So yep.","start":204.17,"end":205.37,"sentiment":"neutral","sentiment_score":0.012686415109783411},{"text":"Okay.","start":205.37,"end":205.87,"sentiment":"neutral","sentiment_score":0.011831025592982767},{"text":"Two to three hours per week, you said?","start":206.81,"end":209.38501,"sentiment":"neutral","sentiment_score":0.009828849346376956},{"text":"Yep.","start":210.645,"end":211.045,"sentiment":"neutral","sentiment_score":0.06048974394798279},{"text":"Alright.","start":211.045,"end":211.445,"sentiment":"neutral","sentiment_score":0.15463706851005554}],"sentiment":"neutral","sentiment_score":0.02545857408012335,"num_words":13,"start":204.17,"end":211.445},{"sentences":[{"text":"Beautiful.","start":211.445,"end":211.945,"sentiment":"positive","sentiment_score":0.34445738792419434},{"text":"It's nice to build out that time in lieu and have it as a little bit of a backup from time to time.","start":213.52501,"end":218.66501,"sentiment":"neutral","sentiment_score":0.2659344588932784},{"text":"Oh, beautiful.","start":224.01001,"end":224.75,"sentiment":"neutral","sentiment_score":-0.01564962975680828},{"text":"Wow.","start":228.97,"end":229.47,"sentiment":"neutral","sentiment_score":-0.00457023736089468},{"text":"Oh, wow.","start":230.81,"end":231.55,"sentiment":"neutral","sentiment_score":-0.02579454518854618}],"sentiment":"neutral","sentiment_score":0.21977556397303424,"num_words":29,"start":211.445,"end":231.55},{"sentences":[{"text":"Oh, no.","start":232.01001,"end":232.65001,"sentiment":"neutral","sentiment_score":-0.060991138219833374},{"text":"It sounds like you got a pretty hectic job.","start":232.65001,"end":234.745,"sentiment":"neutral","sentiment_score":-0.10352079984214571},{"text":"It's yeah.","start":242.64499,"end":243.285,"sentiment":"neutral","sentiment_score":0.003753671422600746},{"text":"Of course.","start":243.285,"end":243.94499,"sentiment":"neutral","sentiment_score":0.019603303633630276},{"text":"To minimize impact, of course.","start":244.00499,"end":245.86499,"sentiment":"neutral","sentiment_score":0.026659455522894858}],"sentiment":"neutral","sentiment_score":-0.04368291236460209,"num_words":20,"start":232.01001,"end":245.86499},{"sentences":[{"text":"That makes sense.","start":246.08499,"end":247.065,"sentiment":"neutral","sentiment_score":0.07278880973656972},{"text":"I've got your income down at 75,000 being your base.","start":249.14,"end":253.38,"sentiment":"neutral","sentiment_score":0.021185467764735223},{"text":"Is that correct?","start":253.38,"end":254.20001,"sentiment":"neutral","sentiment_score":0.021071319778760273},{"text":"No.","start":256.1,"end":256.6,"sentiment":"neutral","sentiment_score":-0.10304715484380722},{"text":"And is that including super or that's your base?","start":261.38,"end":266.105,"sentiment":"neutral","sentiment_score":0.004893453714127342}],"sentiment":"neutral","sentiment_score":0.01670880749141081,"num_words":26,"start":246.08499,"end":266.105},{"sentences":[{"text":"Okay.","start":269.285,"end":269.785,"sentiment":"neutral","sentiment_score":0.03309227526187897},{"text":"Alright.","start":270.085,"end":270.585,"sentiment":"neutral","sentiment_score":0.04500786587595939},{"text":"And last time, you weren't sure if you what your expenditure was per week or your savings was.","start":271.285,"end":276.94,"sentiment":"neutral","sentiment_score":0.0022108683155642617},{"text":"Do you have any idea of what that would be now?","start":276.94,"end":279.68,"sentiment":"neutral","sentiment_score":0.030895497819239445},{"text":"Yeah.","start":283.5,"end":283.74,"sentiment":"neutral","sentiment_score":0.04779214411973953}],"sentiment":"neutral","sentiment_score":0.015798074717167765,"num_words":32,"start":269.285,"end":283.74},{"sentences":[{"text":"How much you're saving and how much your weekly expenses are?","start":283.74,"end":286.96,"sentiment":"neutral","sentiment_score":0.07218936085700989},{"text":"If in like, if you have that information.","start":287.1,"end":289.38498,"sentiment":"neutral","sentiment_score":0.02752638957463205},{"text":"Not much.","start":297.60498,"end":298.245,"sentiment":"neutral","sentiment_score":-0.238736093044281},{"text":"Yep.","start":298.245,"end":298.565,"sentiment":"neutral","sentiment_score":-0.0644480511546135},{"text":"That's okay.","start":298.565,"end":299.305,"sentiment":"neutral","sentiment_score":-0.21115043759346008}],"sentiment":"neutral","sentiment_score":0.002086373899752895,"num_words":24,"start":283.74,"end":299.305},{"sentences":[{"text":"That's okay.","start":302.565,"end":303.66,"sentiment":"neutral","sentiment_score":-0.20637714117765427},{"text":"That's okay.","start":304.12,"end":305.0,"sentiment":"neutral","sentiment_score":0.049830690026283264},{"text":"And Brit so, basically, your what's coming in is going out.","start":305.0,"end":309.16,"sentiment":"neutral","sentiment_score":0.038098634305325424},{"text":"Do you would you say?","start":309.16,"end":310.3,"sentiment":"neutral","sentiment_score":0.021202408522367478},{"text":"Yep.","start":311.88,"end":312.38,"sentiment":"neutral","sentiment_score":0.07999695837497711}],"sentiment":"neutral","sentiment_score":0.013904813144888197,"num_words":21,"start":302.565,"end":312.38},{"sentences":[{"text":"Is Britney working as well?","start":312.6,"end":314.78,"sentiment":"neutral","sentiment_score":0.01603734716773033},{"text":"Yep.","start":316.6,"end":317.1,"sentiment":"neutral","sentiment_score":0.08059000968933105},{"text":"Yep.","start":317.96,"end":318.315,"sentiment":"neutral","sentiment_score":0.07166402041912079},{"text":"Okay.","start":319.355,"end":319.855,"sentiment":"neutral","sentiment_score":0.0738716721534729},{"text":"Yes.","start":324.875,"end":325.355,"sentiment":"neutral","sentiment_score":0.018857892602682114}],"sentiment":"neutral","sentiment_score":0.0361300367448065,"num_words":9,"start":312.6,"end":325.355},{"sentences":[{"text":"I remember.","start":325.355,"end":326.255,"sentiment":"neutral","sentiment_score":-0.009361691772937775},{"text":"Yep.","start":327.035,"end":327.535,"sentiment":"neutral","sentiment_score":0.012451676651835442},{"text":"I remember all that very well.","start":327.675,"end":329.355,"sentiment":"neutral","sentiment_score":-0.014619951136410236},{"text":"They make it very difficult for families to get ahead, don't they?","start":329.355,"end":332.54,"sentiment":"neutral","sentiment_score":-0.3030217985312144},{"text":"Yep.","start":334.28,"end":334.78,"sentiment":"neutral","sentiment_score":-0.17706537246704102}],"sentiment":"neutral","sentiment_score":-0.17760538038882343,"num_words":22,"start":325.355,"end":334.78},{"sentences":[{"text":"A 100%.","start":339.0,"end":339.9,"sentiment":"neutral","sentiment_score":-0.015619395300745962},{"text":"100%.","start":340.52002,"end":341.34,"sentiment":"neutral","sentiment_score":0.004450058564543724},{"text":"Okay.","start":342.68,"end":343.08002,"sentiment":"neutral","sentiment_score":0.00974518246948719},{"text":"So with your employment, are you just paid the standard 12%.","start":343.08002,"end":349.965,"sentiment":"neutral","sentiment_score":0.01819084533913569},{"text":"For super?","start":350.265,"end":351.005,"sentiment":"neutral","sentiment_score":0.01754068024456501}],"sentiment":"neutral","sentiment_score":0.01283159468542127,"num_words":17,"start":339.0,"end":351.005},{"sentences":[{"text":"Yep.","start":352.025,"end":352.525,"sentiment":"neutral","sentiment_score":0.02521556429564953},{"text":"Do you have any kind of EBA arrangement with your employer?","start":352.58502,"end":356.125,"sentiment":"neutral","sentiment_score":-0.004435026171532544},{"text":"You would 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credit card here previously of $5,000 outstanding.","start":498.83502,"end":505.16,"sentiment":"neutral","sentiment_score":-0.0035460764608745065},{"text":"Is that accurate, or is that increase, decrease?","start":505.22,"end":508.44,"sentiment":"neutral","sentiment_score":-0.022365213721059263},{"text":"Yep.","start":511.62,"end":512.12,"sentiment":"neutral","sentiment_score":0.00973511766642332}],"sentiment":"neutral","sentiment_score":-0.16646652834403308,"num_words":43,"start":488.195,"end":512.12},{"sentences":[{"text":"And what's the 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yeah.","start":559.505,"end":567.6,"sentiment":"neutral","sentiment_score":-0.09652785584330559},{"text":"Yeah.","start":567.6,"end":568.1,"sentiment":"neutral","sentiment_score":-0.07793980836868286}],"sentiment":"neutral","sentiment_score":-0.09187576733529568,"num_words":8,"start":556.305,"end":568.1},{"sentences":[{"text":"That's insane, isn't it?","start":568.4,"end":570.02,"sentiment":"neutral","sentiment_score":-0.3214675188064575},{"text":"Yeah.","start":570.72,"end":571.22,"sentiment":"neutral","sentiment_score":-0.05788238346576691},{"text":"Oh, just a bit of a hairy question.","start":572.16,"end":575.6,"sentiment":"neutral","sentiment_score":-0.072609793394804},{"text":"Have you ever been declared bankrupt at 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correct?","start":603.515,"end":604.815,"sentiment":"neutral","sentiment_score":0.0664142332971096}],"sentiment":"neutral","sentiment_score":0.082532563390067,"num_words":26,"start":593.24,"end":604.815},{"sentences":[{"text":"Yep.","start":606.395,"end":606.895,"sentiment":"neutral","sentiment_score":0.09366880357265472},{"text":"Yep.","start":606.955,"end":607.355,"sentiment":"neutral","sentiment_score":0.13712041079998016},{"text":"Fantastic.","start":607.355,"end":607.855,"sentiment":"neutral","sentiment_score":0.30843377113342285},{"text":"And just with estate planning, I noted that you just said you do have a will previously.","start":608.715,"end":614.09503,"sentiment":"neutral","sentiment_score":0.07062724254587117},{"text":"It was completed about seven years 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not.","start":830.695,"end":841.05,"sentiment":"neutral","sentiment_score":-0.10885598013798396},{"text":"Hopefully not.","start":841.29,"end":843.02997,"sentiment":"neutral","sentiment_score":-0.1290738768875599}],"sentiment":"neutral","sentiment_score":0.16069077522981734,"num_words":21,"start":823.24,"end":843.02997},{"sentences":[{"text":"With retirement, do you still see that as being 67 years of age?","start":844.08997,"end":848.91,"sentiment":"neutral","sentiment_score":-0.06718695192382886},{"text":"Yep.","start":852.08997,"end":852.58997,"sentiment":"neutral","sentiment_score":-0.06232594698667526},{"text":"Yep.","start":855.61,"end":856.11,"sentiment":"neutral","sentiment_score":-0.04468612000346184},{"text":"And you'd previously said 600 a week for living expenses.","start":856.375,"end":860.635,"sentiment":"neutral","sentiment_score":-0.03362714946269989},{"text":"I'm assuming that would be debt free.","start":860.85504,"end":862.61505,"sentiment":"neutral","sentiment_score":-0.012736738792487554}],"sentiment":"neutral","sentiment_score":-0.043933472130447626,"num_words":32,"start":844.08997,"end":862.61505},{"sentences":[{"text":"Is that $600 a week on today's doll in today's dollars?","start":862.61505,"end":866.395,"sentiment":"neutral","sentiment_score":-0.013844316147945145},{"text":"Or would you need yeah.","start":868.455,"end":870.955,"sentiment":"neutral","sentiment_score":-0.09629183709621429},{"text":"That's alright.","start":871.54,"end":872.28,"sentiment":"neutral","sentiment_score":0.06705044396221638},{"text":"Yep.","start":873.94,"end":874.42,"sentiment":"neutral","sentiment_score":0.0575983040034771},{"text":"That's okay.","start":874.42,"end":874.9,"sentiment":"neutral","sentiment_score":0.06886909529566765}],"sentiment":"neutral","sentiment_score":-0.014490918123296328,"num_words":21,"start":862.61505,"end":874.9},{"sentences":[{"text":"Would that be for you and Britney or just for you?","start":874.9,"end":877.72003,"sentiment":"neutral","sentiment_score":0.012095545164563438},{"text":"Would that be for you and Britney or just for you?","start":878.82,"end":881.48,"sentiment":"neutral","sentiment_score":-0.00206103040413423},{"text":"Mhmm.","start":886.58,"end":886.845,"sentiment":"neutral","sentiment_score":-0.005115150474011898},{"text":"Yep.","start":888.845,"end":889.32495,"sentiment":"neutral","sentiment_score":0.00415780209004879},{"text":"Okay.","start":889.32495,"end":889.82495,"sentiment":"neutral","sentiment_score":-0.016849562525749207}],"sentiment":"neutral","sentiment_score":0.0037029100582003593,"num_words":25,"start":874.9,"end":889.82495},{"sentences":[{"text":"The sorry.","start":891.64496,"end":893.50494,"sentiment":"neutral","sentiment_score":-0.04929818958044052},{"text":"You the other note that I had here is that you wanna leave behind a legacy for your children.","start":894.925,"end":900.305,"sentiment":"neutral","sentiment_score":0.2699731431509319},{"text":"I guess probably to explore that.","start":900.89,"end":902.73,"sentiment":"neutral","sentiment_score":0.2526635055740674},{"text":"What do you mean by that?","start":902.73,"end":904.35,"sentiment":"neutral","sentiment_score":0.09181161721547444},{"text":"Yeah.","start":910.33,"end":910.81,"sentiment":"neutral","sentiment_score":0.3024809956550598}],"sentiment":"neutral","sentiment_score":0.21765367862056284,"num_words":34,"start":891.64496,"end":910.81},{"sentences":[{"text":"Yep.","start":910.81,"end":911.31,"sentiment":"neutral","sentiment_score":0.2424253672361374},{"text":"Yep.","start":920.015,"end":920.515,"sentiment":"neutral","sentiment_score":0.22314688563346863},{"text":"Yep.","start":923.455,"end":923.955,"sentiment":"neutral","sentiment_score":0.1049114465713501},{"text":"So is it more from an estate planning perspective?","start":924.09503,"end":926.58,"sentiment":"neutral","sentiment_score":0.07055195710725254},{"text":"Yep.","start":928.88,"end":929.38,"sentiment":"neutral","sentiment_score":0.1003834754228592}],"sentiment":"neutral","sentiment_score":0.10044882990992986,"num_words":13,"start":910.81,"end":929.38},{"sentences":[{"text":"Yeah.","start":937.2,"end":937.7,"sentiment":"neutral","sentiment_score":0.11232772469520567},{"text":"Yep.","start":937.76,"end":938.26,"sentiment":"neutral","sentiment_score":0.1320302039384842},{"text":"Alright.","start":938.72,"end":939.22,"sentiment":"neutral","sentiment_score":0.21272581815719604},{"text":"No worries.","start":939.6,"end":940.42,"sentiment":"neutral","sentiment_score":0.20041228085756302},{"text":"Okay.","start":943.02496,"end":943.345,"sentiment":"neutral","sentiment_score":0.24221694469451904}],"sentiment":"neutral","sentiment_score":0.18335420886675516,"num_words":6,"start":937.2,"end":943.345},{"sentences":[{"text":"So with that, the estate planning side of things, I note that you said you have the will, and it's going to Britney, so that's absolutely fine.","start":943.345,"end":952.165,"sentiment":"neutral","sentiment_score":0.2789474814026444},{"text":"If you wanted to there's many different structures within an estate within a will, especially for minor children where you can set up testamentary trust so the funds are secured for them till they reach a certain age as a lump sum, or, alternatively, they can have an income if they need to.","start":953.745,"end":970.575,"sentiment":"neutral","sentiment_score":0.12627758423112473},{"text":"It depends on how you will set up, etcetera.","start":970.735,"end":972.835,"sentiment":"neutral","sentiment_score":0.03954343332184686},{"text":"So it's probably something worth looking at and reviewing, especially now that you've got young children.","start":973.215,"end":979.155,"sentiment":"neutral","sentiment_score":0.0496518574655056},{"text":"Because if something was to happen to both of you as well, there are things like guardianship and what happens with the money that needs to be considered.","start":979.215,"end":988.73,"sentiment":"neutral","sentiment_score":-0.058880552516451905}],"sentiment":"neutral","sentiment_score":0.10320270008274487,"num_words":133,"start":943.345,"end":988.73},{"sentences":[{"text":"Because it's not just it's not just the house.","start":989.67,"end":992.23,"sentiment":"neutral","sentiment_score":-0.0038884089638789496},{"text":"Like, we're looking at your super balances, insurance benefits.","start":992.23,"end":996.89,"sentiment":"neutral","sentiment_score":0.039709256341060005},{"text":"So there usually, there is a a decent amount of money there that needs to be taken care of for the children.","start":997.02997,"end":1004.545,"sentiment":"neutral","sentiment_score":0.11761593547734348},{"text":"So I definitely recommend that you review your will.","start":1005.16504,"end":1010.465,"sentiment":"positive","sentiment_score":0.3754021856519911},{"text":"Probably also Britney also from a yep.","start":1011.085,"end":1016.98,"sentiment":"neutral","sentiment_score":0.10406084997313363}],"sentiment":"neutral","sentiment_score":0.12530328263528645,"num_words":56,"start":989.67,"end":1016.98},{"sentences":[{"text":"Yep.","start":1017.44,"end":1017.94,"sentiment":"neutral","sentiment_score":0.10043269395828248},{"text":"Yep.","start":1018.48,"end":1018.88,"sentiment":"neutral","sentiment_score":0.08893286436796188},{"text":"And I'd definitely look at an enduring power of attorney.","start":1018.88,"end":1023.12,"sentiment":"neutral","sentiment_score":0.1567021541297436},{"text":"Now what that and formalizing that.","start":1023.12,"end":1025.2,"sentiment":"neutral","sentiment_score":0.07410314492881298},{"text":"So each state has their own laws in relation to it, but the general consensus of a power of attorney is that you'll you'll nominate a person or people to be able to make decisions for you if you're unable to in the for health and financial reasons.","start":1025.2,"end":1044.3201,"sentiment":"neutral","sentiment_score":0.08357722036695729}],"sentiment":"neutral","sentiment_score":0.09413200828500769,"num_words":66,"start":1017.44,"end":1044.3201},{"sentences":[{"text":"And you you might say you might pick someone for health and someone for financial, and it could be you know, if it will it'll come into effect if you're deemed as not being able to make decisions for yourself, and a doctor states that.","start":1044.3201,"end":1059.9551,"sentiment":"neutral","sentiment_score":0.019702600232428976},{"text":"So just because Britney is your your spouse, yeah, for an example with us is if Brit if something happened to you on Britney phoned, we'd not be able to talk to her.","start":1059.9551,"end":1074.63,"sentiment":"neutral","sentiment_score":-0.06364553641866554},{"text":"If your bank accounts are in your personal name and Britney is not a joint account holder, she's gonna have no way of being able to access the funds to pay for any care that's needed or medical bills, etcetera.","start":1075.09,"end":1088.185,"sentiment":"neutral","sentiment_score":-0.14967944268137218},{"text":"So they're really important documents to have in place.","start":1088.805,"end":1091.4651,"sentiment":"neutral","sentiment_score":-0.003916977387335565},{"text":"So yeah.","start":1093.6051,"end":1095.625,"sentiment":"neutral","sentiment_score":0.02546091377735138}],"sentiment":"neutral","sentiment_score":-0.05569918114374312,"num_words":129,"start":1044.3201,"end":1095.625},{"sentences":[{"text":"So what I can do for you, we do have a professional partner that we work with.","start":1095.83,"end":1099.83,"sentiment":"neutral","sentiment_score":0.12057536139207728},{"text":"We've got a brochure.","start":1099.83,"end":1100.81,"sentiment":"neutral","sentiment_score":0.10170432180166245},{"text":"Do you want me to send that through to you so you can both have a look at it?","start":1101.67,"end":1104.89,"sentiment":"neutral","sentiment_score":0.0901558634481932},{"text":"And then from there, if you decide that that's something you wanna pursue, we can get you in touch with them.","start":1108.47,"end":1113.545,"sentiment":"neutral","sentiment_score":0.2796325527486347},{"text":"I believe it's very affordable, the way that it's it's priced.","start":1113.545,"end":1118.285,"sentiment":"positive","sentiment_score":0.5654411261731928}],"sentiment":"neutral","sentiment_score":0.22585688655575117,"num_words":72,"start":1095.83,"end":1118.285},{"sentences":[{"text":"So definitely something to keep in mind.","start":1118.3451,"end":1122.285,"sentiment":"neutral","sentiment_score":0.12204551164593015},{"text":"And then your beneficiaries for your superannuation and your insurance, they all go to Britney anyway.","start":1124.185,"end":1130.26,"sentiment":"neutral","sentiment_score":0.09761106641963124},{"text":"So, again, it might be worth talking to a lawyer when you do go down the path of an of doing your wills.","start":1130.8,"end":1140.66,"sentiment":"neutral","sentiment_score":0.10076135915258656},{"text":"They might make a recommendation that it's directed to your estate and then distribute it to trusts for children and your wife, etcetera.","start":1140.895,"end":1148.6749,"sentiment":"neutral","sentiment_score":0.12471291196087132},{"text":"So or your your spouse.","start":1148.815,"end":1150.015,"sentiment":"neutral","sentiment_score":0.025422175973653795}],"sentiment":"neutral","sentiment_score":0.10444749675288394,"num_words":74,"start":1118.3451,"end":1150.015},{"sentences":[{"text":"Sorry.","start":1150.015,"end":1150.515,"sentiment":"neutral","sentiment_score":-0.055742811411619186},{"text":"So, yeah, it that may change a little bit.","start":1150.895,"end":1155.368,"sentiment":"neutral","sentiment_score":-0.1039820048544142},{"text":"But for the moment, your beneficiary is Britney.","start":1155.368,"end":1157.8201,"sentiment":"neutral","sentiment_score":0.019460057490505278},{"text":"Okay.","start":1160.4401,"end":1160.9401,"sentiment":"neutral","sentiment_score":0.05065791308879852},{"text":"So I'm just gonna quickly send you an email.","start":1161.4,"end":1165.24,"sentiment":"neutral","sentiment_score":0.06638816661304897}],"sentiment":"neutral","sentiment_score":-0.006705320806109479,"num_words":28,"start":1150.015,"end":1165.24},{"sentences":[{"text":"Do you have access to your emails at all?","start":1165.24,"end":1167.26,"sentiment":"neutral","sentiment_score":0.04237416759133339},{"text":"Beautiful.","start":1168.76,"end":1169.26,"sentiment":"positive","sentiment_score":0.6188195943832397},{"text":"You're gonna get an email from me in a moment that will come up as o Odoo sign.","start":1169.585,"end":1175.285,"sentiment":"neutral","sentiment_score":0.2581152584817674},{"text":"That is gonna have a box on there where you can click sign, and it will bring up a bunch of documents.","start":1177.265,"end":1185.7201,"sentiment":"neutral","sentiment_score":0.14961768754503943},{"text":"And this is our review pack.","start":1185.78,"end":1187.48,"sentiment":"neutral","sentiment_score":0.10186652094125748}],"sentiment":"neutral","sentiment_score":0.1705187501252762,"num_words":56,"start":1165.24,"end":1187.48},{"sentences":[{"text":"We within that we're gonna run through the details within there and all the documents, I should say, sorry, within that pack.","start":1188.42,"end":1197.565,"sentiment":"neutral","sentiment_score":0.06354773180051283},{"text":"And it's based on your current position and where we're sitting and what we're looking at in relation to your super insurance.","start":1197.565,"end":1205.0249,"sentiment":"neutral","sentiment_score":0.07682260583070191},{"text":"So let me know when you've got those documents open.","start":1206.845,"end":1210.065,"sentiment":"neutral","sentiment_score":0.20610796213150023},{"text":"Beautiful.","start":1212.19,"end":1212.69,"sentiment":"positive","sentiment_score":0.414905846118927},{"text":"So the first document there should be a summary of your super insurance policy.","start":1212.99,"end":1216.91,"sentiment":"neutral","sentiment_score":0.16623341824327195}],"sentiment":"neutral","sentiment_score":0.11436812682212263,"num_words":69,"start":1188.42,"end":1216.91},{"sentences":[{"text":"So you're with net Netwealth, your balance is 113,750 six rounded up, and you've got your life, TPD, and income protection through ClearView.","start":1216.91,"end":1228.5651,"sentiment":"neutral","sentiment_score":0.09190760066975719},{"text":"The insurance premiums for those are funded through your Netwealth super funds.","start":1229.985,"end":1234.245,"sentiment":"neutral","sentiment_score":0.06988407236834367},{"text":"So I I think the first question for myself is in relation to your life keeping it in income protection, are you comfortable with those levels of cover?","start":1236.865,"end":1249.82,"sentiment":"neutral","sentiment_score":-0.034677934766347916},{"text":"Do we need to look at increasing them?","start":1250.12,"end":1255.905,"sentiment":"neutral","sentiment_score":-0.05911892629228532},{"text":"Yep.","start":1256.765,"end":1257.265,"sentiment":"neutral","sentiment_score":0.0221922155469656}],"sentiment":"neutral","sentiment_score":0.02126030993854834,"num_words":72,"start":1216.91,"end":1257.265},{"sentences":[{"text":"Mortgage?","start":1259.645,"end":1260.145,"sentiment":"neutral","sentiment_score":0.024647507816553116},{"text":"Yep.","start":1260.525,"end":1261.025,"sentiment":"neutral","sentiment_score":0.03889746963977814},{"text":"Yep.","start":1261.805,"end":1262.305,"sentiment":"neutral","sentiment_score":0.11799705028533936},{"text":"They are correct.","start":1268.11,"end":1269.07,"sentiment":"neutral","sentiment_score":0.1689095993836721},{"text":"Yep.","start":1269.07,"end":1269.57,"sentiment":"neutral","sentiment_score":0.07860149443149567}],"sentiment":"neutral","sentiment_score":0.10955318861774035,"num_words":7,"start":1259.645,"end":1269.57},{"sentences":[{"text":"Yep.","start":1269.87,"end":1270.35,"sentiment":"neutral","sentiment_score":0.06419578194618225},{"text":"So with the if Britney were if something was to happen to you, and I'll use yesterday as an example because we know it didn't happen, With income wise being debt free, would she be able and your income now ceased, would she be okay financially?","start":1270.35,"end":1289.615,"sentiment":"neutral","sentiment_score":0.04404411367748095},{"text":"Yep.","start":1293.835,"end":1294.315,"sentiment":"neutral","sentiment_score":0.05662856623530388},{"text":"Yep.","start":1294.315,"end":1294.715,"sentiment":"neutral","sentiment_score":0.05212195962667465},{"text":"Okay.","start":1294.715,"end":1295.215,"sentiment":"neutral","sentiment_score":0.06335990130901337}],"sentiment":"neutral","sentiment_score":0.045246708765625955,"num_words":50,"start":1269.87,"end":1295.215},{"sentences":[{"text":"Alright.","start":1295.62,"end":1295.94,"sentiment":"neutral","sentiment_score":0.07170826941728592},{"text":"No worries at all.","start":1295.94,"end":1297.1599,"sentiment":"neutral","sentiment_score":-0.03996348520740867},{"text":"And I'm not sure.","start":1298.1,"end":1299.0599,"sentiment":"neutral","sentiment_score":-0.201345045119524},{"text":"The other item I just wanted to check on there was with the risk protection plan.","start":1299.0599,"end":1305.62,"sentiment":"neutral","sentiment_score":-0.06420729344245046},{"text":"There's a policy called trauma in place or that you don't have it in place at the moment, but it covers a preset list of defined conditions that should you be diagnosed with or pays a lump sum.","start":1305.62,"end":1321.64,"sentiment":"neutral","sentiment_score":-0.04791888006423649}],"sentiment":"neutral","sentiment_score":-0.059393015704930774,"num_words":63,"start":1295.62,"end":1321.64},{"sentences":[{"text":"Typically, a trauma policy is designed to in most cases, it's not a terminal condition.","start":1323.38,"end":1331.9401,"sentiment":"neutral","sentiment_score":-0.10315884376565615},{"text":"It's something that you're probably medically gonna have to fight, be off work for a period of time, have some out of pocket medical expenses, and a trauma policy is designed to cover you for that.","start":1331.9401,"end":1345.5549,"sentiment":"neutral","sentiment_score":-0.15784974510057104},{"text":"So an example common examples of conditions are several different types of cancer, heart attacks, strokes, some neurological conditions.","start":1345.615,"end":1357.46,"sentiment":"neutral","sentiment_score":-0.03329856340822421},{"text":"And once you meet a a claimable definition, you get paid a lump sum tax free.","start":1357.7599,"end":1365.0599,"sentiment":"neutral","sentiment_score":0.04054307588376105},{"text":"So the flip side of it is is that it is funded through your personal cash flow.","start":1365.375,"end":1370.255,"sentiment":"neutral","sentiment_score":-0.007677935721243129}],"sentiment":"neutral","sentiment_score":-0.0713056493008021,"num_words":103,"start":1323.38,"end":1370.255},{"sentences":[{"text":"It is not funded through superannuation.","start":1370.255,"end":1373.155,"sentiment":"neutral","sentiment_score":-0.11596082523465157},{"text":"So it is it's a gap that you have in your risk protection portfolio, but I just wanted to bring it to your attention to see if it is something you wanna investigate further and understand that it is it would be payable from your personal cash flow.","start":1374.415,"end":1392.3899,"sentiment":"neutral","sentiment_score":-0.061739669259016715},{"text":"Yeah.","start":1398.405,"end":1398.725,"sentiment":"neutral","sentiment_score":0.1386939287185669},{"text":"That's okay.","start":1398.725,"end":1399.605,"sentiment":"neutral","sentiment_score":0.2073344588279724},{"text":"Of of course.","start":1399.605,"end":1400.665,"sentiment":"neutral","sentiment_score":0.11143375933170319}],"sentiment":"neutral","sentiment_score":-0.04619341585785151,"num_words":60,"start":1370.255,"end":1400.665},{"sentences":[{"text":"The next document over will be the twelve months return document performance.","start":1401.605,"end":1412.26,"sentiment":"neutral","sentiment_score":0.05018129556750258},{"text":"Sorry.","start":1413.36,"end":1413.6,"sentiment":"neutral","sentiment_score":-0.19517087936401367},{"text":"I lost my train of thought there for a second.","start":1413.6,"end":1417.0399,"sentiment":"negative","sentiment_score":-0.34092513620853426},{"text":"As so have you got looking at the twelve month one or the six month one?","start":1417.0399,"end":1420.0,"sentiment":"neutral","sentiment_score":-0.06493637105450034},{"text":"Because I'm just not sure of the order it's in.","start":1420.0,"end":1421.94,"sentiment":"neutral","sentiment_score":-0.15938722863793373}],"sentiment":"neutral","sentiment_score":-0.11500205954878914,"num_words":49,"start":1401.605,"end":1421.94},{"sentences":[{"text":"Yep.","start":1428.035,"end":1428.535,"sentiment":"neutral","sentiment_score":-0.011124057695269585},{"text":"Yep.","start":1428.915,"end":1429.235,"sentiment":"neutral","sentiment_score":-0.028551489114761353},{"text":"Yep.","start":1429.235,"end":1429.555,"sentiment":"neutral","sentiment_score":-0.0588640496134758},{"text":"So the twelve month one is a little disappointing.","start":1429.555,"end":1431.715,"sentiment":"negative","sentiment_score":-0.6110566788249545},{"text":"You'll see right down the bottom on the first page, you'll see that the net return.","start":1431.715,"end":1436.56,"sentiment":"neutral","sentiment_score":-0.3075396465137601}],"sentiment":"negative","sentiment_score":-0.37566728750243783,"num_words":28,"start":1428.035,"end":1436.56},{"sentences":[{"text":"So after fees and expenses is negative 1.63%.","start":1436.56,"end":1441.78,"sentiment":"negative","sentiment_score":-0.3619967885315418},{"text":"Now the reason for that and I had a look previously.","start":1442.8,"end":1447.14,"sentiment":"neutral","sentiment_score":-0.15371271967887878},{"text":"You've moved out of the Bennelong.","start":1447.3601,"end":1448.9,"sentiment":"neutral","sentiment_score":-0.07078640100856622},{"text":"You had a chat earlier this year to get out of the Bennelong Australian Equities Fund, and that has still had an impact on your policy because on your policy on your portfolio as it was still in there for the time being.","start":1448.9601,"end":1464.12,"sentiment":"neutral","sentiment_score":-0.3209491205769916},{"text":"So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.66.","start":1464.12,"end":1473.3999,"sentiment":"neutral","sentiment_score":-0.3197905695438385}],"sentiment":"neutral","sentiment_score":-0.28824848445352685,"num_words":93,"start":1436.56,"end":1473.3999},{"sentences":[{"text":"So that's had this that's the effect of your portfolio over the last twelve months.","start":1473.3999,"end":1479.215,"sentiment":"negative","sentiment_score":-0.4538820326328278},{"text":"You'll see that you're no longer in that.","start":1479.4349,"end":1481.195,"sentiment":"neutral","sentiment_score":-0.33249932900071144},{"text":"We've moved you out to the BetaShares Australian ETF, which is performing at a much more stable rate.","start":1481.195,"end":1487.615,"sentiment":"neutral","sentiment_score":0.14632277521822187},{"text":"So we we give you the twelve month one because that's obviously what we're talking about, the previous twelve months.","start":1489.42,"end":1495.1201,"sentiment":"neutral","sentiment_score":0.08446154855191708},{"text":"But if you go to the next document, you'll see your portfolio for the last six months and how it has begun to recover post post the removal of the Ben along Australian Equities Fund.","start":1495.66,"end":1506.055,"sentiment":"neutral","sentiment_score":0.06408570052257606}],"sentiment":"neutral","sentiment_score":-0.03023109039835011,"num_words":96,"start":1473.3999,"end":1506.055},{"sentences":[{"text":"So the return for the last six months is 5.43% net of fees.","start":1506.055,"end":1511.1951,"sentiment":"neutral","sentiment_score":0.21189060807228088},{"text":"So it is starting to come back.","start":1511.975,"end":1513.915,"sentiment":"neutral","sentiment_score":0.2719549834728241},{"text":"Yep.","start":1515.3,"end":1515.7001,"sentiment":"neutral","sentiment_score":0.2760927081108093},{"text":"Yep.","start":1515.7001,"end":1516.1001,"sentiment":"neutral","sentiment_score":0.32939231395721436},{"text":"And it sits within that because you're currently invested as a high growth investor, and it's it's sitting right in between that what would expect a return of that portfolio, a high growth portfolio sitting between eight to 10% per annum growth of fees.","start":1516.1001,"end":1533.0449,"sentiment":"positive","sentiment_score":0.36989819732579315}],"sentiment":"neutral","sentiment_score":0.3263525529341264,"num_words":66,"start":1506.055,"end":1533.0449},{"sentences":[{"text":"So, you know, six months in, you're already tracking towards that.","start":1533.4249,"end":1537.025,"sentiment":"neutral","sentiment_score":0.2846983467990702},{"text":"So we expect to continue to see that stabilize.","start":1537.025,"end":1545.7899,"sentiment":"positive","sentiment_score":0.4128625757164425},{"text":"And in regards to your other investment options on the six month one, you'll see that gold has had a little bit of a a dip recently in the within the last six months because it was performing very well.","start":1546.25,"end":1560.525,"sentiment":"neutral","sentiment_score":-0.02439203895628452},{"text":"Even though it has it is it it has underperformed in the last six months, it's not something that would necessarily look at replacing.","start":1561.305,"end":1569.86,"sentiment":"neutral","sentiment_score":-0.20689941259721914},{"text":"It is a volatile type of asset that does move up and down.","start":1571.36,"end":1578.02,"sentiment":"neutral","sentiment_score":-0.21508150146557733}],"sentiment":"neutral","sentiment_score":-0.01948331941648857,"num_words":97,"start":1533.4249,"end":1578.02},{"sentences":[{"text":"So, yeah, we wouldn't typically look at replacing that as yet.","start":1580.4,"end":1584.135,"sentiment":"neutral","sentiment_score":-0.23014028099450198},{"text":"It's not a a concern for us at the moment, and the rest of your portfolio is performing quite well.","start":1584.135,"end":1591.895,"sentiment":"neutral","sentiment_score":0.28752973610535265},{"text":"You've got a fair bit of exposure to the international market across several different countries and continents, and they're all, different countries and continents, and they're all performing as we as we see fit.","start":1591.895,"end":1605.38,"sentiment":"neutral","sentiment_score":0.21389196550144868},{"text":"The next docu the net any questions so far with those those that little bit of information?","start":1606.08,"end":1611.38,"sentiment":"neutral","sentiment_score":0.011344828533337396},{"text":"Information?","start":1613.165,"end":1613.5651,"sentiment":"neutral","sentiment_score":-0.054286882281303406}],"sentiment":"neutral","sentiment_score":0.12807173085544843,"num_words":83,"start":1580.4,"end":1613.5651},{"sentences":[{"text":"No.","start":1613.5651,"end":1614.0651,"sentiment":"neutral","sentiment_score":0.008021777495741844},{"text":"Beautiful.","start":1615.245,"end":1615.745,"sentiment":"positive","sentiment_score":0.34424924850463867},{"text":"The next document is the Vanguard index chart.","start":1616.2051,"end":1618.845,"sentiment":"neutral","sentiment_score":0.176552789285779},{"text":"Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about.","start":1618.845,"end":1627.12,"sentiment":"neutral","sentiment_score":0.32089992240071297},{"text":"So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive.","start":1627.58,"end":1635.52,"sentiment":"neutral","sentiment_score":0.1690958719700575}],"sentiment":"neutral","sentiment_score":0.2436518725328918,"num_words":58,"start":1613.5651,"end":1635.52},{"sentences":[{"text":"Those first top sorry.","start":1636.22,"end":1638.5249,"sentiment":"neutral","sentiment_score":0.07350916881114244},{"text":"Those top four on the right hand column, US shares, Australian shares, international, and listed property, they're your growth assets.","start":1638.5249,"end":1645.825,"sentiment":"neutral","sentiment_score":0.10848134309053421},{"text":"So that's where we expect to see 90% of your super funds invested in Australian bonds and cash.","start":1645.885,"end":1657.6,"sentiment":"neutral","sentiment_score":0.187818909684817},{"text":"Now the you will see the volatility and the fluctuations in the growth assets.","start":1659.18,"end":1661.6866,"sentiment":"neutral","sentiment_score":0.01973585837653705},{"text":"And the reason and the in the growth assets.","start":1661.6866,"end":1664.175,"sentiment":"neutral","sentiment_score":0.00660544302728441}],"sentiment":"neutral","sentiment_score":0.09507930639844675,"num_words":65,"start":1636.22,"end":1664.175},{"sentences":[{"text":"And the reason and, you know, there's various reasons why.","start":1664.7151,"end":1668.3151,"sentiment":"neutral","sentiment_score":0.002110413531772792},{"text":"You can look across the top at the the little black writing at the top that gives you significant areas of or significant events and how the market reacted to those events.","start":1668.3151,"end":1678.0951,"sentiment":"neutral","sentiment_score":0.03614360012579709},{"text":"But you'll also see with a high growth investor, we would say if you're if you're happy to remain invested within that profile, you need to be invested for a minimum of eight years because that allows you to write out the fluctuations.","start":1679.6699,"end":1694.735,"sentiment":"neutral","sentiment_score":0.12033262294392254},{"text":"So given that you've got twenty years to access super, you do have time on your side to be able to withstand the volatility should you be comfortable with it.","start":1695.435,"end":1705.935,"sentiment":"neutral","sentiment_score":0.12754738417764505},{"text":"So that's just how it's a nice little tool to show, like, in the long term, you can it's quite profitable, but there are periods of downturns, and there does need to be an understanding and a level of comfort with that.","start":1707.33,"end":1724.895,"sentiment":"neutral","sentiment_score":0.17006517024267287}],"sentiment":"neutral","sentiment_score":0.11032586497741093,"num_words":157,"start":1664.7151,"end":1724.895},{"sentences":[{"text":"The next document over is your MetLife oh, sorry.","start":1728.155,"end":1732.0751,"sentiment":"neutral","sentiment_score":0.07062767528825337},{"text":"Your ClearView certificate of fee.","start":1732.0751,"end":1733.88,"sentiment":"neutral","sentiment_score":0.09043933898210525},{"text":"It's just showing you what your current levels of cover are, what the cost is, and that it's paid through your super fund.","start":1733.88,"end":1741.02,"sentiment":"neutral","sentiment_score":0.08821532324604366},{"text":"The next document is your financial services guide.","start":1744.04,"end":1746.775,"sentiment":"neutral","sentiment_score":0.04954459052532911},{"text":"Now this is a document for you.","start":1746.995,"end":1749.475,"sentiment":"neutral","sentiment_score":0.1288882941007614}],"sentiment":"neutral","sentiment_score":0.0849110190398418,"num_words":52,"start":1728.155,"end":1749.475},{"sentences":[{"text":"It just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint.","start":1749.475,"end":1768.39,"sentiment":"neutral","sentiment_score":0.04601753270253539},{"text":"So it's a it's a document that is accessible on our website.","start":1768.69,"end":1773.635,"sentiment":"neutral","sentiment_score":0.09094326570630074},{"text":"If you lose it in here, it's you'll find it there.","start":1773.635,"end":1776.695,"sentiment":"neutral","sentiment_score":0.039304442195729775},{"text":"The next document, is that your net wealth advice fee consent form?","start":1780.2749,"end":1788.23,"sentiment":"neutral","sentiment_score":0.053949991861979164},{"text":"Yep.","start":1788.23,"end":1788.73,"sentiment":"neutral","sentiment_score":0.2788388431072235}],"sentiment":"neutral","sentiment_score":0.05546129009287272,"num_words":84,"start":1749.475,"end":1788.73},{"sentences":[{"text":"Beautiful.","start":1788.79,"end":1789.29,"sentiment":"positive","sentiment_score":0.5778908133506775},{"text":"Okay.","start":1789.75,"end":1790.25,"sentiment":"positive","sentiment_score":0.3341156840324402},{"text":"So every twelve months, once we do the review, we check-in, perform a review sorry.","start":1790.55,"end":1797.85,"sentiment":"neutral","sentiment_score":0.14135167722900707},{"text":"Every twelve months, we check-in, perform a review, and make sure that you're happy to continue may remaining a client of Oakview Financial.","start":1798.0701,"end":1805.0651,"sentiment":"neutral","sentiment_score":0.20024721194868503},{"text":"Now the the amount this fit this form's very small, but in the third heading down, there's one saying you will pay the following ongoing fee from your account in your net wealth fund, and it's a $6 amount fee of a $164.33 per month.","start":1805.845,"end":1824.26,"sentiment":"neutral","sentiment_score":0.10136722069647577}],"sentiment":"neutral","sentiment_score":0.14352344072916928,"num_words":85,"start":1788.79,"end":1824.26},{"sentences":[{"text":"So if you wanna if you are comfortable to continue being a client with Oakview, we'd ask that you sign that.","start":1824.7201,"end":1832.915,"sentiment":"neutral","sentiment_score":0.1969314320456414},{"text":"You can do that electronically through this form.","start":1833.295,"end":1835.7151,"sentiment":"neutral","sentiment_score":0.1597754880785942},{"text":"And I to give you full transparency, that annual fee works out to be $1,972 a year rounded up.","start":1835.935,"end":1844.4199,"sentiment":"neutral","sentiment_score":0.1952351378767114},{"text":"The the services with that is that, obviously, you'll get your planned and your review every year.","start":1846.24,"end":1853.895,"sentiment":"neutral","sentiment_score":0.2536747534485424},{"text":"But if there are any other ad hoc conversations you need or an additional review or anything like that, you're not limited by just your one review a year.","start":1854.135,"end":1862.215,"sentiment":"neutral","sentiment_score":0.11957698893444292}],"sentiment":"neutral","sentiment_score":0.17982377749966813,"num_words":94,"start":1824.7201,"end":1862.215},{"sentences":[{"text":"You just pick up the phone, shoot through an email, and we'll be in contact and and sort out what you need.","start":1862.215,"end":1870.6499,"sentiment":"neutral","sentiment_score":0.19847240637649188},{"text":"100%.","start":1873.4299,"end":1874.33,"sentiment":"neutral","sentiment_score":0.1744716316461563},{"text":"Yep.","start":1874.5499,"end":1874.95,"sentiment":"neutral","sentiment_score":0.18314862251281736},{"text":"Yep.","start":1874.95,"end":1875.45,"sentiment":"neutral","sentiment_score":0.18258361518383023},{"text":"Exactly.","start":1875.6699,"end":1876.1699,"sentiment":"neutral","sentiment_score":0.28546401858329773}],"sentiment":"neutral","sentiment_score":0.19969464723880476,"num_words":26,"start":1862.215,"end":1876.1699},{"sentences":[{"text":"And then the last document is your tax file number authority.","start":1876.95,"end":1881.205,"sentiment":"neutral","sentiment_score":0.1565593257546425},{"text":"So we just ask you to sign that to confirm that you approve that we hold your tax file number on record.","start":1881.205,"end":1888.345,"sentiment":"neutral","sentiment_score":0.20040708255361428},{"text":"The purpose of doing that is that we've provided it to Netwealth in the past to ensure that your super fund is not overly taxed.","start":1888.485,"end":1897.55,"sentiment":"neutral","sentiment_score":0.15722644448280335},{"text":"And for privacy reasons, we just require your signature to say you're happy for us to maintain that number for that reason.","start":1897.77,"end":1906.67,"sentiment":"neutral","sentiment_score":0.20320895754478194},{"text":"So they're the two documents that do require your signature.","start":1907.05,"end":1910.475,"sentiment":"neutral","sentiment_score":0.06317008510231972}],"sentiment":"neutral","sentiment_score":0.16848963809510073,"num_words":90,"start":1876.95,"end":1910.475},{"sentences":[{"text":"Do you have any questions about that?","start":1911.815,"end":1913.995,"sentiment":"neutral","sentiment_score":0.04974287375807762},{"text":"No.","start":1916.7749,"end":1917.2749,"sentiment":"neutral","sentiment_score":0.044022127985954285},{"text":"Oh, you're very quick.","start":1921.8949,"end":1922.9349,"sentiment":"neutral","sentiment_score":0.3145458661019802},{"text":"You're very quick.","start":1922.9349,"end":1923.9149,"sentiment":"positive","sentiment_score":0.4778962731361389},{"text":"Thank you.","start":1924.375,"end":1925.195,"sentiment":"positive","sentiment_score":0.5955549776554108}],"sentiment":"neutral","sentiment_score":0.25148261667174454,"num_words":17,"start":1911.815,"end":1925.195},{"sentences":[{"text":"The last thing I just wanted to touch base on about is your risk profile.","start":1925.46,"end":1930.6599,"sentiment":"neutral","sentiment_score":0.07022583285967508},{"text":"Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed.","start":1930.6599,"end":1950.4149,"sentiment":"neutral","sentiment_score":0.05651335456237501},{"text":"Did you wanna complete that risk profile again, or you are you happy and comfortable maintaining that high growth risk profile?","start":1951.115,"end":1959.67,"sentiment":"neutral","sentiment_score":0.09101987168902442},{"text":"Yeah.","start":1963.65,"end":1964.15,"sentiment":"neutral","sentiment_score":0.0986122116446495},{"text":"You think?","start":1964.61,"end":1965.43,"sentiment":"neutral","sentiment_score":0.037824198603630066}],"sentiment":"neutral","sentiment_score":0.06713886114514687,"num_words":88,"start":1925.46,"end":1965.43},{"sentences":[{"text":"Yeah.","start":1967.17,"end":1967.67,"sentiment":"neutral","sentiment_score":0.0481201633810997},{"text":"Yep.","start":1970.805,"end":1971.305,"sentiment":"neutral","sentiment_score":0.050782229751348495},{"text":"Yeah.","start":1971.525,"end":1971.8451,"sentiment":"neutral","sentiment_score":0.062015101313591},{"text":"Of course.","start":1971.8451,"end":1972.505,"sentiment":"neutral","sentiment_score":0.060507483780384064},{"text":"Of course.","start":1972.5651,"end":1973.305,"sentiment":"neutral","sentiment_score":0.08301201462745667}],"sentiment":"neutral","sentiment_score":0.06399378446596009,"num_words":7,"start":1967.17,"end":1973.305},{"sentences":[{"text":"Alright.","start":1973.4451,"end":1973.8451,"sentiment":"neutral","sentiment_score":0.24322013556957245},{"text":"Fantastic.","start":1973.8451,"end":1974.3451,"sentiment":"positive","sentiment_score":0.38900917768478394},{"text":"Well, I have a I will my action items here is to send you some information on the estate planning.","start":1975.125,"end":1985.72,"sentiment":"neutral","sentiment_score":0.06749932672828436},{"text":"The I will also include a little bit of information on how you're tracking to pay down your debt, just a little calculation from the Asset Money Smart website just to give you a little idea of where you're at.","start":1988.1,"end":1998.435,"sentiment":"neutral","sentiment_score":0.05050677282270044},{"text":"But at the moment, unless there's anything that you need me to look at specifically or you need any any advice on, I feel like we might be able to touch base again depending on your your request Yep.","start":1998.8151,"end":2039.3301,"sentiment":"neutral","sentiment_score":0.0978685267126331}],"sentiment":"neutral","sentiment_score":0.07741939903485894,"num_words":101,"start":1973.4451,"end":2039.3301},{"sentences":[{"text":"Fantastic.","start":2039.55,"end":2039.9501,"sentiment":"positive","sentiment_score":0.7530308961868286},{"text":"Alright.","start":2039.9501,"end":2040.43,"sentiment":"positive","sentiment_score":0.45018404722213745},{"text":"No worries at all.","start":2040.43,"end":2041.7101,"sentiment":"neutral","sentiment_score":0.15332652814686298},{"text":"Well, Marcus, I will make sure all our details are updated.","start":2041.7101,"end":2045.7301,"sentiment":"neutral","sentiment_score":0.1483308192003857},{"text":"And if you have any questions or concerns or anything that comes up in the meantime before your next scheduled review, please reach out.","start":2046.43,"end":2054.215,"sentiment":"neutral","sentiment_score":0.1016418772439162}],"sentiment":"neutral","sentiment_score":0.14359914929401585,"num_words":41,"start":2039.55,"end":2054.215},{"sentences":[{"text":"And thank you for your time.","start":2054.5208,"end":2057.5007,"sentiment":"positive","sentiment_score":0.669653077920278},{"text":"You too.","start":2060.6008,"end":2061.3408,"sentiment":"positive","sentiment_score":0.518358051776886},{"text":"Bye.","start":2062.441,"end":2062.941,"sentiment":"neutral","sentiment_score":0.1764045208692551},{"text":"Bye.","start":2063.401,"end":2063.901,"sentiment":"neutral","sentiment_score":-0.10671698302030563}],"sentiment":"positive","sentiment_score":0.5124322108924388,"num_words":10,"start":2054.5208,"end":2063.901}]}}]},{"alternatives":[{"transcript":"Marcus speaking. Doing well. Thanks, Jim. Sure. Sure. It's Marcus James Madrid, twenty eighth to the fifth nineteen eighty six. And what was it that did you say address? Yep. Yes. 31 Morecast Road, Scarsdale 3351. No worries. Yep. Yeah. Yep. We can do that now. I literally just finished up on a call. Yeah. Sure. That's right. Yep. Still. Still? Yep. Okay. Two children. One is five, and the other one will be four in October. It's yeah. I mean, one of each. That is five. My oldest, his name is Wesley, and my youngest, her name is Rosalie. Mhmm. Mhmm. Nice. Mhmm. Oh, you have mentioned yesterday. Yep. I still have it now. Yep. Yep. Yep. Well, briefly That's still it? Yep. Yes. It is. Mhmm. Yep. If if you're not including any after hours, it's it's a standard nine to five. But, usually, I I do two or three hours overtime every week. Not as much as I used to. Occasionally, if I do a weekend work, now is it they're all preferring to use toil or time and learn. Yeah. Yeah. I I I usually have about three or four days worth. I never get a chance to chance to use it. And and I and I made full days, like, you know, twenty four hours. Mhmm. Just network engineer, most of the changes you do is not in production hours. It has to be outside hours. Yep. Yep. No. No. No. $9,090.93 or 94,000 now. Yeah. Probably is, actually. It's probably including super. Yep. As in how how much I've left over. Yeah. For sure. Not off the top of my head, but savings go not much. No. I wish wish wish I wish I was, but, no, it's things are rough. Yep. Yep. Yeah. I think you get there quite a bit. Yep. Too easy. No. Four. Alright. Yep. Yeah. So she works four days a week. Yeah. She would do five, but if you do five, then you get less on re rebate for kinder, and then you might as well not work. Yeah. It it's it's a dumb really dumb system where you essentially, if you if they want you to work more, they should pay you more. Yes. Yep. No. Not really. Yeah. I I I would no. Last time it was valued, it came out nearly 800, but things have started going down. So who knows? Yeah. Yeah. I think it's 4 20 five. Mhmm. Yep. I mean, it it's probably not $30,000 worth now, but, yeah, that's that it wasn't the time. That's just my Ranger. Yep. It would it it was it was 38. It's probably about 28 now, I guess. I don't know. It's it's it's it's over 200,000 kilometers on the clock. So someone might want more for I don't know. Did I own? I wish. No. No. That's one's one's enough, and the way the rego works in Victoria at the moment is is it's it's enough. Well, it was more. They dropped it a little bit, but it's all being privatized now. So now it's what? Just show us 700 a year. It used to be up to 8 90. No. That that's just straight thick roads. And because it's a it's a u so with with with cars, they allow a quarterly payment, but utilities is straight up. You're not allowed to do quarterly. You have to pay in full. It's exactly the same time I get my taxes done. When I get my new tax, and then I get that, and it goes away, and I look at nothing. Oh, okay. Well, it's good to know. Decrease is about $2 on it left now. I think the limit is is five. I I I don't know really what's counted apart from the lawn mower and a a generator and the Jenny shed. That's pretty much it. I don't own that much. What's needed, really. I I I I did a few years ago. It's kind of a white now. Children and then just everything going up. The I think that I think that wiped everything out. Yeah. Was it someone someone did a review the other day. Currently, what we're on today is less than what we're on in 2020. So that pretty much killed it. Yeah. No. Thank god. Yeah. Yeah. I'm not gonna smoke. I do. A h m. Yeah. That's fine. I probably need to update it, but, yeah, I wouldn't really change it. Probably more just the fact that the kids in now, but otherwise, no. It's it's still fine. Yep. Yep. Yeah. No. I'm a power of attorney. I haven't really thought about it too hard, but it would probably be yeah. No. I have to think on that. No. No. I don't have documented. So I think it just falls default at the moment. Yeah. Mhmm. Yep. Yeah. I would love to retire and not have a mortgage, but who knows at the moment? Yeah. So I I we we all add extra on top, so there's there's a buffer. What's that? What's that? At the moment, it's about an extra for for me, it's about an extra $60.80 dollars. True. That's Really? No. No. She she's pretty much what she's got covers for the pay for kids at at childcare. And I pay everything else. Is it really? I think at the moment, it's up to about $6.70 a week. Yeah. Yep. And and it's principal and interest payments, so it's not not not just interest. Yeah. I think it's twenty twenty five years. Because I had I had had twenty eight years when we did the refinance, and I I didn't reset it back to thirty. So I said, no. No. Keep it as it is. Yeah. Probably paying the mortgage off is is is much more important. Yeah. Ideally. Until the government starts factoring in the houses and asset earned against getting a pension, and then, you know, well, then I'd be fucked. Must be Australia. Probably. Yeah. Unless things drastically change, that's that's about there. Yeah. Honestly, I haven't thought about it. Heart heart hopefully. I mean sorry. Go on. That would probably be for both of us. If if we didn't have a mortgage, then that would be fine. Just that they were looked after. That that that that they have there's a a fairly decent asset left behind whether they wanna live in it or sell it and and have the the proceeds go to their own homes. It's up to them. Yeah. Yeah. Yeah. Yeah. Just making sure that there is is debt free as I can get them a start in life because nothing worse than me starting behind. Yep. Yep. Yeah. Yeah. That's true. Alright. Yeah. Yep. Yeah. Yeah. I'll I'll I'll we'll go over it together. Yep. This is Hector. Yep. Yep. Right. Okay. Yeah. I'll I'll I'll get those. Yep. Yeah. That would be great. Mhmm. Yep. Okay. Yes. Sure. Okay. Yep. Sounds good. Yep. I'm gonna go somewhere then, but I thought that was that note. I'm gonna go. Mhmm. I think I'm still okay with those. I mean, the the life would cover the the house mortgage. And then I'm pretty happy with those. And I'm pretty sure they're grandfathered as well. I think she would be able to get by. Yeah. Alright. Okay. Right. Mhmm. Yeah. We'll probably leave it for the moment until things slowly improve. Yep. I think I'm looking at the the twelve. Twelve month. Anyway. No. Not not not question. Okay. Yep. Pretty much what I've been doing so far. No real change. Yep. Yep. No worries. Yep. No. No questions. I just just finished signing it then, so it should be down on your side. Okay. Yep. I think I'm happy. Yeah. Yeah. I think so. Look, I I'm just trying to make as much as I can while I'm working. So Yeah. It is. Yeah. And do you know what we came here for? Accessories that's. Yep. People have got three d printed drawers that's magnetized underneath it. I haven't got them yet, but I've been looking at them on top of that before. Sure. Or even just the I'm fine annually. I think annually is great. It's it's not since not long since I dropped my my my tax returns or chasing up on the super stuff, it it makes sense to coincide. So I thought I'd speak with that. It's probably about Thank you very much, Shannon. You have a great day. Alright. Bye 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speaking. Doing well. Thanks, Jim. Sure. Sure.\n\nIt's Marcus James Madrid, twenty eighth to the fifth nineteen eighty six. And what was it that did you say address? Yep. Yes. 31 Morecast Road, Scarsdale 3351.\n\nNo worries. Yep. Yeah. Yep. We can do that now.\n\nI literally just finished up on a call. Yeah. Sure. That's right. Yep.\n\nStill. Still? Yep. Okay. Two children.\n\nOne is five, and the other one will be four in October. It's yeah. I mean, one of each. That is five. My oldest, his name is Wesley, and my youngest, her name is Rosalie.\n\nMhmm. Mhmm. Nice. Mhmm. Oh, you have mentioned yesterday.\n\nYep. I still have it now. Yep. Yep. Yep.\n\nWell, briefly That's still it? Yep. Yes. It is. Mhmm.\n\nYep. If if you're not including any after hours, it's it's a standard nine to five. But, usually, I I do two or three hours overtime every week. Not as much as I used to. Occasionally, if I do a weekend work, now is it they're all preferring to use toil or time and learn.\n\nYeah. Yeah. I I I usually have about three or four days worth. I never get a chance to chance to use it. And and I and I made full days, like, you know, twenty four hours.\n\nMhmm. Just network engineer, most of the changes you do is not in production hours. It has to be outside hours. Yep. Yep.\n\nNo. No. No. $9,090.93 or 94,000 now. Yeah.\n\nProbably is, actually. It's probably including super. Yep. As in how how much I've left over. Yeah.\n\nFor sure. Not off the top of my head, but savings go not much. No. I wish wish wish I wish I was, but, no, it's things are rough. Yep.\n\nYep. Yeah. I think you get there quite a bit. Yep. Too easy.\n\nNo. Four. Alright. Yep. Yeah.\n\nSo she works four days a week. Yeah. She would do five, but if you do five, then you get less on re rebate for kinder, and then you might as well not work. Yeah. It it's it's a dumb really dumb system where you essentially, if you if they want you to work more, they should pay you more.\n\nYes. Yep. No. Not really. Yeah.\n\nI I I would no. Last time it was valued, it came out nearly 800, but things have started going down. So who knows? Yeah. Yeah.\n\nI think it's 4 20 five. Mhmm. Yep. I mean, it it's probably not $30,000 worth now, but, yeah, that's that it wasn't the time. That's just my Ranger.\n\nYep. It would it it was it was 38. It's probably about 28 now, I guess. I don't know. It's it's it's it's over 200,000 kilometers on the clock.\n\nSo someone might want more for I don't know. Did I own? I wish. No. No.\n\nThat's one's one's enough, and the way the rego works in Victoria at the moment is is it's it's enough. Well, it was more. They dropped it a little bit, but it's all being privatized now. So now it's what? Just show us 700 a year.\n\nIt used to be up to 8 90. No. That that's just straight thick roads. And because it's a it's a u so with with with cars, they allow a quarterly payment, but utilities is straight up. You're not allowed to do quarterly.\n\nYou have to pay in full. It's exactly the same time I get my taxes done. When I get my new tax, and then I get that, and it goes away, and I look at nothing. Oh, okay. Well, it's good to know.\n\nDecrease is about $2 on it left now. I think the limit is is five. I I I don't know really what's counted apart from the lawn mower and a a generator and the Jenny shed. That's pretty much it. I don't own that much.\n\nWhat's needed, really. I I I I did a few years ago. It's kind of a white now. Children and then just everything going up. The I think that I think that wiped everything out.\n\nYeah. Was it someone someone did a review the other day. Currently, what we're on today is less than what we're on in 2020. So that pretty much killed it. Yeah.\n\nNo. Thank god. Yeah. Yeah. I'm not gonna smoke.\n\nI do. A h m. Yeah. That's fine. I probably need to update it, but, yeah, I wouldn't really change it.\n\nProbably more just the fact that the kids in now, but otherwise, no. It's it's still fine. Yep. Yep. Yeah.\n\nNo. I'm a power of attorney. I haven't really thought about it too hard, but it would probably be yeah. No. I have to think on that.\n\nNo. No. I don't have documented. So I think it just falls default at the moment. Yeah.\n\nMhmm. Yep. Yeah. I would love to retire and not have a mortgage, but who knows at the moment? Yeah.\n\nSo I I we we all add extra on top, so there's there's a buffer. What's that? What's that? At the moment, it's about an extra for for me, it's about an extra $60.80 dollars. True.\n\nThat's Really? No. No. She she's pretty much what she's got covers for the pay for kids at at childcare. And I pay everything else.\n\nIs it really? I think at the moment, it's up to about $6.70 a week. Yeah. Yep. And and it's principal and interest payments, so it's not not not just interest.\n\nYeah. I think it's twenty twenty five years. Because I had I had had twenty eight years when we did the refinance, and I I didn't reset it back to thirty. So I said, no. No.\n\nKeep it as it is. Yeah. Probably paying the mortgage off is is is much more important. Yeah. Ideally.\n\nUntil the government starts factoring in the houses and asset earned against getting a pension, and then, you know, well, then I'd be fucked. Must be Australia. Probably. Yeah. Unless things drastically change, that's that's about there.\n\nYeah. Honestly, I haven't thought about it. Heart heart hopefully. I mean sorry. Go on.\n\nThat would probably be for both of us. If if we didn't have a mortgage, then that would be fine. Just that they were looked after. That that that that they have there's a a fairly decent asset left behind whether they wanna live in it or sell it and and have the the proceeds go to their own homes. It's up to them.\n\nYeah. Yeah. Yeah. Yeah. Just making sure that there is is debt free as I can get them a start in life because nothing worse than me starting behind.\n\nYep. Yep. Yeah. Yeah. That's true.\n\nAlright. Yeah. Yep. Yeah. Yeah.\n\nI'll I'll I'll we'll go over it together. Yep. This is Hector. Yep. Yep.\n\nRight. Okay. Yeah. I'll I'll I'll get those. Yep.\n\nYeah. That would be great. Mhmm. Yep. Okay.\n\nYes. Sure. Okay. Yep. Sounds good.\n\nYep. I'm gonna go somewhere then, but I thought that was that note. I'm gonna go. Mhmm. I think I'm still okay with those.\n\nI mean, the the life would cover the the house mortgage. And then I'm pretty happy with those. And I'm pretty sure they're grandfathered as well. I think she would be able to get by. Yeah.\n\nAlright. Okay. Right. Mhmm. Yeah.\n\nWe'll probably leave it for the moment until things slowly improve. Yep. I think I'm looking at the the twelve. Twelve month. Anyway.\n\nNo. Not not not question. Okay. Yep. Pretty much what I've been doing so far.\n\nNo real change. Yep. Yep. No worries. Yep.\n\nNo. No questions. I just just finished signing it then, so it should be down on your side. Okay. Yep.\n\nI think I'm happy. Yeah. Yeah. I think so. Look, I I'm just trying to make as much as I can while I'm working.\n\nSo Yeah. It is. Yeah. And do you know what we came here for? Accessories that's.\n\nYep. People have got three d printed drawers that's magnetized underneath it. I haven't got them yet, but I've been looking at them on top of that before. Sure. Or even just the I'm fine annually.\n\nI think annually is great. It's it's not since not long since I dropped my my my tax returns or chasing up on the super stuff, it it makes sense to coincide. So I thought I'd speak with that. It's probably about Thank you very much, Shannon. You have a great day.\n\nAlright. 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the kids in now, but otherwise, no.","start":621.83,"end":625.43,"sentiment":"neutral","sentiment_score":-0.024813699177824534},{"text":"It's it's still fine.","start":625.43,"end":626.81,"sentiment":"positive","sentiment_score":0.37546195089817047},{"text":"Yep.","start":630.07,"end":630.57,"sentiment":"neutral","sentiment_score":0.04153914377093315},{"text":"Yep.","start":630.71,"end":631.21,"sentiment":"neutral","sentiment_score":0.07293789088726044},{"text":"Yeah.","start":645.0,"end":645.39996,"sentiment":"neutral","sentiment_score":-0.031768713146448135}],"sentiment":"neutral","sentiment_score":0.06309890178963543,"num_words":20,"start":621.83,"end":645.39996},{"sentences":[{"text":"No.","start":645.39996,"end":645.6,"sentiment":"neutral","sentiment_score":-0.1300339698791504},{"text":"I'm a power of attorney.","start":645.6,"end":646.86,"sentiment":"neutral","sentiment_score":-0.11278830617666244},{"text":"I haven't really thought about it too hard, but it would probably be 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the life would cover the the house mortgage.","start":1256.39,"end":1261.21,"sentiment":"neutral","sentiment_score":0.030998752113770355},{"text":"And then I'm pretty happy with those.","start":1263.6849,"end":1265.365,"sentiment":"positive","sentiment_score":0.3678277113607952},{"text":"And I'm pretty sure they're grandfathered as well.","start":1265.365,"end":1267.625,"sentiment":"neutral","sentiment_score":0.22329179756343365},{"text":"I think she would be able to get 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probably leave it for the moment until things slowly improve.","start":1393.39,"end":1397.57,"sentiment":"neutral","sentiment_score":0.07490039176561615},{"text":"Yep.","start":1410.9349,"end":1411.4349,"sentiment":"neutral","sentiment_score":0.04662272334098816},{"text":"I think I'm looking at the the twelve.","start":1423.71,"end":1426.53,"sentiment":"neutral","sentiment_score":-0.05158238112926483},{"text":"Twelve month.","start":1427.79,"end":1428.53,"sentiment":"neutral","sentiment_score":-0.04648633673787117},{"text":"Anyway.","start":1447.7999,"end":1448.2999,"sentiment":"neutral","sentiment_score":-0.035234276205301285}],"sentiment":"neutral","sentiment_score":0.014333088436852331,"num_words":23,"start":1393.39,"end":1448.2999},{"sentences":[{"text":"No.","start":1612.485,"end":1612.805,"sentiment":"neutral","sentiment_score":-0.08192122727632523},{"text":"Not not not 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annually.","start":2003.095,"end":2026.715,"sentiment":"neutral","sentiment_score":0.05961032211780548}],"sentiment":"neutral","sentiment_score":0.034979942655708224,"num_words":36,"start":1986.52,"end":2026.715},{"sentences":[{"text":"I think annually is great.","start":2027.095,"end":2028.475,"sentiment":"positive","sentiment_score":0.7491421699523926},{"text":"It's it's not since not long since I dropped my my my tax returns or chasing up on the super stuff, it it makes sense to coincide.","start":2028.855,"end":2037.9199,"sentiment":"positive","sentiment_score":0.3480915543105867},{"text":"So I thought I'd speak with that.","start":2040.2999,"end":2042.16,"sentiment":"neutral","sentiment_score":0.17860016865389688},{"text":"It's probably about Thank you very much, Shannon.","start":2045.02,"end":2059.0708,"sentiment":"positive","sentiment_score":0.5406446838751435},{"text":"You have a great day.","start":2059.0708,"end":2060.0508,"sentiment":"positive","sentiment_score":0.8148600935935975}],"sentiment":"positive","sentiment_score":0.43834311414796573,"num_words":52,"start":2027.095,"end":2060.0508},{"sentences":[{"text":"Alright.","start":2061.8708,"end":2062.271,"sentiment":"neutral","sentiment_score":0.26109418272972107},{"text":"Bye now.","start":2062.271,"end":2063.011,"sentiment":"neutral","sentiment_score":0.164737731218338}],"sentiment":"neutral","sentiment_score":0.19685654838879904,"num_words":3,"start":2061.8708,"end":2063.011}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Marcus speaking.\n\nChannel 0: Hi, Marcus. This is Jennifer from Oakview Financial. How are you today?\n\nChannel 1: Doing well. Thanks, Jim.\n\nChannel 0: That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay with you?\n\nChannel 1: Sure.\n\nChannel 0: Sure. Beautiful. And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please?\n\nChannel 1: Sure. It's Marcus James Madrid, twenty eighth to the fifth nineteen eighty six. And what was it that did you say address?\n\nChannel 0: Address. Address,\n\nChannel 1: Yep. Yes. 31 Morecast Road, Scarsdale\n\nChannel 0: please.\n\nChannel 1: 3351.\n\nChannel 0: Beautiful. Thank you so much for that. I appreciate it.\n\nChannel 1: No\n\nChannel 0: I\n\nChannel 1: worries.\n\nChannel 0: am phoning to run through your annual review. Do you still\n\nChannel 1: Yep.\n\nChannel 0: have\n\nChannel 1: Yeah. Yep. We\n\nChannel 0: time\n\nChannel 1: can do that now.\n\nChannel 0: to\n\nChannel 1: I literally\n\nChannel 0: do\n\nChannel 1: just finished\n\nChannel 0: that\n\nChannel 1: up on a\n\nChannel 0: today?\n\nChannel 1: call.\n\nChannel 0: Fantastic. Perfect timing. Okay. So what I'd like to start with, if that's okay with you, is just running through your personal situation and making sure that we have all the correct financial information, personal information on file.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: And then we'll touch on your goals and objectives and go from there. I'll send you through a review pack for us to work through as well. Alright. So I just wanted to check with you. Your email address, is that still Marcusjc3@Gmail.com?\n\nChannel 1: That's right.\n\nChannel 0: Fantastic. Now I have you here as married to Britney. Is that\n\nChannel 1: Yep.\n\nChannel 0: still\n\nChannel 1: Still. Still?\n\nChannel 0: correct? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And two children?\n\nChannel 1: Okay. Two children.\n\nChannel 0: Beautiful. The last notes we had was that they were four and three years old. And how old are they now?\n\nChannel 1: One is five, and the other one will be four in October.\n\nChannel 0: Wow.\n\nChannel 1: It's\n\nChannel 0: And do\n\nChannel 1: yeah.\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: mean,\n\nChannel 0: boys, girls, both?\n\nChannel 1: one of each. That is five.\n\nChannel 0: One of each. Oh, and what's their names?\n\nChannel 1: My oldest, his name is Wesley, and my\n\nChannel 0: Yep.\n\nChannel 1: youngest, her name is Rosalie. Mhmm.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: I have a pigeon pair as well, so\n\nChannel 1: Nice.\n\nChannel 0: it's nice it's nice to have one of each. Now I've got here Britney's number ending in 095. Is she still your next\n\nChannel 1: Mhmm.\n\nChannel 0: of kin?\n\nChannel 1: Oh, you have mentioned yesterday.\n\nChannel 0: Yep.\n\nChannel 1: Yep. I still have it\n\nChannel 0: Fantastic.\n\nChannel 1: now. Yep. Yep. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Well, briefly\n\nChannel 0: And I've got your occupation here as a network engineer. Is that still right?\n\nChannel 1: That's still it? Yep.\n\nChannel 0: Beautiful. And you work for Concentrix?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yeah. Okay. Fantastic. And being full time still,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: and how many hours on average per week would you work?\n\nChannel 1: If if you're not including any after hours, it's it's a standard nine to five.\n\nChannel 0: Yep.\n\nChannel 1: But,\n\nChannel 0: So it's\n\nChannel 1: usually,\n\nChannel 0: earlier.\n\nChannel 1: I I do two or three hours overtime every week.\n\nChannel 0: And do you get paid for that?\n\nChannel 1: Not as much as I used to.\n\nChannel 0: You get an overtime rate at all?\n\nChannel 1: Occasionally, if I do a weekend work, now is it\n\nChannel 0: Yep.\n\nChannel 1: they're all preferring to use toil or time\n\nChannel 0: Okay.\n\nChannel 1: and learn.\n\nChannel 0: So yep. Okay. Two to three hours per week, you said?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Alright. Beautiful. It's nice to build out that time in lieu and have it as a little bit of a backup from time to time.\n\nChannel 1: Yeah. I I I usually have about three or four days worth. I\n\nChannel 0: Oh,\n\nChannel 1: never\n\nChannel 0: beautiful.\n\nChannel 1: get a chance to chance to use it. And and I and I made full days, like, you know, twenty four\n\nChannel 0: Wow.\n\nChannel 1: hours.\n\nChannel 0: Oh, wow. Oh, no.\n\nChannel 1: Mhmm.\n\nChannel 0: It sounds like you got a pretty hectic job.\n\nChannel 1: Just network engineer, most of the changes you do is not in production hours. It has to be outside hours.\n\nChannel 0: It's\n\nChannel 1: Yep.\n\nChannel 0: yeah. Of course. To minimize impact, of course. That makes sense.\n\nChannel 1: Yep.\n\nChannel 0: I've got your income down at 75,000 being your base. Is that correct?\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: No. $9,090.93 or 94,000 now.\n\nChannel 0: And is that including super or that's\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Probably\n\nChannel 0: base?\n\nChannel 1: is, actually. It's probably including super.\n\nChannel 0: Okay. Alright. And last time, you weren't sure if you what your expenditure was per week or your savings was. Do you have\n\nChannel 1: Yep.\n\nChannel 0: any idea of what that would be now?\n\nChannel 1: As in how how much I've left over.\n\nChannel 0: Yeah. How much you're saving and how much your weekly expenses are? If in like, if you have that information.\n\nChannel 1: Yeah. For sure. Not off the top of my head, but savings go not much.\n\nChannel 0: Not much. Yep. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: I wish wish wish I wish I was, but, no, it's\n\nChannel 0: That's\n\nChannel 1: things are rough.\n\nChannel 0: okay. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: And Brit\n\nChannel 1: Yep. Yeah.\n\nChannel 0: so,\n\nChannel 1: I think you\n\nChannel 0: basically,\n\nChannel 1: get there quite\n\nChannel 0: your\n\nChannel 1: a bit.\n\nChannel 0: what's coming in is going out. Do you would you say?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Too\n\nChannel 0: Is\n\nChannel 1: easy.\n\nChannel 0: Britney working\n\nChannel 1: No.\n\nChannel 0: as\n\nChannel 1: Four.\n\nChannel 0: well?\n\nChannel 1: Alright. Yep. Yeah. So she works\n\nChannel 0: Yep.\n\nChannel 1: four days a week. Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: She would do five, but if you do five, then you get less on re rebate for kinder, and\n\nChannel 0: Yes.\n\nChannel 1: then you might\n\nChannel 0: I\n\nChannel 1: as well not\n\nChannel 0: remember.\n\nChannel 1: work.\n\nChannel 0: Yep. I remember all that very\n\nChannel 1: Yeah.\n\nChannel 0: well. They\n\nChannel 1: It\n\nChannel 0: make\n\nChannel 1: it's\n\nChannel 0: it very difficult for families to get ahead, don't they?\n\nChannel 1: it's a dumb really\n\nChannel 0: Yep.\n\nChannel 1: dumb system where you essentially, if you if they want you to work more, they should pay you more.\n\nChannel 0: A 100%. 100%. Okay. So with your employment, are you just paid the standard 12%. For super?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Do you have any kind of EBA arrangement with your employer? You\n\nChannel 1: No.\n\nChannel 0: would know.\n\nChannel 1: Not\n\nChannel 0: That\n\nChannel 1: really.\n\nChannel 0: what you would\n\nChannel 1: Yeah.\n\nChannel 0: know if\n\nChannel 1: I\n\nChannel 0: you did.\n\nChannel 1: I I would no.\n\nChannel 0: And I have here as your your principal places of residence is being valued at $7.50. Do you think that is still accurate?\n\nChannel 1: Last time it was valued, it came out nearly 800, but\n\nChannel 0: Beautiful.\n\nChannel 1: things have started going down. So who knows?\n\nChannel 0: Yeah. Yeah. It's like that, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: And what do you know what the mortgage outstanding on it is at the moment?\n\nChannel 1: Yeah. I think it's 4\n\nChannel 0: Beautiful. And, previously, we had a car here valued at $38,000 with\n\nChannel 1: 20\n\nChannel 0: no debt. Is that still right?\n\nChannel 1: five. Mhmm. Yep. I mean, it it's probably not $30,000 worth now, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, that's that it wasn't the time. That's just my Ranger.\n\nChannel 0: Yep. Okay. I had it at thirty eight. Do you did you say\n\nChannel 1: Yep.\n\nChannel 0: thirty? Thirty eight.\n\nChannel 1: It would it it was it was 38. It's probably about 28 now, I guess. I don't know. It's it's it's it's over 200,000 kilometers on the clock. So\n\nChannel 0: Okay. Yeah. That's\n\nChannel 1: someone\n\nChannel 0: okay.\n\nChannel 1: might want more for I don't know.\n\nChannel 0: They're a nice car. Any other cars that you have?\n\nChannel 1: Did I own? I wish. No. No. That's one's one's enough, and the way the rego works in Victoria at the moment is is it's it's enough.\n\nChannel 0: Is it expensive? Is\n\nChannel 1: Well, it was more. They dropped it a little bit,\n\nChannel 0: it?\n\nChannel 1: but it's all being privatized now. So now it's what? Just show us 700\n\nChannel 0: Oh, wow.\n\nChannel 1: a year.\n\nChannel 0: Well,\n\nChannel 1: It used\n\nChannel 0: you\n\nChannel 1: to be up to 8\n\nChannel 0: you\n\nChannel 1: 90.\n\nChannel 0: wow. Does that include the CTP insurance? Or is that\n\nChannel 1: No. That that's just\n\nChannel 0: yeah.\n\nChannel 1: straight thick roads. And\n\nChannel 0: Yep.\n\nChannel 1: because it's a it's a u so with with with cars, they allow a quarterly payment,\n\nChannel 0: Yeah.\n\nChannel 1: but utilities is straight up. You're not allowed to do quarterly.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: You have to pay in full. It's exactly the same time I get my taxes done. When I get my new tax, and then I get that, and it goes away, and I look at nothing.\n\nChannel 0: Well, don't move to New South Wales because I can assure you the rego is a lot more expensive.\n\nChannel 1: Oh, okay. Well, it's good\n\nChannel 0: Yep.\n\nChannel 1: to know.\n\nChannel 0: I had a I also have a credit card here previously of $5,000 outstanding. Is that accurate, or is that increase, decrease?\n\nChannel 1: Decrease is about $2 on it left now.\n\nChannel 0: Yep. And what's the limit?\n\nChannel 1: I think the limit is is five.\n\nChannel 0: Yep. Okay. Fantastic. Lovely. Do you have any other assets and liabilities?\n\nChannel 1: I I I don't know really what's counted apart from the lawn mower and a a generator and the Jenny shed. That's pretty much it. I don't own that much.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: What's\n\nChannel 0: Do you have\n\nChannel 1: needed,\n\nChannel 0: any\n\nChannel 1: really.\n\nChannel 0: savings? Do you have any savings? Nope.\n\nChannel 1: I I I I did a few years ago.\n\nChannel 0: Yep.\n\nChannel 1: It's kind of a white now.\n\nChannel 0: Children will do that too.\n\nChannel 1: Children and then just everything going up. The\n\nChannel 0: Yeah. Yep.\n\nChannel 1: I think that I think\n\nChannel 0: Cost\n\nChannel 1: that\n\nChannel 0: of living.\n\nChannel 1: wiped everything out. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Was\n\nChannel 0: No.\n\nChannel 1: it\n\nChannel 0: That's\n\nChannel 1: someone someone did a review the other day. Currently, what we're on today is less than what we're on in 2020.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: That's insane,\n\nChannel 1: that pretty\n\nChannel 0: isn't\n\nChannel 1: much killed\n\nChannel 0: it?\n\nChannel 1: it. Yeah.\n\nChannel 0: Yeah. Oh, just a bit of a hairy question. Have you ever been declared bankrupt at all?\n\nChannel 1: No. Thank\n\nChannel 0: Nope. Nope. And for are you still a nonsmoker?\n\nChannel 1: god. Yeah. Yeah. I'm\n\nChannel 0: Yep.\n\nChannel 1: not gonna smoke.\n\nChannel 0: Beautiful. And do you have private health insurance?\n\nChannel 1: I do.\n\nChannel 0: And who's that with?\n\nChannel 1: A h m.\n\nChannel 0: A h, Jim. Fantastic. And I've got your weight here at a hundred and twenty seven kilos. Would that still be correct?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Yep. Fantastic. And just with estate planning, I noted that you just said you do have a will previously. It was completed about seven years ago.\n\nIs that still\n\nChannel 1: I\n\nChannel 0: reflective\n\nChannel 1: probably\n\nChannel 0: of\n\nChannel 1: need\n\nChannel 0: your\n\nChannel 1: to update it, but, yeah, I\n\nChannel 0: Yep.\n\nChannel 1: wouldn't really change it. Probably more just the fact that the kids in now, but otherwise,\n\nChannel 0: Yeah. Okay.\n\nChannel 1: no. It's it's still fine.\n\nChannel 0: So seven years ago, it would have been to Britney anyway?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay. Beautiful. Alright. And you don't and it says, do you have a power of attorney? You've previously said no, but do you know do you know what a power of attorney is?\n\nChannel 1: Yeah. No. I'm a power of attorney. I haven't really thought about it too hard, but it would probably be yeah. No.\n\nI have to think on that.\n\nChannel 0: Yeah. Yeah. Okay. So are you and you don't have one\n\nChannel 1: No. No. I don't have documented. So I think it just falls default at the moment.\n\nChannel 0: on goals just\n\nChannel 1: Yeah.\n\nChannel 0: to go through your goals a little bit, the ones and see where you're tracking or whether they're still relevant from the last time you had your review.\n\nChannel 1: Mhmm.\n\nChannel 0: One of your goals that you stated was a high priority was to focus on building up your savings and paying down the mortgage as much as possible.\n\nChannel 1: Yep.\n\nChannel 0: Is that still a high goal for you?\n\nChannel 1: Yeah.\n\nChannel 0: Do you yeah. Do\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: would\n\nChannel 0: you\n\nChannel 1: love to retire and not have a mortgage,\n\nChannel 0: have\n\nChannel 1: but who knows at the moment?\n\nChannel 0: yeah. No. That's absolutely fine. Are you making additional repayments to your\n\nChannel 1: Yeah. So I I\n\nChannel 0: Mortgage?\n\nChannel 1: we we all add extra on top, so there's there's a buffer.\n\nChannel 0: Yep. Okay. How much are you adding per\n\nChannel 1: What's that?\n\nChannel 0: week?\n\nChannel 1: What's that? At the moment, it's about an extra for for me, it's about an extra $60.80 dollars. True.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Extra.\n\nChannel 1: Really?\n\nChannel 0: And does Britney add any extra?\n\nChannel 1: No. No. She\n\nChannel 0: No.\n\nChannel 1: she's pretty much what she's got covers for the pay for kids at at childcare.\n\nChannel 0: Yeah.\n\nChannel 1: And I\n\nChannel 0: No.\n\nChannel 1: pay\n\nChannel 0: That's fine.\n\nChannel 1: everything else.\n\nChannel 0: That's\n\nChannel 1: Is\n\nChannel 0: fine. Do you know what the minimum\n\nChannel 1: it really?\n\nChannel 0: repayment on your mortgage is?\n\nChannel 1: I think at the moment, it's up to about $6.70 a week.\n\nChannel 0: $6.70. So you do an\n\nChannel 1: Yeah.\n\nChannel 0: extra 60 to 80 on top of that. Yep. Beautiful. Just gives me a bit of an idea of we can run some calculations kind of thing to see how quickly the house will be paid off at that rate for you, doing those little\n\nChannel 1: Yep.\n\nChannel 0: bit of extra contributions.\n\nChannel 1: And and it's principal and interest payments, so it's not not\n\nChannel 0: PNI.\n\nChannel 1: not just\n\nChannel 0: Yep.\n\nChannel 1: interest. Yeah.\n\nChannel 0: Do you know roughly off the top of your head how long's left on the term of the loan?\n\nChannel 1: I think it's twenty twenty five years.\n\nChannel 0: Yep. Fantastic. Alright. That\n\nChannel 1: Because\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: help\n\nChannel 1: had\n\nChannel 0: us\n\nChannel 1: I had had twenty eight years when we did the refinance, and I I didn't reset it back to thirty. So I said, no. No. Keep it as it\n\nChannel 0: kinda\n\nChannel 1: is.\n\nChannel 0: okay. Fantastic. Alright. So would it be building up your savings more or paying the mortgage off as because they're kind of two goals in one.\n\nChannel 1: Yeah. Probably paying the mortgage off is is is much more important.\n\nChannel 0: Yep. Alright. Beautiful. And you wanna make sure you and and ideally be debt free by retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Ideally. Until\n\nChannel 0: So\n\nChannel 1: the government starts factoring in the houses and asset earned against getting a pension, and then, you know, well, then I'd be fucked. Must\n\nChannel 0: hopefully\n\nChannel 1: be Australia.\n\nChannel 0: not. Hopefully not. With retirement, do you still see that as being 67 years of age?\n\nChannel 1: Probably. Yeah. Unless\n\nChannel 0: Yep.\n\nChannel 1: things drastically change, that's that's about\n\nChannel 0: Yep. And you'd previously said 600 a week\n\nChannel 1: there.\n\nChannel 0: for living expenses. I'm assuming that would be debt free. Is that $600 a week\n\nChannel 1: Yeah.\n\nChannel 0: on today's doll in today's dollars?\n\nChannel 1: Honestly,\n\nChannel 0: Or\n\nChannel 1: I haven't\n\nChannel 0: would you\n\nChannel 1: thought\n\nChannel 0: need\n\nChannel 1: about it.\n\nChannel 0: yeah. That's alright.\n\nChannel 1: Heart heart hopefully.\n\nChannel 0: Yep. That's okay. Would\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: mean\n\nChannel 0: be for you and Britney or just for you?\n\nChannel 1: sorry. Go on.\n\nChannel 0: Would that be for you and Britney or just for you?\n\nChannel 1: That would probably be for both of us. If if we didn't have a mortgage,\n\nChannel 0: Mhmm.\n\nChannel 1: then that would be fine.\n\nChannel 0: Yep. Okay. The sorry. You the other note that I had here is that you wanna leave behind a legacy for your children. I guess probably to explore that.\n\nWhat do you mean by that?\n\nChannel 1: Just that they were looked after.\n\nChannel 0: Yeah.\n\nChannel 1: That\n\nChannel 0: Yep.\n\nChannel 1: that that that they have there's a a fairly decent asset left behind whether they wanna live in it or sell it and\n\nChannel 0: Yep.\n\nChannel 1: and have the the proceeds go to their own homes. It's up to them.\n\nChannel 0: Yep. So is it more from an estate planning perspective?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Just\n\nChannel 0: Yep.\n\nChannel 1: making sure that there is is debt free as I can get them a start in life because nothing worse than me starting behind.\n\nChannel 0: Yeah. Yep. Alright. No worries. Okay.\n\nSo with that, the estate planning side of things, I note that you said you have the will, and it's going to Britney, so that's absolutely fine.\n\nChannel 1: Yep.\n\nChannel 0: If you wanted to there's many different structures within an estate within a will, especially for minor children where you can set up testamentary trust so the funds are secured for them till they reach a certain age as a lump sum, or, alternatively, they can have an income if they need to. It depends on how you will set up, etcetera. So it's probably\n\nChannel 1: Yep.\n\nChannel 0: something worth looking at\n\nChannel 1: Yeah.\n\nChannel 0: and reviewing, especially now that you've got young children. Because if something was to happen to both of you as well, there are things like guardianship and what happens with the money that needs to be considered.\n\nChannel 1: Yeah.\n\nChannel 0: Because\n\nChannel 1: That's\n\nChannel 0: it's\n\nChannel 1: true.\n\nChannel 0: not just\n\nChannel 1: Alright.\n\nChannel 0: it's not just the house. Like, we're looking at your super balances,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: insurance benefits. So there usually, there is a a decent amount of money there that needs to be taken care of for the children. So I definitely recommend that you review your will. Probably also Britney also\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: Yeah. I'll\n\nChannel 0: a\n\nChannel 1: I'll I'll\n\nChannel 0: yep.\n\nChannel 1: we'll go over it together.\n\nChannel 0: Yep. Yep. And I'd definitely look at an enduring power of attorney. Now what that and formalizing that. So each state has their own laws in relation to it, but the general consensus of a power of attorney is that you'll you'll nominate a person or people\n\nChannel 1: Yep.\n\nChannel 0: to be able to make decisions for you if you're unable to in the for health and financial reasons. And you you might say you might pick someone for health and someone for financial, and it could be you know, if it will it'll come into effect if you're deemed as not being able to make decisions for yourself, and a doctor states that. So just because Britney is your\n\nChannel 1: This is\n\nChannel 0: your\n\nChannel 1: Hector.\n\nChannel 0: spouse,\n\nChannel 1: Yep.\n\nChannel 0: yeah, for an example with us is if Brit if something happened to you on Britney phoned, we'd not be able to talk to her. If your bank accounts are in your personal name and Britney is not a joint account holder, she's\n\nChannel 1: Yep.\n\nChannel 0: gonna have no way of being able to access the funds to pay for any care that's needed or medical bills, etcetera. So they're really\n\nChannel 1: Right.\n\nChannel 0: important documents to have in place.\n\nChannel 1: Okay. Yeah. I'll I'll I'll get\n\nChannel 0: So\n\nChannel 1: those.\n\nChannel 0: yeah. So what I can do for you, we do have a professional partner that we work with. We've got a brochure. Do you want\n\nChannel 1: Yep.\n\nChannel 0: me to send that through to you so you can both have a look at it?\n\nChannel 1: Yeah. That would be great.\n\nChannel 0: And then from there, if you decide that that's something you wanna pursue, we can get you in touch with them. I believe it's very affordable, the way that it's it's priced. So\n\nChannel 1: Mhmm.\n\nChannel 0: definitely something to keep in mind. And then your beneficiaries for your superannuation and your insurance, they all go to Britney anyway.\n\nChannel 1: Yep.\n\nChannel 0: So, again, it might be worth talking to a lawyer when you do go down the path of an of doing your wills. They might make a recommendation that it's directed to your estate and then distribute it to trusts for children and your wife, etcetera. So or your your spouse. Sorry. So, yeah, it that may change a little bit.\n\nBut for the moment, your beneficiary is Britney.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Okay. So I'm just gonna quickly send you an email. Do you have access to your emails at all? Beautiful. You're gonna get an email from me in a moment that will come up as o Odoo sign.\n\nChannel 1: Sure.\n\nChannel 0: That is gonna have a box on there where you can click sign, and it will bring up a bunch of documents. And this is our review pack.\n\nChannel 1: Okay.\n\nChannel 0: We within that we're gonna run through the details within there\n\nChannel 1: Yep.\n\nChannel 0: and all the documents, I should say, sorry, within that pack. And it's based on your current position and where we're sitting and what we're looking at in relation to your super insurance. So\n\nChannel 1: Sounds good.\n\nChannel 0: let me know when you've got those documents open. Beautiful. So the first document there should be a summary of your super insurance policy. So you're with net Netwealth, your balance is 113,750\n\nChannel 1: Yep.\n\nChannel 0: six rounded up, and you've got your life, TPD, and income protection through ClearView. The insurance premiums for those are funded through your Netwealth super funds.\n\nChannel 1: I'm gonna go somewhere\n\nChannel 0: So I\n\nChannel 1: then, but I thought that was\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: think the\n\nChannel 1: note.\n\nChannel 0: first\n\nChannel 1: I'm\n\nChannel 0: question for myself is in relation to your\n\nChannel 1: gonna\n\nChannel 0: life\n\nChannel 1: go.\n\nChannel 0: keeping it in income protection,\n\nChannel 1: Mhmm.\n\nChannel 0: are you comfortable with those levels of cover? Do we need to look at increasing\n\nChannel 1: I think I'm still okay\n\nChannel 0: them?\n\nChannel 1: with those. I mean,\n\nChannel 0: Yep.\n\nChannel 1: the the life would cover the the house\n\nChannel 0: Mortgage? Yep.\n\nChannel 1: mortgage.\n\nChannel 0: Yep.\n\nChannel 1: And then I'm pretty happy with those. And I'm pretty sure they're grandfathered as well.\n\nChannel 0: They are correct. Yep. Yep. So with the if Britney were if something was to happen to you, and I'll use yesterday as an example because we know it didn't happen, With income wise being debt free, would she be able and your income now ceased, would she be okay financially?\n\nChannel 1: I think she would be able to get by. Yeah.\n\nChannel 0: Yep. Yep. Okay. Alright. No\n\nChannel 1: Alright.\n\nChannel 0: worries at all. And I'm not sure. The other item I just wanted to check on there was with the risk protection plan. There's a policy called trauma in place or that you don't have it in place at the moment, but it covers a preset list of defined conditions that should you be diagnosed with or pays a lump sum. Typically, a trauma policy is designed to in most cases, it's not a terminal condition.\n\nIt's something that you're probably medically gonna have to fight, be off work for a period of time, have some out of pocket medical expenses, and a trauma policy is designed to cover you for that. So an example common examples of conditions are several different types of cancer, heart attacks, strokes, some neurological conditions. And once you meet a a claimable definition, you get paid a lump sum tax free. So\n\nChannel 1: Okay.\n\nChannel 0: the flip side of it is is that it is funded through your personal cash flow. It is not funded through superannuation. So\n\nChannel 1: Right.\n\nChannel 0: it is it's a gap that you have in your risk protection portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: but I just wanted to bring it to your attention to see if it is something you wanna investigate further and understand that it is it would be payable from your personal cash flow.\n\nChannel 1: Yeah. We'll probably leave it for the moment until things slowly improve.\n\nChannel 0: Yeah. That's okay. Of of course. The next document over will be the twelve months return document\n\nChannel 1: Yep.\n\nChannel 0: performance. Sorry. I lost my train of thought there for a second. As so have you got looking at the twelve month one or the six month one? Because I'm just not sure of the order it's in.\n\nChannel 1: I think I'm looking at the the twelve. Twelve month.\n\nChannel 0: Yep. Yep. Yep. So the twelve month one is a little disappointing. You'll see right down the bottom on the first page, you'll see that the net return.\n\nSo after fees and expenses is negative 1.63%. Now the reason for that and I had a look previously. You've moved\n\nChannel 1: Anyway.\n\nChannel 0: out of the Bennelong. You had a chat earlier this year to get out of the Bennelong Australian Equities Fund, and that has still had an impact on your policy because on your policy on your portfolio as it was still in there for the time being. So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.66. So that's had this that's the effect of your portfolio over the last twelve months. You'll see that you're no longer in that.\n\nWe've moved you out to the BetaShares Australian ETF, which is performing at a much more stable rate. So we we give you the twelve month one because that's obviously what we're talking about, the previous twelve months. But if you go to the next document, you'll see your portfolio for the last six months and how it has begun to recover post post the removal of the Ben along Australian Equities Fund. So the return for the last six months is 5.43% net of fees. So it is starting to come back.\n\nYep. Yep. And it sits within that because you're currently invested as a high growth investor, and it's it's sitting right in between that what would expect a return of that portfolio, a high growth portfolio sitting between eight to 10% per annum growth of fees. So, you know, six months in, you're already tracking towards that. So we expect to continue to see that stabilize.\n\nAnd in regards to your other investment options on the six month one, you'll see that gold has had a little bit of a a dip recently in the within the last six months because it was performing very well. Even though it has it is it it has underperformed in the last six months, it's not something that would necessarily look at replacing. It is a volatile type of asset that does move up and down. So, yeah, we wouldn't typically look at replacing that as yet. It's not a a concern for us at the moment, and the rest of your portfolio is performing quite well.\n\nYou've got a fair bit of exposure to the international market across several different countries and continents, and they're all, different countries and continents, and they're all performing as we as we see fit. The next docu the net any questions so far with those those that little bit of information?\n\nChannel 1: No. Not not\n\nChannel 0: Information?\n\nChannel 1: not question.\n\nChannel 0: No. Beautiful. The next document is the Vanguard index chart. Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about. So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive.\n\nThose first top sorry. Those top four on the right hand column, US shares, Australian shares, international, and listed property, they're your growth assets. So that's where we expect to see 90% of your super funds invested in Australian bonds and cash. Now the you will see the volatility and the fluctuations in the growth assets. And the reason and the in the growth assets.\n\nAnd the reason and, you know, there's various reasons why. You can look across the top at the the little black writing at the top that gives you significant areas of or significant events and how the market reacted to those events. But you'll also see with a high growth investor, we would say if you're if you're happy to remain invested within that profile, you need to be invested for a minimum of eight years because that allows you to write out the fluctuations. So given that you've got twenty years to access super, you do have time on your side to be able to withstand the volatility should you be comfortable with it. So\n\nChannel 1: Okay.\n\nChannel 0: that's just how it's a nice little tool to show, like, in the long term, you can it's quite profitable, but there are periods of downturns, and there does need to be an understanding and a level of comfort with that. The next document over is your MetLife oh, sorry. Your ClearView certificate of fee. It's just showing you what your current levels of cover are, what the cost is, and that it's paid through your super fund. The next document is your financial services guide.\n\nNow this is a document for you. It just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint. So it's a it's a document that is accessible on our website. If you lose it in here, it's you'll find it there. The next document, is that your net wealth advice fee consent form?\n\nYep. Beautiful. Okay. So every twelve months, once we do the review, we check-in, perform a review sorry. Every twelve months, we check-in, perform a review, and make sure that you're happy to continue may remaining a client of Oakview Financial.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: the the amount this fit this form's very small, but in the third heading down, there's one saying you will pay the following ongoing fee from your account in your net wealth fund, and it's a $6 amount fee of a $164.33 per month. So if you wanna if you are comfortable to continue being a client with Oakview, we'd ask that you sign that. You can do that electronically through this form. And I to give you full transparency, that annual fee works out to be $1,972 a year rounded up. The the services with that is that, obviously, you'll get your planned and your review every year.\n\nBut if there are any other ad hoc conversations you need or an additional review or anything like that, you're not limited by just your one review a year. You just pick up the phone, shoot through an email, and we'll be in contact and and sort out what you need.\n\nChannel 1: Pretty much what I've been doing so far. No real change.\n\nChannel 0: 100%. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Exactly. And then the last document is your tax file number authority. So we just ask you to sign that to confirm that you approve that we hold your tax file number on record. The purpose of doing that is that we've provided it to Netwealth in the past to ensure that your super fund is not overly taxed.\n\nAnd for privacy reasons, we just require your signature to say you're happy for us to maintain that number for that\n\nChannel 1: Yep.\n\nChannel 0: reason. So they're the two documents that do require your signature.\n\nChannel 1: No worries.\n\nChannel 0: Do you have any questions about that?\n\nChannel 1: Yep. No. No questions.\n\nChannel 0: No.\n\nChannel 1: I just just finished signing it then, so it should be down on your side.\n\nChannel 0: Oh, you're very quick. You're very quick. Thank you. The last\n\nChannel 1: Okay.\n\nChannel 0: thing I just wanted to touch base on about is your risk profile. Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed.\n\nChannel 1: Yep.\n\nChannel 0: Did you wanna complete that risk profile again, or you are you happy and comfortable maintaining that high growth risk profile?\n\nChannel 1: I think I'm happy.\n\nChannel 0: Yeah. You\n\nChannel 1: Yeah.\n\nChannel 0: think?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah.\n\nChannel 1: Look, I I'm just trying to make as much as I can while I'm working. So\n\nChannel 0: Yep. Yeah. Of course. Of course. Alright.\n\nFantastic. Well, I have a I will my action items here is to\n\nChannel 1: Yeah.\n\nChannel 0: send\n\nChannel 1: It\n\nChannel 0: you\n\nChannel 1: is. Yeah. And do you know what we came\n\nChannel 0: some\n\nChannel 1: here\n\nChannel 0: information\n\nChannel 1: for? Accessories\n\nChannel 0: on the\n\nChannel 1: that's.\n\nChannel 0: estate planning.\n\nChannel 1: Yep.\n\nChannel 0: The I will\n\nChannel 1: People\n\nChannel 0: also\n\nChannel 1: have got\n\nChannel 0: include a little bit of\n\nChannel 1: three\n\nChannel 0: information\n\nChannel 1: d printed\n\nChannel 0: on how you're tracking to\n\nChannel 1: drawers\n\nChannel 0: pay down your debt, just\n\nChannel 1: that's magnetized\n\nChannel 0: a little calculation\n\nChannel 1: underneath\n\nChannel 0: from\n\nChannel 1: it.\n\nChannel 0: the Asset Money Smart website\n\nChannel 1: I\n\nChannel 0: just to\n\nChannel 1: haven't\n\nChannel 0: give\n\nChannel 1: got\n\nChannel 0: you a\n\nChannel 1: them\n\nChannel 0: little\n\nChannel 1: yet,\n\nChannel 0: idea\n\nChannel 1: but I've\n\nChannel 0: of\n\nChannel 1: been\n\nChannel 0: where\n\nChannel 1: looking\n\nChannel 0: you're at.\n\nChannel 1: at them on top of\n\nChannel 0: But\n\nChannel 1: that before. Sure.\n\nChannel 0: at the moment, unless there's anything that you\n\nChannel 1: Or\n\nChannel 0: need\n\nChannel 1: even just\n\nChannel 0: me\n\nChannel 1: the\n\nChannel 0: to look at specifically or you need any any advice on, I feel like we might be able to touch base again depending on your your request\n\nChannel 1: I'm fine annually. I think annually is great. It's it's not since not long since I dropped my my my tax returns or chasing up on the super stuff, it it makes sense to coincide.\n\nChannel 0: Yep. Fantastic. Alright.\n\nChannel 1: So\n\nChannel 0: No\n\nChannel 1: I thought\n\nChannel 0: worries\n\nChannel 1: I'd\n\nChannel 0: at\n\nChannel 1: speak\n\nChannel 0: all.\n\nChannel 1: with that.\n\nChannel 0: Well, Marcus, I will make sure all our details are\n\nChannel 1: It's\n\nChannel 0: updated.\n\nChannel 1: probably about\n\nChannel 0: And if you have any questions or concerns or anything that comes up in the meantime before your next scheduled review, please reach out. And thank you for your time.\n\nChannel 1: Thank you very much, Shannon. You have a great day.\n\nChannel 0: You too.\n\nChannel 1: Alright. Bye\n\nChannel 0: Bye.\n\nChannel 1: now.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Marcus speaking.","start":4.0,"end":4.9,"sentiment":"neutral","sentiment_score":0.01093631749972701}],"sentiment":"neutral","sentiment_score":0.01093631749972701,"channel":1,"num_words":2,"start":4.0,"end":4.9},{"sentences":[{"text":"Hi, Marcus.","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.11889398097991943},{"text":"This is Jennifer from Oakview Financial.","start":6.3199997,"end":9.38,"sentiment":"neutral","sentiment_score":0.1530558168888092},{"text":"How are you today?","start":9.44,"end":10.42,"sentiment":"neutral","sentiment_score":0.19480248913168907}],"sentiment":"neutral","sentiment_score":0.1612777349849542,"channel":0,"num_words":12,"start":5.44,"end":10.42},{"sentences":[{"text":"Doing well.","start":10.8,"end":11.36,"sentiment":"positive","sentiment_score":0.47408828139305115},{"text":"Thanks, Jim.","start":11.36,"end":12.179999,"sentiment":"positive","sentiment_score":0.6366661190986633}],"sentiment":"positive","sentiment_score":0.5553772002458572,"channel":1,"num_words":4,"start":10.8,"end":12.179999},{"sentences":[{"text":"That's good.","start":12.639999,"end":13.62,"sentiment":"positive","sentiment_score":0.6526475846767426},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.8949995,"end":18.474998,"sentiment":"neutral","sentiment_score":0.05397481698056926},{"text":"Is that okay with you?","start":18.535,"end":19.835,"sentiment":"neutral","sentiment_score":0.03698492981493473}],"sentiment":"neutral","sentiment_score":0.09105468696604173,"channel":0,"num_words":30,"start":12.639999,"end":19.835},{"sentences":[{"text":"Sure.","start":19.994999,"end":20.494999,"sentiment":"neutral","sentiment_score":0.0902351215481758}],"sentiment":"neutral","sentiment_score":0.0902351215481758,"channel":1,"num_words":1,"start":19.994999,"end":20.494999},{"sentences":[{"text":"Sure.","start":21.255,"end":21.654999,"sentiment":"neutral","sentiment_score":0.13079138100147247},{"text":"Beautiful.","start":21.654999,"end":22.154999,"sentiment":"neutral","sentiment_score":0.3128212094306946},{"text":"And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please?","start":22.695,"end":29.06,"sentiment":"neutral","sentiment_score":0.05069449135603813}],"sentiment":"neutral","sentiment_score":0.06291676306032709,"channel":0,"num_words":28,"start":21.255,"end":29.06},{"sentences":[{"text":"Sure.","start":29.58,"end":30.08,"sentiment":"neutral","sentiment_score":0.013113141059875488},{"text":"It's Marcus James Madrid, twenty eighth to the fifth nineteen eighty six.","start":30.3,"end":34.059998,"sentiment":"neutral","sentiment_score":0.015217934541093806},{"text":"And what was it that did you say address?","start":34.059998,"end":37.92,"sentiment":"neutral","sentiment_score":0.005619778866983122}],"sentiment":"neutral","sentiment_score":0.01119574387981133,"channel":1,"num_words":22,"start":29.58,"end":37.92},{"sentences":[{"text":"Address.","start":37.68,"end":38.18,"sentiment":"neutral","sentiment_score":0.0021145602222532034},{"text":"Address,","start":38.239998,"end":38.739998,"sentiment":"neutral","sentiment_score":0.002414337359368801}],"sentiment":"neutral","sentiment_score":0.0022644487908110023,"channel":0,"num_words":2,"start":37.68,"end":38.739998},{"sentences":[{"text":"Yep.","start":38.54,"end":39.04,"sentiment":"neutral","sentiment_score":0.006110078655183315},{"text":"Yes.","start":39.18,"end":39.58,"sentiment":"neutral","sentiment_score":0.01117013953626156},{"text":"31 Morecast Road, Scarsdale","start":39.58,"end":41.28,"sentiment":"neutral","sentiment_score":0.009643440833315253}],"sentiment":"neutral","sentiment_score":0.009308996920784315,"channel":1,"num_words":6,"start":38.54,"end":41.28},{"sentences":[{"text":"please.","start":41.375,"end":41.875,"sentiment":"neutral","sentiment_score":0.018454212695360184}],"sentiment":"neutral","sentiment_score":0.018454212695360184,"channel":0,"num_words":1,"start":41.375,"end":41.875},{"sentences":[{"text":"3351.","start":41.58,"end":42.615,"sentiment":"neutral","sentiment_score":0.021560197696089745}],"sentiment":"neutral","sentiment_score":0.021560197696089745,"channel":1,"num_words":1,"start":41.58,"end":42.615},{"sentences":[{"text":"Beautiful.","start":43.615,"end":44.115,"sentiment":"positive","sentiment_score":0.39325061440467834},{"text":"Thank you so much for that.","start":44.255,"end":45.375,"sentiment":"positive","sentiment_score":0.6374618907769521},{"text":"I appreciate it.","start":45.375,"end":46.435,"sentiment":"positive","sentiment_score":0.6329281131426493}],"sentiment":"positive","sentiment_score":0.6116806298494339,"channel":0,"num_words":10,"start":43.615,"end":46.435},{"sentences":[{"text":"No","start":46.695,"end":46.855003,"sentiment":"neutral","sentiment_score":0.18259966373443604}],"sentiment":"neutral","sentiment_score":0.18259966373443604,"channel":1,"num_words":1,"start":46.695,"end":46.855003},{"sentences":[{"text":"I","start":46.815,"end":47.315,"sentiment":"neutral","sentiment_score":0.037225380539894104}],"sentiment":"neutral","sentiment_score":0.037225380539894104,"channel":0,"num_words":1,"start":46.815,"end":47.315},{"sentences":[{"text":"worries.","start":46.855003,"end":47.355003,"sentiment":"neutral","sentiment_score":0.06746533513069153}],"sentiment":"neutral","sentiment_score":0.06746533513069153,"channel":1,"num_words":1,"start":46.855003,"end":47.355003},{"sentences":[{"text":"am phoning to run through your annual review.","start":47.855,"end":50.595,"sentiment":"neutral","sentiment_score":0.04370173090137541},{"text":"Do you still","start":50.735,"end":51.295,"sentiment":"neutral","sentiment_score":-0.007742308080196381}],"sentiment":"neutral","sentiment_score":0.02967153845185583,"channel":0,"num_words":11,"start":47.855,"end":51.295},{"sentences":[{"text":"Yep.","start":51.255,"end":51.755,"sentiment":"neutral","sentiment_score":0.010892916470766068}],"sentiment":"neutral","sentiment_score":0.010892916470766068,"channel":1,"num_words":1,"start":51.255,"end":51.755},{"sentences":[{"text":"have","start":51.295,"end":51.6,"sentiment":"neutral","sentiment_score":0.004234333522617817}],"sentiment":"neutral","sentiment_score":0.004234333522617817,"channel":0,"num_words":1,"start":51.295,"end":51.6},{"sentences":[{"text":"Yeah.","start":53.015,"end":53.335,"sentiment":"neutral","sentiment_score":0.0312843844294548},{"text":"Yep.","start":53.335,"end":53.575,"sentiment":"neutral","sentiment_score":0.04522067308425903},{"text":"We","start":53.575,"end":53.735,"sentiment":"neutral","sentiment_score":0.06629830598831177}],"sentiment":"neutral","sentiment_score":0.047601121167341866,"channel":1,"num_words":3,"start":53.015,"end":53.735},{"sentences":[{"text":"time","start":53.6,"end":54.1,"sentiment":"neutral","sentiment_score":0.06583933532238007}],"sentiment":"neutral","sentiment_score":0.06583933532238007,"channel":0,"num_words":1,"start":53.6,"end":54.1},{"sentences":[{"text":"can do that now.","start":53.735,"end":54.375,"sentiment":"neutral","sentiment_score":0.0901042465120554}],"sentiment":"neutral","sentiment_score":0.0901042465120554,"channel":1,"num_words":4,"start":53.735,"end":54.375},{"sentences":[{"text":"to","start":54.159996,"end":54.659996,"sentiment":"neutral","sentiment_score":0.04864126816391945}],"sentiment":"neutral","sentiment_score":0.04864126816391945,"channel":0,"num_words":1,"start":54.159996,"end":54.659996},{"sentences":[{"text":"I literally","start":54.375,"end":55.015,"sentiment":"neutral","sentiment_score":0.056952571496367455}],"sentiment":"neutral","sentiment_score":0.056952571496367455,"channel":1,"num_words":2,"start":54.375,"end":55.015},{"sentences":[{"text":"do","start":54.719997,"end":55.219997,"sentiment":"neutral","sentiment_score":0.05646165832877159}],"sentiment":"neutral","sentiment_score":0.05646165832877159,"channel":0,"num_words":1,"start":54.719997,"end":55.219997},{"sentences":[{"text":"just finished","start":55.015,"end":55.495003,"sentiment":"neutral","sentiment_score":0.06936953216791153}],"sentiment":"neutral","sentiment_score":0.06936953216791153,"channel":1,"num_words":2,"start":55.015,"end":55.495003},{"sentences":[{"text":"that","start":55.28,"end":55.78,"sentiment":"neutral","sentiment_score":0.06946686655282974}],"sentiment":"neutral","sentiment_score":0.06946686655282974,"channel":0,"num_words":1,"start":55.28,"end":55.78},{"sentences":[{"text":"up on a","start":55.495003,"end":55.895,"sentiment":"neutral","sentiment_score":0.047476887702941895}],"sentiment":"neutral","sentiment_score":0.047476887702941895,"channel":1,"num_words":3,"start":55.495003,"end":55.895},{"sentences":[{"text":"today?","start":55.839996,"end":56.339996,"sentiment":"neutral","sentiment_score":0.0451885387301445}],"sentiment":"neutral","sentiment_score":0.0451885387301445,"channel":0,"num_words":1,"start":55.839996,"end":56.339996},{"sentences":[{"text":"call.","start":55.895,"end":56.395,"sentiment":"neutral","sentiment_score":0.07006029784679413}],"sentiment":"neutral","sentiment_score":0.07006029784679413,"channel":1,"num_words":1,"start":55.895,"end":56.395},{"sentences":[{"text":"Fantastic.","start":57.199997,"end":57.699997,"sentiment":"positive","sentiment_score":0.4071735143661499},{"text":"Perfect 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our review pack.","start":1185.78,"end":1187.48,"sentiment":"neutral","sentiment_score":0.10186652094125748}],"sentiment":"neutral","sentiment_score":0.13938529470137187,"channel":0,"num_words":28,"start":1177.265,"end":1187.48},{"sentences":[{"text":"Okay.","start":1187.835,"end":1188.335,"sentiment":"neutral","sentiment_score":0.07125788927078247}],"sentiment":"neutral","sentiment_score":0.07125788927078247,"channel":1,"num_words":1,"start":1187.835,"end":1188.335},{"sentences":[{"text":"We within that we're gonna run through the details within 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myself is in relation to 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then I'm pretty happy with those.","start":1263.6849,"end":1265.365,"sentiment":"positive","sentiment_score":0.3678277113607952},{"text":"And I'm pretty sure they're grandfathered as well.","start":1265.365,"end":1267.625,"sentiment":"neutral","sentiment_score":0.22329179756343365}],"sentiment":"neutral","sentiment_score":0.290741890668869,"channel":1,"num_words":15,"start":1263.6849,"end":1267.625},{"sentences":[{"text":"They are correct.","start":1268.11,"end":1269.07,"sentiment":"neutral","sentiment_score":0.1689095993836721},{"text":"Yep.","start":1269.07,"end":1269.57,"sentiment":"neutral","sentiment_score":0.07860149443149567},{"text":"Yep.","start":1269.87,"end":1270.35,"sentiment":"neutral","sentiment_score":0.06419578194618225},{"text":"So with the if Britney were if something was to happen to you, and I'll use yesterday as an example because we know it didn't happen, With income wise being debt free, would she be able and your income now ceased, would she be okay 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next document over will be the twelve months return document","start":1401.605,"end":1410.585,"sentiment":"neutral","sentiment_score":0.052462162280624565}],"sentiment":"neutral","sentiment_score":0.08616164173273479,"channel":0,"num_words":17,"start":1398.405,"end":1410.585},{"sentences":[{"text":"Yep.","start":1410.9349,"end":1411.4349,"sentiment":"neutral","sentiment_score":0.04662272334098816}],"sentiment":"neutral","sentiment_score":0.04662272334098816,"channel":1,"num_words":1,"start":1410.9349,"end":1411.4349},{"sentences":[{"text":"performance.","start":1411.76,"end":1412.26,"sentiment":"neutral","sentiment_score":0.025091761723160744},{"text":"Sorry.","start":1413.36,"end":1413.6,"sentiment":"neutral","sentiment_score":-0.19517087936401367},{"text":"I lost my train of thought there for a second.","start":1413.6,"end":1417.0399,"sentiment":"negative","sentiment_score":-0.34092513620853426},{"text":"As so have you got looking at the twelve month one or the six month 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moved","start":1447.3601,"end":1448.0,"sentiment":"neutral","sentiment_score":-0.0939868837594986}],"sentiment":"neutral","sentiment_score":-0.22737085677328564,"channel":0,"num_words":21,"start":1436.56,"end":1448.0},{"sentences":[{"text":"Anyway.","start":1447.7999,"end":1448.2999,"sentiment":"neutral","sentiment_score":-0.035234276205301285}],"sentiment":"neutral","sentiment_score":-0.035234276205301285,"channel":1,"num_words":1,"start":1447.7999,"end":1448.2999},{"sentences":[{"text":"out of the Bennelong.","start":1448.0,"end":1448.9,"sentiment":"neutral","sentiment_score":-0.05918615963310003},{"text":"You had a chat earlier this year to get out of the Bennelong Australian Equities Fund, and that has still had an impact on your policy because on your policy on your portfolio as it was still in there for the time being.","start":1448.9601,"end":1464.12,"sentiment":"neutral","sentiment_score":-0.3209491205769916},{"text":"So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.66.","start":1464.12,"end":1473.3999,"sentiment":"neutral","sentiment_score":-0.3197905695438385},{"text":"So that's had this that's the effect of your portfolio over the last twelve months.","start":1473.3999,"end":1479.215,"sentiment":"negative","sentiment_score":-0.4538820326328278},{"text":"You'll see that you're no longer in that.","start":1479.4349,"end":1481.195,"sentiment":"neutral","sentiment_score":-0.33249932900071144}],"sentiment":"neutral","sentiment_score":-0.331584696667759,"channel":0,"num_words":95,"start":1448.0,"end":1481.195},{"sentences":[{"text":"We've moved you out to the BetaShares Australian ETF, which is performing at a much more stable rate.","start":1481.195,"end":1487.615,"sentiment":"neutral","sentiment_score":0.14632277521822187},{"text":"So we we give you the twelve month one because that's obviously what we're talking about, the previous twelve months.","start":1489.42,"end":1495.1201,"sentiment":"neutral","sentiment_score":0.08446154855191708},{"text":"But if you go to the next document, you'll see your portfolio for the last six months and how it has begun to recover post post the removal of the Ben along Australian Equities Fund.","start":1495.66,"end":1506.055,"sentiment":"neutral","sentiment_score":0.06408570052257606},{"text":"So the return for the last six months is 5.43% net of fees.","start":1506.055,"end":1511.1951,"sentiment":"neutral","sentiment_score":0.21189060807228088},{"text":"So it is starting to come back.","start":1511.975,"end":1513.915,"sentiment":"neutral","sentiment_score":0.2719549834728241}],"sentiment":"neutral","sentiment_score":0.12069143260759051,"channel":0,"num_words":93,"start":1481.195,"end":1513.915},{"sentences":[{"text":"Yep.","start":1515.3,"end":1515.7001,"sentiment":"neutral","sentiment_score":0.2760927081108093},{"text":"Yep.","start":1515.7001,"end":1516.1001,"sentiment":"neutral","sentiment_score":0.32939231395721436},{"text":"And it sits within that because you're currently invested as a high growth investor, and it's it's sitting right in between that what would expect a return of that portfolio, a high growth portfolio sitting between eight to 10% per annum growth of fees.","start":1516.1001,"end":1533.0449,"sentiment":"positive","sentiment_score":0.36989819732579315},{"text":"So, you know, six months in, you're already tracking towards that.","start":1533.4249,"end":1537.025,"sentiment":"neutral","sentiment_score":0.2846983467990702},{"text":"So we expect to continue to see that stabilize.","start":1537.025,"end":1545.7899,"sentiment":"positive","sentiment_score":0.4128625757164425}],"sentiment":"positive","sentiment_score":0.3595219803127376,"channel":0,"num_words":66,"start":1515.3,"end":1545.7899},{"sentences":[{"text":"And in regards to your other investment options on the six month one, you'll see that gold has had a little bit of a a dip recently in the within the last six months because it was performing very well.","start":1546.25,"end":1560.525,"sentiment":"neutral","sentiment_score":-0.02439203895628452},{"text":"Even though it has it is it it has underperformed in the last six months, it's not something that would necessarily look at replacing.","start":1561.305,"end":1569.86,"sentiment":"neutral","sentiment_score":-0.20689941259721914},{"text":"It is a volatile type of asset that does move up and down.","start":1571.36,"end":1578.02,"sentiment":"neutral","sentiment_score":-0.21508150146557733},{"text":"So, yeah, we wouldn't typically look at replacing that as yet.","start":1580.4,"end":1584.135,"sentiment":"neutral","sentiment_score":-0.23014028099450198},{"text":"It's not a a concern for us at the moment, and the rest of your portfolio is performing quite well.","start":1584.135,"end":1591.895,"sentiment":"neutral","sentiment_score":0.28752973610535265}],"sentiment":"neutral","sentiment_score":-0.051095142115459395,"channel":0,"num_words":108,"start":1546.25,"end":1591.895},{"sentences":[{"text":"You've got a fair bit of exposure to the international market across several different countries and continents, and they're all, different countries and continents, and they're all performing as we as we see fit.","start":1591.895,"end":1605.38,"sentiment":"neutral","sentiment_score":0.21389196550144868},{"text":"The next docu the net any questions so far with those those that little bit of information?","start":1606.08,"end":1611.38,"sentiment":"neutral","sentiment_score":0.011344828533337396}],"sentiment":"neutral","sentiment_score":0.14637625317874492,"channel":0,"num_words":51,"start":1591.895,"end":1611.38},{"sentences":[{"text":"No.","start":1612.485,"end":1612.805,"sentiment":"neutral","sentiment_score":-0.08192122727632523},{"text":"Not not","start":1612.805,"end":1613.2051,"sentiment":"neutral","sentiment_score":-0.09410734102129936}],"sentiment":"neutral","sentiment_score":-0.09004530310630798,"channel":1,"num_words":3,"start":1612.485,"end":1613.2051},{"sentences":[{"text":"Information?","start":1613.165,"end":1613.5651,"sentiment":"neutral","sentiment_score":-0.054286882281303406}],"sentiment":"neutral","sentiment_score":-0.054286882281303406,"channel":0,"num_words":1,"start":1613.165,"end":1613.5651},{"sentences":[{"text":"not question.","start":1613.2051,"end":1613.9551,"sentiment":"neutral","sentiment_score":-0.06528467498719692}],"sentiment":"neutral","sentiment_score":-0.06528467498719692,"channel":1,"num_words":2,"start":1613.2051,"end":1613.9551},{"sentences":[{"text":"No.","start":1613.5651,"end":1614.0651,"sentiment":"neutral","sentiment_score":0.008021777495741844},{"text":"Beautiful.","start":1615.245,"end":1615.745,"sentiment":"positive","sentiment_score":0.34424924850463867},{"text":"The next document is the Vanguard index chart.","start":1616.2051,"end":1618.845,"sentiment":"neutral","sentiment_score":0.176552789285779},{"text":"Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about.","start":1618.845,"end":1627.12,"sentiment":"neutral","sentiment_score":0.32089992240071297},{"text":"So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive.","start":1627.58,"end":1635.52,"sentiment":"neutral","sentiment_score":0.1690958719700575}],"sentiment":"neutral","sentiment_score":0.2436518725328918,"channel":0,"num_words":58,"start":1613.5651,"end":1635.52},{"sentences":[{"text":"Those first top sorry.","start":1636.22,"end":1638.5249,"sentiment":"neutral","sentiment_score":0.07350916881114244},{"text":"Those top four on the right hand column, US shares, Australian shares, international, and listed property, they're your growth assets.","start":1638.5249,"end":1645.825,"sentiment":"neutral","sentiment_score":0.10848134309053421},{"text":"So that's where we expect to see 90% of your super funds invested in Australian bonds and cash.","start":1645.885,"end":1657.6,"sentiment":"neutral","sentiment_score":0.187818909684817},{"text":"Now the you will see the volatility and the fluctuations in the growth assets.","start":1659.18,"end":1661.6866,"sentiment":"neutral","sentiment_score":0.01973585837653705},{"text":"And the reason and the in the growth assets.","start":1661.6866,"end":1664.175,"sentiment":"neutral","sentiment_score":0.00660544302728441}],"sentiment":"neutral","sentiment_score":0.09507930639844675,"channel":0,"num_words":65,"start":1636.22,"end":1664.175},{"sentences":[{"text":"And the reason and, you know, there's various reasons why.","start":1664.7151,"end":1668.3151,"sentiment":"neutral","sentiment_score":0.002110413531772792},{"text":"You can look across the top at the the little black writing at the top that gives you significant areas of or significant events and how the market reacted to those events.","start":1668.3151,"end":1678.0951,"sentiment":"neutral","sentiment_score":0.03614360012579709},{"text":"But you'll also see with a high growth investor, we would say if you're if you're happy to remain invested within that profile, you need to be invested for a minimum of eight years because that allows you to write out the fluctuations.","start":1679.6699,"end":1694.735,"sentiment":"neutral","sentiment_score":0.12033262294392254},{"text":"So given that you've got twenty years to access super, you do have time on your side to be able to withstand the volatility should you be comfortable with it.","start":1695.435,"end":1705.935,"sentiment":"neutral","sentiment_score":0.12754738417764505},{"text":"So","start":1707.33,"end":1707.83,"sentiment":"neutral","sentiment_score":0.10964664071798325}],"sentiment":"neutral","sentiment_score":0.08869026113775205,"channel":0,"num_words":116,"start":1664.7151,"end":1707.83},{"sentences":[{"text":"Okay.","start":1707.4,"end":1707.9,"sentiment":"neutral","sentiment_score":0.19814275205135343}],"sentiment":"neutral","sentiment_score":0.19814275205135343,"channel":1,"num_words":1,"start":1707.4,"end":1707.9},{"sentences":[{"text":"that's just how it's a nice little tool to show, like, in the long term, you can it's quite profitable, but there are periods of downturns, and there does need to be an understanding and a level of comfort with that.","start":1709.33,"end":1724.895,"sentiment":"neutral","sentiment_score":0.17153879291400675},{"text":"The next document over is your MetLife oh, sorry.","start":1728.155,"end":1732.0751,"sentiment":"neutral","sentiment_score":0.07062767528825337},{"text":"Your ClearView certificate of fee.","start":1732.0751,"end":1733.88,"sentiment":"neutral","sentiment_score":0.09043933898210525},{"text":"It's just showing you what your current levels of cover are, what the cost is, and that it's paid through your super fund.","start":1733.88,"end":1741.02,"sentiment":"neutral","sentiment_score":0.08821532324604366},{"text":"The next document is your financial services guide.","start":1744.04,"end":1746.775,"sentiment":"neutral","sentiment_score":0.04954459052532911}],"sentiment":"neutral","sentiment_score":0.12263076094000838,"channel":0,"num_words":86,"start":1709.33,"end":1746.775},{"sentences":[{"text":"Now this is a document for you.","start":1746.995,"end":1749.475,"sentiment":"neutral","sentiment_score":0.1288882941007614},{"text":"It just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint.","start":1749.475,"end":1768.39,"sentiment":"neutral","sentiment_score":0.04601753270253539},{"text":"So it's a it's a document that is accessible on our website.","start":1768.69,"end":1773.635,"sentiment":"neutral","sentiment_score":0.09094326570630074},{"text":"If you lose it in here, it's you'll find it there.","start":1773.635,"end":1776.695,"sentiment":"neutral","sentiment_score":0.039304442195729775},{"text":"The next document, is that your net wealth advice fee consent form?","start":1780.2749,"end":1788.23,"sentiment":"neutral","sentiment_score":0.053949991861979164}],"sentiment":"neutral","sentiment_score":0.05869030648221572,"channel":0,"num_words":90,"start":1746.995,"end":1788.23},{"sentences":[{"text":"Yep.","start":1788.23,"end":1788.73,"sentiment":"neutral","sentiment_score":0.2788388431072235},{"text":"Beautiful.","start":1788.79,"end":1789.29,"sentiment":"positive","sentiment_score":0.5778908133506775},{"text":"Okay.","start":1789.75,"end":1790.25,"sentiment":"positive","sentiment_score":0.3341156840324402},{"text":"So every twelve months, once we do the review, we check-in, perform a review sorry.","start":1790.55,"end":1797.85,"sentiment":"neutral","sentiment_score":0.14135167722900707},{"text":"Every twelve months, we check-in, perform a review, and make sure that you're happy to continue may remaining a client of Oakview Financial.","start":1798.0701,"end":1805.0651,"sentiment":"neutral","sentiment_score":0.20024721194868503}],"sentiment":"neutral","sentiment_score":0.19309283838402935,"channel":0,"num_words":41,"start":1788.23,"end":1805.0651},{"sentences":[{"text":"Now","start":1805.845,"end":1806.345,"sentiment":"neutral","sentiment_score":0.13238850235939026}],"sentiment":"neutral","sentiment_score":0.13238850235939026,"channel":0,"num_words":1,"start":1805.845,"end":1806.345},{"sentences":[{"text":"Yep.","start":1806.2201,"end":1806.7201,"sentiment":"neutral","sentiment_score":0.16888098418712616}],"sentiment":"neutral","sentiment_score":0.16888098418712616,"channel":1,"num_words":1,"start":1806.2201,"end":1806.7201},{"sentences":[{"text":"the the amount this fit this form's very small, but in the third heading down, there's one saying you will pay the following ongoing fee from your account in your net wealth fund, and it's a $6 amount fee of a $164.33 per month.","start":1806.5651,"end":1824.26,"sentiment":"neutral","sentiment_score":0.10066219156777317},{"text":"So if you wanna if you are comfortable to continue being a client with Oakview, we'd ask that you sign that.","start":1824.7201,"end":1832.915,"sentiment":"neutral","sentiment_score":0.1969314320456414},{"text":"You can do that electronically through this form.","start":1833.295,"end":1835.7151,"sentiment":"neutral","sentiment_score":0.1597754880785942},{"text":"And I to give you full transparency, that annual fee works out to be $1,972 a year rounded up.","start":1835.935,"end":1844.4199,"sentiment":"neutral","sentiment_score":0.1952351378767114},{"text":"The the services with that is that, obviously, you'll get your planned and your review every year.","start":1846.24,"end":1853.895,"sentiment":"neutral","sentiment_score":0.2536747534485424}],"sentiment":"neutral","sentiment_score":0.1638976039894677,"channel":0,"num_words":109,"start":1806.5651,"end":1853.895},{"sentences":[{"text":"But if there are any other ad hoc conversations you need or an additional review or anything like that, you're not limited by just your one review a year.","start":1854.135,"end":1862.215,"sentiment":"neutral","sentiment_score":0.11957698893444292},{"text":"You just pick up the phone, shoot through an email, and we'll be in contact and and sort out what you need.","start":1862.215,"end":1870.6499,"sentiment":"neutral","sentiment_score":0.19847240637649188}],"sentiment":"neutral","sentiment_score":0.15361030626238562,"channel":0,"num_words":51,"start":1854.135,"end":1870.6499},{"sentences":[{"text":"Pretty much what I've been doing so far.","start":1871.1599,"end":1872.9199,"sentiment":"neutral","sentiment_score":0.2610037960112095},{"text":"No real change.","start":1872.9199,"end":1873.8999,"sentiment":"neutral","sentiment_score":-0.2060488760471344}],"sentiment":"neutral","sentiment_score":0.13362579454075207,"channel":1,"num_words":11,"start":1871.1599,"end":1873.8999},{"sentences":[{"text":"100%.","start":1873.4299,"end":1874.33,"sentiment":"neutral","sentiment_score":0.1744716316461563},{"text":"Yep.","start":1874.5499,"end":1874.95,"sentiment":"neutral","sentiment_score":0.18314862251281736}],"sentiment":"neutral","sentiment_score":0.17881012707948685,"channel":0,"num_words":2,"start":1873.4299,"end":1874.95},{"sentences":[{"text":"Yep.","start":1874.76,"end":1875.26,"sentiment":"neutral","sentiment_score":0.1794599890708923}],"sentiment":"neutral","sentiment_score":0.1794599890708923,"channel":1,"num_words":1,"start":1874.76,"end":1875.26},{"sentences":[{"text":"Yep.","start":1874.95,"end":1875.45,"sentiment":"neutral","sentiment_score":0.18258361518383023},{"text":"Exactly.","start":1875.6699,"end":1876.1699,"sentiment":"neutral","sentiment_score":0.28546401858329773},{"text":"And then the last document is your tax file number authority.","start":1876.95,"end":1881.205,"sentiment":"neutral","sentiment_score":0.1565593257546425},{"text":"So we just ask you to sign that to confirm that you approve that we hold your tax file number on record.","start":1881.205,"end":1888.345,"sentiment":"neutral","sentiment_score":0.20040708255361428},{"text":"The purpose of doing that is that we've provided it to Netwealth in the past to ensure that your super fund is not overly taxed.","start":1888.485,"end":1897.55,"sentiment":"neutral","sentiment_score":0.15722644448280335}],"sentiment":"neutral","sentiment_score":0.17549695242196323,"channel":0,"num_words":60,"start":1874.95,"end":1897.55},{"sentences":[{"text":"And for privacy reasons, we just require your signature to say you're happy for us to maintain that number for 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worries.","start":1911.4349,"end":1912.095,"sentiment":"neutral","sentiment_score":0.07858224585652351}],"sentiment":"neutral","sentiment_score":0.07858224585652351,"channel":1,"num_words":2,"start":1911.4349,"end":1912.095},{"sentences":[{"text":"Do you have any questions about that?","start":1911.815,"end":1913.995,"sentiment":"neutral","sentiment_score":0.04974287375807762}],"sentiment":"neutral","sentiment_score":0.04974287375807762,"channel":0,"num_words":7,"start":1911.815,"end":1913.995},{"sentences":[{"text":"Yep.","start":1914.5549,"end":1914.955,"sentiment":"neutral","sentiment_score":0.059552863240242},{"text":"No.","start":1914.955,"end":1915.115,"sentiment":"neutral","sentiment_score":0.047841764986515045},{"text":"No 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quick.","start":1922.9349,"end":1923.9149,"sentiment":"positive","sentiment_score":0.4778962731361389},{"text":"Thank you.","start":1924.375,"end":1925.195,"sentiment":"positive","sentiment_score":0.5955549776554108},{"text":"The last","start":1925.46,"end":1926.02,"sentiment":"neutral","sentiment_score":0.11487525328993797}],"sentiment":"positive","sentiment_score":0.3738847950642759,"channel":0,"num_words":11,"start":1921.8949,"end":1926.02},{"sentences":[{"text":"Okay.","start":1925.88,"end":1926.38,"sentiment":"neutral","sentiment_score":0.09741055965423584}],"sentiment":"neutral","sentiment_score":0.09741055965423584,"channel":1,"num_words":1,"start":1925.88,"end":1926.38},{"sentences":[{"text":"thing I just wanted to touch base on about is your risk profile.","start":1926.02,"end":1930.6599,"sentiment":"neutral","sentiment_score":0.06335669125501926},{"text":"Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed.","start":1930.6599,"end":1950.4149,"sentiment":"neutral","sentiment_score":0.05651335456237501}],"sentiment":"neutral","sentiment_score":0.057948247739864935,"channel":0,"num_words":62,"start":1926.02,"end":1950.4149},{"sentences":[{"text":"Yep.","start":1950.88,"end":1951.38,"sentiment":"neutral","sentiment_score":0.06740805506706238}],"sentiment":"neutral","sentiment_score":0.06740805506706238,"channel":1,"num_words":1,"start":1950.88,"end":1951.38},{"sentences":[{"text":"Did you wanna complete that risk profile again, or you are you happy and comfortable maintaining that high growth risk profile?","start":1951.115,"end":1959.67,"sentiment":"neutral","sentiment_score":0.09101987168902442}],"sentiment":"neutral","sentiment_score":0.09101987168902442,"channel":0,"num_words":21,"start":1951.115,"end":1959.67},{"sentences":[{"text":"I think I'm 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too.","start":2060.6008,"end":2061.3408,"sentiment":"positive","sentiment_score":0.518358051776886}],"sentiment":"positive","sentiment_score":0.518358051776886,"channel":0,"num_words":2,"start":2060.6008,"end":2061.3408},{"sentences":[{"text":"Alright.","start":2061.8708,"end":2062.271,"sentiment":"neutral","sentiment_score":0.26109418272972107},{"text":"Bye","start":2062.271,"end":2062.511,"sentiment":"neutral","sentiment_score":0.16715002059936523}],"sentiment":"neutral","sentiment_score":0.21412210166454315,"channel":1,"num_words":2,"start":2061.8708,"end":2062.511},{"sentences":[{"text":"Bye.","start":2062.441,"end":2062.941,"sentiment":"neutral","sentiment_score":0.1764045208692551}],"sentiment":"neutral","sentiment_score":0.1764045208692551,"channel":0,"num_words":1,"start":2062.441,"end":2062.941},{"sentences":[{"text":"now.","start":2062.511,"end":2063.011,"sentiment":"neutral","sentiment_score":0.1623254418373108}],"sentiment":"neutral","sentiment_score":0.1623254418373108,"channel":1,"num_words":1,"start":2062.511,"end":2063.011},{"sentences":[{"text":"Bye.","start":2063.401,"end":2063.901,"sentiment":"neutral","sentiment_score":-0.10671698302030563}],"sentiment":"neutral","sentiment_score":-0.10671698302030563,"channel":0,"num_words":1,"start":2063.401,"end":2063.901}]},"summary":{"result":"success","short":"A representative from Oakview Financial, Jennifer, discusses the customer's personal financial information and expenses with Marcus, including their work schedule, income, and expenses. They also discuss the customer's retirement plans and goals for their upcoming mortgage, including the possibility of adding repayments to their mortgage. The representative explains the process for estate planning and provides information on risk protection plans and the importance of investing in growth assets. They also mention a financial services guide and a net wealth advice fee consent form. The call ends with the speaker thanking the caller and reminding them to reach out with any questions or concerns."},"intents":{"segments":[{"text":"And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please? Sure.","start_word":51,"end_word":77,"intents":[{"intent":"Confirm details","confidence_score":0.042467862},{"intent":"Confirm identity","confidence_score":0.7976488}]},{"text":"am phoning to run through your annual review. Do you still Yep.","start_word":122,"end_word":133,"intents":[{"intent":"Run review","confidence_score":0.10167688}]},{"text":"I'll send you through a review pack for us to work through as well. Alright.","start_word":208,"end_word":222,"intents":[{"intent":"Send review pack","confidence_score":0.056120936}]},{"text":"So I just wanted to check with you. Your email address, is that still Marcusjc3@Gmail.com? That's right.","start_word":223,"end_word":239,"intents":[{"intent":"Confirm email address","confidence_score":0.13805847}]},{"text":"The last notes we had was that they were four and three years old. And how old are they now?","start_word":267,"end_word":286,"intents":[{"intent":"Confirm age","confidence_score":0.13713099}]},{"text":"My oldest, his name is Wesley, and my Yep. youngest, her name is Rosalie. Mhmm.","start_word":325,"end_word":339,"intents":[{"intent":"Check children's name","confidence_score":0.006889678}]},{"text":"And is that including super or that's Yeah.","start_word":666,"end_word":673,"intents":[{"intent":"Confirm super","confidence_score":0.022302259}]},{"text":"And last time, you weren't sure if you what your expenditure was per week or your savings was. Do you have Yep.","start_word":684,"end_word":705,"intents":[{"intent":"Inquire about savings","confidence_score":0.1716206}]},{"text":"So she works Yep. four days a week. Yeah.","start_word":822,"end_word":830,"intents":[{"intent":"Specify work schedule","confidence_score":0.0005175711}]},{"text":"So with your employment, are you just paid the standard 12%. For super?","start_word":912,"end_word":924,"intents":[{"intent":"Question employer's payment","confidence_score":0.00015979086},{"intent":"Question employee's income","confidence_score":0.000440837}]},{"text":"Do you have any kind of EBA arrangement with your employer? You No. would know.","start_word":928,"end_word":942,"intents":[{"intent":"Ask about eba arrangement","confidence_score":0.03221135}]},{"text":"And what do you know what the mortgage outstanding on it is at the moment? Yeah.","start_word":1010,"end_word":1025,"intents":[{"intent":"Check mortgage amount","confidence_score":0.0004935591}]},{"text":"And, previously, we had a car here valued at $38,000 with 20 no debt. Is that still right?","start_word":1031,"end_word":1048,"intents":[{"intent":"Inquire about car value","confidence_score":0.16237001}]},{"text":"And, previously, we had a car here valued at $38,000 with 20 no debt. Is that still right? five.","start_word":1031,"end_word":1049,"intents":[{"intent":"Ask about car size","confidence_score":0.0019333147}]},{"text":"Did I own? I wish.","start_word":1142,"end_word":1146,"intents":[{"intent":"Confirm car ownership","confidence_score":0.14656238},{"intent":"Confirm car ownership","confidence_score":0.0013711597}]},{"text":"Is it expensive?","start_word":1169,"end_word":1171,"intents":[{"intent":"Ask about car price","confidence_score":0.11611507}]},{"text":"And you don't and it says, do you have a power of attorney?","start_word":1669,"end_word":1681,"intents":[{"intent":"Obtain power of attorney information","confidence_score":0.0032444613}]},{"text":"to go through your goals a little bit, the ones and see where you're tracking or whether they're still relevant from the last time you had your review. Mhmm. One of your goals that you stated was a high priority was to focus on building up your savings and paying down the mortgage as much as possible. Yep.","start_word":1758,"end_word":1815,"intents":[{"intent":"Review goals","confidence_score":0.21226051}]},{"text":"Are you making additional repayments to your Yeah.","start_word":1853,"end_word":1860,"intents":[{"intent":"Determine recommend additional repayments","confidence_score":0.0000014384166}]},{"text":"At the moment, it's about an extra for for me, it's about an extra $60.80 dollars. True. Yeah.","start_word":1890,"end_word":1907,"intents":[{"intent":"Confirm extra payment amount","confidence_score":0.0045727757}]},{"text":"Just gives me a bit of an idea of we can run some calculations kind of thing to see how quickly the house will be paid off at that rate for you, doing those little Yep.","start_word":1990,"end_word":2025,"intents":[{"intent":"Calculate house payment","confidence_score":0.07945801}]},{"text":"With retirement, do you still see that as being 67 years of age? Probably.","start_word":2204,"end_word":2217,"intents":[{"intent":"Confirm age","confidence_score":0.0008858918}]},{"text":"With retirement, do you still see that as being 67 years of age? Probably. Yeah.","start_word":2204,"end_word":2218,"intents":[{"intent":"Consider retirement age","confidence_score":0.000012054547}]},{"text":"Would I that mean be for you and Britney or just for you? sorry.","start_word":2277,"end_word":2290,"intents":[{"intent":"Confirm payment method","confidence_score":0.0015986968}]},{"text":"You the other note that I had here is that you wanna leave behind a legacy for your children. I guess probably to explore that.","start_word":2330,"end_word":2354,"intents":[{"intent":"Explore legacy","confidence_score":0.014629223}]},{"text":"So is it more from an estate planning perspective? Yeah. Yeah.","start_word":2408,"end_word":2418,"intents":[{"intent":"Seek advice on estate planning","confidence_score":3.9008825e-7},{"intent":"Discuss will and estate planning","confidence_score":0.0025478213}]},{"text":"So is it more from an estate planning perspective? Yeah. Yeah. Yeah. Yeah. Just Yep. making sure that there is is debt free as I can get them a start in life because nothing worse than me starting behind. Yeah. Yep. Alright. No worries. Okay. So with that, the estate planning side of things, I note that you said you have the will, and it's going to Britney, so that's absolutely fine. Yep.","start_word":2408,"end_word":2480,"intents":[{"intent":"Discuss will","confidence_score":0.010741122}]},{"text":"and reviewing, especially now that you've got young children. Because if something was to happen to both of you as well, there are things like guardianship and what happens with the money that needs to be considered. Yeah.","start_word":2552,"end_word":2589,"intents":[{"intent":"Review will","confidence_score":0.5307892}]},{"text":"So each state has their own laws in relation to it, but the general consensus of a power of attorney is that you'll you'll nominate a person or people Yep.","start_word":2680,"end_word":2709,"intents":[{"intent":"Educate about power of attorney","confidence_score":0.04478755}]},{"text":"The other item I just wanted to check on there was with the risk protection plan. There's a policy called trauma in place or that you don't have it in place at the moment, but it covers a preset list of defined conditions that should you be diagnosed with or pays a lump sum.","start_word":3383,"end_word":3436,"intents":[{"intent":"Check policy","confidence_score":0.34748346}]},{"text":"it is it's a gap that you have in your risk protection portfolio, Mhmm. but I just wanted to bring it to your attention to see if it is something you wanna investigate further and understand that it is it would be payable from your personal cash flow. Yeah.","start_word":3549,"end_word":3597,"intents":[{"intent":"Understand and investigate policy","confidence_score":0.0019945945}]},{"text":"The next document over will be the twelve months return document Yep. performance.","start_word":3615,"end_word":3627,"intents":[{"intent":"Review twelve month return document","confidence_score":0.13578102}]},{"text":"You'll see right down the bottom on the first page, you'll see that the net return. So after fees and expenses is negative 1.63%.","start_word":3687,"end_word":3710,"intents":[{"intent":"Check net return","confidence_score":0.033712596}]},{"text":"So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.66. So that's had this that's the effect of your portfolio over the last twelve months.","start_word":3772,"end_word":3811,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.098887995}]},{"text":"The next document is the Vanguard index chart. Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about. So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive. Those first top sorry.","start_word":4146,"end_word":4205,"intents":[{"intent":"Document investments","confidence_score":0.0017736792}]},{"text":"Now this is a document for you. It just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint.","start_word":4471,"end_word":4525,"intents":[{"intent":"Inform and inform","confidence_score":0.0005836153}]},{"text":"Do you have any questions about that?","start_word":4872,"end_word":4878,"intents":[{"intent":"Handle questions","confidence_score":0.0028478126}]},{"text":"thing I just wanted to touch base on about is your risk profile. Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed. Yep.","start_word":4911,"end_word":4973,"intents":[{"intent":"Touch base on risks","confidence_score":0.004339102},{"intent":"Complete risk profile","confidence_score":0.4423504}]},{"text":"And do you know what we came some here information for? Accessories on the that's. estate planning. Yep. The I will People also have got include a little bit of three information d printed on how you're tracking to drawers pay down your debt, just that's magnetized a little calculation underneath from it.","start_word":5050,"end_word":5102,"intents":[{"intent":"Provide information","confidence_score":0.01526381}]},{"text":"The I will People also have got include a little bit of three information d printed on how you're tracking to drawers pay down your debt, just that's magnetized a little calculation underneath from it.","start_word":5068,"end_word":5102,"intents":[{"intent":"Include information","confidence_score":0.08498501}]}]},"sentiments":{"segments":[{"text":"Marcus speaking. Hi, Marcus. This is Jennifer from Oakview Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.13759246468544006},{"text":"Doing well. Thanks, Jim. That's good.","start_word":14,"end_word":19,"sentiment":"positive","sentiment_score":0.595643937587738},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay with you? Sure. Sure. Beautiful. And, Marcus, just to make sure I am speaking with the right person, can you please confirm your full name, date of birth, and address, please? Sure. It's Marcus James Madrid, twenty eighth to the fifth nineteen eighty six. And what was it that did you say address? Address. Address, Yep. Yes. 31 Morecast Road, Scarsdale please. 3351.","start_word":20,"end_word":108,"sentiment":"neutral","sentiment_score":0.0397714301943779},{"text":"Beautiful. Thank you so much for that. I appreciate it.","start_word":109,"end_word":118,"sentiment":"positive","sentiment_score":0.6032616496086121},{"text":"No I worries. am phoning to run through your annual review. Do you still Yep. have Yeah. Yep. We time can do that now. to I literally do just finished that up on a today? call.","start_word":119,"end_word":154,"sentiment":"neutral","sentiment_score":0.0493430458009243},{"text":"Fantastic. Perfect timing.","start_word":155,"end_word":157,"sentiment":"positive","sentiment_score":0.37668532133102417},{"text":"Okay. So what I'd like to start with, if that's okay with you, is just running through your personal situation and making sure that we have all the correct financial information, personal information on file. Yeah. Sure. And then we'll touch on your goals and objectives and go from there. I'll send you through a review pack for us to work through as well. Alright. So I just wanted to check with you. Your email address, is that still Marcusjc3@Gmail.com? That's right. Fantastic. Now I have you here as married to Britney. Is that Yep. still Still. Still? correct? Yep. Yep. Beautiful. And two children? Okay. Two children. Beautiful. The last notes we had was that they were four and three years old. And how old are they now? One is five, and the other one will be four in October. Wow. It's And do yeah. you I have mean, boys, girls, both? one of each. That is five. One of each. Oh, and what's their names? My oldest, his name is Wesley, and my Yep. youngest, her name is Rosalie. Mhmm. Oh, beautiful. Mhmm. I have a pigeon pair as well, so Nice.","start_word":158,"end_word":351,"sentiment":"neutral","sentiment_score":0.0649634816290177},{"text":"it's nice it's nice to have one of each.","start_word":352,"end_word":360,"sentiment":"positive","sentiment_score":0.7592076063156128},{"text":"Now I've got here Britney's number ending in 095. Is she still your next Mhmm. of kin? Oh, you have mentioned yesterday. Yep. Yep.","start_word":361,"end_word":384,"sentiment":"neutral","sentiment_score":0.056072719395160675},{"text":"I still have it Fantastic. now.","start_word":385,"end_word":390,"sentiment":"positive","sentiment_score":0.4020954370498657},{"text":"Yep. Yep. Yep. Beautiful. Well, briefly And I've got your occupation here as a network engineer. Is that still right? That's still it? Yep. Beautiful. And you work for Concentrix? Yes. It is. Yeah. Okay.","start_word":391,"end_word":425,"sentiment":"neutral","sentiment_score":0.08708684146404266},{"text":"Fantastic.","start_word":426,"end_word":426,"sentiment":"positive","sentiment_score":0.35706567764282227},{"text":"And being full time still, Mhmm. Yep. and how many hours on average per week would you work? If if you're not including any after hours, it's it's a standard nine to five. Yep. But, So it's usually, earlier. I I do two or three hours overtime every week. And do you get paid for that? Not as much as I used to. You get an overtime rate at all? Occasionally, if I do a weekend work, now is it Yep. they're all preferring to use toil or time Okay. and learn. So yep. Okay. Two to three hours per week, you said? Yeah. Yep. Alright.","start_word":427,"end_word":532,"sentiment":"neutral","sentiment_score":0.011823573149740696},{"text":"Beautiful.","start_word":533,"end_word":533,"sentiment":"positive","sentiment_score":0.34445738792419434},{"text":"It's nice to build out that time in lieu and have it as a little bit of a backup from time to time. Yeah. I I I usually have about three or four days worth. I Oh, never beautiful. get a chance to chance to use it. And and I and I made full days, like, you know, twenty four Wow. hours. Oh, wow. Oh, no. Mhmm. It sounds like you got a pretty hectic job. Just network engineer, most of the changes you do is not in production hours. It has to be outside hours. It's Yep. yeah. Of course. To minimize impact, of course. That makes sense. Yep. I've got your income down at 75,000 being your base. Is that correct? No. No. No. No. $9,090.93 or 94,000 now. And is that including super or that's Yeah. your Probably base? is, actually. It's probably including super. Okay. Alright. And last time, you weren't sure if you what your expenditure was per week or your savings was. Do you have Yep. any idea of what that would be now? As in how how much I've left over. Yeah. How much you're saving and how much your weekly expenses are? If in like, if you have that information. Yeah. For sure. Not off the top of my head, but savings go not much. Not much. Yep. That's No. okay.","start_word":534,"end_word":762,"sentiment":"neutral","sentiment_score":0.010523289336322695},{"text":"I wish wish wish I wish I was, but, no, it's That's things are rough.","start_word":763,"end_word":777,"sentiment":"negative","sentiment_score":-0.35366785526275635},{"text":"okay. That's okay. Yep. And Brit Yep. Yeah. so, I think you basically, get there quite your a bit. what's coming in is going out. Do you would you say? Yep. Yep. Too Is easy. Britney working No. as Four. well? Alright. Yep. Yeah. So she works Yep. four days a week. Yeah. Yep. Okay. She would do five, but if you do five, then you get less on re rebate for kinder, and Yes. then you might I as well not remember. work. Yep. I remember all that very Yeah. well. They It make it's it very difficult for families to get ahead, don't they? it's a dumb really Yep. dumb system where you essentially, if you if they want you to work more, they should pay you more. A 100%. 100%. Okay. So with your employment, are you just paid the standard 12%. For super? Yes. Yep. Yep. Do you have any kind of EBA arrangement with your employer? You No. would know. Not That really. what you would Yeah. know if I you did. I I would no. And I have here as your your principal places of residence is being valued at $7.50. Do you think that is still accurate? Last time it was valued, it came out nearly 800, but Beautiful.","start_word":778,"end_word":993,"sentiment":"neutral","sentiment_score":-0.03190424665808678},{"text":"things have started going down.","start_word":994,"end_word":998,"sentiment":"negative","sentiment_score":-0.5651986598968506},{"text":"So who knows? Yeah. Yeah. It's like that, isn't it? Yeah. And what do you know what the mortgage outstanding on it is at the moment? Yeah. I think it's 4 Beautiful. And, previously, we had a car here valued at $38,000 with 20 no debt. Is that still right? five. Mhmm. Yep. I mean, it it's probably not $30,000 worth now, but, Yep. yeah, that's that it wasn't the time. That's just my Ranger. Yep. Okay. I had it at thirty eight. Do you did you say Yep. thirty? Thirty eight. It would it it was it was 38. It's probably about 28 now, I guess. I don't know. It's it's it's it's over 200,000 kilometers on the clock. So Okay. Yeah. That's okay. someone might want more for I don't know.","start_word":999,"end_word":1131,"sentiment":"neutral","sentiment_score":0.000946253538131714},{"text":"They're a nice car.","start_word":1132,"end_word":1135,"sentiment":"positive","sentiment_score":0.5686318874359131},{"text":"Any other cars that you have? Did I own? I wish. No. No. That's one's one's enough, and the way the rego works in Victoria at the moment is is it's it's enough. Is it expensive? Is Well, it was more. They dropped it a little bit, it? but it's all being privatized now. So now it's what? Just show us 700 Oh, wow. a year. Well, It used you to be up to 8 you 90. wow. Does that include the CTP insurance? Or is that No. That that's just yeah. straight thick roads. And Yep. because it's a it's a u so with with with cars, they allow a quarterly payment, Yeah. but utilities is straight up. You're not allowed to do quarterly. Yeah. Yeah. You have to pay in full. It's exactly the same time I get my taxes done. When I get my new tax, and then I get that, and it goes away, and I look at nothing.","start_word":1136,"end_word":1298,"sentiment":"neutral","sentiment_score":-0.08798724412918091},{"text":"Well, don't move to New South Wales because I can assure you the rego is a lot more expensive.","start_word":1299,"end_word":1317,"sentiment":"negative","sentiment_score":-0.3657345175743103},{"text":"Oh, okay. Well, it's good Yep. to know. I had a I also have a credit card here previously of $5,000 outstanding. Is that accurate, or is that increase, decrease? Decrease is about $2 on it left now. Yep. And what's the limit? I think the limit is is five. Yep. Okay.","start_word":1318,"end_word":1369,"sentiment":"neutral","sentiment_score":0.015593214193359016},{"text":"Fantastic. Lovely.","start_word":1370,"end_word":1371,"sentiment":"positive","sentiment_score":0.6391686201095581},{"text":"Do you have any other assets and liabilities? I I I don't know really what's counted apart from the lawn mower and a a generator and the Jenny shed. That's pretty much it. I don't own that much. Yeah. Yep. What's Do you have needed, any really. savings? Do you have any savings? Nope. I I I I did a few years ago. Yep. It's kind of a white now. Children will do that too. Children and then just everything going up. The Yeah. Yep. I think that I think Cost that of living. wiped everything out. Yeah. Yeah. Was No. it That's someone someone did a review the other day. Currently, what we're on today is less than what we're on in 2020. yeah. Yeah. So That's insane, that pretty isn't much killed it? it. Yeah. Yeah. Oh, just a bit of a hairy question. Have you ever been declared bankrupt at all? No. Thank Nope. Nope. And for are you still a nonsmoker? god. Yeah. Yeah. I'm Yep. not gonna smoke. Beautiful. And do you have private health insurance? I do. And who's that with? A h m. A h, Jim. Fantastic. And I've got your weight here at a hundred and twenty seven kilos. Would that still be correct? Yeah. That's fine. Yep. Yep. Fantastic. And just with estate planning, I noted that you just said you do have a will previously. It was completed about seven years ago. Is that still I reflective probably of need your to update it, but, yeah, I Yep. wouldn't really change it. Probably more just the fact that the kids in now, but otherwise, Yeah. Okay. no.","start_word":1372,"end_word":1648,"sentiment":"neutral","sentiment_score":-0.04422260448336601},{"text":"It's it's still fine.","start_word":1649,"end_word":1652,"sentiment":"positive","sentiment_score":0.3692992031574249},{"text":"So seven years ago, it would have been to Britney anyway? Yep. Yep. Okay.","start_word":1653,"end_word":1666,"sentiment":"neutral","sentiment_score":0.043406371027231216},{"text":"Beautiful.","start_word":1667,"end_word":1667,"sentiment":"positive","sentiment_score":0.5881738066673279},{"text":"Alright. And you don't and it says, do you have a power of attorney? You've previously said no, but do you know do you know what a power of attorney is? Yeah. No. I'm a power of attorney. I haven't really thought about it too hard, but it would probably be yeah. No. I have to think on that. Yeah. Yeah. Okay. So are you and you don't have one No. No. I don't have documented. So I think it just falls default at the moment. on goals just Yeah. to go through your goals a little bit, the ones and see where you're tracking or whether they're still relevant from the last time you had your review. Mhmm. One of your goals that you stated was a high priority was to focus on building up your savings and paying down the mortgage as much as possible. Yep. Is that still a high goal for you? Yeah. Do you yeah. Do I do would you love to retire and not have a mortgage, have but who knows at the moment? yeah. No. That's absolutely fine. Are you making additional repayments to your Yeah. So I I Mortgage? we we all add extra on top, so there's there's a buffer. Yep. Okay. How much are you adding per What's that? week? What's that? At the moment, it's about an extra for for me, it's about an extra $60.80 dollars. True. Yeah. That's Extra. Really? And does Britney add any extra? No. No. She No. she's pretty much what she's got covers for the pay for kids at at childcare. Yeah. And I No. pay That's fine. everything else. That's Is fine. Do you know what the minimum it really? repayment on your mortgage is? I think at the moment, it's up to about $6.70 a week. $6.70. So you do an Yeah. extra 60 to 80 on top of that. Yep.","start_word":1668,"end_word":1987,"sentiment":"neutral","sentiment_score":-0.006801906507462263},{"text":"Beautiful.","start_word":1988,"end_word":1988,"sentiment":"positive","sentiment_score":0.4518797993659973},{"text":"Just gives me a bit of an idea of we can run some calculations kind of thing to see how quickly the house will be paid off at that rate for you, doing those little Yep. bit of extra contributions. And and it's principal and interest payments, so it's not not PNI. not just Yep. interest. Yeah. Do you know roughly off the top of your head how long's left on the term of the loan? I think it's twenty twenty five years. Yep.","start_word":1989,"end_word":2072,"sentiment":"neutral","sentiment_score":0.04755384847521782},{"text":"Fantastic.","start_word":2073,"end_word":2073,"sentiment":"positive","sentiment_score":0.5281593799591064},{"text":"Alright. That Because can I help had us I had had twenty eight years when we did the refinance, and I I didn't reset it back to thirty. So I said, no. No. Keep it as it kinda is. okay.","start_word":2074,"end_word":2113,"sentiment":"neutral","sentiment_score":0.08148845285177231},{"text":"Fantastic.","start_word":2114,"end_word":2114,"sentiment":"positive","sentiment_score":0.519932746887207},{"text":"Alright. So would it be building up your savings more or paying the mortgage off as because they're kind of two goals in one. Yeah. Probably paying the mortgage off is is is much more important. Yep. Alright.","start_word":2115,"end_word":2152,"sentiment":"neutral","sentiment_score":0.13315214216709137},{"text":"Beautiful.","start_word":2153,"end_word":2153,"sentiment":"positive","sentiment_score":0.488056480884552},{"text":"And you wanna make sure you and and ideally be debt free by retirement. Yeah. Yep.","start_word":2154,"end_word":2169,"sentiment":"neutral","sentiment_score":0.2246832251548767},{"text":"Beautiful.","start_word":2170,"end_word":2170,"sentiment":"positive","sentiment_score":0.3467438817024231},{"text":"Ideally. Until So the government starts factoring in the houses and asset earned against getting a pension, and then, you know, well, then I'd be fucked. Must hopefully be Australia. not. Hopefully not. With retirement, do you still see that as being 67 years of age? Probably. Yeah. Unless Yep. things drastically change, that's that's about Yep. And you'd previously said 600 a week there. for living expenses. I'm assuming that would be debt free. Is that $600 a week on Yeah. today's doll in today's dollars? Honestly, Or I would haven't you need thought about it. yeah. That's alright. Heart heart hopefully. Yep. That's okay. Would I that mean be for you and Britney or just for you? sorry. Go on. Would that be for you and Britney or just for you? That would probably be for both of us. If if we didn't have a mortgage, Mhmm. then that would be fine. Yep. Okay. The sorry. You the other note that I had here is that you wanna leave behind a legacy for your children. I guess probably to explore that. What do you mean by that? Just that they were looked after. Yeah. That Yep.","start_word":2171,"end_word":2368,"sentiment":"neutral","sentiment_score":0.010866341792573833},{"text":"that that that they have there's a a fairly decent asset left behind whether they wanna live in it or sell it and Yep. and have the the proceeds go to their own homes.","start_word":2369,"end_word":2402,"sentiment":"positive","sentiment_score":0.3644615113735199},{"text":"It's up to them. Yep. So is it more from an estate planning perspective? Yeah. Yeah. Yeah. Yeah. Just Yep. making sure that there is is debt free as I can get them a start in life because nothing worse than me starting behind. Yeah. Yep. Alright. No worries. Okay. So with that, the estate planning side of things, I note that you said you have the will, and it's going to Britney, so that's absolutely fine. Yep. If you wanted to there's many different structures within an estate within a will, especially for minor children where you can set up testamentary trust so the funds are secured for them till they reach a certain age as a lump sum, or, alternatively, they can have an income if they need to. It depends on how you will set up, etcetera. So it's probably Yep. something worth looking at Yeah. and reviewing, especially now that you've got young children. Because if something was to happen to both of you as well, there are things like guardianship and what happens with the money that needs to be considered. Yeah. Because That's it's true. not just Alright. it's not just the house. Like, we're looking at your super balances, Yeah. Yep. insurance benefits. So there usually, there is a a decent amount of money there that needs to be taken care of for the children.","start_word":2403,"end_word":2634,"sentiment":"neutral","sentiment_score":0.09962014108896255},{"text":"So I definitely recommend that you review your will.","start_word":2635,"end_word":2643,"sentiment":"positive","sentiment_score":0.3749361634254456},{"text":"Probably also Britney also Yeah. from Yeah. I'll a I'll I'll yep. we'll go over it together. Yep. Yep. And I'd definitely look at an enduring power of attorney. Now what that and formalizing that. So each state has their own laws in relation to it, but the general consensus of a power of attorney is that you'll you'll nominate a person or people Yep. to be able to make decisions for you if you're unable to in the for health and financial reasons. And you you might say you might pick someone for health and someone for financial, and it could be you know, if it will it'll come into effect if you're deemed as not being able to make decisions for yourself, and a doctor states that. So just because Britney is your This is your Hector. spouse, Yep. yeah, for an example with us is if Brit if something happened to you on Britney phoned, we'd not be able to talk to her. If your bank accounts are in your personal name and Britney is not a joint account holder, she's Yep. gonna have no way of being able to access the funds to pay for any care that's needed or medical bills, etcetera. So they're really Right. important documents to have in place. Okay. Yeah. I'll I'll I'll get So those. yeah. So what I can do for you, we do have a professional partner that we work with. We've got a brochure. Do you want Yep. me to send that through to you so you can both have a look at it? Yeah.","start_word":2644,"end_word":2911,"sentiment":"neutral","sentiment_score":0.0189934835435628},{"text":"That would be great.","start_word":2912,"end_word":2915,"sentiment":"positive","sentiment_score":0.4947683811187744},{"text":"And then from there, if you decide that that's something you wanna pursue, we can get you in touch with them.","start_word":2916,"end_word":2936,"sentiment":"neutral","sentiment_score":0.27933788299560547},{"text":"I believe it's very affordable, the way that it's it's priced.","start_word":2937,"end_word":2947,"sentiment":"positive","sentiment_score":0.5622429847717285},{"text":"So Mhmm. definitely something to keep in mind. And then your beneficiaries for your superannuation and your insurance, they all go to Britney anyway. Yep. So, again, it might be worth talking to a lawyer when you do go down the path of an of doing your wills. They might make a recommendation that it's directed to your estate and then distribute it to trusts for children and your wife, etcetera. So or your your spouse. Sorry. So, yeah, it that may change a little bit. But for the moment, your beneficiary is Britney. Okay. Yes. Okay. So I'm just gonna quickly send you an email. Do you have access to your emails at all?","start_word":2948,"end_word":3062,"sentiment":"neutral","sentiment_score":0.07083799281845922},{"text":"Beautiful.","start_word":3063,"end_word":3063,"sentiment":"positive","sentiment_score":0.6188195943832397},{"text":"You're gonna get an email from me in a moment that will come up as o Odoo sign. Sure. That is gonna have a box on there where you can click sign, and it will bring up a bunch of documents. And this is our review pack. Okay. We within that we're gonna run through the details within there Yep. and all the documents, I should say, sorry, within that pack. And it's based on your current position and where we're sitting and what we're looking at in relation to your super insurance.","start_word":3064,"end_word":3156,"sentiment":"neutral","sentiment_score":0.1304757297039032},{"text":"So Sounds good.","start_word":3157,"end_word":3159,"sentiment":"positive","sentiment_score":0.4536525011062622},{"text":"let me know when you've got those documents open.","start_word":3160,"end_word":3168,"sentiment":"neutral","sentiment_score":0.19312620162963867},{"text":"Beautiful.","start_word":3169,"end_word":3169,"sentiment":"positive","sentiment_score":0.414905846118927},{"text":"So the first document there should be a summary of your super insurance policy. So you're with net Netwealth, your balance is 113,750 Yep. six rounded up, and you've got your life, TPD, and income protection through ClearView. The insurance premiums for those are funded through your Netwealth super funds. I'm gonna go somewhere So I then, but I thought that was I that think the note. first I'm question for myself is in relation to your gonna life go. keeping it in income protection, Mhmm. are you comfortable with those levels of cover? Do we need to look at increasing I think I'm still okay them? with those. I mean, Yep. the the life would cover the the house Mortgage? Yep. mortgage. Yep.","start_word":3170,"end_word":3293,"sentiment":"neutral","sentiment_score":0.03749778121709824},{"text":"And then I'm pretty happy with those.","start_word":3294,"end_word":3300,"sentiment":"positive","sentiment_score":0.3735193908214569},{"text":"And I'm pretty sure they're grandfathered as well. They are correct. Yep. Yep. So with the if Britney were if something was to happen to you, and I'll use yesterday as an example because we know it didn't happen, With income wise being debt free, would she be able and your income now ceased, would she be okay financially? I think she would be able to get by. Yeah. Yep. Yep. Okay. Alright. No Alright. worries at all. And I'm not sure. The other item I just wanted to check on there was with the risk protection plan. There's a policy called trauma in place or that you don't have it in place at the moment, but it covers a preset list of defined conditions that should you be diagnosed with or pays a lump sum. Typically, a trauma policy is designed to in most cases, it's not a terminal condition. It's something that you're probably medically gonna have to fight, be off work for a period of time, have some out of pocket medical expenses, and a trauma policy is designed to cover you for that. So an example common examples of conditions are several different types of cancer, heart attacks, strokes, some neurological conditions. And once you meet a a claimable definition, you get paid a lump sum tax free. So Okay. the flip side of it is is that it is funded through your personal cash flow. It is not funded through superannuation. So Right. it is it's a gap that you have in your risk protection portfolio, Mhmm. but I just wanted to bring it to your attention to see if it is something you wanna investigate further and understand that it is it would be payable from your personal cash flow. Yeah. We'll probably leave it for the moment until things slowly improve. Yeah. That's okay. Of of course. The next document over will be the twelve months return document Yep. performance. Sorry. I lost my train of thought there for a second. As so have you got looking at the twelve month one or the six month one? Because I'm just not sure of the order it's in. I think I'm looking at the the twelve. Twelve month. Yep. Yep. Yep.","start_word":3301,"end_word":3677,"sentiment":"neutral","sentiment_score":-0.03344254735214957},{"text":"So the twelve month one is a little disappointing.","start_word":3678,"end_word":3686,"sentiment":"negative","sentiment_score":-0.6270275115966797},{"text":"You'll see right down the bottom on the first page, you'll see that the net return.","start_word":3687,"end_word":3702,"sentiment":"neutral","sentiment_score":-0.3153650164604187},{"text":"So after fees and expenses is negative 1.63%.","start_word":3703,"end_word":3710,"sentiment":"negative","sentiment_score":-0.3762604594230652},{"text":"Now the reason for that and I had a look previously. You've moved Anyway. out of the Bennelong. You had a chat earlier this year to get out of the Bennelong Australian Equities Fund, and that has still had an impact on your policy because on your policy on your portfolio as it was still in there for the time being. So if you look at the one, two, third one down, the Benelon Australian equity fund, you'll see that the negative return was negative 23.","start_word":3711,"end_word":3796,"sentiment":"neutral","sentiment_score":-0.2667114015581996},{"text":"66. So that's had this that's the effect of your portfolio over the last twelve months.","start_word":3796,"end_word":3811,"sentiment":"negative","sentiment_score":-0.4671901166439056},{"text":"You'll see that you're no longer in that. We've moved you out to the BetaShares Australian ETF, which is performing at a much more stable rate. So we we give you the twelve month one because that's obviously what we're talking about, the previous twelve months. But if you go to the next document, you'll see your portfolio for the last six months and how it has begun to recover post post the removal of the Ben along Australian Equities Fund. So the return for the last six months is 5.43% net of fees. So it is starting to come back. Yep. Yep.","start_word":3812,"end_word":3914,"sentiment":"neutral","sentiment_score":0.08236336708068848},{"text":"And it sits within that because you're currently invested as a high growth investor, and it's it's sitting right in between that what would expect a return of that portfolio, a high growth portfolio sitting between eight to 10% per annum growth of fees.","start_word":3915,"end_word":3958,"sentiment":"positive","sentiment_score":0.3672854006290436},{"text":"So, you know, six months in, you're already tracking towards that.","start_word":3959,"end_word":3969,"sentiment":"neutral","sentiment_score":0.27424976229667664},{"text":"So we expect to continue to see that stabilize.","start_word":3970,"end_word":3978,"sentiment":"positive","sentiment_score":0.41577109694480896},{"text":"And in regards to your other investment options on the six month one, you'll see that gold has had a little bit of a a dip recently in the within the last six months because it was performing very well. Even though it has it is it it has underperformed in the last six months, it's not something that would necessarily look at replacing. It is a volatile type of asset that does move up and down. So, yeah, we wouldn't typically look at replacing that as yet. It's not a a concern for us at the moment, and the rest of your portfolio is performing quite well. You've got a fair bit of exposure to the international market across several different countries and continents, and they're all, different countries and continents, and they're all performing as we as we see fit. The next docu the net any questions so far with those those that little bit of information? No. Not not Information? not question. No.","start_word":3979,"end_word":4144,"sentiment":"neutral","sentiment_score":0.01060891878533076},{"text":"Beautiful.","start_word":4145,"end_word":4145,"sentiment":"positive","sentiment_score":0.34424924850463867},{"text":"The next document is the Vanguard index chart. Now the reason why I like this document is that it gives us a little bit of a visual to refer back to what we just spoke about. So being a high high growth investor, we'd say you invested it typically 90% in growth assets, 10% in defensive. Those first top sorry. Those top four on the right hand column, US shares, Australian shares, international, and listed property, they're your growth assets. So that's where we expect to see 90% of your super funds invested in Australian bonds and cash. Now the you will see the volatility and the fluctuations in the growth assets. And the reason and the in the growth assets. And the reason and, you know, there's various reasons why. You can look across the top at the the little black writing at the top that gives you significant areas of or significant events and how the market reacted to those events. But you'll also see with a high growth investor, we would say if you're if you're happy to remain invested within that profile, you need to be invested for a minimum of eight years because that allows you to write out the fluctuations. So given that you've got twenty years to access super, you do have time on your side to be able to withstand the volatility should you be comfortable with it. So Okay. that's just how it's a nice little tool to show, like, in the long term, you can it's quite profitable, but there are periods of downturns, and there does need to be an understanding and a level of comfort with that. The next document over is your MetLife oh, sorry. Your ClearView certificate of fee. It's just showing you what your current levels of cover are, what the cost is, and that it's paid through your super fund. The next document is your financial services guide. Now this is a document for you. It just tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the types of advice we provide and how we provide it, our fee, and if you're unhappy with any of our services, the process to lodge a complaint. So it's a it's a document that is accessible on our website. If you lose it in here, it's you'll find it there. The next document, is that your net wealth advice fee consent form? Yep.","start_word":4146,"end_word":4560,"sentiment":"neutral","sentiment_score":0.11221687734486108},{"text":"Beautiful. Okay.","start_word":4561,"end_word":4562,"sentiment":"positive","sentiment_score":0.4560032486915589},{"text":"So every twelve months, once we do the review, we check-in, perform a review sorry. Every twelve months, we check-in, perform a review, and make sure that you're happy to continue may remaining a client of Oakview Financial. Now Yep. the the amount this fit this form's very small, but in the third heading down, there's one saying you will pay the following ongoing fee from your account in your net wealth fund, and it's a $6 amount fee of a $164.33 per month. So if you wanna if you are comfortable to continue being a client with Oakview, we'd ask that you sign that. You can do that electronically through this form. And I to give you full transparency, that annual fee works out to be $1,972 a year rounded up. The the services with that is that, obviously, you'll get your planned and your review every year. But if there are any other ad hoc conversations you need or an additional review or anything like that, you're not limited by just your one review a year. You just pick up the phone, shoot through an email, and we'll be in contact and and sort out what you need. Pretty much what I've been doing so far. No real change. 100%. Yep. Yep. Yep. Exactly. And then the last document is your tax file number authority. So we just ask you to sign that to confirm that you approve that we hold your tax file number on record. The purpose of doing that is that we've provided it to Netwealth in the past to ensure that your super fund is not overly taxed. And for privacy reasons, we just require your signature to say you're happy for us to maintain that number for that Yep. reason. So they're the two documents that do require your signature. No worries. Do you have any questions about that? Yep. No. No questions. No. I just just finished signing it then, so it should be down on your side. Oh, you're very quick.","start_word":4563,"end_word":4902,"sentiment":"neutral","sentiment_score":0.15844156856046004},{"text":"You're very quick. Thank you.","start_word":4903,"end_word":4907,"sentiment":"positive","sentiment_score":0.512552797794342},{"text":"The last Okay. thing I just wanted to touch base on about is your risk profile. Now we have any the last time you completed a risk profile, you came out as a growth investor, which is typically an 80% allocation to growth assets and a 20% to defensive, but you elected to go a high growth investor being ninety ten as we've already discussed. Yep. Did you wanna complete that risk profile again, or you are you happy and comfortable maintaining that high growth risk profile? I think I'm happy. Yeah. You Yeah. think? Yeah. I think so. Yeah. Look, I I'm just trying to make as much as I can while I'm working. So Yep. Yeah. Of course. Of course. Alright.","start_word":4908,"end_word":5030,"sentiment":"neutral","sentiment_score":0.07606695592403412},{"text":"Fantastic.","start_word":5031,"end_word":5031,"sentiment":"positive","sentiment_score":0.38900917768478394},{"text":"Well, I have a I will my action items here is to Yeah. send It you is. Yeah. And do you know what we came some here information for? Accessories on the that's. estate planning. Yep. The I will People also have got include a little bit of three information d printed on how you're tracking to drawers pay down your debt, just that's magnetized a little calculation underneath from it. the Asset Money Smart website I just to haven't give got you a them little yet, idea but I've of been where looking you're at. at them on top of But that before. Sure. at the moment, unless there's anything that you Or need even just me the to look at specifically or you need any any advice on, I feel like we might be able to touch base again depending on your your request I'm fine annually.","start_word":5032,"end_word":5180,"sentiment":"neutral","sentiment_score":0.056019969284534454},{"text":"I think annually is great. It's it's not since not long since I dropped my my my tax returns or chasing up on the super stuff, it it makes sense to coincide. Yep. Fantastic. Alright.","start_word":5181,"end_word":5215,"sentiment":"positive","sentiment_score":0.4472326636314392},{"text":"So No I thought worries I'd at speak all. with that. Well, Marcus, I will make sure all our details are It's updated. probably about And if you have any questions or concerns or anything that comes up in the meantime before your next scheduled review, please reach out.","start_word":5216,"end_word":5264,"sentiment":"neutral","sentiment_score":0.12975454330444336},{"text":"And thank you for your time. Thank you very much, Shannon. You have a great day. You too.","start_word":5265,"end_word":5282,"sentiment":"positive","sentiment_score":0.739450216293335},{"text":"Alright. Bye Bye. now. Bye.","start_word":5283,"end_word":5287,"sentiment":"neutral","sentiment_score":0.18659405410289764}],"average":{"sentiment":"neutral","sentiment_score":0.047318534579291784}}}}