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Comes with a lot more bills. But it's no. It's been really good. It's nice to have your your own place, which is nice. Yeah. And how have you been? Yeah. I mean yeah. Just because, obviously, like, inflation and prices and or is there anything specific that's happened? Do some renovation. Yeah. And you install some solar panels as well? Yep. Perfect. Hopefully, did they say, like, the turnaround time for when they think they'll start, like, saving and stuff like that as well? No? Yes. At least solar will be good in hopefully saving a bit on the electricity. Yeah. Yeah. We have solar in our house as well. And with the the bills, especially during the day, like, in summer and stuff, if it gets really hot, it barely costs anything. And I and I try to be mindful of, you know, doing washing and dishwasher and everything like that during the day, even on, like, the weekend and stuff to try to bring down the cost as well, which is which is helping. So, hopefully, that will start make making a bit of a difference for you as well. Yes. Yes. Yep. And being young, it can be a bit more expensive too as a young male, potentially. Yeah. Yes. Yes. Very much so. Oh, yeah. See see how it goes. Yeah. Now, Connie, did I ever send you a a bit of a cash flow and budget last time, or do you think that will be something that would be helpful for you? Yep. Okay. That is probably most people to be fair are the same. So what I will do and, again, there's no pressure. You can take your time. I do think it's usually a good way. I think it's good for anyone through kind of and, often, once you start getting a bit of a, you know, tracking on spending and where things go, it's then easier to be like, okay. Well, maybe I can cancel this subscription, or I might not need this, or maybe I can reduce a little bit here and there depending on, you know, obviously, bills and expenses like that. So what I will do is I will just send you by email. It is an Excel workbook. It is just like a a template just a general template for cash flow and budgeting, and it is a good starting point. And it is pretty self explanatory as well. You can put in as much or as little, obviously, depending on the household. And it is a good way to get started on kind of tracking everything. And then we can always work together that if it is that you completed and you don't really know what to do or if there's area where you struggle, you can always just let me know. We can always book in a catch up and go through it to be like, okay. Is there any areas we can, you know, change things a little bit if it is making it hard cash flow wise with expenses? If you are on top of everything, I still think it's a really good good thing for everyone to do at some point because it gives you more awareness of things. And I, like, I think it helps me as well. I budget quite a bit, and I think it's really helpful, but I recommend it to all my friends as well. It is a good just, like, awareness. So even if it's like you're in a really good position, it's still good to be like, okay. Well, maybe I'm spending a little bit more in this area or, you know, maybe I have a little bit of extra. Okay. What do I wanna do with that money? So it is a good thing to do, but there's no obviously time. So I will email that to you. And then whenever you have a moment, if it is something that you want to do, then have a have a go at completing it through best of your ability. And then you can always email it back to me, and we can always book in another catch up to run through it if you would like. So but, again, obviously, no pressure on time. It's just when I know life gets in the way all the time. So just whenever you want to, if it is something that would be helpful. Yeah. Mhmm. Now, Connie, what I have done, because this is your first annual review as well, is that I have just sent you an email with some documents to run through today if you have the option of accessing your email. Is that something you have access to or not really? Just later. I just wanna run through it with you first just to make sure sure you're happy with everything and you don't have any questions. Then I'll ask you to do it, but I'll just run through it with you first just to make sure, you know, you are happy with everything before I do get you to sign it. Mhmm. Percentage stays exactly the same. There is no change because it's a percentage of your balance. As you'll see if the balance goes up, it will naturally go up, but the percentage, so that 1.65, that stays exactly the same. There's no increases or anything like that to it. Yeah. Now before I do jump into those documents, I will run through a bit of an updated fact find with you, Connie, just to see if there's anything major that's changed in your life that will require us to update and make potential changes to the advice. So just bear with me as I go through these questions. And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes? Yep. Perfect. And even though I can hear that it is you, just for security purposes as well. Yes. Yep. Perfect. You know the drill. That's good. Now has anything changed in your personal life? I have you down here marital status. Obviously, single with one financial dependent. Yep. Perfect. Now I did realize here that, excuse me, we don't actually have a next of kin on file for you. So that can be anybody, and it's just in the event that we can't contact you who is someone that we could call, and it's only if we can't get in touch with you. Okay. Yep. It can be okay. That it can it can be anyone. It can be family. It can be a good friend, sibling. It can be anybody, because this is just a a yes. Of course. You can. What are what are their name? Yep. Yep. And last name? Do you know? Oh. Yep. Yes. Perfect. And phone number? O four zero four. Yep. Three four four. Yep. 289. Perfect. And that's exciting. Yes. I do I'd I I thought sorry. But just for security, I just wanted to make sure we have the same the same number. But that's very exciting with the wedding. Is that is it local? Yeah. Oh, well, hopefully, the weather yeah. Well, hopefully, the weather will turn out nice because we're rain raining a lot here lately. So so I'll just note just let her down just as a next step. Kin, and, again, it's only in the event that we can't get in touch with you. She doesn't have to do anything. It's just just, yeah, for some reason if we can't. Now has anything changed with your occupation? Are you still working at the hospital as a nurse? Yep. Perfect. Perfect. Now with your income, I know, obviously, it fluctuates roughly fluctuates. But I had down around the 80,000, and then last financial year, it was around 110. Do you know roughly if that's the same or has it changed? Still the same. Okay. Perfect. When it comes to savings, I think I have here about 225 a week. Does that sound about right? Went like a a weekly savings. So how much money you put aside after bills and expenses? Yeah. Perfect. Now still same arrangement, obviously, with your contributions. I had a look at your salary sacrifice as well. It's gone up about $4 a fortnight, so that's good. So I'll update that. With your assets, so I have here your property was last valued at about 650,000. Do you know if that's gone up a little bit or if it's changed? No. That's okay. Mortgage, you have about 217. Does that sound about right? Oh, that's perfect. That's good. I'll update that. You also have the the motor vehicle, the Honda at about 12,000. Oh, no. Goodness. You're you okay? Yeah. Yeah. Okay. Well, that's good. I'm glad. Oh, jeez. Well, I'm glad you guys are okay. Did you get perfect. And do you know how much it would be worth or how much you bought it for? Okay. Perfect. Yeah. No. That's perfect. And you don't have any, like, payment plan or anything on the car? No. Perfect. Oh, that's good. I also have here that you have an offset account of around 56,000. Yep. And then 10,000 in an emergency savings account as well. Perfect. Now do have any other new assets, like, the last twelve months? Any motorbikes or boats or anything else? Yeah. Maybe if you win the lottery. Yeah. And aside from, obviously, the solar, do you have any other, like, personal loans or credit cards or anything like that? No. Great. Okay. Perfect. Do you know when it's kind of due to start? Okay. Yep. And then probably shortly after that. Now health and lifestyle wise, still a nonsmoker? Yes. Oh, I'm the same. Yep. No. I'm the same. Any other changes to your health otherwise? Any new medications or any any other issues or anything? No? Oh, beautiful. That's good. Just for general kind of health and well-being. Yeah. Oh, that's nice. And, Conner, do you have private health insurance? Yep. Perfect. Yep. Great. Now when it comes to estate planning, I have here that you you have a will in place. And last time we spoke, you kind of had it recently updated. Does that ring a bell? Might be a while. Do you think it needs updating, or has nothing really major changed? No. Okay. Perfect. Now when it comes to your superannuation and your insurances, I do have here that you have Hayden nominated at a 100%. That's correct? Yep. Perfect. And are you involved in politics as well? Are you politically exposed by any chance? No? Perfect. And do you earn any income overseas at all? No. Nope. Perfect. Now that was basically all of those personal details I needed to go through. And, otherwise, what we do kind of focus on and set for the next twelve months is just some goals that you are working to with, and then we can kind of help together working on them. And then next under review is a good kind of checking point to see, well, how did you went with those goals the last twelve months, or if anything has changed. So for the next twelve months, is there any goals that you are working towards? Now it doesn't have to be just financial. It can be personal goals or wanting to do some travel. Is there anything that you have that you would like to focus on in the next twelve months? Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Just No. That's okay. And aside from from that, are you still kind of just focusing on gradually paying down the mortgage otherwise? Is that still kind of a goal? Yep. Mhmm. Yep. Yeah. Just kind of a secondary. Mhmm. Mhmm. At Self Note Superfund? Yes. And with the self managed super fund, there is a lot of there is a lot of talks around it. And for some clients, it can be great. It's not for everyone. And I have seen, yeah, and I have seen more self managed super funds being closed down than. And a lot of it is because it's very complex to run. There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like. But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant. You will have to have, like, an accountant to do all the auditing and and stuff like that. So it is quite complex, and it's a lot more costly than your traditional superannuation. Most people go down the self managed super fund because you want to buy an investment property, or they have, like, a couple who joins their superannuation, and they have quite a lot of money in there that they want to buy a property and also have an investment portfolio and stuff like that, which it can be really great for. Often, when I look at it, a lot of the cost and fees are very high. And then you also have to worry about, okay. Well, if I put it in a property, is everything into that property? So if I need to draw some money out, everything's locked into the property, it will make it a bit difficult, and, you know, everything is into one asset. So if something were to happen to one particular asset, it's obviously a lot higher risk of something fluctuating than the way that things are structured at the moment where you have, you know, money in a lot of different different things. So if something happens to one thing, you have other things to kind of balance it out. And with ASIC as well, so they say that to even make it kind of worthwhile just from a fee point of view, and it's not necessarily a property, just from a fee point of view in regards to a self managed super fund. They don't suggest anyone under 250,000 for self managed super fund, and some industry experts even says closer to 500 from a fee point of view. So if if the goal is adjust my property, that is an avenue to explore. If the goal is to grow it as much as you can, have as much money as you can, and then draw an income from your superannuation between obviously now and when you want to retire, it's not always the best avenue. So it kind of depends on everyone's situation, but I'll make a little note that, you know, it's something that maybe you want to explore through time. But I think right now from where the super balance is, I think the fees would be too much to warrant to warrant to warrant it. But if it is something that you are, like, very adamant about or you call me like, no. I do really want it, then we do have the capacity to do the research and stuff like that. But it is a lot more costly. Okay. Good. If it is that you change your mind, though, you know, just let me know, and we can know it's explored. But I think from, obviously, your goals and where things are at, I don't think it's the right avenue right now. So yes and no. It is it is a good investment because it's more of your defensive investment. But at the same time, the prices are so high at the moment that if you are buying it now, you've kind of also lost a little bit of that growth because it's it's very, very high at the moment, which is great if you bought in early. So in your superannuation, we we have gold we have gold in your superannuation as part of your portfolio, which is great. So you already have a bit of gold included in that. If you are buying a lot of it now, it's you know, the prices are quite high. Mhmm. And then, also, you'd wanna make sure you're not true what what the goals are, or you don't wanna be too concentrated into the one area, and if if it's a matter of drawing income and stuff like that. So we do have some clients who just wants to go invest a little bit themselves, which is obviously perfectly fine. If it is specific, you know, research reports and stuff like that, we have access to all of it. I'm more than happy to send you everything. But, ultimately, it's also thinking of it from from a whole holistic point of view that, you know, if how much do you wanna invest? Where do you want that money to come from? If you want it from emergency saving account, for example, then that will if something were to happen, you don't have that, and then you're locked into gold. And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that. So it it's not like, gold as as itself is a very good defensive investment and is a good base to have to it portfolio, but it also has a place. And like I said, right now, it is quite high. So then the thought is also, okay. Well, do you want to buy it now when the prices have increased so much already, or is it you know? But yes. Yes. Yes. Yes. Correct. Yes. Yep. Yeah. Which is a perfect which is a perfect question, and it's very valid. And I do wanna potentially I would like to do a bit more research and and see if we wanna swap some things out. But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio. It shows you what's happened in last twelve months and fees and the different investments. So do you have access to that email? Now before you before you click on the link where it says to sign, it should show you a couple of different attachments first. Can you see those? Yeah. Yep. Now to make it easier for you, you can tell me which order you have the document so we can go through it that way. So what do you have first? What can you see? Yes. So I won't get you to open that one and the financial services guide because it's one of those do you remember that, guide when you came in for your initial consultation that we went through that had our photos and you had the oak tree and, you know, the service, the one that you took home, with you. Yeah. So it's just an updated version of that one for you. So we've had a bit of an extension to the team, which is nice. But when you have a moment, have a look through them. We've had a bit of an we've introduced kind of marketing material as well. So you'll see it has a little bit of a revamp to it, which is nice, and you will see a a bigger extension to our team. Otherwise, it is quite similar to the the old one. It's just an updated version. So all that information is there if you do wanna have a read over it. But it's quite long, so I won't go through all of that with you again. Now what's the next one there for you? Okay. Yep. That one is very similar to that one again. We just have two two copies. One's a smaller version, so I'll get you to skip that one as well for me. And then which one do you have? Yes. Yep. If you can o yep. If you can open that one for me. And let me know. Yep. So this one here, it breaks down your insurance in in quite a lot of detail, but it basically gives you a breakdown of your insurance policy. So it shows you your your life insurance, your total permanent disability, the income protection, the trauma. It shows you everything, and also that everything is paid up to date. So with your Neos insurances, you do have let me just see here if I get it loaded. For your life and total permanent disability, you have that 250,000 lump sum for your income protection. You do have a monthly payment of $4,666, a thirty day waiting period, two year benefit period. Now those three are paid from within superannuation. You do get that 15% tax rebate. So the total premium for those three are 2,881. You then have the yes? You following so far? Yep. You then also have your trauma cover. So yep. Yes. So you have that 50,000 as well if something were to happen. And this one here basically shows you that everything is paid up to date, and that's all in force. And if anything ever were to happen that you needed to claim on anything, just call me, and then we will help you through. Hopefully, you'd never have to. It's just a it's a safety guide. But if anything ever were to happen, just just call me, and I'll help you through anything. Now what is the next yes. Yes. It's internal rate of return to be fancy. Now if you can open this one for me. Now yes. So it can look quite overwhelming, but, basically, this one here breaks down all your investments. So this is directly in regards to your superannuation for you, and it shows you all the investments, how they have done in the last twelve months, and everything is after fees. So like you said, there's been, obviously, a lot of fluctuations in the market, both obviously with everything in The US and Trump and tariffs and everything, and then now everything in The Middle East as well. So this year has seen quite a bit of turbulence throughout the twelve months. Now as you can see to your left, you have all the different investments. You can see the names of them listed. You can see the starting value. You can also see the the market end value. So you can even see that when we started this, your balance was at 100 and let me just see here for you. Just open this one. Just close down for me. 170,702, and it's now up at 209,848. And 8. And so it's it's it's still seeing quite a bit of an increase, which is nice despite, obviously, fluctuations more than, obviously, anticipated. You will also have the returns on the investment. So if you look through the second column to the right, you will have all the different investments. So you can see here that it looks a lot more kind of not sporadic, but a lot more varied than than typically as well because of so much that's happened in the world. So despite everything and the first twelve months tend to be a little bit less as well because there's fees and everything coming out that you don't obviously have the the upfront fees and everything like that coming out later. And then, obviously, with it took a little bit longer to get your insurances in in force and stuff like that. Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%. So in the the whole scheme of things, it's not too bad for what's going on in the market. But what I would like to do is look at swapping specifically one investment out for you. Now the one that I would like to review in a bit more detail is your Vennelong Australian equity fund. Now this is the only managed fund that you have. And if you remember from from when we spoke last year, then that investment had done really, really well, and it was added to the portfolio because the purpose of that one was to do a little bit more of that active management. So kind of actively buying and selling different investments to try to outperform the market. Whereas the other investments, they are focusing on kind of tracking an index. So they are kind of focusing on so one of them, for example, their focus is to track the 500 largest companies listed in The US. So that one, you know, as companies grow, they get added to the list. As they get smaller, they kind of fall off. So they just kind of track the biggest companies. So it is a little bit different to that Bennelong investment. So the Bennelong investment, the reason why I wanna look at changing that one for you is that more recently, they've kind of under performed a little bit. And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible. Yes. Mhmm. Yes. So it just meant that we didn't add let me see here. There wasn't any more units because you already had enough units in your portfolio. So you still have 23,211 thousand in gold. And it just kind of grew by the prices increasing. So you still you still yeah. So this one looks a bit complex. But if you look at the market value end period column, which is one, two, three, four, that one shows how much money is in each option. So you can see gold there at 23,000. Yep. And you can even see the return on gold. You can see there how how crazy that is at 56 point $8.07, which is crazy. And that's also why it is, you know, a little bit higher allocation to your portfolio, and the good thing is that you've already been invested in it, which is good. Now with the Benelon, one of the reasons that they have fluctuates so much is because one of the companies that they had in their portfolio was called the Corporate Travel Group, and that company had a bit of issues with their reporting, which actually caused a bit of a suspense on the trading, which caused the prices to go down. So like I said, Connie, I would like to do a bit more research because, obviously, a lot has changed in the world since we spoke last time. And the good thing with the underreviews and, you know, with the ongoing service is that we do this all the time because things are always changing. There's always changes in your life, but also in the world and the market and more so these last twelve months, really, since you came on board, there's been a lot of changes. So I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you. If you as long as you're happy for me to do so? Yeah. Perfect. Now Now while we are while while I am reviewing superannuation for you, I do wanted to check if do you read our newsletters at all, Connie? Nope. That's okay. That's okay. Because I do wanted to kind of see what your thoughts are. So with superannuation, we have just very recently merged with BlackRock. Have you ever heard of them? They are one of the biggest investment managers. No? You can definitely Google them as well. They are massive. So we have actually teamed up with them to create something that's called an SMA. So it stands for a self managed account. Have you ever heard of that before? No. This one is not for you. So this one here yes. So it's a little bit different. It's just called a self managed account, but I'll try not keep it as simplified as I can. The difference so your money would still be invested. It would it can still be in hub twenty four. Still the same style of investment. The biggest difference is that at the moment, you have a model portfolio. So when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments. You know the percent that you have in each investment. And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research. I have to present everything in a new kind of statement of advice that we went through last time. And a lot of that is for compliance and legislation, but also making sure that you are across and understand everything. So because of that, it obviously takes a little bit to prepare all the documents and put everything together for you. You have to sign the documents to say that you are happy with the change, and then we can go ahead and make the change. So it is kind of full transparency when it comes to it. The downside is that because it takes a little while to prepare all the documents, there is sometimes a bit of a delay in, obviously, us making the change because we have to put all the the documents together, run through it with you, and you have to approve it. Does that make sense so far? Yep. The difference with the SMA is that you would be invested in a portfolio. So let's just it could just be called whatever. So you just invested in a portfolio. We will still manage all your investments along with BlackRock. But what it allows us to do without having to do the go through the SOA, present it to you for you to sign and agree it, it allows us to, in the back end, do those changes quickly if we think it's going to be the best for you. So that is the the biggest change is we don't have to go through all the compliance and documents to make a change because you are just invested in a a product. So you will still get notified when a change is happening, but we can go ahead and make the change. And then you'll get notified, and we can do it quickly. So that is the biggest change. Now some people are quite happy with that approach because they're like, okay. Well, if you see something changing, you can make a change tomorrow. That's fine. I don't need to be involved in the whole process. But some clients, that I also have are like, no. I kind of prefer this old way because I can exactly see all the investments. We'll go through it together, and then you have to say you're happy with it before we make a change. So do you have which what preference do you have? Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you? What what do you what would you be more comfortable with, and what do you prefer? Yeah. And there's no right answer. And irrespective, I have to go and do the research. I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position. And at all points in times, have to take you know, put your interest above anything else. But it also comes down to preference because I can build different portfolios outside this new model and still do, you know, a similar concept. It just means that it's a little bit slower with making change. We can still very much do it that way. And it also comes down to to preference. Because like I said, I have some clients who's like, no. I quite like the way things are right now, and we can still achieve a you you can still have the same investments. It just means that it's a little bit slower to make the process. We obviously do it as quickly as we can. It just takes a little bit longer, but it's full transparency. You can see exactly the 100%. Yes. The the rules of legislation protecting you is the same. It's it's that's the law. It's just a different way of doing the investment. If you prefer to kind of stick with the old model and any changes, I'll give you a call and run through it together, then I'm more than happy to stick with that if you would be a bit more comfortable with it because we can still achieve a very good outcome. It just means that it'll take a little bit longer, which, again, I have I have a lot of clients who's like, no. I prefer that way. And some who goes, oh, no. This is actually good because we get to use BlackRock's research and stuff like that to build a portfolio. Yeah. Yes. Yeah. Yes. Yep. Yeah. And what I can do for you yeah. Yeah. Yeah. Yes. Yes. Yep. Yes. Yes. Yes. And that's why we're here. And and the the the SMA is good in that way that if something like, if because we obviously do research all the time. So we have a big investment committee and join with BlackRock now, which is great. So if we, for example, foresee something changing, because the stock market can fluctuate so much now we don't wanna day trade your super. That is the purpose. It is your long term investment. But, obviously, like we've seen the last twelve months, things do fluctuate. So if, for example, something were to happen in one market of the world, let's say something happens to China or something, and we had China in your investments. We don't. But if we did and then something changes, we can go like, okay. Tomorrow or straight away when the market open, let's get out, and let's put it in a different market. So we could do that very quickly for you and then let you know we'll still send you documents and say, hey. Just letting you know we've made this change for you. This is the reasons why we believe it's better. And, again, all the the trust, the compliance, making that you are always put above everything else, that is the law. So that stays in place for anything we do. It just means it's quicker. When you go in hub twenty four, you can still click on the estimate, and you can still see all your investments. So you still have oversight over everything. It just means that still have oversight over everything. It just means that we can do it quicker in the back end because of how the structure is. So it is yes. It it It it It it we have different ones. So how we put we have there is difference. So with the SMA, we have a lot of different options as well, and a lot of it comes down through your risk profile. So we have you in a growth portfolio. Do you remember kind of yeah. So are you still happy with your growth allocation? Are you still comfortable with the same fluctuations and allocation, or do you wanna run through another couple of questions to see if anything has changed for you? No. No. No. You don't wanna go through the questions, or no. You're not sure what the growth meant. Yes. Okay. Yeah. Perfect. So with the growth portfolio, it is where we have your 80% to your growth investment. So that is your your property, your international shares, your Australian shares. And then 20% are your more defensive. So your cash, your gold, your fixed interest. And the purpose is to try to grow your superannuation as much as possible while you still have the time. But then also a little bit of that defensive component to limit fluctuations. So if you are happy with your growth portfolio still, we can do the SMA with the same level of risk as you currently have. So the same level of fluctuation, as you currently have. And when I do the research, I will cross reference the investments you currently have on what's in the SMA and if we can transfer any over for you or if there are any new ones. It because with the SMA, it can change a bit quicker because we can very quickly make changes. Are you comfortable with that? What I'll do, I'll just do a couple of questions to see, and it's not as long as last time. And just to see if you are comfortable, we can definitely, if you are happy with it. So what I can do let me see. I'll try to refill some of this to not waste your time and make it quicker. At the moment, are you still planning on maybe accessing Super at 65? Is that still kind of the plan? No? Maybe 70. Depends how you're feeling. Yeah. Yeah. And are you still hoping to be able to draw an income of about $1,500 per week? Do you think that's still kind of, you know, achievable? Would that cover your bills and expenses if you take 1,500 per week, or would you need a bit more? Yes? Yeah. Do you think, like, 2,000, eighteen hundred, 2,000? Okay. I'll change that to 2,000. Yeah. Perfect. So a minimum of about $22,000 per week. Now inflation. So we kind of talked about this a little bit with everything getting more expensive. So if you think of superannuation alone, so only think of superannuation for these questions, how much risk would you be willing to take in order to tryna keep up with the rising prices, making sure that you stay on top of the the increase in prices in your superannuation, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk? Correct. Yes. Do you think, like, very high risk, high, or a bit more moderate? Yep. Perfect. And if you notice that your superannuation dropped by 20% in a six month period. Not because of a bad investment, just kind of the market as we as a whole, which which we have seen recently doing a little bit of fluctuations. Would you say that you would want to, if you had the option, invest a little bit more money while the prices are down, or would you kind of hold just wait and see what happens in the market, or would you want to sell out and then move to something a little bit safer? They're a bit tricky. Invest? Okay. Would you say you would invest a lot or just a little bit? Just a little bit. Yep. Yeah. Perfect. And seeing any assets or superannuation or anything else full in value, if you ever saw it, do you think you that that would make you feel optimistic about potential opportunities in the future? Do you think you would be a bit bit more cautious not making further investments, or would you say very, very, very concerned or just somewhere in the middle, not too bothered? If your superannuation fell. So it went down in value because of investment fluctuations. Was it a little, little bit from there? Yep. Yep. Perfect. Let's see here. And would you ever consider taking out a loan to invest in the stock market, like funds and stocks or anything like that? No. Would you ever borrow for an investment property or just for your own house? Yes. Would you or just just for your property, like your mortgage that you have? Yeah. Perfect. Now when I add all of these up, it tells me here that your risk tolerance do adds up to that growth portfolio that we have. So from how you have answered the question, the risk you are currently in does align. If you still want to increase it, we can as long as that you'll be comfortable. But if we increase it to a high growth, what that means is that you're gonna see more fluctuations in short term, in the long term, trying to achieve high over time. So it depends on what you are comfortable with as well because when we are also looking at a time frame, so making sure that you have enough time in the market, in a growth portfolio, we wanna allow at least six years until you retire, whereas a high growth, eight years. So you have the time for for both, but it's also where you are comfortable with. Because if you saw your fluctuations drop in value and that would make you quite concerned, then maybe growth is suitable. But if you feel like, you know what? I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you. But, also, with the SMA, I can build it I can do a mix of different portfolios. So if you go, I kind of like both. I can always do a mix of in between. So in a growth, we have your eighty twenty split. A high growth, you have 92 ninety ten. So 90 is through those growth investments. I can always do it where it's, like, eighty five fifteen if you wanna take a little bit more, but not fully. Another way to kind of relook at it again is if you go back into the documents in your email there, do you see one where it says your Vanguard index chart? Can you see that one? Yeah. So this one here, I think we went through this last time. It's just an updated one, but this one shows you the different breakdown. So yeah. So in your high in your growth, sorry. So how you are currently invested, if you look at the top four, so The US shares, Australian shares, international shares, and the property, this this is where you currently have about 80%, and then you have 20 in the bottom. So those are the ones that you see fluctuate the most, but they also grow the most. So if we change it, it will be 90% in the top one, ten in the bottom. It means that your gold will be less as well, or we can do a mix between the two. Or if you're comfortable mix? Okay. I can have a look at that. So because with the SMA, I can do, like, a fifty fifty, 50 to one and fifty to another to put you kind of somewhere in the middle where it's more around eighty five, fifteen. Do you think you'd be okay with that? Yeah? Okay. Now I will go and do the research on the SMA for you, but I will also research other options. So if it is that there's other options that's going to be better than the SMA, then I will recommend that. If the SMA is going to be better than you are currently, then I will recommend it. But I'll still run through the changes with you, and then you can let me know. And what I can do as well for you, Connie, is if you would like it can be confusing, but what I can is I can even send you an email with a bit more information on the concept of the SMA if you would like to read up on it a little bit before our next catch up if if that is something that you would would find helpful. Yeah. I will send that through. Now I will go and do this research on the investments for you. Like I said, it will take a couple of weeks for me to get all of it together. But as soon as as soon as I have it ready, I will give you a call, and I will run through the changes. And then we can, you know, see what we would like to do. Yeah. Now while I am doing the research, is there anything else you want me to look at for you? Are you still happy with your insurances and the way things are set up otherwise? It's mainly just having a bit of a look at that super for you. Yeah. We can always take it one one thing at a time as well so it doesn't get too much. So I will have a look at this. I will send you an email with the SMA, and I'll also incent that cash flow and budget for you. For you. If you could do it now, that would be good because nothing's changing. So if I go and make a change if I recommend that we change anything, it's not gonna cost you anymore. It's all part of the ongoing advice, see that 1.65. It stays exactly the same. There's no more upfront or anything like that. It all stays the same. But if you are happy to sign the documents, it just means that we can keep service and assist you in the meantime on until we speak as well, and it's not changing anything as long as you're happy to sign those documents. Yep. Now it might look a little bit different than the DocuSign did last time. So let me know how you go with the signing and if you have any issues. When you finish, it should say complete. Are you going okay with with signing it? Because it's a little bit different than the old system. Oh, perfect. Oh, perfect. That's great. Now that's very good. Sometimes it's it's a bit tricky, especially with the new software, and I I'm not great with IT sometimes. So that's good. So I can see that that has come yes. I've just got a notification that that's been received, which is great. So I will get working on this research here for you, Connie. Like I said, I'll send you the cash flow and budget. If you have a moment, you obviously work through it. If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or if there is any other areas that you wanna have a look at as well. So it it it can be a lot of different things. So it can be if you just want a general conversation in regards to finances, if you wanna look at different contributions into super, there's different structures for it, if you wanna look at different salary sacrifices, if you wanna look at different personal investments, so a personal investment account for you, if you wanna look at investment structures for your son, if you wanna look at a a range of different options because we are a holistic firm. So there are a lot of areas that we can provide advice on depending on what you want. So if there is anything to do with your finances that you want assistance or guidance with or even, you know, cash on budget and stuff like that, Does that clarify anything, or does that make sense? That's quite broad. Defined. Yep. It can so with because that's kind of a different that's more like your loan structure. So because I'm not a lender, I can't do, like, loan structures. I can always so we work very closely with lenders, so mortgage brokers and stuff like that, but they can also do personal loans, some of them. So if it is a situation where you want to do car loans or you want to do even review your mortgage structure or anything like that, you can always just let me know, and I can always get someone to give you a call and talk a bit more with lending side of it. I just won't be able to do it because I don't have I'm not a mortgage broker, but I can get one of our contacts to get in touch with you through review at lending if it is that you want to do. Or even some people do it from, like if you have a lot of different credit cards and personal loans, they can look at kind of consolidating things as well. So but, otherwise, often, it's also depending on where you buy the car from and what loans they have and stuff like that. And if you because especially if it's secondhand, some might be restrictive of what what you can do. But it might even be good sometimes speaking to a mortgage broker because you might be able to draw some equity from the house, for example, depending on what you are comfortable with because a car loan sometimes can be higher interest than potentially the mortgage. Yeah. So sometimes it's not a bad idea to do a bit of a mortgage review because you might the property price may have increased quite a bit since you bought it, and your mortgage goes down. So there might be, you know, ways of utilizing some from the mortgage and getting it refinanced to get potentially a bit more money to do something else. Would you like me to get our mortgage broker to give you a call to to it's just a free review. They can always review your your mortgage and the way things are and see you know? And you can talk to them about, like, okay. Well, do I have any extra equity, or what could I draw from that? Obviously, it will potentially change the loan. But because the the property value has probably gone up, there might be a lot of flexibilities. And I think I think it's good to relook at the mortgage every year just to see what the rates are and see how things change, especially if property prices have gone up quite a lot lately. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. So I can do general general advice I can do. So even if you send me, hey. These are the different banks I have. We can just do some general information on the different interests and stuff like that. But, again, the mortgage broker is typically the best one because they have all the rates and they have access to all of it. And they can say, okay. Well, if you swap through do you know who your bank is that your mortgage is with? And your other banks? Yeah? That's okay. Yeah. Yeah. Yeah? And it can be good because depending on each of the banks, there might be an administration fee just to hold the account. And if you are paying administration fee for all of them, that might cost more, or some might not have administration fees. So if you would like me to, I'd be more than happy to organize our mortgage broker to give you a call and kind of assess things for you because they can do a bit of a a review of your mortgage structure with the banks and stuff like that because they have access to all the rates of what you are getting on the banks, but then also a comparison of if there's administration fees and stuff like that that you are paying. Because I think that could be quite helpful for you if that is something you're comfortable with. Yeah. I think so too. Now I will send and I think it's good for everyone to do. Now I will send an introduction email so you have the details as well, but I'll get them to reach out to you. And when is the best time for you, Connie, for them to give you a quick phone call? Tomorrow tomorrow afternoon around one. Okay. Yeah. Okay. Perfect. I will do I will send that introduction, Emma, before I leave today and see if they can give you a call tomorrow, month one. They are they're very good with responding to emails. Otherwise so if they can't, they are pretty good with responding. Otherwise, they will give you a call and kind of run through the option. And then the good thing is as well that when we then catch up in a couple of weeks for your super, you can let me know as well how things went, and then we can always work on things together. So I will get them to do that. And like I said, it's just a free review on the mortgage, and it's a good especially if you have different banks and mortgages and so just one mortgage, but different banks, they can run kind of a good comparison on on all of that for you. So I will get them through I'll send that email for you today. I will also send the SMA email for some information, the cash flow and budget. And, otherwise, I will give you a call in a couple of weeks to run through all the research, and we can kind of touch base on how you went with speaking with the lender. But do you have any other questions or need anything else from me before I let you go otherwise today? No? Okay. Perfect. No. That's okay, Connie. If you think of anything else during the meantime, you can always send me an email or or give me a call, and, we can always book in a catch up whenever you want to if there is anything else that that pops up, that you need help with as well. Yeah. Perfect. Well, thank you so much for your time this afternoon. It was lovely to speak to you again for a little while. And I look forward to, you know, speaking with you very soon again about all of this. Yeah. Perfect. You too, Connie. We'll speak soon. 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afternoon, Connie. It's Veronica from Financial. How are you? Good. How are you?\n\nI know. It's been some time. You've been okay? Yes. Very much sorry, which is good.\n\nComes with a lot more bills. But it's no. It's been really good. It's nice to have your your own place, which is nice. Yeah.\n\nAnd how have you been? Yeah. I mean yeah. Just because, obviously, like, inflation and prices and or is there anything specific that's happened? Do some renovation.\n\nYeah. And you install some solar panels as well? Yep. Perfect. Hopefully, did they say, like, the turnaround time for when they think they'll start, like, saving and stuff like that as well?\n\nNo? Yes. At least solar will be good in hopefully saving a bit on the electricity. Yeah. Yeah.\n\nWe have solar in our house as well. And with the the bills, especially during the day, like, in summer and stuff, if it gets really hot, it barely costs anything. And I and I try to be mindful of, you know, doing washing and dishwasher and everything like that during the day, even on, like, the weekend and stuff to try to bring down the cost as well, which is which is helping. So, hopefully, that will start make making a bit of a difference for you as well. Yes.\n\nYes. Yep. And being young, it can be a bit more expensive too as a young male, potentially. Yeah. Yes.\n\nYes. Very much so. Oh, yeah. See see how it goes. Yeah.\n\nNow, Connie, did I ever send you a a bit of a cash flow and budget last time, or do you think that will be something that would be helpful for you? Yep. Okay. That is probably most people to be fair are the same. So what I will do and, again, there's no pressure.\n\nYou can take your time. I do think it's usually a good way. I think it's good for anyone through kind of and, often, once you start getting a bit of a, you know, tracking on spending and where things go, it's then easier to be like, okay. Well, maybe I can cancel this subscription, or I might not need this, or maybe I can reduce a little bit here and there depending on, you know, obviously, bills and expenses like that. So what I will do is I will just send you by email.\n\nIt is an Excel workbook. It is just like a a template just a general template for cash flow and budgeting, and it is a good starting point. And it is pretty self explanatory as well. You can put in as much or as little, obviously, depending on the household. And it is a good way to get started on kind of tracking everything.\n\nAnd then we can always work together that if it is that you completed and you don't really know what to do or if there's area where you struggle, you can always just let me know. We can always book in a catch up and go through it to be like, okay. Is there any areas we can, you know, change things a little bit if it is making it hard cash flow wise with expenses? If you are on top of everything, I still think it's a really good good thing for everyone to do at some point because it gives you more awareness of things. And I, like, I think it helps me as well.\n\nI budget quite a bit, and I think it's really helpful, but I recommend it to all my friends as well. It is a good just, like, awareness. So even if it's like you're in a really good position, it's still good to be like, okay. Well, maybe I'm spending a little bit more in this area or, you know, maybe I have a little bit of extra. Okay.\n\nWhat do I wanna do with that money? So it is a good thing to do, but there's no obviously time. So I will email that to you. And then whenever you have a moment, if it is something that you want to do, then have a have a go at completing it through best of your ability. And then you can always email it back to me, and we can always book in another catch up to run through it if you would like.\n\nSo but, again, obviously, no pressure on time. It's just when I know life gets in the way all the time. So just whenever you want to, if it is something that would be helpful. Yeah. Mhmm.\n\nNow, Connie, what I have done, because this is your first annual review as well, is that I have just sent you an email with some documents to run through today if you have the option of accessing your email. Is that something you have access to or not really? Just later. I just wanna run through it with you first just to make sure sure you're happy with everything and you don't have any questions. Then I'll ask you to do it, but I'll just run through it with you first just to make sure, you know, you are happy with everything before I do get you to sign it.\n\nMhmm. Percentage stays exactly the same. There is no change because it's a percentage of your balance. As you'll see if the balance goes up, it will naturally go up, but the percentage, so that 1.65, that stays exactly the same. There's no increases or anything like that to it.\n\nYeah. Now before I do jump into those documents, I will run through a bit of an updated fact find with you, Connie, just to see if there's anything major that's changed in your life that will require us to update and make potential changes to the advice. So just bear with me as I go through these questions. And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes? Yep.\n\nPerfect. And even though I can hear that it is you, just for security purposes as well. Yes. Yep. Perfect.\n\nYou know the drill. That's good. Now has anything changed in your personal life? I have you down here marital status. Obviously, single with one financial dependent.\n\nYep. Perfect. Now I did realize here that, excuse me, we don't actually have a next of kin on file for you. So that can be anybody, and it's just in the event that we can't contact you who is someone that we could call, and it's only if we can't get in touch with you. Okay.\n\nYep. It can be okay. That it can it can be anyone. It can be family. It can be a good friend, sibling.\n\nIt can be anybody, because this is just a a yes. Of course. You can. What are what are their name? Yep.\n\nYep. And last name? Do you know? Oh. Yep.\n\nYes. Perfect. And phone number? O four zero four. Yep.\n\nThree four four. Yep. 289. Perfect. And that's exciting.\n\nYes. I do I'd I I thought sorry. But just for security, I just wanted to make sure we have the same the same number. But that's very exciting with the wedding. Is that is it local?\n\nYeah. Oh, well, hopefully, the weather yeah. Well, hopefully, the weather will turn out nice because we're rain raining a lot here lately. So so I'll just note just let her down just as a next step. Kin, and, again, it's only in the event that we can't get in touch with you.\n\nShe doesn't have to do anything. It's just just, yeah, for some reason if we can't. Now has anything changed with your occupation? Are you still working at the hospital as a nurse? Yep.\n\nPerfect. Perfect. Now with your income, I know, obviously, it fluctuates roughly fluctuates. But I had down around the 80,000, and then last financial year, it was around 110. Do you know roughly if that's the same or has it changed?\n\nStill the same. Okay. Perfect. When it comes to savings, I think I have here about 225 a week. Does that sound about right?\n\nWent like a a weekly savings. So how much money you put aside after bills and expenses? Yeah. Perfect. Now still same arrangement, obviously, with your contributions.\n\nI had a look at your salary sacrifice as well. It's gone up about $4 a fortnight, so that's good. So I'll update that. With your assets, so I have here your property was last valued at about 650,000. Do you know if that's gone up a little bit or if it's changed?\n\nNo. That's okay. Mortgage, you have about 217. Does that sound about right? Oh, that's perfect.\n\nThat's good. I'll update that. You also have the the motor vehicle, the Honda at about 12,000. Oh, no. Goodness.\n\nYou're you okay? Yeah. Yeah. Okay. Well, that's good.\n\nI'm glad. Oh, jeez. Well, I'm glad you guys are okay. Did you get perfect. And do you know how much it would be worth or how much you bought it for?\n\nOkay. Perfect. Yeah. No. That's perfect.\n\nAnd you don't have any, like, payment plan or anything on the car? No. Perfect. Oh, that's good. I also have here that you have an offset account of around 56,000.\n\nYep. And then 10,000 in an emergency savings account as well. Perfect. Now do have any other new assets, like, the last twelve months? Any motorbikes or boats or anything else?\n\nYeah. Maybe if you win the lottery. Yeah. And aside from, obviously, the solar, do you have any other, like, personal loans or credit cards or anything like that? No.\n\nGreat. Okay. Perfect. Do you know when it's kind of due to start? Okay.\n\nYep. And then probably shortly after that. Now health and lifestyle wise, still a nonsmoker? Yes. Oh, I'm the same.\n\nYep. No. I'm the same. Any other changes to your health otherwise? Any new medications or any any other issues or anything?\n\nNo? Oh, beautiful. That's good. Just for general kind of health and well-being. Yeah.\n\nOh, that's nice. And, Conner, do you have private health insurance? Yep. Perfect. Yep.\n\nGreat. Now when it comes to estate planning, I have here that you you have a will in place. And last time we spoke, you kind of had it recently updated. Does that ring a bell? Might be a while.\n\nDo you think it needs updating, or has nothing really major changed? No. Okay. Perfect. Now when it comes to your superannuation and your insurances, I do have here that you have Hayden nominated at a 100%.\n\nThat's correct? Yep. Perfect. And are you involved in politics as well? Are you politically exposed by any chance?\n\nNo? Perfect. And do you earn any income overseas at all? No. Nope.\n\nPerfect. Now that was basically all of those personal details I needed to go through. And, otherwise, what we do kind of focus on and set for the next twelve months is just some goals that you are working to with, and then we can kind of help together working on them. And then next under review is a good kind of checking point to see, well, how did you went with those goals the last twelve months, or if anything has changed. So for the next twelve months, is there any goals that you are working towards?\n\nNow it doesn't have to be just financial. It can be personal goals or wanting to do some travel. Is there anything that you have that you would like to focus on in the next twelve months? Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Just No. That's okay.\n\nAnd aside from from that, are you still kind of just focusing on gradually paying down the mortgage otherwise? Is that still kind of a goal? Yep. Mhmm. Yep.\n\nYeah. Just kind of a secondary. Mhmm. Mhmm. At Self Note Superfund?\n\nYes. And with the self managed super fund, there is a lot of there is a lot of talks around it. And for some clients, it can be great. It's not for everyone. And I have seen, yeah, and I have seen more self managed super funds being closed down than.\n\nAnd a lot of it is because it's very complex to run. There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like. But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant. You will have to have, like, an accountant to do all the auditing and and stuff like that. So it is quite complex, and it's a lot more costly than your traditional superannuation.\n\nMost people go down the self managed super fund because you want to buy an investment property, or they have, like, a couple who joins their superannuation, and they have quite a lot of money in there that they want to buy a property and also have an investment portfolio and stuff like that, which it can be really great for. Often, when I look at it, a lot of the cost and fees are very high. And then you also have to worry about, okay. Well, if I put it in a property, is everything into that property? So if I need to draw some money out, everything's locked into the property, it will make it a bit difficult, and, you know, everything is into one asset.\n\nSo if something were to happen to one particular asset, it's obviously a lot higher risk of something fluctuating than the way that things are structured at the moment where you have, you know, money in a lot of different different things. So if something happens to one thing, you have other things to kind of balance it out. And with ASIC as well, so they say that to even make it kind of worthwhile just from a fee point of view, and it's not necessarily a property, just from a fee point of view in regards to a self managed super fund. They don't suggest anyone under 250,000 for self managed super fund, and some industry experts even says closer to 500 from a fee point of view. So if if the goal is adjust my property, that is an avenue to explore.\n\nIf the goal is to grow it as much as you can, have as much money as you can, and then draw an income from your superannuation between obviously now and when you want to retire, it's not always the best avenue. So it kind of depends on everyone's situation, but I'll make a little note that, you know, it's something that maybe you want to explore through time. But I think right now from where the super balance is, I think the fees would be too much to warrant to warrant to warrant it. But if it is something that you are, like, very adamant about or you call me like, no. I do really want it, then we do have the capacity to do the research and stuff like that.\n\nBut it is a lot more costly. Okay. Good. If it is that you change your mind, though, you know, just let me know, and we can know it's explored. But I think from, obviously, your goals and where things are at, I don't think it's the right avenue right now.\n\nSo yes and no. It is it is a good investment because it's more of your defensive investment. But at the same time, the prices are so high at the moment that if you are buying it now, you've kind of also lost a little bit of that growth because it's it's very, very high at the moment, which is great if you bought in early. So in your superannuation, we we have gold we have gold in your superannuation as part of your portfolio, which is great. So you already have a bit of gold included in that.\n\nIf you are buying a lot of it now, it's you know, the prices are quite high. Mhmm. And then, also, you'd wanna make sure you're not true what what the goals are, or you don't wanna be too concentrated into the one area, and if if it's a matter of drawing income and stuff like that. So we do have some clients who just wants to go invest a little bit themselves, which is obviously perfectly fine. If it is specific, you know, research reports and stuff like that, we have access to all of it.\n\nI'm more than happy to send you everything. But, ultimately, it's also thinking of it from from a whole holistic point of view that, you know, if how much do you wanna invest? Where do you want that money to come from? If you want it from emergency saving account, for example, then that will if something were to happen, you don't have that, and then you're locked into gold. And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that.\n\nSo it it's not like, gold as as itself is a very good defensive investment and is a good base to have to it portfolio, but it also has a place. And like I said, right now, it is quite high. So then the thought is also, okay. Well, do you want to buy it now when the prices have increased so much already, or is it you know? But yes.\n\nYes. Yes. Yes. Correct. Yes.\n\nYep. Yeah. Which is a perfect which is a perfect question, and it's very valid. And I do wanna potentially I would like to do a bit more research and and see if we wanna swap some things out. But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio.\n\nIt shows you what's happened in last twelve months and fees and the different investments. So do you have access to that email? Now before you before you click on the link where it says to sign, it should show you a couple of different attachments first. Can you see those? Yeah.\n\nYep. Now to make it easier for you, you can tell me which order you have the document so we can go through it that way. So what do you have first? What can you see? Yes.\n\nSo I won't get you to open that one and the financial services guide because it's one of those do you remember that, guide when you came in for your initial consultation that we went through that had our photos and you had the oak tree and, you know, the service, the one that you took home, with you. Yeah. So it's just an updated version of that one for you. So we've had a bit of an extension to the team, which is nice. But when you have a moment, have a look through them.\n\nWe've had a bit of an we've introduced kind of marketing material as well. So you'll see it has a little bit of a revamp to it, which is nice, and you will see a a bigger extension to our team. Otherwise, it is quite similar to the the old one. It's just an updated version. So all that information is there if you do wanna have a read over it.\n\nBut it's quite long, so I won't go through all of that with you again. Now what's the next one there for you? Okay. Yep. That one is very similar to that one again.\n\nWe just have two two copies. One's a smaller version, so I'll get you to skip that one as well for me. And then which one do you have? Yes. Yep.\n\nIf you can o yep. If you can open that one for me. And let me know. Yep. So this one here, it breaks down your insurance in in quite a lot of detail, but it basically gives you a breakdown of your insurance policy.\n\nSo it shows you your your life insurance, your total permanent disability, the income protection, the trauma. It shows you everything, and also that everything is paid up to date. So with your Neos insurances, you do have let me just see here if I get it loaded. For your life and total permanent disability, you have that 250,000 lump sum for your income protection. You do have a monthly payment of $4,666, a thirty day waiting period, two year benefit period.\n\nNow those three are paid from within superannuation. You do get that 15% tax rebate. So the total premium for those three are 2,881. You then have the yes? You following so far?\n\nYep. You then also have your trauma cover. So yep. Yes. So you have that 50,000 as well if something were to happen.\n\nAnd this one here basically shows you that everything is paid up to date, and that's all in force. And if anything ever were to happen that you needed to claim on anything, just call me, and then we will help you through. Hopefully, you'd never have to. It's just a it's a safety guide. But if anything ever were to happen, just just call me, and I'll help you through anything.\n\nNow what is the next yes. Yes. It's internal rate of return to be fancy. Now if you can open this one for me. Now yes.\n\nSo it can look quite overwhelming, but, basically, this one here breaks down all your investments. So this is directly in regards to your superannuation for you, and it shows you all the investments, how they have done in the last twelve months, and everything is after fees. So like you said, there's been, obviously, a lot of fluctuations in the market, both obviously with everything in The US and Trump and tariffs and everything, and then now everything in The Middle East as well. So this year has seen quite a bit of turbulence throughout the twelve months. Now as you can see to your left, you have all the different investments.\n\nYou can see the names of them listed. You can see the starting value. You can also see the the market end value. So you can even see that when we started this, your balance was at 100 and let me just see here for you. Just open this one.\n\nJust close down for me. 170,702, and it's now up at 209,848. And 8. And so it's it's it's still seeing quite a bit of an increase, which is nice despite, obviously, fluctuations more than, obviously, anticipated. You will also have the returns on the investment.\n\nSo if you look through the second column to the right, you will have all the different investments. So you can see here that it looks a lot more kind of not sporadic, but a lot more varied than than typically as well because of so much that's happened in the world. So despite everything and the first twelve months tend to be a little bit less as well because there's fees and everything coming out that you don't obviously have the the upfront fees and everything like that coming out later. And then, obviously, with it took a little bit longer to get your insurances in in force and stuff like that. Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%.\n\nSo in the the whole scheme of things, it's not too bad for what's going on in the market. But what I would like to do is look at swapping specifically one investment out for you. Now the one that I would like to review in a bit more detail is your Vennelong Australian equity fund. Now this is the only managed fund that you have. And if you remember from from when we spoke last year, then that investment had done really, really well, and it was added to the portfolio because the purpose of that one was to do a little bit more of that active management.\n\nSo kind of actively buying and selling different investments to try to outperform the market. Whereas the other investments, they are focusing on kind of tracking an index. So they are kind of focusing on so one of them, for example, their focus is to track the 500 largest companies listed in The US. So that one, you know, as companies grow, they get added to the list. As they get smaller, they kind of fall off.\n\nSo they just kind of track the biggest companies. So it is a little bit different to that Bennelong investment. So the Bennelong investment, the reason why I wanna look at changing that one for you is that more recently, they've kind of under performed a little bit. And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible. Yes.\n\nMhmm. Yes. So it just meant that we didn't add let me see here. There wasn't any more units because you already had enough units in your portfolio. So you still have 23,211 thousand in gold.\n\nAnd it just kind of grew by the prices increasing. So you still you still yeah. So this one looks a bit complex. But if you look at the market value end period column, which is one, two, three, four, that one shows how much money is in each option. So you can see gold there at 23,000.\n\nYep. And you can even see the return on gold. You can see there how how crazy that is at 56 point $8.07, which is crazy. And that's also why it is, you know, a little bit higher allocation to your portfolio, and the good thing is that you've already been invested in it, which is good. Now with the Benelon, one of the reasons that they have fluctuates so much is because one of the companies that they had in their portfolio was called the Corporate Travel Group, and that company had a bit of issues with their reporting, which actually caused a bit of a suspense on the trading, which caused the prices to go down.\n\nSo like I said, Connie, I would like to do a bit more research because, obviously, a lot has changed in the world since we spoke last time. And the good thing with the underreviews and, you know, with the ongoing service is that we do this all the time because things are always changing. There's always changes in your life, but also in the world and the market and more so these last twelve months, really, since you came on board, there's been a lot of changes. So I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you. If you as long as you're happy for me to do so?\n\nYeah. Perfect. Now Now while we are while while I am reviewing superannuation for you, I do wanted to check if do you read our newsletters at all, Connie? Nope. That's okay.\n\nThat's okay. Because I do wanted to kind of see what your thoughts are. So with superannuation, we have just very recently merged with BlackRock. Have you ever heard of them? They are one of the biggest investment managers.\n\nNo? You can definitely Google them as well. They are massive. So we have actually teamed up with them to create something that's called an SMA. So it stands for a self managed account.\n\nHave you ever heard of that before? No. This one is not for you. So this one here yes. So it's a little bit different.\n\nIt's just called a self managed account, but I'll try not keep it as simplified as I can. The difference so your money would still be invested. It would it can still be in hub twenty four. Still the same style of investment. The biggest difference is that at the moment, you have a model portfolio.\n\nSo when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments. You know the percent that you have in each investment. And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research. I have to present everything in a new kind of statement of advice that we went through last time. And a lot of that is for compliance and legislation, but also making sure that you are across and understand everything.\n\nSo because of that, it obviously takes a little bit to prepare all the documents and put everything together for you. You have to sign the documents to say that you are happy with the change, and then we can go ahead and make the change. So it is kind of full transparency when it comes to it. The downside is that because it takes a little while to prepare all the documents, there is sometimes a bit of a delay in, obviously, us making the change because we have to put all the the documents together, run through it with you, and you have to approve it. Does that make sense so far?\n\nYep. The difference with the SMA is that you would be invested in a portfolio. So let's just it could just be called whatever. So you just invested in a portfolio. We will still manage all your investments along with BlackRock.\n\nBut what it allows us to do without having to do the go through the SOA, present it to you for you to sign and agree it, it allows us to, in the back end, do those changes quickly if we think it's going to be the best for you. So that is the the biggest change is we don't have to go through all the compliance and documents to make a change because you are just invested in a a product. So you will still get notified when a change is happening, but we can go ahead and make the change. And then you'll get notified, and we can do it quickly. So that is the biggest change.\n\nNow some people are quite happy with that approach because they're like, okay. Well, if you see something changing, you can make a change tomorrow. That's fine. I don't need to be involved in the whole process. But some clients, that I also have are like, no.\n\nI kind of prefer this old way because I can exactly see all the investments. We'll go through it together, and then you have to say you're happy with it before we make a change. So do you have which what preference do you have? Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you? What what do you what would you be more comfortable with, and what do you prefer?\n\nYeah. And there's no right answer. And irrespective, I have to go and do the research. I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position. And at all points in times, have to take you know, put your interest above anything else.\n\nBut it also comes down to preference because I can build different portfolios outside this new model and still do, you know, a similar concept. It just means that it's a little bit slower with making change. We can still very much do it that way. And it also comes down to to preference. Because like I said, I have some clients who's like, no.\n\nI quite like the way things are right now, and we can still achieve a you you can still have the same investments. It just means that it's a little bit slower to make the process. We obviously do it as quickly as we can. It just takes a little bit longer, but it's full transparency. You can see exactly the 100%.\n\nYes. The the rules of legislation protecting you is the same. It's it's that's the law. It's just a different way of doing the investment. If you prefer to kind of stick with the old model and any changes, I'll give you a call and run through it together, then I'm more than happy to stick with that if you would be a bit more comfortable with it because we can still achieve a very good outcome.\n\nIt just means that it'll take a little bit longer, which, again, I have I have a lot of clients who's like, no. I prefer that way. And some who goes, oh, no. This is actually good because we get to use BlackRock's research and stuff like that to build a portfolio. Yeah.\n\nYes. Yeah. Yes. Yep. Yeah.\n\nAnd what I can do for you yeah. Yeah. Yeah. Yes. Yes.\n\nYep. Yes. Yes. Yes. And that's why we're here.\n\nAnd and the the the SMA is good in that way that if something like, if because we obviously do research all the time. So we have a big investment committee and join with BlackRock now, which is great. So if we, for example, foresee something changing, because the stock market can fluctuate so much now we don't wanna day trade your super. That is the purpose. It is your long term investment.\n\nBut, obviously, like we've seen the last twelve months, things do fluctuate. So if, for example, something were to happen in one market of the world, let's say something happens to China or something, and we had China in your investments. We don't. But if we did and then something changes, we can go like, okay. Tomorrow or straight away when the market open, let's get out, and let's put it in a different market.\n\nSo we could do that very quickly for you and then let you know we'll still send you documents and say, hey. Just letting you know we've made this change for you. This is the reasons why we believe it's better. And, again, all the the trust, the compliance, making that you are always put above everything else, that is the law. So that stays in place for anything we do.\n\nIt just means it's quicker. When you go in hub twenty four, you can still click on the estimate, and you can still see all your investments. So you still have oversight over everything. It just means that still have oversight over everything. It just means that we can do it quicker in the back end because of how the structure is.\n\nSo it is yes. It it It it It it we have different ones. So how we put we have there is difference. So with the SMA, we have a lot of different options as well, and a lot of it comes down through your risk profile. So we have you in a growth portfolio.\n\nDo you remember kind of yeah. So are you still happy with your growth allocation? Are you still comfortable with the same fluctuations and allocation, or do you wanna run through another couple of questions to see if anything has changed for you? No. No.\n\nNo. You don't wanna go through the questions, or no. You're not sure what the growth meant. Yes. Okay.\n\nYeah. Perfect. So with the growth portfolio, it is where we have your 80% to your growth investment. So that is your your property, your international shares, your Australian shares. And then 20% are your more defensive.\n\nSo your cash, your gold, your fixed interest. And the purpose is to try to grow your superannuation as much as possible while you still have the time. But then also a little bit of that defensive component to limit fluctuations. So if you are happy with your growth portfolio still, we can do the SMA with the same level of risk as you currently have. So the same level of fluctuation, as you currently have.\n\nAnd when I do the research, I will cross reference the investments you currently have on what's in the SMA and if we can transfer any over for you or if there are any new ones. It because with the SMA, it can change a bit quicker because we can very quickly make changes. Are you comfortable with that? What I'll do, I'll just do a couple of questions to see, and it's not as long as last time. And just to see if you are comfortable, we can definitely, if you are happy with it.\n\nSo what I can do let me see. I'll try to refill some of this to not waste your time and make it quicker. At the moment, are you still planning on maybe accessing Super at 65? Is that still kind of the plan? No?\n\nMaybe 70. Depends how you're feeling. Yeah. Yeah. And are you still hoping to be able to draw an income of about $1,500 per week?\n\nDo you think that's still kind of, you know, achievable? Would that cover your bills and expenses if you take 1,500 per week, or would you need a bit more? Yes? Yeah. Do you think, like, 2,000, eighteen hundred, 2,000?\n\nOkay. I'll change that to 2,000. Yeah. Perfect. So a minimum of about $22,000 per week.\n\nNow inflation. So we kind of talked about this a little bit with everything getting more expensive. So if you think of superannuation alone, so only think of superannuation for these questions, how much risk would you be willing to take in order to tryna keep up with the rising prices, making sure that you stay on top of the the increase in prices in your superannuation, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk? Correct. Yes.\n\nDo you think, like, very high risk, high, or a bit more moderate? Yep. Perfect. And if you notice that your superannuation dropped by 20% in a six month period. Not because of a bad investment, just kind of the market as we as a whole, which which we have seen recently doing a little bit of fluctuations.\n\nWould you say that you would want to, if you had the option, invest a little bit more money while the prices are down, or would you kind of hold just wait and see what happens in the market, or would you want to sell out and then move to something a little bit safer? They're a bit tricky. Invest? Okay. Would you say you would invest a lot or just a little bit?\n\nJust a little bit. Yep. Yeah. Perfect. And seeing any assets or superannuation or anything else full in value, if you ever saw it, do you think you that that would make you feel optimistic about potential opportunities in the future?\n\nDo you think you would be a bit bit more cautious not making further investments, or would you say very, very, very concerned or just somewhere in the middle, not too bothered? If your superannuation fell. So it went down in value because of investment fluctuations. Was it a little, little bit from there? Yep.\n\nYep. Perfect. Let's see here. And would you ever consider taking out a loan to invest in the stock market, like funds and stocks or anything like that? No.\n\nWould you ever borrow for an investment property or just for your own house? Yes. Would you or just just for your property, like your mortgage that you have? Yeah. Perfect.\n\nNow when I add all of these up, it tells me here that your risk tolerance do adds up to that growth portfolio that we have. So from how you have answered the question, the risk you are currently in does align. If you still want to increase it, we can as long as that you'll be comfortable. But if we increase it to a high growth, what that means is that you're gonna see more fluctuations in short term, in the long term, trying to achieve high over time. So it depends on what you are comfortable with as well because when we are also looking at a time frame, so making sure that you have enough time in the market, in a growth portfolio, we wanna allow at least six years until you retire, whereas a high growth, eight years.\n\nSo you have the time for for both, but it's also where you are comfortable with. Because if you saw your fluctuations drop in value and that would make you quite concerned, then maybe growth is suitable. But if you feel like, you know what? I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you. But, also, with the SMA, I can build it I can do a mix of different portfolios.\n\nSo if you go, I kind of like both. I can always do a mix of in between. So in a growth, we have your eighty twenty split. A high growth, you have 92 ninety ten. So 90 is through those growth investments.\n\nI can always do it where it's, like, eighty five fifteen if you wanna take a little bit more, but not fully. Another way to kind of relook at it again is if you go back into the documents in your email there, do you see one where it says your Vanguard index chart? Can you see that one? Yeah. So this one here, I think we went through this last time.\n\nIt's just an updated one, but this one shows you the different breakdown. So yeah. So in your high in your growth, sorry. So how you are currently invested, if you look at the top four, so The US shares, Australian shares, international shares, and the property, this this is where you currently have about 80%, and then you have 20 in the bottom. So those are the ones that you see fluctuate the most, but they also grow the most.\n\nSo if we change it, it will be 90% in the top one, ten in the bottom. It means that your gold will be less as well, or we can do a mix between the two. Or if you're comfortable mix? Okay. I can have a look at that.\n\nSo because with the SMA, I can do, like, a fifty fifty, 50 to one and fifty to another to put you kind of somewhere in the middle where it's more around eighty five, fifteen. Do you think you'd be okay with that? Yeah? Okay. Now I will go and do the research on the SMA for you, but I will also research other options.\n\nSo if it is that there's other options that's going to be better than the SMA, then I will recommend that. If the SMA is going to be better than you are currently, then I will recommend it. But I'll still run through the changes with you, and then you can let me know. And what I can do as well for you, Connie, is if you would like it can be confusing, but what I can is I can even send you an email with a bit more information on the concept of the SMA if you would like to read up on it a little bit before our next catch up if if that is something that you would would find helpful. Yeah.\n\nI will send that through. Now I will go and do this research on the investments for you. Like I said, it will take a couple of weeks for me to get all of it together. But as soon as as soon as I have it ready, I will give you a call, and I will run through the changes. And then we can, you know, see what we would like to do.\n\nYeah. Now while I am doing the research, is there anything else you want me to look at for you? Are you still happy with your insurances and the way things are set up otherwise? It's mainly just having a bit of a look at that super for you. Yeah.\n\nWe can always take it one one thing at a time as well so it doesn't get too much. So I will have a look at this. I will send you an email with the SMA, and I'll also incent that cash flow and budget for you. For you. If you could do it now, that would be good because nothing's changing.\n\nSo if I go and make a change if I recommend that we change anything, it's not gonna cost you anymore. It's all part of the ongoing advice, see that 1.65. It stays exactly the same. There's no more upfront or anything like that. It all stays the same.\n\nBut if you are happy to sign the documents, it just means that we can keep service and assist you in the meantime on until we speak as well, and it's not changing anything as long as you're happy to sign those documents. Yep. Now it might look a little bit different than the DocuSign did last time. So let me know how you go with the signing and if you have any issues. When you finish, it should say complete.\n\nAre you going okay with with signing it? Because it's a little bit different than the old system. Oh, perfect. Oh, perfect. That's great.\n\nNow that's very good. Sometimes it's it's a bit tricky, especially with the new software, and I I'm not great with IT sometimes. So that's good. So I can see that that has come yes. I've just got a notification that that's been received, which is great.\n\nSo I will get working on this research here for you, Connie. Like I said, I'll send you the cash flow and budget. If you have a moment, you obviously work through it. If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or if there is any other areas that you wanna have a look at as well. So it it it can be a lot of different things.\n\nSo it can be if you just want a general conversation in regards to finances, if you wanna look at different contributions into super, there's different structures for it, if you wanna look at different salary sacrifices, if you wanna look at different personal investments, so a personal investment account for you, if you wanna look at investment structures for your son, if you wanna look at a a range of different options because we are a holistic firm. So there are a lot of areas that we can provide advice on depending on what you want. So if there is anything to do with your finances that you want assistance or guidance with or even, you know, cash on budget and stuff like that, Does that clarify anything, or does that make sense? That's quite broad. Defined.\n\nYep. It can so with because that's kind of a different that's more like your loan structure. So because I'm not a lender, I can't do, like, loan structures. I can always so we work very closely with lenders, so mortgage brokers and stuff like that, but they can also do personal loans, some of them. So if it is a situation where you want to do car loans or you want to do even review your mortgage structure or anything like that, you can always just let me know, and I can always get someone to give you a call and talk a bit more with lending side of it.\n\nI just won't be able to do it because I don't have I'm not a mortgage broker, but I can get one of our contacts to get in touch with you through review at lending if it is that you want to do. Or even some people do it from, like if you have a lot of different credit cards and personal loans, they can look at kind of consolidating things as well. So but, otherwise, often, it's also depending on where you buy the car from and what loans they have and stuff like that. And if you because especially if it's secondhand, some might be restrictive of what what you can do. But it might even be good sometimes speaking to a mortgage broker because you might be able to draw some equity from the house, for example, depending on what you are comfortable with because a car loan sometimes can be higher interest than potentially the mortgage.\n\nYeah. So sometimes it's not a bad idea to do a bit of a mortgage review because you might the property price may have increased quite a bit since you bought it, and your mortgage goes down. So there might be, you know, ways of utilizing some from the mortgage and getting it refinanced to get potentially a bit more money to do something else. Would you like me to get our mortgage broker to give you a call to to it's just a free review. They can always review your your mortgage and the way things are and see you know?\n\nAnd you can talk to them about, like, okay. Well, do I have any extra equity, or what could I draw from that? Obviously, it will potentially change the loan. But because the the property value has probably gone up, there might be a lot of flexibilities. And I think I think it's good to relook at the mortgage every year just to see what the rates are and see how things change, especially if property prices have gone up quite a lot lately.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYes. So I can do general general advice I can do. So even if you send me, hey. These are the different banks I have. We can just do some general information on the different interests and stuff like that.\n\nBut, again, the mortgage broker is typically the best one because they have all the rates and they have access to all of it. And they can say, okay. Well, if you swap through do you know who your bank is that your mortgage is with? And your other banks? Yeah?\n\nThat's okay. Yeah. Yeah. Yeah? And it can be good because depending on each of the banks, there might be an administration fee just to hold the account.\n\nAnd if you are paying administration fee for all of them, that might cost more, or some might not have administration fees. So if you would like me to, I'd be more than happy to organize our mortgage broker to give you a call and kind of assess things for you because they can do a bit of a a review of your mortgage structure with the banks and stuff like that because they have access to all the rates of what you are getting on the banks, but then also a comparison of if there's administration fees and stuff like that that you are paying. Because I think that could be quite helpful for you if that is something you're comfortable with. Yeah. I think so too.\n\nNow I will send and I think it's good for everyone to do. Now I will send an introduction email so you have the details as well, but I'll get them to reach out to you. And when is the best time for you, Connie, for them to give you a quick phone call? Tomorrow tomorrow afternoon around one. Okay.\n\nYeah. Okay. Perfect. I will do I will send that introduction, Emma, before I leave today and see if they can give you a call tomorrow, month one. They are they're very good with responding to emails.\n\nOtherwise so if they can't, they are pretty good with responding. Otherwise, they will give you a call and kind of run through the option. And then the good thing is as well that when we then catch up in a couple of weeks for your super, you can let me know as well how things went, and then we can always work on things together. So I will get them to do that. And like I said, it's just a free review on the mortgage, and it's a good especially if you have different banks and mortgages and so just one mortgage, but different banks, they can run kind of a good comparison on on all of that for you.\n\nSo I will get them through I'll send that email for you today. I will also send the SMA email for some information, the cash flow and budget. And, otherwise, I will give you a call in a couple of weeks to run through all the research, and we can kind of touch base on how you went with speaking with the lender. But do you have any other questions or need anything else from me before I let you go otherwise today? No?\n\nOkay. Perfect. No. That's okay, Connie. If you think of anything else during the meantime, you can always send me an email or or give me a call, and, we can always book in a catch up whenever you want to if there is anything else that that pops up, that you need help with as well.\n\nYeah. Perfect. Well, thank you so much for your time this afternoon. It was lovely to speak to you again for a little while. And I look forward to, you know, speaking with you very soon again about all of this.\n\nYeah. Perfect. You too, Connie. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Connie.","start":3.6,"end":4.64,"sentiment":"positive","sentiment_score":0.3500998814900716},{"text":"It's Veronica from Financial.","start":4.64,"end":6.18,"sentiment":"neutral","sentiment_score":0.27299079298973083},{"text":"How are you?","start":6.72,"end":9.059999,"sentiment":"positive","sentiment_score":0.3636178771654765},{"text":"Good.","start":9.599999,"end":10.099999,"sentiment":"neutral","sentiment_score":0.1413336992263794},{"text":"How are you?","start":10.8,"end":11.54,"sentiment":"neutral","sentiment_score":-0.019003352771202724}],"sentiment":"neutral","sentiment_score":0.23696000634559564,"num_words":14,"start":3.6,"end":11.54},{"sentences":[{"text":"I know.","start":12.639999,"end":13.04,"sentiment":"neutral","sentiment_score":-0.006010083481669426},{"text":"It's been some time.","start":13.04,"end":14.34,"sentiment":"neutral","sentiment_score":0.007735898368991911},{"text":"You've been okay?","start":14.434999,"end":15.334999,"sentiment":"neutral","sentiment_score":0.11839485168457031},{"text":"Yes.","start":18.515,"end":19.015,"sentiment":"neutral","sentiment_score":0.14048662781715393},{"text":"Very much sorry, which is good.","start":19.154999,"end":21.234999,"sentiment":"neutral","sentiment_score":0.035932354629039764}],"sentiment":"neutral","sentiment_score":0.045636796072358266,"num_words":16,"start":12.639999,"end":21.234999},{"sentences":[{"text":"Comes with a lot more bills.","start":21.234999,"end":22.775,"sentiment":"neutral","sentiment_score":-0.23711359376708666},{"text":"But it's no.","start":24.755,"end":25.715,"sentiment":"neutral","sentiment_score":-0.013556266824404398},{"text":"It's been really good.","start":25.715,"end":26.79,"sentiment":"positive","sentiment_score":0.44523031264543533},{"text":"It's nice to have your your own place, which is nice.","start":26.95,"end":30.17,"sentiment":"positive","sentiment_score":0.5232607939026572},{"text":"Yeah.","start":31.670002,"end":31.91,"sentiment":"neutral","sentiment_score":0.12158747017383575}],"sentiment":"neutral","sentiment_score":0.24780108362436296,"num_words":25,"start":21.234999,"end":31.91},{"sentences":[{"text":"And how have you been?","start":31.91,"end":32.89,"sentiment":"neutral","sentiment_score":0.07783661782741547},{"text":"Yeah.","start":37.670002,"end":38.170002,"sentiment":"neutral","sentiment_score":-0.05088607221841812},{"text":"I mean yeah.","start":39.59,"end":41.690002,"sentiment":"neutral","sentiment_score":-0.033745959401130676},{"text":"Just because, obviously, like, inflation and prices and or is there anything specific that's happened?","start":41.75,"end":48.614998,"sentiment":"neutral","sentiment_score":-0.04864034801721573},{"text":"Do some renovation.","start":57.155,"end":58.11,"sentiment":"neutral","sentiment_score":-0.05200428143143654}],"sentiment":"neutral","sentiment_score":-0.024020700956936234,"num_words":27,"start":31.91,"end":58.11},{"sentences":[{"text":"Yeah.","start":59.79,"end":60.29,"sentiment":"neutral","sentiment_score":0.04973988234996796},{"text":"And you install some solar panels as well?","start":60.670002,"end":64.130005,"sentiment":"neutral","sentiment_score":0.05398342153057456},{"text":"Yep.","start":65.31,"end":65.81,"sentiment":"neutral","sentiment_score":0.1241522952914238},{"text":"Perfect.","start":65.87,"end":66.37,"sentiment":"neutral","sentiment_score":0.3069179058074951},{"text":"Hopefully, did they say, like, the turnaround time for when they think they'll start, like, saving and stuff like that as well?","start":66.67,"end":75.065,"sentiment":"neutral","sentiment_score":0.12089029259302399}],"sentiment":"neutral","sentiment_score":0.10825042099212155,"num_words":33,"start":59.79,"end":75.065},{"sentences":[{"text":"No?","start":79.045,"end":79.545,"sentiment":"neutral","sentiment_score":-0.16155503690242767},{"text":"Yes.","start":83.525,"end":84.025,"sentiment":"neutral","sentiment_score":0.022204512730240825},{"text":"At least solar will be good in hopefully saving a bit on the electricity.","start":84.244995,"end":88.265,"sentiment":"neutral","sentiment_score":0.054693187453917096},{"text":"Yeah.","start":89.68,"end":90.18,"sentiment":"neutral","sentiment_score":0.07700695097446442},{"text":"Yeah.","start":90.64,"end":91.12,"sentiment":"neutral","sentiment_score":0.17921042442321777}],"sentiment":"neutral","sentiment_score":0.04903174864335193,"num_words":18,"start":79.045,"end":91.12},{"sentences":[{"text":"We have solar in our house as well.","start":91.12,"end":93.840004,"sentiment":"neutral","sentiment_score":0.2561261039227247},{"text":"And with the the bills, especially during the day, like, in summer and stuff, if it gets really hot, it barely costs anything.","start":93.840004,"end":102.865,"sentiment":"neutral","sentiment_score":0.24157238654468371},{"text":"And I and I try to be mindful of, you know, doing washing and dishwasher and everything like that during the day, even on, like, the weekend and stuff to try to bring down the cost as well, which is which is helping.","start":103.965,"end":117.21,"sentiment":"neutral","sentiment_score":0.27244001176468163},{"text":"So, hopefully, that will start make making a bit of a difference for you as well.","start":117.45,"end":121.229996,"sentiment":"positive","sentiment_score":0.45392830297350883},{"text":"Yes.","start":127.45,"end":127.95,"sentiment":"neutral","sentiment_score":0.031001698225736615}],"sentiment":"neutral","sentiment_score":0.2924609755339858,"num_words":91,"start":91.12,"end":127.95},{"sentences":[{"text":"Yes.","start":129.61,"end":130.11,"sentiment":"neutral","sentiment_score":0.0741327553987503},{"text":"Yep.","start":146.37,"end":146.85,"sentiment":"neutral","sentiment_score":-0.1306641399860382},{"text":"And being young, it can be a bit more expensive too as a young male, potentially.","start":146.85,"end":151.35,"sentiment":"negative","sentiment_score":-0.3415499608963728},{"text":"Yeah.","start":154.77,"end":155.27,"sentiment":"neutral","sentiment_score":-0.12457631528377532},{"text":"Yes.","start":159.875,"end":160.35501,"sentiment":"neutral","sentiment_score":-0.005676851607859135}],"sentiment":"neutral","sentiment_score":-0.28257919629104433,"num_words":20,"start":129.61,"end":160.35501},{"sentences":[{"text":"Yes.","start":160.35501,"end":160.85501,"sentiment":"neutral","sentiment_score":-0.011523597873747349},{"text":"Very much so.","start":160.99501,"end":162.21501,"sentiment":"neutral","sentiment_score":-0.3276934822400411},{"text":"Oh, yeah.","start":165.79501,"end":166.375,"sentiment":"neutral","sentiment_score":-0.08003010228276253},{"text":"See see how it goes.","start":166.755,"end":168.13501,"sentiment":"neutral","sentiment_score":-0.020354306697845458},{"text":"Yeah.","start":168.91501,"end":169.41501,"sentiment":"neutral","sentiment_score":0.02913380227982998}],"sentiment":"neutral","sentiment_score":-0.10227516503073275,"num_words":12,"start":160.35501,"end":169.41501},{"sentences":[{"text":"Now, Connie, did I ever send you a a bit of a cash flow and budget last time, or do you think that will be something that would be helpful for you?","start":170.595,"end":180.67,"sentiment":"neutral","sentiment_score":0.10481934517156333},{"text":"Yep.","start":185.61,"end":186.09,"sentiment":"neutral","sentiment_score":0.014100312255322931},{"text":"Okay.","start":186.09,"end":186.585,"sentiment":"neutral","sentiment_score":0.0863807275891304},{"text":"That is probably most people to be fair are the same.","start":187.065,"end":190.125,"sentiment":"neutral","sentiment_score":0.09428693150932138},{"text":"So what I will do and, again, there's no pressure.","start":192.18501,"end":195.145,"sentiment":"neutral","sentiment_score":0.2721246093511581}],"sentiment":"neutral","sentiment_score":0.13114731682633812,"num_words":55,"start":170.595,"end":195.145},{"sentences":[{"text":"You can take your time.","start":195.145,"end":196.445,"sentiment":"positive","sentiment_score":0.42968716025352477},{"text":"I do think it's usually a good way.","start":196.66501,"end":198.18501,"sentiment":"positive","sentiment_score":0.5933548137545586},{"text":"I think it's good for anyone through kind of and, often, once you start getting a bit of a, you know, tracking on spending and where things go, it's then easier to be like, okay.","start":198.18501,"end":208.21999,"sentiment":"positive","sentiment_score":0.4548106551170349},{"text":"Well, maybe I can cancel this subscription, or I might not need this, or maybe I can reduce a little bit here and there depending on, you know, obviously, bills and expenses like that.","start":208.21999,"end":218.765,"sentiment":"neutral","sentiment_score":0.04972671333919553},{"text":"So what I will do is I will just send you by email.","start":219.465,"end":223.965,"sentiment":"neutral","sentiment_score":0.22586320455257708}],"sentiment":"neutral","sentiment_score":0.2888481805591207,"num_words":95,"start":195.145,"end":223.965},{"sentences":[{"text":"It is an Excel workbook.","start":224.505,"end":226.285,"sentiment":"neutral","sentiment_score":0.22512086629867553},{"text":"It is just like a a template just a general template for cash flow and budgeting, and it is a good starting point.","start":227.065,"end":235.61,"sentiment":"positive","sentiment_score":0.33488699210726697},{"text":"And it is pretty self explanatory as well.","start":235.61,"end":238.09001,"sentiment":"positive","sentiment_score":0.40622083097696304},{"text":"You can put in as much or as little, obviously, depending on the household.","start":238.09001,"end":242.11,"sentiment":"neutral","sentiment_score":0.3166793031351907},{"text":"And it is a good way to get started on kind of tracking everything.","start":242.89,"end":246.615,"sentiment":"positive","sentiment_score":0.4397312658173697}],"sentiment":"positive","sentiment_score":0.35417999629862607,"num_words":64,"start":224.505,"end":246.615},{"sentences":[{"text":"And then we can always work together that if it is that you completed and you don't really know what to do or if there's area where you struggle, you can always just let me know.","start":248.35501,"end":257.715,"sentiment":"neutral","sentiment_score":0.24898583711021477},{"text":"We can always book in a catch up and go through it to be like, okay.","start":257.715,"end":261.88,"sentiment":"neutral","sentiment_score":0.28927472047507763},{"text":"Is there any areas we can, you know, change things a little bit if it is making it hard cash flow wise with expenses?","start":261.88,"end":269.82,"sentiment":"neutral","sentiment_score":0.033428718568757176},{"text":"If you are on top of everything, I still think it's a really good good thing for everyone to do at some point because it gives you more awareness of things.","start":272.04,"end":281.57498,"sentiment":"positive","sentiment_score":0.765161354695597},{"text":"And I, like, I think it helps me as well.","start":282.995,"end":284.835,"sentiment":"positive","sentiment_score":0.6403419256210328}],"sentiment":"positive","sentiment_score":0.38049227488028187,"num_words":117,"start":248.35501,"end":284.835},{"sentences":[{"text":"I budget quite a bit, and I think it's really helpful, but I recommend it to all my friends as well.","start":284.835,"end":289.53,"sentiment":"positive","sentiment_score":0.7106952865918478},{"text":"It is a good just, like, awareness.","start":289.93,"end":291.79,"sentiment":"positive","sentiment_score":0.6995372005871364},{"text":"So even if it's like you're in a really good position, it's still good to be like, okay.","start":291.85,"end":295.13,"sentiment":"positive","sentiment_score":0.5581649988889694},{"text":"Well, maybe I'm spending a little bit more in this area or, you know, maybe I have a little bit of extra.","start":295.13,"end":300.65,"sentiment":"neutral","sentiment_score":0.24526481533592398},{"text":"Okay.","start":300.65,"end":300.88998,"sentiment":"neutral","sentiment_score":0.09389331191778184}],"sentiment":"positive","sentiment_score":0.5124355166934539,"num_words":69,"start":284.835,"end":300.88998},{"sentences":[{"text":"What do I wanna do with that money?","start":300.88998,"end":302.415,"sentiment":"neutral","sentiment_score":0.07263348530977964},{"text":"So it is a good thing to do, but there's no obviously time.","start":303.855,"end":308.095,"sentiment":"neutral","sentiment_score":0.32106091196720415},{"text":"So I will email that to you.","start":308.095,"end":309.795,"sentiment":"neutral","sentiment_score":0.25192483195236753},{"text":"And then whenever you have a moment, if it is something that you want to do, then have a have a go at completing it through best of your ability.","start":310.095,"end":319.78,"sentiment":"neutral","sentiment_score":0.28425363699595135},{"text":"And then you can always email it back to me, and we can always book in another catch up to run through it if you would like.","start":320.0,"end":326.02002,"sentiment":"neutral","sentiment_score":0.21406317860991866}],"sentiment":"neutral","sentiment_score":0.24500762934193893,"num_words":85,"start":300.88998,"end":326.02002},{"sentences":[{"text":"So but, again, obviously, no pressure on time.","start":328.56,"end":332.14502,"sentiment":"neutral","sentiment_score":0.023018990643322468},{"text":"It's just when I know life gets in the way all the time.","start":332.14502,"end":335.58502,"sentiment":"neutral","sentiment_score":0.024720778258947227},{"text":"So just whenever you want to, if it is something that would be helpful.","start":335.58502,"end":339.20502,"sentiment":"neutral","sentiment_score":0.15321027008550508},{"text":"Yeah.","start":340.625,"end":341.125,"sentiment":"neutral","sentiment_score":0.08369827270507812},{"text":"Mhmm.","start":341.905,"end":342.405,"sentiment":"neutral","sentiment_score":0.06115115433931351}],"sentiment":"neutral","sentiment_score":0.07554906083119882,"num_words":37,"start":328.56,"end":342.405},{"sentences":[{"text":"Now, Connie, what I have done, because this is your first annual review as well, is that I have just sent you an email with some documents to run through today if you have the option of accessing your email.","start":342.545,"end":358.785,"sentiment":"neutral","sentiment_score":0.1115262140519917},{"text":"Is that something you have access to or not really?","start":359.345,"end":362.085,"sentiment":"neutral","sentiment_score":0.02183594312518835},{"text":"Just later.","start":367.105,"end":369.285,"sentiment":"neutral","sentiment_score":0.1019946038722992},{"text":"I just wanna run through it with you first just to make sure sure you're happy with everything and you don't have any questions.","start":369.825,"end":375.0,"sentiment":"neutral","sentiment_score":0.24365068227052689},{"text":"Then I'll ask you to do it, but I'll just run through it with you first just to make sure, you know, you are happy with everything before I do get you to sign it.","start":375.7,"end":387.11502,"sentiment":"neutral","sentiment_score":0.19883431260074888}],"sentiment":"neutral","sentiment_score":0.15937130195130636,"num_words":111,"start":342.545,"end":387.11502},{"sentences":[{"text":"Mhmm.","start":387.11502,"end":387.61502,"sentiment":"neutral","sentiment_score":0.024965442717075348},{"text":"Percentage stays exactly the same.","start":389.67502,"end":391.355,"sentiment":"neutral","sentiment_score":0.09364412054419517},{"text":"There is no change because it's a percentage of your balance.","start":391.355,"end":395.695,"sentiment":"neutral","sentiment_score":-0.08400145173072815},{"text":"As you'll see if the balance goes up, it will naturally go up, but the percentage, so that 1.65, that stays exactly the same.","start":395.755,"end":405.75,"sentiment":"neutral","sentiment_score":0.06299579046511401},{"text":"There's no increases or anything like that to it.","start":405.75,"end":408.56998,"sentiment":"neutral","sentiment_score":-0.11368844285607338}],"sentiment":"neutral","sentiment_score":0.0011574612371623514,"num_words":50,"start":387.11502,"end":408.56998},{"sentences":[{"text":"Yeah.","start":410.31,"end":410.81,"sentiment":"neutral","sentiment_score":0.13392983376979828},{"text":"Now before I do jump into those documents, I will run through a bit of an updated fact find with you, Connie, just to see if there's anything major that's changed in your life that will require us to update and make potential changes to the advice.","start":412.15,"end":429.765,"sentiment":"neutral","sentiment_score":0.03605955106979038},{"text":"So just bear with me as I go through these questions.","start":431.03,"end":434.17,"sentiment":"neutral","sentiment_score":0.11461487683382901},{"text":"And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes?","start":435.43002,"end":446.10498,"sentiment":"neutral","sentiment_score":0.2143763508046827},{"text":"Yep.","start":447.525,"end":448.025,"sentiment":"neutral","sentiment_score":0.31439369916915894}],"sentiment":"neutral","sentiment_score":0.11043464783886141,"num_words":91,"start":410.31,"end":448.025},{"sentences":[{"text":"Perfect.","start":448.16498,"end":448.66498,"sentiment":"positive","sentiment_score":0.5486780405044556},{"text":"And even though I can hear that it is you, just for security purposes as well.","start":449.04498,"end":454.905,"sentiment":"neutral","sentiment_score":0.16692773858085275},{"text":"Yes.","start":457.925,"end":458.28,"sentiment":"neutral","sentiment_score":0.018182486295700073},{"text":"Yep.","start":460.84,"end":461.34,"sentiment":"neutral","sentiment_score":0.029639123007655144},{"text":"Perfect.","start":464.68,"end":465.16,"sentiment":"neutral","sentiment_score":0.32436588406562805}],"sentiment":"neutral","sentiment_score":0.17958546755835414,"num_words":20,"start":448.16498,"end":465.16},{"sentences":[{"text":"You know the drill.","start":465.16,"end":466.12,"sentiment":"neutral","sentiment_score":0.23420311138033867},{"text":"That's good.","start":466.12,"end":466.94,"sentiment":"positive","sentiment_score":0.4443347305059433},{"text":"Now has anything changed in your personal life?","start":469.08,"end":472.565,"sentiment":"neutral","sentiment_score":-0.02233586134389043},{"text":"I have you down here marital status.","start":472.565,"end":474.74503,"sentiment":"neutral","sentiment_score":-0.05128578096628189},{"text":"Obviously, single with one financial dependent.","start":474.96503,"end":477.30502,"sentiment":"neutral","sentiment_score":-0.05078431777656078}],"sentiment":"neutral","sentiment_score":0.03641069045773259,"num_words":27,"start":465.16,"end":477.30502},{"sentences":[{"text":"Yep.","start":479.045,"end":479.545,"sentiment":"neutral","sentiment_score":0.06121741235256195},{"text":"Perfect.","start":479.605,"end":480.105,"sentiment":"neutral","sentiment_score":0.1503157913684845},{"text":"Now I did realize here that, excuse me, we don't actually have a next of kin on file for you.","start":481.045,"end":487.29,"sentiment":"neutral","sentiment_score":-0.07154434248805046},{"text":"So that can be anybody, and it's just in the event that we can't contact you who is someone that we could call, and it's only if we can't get in touch with you.","start":487.75,"end":504.485,"sentiment":"neutral","sentiment_score":-0.10377518920337453},{"text":"Okay.","start":504.485,"end":504.985,"sentiment":"neutral","sentiment_score":-0.042538415640592575}],"sentiment":"neutral","sentiment_score":-0.08403944727360156,"num_words":57,"start":479.045,"end":504.985},{"sentences":[{"text":"Yep.","start":505.44498,"end":505.94498,"sentiment":"neutral","sentiment_score":-0.03964671120047569},{"text":"It can be okay.","start":506.085,"end":509.685,"sentiment":"neutral","sentiment_score":-0.08800450526177883},{"text":"That it can it can be anyone.","start":509.685,"end":511.04498,"sentiment":"neutral","sentiment_score":0.058812941291502545},{"text":"It can be family.","start":511.04498,"end":511.84,"sentiment":"neutral","sentiment_score":0.11437336169183254},{"text":"It can be a good friend, sibling.","start":511.84,"end":513.6,"sentiment":"neutral","sentiment_score":0.12323483931166786}],"sentiment":"neutral","sentiment_score":0.05826796429312747,"num_words":23,"start":505.44498,"end":513.6},{"sentences":[{"text":"It can be anybody, because this is just a a yes.","start":513.6,"end":518.0,"sentiment":"neutral","sentiment_score":0.0605946479534561},{"text":"Of course.","start":518.0,"end":518.48,"sentiment":"neutral","sentiment_score":0.06924013793468475},{"text":"You can.","start":518.48,"end":519.14,"sentiment":"neutral","sentiment_score":0.05037691816687584},{"text":"What are what are their name?","start":519.2,"end":520.66,"sentiment":"neutral","sentiment_score":0.011952009362479052},{"text":"Yep.","start":523.68,"end":524.18,"sentiment":"neutral","sentiment_score":0.008667921647429466}],"sentiment":"neutral","sentiment_score":0.04482523715970191,"num_words":22,"start":513.6,"end":524.18},{"sentences":[{"text":"Yep.","start":526.72003,"end":527.145,"sentiment":"neutral","sentiment_score":0.009949303232133389},{"text":"And last name?","start":527.305,"end":530.28503,"sentiment":"neutral","sentiment_score":0.0009599352876345316},{"text":"Do you know?","start":532.025,"end":532.84503,"sentiment":"neutral","sentiment_score":-0.006207847812523444},{"text":"Oh.","start":537.385,"end":537.885,"sentiment":"neutral","sentiment_score":0.00586128793656826},{"text":"Yep.","start":545.16,"end":545.39996,"sentiment":"neutral","sentiment_score":0.0050224317237734795}],"sentiment":"neutral","sentiment_score":0.0005654761464231544,"num_words":9,"start":526.72003,"end":545.39996},{"sentences":[{"text":"Yes.","start":545.39996,"end":545.89996,"sentiment":"neutral","sentiment_score":0.02160912379622459},{"text":"Perfect.","start":547.8,"end":548.3,"sentiment":"positive","sentiment_score":0.34923017024993896},{"text":"And phone number?","start":550.27997,"end":552.13995,"sentiment":"neutral","sentiment_score":0.0991340974966685},{"text":"O four zero four.","start":555.155,"end":556.435,"sentiment":"neutral","sentiment_score":0.01693826774135232},{"text":"Yep.","start":556.435,"end":556.935,"sentiment":"neutral","sentiment_score":0.02766699157655239}],"sentiment":"neutral","sentiment_score":0.07636616490781307,"num_words":10,"start":545.39996,"end":556.935},{"sentences":[{"text":"Three four four.","start":558.995,"end":560.03503,"sentiment":"neutral","sentiment_score":0.018227993821104366},{"text":"Yep.","start":560.03503,"end":560.53503,"sentiment":"neutral","sentiment_score":0.02509949915111065},{"text":"289.","start":562.195,"end":563.155,"sentiment":"neutral","sentiment_score":0.03567931801080704},{"text":"Perfect.","start":563.155,"end":563.635,"sentiment":"positive","sentiment_score":0.49191179871559143},{"text":"And that's exciting.","start":563.635,"end":564.57,"sentiment":"positive","sentiment_score":0.6119965016841888}],"sentiment":"neutral","sentiment_score":0.2714849002659321,"num_words":9,"start":558.995,"end":564.57},{"sentences":[{"text":"Yes.","start":566.49,"end":566.81,"sentiment":"neutral","sentiment_score":0.09737305343151093},{"text":"I do I'd I I thought sorry.","start":566.81,"end":569.05,"sentiment":"neutral","sentiment_score":0.025880293920636177},{"text":"But just for security, I just wanted to make sure we have the same the same number.","start":569.05,"end":573.47003,"sentiment":"neutral","sentiment_score":0.024335978771833813},{"text":"But that's very exciting with the wedding.","start":574.09,"end":575.93,"sentiment":"positive","sentiment_score":0.5365698465279171},{"text":"Is that is it local?","start":575.93,"end":577.15,"sentiment":"neutral","sentiment_score":0.11637521833181382}],"sentiment":"neutral","sentiment_score":0.1359489666851791,"num_words":37,"start":566.49,"end":577.15},{"sentences":[{"text":"Yeah.","start":579.41504,"end":579.91504,"sentiment":"neutral","sentiment_score":0.10198312997817992},{"text":"Oh, well, hopefully, the weather yeah.","start":580.215,"end":583.11505,"sentiment":"neutral","sentiment_score":0.10761759926875432},{"text":"Well, hopefully, the weather will turn out nice because we're rain raining a lot here lately.","start":583.655,"end":590.635,"sentiment":"neutral","sentiment_score":0.2436362812295556},{"text":"So so I'll just note just let her down just as a next step.","start":590.85504,"end":594.49,"sentiment":"neutral","sentiment_score":0.13530059637767927},{"text":"Kin, and, again, it's only in the event that we can't get in touch with you.","start":594.49,"end":597.29004,"sentiment":"neutral","sentiment_score":-0.012334108236245811}],"sentiment":"neutral","sentiment_score":0.11967418571266364,"num_words":53,"start":579.41504,"end":597.29004},{"sentences":[{"text":"She doesn't have to do anything.","start":597.29004,"end":598.57,"sentiment":"neutral","sentiment_score":-0.050623645074665546},{"text":"It's just just, yeah, for some reason if we can't.","start":598.57,"end":601.55,"sentiment":"neutral","sentiment_score":-0.0542424026876688},{"text":"Now has anything changed with your occupation?","start":603.13,"end":605.575,"sentiment":"neutral","sentiment_score":-0.015210202229874474},{"text":"Are you still working at the hospital as a nurse?","start":606.03503,"end":608.775,"sentiment":"neutral","sentiment_score":-0.03200303744524717},{"text":"Yep.","start":609.715,"end":610.215,"sentiment":"neutral","sentiment_score":0.04338564723730087}],"sentiment":"neutral","sentiment_score":-0.03615535412202863,"num_words":34,"start":597.29004,"end":610.215},{"sentences":[{"text":"Perfect.","start":610.515,"end":611.015,"sentiment":"neutral","sentiment_score":0.24047733843326569},{"text":"Perfect.","start":612.03503,"end":612.53503,"sentiment":"neutral","sentiment_score":0.24909673631191256},{"text":"Now with your income, I know, obviously, it fluctuates roughly fluctuates.","start":614.03503,"end":621.92004,"sentiment":"neutral","sentiment_score":0.0035618151199411263},{"text":"But I had down around the 80,000, and then last financial year, it was around 110.","start":623.26,"end":630.16003,"sentiment":"neutral","sentiment_score":-0.04046808718703687},{"text":"Do you know roughly if that's the same or has it changed?","start":630.7,"end":634.13495,"sentiment":"neutral","sentiment_score":-0.04398071952164173}],"sentiment":"neutral","sentiment_score":-0.015768389955799027,"num_words":41,"start":610.515,"end":634.13495},{"sentences":[{"text":"Still the same.","start":636.51495,"end":637.31494,"sentiment":"neutral","sentiment_score":-0.01723771169781685},{"text":"Okay.","start":637.31494,"end":637.81494,"sentiment":"neutral","sentiment_score":0.11064548790454865},{"text":"Perfect.","start":637.875,"end":638.375,"sentiment":"neutral","sentiment_score":0.22684916853904724},{"text":"When it comes to savings, I think I have here about 225 a week.","start":640.035,"end":648.31,"sentiment":"neutral","sentiment_score":0.05035860517195293},{"text":"Does that sound about right?","start":650.37,"end":652.63,"sentiment":"neutral","sentiment_score":0.018787312880158426}],"sentiment":"neutral","sentiment_score":0.045197439923261605,"num_words":24,"start":636.51495,"end":652.63},{"sentences":[{"text":"Went like a a weekly savings.","start":655.49,"end":657.81,"sentiment":"neutral","sentiment_score":-0.007463386282324791},{"text":"So how much money you put aside after bills and expenses?","start":657.81,"end":666.67505,"sentiment":"neutral","sentiment_score":0.027202180163426834},{"text":"Yeah.","start":666.97504,"end":667.455,"sentiment":"neutral","sentiment_score":0.08796544373035431},{"text":"Perfect.","start":667.455,"end":667.955,"sentiment":"neutral","sentiment_score":0.2356151193380356},{"text":"Now still same arrangement, obviously, with your contributions.","start":669.85504,"end":674.19,"sentiment":"neutral","sentiment_score":0.10732511174865067}],"sentiment":"neutral","sentiment_score":0.05320833782079043,"num_words":27,"start":655.49,"end":674.19},{"sentences":[{"text":"I had a look at your salary sacrifice as well.","start":674.25,"end":676.64996,"sentiment":"neutral","sentiment_score":0.11033589169383048},{"text":"It's gone up about $4 a fortnight, so that's good.","start":676.64996,"end":680.08997,"sentiment":"neutral","sentiment_score":0.3051189288496971},{"text":"So I'll update that.","start":680.08997,"end":681.55,"sentiment":"neutral","sentiment_score":0.22378399223089218},{"text":"With your assets, so I have here your property was last valued at about 650,000.","start":683.20996,"end":689.875,"sentiment":"neutral","sentiment_score":0.039976339290539425},{"text":"Do you know if that's gone up a little bit or if it's changed?","start":690.575,"end":693.715,"sentiment":"neutral","sentiment_score":-0.012151519967509168}],"sentiment":"neutral","sentiment_score":0.10338128272022279,"num_words":53,"start":674.25,"end":693.715},{"sentences":[{"text":"No.","start":699.375,"end":699.61505,"sentiment":"neutral","sentiment_score":-0.16480574011802673},{"text":"That's okay.","start":699.61505,"end":700.435,"sentiment":"neutral","sentiment_score":-0.09537901729345322},{"text":"Mortgage, you have about 217.","start":702.33,"end":704.99005,"sentiment":"neutral","sentiment_score":-0.017101344279944898},{"text":"Does that sound about right?","start":706.09,"end":707.55005,"sentiment":"neutral","sentiment_score":-0.02105543911457062},{"text":"Oh, that's perfect.","start":711.69,"end":712.75,"sentiment":"positive","sentiment_score":0.46615079045295715}],"sentiment":"neutral","sentiment_score":0.053256542480085045,"num_words":16,"start":699.375,"end":712.75},{"sentences":[{"text":"That's good.","start":713.13,"end":713.93005,"sentiment":"positive","sentiment_score":0.656028151512146},{"text":"I'll update that.","start":713.93005,"end":715.15,"sentiment":"neutral","sentiment_score":0.3073051969210307},{"text":"You also have the the motor vehicle, the Honda at about 12,000.","start":716.03503,"end":720.775,"sentiment":"neutral","sentiment_score":0.037810871532807745},{"text":"Oh, no.","start":724.59503,"end":725.41504,"sentiment":"neutral","sentiment_score":-0.08856085315346718},{"text":"Goodness.","start":726.275,"end":726.755,"sentiment":"neutral","sentiment_score":-0.0027904212474823}],"sentiment":"neutral","sentiment_score":0.12538951123133302,"num_words":20,"start":713.13,"end":726.755},{"sentences":[{"text":"You're you okay?","start":726.755,"end":728.53503,"sentiment":"neutral","sentiment_score":-0.03947469964623451},{"text":"Yeah.","start":730.76996,"end":731.26996,"sentiment":"neutral","sentiment_score":0.01797501929104328},{"text":"Yeah.","start":733.32996,"end":733.82996,"sentiment":"neutral","sentiment_score":0.03667941316962242},{"text":"Okay.","start":734.13,"end":734.52997,"sentiment":"neutral","sentiment_score":0.048434533178806305},{"text":"Well, that's 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obviously, the solar, do you have any other, like, personal loans or credit cards or anything like that?","start":813.95996,"end":823.18,"sentiment":"neutral","sentiment_score":0.022568997128733566},{"text":"No.","start":824.27997,"end":824.535,"sentiment":"neutral","sentiment_score":-0.1413414478302002}],"sentiment":"neutral","sentiment_score":0.04539184281602502,"num_words":30,"start":806.505,"end":824.535},{"sentences":[{"text":"Great.","start":824.535,"end":825.035,"sentiment":"neutral","sentiment_score":0.12016287446022034},{"text":"Okay.","start":832.055,"end":832.555,"sentiment":"neutral","sentiment_score":0.1836438775062561},{"text":"Perfect.","start":833.33496,"end":833.83496,"sentiment":"positive","sentiment_score":0.4267318844795227},{"text":"Do you know when it's kind of due to 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anything?","start":864.83997,"end":870.06,"sentiment":"neutral","sentiment_score":-0.01002524010837078}],"sentiment":"neutral","sentiment_score":-0.0035306249999187207,"num_words":22,"start":858.755,"end":870.06},{"sentences":[{"text":"No?","start":871.32,"end":871.82,"sentiment":"neutral","sentiment_score":-0.09834285080432892},{"text":"Oh, beautiful.","start":876.51996,"end":877.405,"sentiment":"positive","sentiment_score":0.47599169611930847},{"text":"That's good.","start":877.545,"end":878.10504,"sentiment":"positive","sentiment_score":0.5820502042770386},{"text":"Just for general kind of health and well-being.","start":878.10504,"end":881.005,"sentiment":"positive","sentiment_score":0.36613127030432224},{"text":"Yeah.","start":881.385,"end":881.78503,"sentiment":"neutral","sentiment_score":0.2584657669067383}],"sentiment":"positive","sentiment_score":0.371804062809263,"num_words":14,"start":871.32,"end":881.78503},{"sentences":[{"text":"Oh, that's nice.","start":881.78503,"end":882.84503,"sentiment":"positive","sentiment_score":0.4562489191691081},{"text":"And, Conner, do you have private health insurance?","start":883.305,"end":885.565,"sentiment":"neutral","sentiment_score":0.03906491328962147},{"text":"Yep.","start":888.425,"end":888.825,"sentiment":"neutral","sentiment_score":0.09363828599452972},{"text":"Perfect.","start":888.825,"end":889.325,"sentiment":"neutral","sentiment_score":0.28931382298469543},{"text":"Yep.","start":890.745,"end":891.22504,"sentiment":"neutral","sentiment_score":0.15982574224472046}],"sentiment":"neutral","sentiment_score":0.15886027964630298,"num_words":14,"start":881.78503,"end":891.22504},{"sentences":[{"text":"Great.","start":891.22504,"end":891.72504,"sentiment":"positive","sentiment_score":0.3902321457862854},{"text":"Now when it comes to estate planning, I have here that you you have a will in place.","start":892.98004,"end":898.82,"sentiment":"neutral","sentiment_score":0.13044907483789656},{"text":"And last time we spoke, you kind of had it recently updated.","start":898.82,"end":902.28,"sentiment":"neutral","sentiment_score":0.042023144817600645},{"text":"Does that ring a bell?","start":905.86005,"end":906.795,"sentiment":"neutral","sentiment_score":-0.0051775950938463215},{"text":"Might be a while.","start":908.315,"end":909.295,"sentiment":"neutral","sentiment_score":-0.04738679248839617}],"sentiment":"neutral","sentiment_score":0.07567895213142037,"num_words":40,"start":891.22504,"end":909.295},{"sentences":[{"text":"Do you think it needs updating, or has nothing really major 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correct?","start":930.79,"end":931.61,"sentiment":"neutral","sentiment_score":0.10622364655137063},{"text":"Yep.","start":932.47,"end":932.97,"sentiment":"neutral","sentiment_score":0.08310020714998245},{"text":"Perfect.","start":933.285,"end":933.785,"sentiment":"neutral","sentiment_score":0.20546770095825195},{"text":"And are you involved in politics as well?","start":935.045,"end":938.40497,"sentiment":"neutral","sentiment_score":0.03817353001795709},{"text":"Are you politically exposed by any chance?","start":938.40497,"end":940.985,"sentiment":"neutral","sentiment_score":-0.026607047766447067}],"sentiment":"neutral","sentiment_score":0.032639689841552785,"num_words":19,"start":930.79,"end":940.985},{"sentences":[{"text":"No?","start":944.165,"end":944.665,"sentiment":"neutral","sentiment_score":-0.04831375181674957},{"text":"Perfect.","start":944.805,"end":945.305,"sentiment":"neutral","sentiment_score":0.017978359013795853},{"text":"And do you earn any income overseas at all?","start":947.2,"end":950.10004,"sentiment":"neutral","sentiment_score":-0.02629984128806326},{"text":"No.","start":952.64,"end":953.14,"sentiment":"neutral","sentiment_score":-0.1394212543964386},{"text":"Nope.","start":954.08,"end":954.48004,"sentiment":"neutral","sentiment_score":-0.1324431151151657}],"sentiment":"neutral","sentiment_score":-0.04145371799285595,"num_words":13,"start":944.165,"end":954.48004},{"sentences":[{"text":"Perfect.","start":954.48004,"end":954.98004,"sentiment":"neutral","sentiment_score":0.04439438879489899},{"text":"Now that was basically all of those personal details I needed to go through.","start":956.0,"end":960.26,"sentiment":"neutral","sentiment_score":0.02444907437477793},{"text":"And, otherwise, what we do kind of focus on and set for the next twelve months is just some goals that you are working to with, and then we can kind of help together working on them.","start":962.575,"end":972.89496,"sentiment":"neutral","sentiment_score":0.22615743405814911},{"text":"And then next under review is a good kind of checking point to see, well, how did you went with those goals the last twelve months, or if anything has changed.","start":972.89496,"end":981.52,"sentiment":"positive","sentiment_score":0.3921043296014109},{"text":"So for the next twelve months, is there any goals that you are working towards?","start":982.38,"end":989.34,"sentiment":"neutral","sentiment_score":0.22991648217042288}],"sentiment":"neutral","sentiment_score":0.24855599939176926,"num_words":98,"start":954.48004,"end":989.34},{"sentences":[{"text":"Now it doesn't have to be just financial.","start":989.34,"end":991.28503,"sentiment":"neutral","sentiment_score":0.09956290991976857},{"text":"It can be personal goals or wanting to do some travel.","start":991.28503,"end":994.645,"sentiment":"neutral","sentiment_score":0.18690651926127347},{"text":"Is there anything that you have that you would like to focus on in the next twelve months?","start":994.645,"end":999.465,"sentiment":"neutral","sentiment_score":0.23600906299220192},{"text":"Yeah.","start":1011.06,"end":1011.56,"sentiment":"neutral","sentiment_score":0.08912160992622375},{"text":"Yep.","start":1011.86,"end":1012.36,"sentiment":"neutral","sentiment_score":0.07520680129528046}],"sentiment":"neutral","sentiment_score":0.18628119323880243,"num_words":39,"start":989.34,"end":1012.36},{"sentences":[{"text":"Yep.","start":1013.62,"end":1014.12,"sentiment":"neutral","sentiment_score":0.10358550399541856},{"text":"Yep.","start":1014.26,"end":1014.76,"sentiment":"neutral","sentiment_score":0.16833144426345825},{"text":"Yep.","start":1021.195,"end":1021.67505,"sentiment":"neutral","sentiment_score":0.0649876818060875},{"text":"Yep.","start":1021.67505,"end":1022.17505,"sentiment":"neutral","sentiment_score":0.05940459668636322},{"text":"Yep.","start":1022.23505,"end":1022.73505,"sentiment":"neutral","sentiment_score":0.05702098459005356}],"sentiment":"neutral","sentiment_score":0.09066604226827621,"num_words":5,"start":1013.62,"end":1022.73505},{"sentences":[{"text":"Yes.","start":1027.515,"end":1027.8,"sentiment":"neutral","sentiment_score":-0.03121498040854931},{"text":"Yep.","start":1029.24,"end":1029.64,"sentiment":"neutral","sentiment_score":0.030008316040039062},{"text":"Yep.","start":1029.64,"end":1030.14,"sentiment":"neutral","sentiment_score":0.0398516021668911},{"text":"Just No.","start":1031.8,"end":1033.64,"sentiment":"neutral","sentiment_score":-0.020541144534945488},{"text":"That's okay.","start":1033.64,"end":1034.54,"sentiment":"neutral","sentiment_score":0.11347497999668121}],"sentiment":"neutral","sentiment_score":0.03207322981740747,"num_words":7,"start":1027.515,"end":1034.54},{"sentences":[{"text":"And aside from from that, are you still kind of just focusing on gradually paying down the mortgage otherwise?","start":1035.4,"end":1043.18,"sentiment":"neutral","sentiment_score":0.0573059638079844},{"text":"Is that still kind of a goal?","start":1043.4,"end":1048.185,"sentiment":"neutral","sentiment_score":0.059527656329529624},{"text":"Yep.","start":1048.185,"end":1048.685,"sentiment":"neutral","sentiment_score":0.06036587804555893},{"text":"Mhmm.","start":1055.79,"end":1056.29,"sentiment":"neutral","sentiment_score":-0.012267393991351128},{"text":"Yep.","start":1066.91,"end":1067.41,"sentiment":"neutral","sentiment_score":0.04530300199985504}],"sentiment":"neutral","sentiment_score":0.055134772162499096,"num_words":29,"start":1035.4,"end":1067.41},{"sentences":[{"text":"Yeah.","start":1067.55,"end":1067.895,"sentiment":"neutral","sentiment_score":0.05114462599158287},{"text":"Just kind of a secondary.","start":1072.615,"end":1073.915,"sentiment":"neutral","sentiment_score":0.03664345070719719},{"text":"Mhmm.","start":1074.935,"end":1075.435,"sentiment":"neutral","sentiment_score":0.0373058021068573},{"text":"Mhmm.","start":1080.535,"end":1081.035,"sentiment":"neutral","sentiment_score":0.022514693439006805},{"text":"At Self Note Superfund?","start":1095.4801,"end":1096.8601,"sentiment":"neutral","sentiment_score":0.03135025454685092}],"sentiment":"neutral","sentiment_score":0.03496528277173638,"num_words":12,"start":1067.55,"end":1096.8601},{"sentences":[{"text":"Yes.","start":1098.295,"end":1098.795,"sentiment":"neutral","sentiment_score":0.1321408450603485},{"text":"And with the self managed super fund, there is a lot of there is a lot of talks around it.","start":1099.9751,"end":1105.515,"sentiment":"neutral","sentiment_score":0.06808483768254518},{"text":"And for some clients, it can be great.","start":1106.055,"end":1111.13,"sentiment":"neutral","sentiment_score":0.1915846336632967},{"text":"It's not for everyone.","start":1111.43,"end":1112.7301,"sentiment":"neutral","sentiment_score":-0.17561755701899529},{"text":"And I have seen, yeah, and I have seen more self managed super funds being closed down than.","start":1113.03,"end":1121.53,"sentiment":"neutral","sentiment_score":-0.1500310521158907}],"sentiment":"neutral","sentiment_score":-0.007382637218517416,"num_words":51,"start":1098.295,"end":1121.53},{"sentences":[{"text":"And a lot of it is because it's very complex to run.","start":1122.55,"end":1126.905,"sentiment":"neutral","sentiment_score":-0.27686430513858795},{"text":"There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like.","start":1127.365,"end":1138.81,"sentiment":"neutral","sentiment_score":-0.13334740608416754},{"text":"But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant.","start":1138.81,"end":1144.67,"sentiment":"negative","sentiment_score":-0.3653807271094549},{"text":"You will have to have, like, an accountant to do all the auditing and and stuff like that.","start":1145.53,"end":1150.17,"sentiment":"neutral","sentiment_score":-0.222385473549366},{"text":"So it is quite complex, and it's a lot more costly than your traditional superannuation.","start":1150.17,"end":1156.2749,"sentiment":"negative","sentiment_score":-0.51398490468661}],"sentiment":"neutral","sentiment_score":-0.27973846106937056,"num_words":95,"start":1122.55,"end":1156.2749},{"sentences":[{"text":"Most people go down the self managed super fund because you want to buy an investment property, or they have, like, a couple who joins their superannuation, and they have quite a lot of money in there that they want to buy a property and also have an investment portfolio and stuff like that, which it can be really great for.","start":1158.095,"end":1178.59,"sentiment":"neutral","sentiment_score":0.28510313224597056},{"text":"Often, when I look at it, a lot of the cost and fees are very high.","start":1179.61,"end":1185.825,"sentiment":"negative","sentiment_score":-0.4670656491070986},{"text":"And then you also have to worry about, okay.","start":1186.125,"end":1188.445,"sentiment":"neutral","sentiment_score":-0.28627943827046287},{"text":"Well, if I put it in a property, is everything into that property?","start":1188.445,"end":1192.705,"sentiment":"neutral","sentiment_score":-0.20035169101678407},{"text":"So if I need to draw some money out, everything's locked into the property, it will make it a bit difficult, and, you know, everything is into one asset.","start":1192.765,"end":1202.24,"sentiment":"negative","sentiment_score":-0.5081727967180055}],"sentiment":"neutral","sentiment_score":-0.07812388555612415,"num_words":128,"start":1158.095,"end":1202.24},{"sentences":[{"text":"So if something were to happen to one particular asset, it's obviously a lot higher risk of something fluctuating than the way that things are structured at the moment where you have, you know, money in a lot of different different things.","start":1202.24,"end":1216.105,"sentiment":"negative","sentiment_score":-0.4548877229293187},{"text":"So if something happens to one thing, you have other things to kind of balance it out.","start":1216.105,"end":1220.365,"sentiment":"negative","sentiment_score":-0.34563879581058726},{"text":"And with ASIC as well, so they say that to even make it kind of worthwhile just from a fee point of view, and it's not necessarily a property, just from a fee point of view in regards to a self managed super fund.","start":1222.505,"end":1236.38,"sentiment":"neutral","sentiment_score":0.12358510815961794},{"text":"They don't suggest anyone under 250,000 for self managed super fund, and some industry experts even says closer to 500 from a fee point of view.","start":1236.92,"end":1248.155,"sentiment":"neutral","sentiment_score":0.0014753126754210543},{"text":"So if if the goal is adjust my property, that is an avenue to explore.","start":1249.8151,"end":1256.7201,"sentiment":"neutral","sentiment_score":0.28877955774466196}],"sentiment":"neutral","sentiment_score":-0.10537046970178683,"num_words":144,"start":1202.24,"end":1256.7201},{"sentences":[{"text":"If the goal is to grow it as much as you can, have as much money as you can, and then draw an income from your superannuation between obviously now and when you want to retire, it's not always the best avenue.","start":1257.3401,"end":1270.0349,"sentiment":"neutral","sentiment_score":0.21025113619509198},{"text":"So it kind of depends on everyone's situation, but I'll make a little note that, you know, it's something that maybe you want to explore through time.","start":1270.255,"end":1279.075,"sentiment":"neutral","sentiment_score":0.1255426100903639},{"text":"But I think right now from where the super balance is, I think the fees would be too much to warrant to warrant to warrant it.","start":1280.335,"end":1290.89,"sentiment":"negative","sentiment_score":-0.3397019857970568},{"text":"But if it is something that you are, like, very adamant about or you call me like, no.","start":1291.51,"end":1295.5901,"sentiment":"neutral","sentiment_score":-0.08656026091840532},{"text":"I do really want it, then we do have the capacity to do the research and stuff like that.","start":1295.5901,"end":1300.155,"sentiment":"neutral","sentiment_score":-0.0012401118874549866}],"sentiment":"neutral","sentiment_score":0.013684088935736905,"num_words":132,"start":1257.3401,"end":1300.155},{"sentences":[{"text":"But it is a lot more costly.","start":1300.155,"end":1302.335,"sentiment":"neutral","sentiment_score":-0.17512493899890355},{"text":"Okay.","start":1302.875,"end":1303.195,"sentiment":"neutral","sentiment_score":0.17587900161743164},{"text":"Good.","start":1303.195,"end":1303.695,"sentiment":"positive","sentiment_score":0.3661779165267944},{"text":"If it is that you change your mind, though, you know, just let me know, and we can know it's explored.","start":1304.315,"end":1308.395,"sentiment":"neutral","sentiment_score":0.24657539881411053},{"text":"But I think from, obviously, your goals and where things are at, I don't think it's the right avenue right now.","start":1308.395,"end":1313.85,"sentiment":"neutral","sentiment_score":-0.0896612937961306}],"sentiment":"neutral","sentiment_score":0.051203500990774115,"num_words":51,"start":1300.155,"end":1313.85},{"sentences":[{"text":"So yes and no.","start":1318.49,"end":1319.95,"sentiment":"neutral","sentiment_score":0.09124741144478321},{"text":"It is it is a good investment because it's more of your defensive investment.","start":1320.33,"end":1325.15,"sentiment":"neutral","sentiment_score":0.27944671149764744},{"text":"But at the same time, the prices are so high at the moment that if you are buying it now, you've kind of also lost a little bit of that growth because it's it's very, very high at the moment, which is great if you bought in early.","start":1325.61,"end":1339.675,"sentiment":"neutral","sentiment_score":-0.21636075604086122},{"text":"So in your superannuation, we we have gold we have gold in your superannuation as part of your portfolio, which is great.","start":1339.675,"end":1348.05,"sentiment":"neutral","sentiment_score":0.21306729316711426},{"text":"So you already have a bit of gold included in that.","start":1348.05,"end":1350.79,"sentiment":"neutral","sentiment_score":0.23331958461891522}],"sentiment":"neutral","sentiment_score":0.011574981790600401,"num_words":99,"start":1318.49,"end":1350.79},{"sentences":[{"text":"If you are buying a lot of it now, it's you know, the prices are quite high.","start":1351.41,"end":1356.915,"sentiment":"neutral","sentiment_score":-0.04716205399702577},{"text":"Mhmm.","start":1357.775,"end":1358.0951,"sentiment":"neutral","sentiment_score":-0.036794159561395645},{"text":"And then, also, you'd wanna make sure you're not true what what the goals are, or you don't wanna be too concentrated into the one area, and if if it's a matter of drawing income and stuff like that.","start":1358.0951,"end":1371.5,"sentiment":"neutral","sentiment_score":-0.0465591525993286},{"text":"So we do have some clients who just wants to go invest a little bit themselves, which is obviously perfectly fine.","start":1371.5,"end":1377.6,"sentiment":"neutral","sentiment_score":0.2155817463284447},{"text":"If it is specific, you know, research reports and stuff like that, we have access to all of it.","start":1378.46,"end":1384.495,"sentiment":"neutral","sentiment_score":0.23834213614463806}],"sentiment":"neutral","sentiment_score":0.06599341475011147,"num_words":97,"start":1351.41,"end":1384.495},{"sentences":[{"text":"I'm more than happy to send you everything.","start":1384.495,"end":1386.435,"sentiment":"positive","sentiment_score":0.5692910887300968},{"text":"But, ultimately, it's also thinking of it from from a whole holistic point of view that, you know, if how much do you wanna invest?","start":1387.2151,"end":1396.8151,"sentiment":"neutral","sentiment_score":0.13374629557132722},{"text":"Where do you want that money to come from?","start":1396.8151,"end":1398.255,"sentiment":"neutral","sentiment_score":0.004020730111127097},{"text":"If you want it from emergency saving account, for example, then that will if something were to happen, you don't have that, and then you're locked into gold.","start":1398.255,"end":1405.27,"sentiment":"neutral","sentiment_score":0.03652124755483653},{"text":"And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that.","start":1405.27,"end":1414.205,"sentiment":"neutral","sentiment_score":0.13086007727730659}],"sentiment":"neutral","sentiment_score":0.12884584155699036,"num_words":101,"start":1384.495,"end":1414.205},{"sentences":[{"text":"So it it's not like, gold as as itself is a very good defensive investment and is a good base to have to it portfolio, but it also has a place.","start":1415.865,"end":1428.2,"sentiment":"positive","sentiment_score":0.46594863264791425},{"text":"And like I said, right now, it is quite high.","start":1428.2,"end":1430.38,"sentiment":"neutral","sentiment_score":0.11362548023462296},{"text":"So then the thought is also, okay.","start":1430.76,"end":1432.44,"sentiment":"neutral","sentiment_score":0.0692126883992127},{"text":"Well, do you want to buy it now when the prices have increased so much already, or is it you know?","start":1432.44,"end":1440.255,"sentiment":"neutral","sentiment_score":-0.011898181711634},{"text":"But yes.","start":1451.615,"end":1456.195,"sentiment":"neutral","sentiment_score":0.0324415136128664}],"sentiment":"neutral","sentiment_score":0.2236644006268659,"num_words":71,"start":1415.865,"end":1456.195},{"sentences":[{"text":"Yes.","start":1456.39,"end":1456.71,"sentiment":"neutral","sentiment_score":0.08326062560081482},{"text":"Yes.","start":1456.71,"end":1456.95,"sentiment":"neutral","sentiment_score":0.09118188917636871},{"text":"Yes.","start":1456.95,"end":1457.27,"sentiment":"neutral","sentiment_score":0.11123649775981904},{"text":"Correct.","start":1457.27,"end":1457.75,"sentiment":"neutral","sentiment_score":0.142057403922081},{"text":"Yes.","start":1457.75,"end":1458.15,"sentiment":"neutral","sentiment_score":0.07174225896596909}],"sentiment":"neutral","sentiment_score":0.09989573508501053,"num_words":5,"start":1456.39,"end":1458.15},{"sentences":[{"text":"Yep.","start":1458.15,"end":1458.65,"sentiment":"neutral","sentiment_score":-0.013899853453040125},{"text":"Yeah.","start":1473.525,"end":1474.005,"sentiment":"neutral","sentiment_score":0.0843721330165863},{"text":"Which is a perfect which is a perfect question, and it's very valid.","start":1474.005,"end":1477.465,"sentiment":"positive","sentiment_score":0.4277203186200215},{"text":"And I do wanna potentially I would like to do a bit more research and and see if we wanna swap some things out.","start":1478.085,"end":1484.6901,"sentiment":"neutral","sentiment_score":0.1350698365519444},{"text":"But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio.","start":1484.6901,"end":1495.51,"sentiment":"neutral","sentiment_score":0.16579705838646208}],"sentiment":"neutral","sentiment_score":0.1983163451675225,"num_words":74,"start":1458.15,"end":1495.51},{"sentences":[{"text":"It shows you what's happened in last twelve months and fees and the different investments.","start":1495.5701,"end":1499.255,"sentiment":"neutral","sentiment_score":0.1186164528131485},{"text":"So do you have access to that email?","start":1501.075,"end":1505.335,"sentiment":"neutral","sentiment_score":0.047666171099990606},{"text":"Now before you before you click on the link where it says to sign, it should show you a couple of different attachments first.","start":1505.475,"end":1513.89,"sentiment":"neutral","sentiment_score":0.04587084831049045},{"text":"Can you see those?","start":1513.89,"end":1514.85,"sentiment":"neutral","sentiment_score":0.04270405042916536},{"text":"Yeah.","start":1514.85,"end":1515.35,"sentiment":"neutral","sentiment_score":0.07487756013870239}],"sentiment":"neutral","sentiment_score":0.06744558235200551,"num_words":52,"start":1495.5701,"end":1515.35},{"sentences":[{"text":"Yep.","start":1515.4099,"end":1515.9099,"sentiment":"neutral","sentiment_score":0.0848090872168541},{"text":"Now to make it easier for you, you can tell me which order you have the document so we can go through it that way.","start":1517.01,"end":1524.135,"sentiment":"neutral","sentiment_score":0.1691533812880516},{"text":"So what do you have first?","start":1524.1951,"end":1525.8151,"sentiment":"neutral","sentiment_score":0.040992097929120064},{"text":"What can you see?","start":1528.435,"end":1529.5751,"sentiment":"neutral","sentiment_score":0.020937603432685137},{"text":"Yes.","start":1531.9551,"end":1532.435,"sentiment":"neutral","sentiment_score":0.009543134830892086}],"sentiment":"neutral","sentiment_score":0.12575377717714858,"num_words":37,"start":1515.4099,"end":1532.435},{"sentences":[{"text":"So I won't get you to open that one and the financial services guide because it's one of those do you remember that, guide when you came in for your initial consultation that we went through that had our photos and you had the oak tree and, you know, the service, the one that you took home, with you.","start":1532.435,"end":1551.3251,"sentiment":"neutral","sentiment_score":0.002741182949078285},{"text":"Yeah.","start":1551.385,"end":1551.865,"sentiment":"neutral","sentiment_score":0.14604216814041138},{"text":"So it's just an updated version of that one for you.","start":1551.865,"end":1554.8251,"sentiment":"neutral","sentiment_score":0.32046758044849744},{"text":"So we've had a bit of an extension to the team, which is nice.","start":1554.8251,"end":1558.6051,"sentiment":"positive","sentiment_score":0.48144775203296114},{"text":"But when you have a moment, have a look through them.","start":1558.8251,"end":1561.305,"sentiment":"neutral","sentiment_score":0.22661273723298853}],"sentiment":"neutral","sentiment_score":0.13610337484472743,"num_words":96,"start":1532.435,"end":1561.305},{"sentences":[{"text":"We've had a bit of an we've introduced kind of marketing material as well.","start":1561.305,"end":1567.29,"sentiment":"neutral","sentiment_score":0.25214777354683193},{"text":"So you'll see it has a little bit of a revamp to it, which is nice, and you will see a a bigger extension to our team.","start":1567.29,"end":1574.27,"sentiment":"positive","sentiment_score":0.4491761900760509},{"text":"Otherwise, it is quite similar to the the old one.","start":1575.2101,"end":1578.09,"sentiment":"neutral","sentiment_score":-0.03886694870889187},{"text":"It's just an updated version.","start":1578.09,"end":1579.455,"sentiment":"neutral","sentiment_score":0.0627666600048542},{"text":"So all that information is there if you do wanna have a read over it.","start":1580.975,"end":1584.755,"sentiment":"neutral","sentiment_score":0.10074867606163025}],"sentiment":"neutral","sentiment_score":0.24076366078265957,"num_words":71,"start":1561.305,"end":1584.755},{"sentences":[{"text":"But it's quite long, so I won't go through all of that with you again.","start":1585.215,"end":1589.235,"sentiment":"neutral","sentiment_score":-0.16124033282200495},{"text":"Now what's the next one there for you?","start":1590.735,"end":1596.57,"sentiment":"neutral","sentiment_score":0.008120282829622738},{"text":"Okay.","start":1597.51,"end":1597.9099,"sentiment":"neutral","sentiment_score":0.01728910766541958},{"text":"Yep.","start":1597.9099,"end":1598.23,"sentiment":"neutral","sentiment_score":0.02643665671348572},{"text":"That one is very similar to that one again.","start":1598.23,"end":1601.4299,"sentiment":"neutral","sentiment_score":0.00956941768527031}],"sentiment":"neutral","sentiment_score":-0.06540565312196336,"num_words":34,"start":1585.215,"end":1601.4299},{"sentences":[{"text":"We just have two two copies.","start":1601.4299,"end":1603.0299,"sentiment":"neutral","sentiment_score":-0.0038833112145463624},{"text":"One's a smaller version, so I'll get you to skip that one as well for me.","start":1603.0299,"end":1610.415,"sentiment":"neutral","sentiment_score":-0.05752554605714977},{"text":"And then which one do you have?","start":1610.415,"end":1612.115,"sentiment":"neutral","sentiment_score":-0.0019595952970641},{"text":"Yes.","start":1617.935,"end":1618.435,"sentiment":"neutral","sentiment_score":0.05439037084579468},{"text":"Yep.","start":1618.5751,"end":1618.895,"sentiment":"neutral","sentiment_score":0.05630936473608017}],"sentiment":"neutral","sentiment_score":-0.027313743087072528,"num_words":31,"start":1601.4299,"end":1618.895},{"sentences":[{"text":"If you can o yep.","start":1618.895,"end":1620.495,"sentiment":"neutral","sentiment_score":0.042366820573806765},{"text":"If you can open that one for me.","start":1620.495,"end":1628.11,"sentiment":"neutral","sentiment_score":0.026638584677129984},{"text":"And let me know.","start":1628.11,"end":1629.23,"sentiment":"neutral","sentiment_score":0.03628451470285654},{"text":"Yep.","start":1629.23,"end":1629.71,"sentiment":"neutral","sentiment_score":0.058666475117206573},{"text":"So this one here, it breaks down your insurance in in quite a lot of detail, but it basically gives you a breakdown of your insurance policy.","start":1629.71,"end":1638.885,"sentiment":"neutral","sentiment_score":0.0967368894705066}],"sentiment":"neutral","sentiment_score":0.07201429622040854,"num_words":45,"start":1618.895,"end":1638.885},{"sentences":[{"text":"So it shows you your your life insurance, your total permanent disability, the income protection, the trauma.","start":1639.505,"end":1646.785,"sentiment":"neutral","sentiment_score":0.06147787095431019},{"text":"It shows you everything, and also that everything is paid up to date.","start":1646.785,"end":1651.94,"sentiment":"neutral","sentiment_score":0.1296094713302759},{"text":"So with your Neos insurances, you do have let me just see here if I get it loaded.","start":1652.5599,"end":1659.5399,"sentiment":"neutral","sentiment_score":0.15068313313855064},{"text":"For your life and total permanent disability, you have that 250,000 lump sum for your income protection.","start":1660.64,"end":1672.235,"sentiment":"neutral","sentiment_score":0.15121951830737732},{"text":"You do have a monthly payment of $4,666, a thirty day waiting period, two year benefit period.","start":1672.855,"end":1682.98,"sentiment":"neutral","sentiment_score":0.1502751186490059}],"sentiment":"neutral","sentiment_score":0.12887502632035716,"num_words":82,"start":1639.505,"end":1682.98},{"sentences":[{"text":"Now those three are paid from within superannuation.","start":1683.36,"end":1687.0599,"sentiment":"neutral","sentiment_score":0.10715790744870901},{"text":"You do get that 15% tax rebate.","start":1688.3451,"end":1691.5651,"sentiment":"neutral","sentiment_score":0.2942225805350712},{"text":"So the total premium for those three are 2,881.","start":1691.785,"end":1697.885,"sentiment":"neutral","sentiment_score":0.1481909586323632},{"text":"You then have the yes?","start":1700.665,"end":1704.4701,"sentiment":"neutral","sentiment_score":0.07258790731430054},{"text":"You following so far?","start":1704.6101,"end":1705.89,"sentiment":"neutral","sentiment_score":0.07188355177640915}],"sentiment":"neutral","sentiment_score":0.14851556650616907,"num_words":33,"start":1683.36,"end":1705.89},{"sentences":[{"text":"Yep.","start":1705.89,"end":1706.39,"sentiment":"neutral","sentiment_score":0.11478801816701888},{"text":"You then also have your trauma cover.","start":1707.3301,"end":1711.43,"sentiment":"neutral","sentiment_score":0.06793569879872459},{"text":"So yep.","start":1713.17,"end":1714.39,"sentiment":"neutral","sentiment_score":0.18494755774736404},{"text":"Yes.","start":1715.17,"end":1715.5701,"sentiment":"neutral","sentiment_score":0.23958635330200195},{"text":"So you have that 50,000 as well if something were to happen.","start":1715.5701,"end":1720.605,"sentiment":"neutral","sentiment_score":0.25705614934364956}],"sentiment":"neutral","sentiment_score":0.18628231176863547,"num_words":23,"start":1705.89,"end":1720.605},{"sentences":[{"text":"And this one here basically shows you that everything is paid up to date, and that's all in force.","start":1724.025,"end":1729.0851,"sentiment":"positive","sentiment_score":0.4928173234588222},{"text":"And if anything ever were to happen that you needed to claim on anything, just call me, and then we will help you through.","start":1729.4651,"end":1736.2001,"sentiment":"neutral","sentiment_score":0.209775992979606},{"text":"Hopefully, you'd never have to.","start":1736.2001,"end":1737.74,"sentiment":"neutral","sentiment_score":0.3147092252969742},{"text":"It's just a it's a safety guide.","start":1737.9601,"end":1739.4801,"sentiment":"neutral","sentiment_score":0.30365551369530813},{"text":"But if anything ever were to happen, just just call me, and I'll help you through anything.","start":1739.4801,"end":1746.115,"sentiment":"neutral","sentiment_score":0.18432168399586396}],"sentiment":"neutral","sentiment_score":0.2948716156598594,"num_words":72,"start":1724.025,"end":1746.115},{"sentences":[{"text":"Now what is the next yes.","start":1746.415,"end":1749.155,"sentiment":"neutral","sentiment_score":0.046101520458857216},{"text":"Yes.","start":1753.615,"end":1754.115,"sentiment":"neutral","sentiment_score":0.08718178421258926},{"text":"It's internal rate of return to be fancy.","start":1754.975,"end":1758.275,"sentiment":"neutral","sentiment_score":0.10051388293504715},{"text":"Now if you can open this one for me.","start":1759.0499,"end":1760.57,"sentiment":"neutral","sentiment_score":0.07560036165846719},{"text":"Now yes.","start":1760.57,"end":1762.19,"sentiment":"neutral","sentiment_score":0.07154438644647598}],"sentiment":"neutral","sentiment_score":0.0765920768563564,"num_words":26,"start":1746.415,"end":1762.19},{"sentences":[{"text":"So it can look quite overwhelming, but, basically, this one here breaks down all your investments.","start":1762.4099,"end":1769.7899,"sentiment":"neutral","sentiment_score":0.015392375062219799},{"text":"So this is directly in regards to your superannuation for you, and it shows you all the investments, how they have done in the last twelve months, and everything is after fees.","start":1769.9299,"end":1781.325,"sentiment":"neutral","sentiment_score":0.07684157288167626},{"text":"So like you said, there's been, obviously, a lot of fluctuations in the market, both obviously with everything in The US and Trump and tariffs and everything, and then now everything in The Middle East as well.","start":1782.345,"end":1794.02,"sentiment":"neutral","sentiment_score":-0.08530020995720013},{"text":"So this year has seen quite a bit of turbulence throughout the twelve months.","start":1794.1599,"end":1798.9,"sentiment":"neutral","sentiment_score":-0.24210475172315324},{"text":"Now as you can see to your left, you have all the different investments.","start":1800.4,"end":1804.895,"sentiment":"neutral","sentiment_score":0.018538698554039}],"sentiment":"neutral","sentiment_score":-0.03168870955375971,"num_words":113,"start":1762.4099,"end":1804.895},{"sentences":[{"text":"You can see the names of them listed.","start":1805.675,"end":1807.6951,"sentiment":"neutral","sentiment_score":0.04076481331139803},{"text":"You can see the starting value.","start":1808.4751,"end":1811.4551,"sentiment":"neutral","sentiment_score":0.06696010008454323},{"text":"You can also see the the market end value.","start":1811.915,"end":1815.295,"sentiment":"neutral","sentiment_score":0.09625229073895349},{"text":"So you can even see that when we started this, your balance was at 100 and let me just see here for you.","start":1815.915,"end":1825.96,"sentiment":"neutral","sentiment_score":0.13117766477491544},{"text":"Just open this one.","start":1826.58,"end":1827.88,"sentiment":"neutral","sentiment_score":0.0809455830603838}],"sentiment":"neutral","sentiment_score":0.09870036691427231,"num_words":50,"start":1805.675,"end":1827.88},{"sentences":[{"text":"Just close down for me.","start":1828.82,"end":1831.355,"sentiment":"neutral","sentiment_score":0.06671472638845444},{"text":"170,702, and it's now up at 209,848.","start":1832.055,"end":1840.865,"sentiment":"neutral","sentiment_score":0.0714941139199904},{"text":"And 8.","start":1840.865,"end":1844.08,"sentiment":"neutral","sentiment_score":0.04631377011537552},{"text":"And so it's it's it's still seeing quite a bit of an increase, which is nice despite, obviously, fluctuations more than, obviously, anticipated.","start":1844.62,"end":1853.44,"sentiment":"positive","sentiment_score":0.48867092702699744},{"text":"You will also have the returns on the investment.","start":1855.1,"end":1859.105,"sentiment":"positive","sentiment_score":0.5208116670449575}],"sentiment":"positive","sentiment_score":0.36637818031822855,"num_words":46,"start":1828.82,"end":1859.105},{"sentences":[{"text":"So if you look through the second column to the right, you will have all the different investments.","start":1859.965,"end":1865.825,"sentiment":"neutral","sentiment_score":0.21775521462162337},{"text":"So you can see here that it looks a lot more kind of not sporadic, but a lot more varied than than typically as well because of so much that's happened in the world.","start":1866.525,"end":1878.39,"sentiment":"neutral","sentiment_score":0.18608343469745972},{"text":"So despite everything and the first twelve months tend to be a little bit less as well because there's fees and everything coming out that you don't obviously have the the upfront fees and everything like that coming out later.","start":1878.77,"end":1892.695,"sentiment":"neutral","sentiment_score":-0.15777742294594646},{"text":"And then, obviously, with it took a little bit longer to get your insurances in in force and stuff like that.","start":1893.315,"end":1898.8401,"sentiment":"neutral","sentiment_score":-0.17528270397867476},{"text":"Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%.","start":1899.7001,"end":1908.2001,"sentiment":"neutral","sentiment_score":0.2305062446547182}],"sentiment":"neutral","sentiment_score":0.03510617871176113,"num_words":132,"start":1859.965,"end":1908.2001},{"sentences":[{"text":"So in the the whole scheme of things, it's not too bad for what's going on in the market.","start":1908.9,"end":1915.295,"sentiment":"neutral","sentiment_score":0.17773022777155825},{"text":"But what I would like to do is look at swapping specifically one investment out for you.","start":1916.075,"end":1923.775,"sentiment":"neutral","sentiment_score":0.08445271433276288},{"text":"Now the one that I would like to review in a bit more detail is your Vennelong Australian equity fund.","start":1924.555,"end":1933.12,"sentiment":"neutral","sentiment_score":0.07174274120479822},{"text":"Now this is the only managed fund that you have.","start":1933.12,"end":1936.02,"sentiment":"neutral","sentiment_score":0.09116312675178051},{"text":"And if you remember from from when we spoke last year, then that investment had done really, really well, and it was added to the portfolio because the purpose of that one was to do a little bit more of that active management.","start":1936.5599,"end":1953.015,"sentiment":"neutral","sentiment_score":0.18794959003842154}],"sentiment":"neutral","sentiment_score":0.13982466912460983,"num_words":109,"start":1908.9,"end":1953.015},{"sentences":[{"text":"So kind of actively buying and selling different investments to try to outperform the market.","start":1953.0751,"end":1958.69,"sentiment":"neutral","sentiment_score":0.1266165147225062},{"text":"Whereas the other investments, they are focusing on kind of tracking an index.","start":1960.43,"end":1965.09,"sentiment":"neutral","sentiment_score":-0.01055540473988423},{"text":"So they are kind of focusing on so one of them, for example, their focus is to track the 500 largest companies listed in The US.","start":1965.79,"end":1976.5751,"sentiment":"neutral","sentiment_score":0.0041941640038902946},{"text":"So that one, you know, as companies grow, they get added to the list.","start":1977.115,"end":1980.875,"sentiment":"neutral","sentiment_score":-0.025282688039754118},{"text":"As they get smaller, they kind of fall off.","start":1980.875,"end":1982.795,"sentiment":"neutral","sentiment_score":-0.12171105709340838}],"sentiment":"neutral","sentiment_score":0.005476864635363802,"num_words":77,"start":1953.0751,"end":1982.795},{"sentences":[{"text":"So they just kind of track the biggest companies.","start":1982.795,"end":1985.295,"sentiment":"neutral","sentiment_score":-0.05819539870652887},{"text":"So it is a little bit different to that Bennelong investment.","start":1986.21,"end":1988.95,"sentiment":"neutral","sentiment_score":-0.06363215907053514},{"text":"So the Bennelong investment, the reason why I wanna look at changing that one for you is that more recently, they've kind of under performed a little bit.","start":1989.49,"end":2001.025,"sentiment":"neutral","sentiment_score":-0.1085408709145018},{"text":"And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible.","start":2001.025,"end":2021.6101,"sentiment":"neutral","sentiment_score":0.33049953421429984},{"text":"Yes.","start":2027.03,"end":2027.445,"sentiment":"neutral","sentiment_score":0.053278639912605286}],"sentiment":"neutral","sentiment_score":0.14832046938993568,"num_words":112,"start":1982.795,"end":2027.445},{"sentences":[{"text":"Mhmm.","start":2029.205,"end":2029.705,"sentiment":"neutral","sentiment_score":0.006737376097589731},{"text":"Yes.","start":2031.9249,"end":2032.4249,"sentiment":"neutral","sentiment_score":0.04015670344233513},{"text":"So it just meant that we didn't add let me see here.","start":2041.61,"end":2046.03,"sentiment":"neutral","sentiment_score":-0.016835572353253763},{"text":"There wasn't any more units because you already had enough units in your portfolio.","start":2046.17,"end":2052.35,"sentiment":"neutral","sentiment_score":-0.09769336586552006},{"text":"So you still have 23,211 thousand in gold.","start":2052.4102,"end":2059.2551,"sentiment":"neutral","sentiment_score":0.06147292070090771}],"sentiment":"neutral","sentiment_score":-0.028640459589142766,"num_words":36,"start":2029.205,"end":2059.2551},{"sentences":[{"text":"And it just kind of grew by the prices increasing.","start":2060.195,"end":2063.415,"sentiment":"neutral","sentiment_score":-0.03743242062628269},{"text":"So you still you still yeah.","start":2066.195,"end":2067.7952,"sentiment":"neutral","sentiment_score":-0.08278766957422097},{"text":"So this one looks a bit complex.","start":2067.7952,"end":2069.8152,"sentiment":"neutral","sentiment_score":-0.0839202521102769},{"text":"But if you look at the market value end period column, which is one, two, three, four, that one shows how much money is in each option.","start":2070.35,"end":2079.33,"sentiment":"neutral","sentiment_score":0.024985254224803712},{"text":"So you can see gold there at 23,000.","start":2080.83,"end":2084.05,"sentiment":"neutral","sentiment_score":0.09818314760923386}],"sentiment":"neutral","sentiment_score":0.000027156145922068654,"num_words":58,"start":2060.195,"end":2084.05},{"sentences":[{"text":"Yep.","start":2084.405,"end":2084.905,"sentiment":"neutral","sentiment_score":0.15734541416168213},{"text":"And you can even see the return on gold.","start":2085.125,"end":2087.285,"sentiment":"neutral","sentiment_score":0.25566979746023816},{"text":"You can see there how how crazy that is at 56 point $8.07, which is crazy.","start":2087.285,"end":2092.9849,"sentiment":"neutral","sentiment_score":0.14171696593984962},{"text":"And that's also why it is, you know, a little bit higher allocation to your portfolio, and the good thing is that you've already been invested in it, which is good.","start":2093.765,"end":2100.93,"sentiment":"positive","sentiment_score":0.49005448049114597},{"text":"Now with the Benelon, one of the reasons that they have fluctuates so much is because one of the companies that they had in their portfolio was called the Corporate Travel Group, and that company had a bit of issues with their reporting, which actually caused a bit of a suspense on the trading, which caused the prices to go down.","start":2102.75,"end":2129.6401,"sentiment":"neutral","sentiment_score":-0.16472991739140183}],"sentiment":"neutral","sentiment_score":0.0836356693278935,"num_words":118,"start":2084.405,"end":2129.6401},{"sentences":[{"text":"So like I said, Connie, I would like to do a bit more research because, obviously, a lot has changed in the world since we spoke last time.","start":2130.1802,"end":2139.4001,"sentiment":"neutral","sentiment_score":-0.02717336094272988},{"text":"And the good thing with the underreviews and, you know, with the ongoing service is that we do this all the time because things are always changing.","start":2139.835,"end":2147.7751,"sentiment":"neutral","sentiment_score":0.32132137925536547},{"text":"There's always changes in your life, but also in the world and the market and more so these last twelve months, really, since you came on board, there's been a lot of changes.","start":2148.475,"end":2157.04,"sentiment":"neutral","sentiment_score":-0.03341384864214695},{"text":"So I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you.","start":2157.5,"end":2163.66,"sentiment":"neutral","sentiment_score":0.16574718177318573},{"text":"If you as long as you're happy for me to do so?","start":2163.66,"end":2166.0,"sentiment":"neutral","sentiment_score":0.2671169812480609}],"sentiment":"neutral","sentiment_score":0.11328999558091164,"num_words":125,"start":2130.1802,"end":2166.0},{"sentences":[{"text":"Yeah.","start":2166.86,"end":2167.36,"sentiment":"positive","sentiment_score":0.3382260203361511},{"text":"Perfect.","start":2167.58,"end":2167.74,"sentiment":"positive","sentiment_score":0.5413490533828735},{"text":"Now Now while we are while while I am reviewing superannuation for you, I do wanted to check if do you read our newsletters at all, Connie?","start":2167.74,"end":2179.085,"sentiment":"neutral","sentiment_score":0.050150663695401616},{"text":"Nope.","start":2180.505,"end":2180.6648,"sentiment":"neutral","sentiment_score":-0.05560192093253136},{"text":"That's okay.","start":2180.6648,"end":2181.4849,"sentiment":"neutral","sentiment_score":-0.012848020531237127}],"sentiment":"neutral","sentiment_score":0.06726078223437071,"num_words":32,"start":2166.86,"end":2181.4849},{"sentences":[{"text":"That's okay.","start":2182.025,"end":2182.845,"sentiment":"neutral","sentiment_score":0.10755959153175354},{"text":"Because I do wanted to kind of see what your thoughts are.","start":2183.97,"end":2187.89,"sentiment":"neutral","sentiment_score":0.1266906876116991},{"text":"So with superannuation, we have just very recently merged with BlackRock.","start":2187.89,"end":2195.43,"sentiment":"neutral","sentiment_score":0.04876452955332669},{"text":"Have you ever heard of them?","start":2195.895,"end":2197.2551,"sentiment":"neutral","sentiment_score":0.01736638369038701},{"text":"They are one of the biggest investment managers.","start":2197.2551,"end":2199.595,"sentiment":"neutral","sentiment_score":0.01025653607212007}],"sentiment":"neutral","sentiment_score":0.06302738077460955,"num_words":39,"start":2182.025,"end":2199.595},{"sentences":[{"text":"No?","start":2201.655,"end":2202.155,"sentiment":"neutral","sentiment_score":-0.055706918239593506},{"text":"You can definitely Google them as well.","start":2202.695,"end":2204.615,"sentiment":"neutral","sentiment_score":0.022245099768042564},{"text":"They are massive.","start":2204.615,"end":2205.595,"sentiment":"neutral","sentiment_score":0.10387732585271199},{"text":"So we have actually teamed up with them to create something that's called an SMA.","start":2205.975,"end":2213.4102,"sentiment":"neutral","sentiment_score":0.1297421584526698},{"text":"So it stands for a self managed account.","start":2214.35,"end":2217.4902,"sentiment":"neutral","sentiment_score":0.05145384417846799}],"sentiment":"neutral","sentiment_score":0.0814530555268421,"num_words":34,"start":2201.655,"end":2217.4902},{"sentences":[{"text":"Have you ever heard of that before?","start":2219.07,"end":2220.6902,"sentiment":"neutral","sentiment_score":0.013756205194762774},{"text":"No.","start":2227.3901,"end":2227.815,"sentiment":"neutral","sentiment_score":-0.21887731552124023},{"text":"This one is not for you.","start":2228.055,"end":2229.595,"sentiment":"neutral","sentiment_score":-0.21032962699731192},{"text":"So this one here yes.","start":2230.055,"end":2231.655,"sentiment":"neutral","sentiment_score":-0.00834907814860344},{"text":"So it's a little bit different.","start":2231.655,"end":2232.935,"sentiment":"neutral","sentiment_score":-0.001414969563484192}],"sentiment":"neutral","sentiment_score":-0.05739187397062778,"num_words":25,"start":2219.07,"end":2232.935},{"sentences":[{"text":"It's just called a self managed account, but I'll try not keep it as simplified as I can.","start":2232.935,"end":2238.555,"sentiment":"neutral","sentiment_score":0.04425569644404782},{"text":"The difference so your money would still be invested.","start":2238.615,"end":2240.96,"sentiment":"neutral","sentiment_score":0.048668367167313896},{"text":"It would it can still be in hub twenty four.","start":2241.1,"end":2243.44,"sentiment":"neutral","sentiment_score":0.0544224675744772},{"text":"Still the same style of investment.","start":2244.8599,"end":2246.88,"sentiment":"neutral","sentiment_score":0.06889147435625394},{"text":"The biggest difference is that at the moment, you have a model portfolio.","start":2247.5,"end":2251.955,"sentiment":"neutral","sentiment_score":0.05551940116744775}],"sentiment":"neutral","sentiment_score":0.05203470674210361,"num_words":56,"start":2232.935,"end":2251.955},{"sentences":[{"text":"So when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments.","start":2251.955,"end":2258.735,"sentiment":"neutral","sentiment_score":0.07688927405979484},{"text":"You know the percent that you have in each investment.","start":2259.195,"end":2262.415,"sentiment":"neutral","sentiment_score":0.094280294328928},{"text":"And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research.","start":2262.635,"end":2269.81,"sentiment":"neutral","sentiment_score":0.08592897467315197},{"text":"I have to present everything in a new kind of statement of advice that we went through last time.","start":2269.9502,"end":2275.49,"sentiment":"neutral","sentiment_score":0.0836305714359409},{"text":"And a lot of that is for compliance and legislation, but also making sure that you are across and understand everything.","start":2276.11,"end":2282.4648,"sentiment":"neutral","sentiment_score":0.08048535368981816}],"sentiment":"neutral","sentiment_score":0.0823628675630864,"num_words":102,"start":2251.955,"end":2282.4648},{"sentences":[{"text":"So because of that, it obviously takes a little bit to prepare all the documents and put everything together for you.","start":2283.005,"end":2289.025,"sentiment":"neutral","sentiment_score":0.25337521518979755},{"text":"You have to sign the documents to say that you are happy with the change, and then we can go ahead and make the change.","start":2289.2449,"end":2295.07,"sentiment":"positive","sentiment_score":0.3850069761276245},{"text":"So it is kind of full transparency when it comes to it.","start":2295.53,"end":2299.55,"sentiment":"positive","sentiment_score":0.4779533917705218},{"text":"The downside is that because it takes a little while to prepare all the documents, there is sometimes a bit of a delay in, obviously, us making the change because we have to put all the the documents together, run through it with you, and you have to approve it.","start":2299.61,"end":2314.235,"sentiment":"neutral","sentiment_score":-0.1365039848536253},{"text":"Does that make sense so far?","start":2314.235,"end":2315.775,"sentiment":"neutral","sentiment_score":0.09473857656121254}],"sentiment":"neutral","sentiment_score":0.1265326915799003,"num_words":114,"start":2283.005,"end":2315.775},{"sentences":[{"text":"Yep.","start":2316.635,"end":2317.135,"sentiment":"neutral","sentiment_score":0.12308891862630844},{"text":"The difference with the SMA is that you would be invested in a portfolio.","start":2317.355,"end":2324.495,"sentiment":"neutral","sentiment_score":0.1511556516800608},{"text":"So let's just it could just be called whatever.","start":2325.1702,"end":2327.8901,"sentiment":"neutral","sentiment_score":0.12611006697018942},{"text":"So you just invested in a portfolio.","start":2327.8901,"end":2329.9102,"sentiment":"neutral","sentiment_score":0.18765823117324285},{"text":"We will still manage all your investments along with BlackRock.","start":2331.1702,"end":2334.7102,"sentiment":"neutral","sentiment_score":0.2764761999249458}],"sentiment":"neutral","sentiment_score":0.18177142103270785,"num_words":41,"start":2316.635,"end":2334.7102},{"sentences":[{"text":"But what it allows us to do without having to do the go through the SOA, present it to you for you to sign and agree it, it allows us to, in the back end, do those changes quickly if we think it's going to be the best for you.","start":2335.25,"end":2352.295,"sentiment":"positive","sentiment_score":0.4048014768958092},{"text":"So that is the the biggest change is we don't have to go through all the compliance and documents to make a change because you are just invested in a a product.","start":2353.1,"end":2364.48,"sentiment":"positive","sentiment_score":0.37614188389852643},{"text":"So you will still get notified when a change is happening, but we can go ahead and make the change.","start":2365.5,"end":2372.2148,"sentiment":"positive","sentiment_score":0.4062812730669975},{"text":"And then you'll get notified, and we can do it quickly.","start":2372.595,"end":2376.4548,"sentiment":"positive","sentiment_score":0.41936731880361383},{"text":"So that is the biggest change.","start":2377.2349,"end":2379.2349,"sentiment":"positive","sentiment_score":0.5087560812632242}],"sentiment":"positive","sentiment_score":0.4039312318092635,"num_words":119,"start":2335.25,"end":2379.2349},{"sentences":[{"text":"Now some people are quite happy with that approach because they're like, okay.","start":2379.2349,"end":2383.0,"sentiment":"positive","sentiment_score":0.6376533783399142},{"text":"Well, if you see something changing, you can make a change tomorrow.","start":2383.0,"end":2386.62,"sentiment":"positive","sentiment_score":0.528327651321888},{"text":"That's fine.","start":2387.32,"end":2387.8801,"sentiment":"positive","sentiment_score":0.3821602761745453},{"text":"I don't need to be involved in the whole process.","start":2387.8801,"end":2390.3,"sentiment":"neutral","sentiment_score":0.10199079290032387},{"text":"But some clients, that I also have are like, no.","start":2390.76,"end":2393.6401,"sentiment":"neutral","sentiment_score":-0.05460887625813484}],"sentiment":"positive","sentiment_score":0.33760777559686217,"num_words":47,"start":2379.2349,"end":2393.6401},{"sentences":[{"text":"I kind of prefer this old way because I can exactly see all the investments.","start":2393.6401,"end":2398.535,"sentiment":"neutral","sentiment_score":0.05387677450974782},{"text":"We'll go through it together, and then you have to say you're happy with it before we make a change.","start":2399.235,"end":2404.535,"sentiment":"neutral","sentiment_score":0.29736608639359474},{"text":"So do you have which what preference do you have?","start":2405.315,"end":2410.77,"sentiment":"neutral","sentiment_score":0.028060274943709374},{"text":"Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you?","start":2410.77,"end":2423.11,"sentiment":"neutral","sentiment_score":0.27182300221174954},{"text":"What what do you what would you be more comfortable with, and what do you prefer?","start":2423.49,"end":2427.065,"sentiment":"neutral","sentiment_score":0.055655877105891705}],"sentiment":"neutral","sentiment_score":0.18613356650613322,"num_words":101,"start":2393.6401,"end":2427.065},{"sentences":[{"text":"Yeah.","start":2433.925,"end":2434.425,"sentiment":"neutral","sentiment_score":-0.027593322098255157},{"text":"And there's no right answer.","start":2434.725,"end":2435.925,"sentiment":"neutral","sentiment_score":-0.1920094147324562},{"text":"And irrespective, I have to go and do the research.","start":2435.925,"end":2440.39,"sentiment":"neutral","sentiment_score":-0.05131177082657814},{"text":"I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position.","start":2440.8499,"end":2447.67,"sentiment":"positive","sentiment_score":0.3526055027138103},{"text":"And at all points in times, have to take you know, put your interest above anything else.","start":2448.21,"end":2454.845,"sentiment":"neutral","sentiment_score":0.18683043692041845}],"sentiment":"neutral","sentiment_score":0.17150327969681134,"num_words":55,"start":2433.925,"end":2454.845},{"sentences":[{"text":"But it also comes down to preference because I can build different portfolios outside this new model and still do, you know, a similar concept.","start":2456.105,"end":2465.48,"sentiment":"neutral","sentiment_score":0.02983545482158661},{"text":"It just means that it's a little bit slower with making change.","start":2465.48,"end":2468.28,"sentiment":"neutral","sentiment_score":-0.23721891020735106},{"text":"We can still very much do it that way.","start":2468.28,"end":2470.3801,"sentiment":"neutral","sentiment_score":0.008617070813973745},{"text":"And it also comes down to to preference.","start":2471.08,"end":2473.24,"sentiment":"neutral","sentiment_score":-0.009043873753398657},{"text":"Because like I said, I have some clients who's like, no.","start":2473.24,"end":2475.48,"sentiment":"neutral","sentiment_score":0.06575330550020392}],"sentiment":"neutral","sentiment_score":-0.021111562217657382,"num_words":65,"start":2456.105,"end":2475.48},{"sentences":[{"text":"I quite like the way things are right now, and we can still achieve a you you can still have the same investments.","start":2475.48,"end":2480.6748,"sentiment":"neutral","sentiment_score":0.2588166626899139},{"text":"It just means that it's a little bit slower to make the process.","start":2480.7349,"end":2483.795,"sentiment":"neutral","sentiment_score":-0.1352469829412607},{"text":"We obviously do it as quickly as we can.","start":2483.9348,"end":2486.115,"sentiment":"neutral","sentiment_score":0.11150792406664954},{"text":"It just takes a little bit longer, but it's full transparency.","start":2486.255,"end":2488.9949,"sentiment":"neutral","sentiment_score":0.12994637340307236},{"text":"You can see exactly the 100%.","start":2489.2148,"end":2511.035,"sentiment":"neutral","sentiment_score":0.26266847799221676}],"sentiment":"neutral","sentiment_score":0.1323155605744931,"num_words":62,"start":2475.48,"end":2511.035},{"sentences":[{"text":"Yes.","start":2511.175,"end":2511.675,"sentiment":"neutral","sentiment_score":0.19462096691131592},{"text":"The the rules of legislation protecting you is the same.","start":2511.895,"end":2515.5,"sentiment":"neutral","sentiment_score":0.20334675908088684},{"text":"It's it's that's the law.","start":2515.5,"end":2517.2,"sentiment":"neutral","sentiment_score":0.15455560982227326},{"text":"It's just a different way of doing the investment.","start":2518.62,"end":2522.56,"sentiment":"neutral","sentiment_score":0.07232094142172071},{"text":"If you prefer to kind of stick with the old model and any changes, I'll give you a call and run through it together, then I'm more than happy to stick with that if you would be a bit more comfortable with it because we can still achieve a very good outcome.","start":2524.62,"end":2540.365,"sentiment":"positive","sentiment_score":0.37413258019548196}],"sentiment":"neutral","sentiment_score":0.3000863538934039,"num_words":77,"start":2511.175,"end":2540.365},{"sentences":[{"text":"It just means that it'll take a little bit longer, which, again, I have I have a lot of clients who's like, no.","start":2540.365,"end":2544.78,"sentiment":"neutral","sentiment_score":0.06669318271072014},{"text":"I prefer that way.","start":2544.78,"end":2545.98,"sentiment":"neutral","sentiment_score":0.06319449748843908},{"text":"And some who goes, oh, no.","start":2545.98,"end":2547.42,"sentiment":"neutral","sentiment_score":0.16462435945868492},{"text":"This is actually good because we get to use BlackRock's research and stuff like that to build a portfolio.","start":2547.42,"end":2553.8398,"sentiment":"positive","sentiment_score":0.4633890992324603},{"text":"Yeah.","start":2560.8152,"end":2561.3152,"sentiment":"neutral","sentiment_score":0.005077901296317577}],"sentiment":"neutral","sentiment_score":0.21856487048614137,"num_words":53,"start":2540.365,"end":2561.3152},{"sentences":[{"text":"Yes.","start":2564.655,"end":2565.155,"sentiment":"neutral","sentiment_score":0.05075398460030556},{"text":"Yeah.","start":2566.415,"end":2566.915,"sentiment":"neutral","sentiment_score":0.046894341707229614},{"text":"Yes.","start":2569.135,"end":2569.5,"sentiment":"neutral","sentiment_score":0.010497776791453362},{"text":"Yep.","start":2573.74,"end":2574.24,"sentiment":"neutral","sentiment_score":0.2939857542514801},{"text":"Yeah.","start":2574.78,"end":2575.28,"sentiment":"neutral","sentiment_score":0.17862547934055328}],"sentiment":"neutral","sentiment_score":0.11615146733820439,"num_words":5,"start":2564.655,"end":2575.28},{"sentences":[{"text":"And what I can do for you yeah.","start":2576.46,"end":2579.2,"sentiment":"neutral","sentiment_score":0.023013879545032978},{"text":"Yeah.","start":2580.78,"end":2581.28,"sentiment":"neutral","sentiment_score":0.0214624535292387},{"text":"Yeah.","start":2582.38,"end":2582.88,"sentiment":"neutral","sentiment_score":0.0008798092603683472},{"text":"Yes.","start":2586.295,"end":2586.795,"sentiment":"neutral","sentiment_score":-0.05215447396039963},{"text":"Yes.","start":2588.9348,"end":2589.4348,"sentiment":"neutral","sentiment_score":-0.03020251542329788}],"sentiment":"neutral","sentiment_score":0.010341359147181114,"num_words":12,"start":2576.46,"end":2589.4348},{"sentences":[{"text":"Yep.","start":2592.295,"end":2592.795,"sentiment":"neutral","sentiment_score":-0.1341007947921753},{"text":"Yes.","start":2595.015,"end":2595.3,"sentiment":"neutral","sentiment_score":-0.1612636297941208},{"text":"Yes.","start":2595.7,"end":2596.2,"sentiment":"neutral","sentiment_score":0.09783142060041428},{"text":"Yes.","start":2599.1401,"end":2599.6401,"sentiment":"positive","sentiment_score":0.3342927098274231},{"text":"And that's why we're here.","start":2600.02,"end":2601.06,"sentiment":"neutral","sentiment_score":0.2623289585113525}],"sentiment":"neutral","sentiment_score":0.1609338331553671,"num_words":9,"start":2592.295,"end":2601.06},{"sentences":[{"text":"And and the the the SMA is good in that way that if something like, if because we obviously do research all the time.","start":2601.06,"end":2609.785,"sentiment":"positive","sentiment_score":0.34055029849211377},{"text":"So we have a big investment committee and join with BlackRock now, which is great.","start":2609.785,"end":2613.725,"sentiment":"positive","sentiment_score":0.49570285677909853},{"text":"So if we, for example, foresee something changing, because the stock market can fluctuate so much now we don't wanna day trade your super.","start":2613.945,"end":2621.625,"sentiment":"neutral","sentiment_score":0.10533574037253857},{"text":"That is the purpose.","start":2621.625,"end":2622.78,"sentiment":"neutral","sentiment_score":0.1344616785645485},{"text":"It is your long term investment.","start":2623.2402,"end":2624.9402,"sentiment":"neutral","sentiment_score":0.1642636482914289}],"sentiment":"neutral","sentiment_score":0.269318306691026,"num_words":73,"start":2601.06,"end":2624.9402},{"sentences":[{"text":"But, obviously, like we've seen the last twelve months, things do fluctuate.","start":2625.4001,"end":2629.1802,"sentiment":"neutral","sentiment_score":0.04996020719408989},{"text":"So if, for example, something were to happen in one market of the world, let's say something happens to China or something, and we had China in your investments.","start":2629.4001,"end":2638.615,"sentiment":"neutral","sentiment_score":0.01296672867289905},{"text":"We don't.","start":2638.615,"end":2639.015,"sentiment":"neutral","sentiment_score":-0.030705925077199936},{"text":"But if we did and then something changes, we can go like, okay.","start":2639.015,"end":2643.195,"sentiment":"neutral","sentiment_score":0.03941879708033342},{"text":"Tomorrow or straight away when the market open, let's get out, and let's put it in a different market.","start":2643.4949,"end":2647.9949,"sentiment":"neutral","sentiment_score":0.07845040822499677}],"sentiment":"neutral","sentiment_score":0.038895305146773654,"num_words":75,"start":2625.4001,"end":2647.9949},{"sentences":[{"text":"So we could do that very quickly for you and then let you know we'll still send you documents and say, hey.","start":2648.2148,"end":2655.7898,"sentiment":"neutral","sentiment_score":0.30506672032854776},{"text":"Just letting you know we've made this change for you.","start":2655.7898,"end":2657.5498,"sentiment":"positive","sentiment_score":0.36868810653686523},{"text":"This is the reasons why we believe it's better.","start":2657.5498,"end":2659.73,"sentiment":"positive","sentiment_score":0.3725184566444821},{"text":"And, again, all the the trust, the compliance, making that you are always put above everything else, that is the law.","start":2659.7898,"end":2668.075,"sentiment":"positive","sentiment_score":0.353917427006222},{"text":"So that stays in place for anything we do.","start":2668.075,"end":2670.575,"sentiment":"positive","sentiment_score":0.3779022792975108}],"sentiment":"positive","sentiment_score":0.3462591761014831,"num_words":71,"start":2648.2148,"end":2670.575},{"sentences":[{"text":"It just means it's quicker.","start":2671.595,"end":2673.4548,"sentiment":"positive","sentiment_score":0.3474707841873169},{"text":"When you go in hub twenty four, you can still click on the estimate, and you can still see all your investments.","start":2674.155,"end":2677.7322,"sentiment":"neutral","sentiment_score":0.1977029988034205},{"text":"So you still have oversight over everything.","start":2677.7322,"end":2677.812,"sentiment":"neutral","sentiment_score":0.08290744200348854},{"text":"It just means that still have oversight over everything.","start":2677.812,"end":2681.39,"sentiment":"neutral","sentiment_score":0.07739121673835649},{"text":"It just means that we can do it quicker in the back end because of how the structure is.","start":2681.93,"end":2687.95,"sentiment":"neutral","sentiment_score":0.09921270893200447}],"sentiment":"neutral","sentiment_score":0.1491731356288637,"num_words":62,"start":2671.595,"end":2687.95},{"sentences":[{"text":"So it is yes.","start":2689.45,"end":2690.9,"sentiment":"neutral","sentiment_score":0.03218518430367112},{"text":"It it It it It it we have different ones.","start":2690.9,"end":2699.285,"sentiment":"neutral","sentiment_score":-0.00821762727573514},{"text":"So how we put we have there is difference.","start":2699.665,"end":2702.325,"sentiment":"neutral","sentiment_score":-0.05721444139877955},{"text":"So with the SMA, we have a lot of different options as well, and a lot of it comes down through your risk profile.","start":2702.7048,"end":2710.43,"sentiment":"neutral","sentiment_score":-0.01235668941323335},{"text":"So we have you in a growth portfolio.","start":2710.97,"end":2713.87,"sentiment":"neutral","sentiment_score":0.04528296017087996}],"sentiment":"neutral","sentiment_score":-0.007321134048768065,"num_words":55,"start":2689.45,"end":2713.87},{"sentences":[{"text":"Do you remember kind of yeah.","start":2714.17,"end":2716.43,"sentiment":"neutral","sentiment_score":0.04384115400413672},{"text":"So are you still happy with your growth allocation?","start":2716.73,"end":2719.87,"sentiment":"neutral","sentiment_score":0.24013765487405989},{"text":"Are you still comfortable with the same fluctuations and allocation, or do you wanna run through another couple of questions to see if anything has changed for you?","start":2720.77,"end":2732.895,"sentiment":"neutral","sentiment_score":0.13748176954686642},{"text":"No.","start":2740.52,"end":2741.02,"sentiment":"neutral","sentiment_score":-0.17597046494483948},{"text":"No.","start":2741.1602,"end":2741.6602,"sentiment":"neutral","sentiment_score":-0.194712296128273}],"sentiment":"neutral","sentiment_score":0.1311798356473446,"num_words":45,"start":2714.17,"end":2741.6602},{"sentences":[{"text":"No.","start":2743.6401,"end":2743.96,"sentiment":"neutral","sentiment_score":-0.277109295129776},{"text":"You don't wanna go through the questions, or no.","start":2743.96,"end":2746.54,"sentiment":"neutral","sentiment_score":-0.3081936770015293},{"text":"You're not sure what the growth meant.","start":2747.24,"end":2748.94,"sentiment":"neutral","sentiment_score":-0.2577044197491237},{"text":"Yes.","start":2752.04,"end":2752.395,"sentiment":"neutral","sentiment_score":0.011086811311542988},{"text":"Okay.","start":2752.955,"end":2753.455,"sentiment":"neutral","sentiment_score":0.054891519248485565}],"sentiment":"neutral","sentiment_score":-0.2520423682014409,"num_words":19,"start":2743.6401,"end":2753.455},{"sentences":[{"text":"Yeah.","start":2753.7551,"end":2754.155,"sentiment":"neutral","sentiment_score":0.12699173390865326},{"text":"Perfect.","start":2754.155,"end":2754.655,"sentiment":"positive","sentiment_score":0.47591906785964966},{"text":"So with the growth portfolio, it is where we have your 80% to your growth investment.","start":2754.955,"end":2762.095,"sentiment":"neutral","sentiment_score":0.21435276605188847},{"text":"So that is your your property, your international shares, your Australian shares.","start":2762.875,"end":2768.77,"sentiment":"neutral","sentiment_score":0.17687517901261648},{"text":"And then 20% are your more defensive.","start":2768.77,"end":2772.3098,"sentiment":"neutral","sentiment_score":0.14865516551903316}],"sentiment":"neutral","sentiment_score":0.19447684771305807,"num_words":37,"start":2753.7551,"end":2772.3098},{"sentences":[{"text":"So your cash, your gold, your fixed interest.","start":2772.53,"end":2775.51,"sentiment":"neutral","sentiment_score":0.2036486715078354},{"text":"And the purpose is to try to grow your superannuation as much as possible while you still have the time.","start":2776.45,"end":2781.945,"sentiment":"neutral","sentiment_score":0.31574519723653793},{"text":"But then also a little bit of that defensive component to limit fluctuations.","start":2782.905,"end":2788.205,"sentiment":"neutral","sentiment_score":0.11622889225299542},{"text":"So if you are happy with your growth portfolio still, we can do the SMA with the same level of risk as you currently have.","start":2788.745,"end":2798.0598,"sentiment":"neutral","sentiment_score":0.1895953243970871},{"text":"So the same level of fluctuation, as you currently have.","start":2798.28,"end":2802.7,"sentiment":"neutral","sentiment_score":0.17758828327059745}],"sentiment":"neutral","sentiment_score":0.21014256393046757,"num_words":76,"start":2772.53,"end":2802.7},{"sentences":[{"text":"And when I do the research, I will cross reference the investments you currently have on what's in the SMA and if we can transfer any over for you or if there are any new ones.","start":2803.0798,"end":2815.675,"sentiment":"neutral","sentiment_score":0.1730593881673283},{"text":"It because with the SMA, it can change a bit quicker because we can very quickly make changes.","start":2817.335,"end":2825.72,"sentiment":"neutral","sentiment_score":0.29800420585605836},{"text":"Are you comfortable with that?","start":2830.98,"end":2832.5999,"sentiment":"neutral","sentiment_score":-0.03802250921726227},{"text":"What I'll do, I'll just do a couple of questions to see, and it's not as long as last time.","start":2832.8198,"end":2837.315,"sentiment":"neutral","sentiment_score":0.08753154915757477},{"text":"And just to see if you are comfortable, we can definitely, if you are happy with it.","start":2838.895,"end":2845.135,"sentiment":"positive","sentiment_score":0.5912586099961225}],"sentiment":"neutral","sentiment_score":0.24173050506700142,"num_words":96,"start":2803.0798,"end":2845.135},{"sentences":[{"text":"So what I can do let me see.","start":2845.135,"end":2848.0151,"sentiment":"neutral","sentiment_score":0.25075664930045605},{"text":"I'll try to refill some of this to not waste your time and make it quicker.","start":2848.0151,"end":2852.9102,"sentiment":"neutral","sentiment_score":0.18962509790435433},{"text":"At the moment, are you still planning on maybe accessing Super at 65?","start":2855.37,"end":2860.4302,"sentiment":"neutral","sentiment_score":0.09489382402254985},{"text":"Is that still kind of the plan?","start":2861.21,"end":2862.645,"sentiment":"neutral","sentiment_score":0.0801270737179688},{"text":"No?","start":2868.0051,"end":2868.5051,"sentiment":"neutral","sentiment_score":-0.17018282413482666}],"sentiment":"neutral","sentiment_score":0.14809735922349823,"num_words":45,"start":2845.135,"end":2868.5051},{"sentences":[{"text":"Maybe 70.","start":2869.525,"end":2870.425,"sentiment":"neutral","sentiment_score":-0.11836124956607819},{"text":"Depends how you're feeling.","start":2871.685,"end":2872.905,"sentiment":"neutral","sentiment_score":-0.03736024675890803},{"text":"Yeah.","start":2872.965,"end":2873.465,"sentiment":"neutral","sentiment_score":0.02748058550059795},{"text":"Yeah.","start":2874.325,"end":2874.825,"sentiment":"neutral","sentiment_score":0.08389683067798615},{"text":"And are you still hoping to be able to draw an income of about $1,500 per week?","start":2876.43,"end":2882.19,"sentiment":"neutral","sentiment_score":0.13251998406999252}],"sentiment":"neutral","sentiment_score":0.07912214636802674,"num_words":25,"start":2869.525,"end":2882.19},{"sentences":[{"text":"Do you think that's still kind of, you know, achievable?","start":2882.19,"end":2885.49,"sentiment":"neutral","sentiment_score":0.10183583125472069},{"text":"Would that cover your bills and expenses if you take 1,500 per week, or would you need a bit more?","start":2886.59,"end":2892.465,"sentiment":"neutral","sentiment_score":0.04251406695693731},{"text":"Yes?","start":2895.325,"end":2895.825,"sentiment":"neutral","sentiment_score":0.017851263284683228},{"text":"Yeah.","start":2896.365,"end":2896.845,"sentiment":"neutral","sentiment_score":0.037711165845394135},{"text":"Do you think, like, 2,000, eighteen hundred, 2,000?","start":2896.845,"end":2900.705,"sentiment":"neutral","sentiment_score":0.02016485366038978}],"sentiment":"neutral","sentiment_score":0.05213802275247872,"num_words":40,"start":2882.19,"end":2900.705},{"sentences":[{"text":"Okay.","start":2900.7651,"end":2901.2651,"sentiment":"neutral","sentiment_score":0.024326534941792488},{"text":"I'll change that to 2,000.","start":2902.125,"end":2903.905,"sentiment":"neutral","sentiment_score":0.01464741826057434},{"text":"Yeah.","start":2904.365,"end":2904.865,"sentiment":"neutral","sentiment_score":0.10096827149391174},{"text":"Perfect.","start":2907.03,"end":2907.35,"sentiment":"positive","sentiment_score":0.3931889832019806},{"text":"So a minimum of about $22,000 per week.","start":2907.35,"end":2911.9302,"sentiment":"neutral","sentiment_score":0.14173800684511662}],"sentiment":"neutral","sentiment_score":0.10785155848134309,"num_words":16,"start":2900.7651,"end":2911.9302},{"sentences":[{"text":"Now inflation.","start":2913.75,"end":2915.6902,"sentiment":"neutral","sentiment_score":-0.047896282747387886},{"text":"So we kind of talked about this a little bit with everything getting more expensive.","start":2915.9102,"end":2919.755,"sentiment":"neutral","sentiment_score":-0.11118732864658037},{"text":"So if you think of superannuation alone, so only think of superannuation for these questions, how much risk would you be willing to take in order to tryna keep up with the rising prices, making sure that you stay on top of the the increase in prices in your superannuation, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk?","start":2920.2148,"end":2951.355,"sentiment":"neutral","sentiment_score":-0.036788848268104274},{"text":"Correct.","start":2965.83,"end":2966.33,"sentiment":"neutral","sentiment_score":0.003849448636174202},{"text":"Yes.","start":2966.71,"end":2967.21,"sentiment":"neutral","sentiment_score":0.017934106290340424}],"sentiment":"neutral","sentiment_score":-0.04837585741447078,"num_words":90,"start":2913.75,"end":2967.21},{"sentences":[{"text":"Do you think, like, very high risk, high, or a bit more moderate?","start":2974.95,"end":2979.975,"sentiment":"neutral","sentiment_score":-0.012110892396706801},{"text":"Yep.","start":2980.035,"end":2980.5151,"sentiment":"neutral","sentiment_score":0.11657530069351196},{"text":"Perfect.","start":2980.5151,"end":2981.0151,"sentiment":"positive","sentiment_score":0.41517511010169983},{"text":"And if you notice that your superannuation dropped by 20% in a six month period.","start":2983.475,"end":2992.8599,"sentiment":"neutral","sentiment_score":-0.04490044315656026},{"text":"Not because of a bad investment, just kind of the market as we as a whole, which which we have seen recently doing a little bit of fluctuations.","start":2994.44,"end":3002.38,"sentiment":"neutral","sentiment_score":-0.1256843697545784}],"sentiment":"neutral","sentiment_score":-0.06583379639376855,"num_words":58,"start":2974.95,"end":3002.38},{"sentences":[{"text":"Would you say that you would want to, if you had the option, invest a little bit more money while the prices are down, or would you kind of hold just wait and see what happens in the market, or would you want to sell out and then move to something a little bit safer?","start":3003.24,"end":3021.51,"sentiment":"neutral","sentiment_score":-0.001419612392783165},{"text":"They're a bit tricky.","start":3026.15,"end":3027.1301,"sentiment":"neutral","sentiment_score":-0.21247084811329842},{"text":"Invest?","start":3030.79,"end":3031.29,"sentiment":"neutral","sentiment_score":-0.028779208660125732},{"text":"Okay.","start":3031.51,"end":3032.01,"sentiment":"neutral","sentiment_score":0.010347014293074608},{"text":"Would you say you would invest a lot or just a little bit?","start":3032.31,"end":3035.37,"sentiment":"neutral","sentiment_score":0.012898689852311062}],"sentiment":"neutral","sentiment_score":-0.010523125680314528,"num_words":74,"start":3003.24,"end":3035.37},{"sentences":[{"text":"Just a little bit.","start":3036.615,"end":3037.495,"sentiment":"neutral","sentiment_score":-0.12160617485642435},{"text":"Yep.","start":3037.495,"end":3037.995,"sentiment":"neutral","sentiment_score":0.01736847497522831},{"text":"Yeah.","start":3038.615,"end":3039.115,"sentiment":"neutral","sentiment_score":0.3061429262161255},{"text":"Perfect.","start":3039.2551,"end":3039.7551,"sentiment":"positive","sentiment_score":0.6419806480407715},{"text":"And seeing any assets or superannuation or anything else full in value, if you ever saw it, do you think you that that would make you feel optimistic about potential opportunities in the future?","start":3041.415,"end":3060.01,"sentiment":"positive","sentiment_score":0.47094780557295857}],"sentiment":"positive","sentiment_score":0.4022266521777322,"num_words":41,"start":3036.615,"end":3060.01},{"sentences":[{"text":"Do you think you would be a bit bit more cautious not making further investments, or would you say very, very, very concerned or just somewhere in the middle, not too bothered?","start":3061.19,"end":3074.605,"sentiment":"neutral","sentiment_score":-0.2707684044726193},{"text":"If your superannuation fell.","start":3079.145,"end":3082.22,"sentiment":"negative","sentiment_score":-0.3981788083910942},{"text":"So it went down in value because of investment fluctuations.","start":3082.28,"end":3085.98,"sentiment":"negative","sentiment_score":-0.4347426652908325},{"text":"Was it a little, little bit from there?","start":3089.0,"end":3094.395,"sentiment":"neutral","sentiment_score":-0.18188949208706617},{"text":"Yep.","start":3094.715,"end":3095.155,"sentiment":"neutral","sentiment_score":0.039291080087423325}],"sentiment":"neutral","sentiment_score":-0.2912828306582841,"num_words":55,"start":3061.19,"end":3095.155},{"sentences":[{"text":"Yep.","start":3095.155,"end":3095.595,"sentiment":"neutral","sentiment_score":0.0942278653383255},{"text":"Perfect.","start":3095.595,"end":3096.095,"sentiment":"positive","sentiment_score":0.3821580410003662},{"text":"Let's see here.","start":3098.475,"end":3099.535,"sentiment":"neutral","sentiment_score":0.17126373946666718},{"text":"And would you ever consider taking out a loan to invest in the stock market, like funds and stocks or anything like that?","start":3100.955,"end":3109.31,"sentiment":"neutral","sentiment_score":0.06295296711766202},{"text":"No.","start":3112.57,"end":3112.9702,"sentiment":"neutral","sentiment_score":-0.08314976096153259}],"sentiment":"neutral","sentiment_score":0.081205020947703,"num_words":29,"start":3095.155,"end":3112.9702},{"sentences":[{"text":"Would you ever borrow for an investment property or just for your own house?","start":3112.9702,"end":3119.31,"sentiment":"neutral","sentiment_score":-0.04153313833687987},{"text":"Yes.","start":3127.945,"end":3128.445,"sentiment":"neutral","sentiment_score":0.03930750861763954},{"text":"Would you or just just for your property, like your mortgage that you have?","start":3128.905,"end":3132.99,"sentiment":"neutral","sentiment_score":0.030685628897377422},{"text":"Yeah.","start":3140.11,"end":3140.59,"sentiment":"positive","sentiment_score":0.3539046347141266},{"text":"Perfect.","start":3140.59,"end":3141.09,"sentiment":"positive","sentiment_score":0.4875914454460144}],"sentiment":"neutral","sentiment_score":0.02351414376208859,"num_words":31,"start":3112.9702,"end":3141.09},{"sentences":[{"text":"Now when I add all of these up, it tells me here that your risk tolerance do adds up to that growth portfolio that we have.","start":3142.27,"end":3152.335,"sentiment":"neutral","sentiment_score":0.16277374183902374},{"text":"So from how you have answered the question, the risk you are currently in does align.","start":3152.795,"end":3162.3699,"sentiment":"neutral","sentiment_score":0.07233716500923038},{"text":"If you still want to increase it, we can as long as that you'll be comfortable.","start":3163.0698,"end":3167.8098,"sentiment":"neutral","sentiment_score":0.12896960461512208},{"text":"But if we increase it to a high growth, what that means is that you're gonna see more fluctuations in short term, in the long term, trying to achieve high over time.","start":3167.8699,"end":3178.5352,"sentiment":"neutral","sentiment_score":0.05052158321996103},{"text":"So it depends on what you are comfortable with as well because when we are also looking at a time frame, so making sure that you have enough time in the market, in a growth portfolio, we wanna allow at least six years until you retire, whereas a high growth, eight years.","start":3180.5151,"end":3198.795,"sentiment":"neutral","sentiment_score":0.1484935830992002}],"sentiment":"neutral","sentiment_score":0.11824917314085506,"num_words":142,"start":3142.27,"end":3198.795},{"sentences":[{"text":"So you have the time for for both, but it's also where you are comfortable with.","start":3199.355,"end":3206.075,"sentiment":"neutral","sentiment_score":0.3230043761432171},{"text":"Because if you saw your fluctuations drop in value and that would make you quite concerned, then maybe growth is suitable.","start":3206.075,"end":3217.0698,"sentiment":"neutral","sentiment_score":-0.0696845008503823},{"text":"But if you feel like, you know what?","start":3217.53,"end":3219.47,"sentiment":"neutral","sentiment_score":0.03216052148491144},{"text":"I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you.","start":3219.53,"end":3231.385,"sentiment":"neutral","sentiment_score":0.3074740657680913},{"text":"But, also, with the SMA, I can build it I can do a mix of different portfolios.","start":3238.565,"end":3245.145,"sentiment":"neutral","sentiment_score":0.3105562828919467}],"sentiment":"neutral","sentiment_score":0.209254509806633,"num_words":100,"start":3199.355,"end":3245.145},{"sentences":[{"text":"So if you go, I kind of like both.","start":3245.34,"end":3249.34,"sentiment":"neutral","sentiment_score":0.2845771809418996},{"text":"I can always do a mix of in between.","start":3249.34,"end":3253.28,"sentiment":"neutral","sentiment_score":0.2758936617109511},{"text":"So in a growth, we have your eighty twenty split.","start":3253.4202,"end":3256.9602,"sentiment":"neutral","sentiment_score":0.18283291459083556},{"text":"A high growth, you have 92 ninety ten.","start":3257.06,"end":3261.085,"sentiment":"neutral","sentiment_score":0.2628641054034233},{"text":"So 90 is through those growth investments.","start":3261.385,"end":3263.9648,"sentiment":"neutral","sentiment_score":0.23669392509119852}],"sentiment":"neutral","sentiment_score":0.24726365229418112,"num_words":43,"start":3245.34,"end":3263.9648},{"sentences":[{"text":"I can always do it where it's, like, eighty five fifteen if you wanna take a little bit more, but not fully.","start":3265.2249,"end":3273.325,"sentiment":"neutral","sentiment_score":0.10849149525165558},{"text":"Another way to kind of relook at it again is if you go back into the documents in your email there, do you see one where it says your Vanguard index chart?","start":3274.7449,"end":3283.66,"sentiment":"neutral","sentiment_score":0.03973284171661362},{"text":"Can you see that one?","start":3283.72,"end":3285.0198,"sentiment":"neutral","sentiment_score":0.022983598336577416},{"text":"Yeah.","start":3285.96,"end":3286.46,"sentiment":"neutral","sentiment_score":0.06861425191164017},{"text":"So this one here, I think we went through this last time.","start":3286.68,"end":3290.655,"sentiment":"neutral","sentiment_score":0.05287204341342052}],"sentiment":"neutral","sentiment_score":0.06217028604199489,"num_words":72,"start":3265.2249,"end":3290.655},{"sentences":[{"text":"It's just an updated one, but this one shows you the different breakdown.","start":3290.655,"end":3294.995,"sentiment":"neutral","sentiment_score":0.0514703828554887},{"text":"So yeah.","start":3295.215,"end":3296.195,"sentiment":"neutral","sentiment_score":0.09459683299064636},{"text":"So in your high in your growth, sorry.","start":3296.575,"end":3299.455,"sentiment":"neutral","sentiment_score":0.12320140562951565},{"text":"So how you are currently invested, if you look at the top four, so The US shares, Australian shares, international shares, and the property, this this is where you currently have about 80%, and then you have 20 in the bottom.","start":3299.455,"end":3314.43,"sentiment":"neutral","sentiment_score":0.13831636509517345},{"text":"So those are the ones that you see fluctuate the most, but they also grow the most.","start":3314.73,"end":3321.105,"sentiment":"neutral","sentiment_score":0.25472625651780295}],"sentiment":"neutral","sentiment_score":0.14623749651658682,"num_words":81,"start":3290.655,"end":3321.105},{"sentences":[{"text":"So if we change it, it will be 90% in the top one, ten in the bottom.","start":3321.105,"end":3327.345,"sentiment":"neutral","sentiment_score":0.21430211777196212},{"text":"It means that your gold will be less as well, or we can do a mix between the two.","start":3327.345,"end":3333.69,"sentiment":"neutral","sentiment_score":-0.04722176590248158},{"text":"Or if you're comfortable mix?","start":3336.25,"end":3339.05,"sentiment":"neutral","sentiment_score":0.06409343220293522},{"text":"Okay.","start":3339.05,"end":3339.55,"sentiment":"neutral","sentiment_score":0.07708173990249634},{"text":"I can have a look at that.","start":3339.6099,"end":3340.81,"sentiment":"neutral","sentiment_score":0.10971910506486893}],"sentiment":"neutral","sentiment_score":0.0798266344152543,"num_words":49,"start":3321.105,"end":3340.81},{"sentences":[{"text":"So because with the SMA, I can do, like, a fifty fifty, 50 to one and fifty to another to put you kind of somewhere in the middle where it's more around eighty five, fifteen.","start":3340.81,"end":3351.335,"sentiment":"neutral","sentiment_score":0.09816684222647122},{"text":"Do you think you'd be okay with that?","start":3355.2349,"end":3357.015,"sentiment":"neutral","sentiment_score":0.1366094695404172},{"text":"Yeah?","start":3358.275,"end":3358.755,"sentiment":"neutral","sentiment_score":0.08703455328941345},{"text":"Okay.","start":3358.755,"end":3359.255,"sentiment":"neutral","sentiment_score":0.13367585837841034},{"text":"Now I will go and do the research on the SMA for you, but I will also research other options.","start":3360.33,"end":3366.75,"sentiment":"neutral","sentiment_score":0.19326207041740417}],"sentiment":"neutral","sentiment_score":0.13253333929639596,"num_words":65,"start":3340.81,"end":3366.75},{"sentences":[{"text":"So if it is that there's other options that's going to be better than the SMA, then I will recommend that.","start":3367.05,"end":3372.03,"sentiment":"neutral","sentiment_score":0.2428315281867981},{"text":"If the SMA is going to be better than you are currently, then I will recommend it.","start":3372.1702,"end":3377.2751,"sentiment":"neutral","sentiment_score":0.31667442795108347},{"text":"But I'll still run through the changes with you, and then you can let me know.","start":3377.2751,"end":3384.0752,"sentiment":"neutral","sentiment_score":0.1478412952274084},{"text":"And what I can do as well for you, Connie, is if you would like it can be confusing, but what I can is I can even send you an email with a bit more information on the concept of the SMA if you would like to read up on it a little bit before our next catch up if if that is something that you would would find helpful.","start":3384.0752,"end":3401.82,"sentiment":"neutral","sentiment_score":0.10487684937460082},{"text":"Yeah.","start":3403.4001,"end":3403.9001,"sentiment":"neutral","sentiment_score":0.29388314485549927}],"sentiment":"neutral","sentiment_score":0.16386920553445816,"num_words":125,"start":3367.05,"end":3403.9001},{"sentences":[{"text":"I will send that through.","start":3404.52,"end":3405.9802,"sentiment":"positive","sentiment_score":0.42216709852218626},{"text":"Now I will go and do this research on the investments for you.","start":3406.515,"end":3409.895,"sentiment":"neutral","sentiment_score":0.24158635620887464},{"text":"Like I said, it will take a couple of weeks for me to get all of it together.","start":3410.355,"end":3413.9749,"sentiment":"neutral","sentiment_score":0.17850391483969158},{"text":"But as soon as as soon as I have it ready, I will give you a call, and I will run through the changes.","start":3414.4348,"end":3419.62,"sentiment":"neutral","sentiment_score":0.19174566864967346},{"text":"And then we can, you know, see what we would like to do.","start":3420.1602,"end":3423.46,"sentiment":"neutral","sentiment_score":0.16661562197483504}],"sentiment":"neutral","sentiment_score":0.20866339347542148,"num_words":73,"start":3404.52,"end":3423.46},{"sentences":[{"text":"Yeah.","start":3424.48,"end":3424.98,"sentiment":"neutral","sentiment_score":0.10766510665416718},{"text":"Now while I am doing the research, is there anything else you want me to look at for you?","start":3425.84,"end":3430.4001,"sentiment":"neutral","sentiment_score":0.13617195973270818},{"text":"Are you still happy with your insurances and the way things are set up otherwise?","start":3430.4001,"end":3434.275,"sentiment":"neutral","sentiment_score":0.13261188218990963},{"text":"It's mainly just having a bit of a look at that super for you.","start":3434.335,"end":3438.035,"sentiment":"neutral","sentiment_score":0.2974674424954823},{"text":"Yeah.","start":3445.855,"end":3446.355,"sentiment":"neutral","sentiment_score":0.24594558775424957}],"sentiment":"neutral","sentiment_score":0.18189200714230538,"num_words":50,"start":3424.48,"end":3446.355},{"sentences":[{"text":"We can always take it one one thing at a time as well so it doesn't get too much.","start":3447.1199,"end":3451.8398,"sentiment":"neutral","sentiment_score":0.27120548525923177},{"text":"So I will have a look at this.","start":3451.8398,"end":3454.0999,"sentiment":"neutral","sentiment_score":0.17625921592116356},{"text":"I will send you an email with the SMA, and I'll also incent that cash flow and budget for you.","start":3454.4,"end":3458.895,"sentiment":"neutral","sentiment_score":0.3166721373796463},{"text":"For you.","start":3458.895,"end":3459.795,"sentiment":"neutral","sentiment_score":0.1289726383984089},{"text":"If you could do it now, that would be good because nothing's changing.","start":3465.455,"end":3469.235,"sentiment":"positive","sentiment_score":0.3764818058564113}],"sentiment":"neutral","sentiment_score":0.2911069265777065,"num_words":62,"start":3447.1199,"end":3469.235},{"sentences":[{"text":"So if I go and make a change if I recommend that we change anything, it's not gonna cost you anymore.","start":3469.695,"end":3477.4,"sentiment":"neutral","sentiment_score":0.24504032589140393},{"text":"It's all part of the ongoing advice, see that 1.65.","start":3477.4,"end":3480.5999,"sentiment":"neutral","sentiment_score":0.25330948978662493},{"text":"It stays exactly the same.","start":3480.5999,"end":3482.22,"sentiment":"neutral","sentiment_score":0.3025526702404022},{"text":"There's no more upfront or anything like that.","start":3482.28,"end":3484.5999,"sentiment":"neutral","sentiment_score":0.18308653496205807},{"text":"It all stays the same.","start":3484.5999,"end":3485.925,"sentiment":"neutral","sentiment_score":0.2786210775375366}],"sentiment":"neutral","sentiment_score":0.2459082195953447,"num_words":49,"start":3469.695,"end":3485.925},{"sentences":[{"text":"But if you are happy to sign the documents, it just means that we can keep service and assist you in the meantime on until we speak as well, and it's not changing anything as long as you're happy to sign those documents.","start":3486.725,"end":3497.865,"sentiment":"neutral","sentiment_score":0.2843917029541592},{"text":"Yep.","start":3499.845,"end":3500.345,"sentiment":"neutral","sentiment_score":0.13781222701072693},{"text":"Now it might look a little bit different than the DocuSign did last time.","start":3501.74,"end":3506.4,"sentiment":"neutral","sentiment_score":0.018663855269551277},{"text":"So let me know how you go with the signing and if you have any issues.","start":3507.02,"end":3511.26,"sentiment":"neutral","sentiment_score":0.10597540298476815},{"text":"When you finish, it should say complete.","start":3511.26,"end":3513.705,"sentiment":"neutral","sentiment_score":0.07364982472998756}],"sentiment":"neutral","sentiment_score":0.18319882282320363,"num_words":81,"start":3486.725,"end":3513.705},{"sentences":[{"text":"Are you going okay with with signing it?","start":3521.465,"end":3523.625,"sentiment":"neutral","sentiment_score":-0.011458673980087042},{"text":"Because it's a little bit different than the old system.","start":3523.625,"end":3529.9,"sentiment":"neutral","sentiment_score":-0.07578277103602886},{"text":"Oh, perfect.","start":3530.04,"end":3530.94,"sentiment":"neutral","sentiment_score":0.16935139894485474},{"text":"Oh, perfect.","start":3533.48,"end":3534.54,"sentiment":"neutral","sentiment_score":0.216325543820858},{"text":"That's great.","start":3534.5999,"end":3535.42,"sentiment":"positive","sentiment_score":0.47309254109859467}],"sentiment":"neutral","sentiment_score":0.03616841106365124,"num_words":24,"start":3521.465,"end":3535.42},{"sentences":[{"text":"Now that's very good.","start":3536.52,"end":3538.04,"sentiment":"positive","sentiment_score":0.39974113553762436},{"text":"Sometimes it's it's a bit tricky, especially with the new software, and I I'm not great with IT sometimes.","start":3538.04,"end":3544.255,"sentiment":"neutral","sentiment_score":-0.16682336910774834},{"text":"So that's good.","start":3545.115,"end":3546.015,"sentiment":"neutral","sentiment_score":0.03524770153065523},{"text":"So I can see that that has come yes.","start":3547.355,"end":3550.715,"sentiment":"neutral","sentiment_score":0.10002193599939346},{"text":"I've just got a notification that that's been received, which is great.","start":3550.715,"end":3554.35,"sentiment":"neutral","sentiment_score":0.1586694816748301}],"sentiment":"neutral","sentiment_score":0.028495634846547817,"num_words":47,"start":3536.52,"end":3554.35},{"sentences":[{"text":"So I will get working on this research here for you, Connie.","start":3554.57,"end":3557.29,"sentiment":"neutral","sentiment_score":0.31770363201697666},{"text":"Like I said, I'll send you the cash flow and budget.","start":3557.29,"end":3559.4702,"sentiment":"neutral","sentiment_score":0.25147264247590845},{"text":"If you have a moment, you obviously work through it.","start":3559.6902,"end":3562.9902,"sentiment":"neutral","sentiment_score":0.24085672646760942},{"text":"If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or if there is any other areas that you wanna have a look at as well.","start":3563.05,"end":3577.445,"sentiment":"neutral","sentiment_score":0.20575343504332114},{"text":"So it it it can be a lot of different things.","start":3586.28,"end":3588.92,"sentiment":"neutral","sentiment_score":0.029453607784076172}],"sentiment":"neutral","sentiment_score":0.20803704973211332,"num_words":113,"start":3554.57,"end":3588.92},{"sentences":[{"text":"So it can be if you just want a general conversation in regards to finances, if you wanna look at different contributions into super, there's different structures for it, if you wanna look at different salary sacrifices, if you wanna look at different personal investments, so a personal investment account for you, if you wanna look at investment structures for your son, if you wanna look at a a range of different options because we are a holistic firm.","start":3588.92,"end":3621.16,"sentiment":"neutral","sentiment_score":0.18628345198834997},{"text":"So there are a lot of areas that we can provide advice on depending on what you want.","start":3621.16,"end":3627.9849,"sentiment":"positive","sentiment_score":0.4122464391920302},{"text":"So if there is anything to do with your finances that you want assistance or guidance with or even, you know, cash on budget and stuff like that, Does that clarify anything, or does that make sense?","start":3628.445,"end":3640.26,"sentiment":"neutral","sentiment_score":0.20290776281743436},{"text":"That's quite broad.","start":3640.8,"end":3641.78,"sentiment":"neutral","sentiment_score":0.09660764286915462},{"text":"Defined.","start":3655.455,"end":3655.955,"sentiment":"neutral","sentiment_score":-0.09953934699296953}],"sentiment":"neutral","sentiment_score":0.21619347404634606,"num_words":138,"start":3588.92,"end":3655.955},{"sentences":[{"text":"Yep.","start":3663.935,"end":3664.2,"sentiment":"neutral","sentiment_score":-0.039431896060705185},{"text":"It can so with because that's kind of a different that's more like your loan structure.","start":3672.8398,"end":3677.955,"sentiment":"neutral","sentiment_score":-0.2076591942459345},{"text":"So because I'm not a lender, I can't do, like, loan structures.","start":3678.0352,"end":3682.695,"sentiment":"negative","sentiment_score":-0.3624144767721494},{"text":"I can always so we work very closely with lenders, so mortgage brokers and stuff like that, but they can also do personal loans, some of them.","start":3683.7952,"end":3692.695,"sentiment":"neutral","sentiment_score":0.06708412093144876},{"text":"So if it is a situation where you want to do car loans or you want to do even review your mortgage structure or anything like that, you can always just let me know, and I can always get someone to give you a call and talk a bit more with lending side of it.","start":3693.56,"end":3711.095,"sentiment":"neutral","sentiment_score":0.12774000669067556}],"sentiment":"neutral","sentiment_score":0.010144314485358762,"num_words":111,"start":3663.935,"end":3711.095},{"sentences":[{"text":"I just won't be able to do it because I don't have I'm not a mortgage broker, but I can get one of our contacts to get in touch with you through review at lending if it is that you want to do.","start":3711.4749,"end":3724.01,"sentiment":"neutral","sentiment_score":0.014813231174335924},{"text":"Or even some people do it from, like if you have a lot of different credit cards and personal loans, they can look at kind of consolidating things as well.","start":3724.01,"end":3731.23,"sentiment":"neutral","sentiment_score":0.05286075674618284},{"text":"So but, otherwise, often, it's also depending on where you buy the car from and what loans they have and stuff like that.","start":3733.105,"end":3740.7048,"sentiment":"neutral","sentiment_score":-0.021151774967818157},{"text":"And if you because especially if it's secondhand, some might be restrictive of what what you can do.","start":3740.7048,"end":3748.3398,"sentiment":"neutral","sentiment_score":-0.10272778658610252},{"text":"But it might even be good sometimes speaking to a mortgage broker because you might be able to draw some equity from the house, for example, depending on what you are comfortable with because a car loan sometimes can be higher interest than potentially the mortgage.","start":3748.88,"end":3768.355,"sentiment":"neutral","sentiment_score":0.12892140213238157}],"sentiment":"neutral","sentiment_score":0.03635990723851137,"num_words":160,"start":3711.4749,"end":3768.355},{"sentences":[{"text":"Yeah.","start":3768.7349,"end":3769.2349,"sentiment":"neutral","sentiment_score":0.11984483152627944},{"text":"So sometimes it's not a bad idea to do a bit of a mortgage review because you might the property price may have increased quite a bit since you bought it, and your mortgage goes down.","start":3769.695,"end":3781.23,"sentiment":"neutral","sentiment_score":0.05481404666271475},{"text":"So there might be, you know, ways of utilizing some from the mortgage and getting it refinanced to get potentially a bit more money to do something else.","start":3781.9302,"end":3793.6948,"sentiment":"neutral","sentiment_score":0.17325734001185214},{"text":"Would you like me to get our mortgage broker to give you a call to to it's just a free review.","start":3795.275,"end":3801.21,"sentiment":"neutral","sentiment_score":0.29227347175280255},{"text":"They can always review your your mortgage and the way things are and see you know?","start":3801.21,"end":3805.69,"sentiment":"neutral","sentiment_score":0.2779508689418435}],"sentiment":"neutral","sentiment_score":0.17185600825092373,"num_words":102,"start":3768.7349,"end":3805.69},{"sentences":[{"text":"And you can talk to them about, like, okay.","start":3805.69,"end":3807.45,"sentiment":"neutral","sentiment_score":0.16179865101973215},{"text":"Well, do I have any extra equity, or what could I draw from that?","start":3807.45,"end":3811.29,"sentiment":"neutral","sentiment_score":0.07652651092835835},{"text":"Obviously, it will potentially change the loan.","start":3811.29,"end":3814.57,"sentiment":"neutral","sentiment_score":-0.09416341009948935},{"text":"But because the the property value has probably gone up, there might be a lot of flexibilities.","start":3814.57,"end":3820.805,"sentiment":"neutral","sentiment_score":0.0918058314744164},{"text":"And I think I think it's good to relook at the mortgage every year just to see what the rates are and see how things change, especially if property prices have gone up quite a lot lately.","start":3821.105,"end":3833.25,"sentiment":"neutral","sentiment_score":0.1571648364534249}],"sentiment":"neutral","sentiment_score":0.11005015744428549,"num_words":84,"start":3805.69,"end":3833.25},{"sentences":[{"text":"Yeah.","start":3834.83,"end":3835.33,"sentiment":"neutral","sentiment_score":0.024429839104413983},{"text":"Yeah.","start":3846.135,"end":3846.635,"sentiment":"neutral","sentiment_score":0.015744701027870178},{"text":"Yeah.","start":3847.735,"end":3848.235,"sentiment":"neutral","sentiment_score":0.04741667211055755},{"text":"Yeah.","start":3849.895,"end":3850.395,"sentiment":"neutral","sentiment_score":0.08868658542633057},{"text":"Yeah.","start":3854.0552,"end":3854.215,"sentiment":"neutral","sentiment_score":0.11498454213142396}],"sentiment":"neutral","sentiment_score":0.05825246796011925,"num_words":5,"start":3834.83,"end":3854.215},{"sentences":[{"text":"Yes.","start":3854.215,"end":3854.715,"sentiment":"neutral","sentiment_score":0.16013571619987488},{"text":"So I can do general general advice I can do.","start":3854.7751,"end":3858.87,"sentiment":"neutral","sentiment_score":0.20873612463474273},{"text":"So even if you send me, hey.","start":3859.03,"end":3860.9502,"sentiment":"neutral","sentiment_score":0.15568015617983683},{"text":"These are the different banks I have.","start":3860.9502,"end":3862.81,"sentiment":"neutral","sentiment_score":0.11772647606475013},{"text":"We can just do some general information on the different interests and stuff like that.","start":3864.3901,"end":3868.6301,"sentiment":"neutral","sentiment_score":0.15614550908406574}],"sentiment":"neutral","sentiment_score":0.16258815061300994,"num_words":40,"start":3854.215,"end":3868.6301},{"sentences":[{"text":"But, again, the mortgage broker is typically the best one because they have all the rates and they have access to all of it.","start":3868.6301,"end":3875.7349,"sentiment":"neutral","sentiment_score":0.2994334840526183},{"text":"And they can say, okay.","start":3875.7349,"end":3877.015,"sentiment":"neutral","sentiment_score":0.03261936530470848},{"text":"Well, if you swap through do you know who your bank is that your mortgage is with?","start":3877.015,"end":3881.755,"sentiment":"neutral","sentiment_score":0.014666663428001544},{"text":"And your other banks?","start":3888.55,"end":3890.81,"sentiment":"neutral","sentiment_score":0.009675487061031163},{"text":"Yeah?","start":3894.87,"end":3895.37,"sentiment":"neutral","sentiment_score":0.011990788392722608}],"sentiment":"neutral","sentiment_score":0.14999071487645602,"num_words":51,"start":3868.6301,"end":3895.37},{"sentences":[{"text":"That's okay.","start":3903.685,"end":3904.585,"sentiment":"neutral","sentiment_score":0.07583221048116684},{"text":"Yeah.","start":3908.005,"end":3908.505,"sentiment":"neutral","sentiment_score":0.07294410467147827},{"text":"Yeah.","start":3909.685,"end":3910.185,"sentiment":"neutral","sentiment_score":0.0956524908542633},{"text":"Yeah?","start":3913.86,"end":3914.36,"sentiment":"neutral","sentiment_score":0.10258764028549194},{"text":"And it can be good because depending on each of the banks, there might be an administration fee just to hold the account.","start":3915.78,"end":3923.4,"sentiment":"neutral","sentiment_score":0.2065550587747408}],"sentiment":"neutral","sentiment_score":0.18477196459259307,"num_words":28,"start":3903.685,"end":3923.4},{"sentences":[{"text":"And if you are paying administration fee for all of them, that might cost more, or some might not have administration fees.","start":3923.7,"end":3932.0952,"sentiment":"neutral","sentiment_score":0.08453924937004392},{"text":"So if you would like me to, I'd be more than happy to organize our mortgage broker to give you a call and kind of assess things for you because they can do a bit of a a review of your mortgage structure with the banks and stuff like that because they have access to all the rates of what you are getting on the banks, but then also a comparison of if there's administration fees and stuff like that that you are paying.","start":3933.115,"end":3960.565,"sentiment":"neutral","sentiment_score":0.27320063628611113},{"text":"Because I think that could be quite helpful for you if that is something you're comfortable with.","start":3961.1848,"end":3969.03,"sentiment":"neutral","sentiment_score":0.3205351207186194},{"text":"Yeah.","start":3969.03,"end":3969.43,"sentiment":"neutral","sentiment_score":0.2024003565311432},{"text":"I think so too.","start":3969.43,"end":3970.73,"sentiment":"neutral","sentiment_score":0.26120464131236076}],"sentiment":"neutral","sentiment_score":0.24613306959508918,"num_words":128,"start":3923.7,"end":3970.73},{"sentences":[{"text":"Now I will send and I think it's good for everyone to do.","start":3972.0698,"end":3975.77,"sentiment":"positive","sentiment_score":0.37761290027545047},{"text":"Now I will send an introduction email so you have the details as well, but I'll get them to reach out to you.","start":3976.47,"end":3982.135,"sentiment":"neutral","sentiment_score":0.23356528709764066},{"text":"And when is the best time for you, Connie, for them to give you a quick phone call?","start":3982.515,"end":3987.095,"sentiment":"neutral","sentiment_score":0.14162214141752985},{"text":"Tomorrow tomorrow afternoon around one.","start":3998.37,"end":4002.1301,"sentiment":"neutral","sentiment_score":0.04632939547300339},{"text":"Okay.","start":4002.1301,"end":4002.6301,"sentiment":"neutral","sentiment_score":0.02158977836370468}],"sentiment":"neutral","sentiment_score":0.2180567434678475,"num_words":60,"start":3972.0698,"end":4002.6301},{"sentences":[{"text":"Yeah.","start":4005.81,"end":4006.31,"sentiment":"neutral","sentiment_score":0.09275586903095244},{"text":"Okay.","start":4006.4502,"end":4006.77,"sentiment":"neutral","sentiment_score":0.1863413006067276},{"text":"Perfect.","start":4006.77,"end":4007.175,"sentiment":"positive","sentiment_score":0.3502938747406006},{"text":"I will do I will send that introduction, Emma, before I leave today and see if they can give you a call tomorrow, month one.","start":4007.335,"end":4014.955,"sentiment":"neutral","sentiment_score":0.22590893089771272},{"text":"They are they're very good with responding to emails.","start":4015.735,"end":4018.235,"sentiment":"positive","sentiment_score":0.4130436380704244}],"sentiment":"neutral","sentiment_score":0.2701218124177005,"num_words":37,"start":4005.81,"end":4018.235},{"sentences":[{"text":"Otherwise so if they can't, they are pretty good with responding.","start":4018.375,"end":4022.51,"sentiment":"neutral","sentiment_score":0.31514299593188544},{"text":"Otherwise, they will give you a call and kind of run through the option.","start":4023.1301,"end":4026.17,"sentiment":"neutral","sentiment_score":0.31565594034535543},{"text":"And then the good thing is as well that when we then catch up in a couple of weeks for your super, you can let me know as well how things went, and then we can always work on things together.","start":4026.17,"end":4036.395,"sentiment":"positive","sentiment_score":0.4231367819919819},{"text":"So I will get them to do that.","start":4037.895,"end":4039.9749,"sentiment":"positive","sentiment_score":0.3670670948922634},{"text":"And like I said, it's just a free review on the mortgage, and it's a good especially if you have different banks and mortgages and so just one mortgage, but different banks, they can run kind of a good comparison on on all of that for you.","start":4039.9749,"end":4052.3198,"sentiment":"positive","sentiment_score":0.40028214518060073}],"sentiment":"positive","sentiment_score":0.3882988575568869,"num_words":121,"start":4018.375,"end":4052.3198},{"sentences":[{"text":"So I will get them through I'll send that email for you today.","start":4054.7,"end":4058.3198,"sentiment":"neutral","sentiment_score":0.2250399337365077},{"text":"I will also send the SMA email for some information, the cash flow and budget.","start":4058.7798,"end":4064.075,"sentiment":"neutral","sentiment_score":0.18499396642049154},{"text":"And, otherwise, I will give you a call in a couple of weeks to run through all the research, and we can kind of touch base on how you went with speaking with the lender.","start":4064.295,"end":4073.275,"sentiment":"neutral","sentiment_score":0.2039016902446747},{"text":"But do you have any other questions or need anything else from me before I let you go otherwise today?","start":4074.295,"end":4080.34,"sentiment":"neutral","sentiment_score":0.09305023886263371},{"text":"No?","start":4084.16,"end":4084.66,"sentiment":"neutral","sentiment_score":0.1362567842006683}],"sentiment":"neutral","sentiment_score":0.17659820660593964,"num_words":84,"start":4054.7,"end":4084.66},{"sentences":[{"text":"Okay.","start":4084.72,"end":4085.22,"sentiment":"neutral","sentiment_score":0.2252245396375656},{"text":"Perfect.","start":4085.28,"end":4085.78,"sentiment":"positive","sentiment_score":0.414199560880661},{"text":"No.","start":4085.84,"end":4086.08,"sentiment":"neutral","sentiment_score":0.2273775190114975},{"text":"That's okay, Connie.","start":4086.08,"end":4087.1199,"sentiment":"neutral","sentiment_score":0.3032544453938802},{"text":"If you think of anything else during the meantime, you can always send me an email or or give me a call, and, we can always book in a catch up whenever you want to if there is anything else that that pops up, that you need help with as well.","start":4087.1199,"end":4098.505,"sentiment":"neutral","sentiment_score":0.18278613774215474}],"sentiment":"neutral","sentiment_score":0.19471329790458344,"num_words":57,"start":4084.72,"end":4098.505},{"sentences":[{"text":"Yeah.","start":4099.765,"end":4100.265,"sentiment":"neutral","sentiment_score":0.17285938560962677},{"text":"Perfect.","start":4100.565,"end":4101.065,"sentiment":"neutral","sentiment_score":0.08693627268075943},{"text":"Well, thank you so much for your time this afternoon.","start":4101.71,"end":4104.19,"sentiment":"positive","sentiment_score":0.3409570693969727},{"text":"It was lovely to speak to you again for a little while.","start":4104.19,"end":4107.9697,"sentiment":"positive","sentiment_score":0.5606165279944738},{"text":"And I look forward to, you know, speaking with you very soon again about all of this.","start":4110.11,"end":4114.413,"sentiment":"positive","sentiment_score":0.3738984307822059}],"sentiment":"positive","sentiment_score":0.40861068320710486,"num_words":41,"start":4099.765,"end":4114.413},{"sentences":[{"text":"Yeah.","start":4115.373,"end":4115.873,"sentiment":"neutral","sentiment_score":0.3124054968357086},{"text":"Perfect.","start":4116.333,"end":4116.833,"sentiment":"positive","sentiment_score":0.5003973841667175},{"text":"You too, Connie.","start":4117.853,"end":4118.913,"sentiment":"neutral","sentiment_score":0.28259042898813885},{"text":"We'll speak soon.","start":4118.973,"end":4120.033,"sentiment":"neutral","sentiment_score":0.16145411630471548},{"text":"Bye.","start":4120.573,"end":4121.073,"sentiment":"neutral","sentiment_score":0.15123417973518372}],"sentiment":"neutral","sentiment_score":0.255130077401797,"num_words":9,"start":4115.373,"end":4121.073}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hello? I'm good. How are you? Haven't heard from you for a while. I know. Have you enjoying your new house? Yes. Oh, great. Yes. Financial distress. I'm sure everyone is. Yeah. And also my house, like, getting old and things falling apart, and I need to fix them. Yep. Yes. I'm not sure. My 16 year old cost me a lot of money. Yes. Yeah. I hope so. Yep. Yep. Well, I know. But, you know, teenagers, if you still remember. So he's learning, driving, and almost finished, and then he will try to get his p plate. And once get the p plate, and, of course, they will demand a car. And then once there's a car, there's more insurance and more obviously, single child, they don't care, and they they will just ask mom. Mom. Mom. Mom. So I'm not sure about this this I don't know. How can I get the money thing? No. Because I realized that I don't budget. Yeah. Yeah. Yep. Okay. Yep. That's alright. Yep. I'm already thinking finding it. Should I find it? Yeah. The advisor seems increased. Yep. Oh, okay. Yep. That's fine. Yep. Tony Tanker, Inc. The second 01/19/7435 Collingwell Circuit, Pimpama 4209. Yep. Yep. I don't think there is reason to call my son. He won't be knowing what he won't be able to know what to do. Can I put my friend, please? Nicholene, n I c o l e n e. Oh, she's going to get married this Saturday. I'm not sure if she's going to change the last name, but I guess you can still use the his last name first as small, s m a l. 0404 344 289. Oh, they are your company clients anyway. Yeah. Yeah. Yeah. I know. Yeah. Yeah. Yes. Yes. Yeah. That's a small one. Yeah. Yeah. I hope so. Yep. Yep. Yep. Nope. Nope. I'm still in this. Mhmm. Yeah. No. It's still the same. Sorry. What is what was that? Yep. Do my best. Yep. No idea. I think now it's around 200. No. I got a car crash in May last year. It's got written off. Yeah. My son was in the car luckily. He was alright. It was hitting his thigh anyway. Yeah. So now my car is a secondhand Hyundai I no. Hyundai Accent Sport. Oh, it's only around I bought it a fine 14,000. Something like that. No. It's insurance payout covered, the car. Yep. Yep. Yep. Yep. I wish. Maybe in my dream. Yes. Exactly. I'm waiting. Nope. Still no credit card. Yeah. The solar hasn't installed yet, so the the payment hasn't started yet. Well, they set March 31 to install. Yes. We'll never pick up. Don't worry. No. Not not going to drink. Not going to smoke. Yep. Oh, no. Just trying some collagen powder. They didn't really work. Yeah. Yep. Still with Bupa. Still the same. It might be a a while. Yep. Nothing really changed. So yeah. Yep. Yep. Yep. No. No. I wish. Okay. Mainly, it's relate to my son because as I said, my need to get a very cheap car, so another finance, and see how he goes with his year 12 results, I guess. So I'm planning to put off any traveling for this year because of his his coming expenses. So, yeah, no traveling. Yes. But the the work colleagues lately has been talking a lot about I should have find another way of have some income instead of just work. Yeah. So, yeah, someone some people suggested I should buy gold. And, also, some people said if I have super over 200 something, then maybe I can think of doing what's that called again? Yeah. That's right. Yes. I definitely know. Yep. Of course. Yeah. Oh, I'm definitely not at the moment. How about investment in gold? Real gold? Yeah. I know. I missed it. Yeah. So for current what happened at Middle East, the investment of my that's her super. Is that right? How how bad is the, like, should I like, I I don't recall what I chose, but or is there anything related to that that I should shovel around a bit, or do I need to do anything about it? What do you Yeah. Yeah. Yep. Yep. Yep. Yep. Oh, the the service guide version one. Yep. Yep. Yeah. Yep. The financial services guide. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Yep. That's right. I've been paying. Yep. Yep. Correct. Yep. Yeah. Yep. Okay. The next one is the twelve month $12.24 I r 0, whatever that is. Numbers. Yes. Yep. Yeah. Okay. That makes sense. But I just questioned the Global X Physical Gold. The buying period is zero. Everything stays the same. What what is the what is that one for? No. Yes. Yes. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Oh, yeah. Yeah. Of course. Yeah. Nope. That's fine. Not too. Nope. I don't think I'll do well with self manage my own account. Oh. Yep. Yep. Yep. Yep. Yes. That's a very interesting question. I see it more about trust instead of any of those. So the liability is still the same. Like I when you say it, I already understand. Then I just had a laugh because I know even though if I choose the old way, I will just when whatever you say, I'll say, yeah. Yeah. Alright. Good. Because I don't know much as you can tell and as you can still see. Of course, I will understand there will be impacts if the things happen around the world and but because I don't follow any of those markets, I will not know who will be the best. So I definitely rely on you for sure. Yeah. Yep. Yep. So the portfolio, is that still the same portfolio If I go for SMA, or is that completely different portfolio? Sorry? Yes. Yep. Yep. No. I know the growth portfolio. Yeah. Yeah. Should I go a little bit more risky? Actually, I don't care. Maybe 70. I don't know. 60 pounds is how long I survive. I think I right right nowadays, I think I would need more. 2,000 at least. Yeah. The more the better, I think. But yeah. The risk sorry. Is that the risk that I would like to take for my super? Moderate. Maybe invest. Just a little bit. Not not crazy. Yeah. Sorry. What was the situation again? Oh, I guess just a little bit concerned. Hopefully, it'll come back. No. Another loan. No. I think I'm happy just one mortgage is enough. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Yep. Alright. Yeah. I'll do a thing next. Yes. Yes. Yep. Yep. Yes. Yeah. That would be great. Thank you. Yes. Okay. I guess. Yeah. So do I wait for you next time before I sign the document? Yeah. Yeah. Sorry? I'm a IT person. No problem. I just signed already. Oh, that's okay. Oh, good. You still received it. I hope so. Yep. Okay. When you oh, is that another area? I don't know what area that you actually refer to. Does that include help to find? Well, I don't know. Like, for example, like, if I really need to buy a car either for myself or for my son, Do I just find a company, get another loan? Mhmm. Okay. Yeah. Yep. Yes. They are. Yeah. So what about I got few different banks for different things, for different purpose for no reason. If I want to, someone could have a look. Yeah. Loans.com.au. Oh, I have Westpac. I have oh, Oh, I nearly forgot all my banks. I have MyState Bank, Moore's Bank, and Great South Bank. That sounds a good idea. Tomorrow maybe afternoon, maybe around one or after their lunchtime. I don't know what time their lunchtime is. Yep. Okay. Yep. Yep. Okay. Yep. No. I'm pretty good now. Thank you. Thanks, Veronica. Sure. That's great. No worries. Alright. No. Thank you for thank you for co okay. No worries. Yep. No worries. Thank you. Have a good afternoon. Thank you. Yeah. Bye. See you. 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Hello? Hello? I'm good. How are you?\n\nHaven't heard from you for a while. I know. Have you enjoying your new house? Yes. Oh, great.\n\nYes. Financial distress. I'm sure everyone is. Yeah. And also my house, like, getting old and things falling apart, and I need to fix them.\n\nYep. Yes. I'm not sure. My 16 year old cost me a lot of money. Yes.\n\nYeah. I hope so. Yep. Yep. Well, I know.\n\nBut, you know, teenagers, if you still remember. So he's learning, driving, and almost finished, and then he will try to get his p plate. And once get the p plate, and, of course, they will demand a car. And then once there's a car, there's more insurance and more obviously, single child, they don't care, and they they will just ask mom. Mom.\n\nMom. Mom. So I'm not sure about this this I don't know. How can I get the money thing? No.\n\nBecause I realized that I don't budget. Yeah. Yeah. Yep. Okay.\n\nYep. That's alright. Yep. I'm already thinking finding it. Should I find it?\n\nYeah. The advisor seems increased. Yep. Oh, okay. Yep.\n\nThat's fine. Yep. Tony Tanker, Inc. The second 01/19/7435 Collingwell Circuit, Pimpama 4209. Yep.\n\nYep. I don't think there is reason to call my son. He won't be knowing what he won't be able to know what to do. Can I put my friend, please? Nicholene, n I c o l e n e.\n\nOh, she's going to get married this Saturday. I'm not sure if she's going to change the last name, but I guess you can still use the his last name first as small, s m a l. 0404 344 289. Oh, they are your company clients anyway. Yeah.\n\nYeah. Yeah. I know. Yeah. Yeah.\n\nYes. Yes. Yeah. That's a small one. Yeah.\n\nYeah. I hope so. Yep. Yep. Yep.\n\nNope. Nope. I'm still in this. Mhmm. Yeah.\n\nNo. It's still the same. Sorry. What is what was that? Yep.\n\nDo my best. Yep. No idea. I think now it's around 200. No.\n\nI got a car crash in May last year. It's got written off. Yeah. My son was in the car luckily. He was alright.\n\nIt was hitting his thigh anyway. Yeah. So now my car is a secondhand Hyundai I no. Hyundai Accent Sport. Oh, it's only around I bought it a fine 14,000.\n\nSomething like that. No. It's insurance payout covered, the car. Yep. Yep.\n\nYep. Yep. I wish. Maybe in my dream. Yes.\n\nExactly. I'm waiting. Nope. Still no credit card. Yeah.\n\nThe solar hasn't installed yet, so the the payment hasn't started yet. Well, they set March 31 to install. Yes. We'll never pick up. Don't worry.\n\nNo. Not not going to drink. Not going to smoke. Yep. Oh, no.\n\nJust trying some collagen powder. They didn't really work. Yeah. Yep. Still with Bupa.\n\nStill the same. It might be a a while. Yep. Nothing really changed. So yeah.\n\nYep. Yep. Yep. No. No.\n\nI wish. Okay. Mainly, it's relate to my son because as I said, my need to get a very cheap car, so another finance, and see how he goes with his year 12 results, I guess. So I'm planning to put off any traveling for this year because of his his coming expenses. So, yeah, no traveling.\n\nYes. But the the work colleagues lately has been talking a lot about I should have find another way of have some income instead of just work. Yeah. So, yeah, someone some people suggested I should buy gold. And, also, some people said if I have super over 200 something, then maybe I can think of doing what's that called again?\n\nYeah. That's right. Yes. I definitely know. Yep.\n\nOf course. Yeah. Oh, I'm definitely not at the moment. How about investment in gold? Real gold?\n\nYeah. I know. I missed it. Yeah. So for current what happened at Middle East, the investment of my that's her super.\n\nIs that right? How how bad is the, like, should I like, I I don't recall what I chose, but or is there anything related to that that I should shovel around a bit, or do I need to do anything about it? What do you Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Oh, the the service guide version one. Yep.\n\nYep. Yeah. Yep. The financial services guide. Yep.\n\nYes. Yep. Yep. Yes. Yep.\n\nYep. Yep. Yep. That's right. I've been paying.\n\nYep. Yep. Correct. Yep. Yeah.\n\nYep. Okay. The next one is the twelve month $12.24 I r 0, whatever that is. Numbers. Yes.\n\nYep. Yeah. Okay. That makes sense. But I just questioned the Global X Physical Gold.\n\nThe buying period is zero. Everything stays the same. What what is the what is that one for? No. Yes.\n\nYes. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Oh, yeah.\n\nYeah. Of course. Yeah. Nope. That's fine.\n\nNot too. Nope. I don't think I'll do well with self manage my own account. Oh. Yep.\n\nYep. Yep. Yep. Yes. That's a very interesting question.\n\nI see it more about trust instead of any of those. So the liability is still the same. Like I when you say it, I already understand. Then I just had a laugh because I know even though if I choose the old way, I will just when whatever you say, I'll say, yeah. Yeah.\n\nAlright. Good. Because I don't know much as you can tell and as you can still see. Of course, I will understand there will be impacts if the things happen around the world and but because I don't follow any of those markets, I will not know who will be the best. So I definitely rely on you for sure.\n\nYeah. Yep. Yep. So the portfolio, is that still the same portfolio If I go for SMA, or is that completely different portfolio? Sorry?\n\nYes. Yep. Yep. No. I know the growth portfolio.\n\nYeah. Yeah. Should I go a little bit more risky? Actually, I don't care. Maybe 70.\n\nI don't know. 60 pounds is how long I survive. I think I right right nowadays, I think I would need more. 2,000 at least. Yeah.\n\nThe more the better, I think. But yeah. The risk sorry. Is that the risk that I would like to take for my super? Moderate.\n\nMaybe invest. Just a little bit. Not not crazy. Yeah. Sorry.\n\nWhat was the situation again? Oh, I guess just a little bit concerned. Hopefully, it'll come back. No. Another loan.\n\nNo. I think I'm happy just one mortgage is enough. Mhmm. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Alright.\n\nYeah. I'll do a thing next. Yes. Yes. Yep.\n\nYep. Yes. Yeah. That would be great. Thank you.\n\nYes. Okay. I guess. Yeah. So do I wait for you next time before I sign the document?\n\nYeah. Yeah. Sorry? I'm a IT person. No problem.\n\nI just signed already. Oh, that's okay. Oh, good. You still received it. I hope so.\n\nYep. Okay. When you oh, is that another area? I don't know what area that you actually refer to. Does that include help to find?\n\nWell, I don't know. Like, for example, like, if I really need to buy a car either for myself or for my son, Do I just find a company, get another loan? Mhmm. Okay. Yeah.\n\nYep. Yes. They are. Yeah. So what about I got few different banks for different things, for different purpose for no reason.\n\nIf I want to, someone could have a look. Yeah. Loans.com.au. Oh, I have Westpac. I have oh, Oh, I nearly forgot all my banks.\n\nI have MyState Bank, Moore's Bank, and Great South Bank. That sounds a good idea. Tomorrow maybe afternoon, maybe around one or after their lunchtime. I don't know what time their lunchtime is. Yep.\n\nOkay. Yep. Yep. Okay. Yep.\n\nNo. I'm pretty good now. Thank you. Thanks, Veronica. Sure.\n\nThat's great. No worries. Alright. No. Thank you for thank you for co okay.\n\nNo worries. Yep. No worries. Thank you. Have a good afternoon.\n\nThank you. Yeah. Bye. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.01793869026005268},{"text":"Hello?","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.02108888328075409},{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.04635109379887581},{"text":"I'm good.","start":7.7599998,"end":8.32,"sentiment":"positive","sentiment_score":0.5050752460956573},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.22349153459072113}],"sentiment":"neutral","sentiment_score":0.22075047041289508,"num_words":8,"start":1.1999999,"end":9.139999},{"sentences":[{"text":"Haven't heard from you for a while.","start":10.48,"end":12.34,"sentiment":"neutral","sentiment_score":-0.02747159038803407},{"text":"I know.","start":14.719999,"end":15.38,"sentiment":"neutral","sentiment_score":0.12183194234967232},{"text":"Have you enjoying your new 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enough.","start":3136.29,"end":3139.67,"sentiment":"neutral","sentiment_score":-0.04913104905022515},{"text":"Mhmm.","start":3197.01,"end":3197.51,"sentiment":"neutral","sentiment_score":0.05552656576037407},{"text":"Yep.","start":3258.5898,"end":3259.0898,"sentiment":"neutral","sentiment_score":0.29335013031959534},{"text":"Mhmm.","start":3284.9001,"end":3285.06,"sentiment":"neutral","sentiment_score":0.043771326541900635}],"sentiment":"neutral","sentiment_score":-0.013861617503257899,"num_words":13,"start":3135.97,"end":3285.06},{"sentences":[{"text":"Yep.","start":3285.06,"end":3285.56,"sentiment":"neutral","sentiment_score":0.07674728333950043},{"text":"Yep.","start":3294.915,"end":3295.415,"sentiment":"neutral","sentiment_score":0.07715445756912231},{"text":"Yep.","start":3295.4749,"end":3295.9749,"sentiment":"neutral","sentiment_score":0.10123252123594284},{"text":"Yep.","start":3307.85,"end":3308.35,"sentiment":"neutral","sentiment_score":0.19516250491142273},{"text":"Alright.","start":3336.2102,"end":3336.53,"sentiment":"neutral","sentiment_score":0.04991642385721207}],"sentiment":"neutral","sentiment_score":0.10004263818264007,"num_words":5,"start":3285.06,"end":3336.53},{"sentences":[{"text":"Yeah.","start":3336.53,"end":3336.77,"sentiment":"neutral","sentiment_score":0.07782381772994995},{"text":"I'll do a thing next.","start":3336.77,"end":3338.1501,"sentiment":"neutral","sentiment_score":0.13497063517570496},{"text":"Yes.","start":3340.05,"end":3340.55,"sentiment":"neutral","sentiment_score":0.14599138498306274},{"text":"Yes.","start":3357.5698,"end":3358.0698,"sentiment":"neutral","sentiment_score":0.0915839672088623},{"text":"Yep.","start":3359.0898,"end":3359.5898,"sentiment":"neutral","sentiment_score":0.2499695122241974}],"sentiment":"neutral","sentiment_score":0.13780242866939968,"num_words":9,"start":3336.53,"end":3359.5898},{"sentences":[{"text":"Yep.","start":3367.25,"end":3367.75,"sentiment":"neutral","sentiment_score":0.2833613157272339},{"text":"Yes.","start":3380.3552,"end":3380.8552,"sentiment":"neutral","sentiment_score":0.1653677523136139},{"text":"Yeah.","start":3402.495,"end":3402.895,"sentiment":"neutral","sentiment_score":0.12068907916545868},{"text":"That would be great.","start":3402.895,"end":3403.955,"sentiment":"neutral","sentiment_score":0.2802999019622803},{"text":"Thank you.","start":3404.175,"end":3404.915,"sentiment":"positive","sentiment_score":0.6376220881938934}],"sentiment":"neutral","sentiment_score":0.3295402146048016,"num_words":9,"start":3367.25,"end":3404.915},{"sentences":[{"text":"Yes.","start":3423.96,"end":3424.46,"sentiment":"neutral","sentiment_score":0.1123780757188797},{"text":"Okay.","start":3425.2551,"end":3425.7551,"sentiment":"neutral","sentiment_score":0.11685934662818909},{"text":"I guess.","start":3444.75,"end":3445.4102,"sentiment":"neutral","sentiment_score":0.15303976461291313},{"text":"Yeah.","start":3459.7249,"end":3460.2249,"sentiment":"neutral","sentiment_score":0.08765694499015808},{"text":"So do I wait for you next time before I sign the document?","start":3460.285,"end":3464.385,"sentiment":"neutral","sentiment_score":0.03316731235155693}],"sentiment":"neutral","sentiment_score":0.05856383095184962,"num_words":18,"start":3423.96,"end":3464.385},{"sentences":[{"text":"Yeah.","start":3499.0798,"end":3499.5798,"sentiment":"neutral","sentiment_score":0.13525891304016113},{"text":"Yeah.","start":3500.5999,"end":3501.0999,"sentiment":"neutral","sentiment_score":0.12005821615457536},{"text":"Sorry?","start":3519.635,"end":3520.135,"sentiment":"neutral","sentiment_score":-0.03534989431500435},{"text":"I'm a IT person.","start":3528.22,"end":3529.5198,"sentiment":"neutral","sentiment_score":-0.0746931117027998},{"text":"No problem.","start":3531.5,"end":3532.0598,"sentiment":"neutral","sentiment_score":0.12682054191827774}],"sentiment":"neutral","sentiment_score":0.01942620798945427,"num_words":9,"start":3499.0798,"end":3532.0598},{"sentences":[{"text":"I just signed already.","start":3532.0598,"end":3533.1199,"sentiment":"neutral","sentiment_score":0.13479159772396088},{"text":"Oh, that's okay.","start":3534.555,"end":3545.775,"sentiment":"neutral","sentiment_score":0.04744259268045426},{"text":"Oh, good.","start":3546.875,"end":3547.59,"sentiment":"neutral","sentiment_score":0.14157722145318985},{"text":"You still received it.","start":3547.99,"end":3549.11,"sentiment":"neutral","sentiment_score":0.09838720038533211},{"text":"I hope so.","start":3549.11,"end":3550.01,"sentiment":"neutral","sentiment_score":0.11553273598353068}],"sentiment":"neutral","sentiment_score":0.10654972633346915,"num_words":16,"start":3532.0598,"end":3550.01},{"sentences":[{"text":"Yep.","start":3553.83,"end":3554.33,"sentiment":"neutral","sentiment_score":0.29458320140838623},{"text":"Okay.","start":3573.2952,"end":3573.7952,"sentiment":"neutral","sentiment_score":0.014737874269485474},{"text":"When you oh, is that another area?","start":3578.32,"end":3580.64,"sentiment":"neutral","sentiment_score":0.025989268773368428},{"text":"I don't know what area that you actually refer to.","start":3580.64,"end":3585.94,"sentiment":"neutral","sentiment_score":-0.10373309664428235},{"text":"Does that include help to find?","start":3645.43,"end":3647.29,"sentiment":"neutral","sentiment_score":0.09887361153960228}],"sentiment":"neutral","sentiment_score":0.0018862663954496385,"num_words":25,"start":3553.83,"end":3647.29},{"sentences":[{"text":"Well, I don't know.","start":3652.095,"end":3652.995,"sentiment":"neutral","sentiment_score":-0.09855141118168831},{"text":"Like, for example, like, if I really need to buy a car either for myself or for my son, Do I just find a company, get another loan?","start":3656.655,"end":3670.7698,"sentiment":"neutral","sentiment_score":-0.07512746591653142},{"text":"Mhmm.","start":3683.595,"end":3684.095,"sentiment":"neutral","sentiment_score":-0.02640572004020214},{"text":"Okay.","start":3684.155,"end":3684.655,"sentiment":"neutral","sentiment_score":0.04563785344362259},{"text":"Yeah.","start":3744.905,"end":3745.405,"sentiment":"neutral","sentiment_score":-0.09001229703426361}],"sentiment":"neutral","sentiment_score":-0.07338728154344218,"num_words":35,"start":3652.095,"end":3745.405},{"sentences":[{"text":"Yep.","start":3746.265,"end":3746.765,"sentiment":"neutral","sentiment_score":-0.1783730685710907},{"text":"Yes.","start":3767.055,"end":3767.535,"sentiment":"neutral","sentiment_score":0.04470219835639},{"text":"They are.","start":3767.535,"end":3768.355,"sentiment":"neutral","sentiment_score":0.057758599519729614},{"text":"Yeah.","start":3814.615,"end":3815.115,"sentiment":"neutral","sentiment_score":0.009645998477935793},{"text":"So what about I got few different banks for different things, for different purpose for no reason.","start":3836.31,"end":3847.175,"sentiment":"neutral","sentiment_score":0.007012209909803727}],"sentiment":"neutral","sentiment_score":0.005031813444061713,"num_words":22,"start":3746.265,"end":3847.175},{"sentences":[{"text":"If I want to, someone could have a look.","start":3847.7952,"end":3850.375,"sentiment":"neutral","sentiment_score":0.06493696694572766},{"text":"Yeah.","start":3882.245,"end":3882.745,"sentiment":"neutral","sentiment_score":0.017215633764863014},{"text":"Loans.com.au.","start":3886.6301,"end":3888.25,"sentiment":"neutral","sentiment_score":0.015857186168432236},{"text":"Oh, I have Westpac.","start":3891.99,"end":3893.705,"sentiment":"neutral","sentiment_score":0.014372861478477716},{"text":"I have oh, Oh, I nearly forgot all my banks.","start":3893.705,"end":3903.2048,"sentiment":"neutral","sentiment_score":0.001000381726771593}],"sentiment":"neutral","sentiment_score":0.02740003142505884,"num_words":25,"start":3847.7952,"end":3903.2048},{"sentences":[{"text":"I have MyState Bank, Moore's Bank, and Great South Bank.","start":3905.345,"end":3913.125,"sentiment":"neutral","sentiment_score":0.1303127732127905},{"text":"That sounds a good idea.","start":3967.175,"end":3968.7148,"sentiment":"positive","sentiment_score":0.5386967658996582},{"text":"Tomorrow maybe afternoon, maybe around one or after their lunchtime.","start":3993.6948,"end":4003.4001,"sentiment":"neutral","sentiment_score":0.03151148627512157},{"text":"I don't know what time their lunchtime is.","start":4003.46,"end":4005.48,"sentiment":"neutral","sentiment_score":-0.010293060215190053},{"text":"Yep.","start":4015.515,"end":4016.015,"sentiment":"neutral","sentiment_score":0.29961544275283813}],"sentiment":"neutral","sentiment_score":0.13320580545319793,"num_words":34,"start":3905.345,"end":4016.015},{"sentences":[{"text":"Okay.","start":4034.81,"end":4035.31,"sentiment":"neutral","sentiment_score":0.12478117644786836},{"text":"Yep.","start":4036.9702,"end":4037.4702,"sentiment":"neutral","sentiment_score":0.2920885682106018},{"text":"Yep.","start":4052.825,"end":4053.27,"sentiment":"neutral","sentiment_score":0.17512184381484985},{"text":"Okay.","start":4053.51,"end":4054.01,"sentiment":"neutral","sentiment_score":0.21302691102027893},{"text":"Yep.","start":4062.71,"end":4063.21,"sentiment":"neutral","sentiment_score":0.17095401883125305}],"sentiment":"neutral","sentiment_score":0.1951945036649704,"num_words":5,"start":4034.81,"end":4063.21},{"sentences":[{"text":"No.","start":4082.51,"end":4082.67,"sentiment":"neutral","sentiment_score":0.13397978246212006},{"text":"I'm pretty good now.","start":4082.67,"end":4083.79,"sentiment":"positive","sentiment_score":0.33817334473133087},{"text":"Thank you.","start":4083.79,"end":4084.27,"sentiment":"positive","sentiment_score":0.48189017176628113},{"text":"Thanks, Veronica.","start":4084.27,"end":4085.25,"sentiment":"neutral","sentiment_score":0.25280778110027313},{"text":"Sure.","start":4098.9546,"end":4099.4546,"sentiment":"neutral","sentiment_score":0.139258474111557}],"sentiment":"neutral","sentiment_score":0.3095327541232109,"num_words":10,"start":4082.51,"end":4099.4546},{"sentences":[{"text":"That's great.","start":4099.5146,"end":4100.335,"sentiment":"neutral","sentiment_score":0.23779131472110748},{"text":"No worries.","start":4100.4746,"end":4101.295,"sentiment":"neutral","sentiment_score":0.11883962154388428},{"text":"Alright.","start":4101.5947,"end":4102.0947,"sentiment":"neutral","sentiment_score":0.13011036813259125},{"text":"No.","start":4103.835,"end":4104.0747,"sentiment":"neutral","sentiment_score":0.17142900824546814},{"text":"Thank you for thank you for co okay.","start":4104.0747,"end":4108.0146,"sentiment":"positive","sentiment_score":0.485089261084795}],"sentiment":"positive","sentiment_score":0.3496796669704573,"num_words":14,"start":4099.5146,"end":4108.0146},{"sentences":[{"text":"No worries.","start":4108.5547,"end":4109.295,"sentiment":"neutral","sentiment_score":0.26294612139463425},{"text":"Yep.","start":4113.86,"end":4114.26,"sentiment":"neutral","sentiment_score":0.2282389998435974},{"text":"No worries.","start":4114.26,"end":4114.92,"sentiment":"neutral","sentiment_score":0.17998994886875153},{"text":"Thank you.","start":4115.14,"end":4115.96,"sentiment":"neutral","sentiment_score":0.3187892884016037},{"text":"Have a good afternoon.","start":4116.02,"end":4117.16,"sentiment":"positive","sentiment_score":0.47774579375982285}],"sentiment":"neutral","sentiment_score":0.3329702629284425,"num_words":11,"start":4108.5547,"end":4117.16},{"sentences":[{"text":"Thank you.","start":4117.7,"end":4118.52,"sentiment":"positive","sentiment_score":0.4086841195821762},{"text":"Yeah.","start":4119.06,"end":4119.54,"sentiment":"neutral","sentiment_score":0.1530402898788452},{"text":"Bye.","start":4119.54,"end":4120.04,"sentiment":"neutral","sentiment_score":0.13794605433940887},{"text":"See you.","start":4120.42,"end":4120.98,"sentiment":"neutral","sentiment_score":0.14067504554986954},{"text":"Bye.","start":4120.98,"end":4121.48,"sentiment":"neutral","sentiment_score":0.0783165693283081}],"sentiment":"neutral","sentiment_score":0.2097173205443791,"num_words":7,"start":4117.7,"end":4121.48}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello? Hello?\n\nChannel 0: Good afternoon, Connie. It's Veronica from Financial. How are\n\nChannel 1: I'm good. How are\n\nChannel 0: you?\n\nChannel 1: you?\n\nChannel 0: Good.\n\nChannel 1: Haven't heard\n\nChannel 0: How are you?\n\nChannel 1: from you for a while.\n\nChannel 0: I know. It's been some time. You've\n\nChannel 1: I\n\nChannel 0: been okay?\n\nChannel 1: know. Have you enjoying your new house?\n\nChannel 0: Yes. Very much sorry, which is good. Comes with a lot more bills.\n\nChannel 1: Yes.\n\nChannel 0: But it's no. It's been really good. It's nice to\n\nChannel 1: Oh,\n\nChannel 0: have your\n\nChannel 1: great.\n\nChannel 0: your own place, which is nice.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And how have you been?\n\nChannel 1: Financial distress.\n\nChannel 0: Yeah.\n\nChannel 1: I'm sure everyone\n\nChannel 0: I mean\n\nChannel 1: is.\n\nChannel 0: yeah. Just because, obviously, like, inflation and prices and or is there anything specific that's happened?\n\nChannel 1: Yeah. And also my house, like, getting old and things falling apart, and I need to fix them.\n\nChannel 0: Do some renovation.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And you install some solar panels as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Hopefully, did they say, like, the turnaround time for when they think they'll start, like, saving and stuff like that as well?\n\nChannel 1: I'm not sure. My 16\n\nChannel 0: No?\n\nChannel 1: year old cost me a lot of money.\n\nChannel 0: Yes. At least solar will be good in hopefully\n\nChannel 1: Yes.\n\nChannel 0: saving a bit on the electricity.\n\nChannel 1: Yeah. I hope\n\nChannel 0: Yeah.\n\nChannel 1: so.\n\nChannel 0: Yeah. We have solar in our house as well. And with the the bills, especially during the day, like, in summer and stuff, if it gets really hot, it barely costs anything. And I and I try to be mindful of, you know, doing washing and dishwasher and everything like that during the day, even on, like, the weekend and stuff to try to bring down the cost as well,\n\nChannel 1: Yep.\n\nChannel 0: which is which is helping. So, hopefully, that\n\nChannel 1: Yep.\n\nChannel 0: will start make making a bit of a difference for you as well.\n\nChannel 1: Well, I know. But, you know, teenagers, if you\n\nChannel 0: Yes.\n\nChannel 1: still remember.\n\nChannel 0: Yes.\n\nChannel 1: So he's learning, driving, and almost finished, and then he will try to get his p plate. And once get the p plate, and, of course, they will demand a car. And then once there's a car, there's more insurance and more\n\nChannel 0: Yep. And being young, it can be a bit more expensive too as a young male, potentially.\n\nChannel 1: obviously, single child, they\n\nChannel 0: Yeah.\n\nChannel 1: don't care, and they they will just ask mom. Mom. Mom.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Mom. So\n\nChannel 0: Very\n\nChannel 1: I'm\n\nChannel 0: much\n\nChannel 1: not\n\nChannel 0: so.\n\nChannel 1: sure about this this I don't know.\n\nChannel 0: Oh, yeah.\n\nChannel 1: How\n\nChannel 0: See\n\nChannel 1: can I\n\nChannel 0: see\n\nChannel 1: get\n\nChannel 0: how\n\nChannel 1: the money\n\nChannel 0: it goes.\n\nChannel 1: thing?\n\nChannel 0: Yeah. Now, Connie, did I ever send you a a bit of a cash flow and budget last time, or do you think that will be something that would be helpful for you?\n\nChannel 1: No. Because I realized that I don't budget.\n\nChannel 0: Yep. Okay. That is probably most people to be fair are the same. So what I will do and, again, there's no pressure. You can take your time.\n\nI do think it's usually a good way. I think it's good for anyone through kind of and, often, once you start getting a bit of a, you know, tracking on spending and where things go, it's then easier to be like, okay. Well, maybe I can cancel this subscription, or I might not need this, or maybe I can reduce a little bit here and there depending on, you know, obviously, bills and expenses like that.\n\nChannel 1: Yeah.\n\nChannel 0: So what I will do is I will just send you by email. It is an Excel workbook. It is just like a a template just a general template for cash flow and budgeting, and it is a good starting point. And it is pretty self explanatory as well. You can put in as much or as little, obviously, depending on the household.\n\nAnd it is a good way to get started on kind of tracking everything. And then we can always work together that if it is that you completed and you don't really know what to do or if there's area where you struggle, you can always just let me know. We can always book in a catch up and go through it to be like, okay. Is there any areas we can, you know, change things a little bit if it is making it hard cash flow wise with expenses? If you are on top of everything, I still think it's a really good good thing for everyone to do at some point because it gives you more awareness of things.\n\nChannel 1: Yeah.\n\nChannel 0: And I, like, I think it helps me as well. I budget quite a bit, and I think it's really helpful, but I recommend it to all my friends as well. It is a good just, like, awareness. So even if it's like you're in a really good position, it's still good to be like, okay. Well, maybe I'm spending a little bit more in this area or, you know, maybe I have a little bit of extra.\n\nOkay. What do I wanna do with that money? So it is a good thing to do, but there's no obviously time. So I will email that to you. And then whenever you have a moment, if it is something that you want to do, then have a have a go at completing it through best of your ability.\n\nAnd then you can always email it back to me, and we can always book in another catch up to run through it if you would like.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So but, again, obviously, no pressure on time. It's just when I know life gets in the way all the time. So just whenever you want to, if it is something that would be helpful.\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: alright. Yep.\n\nChannel 0: Mhmm. Now, Connie, what I have done, because this is your first annual review as well, is that I have just sent you an email with some documents to run through today if you have the option of accessing your email. Is that something you have access to or not really?\n\nChannel 1: I'm already thinking finding it. Should I find it?\n\nChannel 0: Just later. I just wanna run through it with you first just to make sure sure you're happy with everything and you don't have any questions. Then I'll ask you to do it, but I'll just run through it with you first just to make sure, you know, you are happy with everything before I do get you to\n\nChannel 1: Yeah. The\n\nChannel 0: sign\n\nChannel 1: advisor\n\nChannel 0: it. Mhmm.\n\nChannel 1: seems increased.\n\nChannel 0: Percentage stays exactly the same. There is no change because it's a percentage of your balance. As you'll see if the balance goes up, it will naturally go up, but the percentage, so that 1.65, that stays exactly the same. There's no increases or anything like that to it.\n\nChannel 1: Yep. Oh,\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: Now before I do jump into those documents, I will run through a bit of an updated fact find with you, Connie, just to see if there's anything major that's changed in your life that will require us to update and make potential changes to the advice. So just bear with me as I go through these questions. And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Perfect. And even though I can hear that it is you, just for security purposes as well.\n\nChannel 1: Yep. Tony Tanker, Inc. The second\n\nChannel 0: Yes.\n\nChannel 1: 01/19/7435\n\nChannel 0: Yep.\n\nChannel 1: Collingwell Circuit, Pimpama 4209.\n\nChannel 0: Perfect. You know the drill. That's good.\n\nChannel 1: Yep.\n\nChannel 0: Now has anything changed in your personal life? I have you down here marital status. Obviously, single with one financial dependent.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I did realize here that, excuse me, we don't actually have a next of kin on file for you. So that can be anybody, and it's just in the event that we can't contact you who is someone that we could call, and it's only if we can't get in touch with\n\nChannel 1: I don't think there is reason to call my son.\n\nChannel 0: you. Okay. Yep.\n\nChannel 1: He won't\n\nChannel 0: It\n\nChannel 1: be\n\nChannel 0: can\n\nChannel 1: knowing\n\nChannel 0: be\n\nChannel 1: what he won't be able to know what to do.\n\nChannel 0: okay. That it can it can be anyone. It can be family. It can be a good friend, sibling. It can be anybody, because this is just\n\nChannel 1: Can I\n\nChannel 0: a\n\nChannel 1: put\n\nChannel 0: a\n\nChannel 1: my friend, please?\n\nChannel 0: yes. Of course. You can. What are what are their name?\n\nChannel 1: Nicholene, n I c o\n\nChannel 0: Yep.\n\nChannel 1: l e n e.\n\nChannel 0: Yep. And last name?\n\nChannel 1: Oh,\n\nChannel 0: Do you know?\n\nChannel 1: she's going to get married this Saturday.\n\nChannel 0: Oh.\n\nChannel 1: I'm not sure if she's going to change the last name, but I guess you can still use the his last name first as small, s\n\nChannel 0: Yep. Yes.\n\nChannel 1: m a l.\n\nChannel 0: Perfect. And phone number?\n\nChannel 1: 0404\n\nChannel 0: O four zero four. Yep.\n\nChannel 1: 344\n\nChannel 0: Three four four. Yep.\n\nChannel 1: 289.\n\nChannel 0: 289. Perfect. And\n\nChannel 1: Oh,\n\nChannel 0: that's\n\nChannel 1: they are\n\nChannel 0: exciting.\n\nChannel 1: your company clients anyway.\n\nChannel 0: Yes. I do I'd I I thought sorry. But just for security, I just wanted to make sure\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: same\n\nChannel 1: know.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: same number.\n\nChannel 1: Yeah.\n\nChannel 0: But that's very exciting with the wedding. Is that is it local?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, well,\n\nChannel 1: That's\n\nChannel 0: hopefully,\n\nChannel 1: a small\n\nChannel 0: the weather\n\nChannel 1: one.\n\nChannel 0: yeah. Well, hopefully, the weather will turn out nice because we're rain raining a lot here\n\nChannel 1: Yeah. Yeah. I hope so.\n\nChannel 0: lately. So so I'll just note just let her down just as a next step. Kin, and, again, it's only in the event that we can't get in touch with you. She doesn't have to do anything.\n\nChannel 1: Yep.\n\nChannel 0: It's just just, yeah, for some reason if we can't.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now has anything changed with your occupation? Are you still working\n\nChannel 1: Nope.\n\nChannel 0: at the hospital as a nurse?\n\nChannel 1: Nope.\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Perfect.\n\nChannel 1: still in this.\n\nChannel 0: Perfect. Now with your income, I know, obviously, it fluctuates roughly fluctuates.\n\nChannel 1: Mhmm.\n\nChannel 0: But I had down around the 80,000, and then last financial year, it was around 110. Do you know roughly if that's the same or has it changed?\n\nChannel 1: Yeah. No. It's still the same.\n\nChannel 0: Still the same. Okay. Perfect. When it comes to savings, I think I have here about 225 a week. Does that sound about right?\n\nChannel 1: Sorry. What is what was that?\n\nChannel 0: Went like a a weekly savings. So how much money you put aside after bills and\n\nChannel 1: Yep. Do my best. Yep.\n\nChannel 0: expenses? Yeah. Perfect. Now still same arrangement, obviously, with your contributions. I had a look at your salary sacrifice as well.\n\nIt's gone up about $4 a fortnight, so that's good. So I'll update that. With your assets, so I have here your property was last valued at about 650,000. Do you know if that's gone up a little bit or if it's changed?\n\nChannel 1: No idea.\n\nChannel 0: No. That's okay. Mortgage, you have about 217. Does that sound about right?\n\nChannel 1: I think now it's around 200.\n\nChannel 0: Oh, that's perfect. That's good. I'll update that. You also have the the motor vehicle, the Honda at about 12,000.\n\nChannel 1: No. I got a car crash in May\n\nChannel 0: Oh,\n\nChannel 1: last\n\nChannel 0: no.\n\nChannel 1: year. It's\n\nChannel 0: Goodness.\n\nChannel 1: got written\n\nChannel 0: You're\n\nChannel 1: off.\n\nChannel 0: you okay?\n\nChannel 1: Yeah. My\n\nChannel 0: Yeah.\n\nChannel 1: son was in the car luckily. He was alright.\n\nChannel 0: Yeah. Okay. Well, that's\n\nChannel 1: It\n\nChannel 0: good.\n\nChannel 1: was\n\nChannel 0: I'm\n\nChannel 1: hitting\n\nChannel 0: glad.\n\nChannel 1: his thigh anyway.\n\nChannel 0: Oh, jeez. Well, I'm glad you guys are okay.\n\nChannel 1: Yeah. So\n\nChannel 0: Did\n\nChannel 1: now\n\nChannel 0: you\n\nChannel 1: my\n\nChannel 0: get\n\nChannel 1: car is a secondhand Hyundai I no. Hyundai Accent Sport.\n\nChannel 0: perfect. And do you know how much it would be worth or how much\n\nChannel 1: Oh, it's only around I bought it a fine\n\nChannel 0: you bought\n\nChannel 1: 14,000.\n\nChannel 0: it for? Okay. Perfect.\n\nChannel 1: Something like that.\n\nChannel 0: Yeah. No. That's perfect. And you don't have any, like, payment plan or anything on the car?\n\nChannel 1: No. It's insurance\n\nChannel 0: No.\n\nChannel 1: payout covered, the car.\n\nChannel 0: Perfect. Oh, that's good. I also have here that you have an offset account\n\nChannel 1: Yep.\n\nChannel 0: of around 56,000.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then 10,000 in an emergency savings account as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Now do have any other new assets, like, the last twelve months? Any motorbikes or boats or anything else?\n\nChannel 1: I wish. Maybe in\n\nChannel 0: Yeah.\n\nChannel 1: my dream.\n\nChannel 0: Maybe if you win the lottery.\n\nChannel 1: Yes. Exactly. I'm waiting.\n\nChannel 0: Yeah. And aside from, obviously, the solar, do you have any other, like, personal loans or credit cards or anything like that?\n\nChannel 1: Nope. Still no credit\n\nChannel 0: No. Great.\n\nChannel 1: card. Yeah. The solar hasn't installed yet, so the the payment hasn't started yet.\n\nChannel 0: Okay. Perfect. Do you know when it's kind of due to\n\nChannel 1: Well, they set March 31 to install.\n\nChannel 0: start? Okay. Yep. And then probably shortly after that. Now health and lifestyle wise, still a nonsmoker?\n\nChannel 1: Yes. We'll never\n\nChannel 0: Yes.\n\nChannel 1: pick up. Don't worry.\n\nChannel 0: Oh, I'm the same.\n\nChannel 1: No. Not not going to drink. Not going to smoke.\n\nChannel 0: Yep. No. I'm the same.\n\nChannel 1: Yep.\n\nChannel 0: Any other changes to your health otherwise? Any new medications or any any other issues or anything?\n\nChannel 1: Oh, no. Just trying\n\nChannel 0: No?\n\nChannel 1: some collagen powder. They didn't really work.\n\nChannel 0: Oh, beautiful. That's good. Just for general kind of health and\n\nChannel 1: Yeah.\n\nChannel 0: well-being. Yeah. Oh, that's nice. And, Conner, do you have private health insurance?\n\nChannel 1: Yep. Still with Bupa.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Still the same.\n\nChannel 0: Yep. Great. Now when it comes to estate planning, I have here that you you have a will in place. And last time we spoke, you kind of had it recently updated. Does that\n\nChannel 1: It\n\nChannel 0: ring\n\nChannel 1: might\n\nChannel 0: a bell?\n\nChannel 1: be a a while.\n\nChannel 0: Might be a while.\n\nChannel 1: Yep.\n\nChannel 0: Do you think it needs updating, or has nothing really major changed?\n\nChannel 1: Nothing really changed.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: Okay. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: Now when it comes to your superannuation and your insurances, I do have here that you have Hayden nominated\n\nChannel 1: Yep.\n\nChannel 0: at a 100%. That's\n\nChannel 1: Yep.\n\nChannel 0: correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And are you involved in politics as well? Are you politically exposed by any chance?\n\nChannel 1: No.\n\nChannel 0: No? Perfect.\n\nChannel 1: No.\n\nChannel 0: And do you earn any income overseas at all?\n\nChannel 1: I wish.\n\nChannel 0: No. Nope. Perfect. Now that was basically all of those personal details I needed to go through.\n\nChannel 1: Okay.\n\nChannel 0: And, otherwise, what we do kind of focus on and set for the next twelve months is just some goals that you are working to with, and then we can kind of help together working on them. And then next under review is a good kind of checking point to see, well, how did you went with those goals the last twelve months, or if anything has changed. So for the next twelve months, is there any goals that you are working towards? Now it doesn't have to be just financial. It can be personal goals or wanting to do some travel.\n\nIs there anything that you have that you would like to focus on in the next twelve months?\n\nChannel 1: Mainly, it's relate to my son because as I said, my need to get a very cheap\n\nChannel 0: Yeah.\n\nChannel 1: car, so another\n\nChannel 0: Yep.\n\nChannel 1: finance,\n\nChannel 0: Yep. Yep.\n\nChannel 1: and see how he goes with his year 12 results, I guess.\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: So I'm planning to put off any traveling for this year because of his his coming\n\nChannel 0: Yes.\n\nChannel 1: expenses. So,\n\nChannel 0: Yep. Yep.\n\nChannel 1: yeah, no\n\nChannel 0: Just\n\nChannel 1: traveling.\n\nChannel 0: No. That's okay. And aside from from that, are you still kind of just focusing on gradually paying down the mortgage otherwise? Is that still kind of a\n\nChannel 1: Yes. But the\n\nChannel 0: goal? Yep.\n\nChannel 1: the work colleagues lately has been talking a lot about\n\nChannel 0: Mhmm.\n\nChannel 1: I should have find another way of have some income instead of just work.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Just kind\n\nChannel 1: So,\n\nChannel 0: of a secondary. Mhmm.\n\nChannel 1: yeah, someone some people suggested I should buy gold.\n\nChannel 0: Mhmm.\n\nChannel 1: And, also, some people said if I have super over 200 something, then maybe I can think of doing what's that called again?\n\nChannel 0: At Self Note Superfund?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yes. And with the self managed super fund, there is a lot of there is a lot of talks around it. And for some clients, it can be great. It's not for everyone. And\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: definitely\n\nChannel 0: seen,\n\nChannel 1: know.\n\nChannel 0: yeah, and I have seen more self managed super funds being closed down than. And a lot of it is because it's very complex to run. There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like. But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant. You will have to have, like, an accountant to do all the auditing and and stuff like that.\n\nSo it is quite complex, and it's a lot more costly than your traditional superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Most people go down the self managed super fund because you want to buy an investment property, or they have, like, a couple who joins their superannuation, and they have quite a lot of money in there that they want to buy a property and also have an investment portfolio and stuff like that, which it can be really great for. Often, when I look at it, a lot of the cost and fees are very high. And then you also have to worry about, okay. Well, if I put it in a property, is everything into that property? So if I need to draw some money out, everything's locked into the property, it will make it a bit difficult, and, you know, everything is into one asset.\n\nSo if something were to happen to one particular asset, it's obviously a lot higher risk of something fluctuating than the way that things are structured at the moment where you have, you know, money in a lot of different different things. So if something happens to one thing, you have other things to kind of balance it out.\n\nChannel 1: Of course. Yeah.\n\nChannel 0: And with ASIC as well, so they say that to even make it kind of worthwhile just from a fee point of view, and it's not necessarily a property, just from a fee point of view in regards to a self managed super fund. They don't suggest anyone under 250,000 for self managed super fund, and some industry experts even says closer to 500 from a fee point of view. So if if the goal is adjust my property, that is an avenue to explore. If the goal is to grow it as much as you can, have as much money as you can, and then draw an income from your superannuation between obviously now and when you want to retire, it's not always the best avenue. So it kind of depends on everyone's situation, but I'll make a little note that, you know, it's something that maybe you want to explore through time.\n\nBut I think right now from where the super balance is, I think the fees would be too much to warrant to warrant to warrant it. But if it is something that you are, like, very adamant about or you call me like, no. I do really want it, then we do have the capacity to do the research and stuff like that. But it is a\n\nChannel 1: Oh,\n\nChannel 0: lot more\n\nChannel 1: I'm definitely not\n\nChannel 0: costly.\n\nChannel 1: at the moment.\n\nChannel 0: Okay. Good. If it is that you change your mind, though, you know, just let me know, and we can know it's explored. But I think from, obviously, your goals and where things are at, I don't think it's the right avenue right now.\n\nChannel 1: How about investment in gold? Real gold?\n\nChannel 0: So yes and no. It is it is a good investment because it's more of your defensive investment. But at the same time, the prices are so high at the moment that\n\nChannel 1: Yeah.\n\nChannel 0: if you are buying it now, you've kind of also lost a little bit of that growth because it's it's very, very high at the moment, which is great if you bought in early. So in your superannuation,\n\nChannel 1: I know.\n\nChannel 0: we we\n\nChannel 1: I missed\n\nChannel 0: have\n\nChannel 1: it.\n\nChannel 0: gold we have gold in your superannuation as part of your portfolio, which is great. So you already have a bit of gold included in that. If you are buying a lot of it now, it's you know, the prices are quite high. Mhmm. And then, also, you'd wanna make sure you're not true what what the goals are, or you don't wanna be too concentrated into the one area,\n\nChannel 1: Yeah.\n\nChannel 0: and if if it's a matter of drawing income and stuff like that. So we do have some clients who just wants to go invest a little bit themselves, which is obviously perfectly fine. If it is specific, you know, research reports and stuff like that, we have access to all of it. I'm more than happy to send you everything. But, ultimately, it's also thinking of it from from a whole holistic point of view that, you know, if how much do you wanna invest?\n\nWhere do you want that money to come from? If you want it from emergency saving account, for example, then that will if something were to happen, you don't have that, and then you're locked into gold. And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that. So it it's not like, gold as as itself is a very good defensive investment and is a good base to have to it portfolio, but it also has a place. And like I said, right now, it is quite high.\n\nSo then the thought is also, okay. Well, do you want to buy it now when the prices have increased so much already, or is it you know?\n\nChannel 1: So for current what happened at Middle East, the investment of\n\nChannel 0: But\n\nChannel 1: my that's her super. Is that right?\n\nChannel 0: yes. Yes. Yes. Yes. Correct.\n\nYes.\n\nChannel 1: How\n\nChannel 0: Yep.\n\nChannel 1: how bad is the, like, should I like, I I don't recall what I chose, but or is there anything related to that that I should shovel around a bit, or do I need to do anything about it? What do you\n\nChannel 0: Yeah. Which is a perfect which is a perfect question, and it's very valid. And I do wanna potentially I would like to do a bit more research and and see if we wanna swap some things out. But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio. It shows you what's happened in last twelve months and fees and the different investments.\n\nSo do you have access to that email? Now before\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you before you click on the link where it says to sign, it should show you a couple of different attachments\n\nChannel 1: Yep.\n\nChannel 0: first.\n\nChannel 1: Yep.\n\nChannel 0: Can you\n\nChannel 1: Yep.\n\nChannel 0: see those? Yeah. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now to make it easier for you, you can tell me which order you have the document so we can go through it that way. So what do you have first? What\n\nChannel 1: Oh,\n\nChannel 0: can\n\nChannel 1: the\n\nChannel 0: you see?\n\nChannel 1: the service guide version one.\n\nChannel 0: Yes. So I won't get you to open that one and the financial services guide because it's one of those do you remember that, guide when you came in for your initial consultation that we went through that had our photos and you had the oak tree and, you know, the service, the one that you took home, with\n\nChannel 1: Yep.\n\nChannel 0: you. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So it's just an updated version of that one for you. So we've had a bit of an extension to the team, which is nice. But when you have a moment, have a look through them. We've had a bit of an we've introduced kind of marketing material as well. So you'll see it has a little bit of a revamp to it, which is nice, and you will see a a bigger extension to our team.\n\nOtherwise, it is quite similar to the the old one. It's just an updated version.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So all that information is there if you do wanna have a read over it. But it's quite long, so I won't go through all of that with you again. Now what's the next one there for\n\nChannel 1: The financial services\n\nChannel 0: you?\n\nChannel 1: guide.\n\nChannel 0: Okay. Yep. That one is very similar to that one again. We just have two two copies. One's a smaller version, so I'll get you to skip that one as well for me.\n\nAnd then which one do you have?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Yep. If you can o yep. If you can open that one for me. And let me know.\n\nYep. So this one here, it breaks down your insurance in in quite a lot of detail, but it basically gives you a breakdown of your insurance policy. So it shows you your your life insurance, your total permanent disability, the income protection, the trauma. It shows you everything, and also that everything is paid up to date.\n\nChannel 1: Yes.\n\nChannel 0: So with your Neos insurances, you do have let me just see here if I get it loaded. For your life and total permanent disability,\n\nChannel 1: Yep.\n\nChannel 0: you have that 250,000 lump sum\n\nChannel 1: Yep.\n\nChannel 0: for your income protection. You do have a monthly payment of $4,666,\n\nChannel 1: Yes.\n\nChannel 0: a thirty day waiting period, two year benefit period. Now those three are paid from within superannuation. You do get that 15% tax rebate. So the total premium for those three are 2,881. You then have the yes?\n\nYou\n\nChannel 1: Yep.\n\nChannel 0: following\n\nChannel 1: Yep.\n\nChannel 0: so far? Yep.\n\nChannel 1: Yep.\n\nChannel 0: You then also have your trauma cover.\n\nChannel 1: Yep. That's right.\n\nChannel 0: So\n\nChannel 1: I've\n\nChannel 0: yep.\n\nChannel 1: been paying. Yep.\n\nChannel 0: Yes. So you have that 50,000 as well if something were to happen.\n\nChannel 1: Yep. Correct.\n\nChannel 0: And this one here basically shows you that everything is paid up to date, and that's all in force. And if anything ever were to happen that you needed to claim on anything, just call\n\nChannel 1: Yep.\n\nChannel 0: me, and then\n\nChannel 1: Yeah.\n\nChannel 0: we will help you through. Hopefully, you'd never have to. It's just a it's a safety guide. But if anything ever were to happen, just just call me, and I'll help you through\n\nChannel 1: Yep. Okay.\n\nChannel 0: anything. Now\n\nChannel 1: The\n\nChannel 0: what is the next\n\nChannel 1: next one is the\n\nChannel 0: yes.\n\nChannel 1: twelve month $12.24 I r 0, whatever\n\nChannel 0: Yes.\n\nChannel 1: that is.\n\nChannel 0: It's internal rate of return to be fancy. Now if you can open this one for me. Now yes. So it\n\nChannel 1: Numbers.\n\nChannel 0: can look quite overwhelming, but, basically, this one here breaks down all your investments. So this is directly in regards to your superannuation for you, and it shows you all the investments, how they have done in the last twelve months, and everything is after fees. So like you said, there's been, obviously, a lot of fluctuations in the market, both obviously with everything in The US and Trump and tariffs and everything, and then now everything in The Middle East as well. So this year has seen quite a bit of turbulence throughout the twelve months. Now as you can see to your left, you have all the different investments.\n\nYou can see the names of them listed. You can\n\nChannel 1: Yes.\n\nChannel 0: see the starting value. You can also see the the market end value. So you can even see that when we started this, your balance was at 100 and let me just see here for you. Just open this one. Just close down for me.\n\n170,702, and\n\nChannel 1: Yep.\n\nChannel 0: it's now up at 209,848. And 8. And so it's it's it's still seeing quite a bit of an increase, which is nice despite, obviously, fluctuations more than, obviously, anticipated. You will also have the returns on the investment. So if you look through the second column to the right, you will have all the different investments.\n\nSo you can see here that it looks a lot more kind of not sporadic, but a lot more varied than than typically as well because of so much that's happened in the world. So despite everything and the first twelve months tend to be a little bit less as well because there's fees and everything coming out that you don't obviously have the the upfront fees and everything like that coming out later. And then, obviously, with it took a little bit longer to get your insurances in in force and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%. So in the the whole scheme of things, it's not too bad for what's going on in the market. But what I would like to do is look at swapping specifically one investment out for you. Now the one that I would like to review in a bit more detail is your Vennelong Australian equity fund. Now this is the only managed fund that you have.\n\nAnd if you remember from from when we spoke last year, then that investment had done really, really well, and it was added to the portfolio because the purpose of that one was to do a little bit more of that active management. So kind of actively buying and selling different investments to try to outperform the market. Whereas the other investments, they are focusing on kind of tracking an index. So they are kind of focusing on so one of them, for example, their focus is to track the 500 largest companies listed in The US. So that one, you know, as companies grow, they get added to the list.\n\nAs they get smaller, they kind of fall off. So they just kind of track the biggest companies. So it is a little bit different to that Bennelong investment. So the Bennelong investment, the reason why I wanna look at changing that one for you is that more recently, they've kind of under performed a little bit. And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible.\n\nChannel 1: Okay. That makes sense. But\n\nChannel 0: Yes.\n\nChannel 1: I just questioned the Global\n\nChannel 0: Mhmm.\n\nChannel 1: X Physical Gold.\n\nChannel 0: Yes.\n\nChannel 1: The buying period is zero. Everything stays the same. What what is the what is that one for?\n\nChannel 0: So it just meant that we didn't add let me see here. There wasn't any more units because you already had enough units in your portfolio. So you still have 23,211 thousand in gold. And it just kind of grew by the prices increasing. So\n\nChannel 1: No.\n\nChannel 0: you still you still yeah. So this one looks a bit complex. But if you look at the market value end period column, which is one, two, three, four, that one shows how much money is in each option.\n\nChannel 1: Yes.\n\nChannel 0: So you can see gold there at\n\nChannel 1: Yes.\n\nChannel 0: 23,000. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And you can even see the return on gold. You can see there how how crazy that is at 56\n\nChannel 1: Yeah.\n\nChannel 0: point $8.07, which is crazy.\n\nChannel 1: Yeah.\n\nChannel 0: And that's also why it is, you know, a little bit higher allocation to your portfolio, and the good thing is that you've already been invested in it, which is good. Now\n\nChannel 1: Yeah.\n\nChannel 0: with the Benelon, one of the reasons that they have fluctuates so much is because one of the companies that they had in their portfolio was called the Corporate Travel Group, and that company had a bit of issues with their reporting, which actually caused a bit of a suspense on the trading, which caused the prices to go down. So like I said, Connie, I would like to do a bit more research because, obviously, a lot has changed in the world since we spoke\n\nChannel 1: Yeah.\n\nChannel 0: last time. And the\n\nChannel 1: Yep.\n\nChannel 0: good thing with the underreviews and, you know, with the ongoing service is that we do this all the time because things are always changing. There's\n\nChannel 1: Yep.\n\nChannel 0: always changes in your life, but also in the world and the market and more so these last twelve months, really, since you came on board, there's been a lot of changes. So\n\nChannel 1: Yep.\n\nChannel 0: I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you. If you as long as you're happy for me to do so?\n\nChannel 1: Oh, yeah. Yeah. Of course.\n\nChannel 0: Yeah. Perfect. Now\n\nChannel 1: Yeah.\n\nChannel 0: Now while we are while while I am reviewing superannuation for you, I do wanted to check if do you read our newsletters at all, Connie?\n\nChannel 1: Nope. That's\n\nChannel 0: Nope.\n\nChannel 1: fine.\n\nChannel 0: That's\n\nChannel 1: Not too.\n\nChannel 0: okay. That's okay. Because I do wanted to kind of see what your thoughts are. So with superannuation, we have just very recently merged with BlackRock. Have you ever heard of them?\n\nThey are one of the biggest investment managers.\n\nChannel 1: Nope.\n\nChannel 0: No? You can definitely Google them as well. They are massive. So we have actually teamed up with them to create something that's called an SMA. So it stands for a self managed account.\n\nHave you ever heard of that before?\n\nChannel 1: I don't think I'll do well with self manage my own account.\n\nChannel 0: No. This one is not for you. So\n\nChannel 1: Oh.\n\nChannel 0: this one here yes. So it's a little bit different. It's just called a self managed account, but I'll try not keep it as simplified as I can. The difference so your money would still be invested. It would it can still be in hub twenty four.\n\nStill the same style of investment. The biggest difference is that at the moment, you have a model portfolio. So when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments. You know the percent that you have in each investment. And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research.\n\nI have to present everything in a new kind of statement of advice that we went through last time. And a lot of that is for compliance and legislation, but also making sure that you\n\nChannel 1: Yep.\n\nChannel 0: are across and understand everything.\n\nChannel 1: Yep.\n\nChannel 0: So because of that, it obviously takes a little bit to prepare all the documents and put everything together for you. You have to sign the documents to say that you are happy with the change, and then we can go ahead and make the\n\nChannel 1: Yep.\n\nChannel 0: change.\n\nChannel 1: Yep.\n\nChannel 0: So it is kind of full transparency when it comes to it. The downside is that because it takes a little while to prepare all the documents, there is sometimes a bit of a delay in, obviously, us making the change because we have to put all the the documents together, run through it with you, and you have to approve it. Does that\n\nChannel 1: Yes.\n\nChannel 0: make sense so far? Yep. The difference with the SMA is that you would be invested in a portfolio. So let's just it could just be called whatever. So you just invested in a portfolio.\n\nWe will still manage all your investments along with BlackRock. But what it allows us to do without having to do the go through the SOA, present it to you for you to sign and agree it, it allows us to, in the back end, do those changes quickly if we think it's going to be the best for you. So that is the the biggest change is we don't have to go through all the compliance and documents to make a change because you are just invested in a a product. So you will still get notified when a change is happening, but we can go ahead and make the change. And then you'll get notified, and we can do it quickly.\n\nSo that is the biggest change. Now some people are quite happy with that approach because they're like, okay. Well, if you see something changing, you can make a change tomorrow. That's fine. I don't need to be involved in the whole process.\n\nBut some clients, that I also have are like, no. I kind of prefer this old way because I can exactly see all the investments. We'll go through it together, and then you have to say you're happy with it before we make a change. So do you have which what preference do you have? Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you?\n\nWhat what do you what would you be more comfortable with, and what do you prefer?\n\nChannel 1: That's a very interesting question.\n\nChannel 0: Yeah. And there's no right answer. And irrespective, I have to go and do the research. I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position. And at all points in times, have to take you know, put your interest above anything else.\n\nBut it also comes down to preference because I can build different portfolios outside this new model and still do, you know, a similar concept. It just means that it's a little bit slower with making change. We can still very much do it that way. And it also comes down to to preference. Because like I said, I have some clients who's like, no.\n\nI quite like the way things are right now, and we can still achieve a you you can still have the same investments. It just means that it's a little bit slower to make the process. We obviously do it as quickly as we can. It just takes a little bit longer, but it's full transparency. You can see exactly the\n\nChannel 1: I see it more about trust instead of any of those. So the liability is still the same. Like\n\nChannel 0: 100%. Yes. The the rules of legislation protecting you is the same. It's it's that's the law. It's just a different way of doing the investment.\n\nIf you prefer to kind of stick with the old model and any changes, I'll give you a call and run through it together, then I'm more than happy to stick with that if you would be a bit more comfortable with it because we can still achieve a very good outcome. It just means that it'll take a little bit longer, which, again, I have I have a lot of clients who's like, no. I prefer that way. And some who goes, oh, no. This is actually good because we get to use BlackRock's research and stuff like that to build a portfolio.\n\nChannel 1: I when you say it, I already\n\nChannel 0: Yeah.\n\nChannel 1: understand. Then I just had a laugh\n\nChannel 0: Yes.\n\nChannel 1: because I know\n\nChannel 0: Yeah.\n\nChannel 1: even though if I choose the old way, I will\n\nChannel 0: Yes.\n\nChannel 1: just when whatever you say, I'll say, yeah. Yeah. Alright. Good.\n\nChannel 0: Yep. Yeah. And what I can do\n\nChannel 1: Because\n\nChannel 0: for\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: don't know\n\nChannel 0: yeah.\n\nChannel 1: much as you can tell and as\n\nChannel 0: Yeah.\n\nChannel 1: you can still see.\n\nChannel 0: Yeah.\n\nChannel 1: Of course, I will understand there will be impacts if\n\nChannel 0: Yes.\n\nChannel 1: the things happen around the world and\n\nChannel 0: Yes.\n\nChannel 1: but because I don't follow any of those\n\nChannel 0: Yep.\n\nChannel 1: markets, I will not know who will\n\nChannel 0: Yes.\n\nChannel 1: be the best.\n\nChannel 0: Yes.\n\nChannel 1: So I definitely rely on you for\n\nChannel 0: Yes.\n\nChannel 1: sure.\n\nChannel 0: And that's why we're here. And and\n\nChannel 1: Yeah.\n\nChannel 0: the the the SMA is good in that way that if something like, if because we obviously do research all the time. So we have a big investment committee and join with BlackRock now, which is great. So if we, for example, foresee something changing, because the stock market can fluctuate so much now we don't wanna day trade your super. That is the purpose. It is your long term investment.\n\nBut, obviously, like we've seen the last twelve months, things do fluctuate. So if, for example, something were to happen in one market of the world, let's say something happens to China or something, and we had China in your investments. We don't. But if we did and then something changes, we can go like, okay. Tomorrow or straight away when the market open, let's get out, and let's put it in a different market.\n\nSo we could do that very quickly for you and then let you know we'll still send you documents and say, hey. Just letting you know we've made this change for you. This is the reasons why we believe it's better. And, again, all the the trust, the compliance, making that you are always put above everything else, that is the law. So that stays in place for anything we do.\n\nIt just means it's quicker. When you go in hub twenty four, you can still click on the estimate, and you can still see all your investments. So you still have oversight over everything. It just means that still have oversight over everything. It just means that we can do it quicker in the back end\n\nChannel 1: Yep.\n\nChannel 0: because\n\nChannel 1: Yep.\n\nChannel 0: of how the structure is. So\n\nChannel 1: So the\n\nChannel 0: it is\n\nChannel 1: portfolio,\n\nChannel 0: yes. It\n\nChannel 1: is\n\nChannel 0: it\n\nChannel 1: that still\n\nChannel 0: It it\n\nChannel 1: the same portfolio If\n\nChannel 0: It\n\nChannel 1: I go for SMA, or is that completely different portfolio?\n\nChannel 0: it we have different ones. So\n\nChannel 1: Sorry?\n\nChannel 0: how we put we have there is difference. So with the SMA, we have a lot of different options as well, and a lot of it comes down through your risk profile. So we have you in a growth portfolio. Do you remember kind\n\nChannel 1: Yes.\n\nChannel 0: of yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So are you still happy with your growth allocation? Are you still comfortable with the same fluctuations and allocation, or do you wanna run through another couple of questions to see if anything has changed for you?\n\nChannel 1: No.\n\nChannel 0: No. No. No. You don't wanna go through the questions, or no. You're not sure what the growth meant.\n\nChannel 1: I know the growth\n\nChannel 0: Yes.\n\nChannel 1: portfolio.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So with the growth portfolio, it is where we have your 80% to your growth investment. So that is your your property, your international shares, your Australian shares. And then 20% are your more defensive. So your cash, your gold, your fixed interest.\n\nAnd the purpose is to try to grow your superannuation as much as possible while you still have the time. But then also a little bit of that defensive component to limit fluctuations. So if you are happy with your growth portfolio still, we can do the SMA with the same level of risk as you currently have. So the same level of fluctuation, as you currently have. And when I do the research, I will cross reference the investments you currently have on what's in the SMA and if we can transfer any over for you or if there are any new ones.\n\nIt because with the SMA, it can change a bit quicker because we can very quickly make changes.\n\nChannel 1: Should I go a little bit more risky?\n\nChannel 0: Are you comfortable with that? What I'll do, I'll just do a couple of questions to see, and it's not as long as last time. And just to see if you are comfortable, we can definitely, if you are happy with it. So what I can do let me see. I'll try to refill some of this to not waste your time and make it quicker.\n\nAt the moment, are you still planning on maybe accessing Super at 65? Is that still kind of the plan?\n\nChannel 1: Actually, I don't care. Maybe\n\nChannel 0: No?\n\nChannel 1: 70.\n\nChannel 0: Maybe\n\nChannel 1: I don't\n\nChannel 0: 70.\n\nChannel 1: know.\n\nChannel 0: Depends\n\nChannel 1: 60\n\nChannel 0: how you're\n\nChannel 1: pounds\n\nChannel 0: feeling.\n\nChannel 1: is how\n\nChannel 0: Yeah.\n\nChannel 1: long I survive.\n\nChannel 0: Yeah. And are you still hoping to be able to draw an income of about $1,500 per week? Do you think that's still kind of, you know, achievable? Would that cover your bills and expenses if you take 1,500 per week, or would you need a bit more?\n\nChannel 1: I think I right right nowadays, I think I would need\n\nChannel 0: Yes?\n\nChannel 1: more.\n\nChannel 0: Yeah. Do you think, like, 2,000,\n\nChannel 1: 2,000\n\nChannel 0: eighteen hundred,\n\nChannel 1: at least.\n\nChannel 0: 2,000? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I'll change that\n\nChannel 1: The\n\nChannel 0: to\n\nChannel 1: more\n\nChannel 0: 2,000.\n\nChannel 1: the better, I think. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. So a minimum of about $22,000 per week. Now inflation. So we kind of talked about this a little bit with everything getting more expensive. So if you think of superannuation alone, so only think of superannuation for these questions, how much risk would you be willing to take in order to tryna keep up with the rising prices, making sure that you stay on top of the the increase in prices in your superannuation, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk?\n\nChannel 1: The risk sorry. Is that the risk that I would like to take for my super?\n\nChannel 0: Correct. Yes. Do you think, like, very high risk, high,\n\nChannel 1: Moderate.\n\nChannel 0: or a bit more moderate? Yep. Perfect. And if you notice that your superannuation dropped by 20% in a six month period. Not because of a bad investment, just kind of the market as we as a whole, which which we have seen recently doing a little bit of fluctuations.\n\nWould you say that you would want to, if you had the option, invest a little bit more money while the prices are down, or would you kind of hold just wait and see what happens in the market, or would you want to sell out and then move to something a little bit safer? They're a bit tricky.\n\nChannel 1: Maybe invest.\n\nChannel 0: Invest? Okay. Would you say you would invest a lot or just a little bit?\n\nChannel 1: Just a little bit. Not\n\nChannel 0: Just a little\n\nChannel 1: not\n\nChannel 0: bit. Yep.\n\nChannel 1: crazy. Yeah.\n\nChannel 0: Yeah. Perfect. And seeing any assets or superannuation or anything else full in value, if you ever saw it, do you think you that that would make you feel optimistic about potential opportunities in the future? Do you think you would be a bit bit more cautious not making further investments, or would you say very, very, very concerned or just somewhere in the middle, not too bothered?\n\nChannel 1: Sorry. What was the situation again?\n\nChannel 0: If your superannuation fell. So it went down in value because of investment fluctuations.\n\nChannel 1: Oh,\n\nChannel 0: Was\n\nChannel 1: I guess just a little bit concerned.\n\nChannel 0: it\n\nChannel 1: Hopefully,\n\nChannel 0: a\n\nChannel 1: it'll\n\nChannel 0: little, little\n\nChannel 1: come back.\n\nChannel 0: bit from there? Yep. Yep. Perfect. Let's see here.\n\nAnd would you ever consider taking out a loan to invest in the stock market, like funds and stocks or anything like that?\n\nChannel 1: No.\n\nChannel 0: No. Would you ever borrow for an investment property or just for your own house?\n\nChannel 1: Another loan.\n\nChannel 0: Yes. Would you or just just for your property, like your mortgage that you have?\n\nChannel 1: No. I think I'm happy just one mortgage is enough.\n\nChannel 0: Yeah. Perfect. Now when I add all of these up, it tells me here that your risk tolerance do adds up to that growth portfolio that we have. So from how you have answered the question, the risk you are currently in does align. If you still want to increase it, we can as long as that you'll be comfortable.\n\nBut if we increase it to a high growth, what that means is that you're gonna see more fluctuations in short term, in the long term, trying to achieve high over time. So it depends on what you are comfortable with as well because when we are also looking at a time frame, so making sure that you have enough time in the market, in a growth portfolio, we wanna allow at least six years until you retire, whereas\n\nChannel 1: Mhmm.\n\nChannel 0: a high growth, eight years. So you have the time for for both, but it's also where you are comfortable with. Because if you saw your fluctuations drop in value and that would make you quite concerned, then maybe growth is suitable. But if you feel like, you know what? I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you.\n\nBut, also, with the SMA, I can build it I can do a mix of different portfolios. So if you go, I kind of like both. I can always do a mix of in between. So in a growth, we have your eighty twenty split. A high growth, you\n\nChannel 1: Yep.\n\nChannel 0: have 92 ninety ten. So 90 is through those growth investments. I can always do it where it's, like, eighty five fifteen if you wanna take a little bit more, but not fully. Another way to kind of relook at it again is if you go back into the documents in your email there, do you see one where it says your Vanguard index chart? Can you see that one?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. So this one here, I think we went through this last time. It's just an updated one, but this one shows you the different breakdown.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: yeah. So in your high in your growth, sorry. So how you are currently invested, if you look at the top four, so The US shares, Australian shares, international shares, and the property,\n\nChannel 1: Yep.\n\nChannel 0: this this is where you currently have about 80%, and then you have 20 in the bottom. So those are the ones that you see fluctuate the most, but they also grow the most. So if we change it, it will be 90% in the top one, ten in the bottom. It means that your gold will be less as well, or we can do a mix between the two.\n\nChannel 1: Alright.\n\nChannel 0: Or if\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: I'll\n\nChannel 0: comfortable\n\nChannel 1: do a thing next.\n\nChannel 0: mix? Okay. I can have\n\nChannel 1: Yes.\n\nChannel 0: a look at that. So because with the SMA, I can do, like, a fifty fifty, 50 to one and fifty to another to put you kind of somewhere in the middle where it's more around eighty five, fifteen. Do you think you'd be okay with that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah? Okay.\n\nChannel 1: Yep.\n\nChannel 0: Now I will go and do the research on the SMA for you, but I will also research other options. So\n\nChannel 1: Yep.\n\nChannel 0: if it is that there's other options that's going to be better than the SMA, then I will recommend that. If the SMA is going to be better than you are currently, then I will recommend it. But I'll still run through the changes with you,\n\nChannel 1: Yes.\n\nChannel 0: and then you can let me know. And what I can do as well for you, Connie, is if you would like it can be confusing, but what I can is I can even send you an email with a bit more information on the concept of the SMA if you would like to read up on it a little bit before our next catch up if if that is something that you would would find helpful.\n\nChannel 1: Yeah. That would be\n\nChannel 0: Yeah.\n\nChannel 1: great. Thank you.\n\nChannel 0: I will send that through. Now I will go and do this research on the investments for you. Like I said, it will take a couple of weeks for me to get all of it together. But as soon as as soon as I have it ready, I will give you a call, and I will run through the changes. And then we can, you know, see what we would like to do.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Now while I am doing the research, is there anything else you want me to look at for you? Are you still happy with your insurances and the way things are set up otherwise? It's mainly just having a bit of a look at that super for you.\n\nChannel 1: I guess.\n\nChannel 0: Yeah. We can always take it one one thing at a time as well so it doesn't get too much. So I will have a look at this. I will send you an email with the SMA, and I'll also incent that cash flow and budget for you. For you.\n\nChannel 1: Yeah. So do I wait for you next time before I sign the document?\n\nChannel 0: If you could do it now, that would be good because nothing's changing. So if I go and make a change if I recommend that we change anything, it's not gonna cost you anymore. It's all part of the ongoing advice, see that 1.65. It stays exactly the same. There's no more upfront or anything like that.\n\nIt all stays the same. But if you are happy to sign the documents, it just means that we can keep service and assist you in the meantime on until we speak as well, and it's not changing anything as long as you're happy to sign those documents.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Now it might look a little bit different than the DocuSign did last time. So let me know how you go with the signing and if you have any issues. When you finish, it should say complete.\n\nChannel 1: Sorry?\n\nChannel 0: Are you going okay with with signing it? Because it's a little bit different than the old\n\nChannel 1: I'm a IT person.\n\nChannel 0: system. Oh, perfect.\n\nChannel 1: No problem. I just signed already.\n\nChannel 0: Oh, perfect.\n\nChannel 1: Oh,\n\nChannel 0: That's great. Now that's very good. Sometimes it's it's a bit tricky, especially with the new software, and I I'm not great with IT sometimes.\n\nChannel 1: that's\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: that's good.\n\nChannel 1: Oh, good.\n\nChannel 0: So I can\n\nChannel 1: You still\n\nChannel 0: see that\n\nChannel 1: received\n\nChannel 0: that has\n\nChannel 1: it.\n\nChannel 0: come\n\nChannel 1: I hope so.\n\nChannel 0: yes. I've just got a notification that that's been received, which is\n\nChannel 1: Yep.\n\nChannel 0: great. So I will get working on this research here for you, Connie. Like I said, I'll send you the cash flow and budget. If you have a moment, you obviously work through it. If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or\n\nChannel 1: Okay.\n\nChannel 0: if there is any other areas that you wanna have a look at as well.\n\nChannel 1: When you oh, is that another area? I don't know what area that you actually refer to.\n\nChannel 0: So it it it can be a lot of different things. So it can be if you just want a general conversation in regards to finances, if you wanna look at different contributions into super, there's different structures for it, if you wanna look at different salary sacrifices, if you wanna look at different personal investments, so a personal investment account for you, if you wanna look at investment structures for your son, if you wanna look at a a range of different options because we are a holistic firm. So there are a lot of areas that we can provide advice on depending on what you want. So if there is anything to do with your finances that you want assistance or guidance with or even, you know, cash on budget and stuff like that, Does that clarify anything, or does that make sense? That's quite broad.\n\nChannel 1: Does that include help to find? Well, I don't know.\n\nChannel 0: Defined.\n\nChannel 1: Like, for example, like, if I really need to buy a car either for myself or for my son,\n\nChannel 0: Yep.\n\nChannel 1: Do I just find a company, get another loan?\n\nChannel 0: It can so with because that's kind of a different that's more like your loan structure. So because I'm not a lender, I can't do, like, loan structures.\n\nChannel 1: Mhmm.\n\nChannel 0: I can\n\nChannel 1: Okay.\n\nChannel 0: always so we work very closely with lenders, so mortgage brokers and stuff like that, but they can also do personal loans, some of them. So if it is a situation where you want to do car loans or you want to do even review your mortgage structure or anything like that, you can always just let me know, and I can always get someone to give you a call and talk a bit more with lending side of it. I just won't be able to do it because I don't have I'm not a mortgage broker, but I can get one of our contacts to get in touch with you through review at lending if it is that you want to do. Or even some people do it from, like if you have a lot of different credit cards and personal loans, they can look at kind of consolidating things as well. So but, otherwise, often, it's also depending on where you buy the car from and what loans they have and stuff like that.\n\nAnd if you because especially if it's secondhand, some might\n\nChannel 1: Yeah.\n\nChannel 0: be restrictive of what\n\nChannel 1: Yep.\n\nChannel 0: what you can do. But it might even be good sometimes speaking to a mortgage broker because you might be able to draw some equity from the house, for example, depending on what you are comfortable with because a car loan sometimes can be higher interest than\n\nChannel 1: Yes.\n\nChannel 0: potentially\n\nChannel 1: They\n\nChannel 0: the\n\nChannel 1: are.\n\nChannel 0: mortgage. Yeah. So sometimes it's not a bad idea to do a bit of a mortgage review because you might the property price may have increased quite a bit since you bought it, and your mortgage goes down. So there might be, you know, ways of utilizing some from the mortgage and getting it refinanced to get potentially a bit more money to do something else. Would you like me to get our mortgage broker to give you a call to to it's just a free review.\n\nThey can always review your your mortgage and the way things are and see you know? And you can talk to them about, like, okay. Well, do I have any extra equity, or what could I draw from that? Obviously, it will potentially change the loan. But\n\nChannel 1: Yeah.\n\nChannel 0: because the the property value has probably gone up, there might be a lot of flexibilities. And I think I think it's good to relook at the mortgage every year just to see what the rates are and see how things change, especially if property prices have gone up quite a lot lately. Yeah.\n\nChannel 1: So what about I got few different banks for different things, for different purpose\n\nChannel 0: Yeah.\n\nChannel 1: for no reason.\n\nChannel 0: Yeah.\n\nChannel 1: If I want to, someone could have a look.\n\nChannel 0: Yeah. Yeah. Yes. So I can do general general advice I can do. So even if you send me, hey.\n\nThese are the different banks I have. We can just do some general information on the different interests and stuff like that. But, again, the mortgage broker is typically the best one because they have all the rates and they have access to all of it. And they can say, okay. Well, if you swap through do you know who your bank is that your mortgage is with?\n\nChannel 1: Yeah. Loans.com.au.\n\nChannel 0: And your other banks?\n\nChannel 1: Oh, I have Westpac. I have\n\nChannel 0: Yeah?\n\nChannel 1: oh, Oh, I nearly forgot all my banks.\n\nChannel 0: That's okay.\n\nChannel 1: I have MyState Bank,\n\nChannel 0: Yeah.\n\nChannel 1: Moore's Bank,\n\nChannel 0: Yeah.\n\nChannel 1: and Great South Bank.\n\nChannel 0: Yeah? And it can be good because depending on each of the banks, there might be an administration fee just to hold the account. And if you are paying administration fee for all of them, that might cost more, or some might not have administration fees. So if you would like me to, I'd be more than happy to organize our mortgage broker to give you a call and kind of assess things for you because they can do a bit of a a review of your mortgage structure with the banks and stuff like that because they have access to all the rates of what you are getting on the banks, but then also a comparison of if there's administration fees and stuff like that that you are paying. Because I think that could be quite helpful for you if that is something you're comfortable\n\nChannel 1: That sounds a good idea.\n\nChannel 0: with. Yeah. I think so too. Now I will send and I think it's good for everyone to do. Now I will send an introduction email so you have the details as well, but I'll get them to reach out to you.\n\nAnd when is the best time for you, Connie, for them to give you a quick phone call?\n\nChannel 1: Tomorrow maybe afternoon, maybe around\n\nChannel 0: Tomorrow\n\nChannel 1: one\n\nChannel 0: tomorrow afternoon around one. Okay.\n\nChannel 1: or after their lunchtime. I don't know what time their lunchtime is.\n\nChannel 0: Yeah. Okay. Perfect. I will do I will send that introduction, Emma, before I leave today and see if they can give you a call tomorrow, month one.\n\nChannel 1: Yep.\n\nChannel 0: They are they're very good with responding to emails. Otherwise so if they can't, they are pretty good with responding. Otherwise, they will give you a call and kind of run through the option. And then the good thing is as well that when we then catch up in a couple of weeks for your super, you can let me know as well how things went, and then we can\n\nChannel 1: Okay.\n\nChannel 0: always work on things together.\n\nChannel 1: Yep.\n\nChannel 0: So I will get them to do that. And like I said, it's just a free review on the mortgage, and it's a good especially if you have different banks and mortgages and so just one mortgage, but different banks, they can run kind of a good comparison on on all of that for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So I will get them through I'll send that email for you today. I will also send the SMA email for some information, the\n\nChannel 1: Yep.\n\nChannel 0: cash flow and budget. And, otherwise, I will give you a call in a couple of weeks to run through all the research, and we can kind of touch base on how you went with speaking with the lender. But do you have any other questions or need anything else from me before I let you go otherwise today?\n\nChannel 1: No. I'm pretty good now. Thank you.\n\nChannel 0: No?\n\nChannel 1: Thanks,\n\nChannel 0: Okay.\n\nChannel 1: Veronica.\n\nChannel 0: Perfect. No. That's okay, Connie. If you think of anything else during the meantime, you can always send me an email or or give me a call, and, we can always book in a catch up whenever you want to if there is anything else that that pops up, that you need help with as well.\n\nChannel 1: Sure. That's\n\nChannel 0: Yeah.\n\nChannel 1: great. No\n\nChannel 0: Perfect.\n\nChannel 1: worries. Alright.\n\nChannel 0: Well, thank you so much for your time this\n\nChannel 1: No.\n\nChannel 0: afternoon.\n\nChannel 1: Thank\n\nChannel 0: It\n\nChannel 1: you\n\nChannel 0: was\n\nChannel 1: for\n\nChannel 0: lovely to speak to you\n\nChannel 1: thank\n\nChannel 0: again\n\nChannel 1: you for\n\nChannel 0: for a\n\nChannel 1: co\n\nChannel 0: little while.\n\nChannel 1: okay. No worries.\n\nChannel 0: And I look forward to, you know, speaking with you very soon again about\n\nChannel 1: Yep.\n\nChannel 0: all of this.\n\nChannel 1: No worries. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you. 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that.","start":208.21999,"end":218.765,"sentiment":"neutral","sentiment_score":0.04972671333919553}],"sentiment":"neutral","sentiment_score":0.2903366193852641,"channel":0,"num_words":77,"start":196.66501,"end":218.765},{"sentences":[{"text":"Yeah.","start":219.215,"end":219.715,"sentiment":"neutral","sentiment_score":0.17577199637889862}],"sentiment":"neutral","sentiment_score":0.17577199637889862,"channel":1,"num_words":1,"start":219.215,"end":219.715},{"sentences":[{"text":"So what I will do is I will just send you by email.","start":219.465,"end":223.965,"sentiment":"neutral","sentiment_score":0.22586320455257708},{"text":"It is an Excel workbook.","start":224.505,"end":226.285,"sentiment":"neutral","sentiment_score":0.22512086629867553},{"text":"It is just like a a template just a general template for cash flow and budgeting, and it is a good starting point.","start":227.065,"end":235.61,"sentiment":"positive","sentiment_score":0.33488699210726697},{"text":"And it is pretty self 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it's just an updated version of that one for you.","start":1551.865,"end":1554.8251,"sentiment":"neutral","sentiment_score":0.32046758044849744},{"text":"So we've had a bit of an extension to the team, which is nice.","start":1554.8251,"end":1558.6051,"sentiment":"positive","sentiment_score":0.48144775203296114},{"text":"But when you have a moment, have a look through them.","start":1558.8251,"end":1561.305,"sentiment":"neutral","sentiment_score":0.22661273723298853},{"text":"We've had a bit of an we've introduced kind of marketing material as well.","start":1561.305,"end":1567.29,"sentiment":"neutral","sentiment_score":0.25214777354683193},{"text":"So you'll see it has a little bit of a revamp to it, which is nice, and you will see a a bigger extension to our 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the investment.","start":1855.1,"end":1859.105,"sentiment":"positive","sentiment_score":0.5208116670449575},{"text":"So if you look through the second column to the right, you will have all the different investments.","start":1859.965,"end":1865.825,"sentiment":"neutral","sentiment_score":0.21775521462162337}],"sentiment":"positive","sentiment_score":0.35751956452926,"channel":0,"num_words":57,"start":1837.3351,"end":1865.825},{"sentences":[{"text":"So you can see here that it looks a lot more kind of not sporadic, but a lot more varied than than typically as well because of so much that's happened in the world.","start":1866.525,"end":1878.39,"sentiment":"neutral","sentiment_score":0.18608343469745972},{"text":"So despite everything and the first twelve months tend to be a little bit less as well because there's fees and everything coming out that you don't obviously have the the upfront fees and everything like that coming out later.","start":1878.77,"end":1892.695,"sentiment":"neutral","sentiment_score":-0.15777742294594646},{"text":"And then, obviously, with it took a little bit longer to get your insurances in in force and stuff like that.","start":1893.315,"end":1898.8401,"sentiment":"neutral","sentiment_score":-0.17528270397867476}],"sentiment":"neutral","sentiment_score":-0.038581020228172606,"channel":0,"num_words":95,"start":1866.525,"end":1898.8401},{"sentences":[{"text":"Yeah.","start":1899.08,"end":1899.58,"sentiment":"neutral","sentiment_score":0.02485416829586029}],"sentiment":"neutral","sentiment_score":0.02485416829586029,"channel":1,"num_words":1,"start":1899.08,"end":1899.58},{"sentences":[{"text":"Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%.","start":1899.7001,"end":1908.2001,"sentiment":"neutral","sentiment_score":0.2305062446547182},{"text":"So in the the whole scheme of things, it's not too bad for what's going on in the market.","start":1908.9,"end":1915.295,"sentiment":"neutral","sentiment_score":0.17773022777155825},{"text":"But what I would like to do is look at swapping specifically one investment out for you.","start":1916.075,"end":1923.775,"sentiment":"neutral","sentiment_score":0.08445271433276288},{"text":"Now the one that I would like to review in a bit more detail is your Vennelong Australian equity fund.","start":1924.555,"end":1933.12,"sentiment":"neutral","sentiment_score":0.07174274120479822},{"text":"Now this is the only managed fund that you have.","start":1933.12,"end":1936.02,"sentiment":"neutral","sentiment_score":0.09116312675178051}],"sentiment":"neutral","sentiment_score":0.1357491201337646,"channel":0,"num_words":85,"start":1899.7001,"end":1936.02},{"sentences":[{"text":"And if you remember from from when we spoke last year, then that investment had done really, really well, and it was added to the portfolio because the purpose of that one was to do a little bit more of that active management.","start":1936.5599,"end":1953.015,"sentiment":"neutral","sentiment_score":0.18794959003842154},{"text":"So kind of actively buying and selling different investments to try to outperform the market.","start":1953.0751,"end":1958.69,"sentiment":"neutral","sentiment_score":0.1266165147225062},{"text":"Whereas the other investments, they are focusing on kind of tracking an index.","start":1960.43,"end":1965.09,"sentiment":"neutral","sentiment_score":-0.01055540473988423},{"text":"So they are kind of focusing on so one of them, for example, their focus is to track the 500 largest companies listed in The US.","start":1965.79,"end":1976.5751,"sentiment":"neutral","sentiment_score":0.0041941640038902946},{"text":"So that one, you know, as companies grow, they get added to the list.","start":1977.115,"end":1980.875,"sentiment":"neutral","sentiment_score":-0.025282688039754118}],"sentiment":"neutral","sentiment_score":0.08647703119293526,"channel":0,"num_words":111,"start":1936.5599,"end":1980.875},{"sentences":[{"text":"As they get smaller, they kind of fall off.","start":1980.875,"end":1982.795,"sentiment":"neutral","sentiment_score":-0.12171105709340838},{"text":"So they just kind of track the biggest companies.","start":1982.795,"end":1985.295,"sentiment":"neutral","sentiment_score":-0.05819539870652887},{"text":"So it is a little bit different to that Bennelong investment.","start":1986.21,"end":1988.95,"sentiment":"neutral","sentiment_score":-0.06363215907053514},{"text":"So the Bennelong investment, the reason why I wanna look at changing that one for you is that more recently, they've kind of under performed a little bit.","start":1989.49,"end":2001.025,"sentiment":"neutral","sentiment_score":-0.1085408709145018},{"text":"And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible.","start":2001.025,"end":2021.6101,"sentiment":"neutral","sentiment_score":0.33049953421429984}],"sentiment":"neutral","sentiment_score":0.1288601201493293,"channel":0,"num_words":120,"start":1980.875,"end":2021.6101},{"sentences":[{"text":"Okay.","start":2023.115,"end":2023.615,"sentiment":"neutral","sentiment_score":0.1370476484298706},{"text":"That makes sense.","start":2025.195,"end":2026.495,"sentiment":"neutral","sentiment_score":0.17743115623792013},{"text":"But","start":2026.875,"end":2027.375,"sentiment":"neutral","sentiment_score":0.04112868010997772}],"sentiment":"neutral","sentiment_score":0.14209395945072173,"channel":1,"num_words":5,"start":2023.115,"end":2027.375},{"sentences":[{"text":"Yes.","start":2027.03,"end":2027.445,"sentiment":"neutral","sentiment_score":0.053278639912605286}],"sentiment":"neutral","sentiment_score":0.053278639912605286,"channel":0,"num_words":1,"start":2027.03,"end":2027.445},{"sentences":[{"text":"I just questioned the Global","start":2027.435,"end":2029.295,"sentiment":"neutral","sentiment_score":0.0046198531985282894}],"sentiment":"neutral","sentiment_score":0.0046198531985282894,"channel":1,"num_words":5,"start":2027.435,"end":2029.295},{"sentences":[{"text":"Mhmm.","start":2029.205,"end":2029.705,"sentiment":"neutral","sentiment_score":0.006737376097589731}],"sentiment":"neutral","sentiment_score":0.006737376097589731,"channel":0,"num_words":1,"start":2029.205,"end":2029.705},{"sentences":[{"text":"X Physical Gold.","start":2029.595,"end":2031.45,"sentiment":"neutral","sentiment_score":0.003309047780930996}],"sentiment":"neutral","sentiment_score":0.003309047780930996,"channel":1,"num_words":3,"start":2029.595,"end":2031.45},{"sentences":[{"text":"Yes.","start":2031.9249,"end":2032.4249,"sentiment":"neutral","sentiment_score":0.04015670344233513}],"sentiment":"neutral","sentiment_score":0.04015670344233513,"channel":0,"num_words":1,"start":2031.9249,"end":2032.4249},{"sentences":[{"text":"The buying period is zero.","start":2032.95,"end":2034.57,"sentiment":"neutral","sentiment_score":0.020473568141460417},{"text":"Everything stays the same.","start":2036.23,"end":2037.69,"sentiment":"neutral","sentiment_score":0.01980083715170622},{"text":"What what is the what is that one for?","start":2038.1499,"end":2040.73,"sentiment":"neutral","sentiment_score":-0.014165254516734017}],"sentiment":"neutral","sentiment_score":0.003004661036862267,"channel":1,"num_words":18,"start":2032.95,"end":2040.73},{"sentences":[{"text":"So it just meant that we didn't add let me see here.","start":2041.61,"end":2046.03,"sentiment":"neutral","sentiment_score":-0.016835572353253763},{"text":"There wasn't any more units because you already had enough units in your portfolio.","start":2046.17,"end":2052.35,"sentiment":"neutral","sentiment_score":-0.09769336586552006},{"text":"So you still have 23,211 thousand in gold.","start":2052.4102,"end":2059.2551,"sentiment":"neutral","sentiment_score":0.06147292070090771},{"text":"And it just kind of grew by the prices increasing.","start":2060.195,"end":2063.415,"sentiment":"neutral","sentiment_score":-0.03743242062628269},{"text":"So","start":2066.195,"end":2066.5151,"sentiment":"neutral","sentiment_score":-0.03784314915537834}],"sentiment":"neutral","sentiment_score":-0.033113732892605996,"channel":0,"num_words":45,"start":2041.61,"end":2066.5151},{"sentences":[{"text":"No.","start":2066.43,"end":2066.93,"sentiment":"neutral","sentiment_score":-0.0840303897857666}],"sentiment":"neutral","sentiment_score":-0.0840303897857666,"channel":1,"num_words":1,"start":2066.43,"end":2066.93},{"sentences":[{"text":"you still you still yeah.","start":2066.5151,"end":2067.7952,"sentiment":"neutral","sentiment_score":-0.0917765736579895},{"text":"So this one looks a bit complex.","start":2067.7952,"end":2069.8152,"sentiment":"neutral","sentiment_score":-0.0839202521102769},{"text":"But if you look at the market value end period column, which is one, two, three, four, that one shows how much money is in each option.","start":2070.35,"end":2079.33,"sentiment":"neutral","sentiment_score":0.024985254224803712}],"sentiment":"neutral","sentiment_score":-0.009531353051081682,"channel":0,"num_words":39,"start":2066.5151,"end":2079.33},{"sentences":[{"text":"Yes.","start":2079.895,"end":2080.395,"sentiment":"neutral","sentiment_score":0.07680928707122803}],"sentiment":"neutral","sentiment_score":0.07680928707122803,"channel":1,"num_words":1,"start":2079.895,"end":2080.395},{"sentences":[{"text":"So you can see gold there at","start":2080.83,"end":2082.83,"sentiment":"neutral","sentiment_score":0.09716655739716121}],"sentiment":"neutral","sentiment_score":0.09716655739716121,"channel":0,"num_words":7,"start":2080.83,"end":2082.83},{"sentences":[{"text":"Yes.","start":2082.695,"end":2083.195,"sentiment":"neutral","sentiment_score":0.0991017371416092}],"sentiment":"neutral","sentiment_score":0.0991017371416092,"channel":1,"num_words":1,"start":2082.695,"end":2083.195},{"sentences":[{"text":"23,000.","start":2082.83,"end":2084.05,"sentiment":"neutral","sentiment_score":0.10529927909374236},{"text":"Yep.","start":2084.405,"end":2084.905,"sentiment":"neutral","sentiment_score":0.15734541416168213}],"sentiment":"neutral","sentiment_score":0.13132234662771225,"channel":0,"num_words":2,"start":2082.83,"end":2084.905},{"sentences":[{"text":"Yep.","start":2084.73,"end":2085.23,"sentiment":"neutral","sentiment_score":0.17968085408210754}],"sentiment":"neutral","sentiment_score":0.17968085408210754,"channel":1,"num_words":1,"start":2084.73,"end":2085.23},{"sentences":[{"text":"And you can even see the return on gold.","start":2085.125,"end":2087.285,"sentiment":"neutral","sentiment_score":0.25566979746023816},{"text":"You can see there how how crazy that is at 56","start":2087.285,"end":2090.665,"sentiment":"neutral","sentiment_score":0.15758471461859616}],"sentiment":"neutral","sentiment_score":0.20172300189733505,"channel":0,"num_words":20,"start":2085.125,"end":2090.665},{"sentences":[{"text":"Yeah.","start":2091.05,"end":2091.55,"sentiment":"neutral","sentiment_score":0.09141123294830322}],"sentiment":"neutral","sentiment_score":0.09141123294830322,"channel":1,"num_words":1,"start":2091.05,"end":2091.55},{"sentences":[{"text":"point $8.07, which is crazy.","start":2091.125,"end":2092.9849,"sentiment":"neutral","sentiment_score":0.1068079188466072}],"sentiment":"neutral","sentiment_score":0.1068079188466072,"channel":0,"num_words":5,"start":2091.125,"end":2092.9849},{"sentences":[{"text":"Yeah.","start":2093.53,"end":2094.03,"sentiment":"neutral","sentiment_score":0.22464513778686523}],"sentiment":"neutral","sentiment_score":0.22464513778686523,"channel":1,"num_words":1,"start":2093.53,"end":2094.03},{"sentences":[{"text":"And that's also why it is, you know, a little bit higher allocation to your portfolio, and the good thing is that you've already been invested in it, which is good.","start":2093.765,"end":2100.93,"sentiment":"positive","sentiment_score":0.49005448049114597},{"text":"Now","start":2102.75,"end":2103.25,"sentiment":"neutral","sentiment_score":0.09963548183441162}],"sentiment":"positive","sentiment_score":0.477853886783123,"channel":0,"num_words":32,"start":2093.765,"end":2103.25},{"sentences":[{"text":"Yeah.","start":2102.905,"end":2103.405,"sentiment":"neutral","sentiment_score":0.032062627375125885}],"sentiment":"neutral","sentiment_score":0.032062627375125885,"channel":1,"num_words":1,"start":2102.905,"end":2103.405},{"sentences":[{"text":"with the Benelon, one of the reasons that they have fluctuates so much is because one of the companies that they had in their portfolio was called the Corporate Travel Group, and that company had a bit of issues with their reporting, which actually caused a bit of a suspense on the trading, which caused the prices to go down.","start":2103.47,"end":2129.6401,"sentiment":"neutral","sentiment_score":-0.1691360073784987},{"text":"So like I said, Connie, I would like to do a bit more research because, obviously, a lot has changed in the world since we spoke","start":2130.1802,"end":2138.58,"sentiment":"neutral","sentiment_score":-0.028772146799243413}],"sentiment":"neutral","sentiment_score":-0.12670042162197967,"channel":0,"num_words":86,"start":2103.47,"end":2138.58},{"sentences":[{"text":"Yeah.","start":2138.205,"end":2138.705,"sentiment":"neutral","sentiment_score":-0.007086088880896568}],"sentiment":"neutral","sentiment_score":-0.007086088880896568,"channel":1,"num_words":1,"start":2138.205,"end":2138.705},{"sentences":[{"text":"last time.","start":2138.58,"end":2139.4001,"sentiment":"neutral","sentiment_score":-0.00638914480805397},{"text":"And the","start":2139.835,"end":2140.075,"sentiment":"neutral","sentiment_score":0.13437020778656006}],"sentiment":"neutral","sentiment_score":0.06399053148925304,"channel":0,"num_words":4,"start":2138.58,"end":2140.075},{"sentences":[{"text":"Yep.","start":2140.0452,"end":2140.5452,"sentiment":"neutral","sentiment_score":0.2327046245336533}],"sentiment":"neutral","sentiment_score":0.2327046245336533,"channel":1,"num_words":1,"start":2140.0452,"end":2140.5452},{"sentences":[{"text":"good thing with the underreviews and, you know, with the ongoing service is that we do this all the time because things are always changing.","start":2140.075,"end":2147.7751,"sentiment":"positive","sentiment_score":0.33627747297286986},{"text":"There's","start":2148.475,"end":2148.715,"sentiment":"neutral","sentiment_score":0.11373889446258544}],"sentiment":"neutral","sentiment_score":0.3277182968763205,"channel":0,"num_words":26,"start":2140.075,"end":2148.715},{"sentences":[{"text":"Yep.","start":2148.54,"end":2149.04,"sentiment":"neutral","sentiment_score":0.0015990454703569412}],"sentiment":"neutral","sentiment_score":0.0015990454703569412,"channel":1,"num_words":1,"start":2148.54,"end":2149.04},{"sentences":[{"text":"always changes in your life, but also in the world and the market and more so these last twelve months, really, since you came on board, there's been a lot of changes.","start":2148.715,"end":2157.04,"sentiment":"neutral","sentiment_score":-0.038012371864169836},{"text":"So","start":2157.5,"end":2157.74,"sentiment":"neutral","sentiment_score":0.01992110162973404}],"sentiment":"neutral","sentiment_score":-0.036256812061324264,"channel":0,"num_words":33,"start":2148.715,"end":2157.74},{"sentences":[{"text":"Yep.","start":2157.625,"end":2158.125,"sentiment":"neutral","sentiment_score":0.12472613900899888}],"sentiment":"neutral","sentiment_score":0.12472613900899888,"channel":1,"num_words":1,"start":2157.625,"end":2158.125},{"sentences":[{"text":"I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you.","start":2157.74,"end":2163.66,"sentiment":"neutral","sentiment_score":0.17182326844582954},{"text":"If you as long as you're happy for me to do so?","start":2163.66,"end":2166.0,"sentiment":"neutral","sentiment_score":0.2671169812480609}],"sentiment":"neutral","sentiment_score":0.20358783937990665,"channel":0,"num_words":36,"start":2157.74,"end":2166.0},{"sentences":[{"text":"Oh, yeah.","start":2165.945,"end":2166.345,"sentiment":"neutral","sentiment_score":0.1370021030306816},{"text":"Yeah.","start":2166.345,"end":2166.665,"sentiment":"neutral","sentiment_score":0.146114781498909},{"text":"Of 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you, I do wanted to check if do you read our newsletters at all, Connie?","start":2169.4648,"end":2179.085,"sentiment":"neutral","sentiment_score":0.04137693682255653}],"sentiment":"neutral","sentiment_score":0.04137693682255653,"channel":0,"num_words":26,"start":2169.4648,"end":2179.085},{"sentences":[{"text":"Nope.","start":2179.69,"end":2180.19,"sentiment":"neutral","sentiment_score":-0.0383913628757},{"text":"That's","start":2180.25,"end":2180.57,"sentiment":"neutral","sentiment_score":-0.022944394499063492}],"sentiment":"neutral","sentiment_score":-0.030667878687381744,"channel":1,"num_words":2,"start":2179.69,"end":2180.57},{"sentences":[{"text":"Nope.","start":2180.505,"end":2180.6648,"sentiment":"neutral","sentiment_score":-0.05560192093253136}],"sentiment":"neutral","sentiment_score":-0.05560192093253136,"channel":0,"num_words":1,"start":2180.505,"end":2180.6648},{"sentences":[{"text":"fine.","start":2180.57,"end":2180.81,"sentiment":"neutral","sentiment_score":0.015756232663989067}],"sentiment":"neutral","sentiment_score":0.015756232663989067,"channel":1,"num_words":1,"start":2180.57,"end":2180.81},{"sentences":[{"text":"That's","start":2180.6648,"end":2180.9849,"sentiment":"neutral","sentiment_score":-0.04587418586015701}],"sentiment":"neutral","sentiment_score":-0.04587418586015701,"channel":0,"num_words":1,"start":2180.6648,"end":2180.9849},{"sentences":[{"text":"Not too.","start":2180.81,"end":2181.47,"sentiment":"neutral","sentiment_score":-0.07791775837540627}],"sentiment":"neutral","sentiment_score":-0.07791775837540627,"channel":1,"num_words":2,"start":2180.81,"end":2181.47},{"sentences":[{"text":"okay.","start":2180.9849,"end":2181.4849,"sentiment":"neutral","sentiment_score":0.02017814479768276},{"text":"That's okay.","start":2182.025,"end":2182.845,"sentiment":"neutral","sentiment_score":0.10755959153175354},{"text":"Because I do wanted to kind of see what your thoughts are.","start":2183.97,"end":2187.89,"sentiment":"neutral","sentiment_score":0.1266906876116991},{"text":"So with superannuation, we have just very recently merged with BlackRock.","start":2187.89,"end":2195.43,"sentiment":"neutral","sentiment_score":0.04876452955332669},{"text":"Have you ever heard of them?","start":2195.895,"end":2197.2551,"sentiment":"neutral","sentiment_score":0.01736638369038701}],"sentiment":"neutral","sentiment_score":0.07488105332595296,"channel":0,"num_words":32,"start":2180.9849,"end":2197.2551},{"sentences":[{"text":"They are one of the biggest investment managers.","start":2197.2551,"end":2199.595,"sentiment":"neutral","sentiment_score":0.01025653607212007}],"sentiment":"neutral","sentiment_score":0.01025653607212007,"channel":0,"num_words":8,"start":2197.2551,"end":2199.595},{"sentences":[{"text":"Nope.","start":2200.7,"end":2201.2,"sentiment":"neutral","sentiment_score":-0.06270774453878403}],"sentiment":"neutral","sentiment_score":-0.06270774453878403,"channel":1,"num_words":1,"start":2200.7,"end":2201.2},{"sentences":[{"text":"No?","start":2201.655,"end":2202.155,"sentiment":"neutral","sentiment_score":-0.055706918239593506},{"text":"You can definitely Google them as well.","start":2202.695,"end":2204.615,"sentiment":"neutral","sentiment_score":0.022245099768042564},{"text":"They are massive.","start":2204.615,"end":2205.595,"sentiment":"neutral","sentiment_score":0.10387732585271199},{"text":"So we have actually teamed up with them to create something that's called an SMA.","start":2205.975,"end":2213.4102,"sentiment":"neutral","sentiment_score":0.1297421584526698},{"text":"So it stands for a self managed account.","start":2214.35,"end":2217.4902,"sentiment":"neutral","sentiment_score":0.05145384417846799}],"sentiment":"neutral","sentiment_score":0.0814530555268421,"channel":0,"num_words":34,"start":2201.655,"end":2217.4902},{"sentences":[{"text":"Have you ever heard of that before?","start":2219.07,"end":2220.6902,"sentiment":"neutral","sentiment_score":0.013756205194762774}],"sentiment":"neutral","sentiment_score":0.013756205194762774,"channel":0,"num_words":7,"start":2219.07,"end":2220.6902},{"sentences":[{"text":"I don't think I'll do well with self manage my own account.","start":2223.845,"end":2226.7449,"sentiment":"neutral","sentiment_score":-0.16343065537512302}],"sentiment":"neutral","sentiment_score":-0.16343065537512302,"channel":1,"num_words":12,"start":2223.845,"end":2226.7449},{"sentences":[{"text":"No.","start":2227.3901,"end":2227.815,"sentiment":"neutral","sentiment_score":-0.21887731552124023},{"text":"This one is not for you.","start":2228.055,"end":2229.595,"sentiment":"neutral","sentiment_score":-0.21032962699731192},{"text":"So","start":2230.055,"end":2230.375,"sentiment":"neutral","sentiment_score":-0.07155665755271912}],"sentiment":"neutral","sentiment_score":-0.19405146688222885,"channel":0,"num_words":8,"start":2227.3901,"end":2230.375},{"sentences":[{"text":"Oh.","start":2230.14,"end":2230.64,"sentiment":"neutral","sentiment_score":-0.026359347626566887}],"sentiment":"neutral","sentiment_score":-0.026359347626566887,"channel":1,"num_words":1,"start":2230.14,"end":2230.64},{"sentences":[{"text":"this one here yes.","start":2230.375,"end":2231.655,"sentiment":"neutral","sentiment_score":0.00745281670242548},{"text":"So it's a little bit different.","start":2231.655,"end":2232.935,"sentiment":"neutral","sentiment_score":-0.001414969563484192},{"text":"It's just called a self managed account, but I'll try not keep it as simplified as I can.","start":2232.935,"end":2238.555,"sentiment":"neutral","sentiment_score":0.04425569644404782},{"text":"The difference so your money would still be invested.","start":2238.615,"end":2240.96,"sentiment":"neutral","sentiment_score":0.048668367167313896},{"text":"It would it can still be in hub twenty four.","start":2241.1,"end":2243.44,"sentiment":"neutral","sentiment_score":0.0544224675744772}],"sentiment":"neutral","sentiment_score":0.0383013609717501,"channel":0,"num_words":47,"start":2230.375,"end":2243.44},{"sentences":[{"text":"Still the same style of investment.","start":2244.8599,"end":2246.88,"sentiment":"neutral","sentiment_score":0.06889147435625394},{"text":"The biggest difference is that at the moment, you have a model portfolio.","start":2247.5,"end":2251.955,"sentiment":"neutral","sentiment_score":0.05551940116744775},{"text":"So when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments.","start":2251.955,"end":2258.735,"sentiment":"neutral","sentiment_score":0.07688927405979484},{"text":"You know the percent that you have in each investment.","start":2259.195,"end":2262.415,"sentiment":"neutral","sentiment_score":0.094280294328928},{"text":"And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research.","start":2262.635,"end":2269.81,"sentiment":"neutral","sentiment_score":0.08592897467315197}],"sentiment":"neutral","sentiment_score":0.07724617614790245,"channel":0,"num_words":81,"start":2244.8599,"end":2269.81},{"sentences":[{"text":"I have to present everything in a new kind of statement of advice that we went through last time.","start":2269.9502,"end":2275.49,"sentiment":"neutral","sentiment_score":0.0836305714359409},{"text":"And a lot of that is for compliance and legislation, but also making sure that you","start":2276.11,"end":2280.765,"sentiment":"neutral","sentiment_score":0.05067850346677005}],"sentiment":"neutral","sentiment_score":0.0685667689357485,"channel":0,"num_words":35,"start":2269.9502,"end":2280.765},{"sentences":[{"text":"Yep.","start":2280.335,"end":2280.835,"sentiment":"neutral","sentiment_score":0.024144690483808517}],"sentiment":"neutral","sentiment_score":0.024144690483808517,"channel":1,"num_words":1,"start":2280.335,"end":2280.835},{"sentences":[{"text":"are across and understand everything.","start":2280.765,"end":2282.4648,"sentiment":"neutral","sentiment_score":0.17586727440357208}],"sentiment":"neutral","sentiment_score":0.17586727440357208,"channel":0,"num_words":5,"start":2280.765,"end":2282.4648},{"sentences":[{"text":"Yep.","start":2282.895,"end":2283.3,"sentiment":"neutral","sentiment_score":0.2577655613422394}],"sentiment":"neutral","sentiment_score":0.2577655613422394,"channel":1,"num_words":1,"start":2282.895,"end":2283.3},{"sentences":[{"text":"So 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to it.","start":2295.53,"end":2299.55,"sentiment":"positive","sentiment_score":0.4779533917705218},{"text":"The downside is that because it takes a little while to prepare all the documents, there is sometimes a bit of a delay in, obviously, us making the change because we have to put all the the documents together, run through it with you, and you have to approve it.","start":2299.61,"end":2314.235,"sentiment":"neutral","sentiment_score":-0.1365039848536253},{"text":"Does that","start":2314.235,"end":2314.635,"sentiment":"neutral","sentiment_score":0.06863558664917946}],"sentiment":"neutral","sentiment_score":-0.014882615127135068,"channel":0,"num_words":64,"start":2295.53,"end":2314.635},{"sentences":[{"text":"Yes.","start":2314.59,"end":2315.09,"sentiment":"neutral","sentiment_score":0.11654376238584518}],"sentiment":"neutral","sentiment_score":0.11654376238584518,"channel":1,"num_words":1,"start":2314.59,"end":2315.09},{"sentences":[{"text":"make sense so 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I choose the old way, I will","start":2566.8699,"end":2569.3499,"sentiment":"neutral","sentiment_score":-0.04942222349345684}],"sentiment":"neutral","sentiment_score":-0.04942222349345684,"channel":1,"num_words":10,"start":2566.8699,"end":2569.3499},{"sentences":[{"text":"Yes.","start":2569.135,"end":2569.5,"sentiment":"neutral","sentiment_score":0.010497776791453362}],"sentiment":"neutral","sentiment_score":0.010497776791453362,"channel":0,"num_words":1,"start":2569.135,"end":2569.5},{"sentences":[{"text":"just when whatever you say, I'll say, 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just for your own house?","start":3112.9702,"end":3119.31,"sentiment":"neutral","sentiment_score":-0.04153313833687987}],"sentiment":"neutral","sentiment_score":-0.04430757984519005,"channel":0,"num_words":15,"start":3112.57,"end":3119.31},{"sentences":[{"text":"Another loan.","start":3125.8152,"end":3126.7952,"sentiment":"neutral","sentiment_score":0.006570400204509497}],"sentiment":"neutral","sentiment_score":0.006570400204509497,"channel":1,"num_words":2,"start":3125.8152,"end":3126.7952},{"sentences":[{"text":"Yes.","start":3127.945,"end":3128.445,"sentiment":"neutral","sentiment_score":0.03930750861763954},{"text":"Would you or just just for your property, like your mortgage that you 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have.","start":3142.27,"end":3152.335,"sentiment":"neutral","sentiment_score":0.16277374183902374},{"text":"So from how you have answered the question, the risk you are currently in does align.","start":3152.795,"end":3162.3699,"sentiment":"neutral","sentiment_score":0.07233716500923038},{"text":"If you still want to increase it, we can as long as that you'll be comfortable.","start":3163.0698,"end":3167.8098,"sentiment":"neutral","sentiment_score":0.12896960461512208}],"sentiment":"neutral","sentiment_score":0.13824202803273997,"channel":0,"num_words":60,"start":3140.11,"end":3167.8098},{"sentences":[{"text":"But if we increase it to a high growth, what that means is that you're gonna see more fluctuations in short term, in the long term, trying to achieve high over time.","start":3167.8699,"end":3178.5352,"sentiment":"neutral","sentiment_score":0.05052158321996103},{"text":"So it depends on what you are comfortable with as well because when we are also looking at a time frame, so making sure that you have enough time in the market, in a growth portfolio, we wanna allow at least six years until you retire, whereas","start":3180.5151,"end":3197.14,"sentiment":"neutral","sentiment_score":0.14360562157123646}],"sentiment":"neutral","sentiment_score":0.10590069464413755,"channel":0,"num_words":79,"start":3167.8699,"end":3197.14},{"sentences":[{"text":"Mhmm.","start":3197.01,"end":3197.51,"sentiment":"neutral","sentiment_score":0.05552656576037407}],"sentiment":"neutral","sentiment_score":0.05552656576037407,"channel":1,"num_words":1,"start":3197.01,"end":3197.51},{"sentences":[{"text":"a high growth, eight years.","start":3197.14,"end":3198.795,"sentiment":"neutral","sentiment_score":0.19444042146205903},{"text":"So you have the time for for both, but it's also where you are comfortable with.","start":3199.355,"end":3206.075,"sentiment":"neutral","sentiment_score":0.3230043761432171},{"text":"Because if you saw your fluctuations drop in value and that would make you quite concerned, then maybe growth is suitable.","start":3206.075,"end":3217.0698,"sentiment":"neutral","sentiment_score":-0.0696845008503823},{"text":"But if you feel like, you know what?","start":3217.53,"end":3219.47,"sentiment":"neutral","sentiment_score":0.03216052148491144},{"text":"I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you.","start":3219.53,"end":3231.385,"sentiment":"neutral","sentiment_score":0.3074740657680913}],"sentiment":"neutral","sentiment_score":0.18884313953193752,"channel":0,"num_words":88,"start":3197.14,"end":3231.385},{"sentences":[{"text":"But, also, with the SMA, I can build it I can do a mix of different portfolios.","start":3238.565,"end":3245.145,"sentiment":"neutral","sentiment_score":0.3105562828919467},{"text":"So if you go, I kind of like both.","start":3245.34,"end":3249.34,"sentiment":"neutral","sentiment_score":0.2845771809418996},{"text":"I can always do a mix of in between.","start":3249.34,"end":3253.28,"sentiment":"neutral","sentiment_score":0.2758936617109511},{"text":"So in a growth, we have your eighty twenty split.","start":3253.4202,"end":3256.9602,"sentiment":"neutral","sentiment_score":0.18283291459083556},{"text":"A high growth, you","start":3257.06,"end":3258.62,"sentiment":"neutral","sentiment_score":0.2674230746924877}],"sentiment":"neutral","sentiment_score":0.2698309354636134,"channel":0,"num_words":49,"start":3238.565,"end":3258.62},{"sentences":[{"text":"Yep.","start":3258.5898,"end":3259.0898,"sentiment":"neutral","sentiment_score":0.29335013031959534}],"sentiment":"neutral","sentiment_score":0.29335013031959534,"channel":1,"num_words":1,"start":3258.5898,"end":3259.0898},{"sentences":[{"text":"have 92 ninety ten.","start":3258.62,"end":3261.085,"sentiment":"neutral","sentiment_score":0.2583051361143589},{"text":"So 90 is through those growth investments.","start":3261.385,"end":3263.9648,"sentiment":"neutral","sentiment_score":0.23669392509119852},{"text":"I can always do it where it's, like, eighty five fifteen if you wanna take a little bit more, but not fully.","start":3265.2249,"end":3273.325,"sentiment":"neutral","sentiment_score":0.10849149525165558},{"text":"Another way to kind of relook at it again is if you go back into the documents in your email there, do you see one where it says your Vanguard index chart?","start":3274.7449,"end":3283.66,"sentiment":"neutral","sentiment_score":0.03973284171661362},{"text":"Can you see that one?","start":3283.72,"end":3285.0198,"sentiment":"neutral","sentiment_score":0.022983598336577416}],"sentiment":"neutral","sentiment_score":0.09233228346066816,"channel":0,"num_words":70,"start":3258.62,"end":3285.0198},{"sentences":[{"text":"Mhmm.","start":3284.9001,"end":3285.06,"sentiment":"neutral","sentiment_score":0.043771326541900635},{"text":"Yep.","start":3285.06,"end":3285.56,"sentiment":"neutral","sentiment_score":0.07674728333950043}],"sentiment":"neutral","sentiment_score":0.06025930494070053,"channel":1,"num_words":2,"start":3284.9001,"end":3285.56},{"sentences":[{"text":"Yeah.","start":3285.96,"end":3286.46,"sentiment":"neutral","sentiment_score":0.06861425191164017},{"text":"So this one here, I think we went through this last time.","start":3286.68,"end":3290.655,"sentiment":"neutral","sentiment_score":0.05287204341342052},{"text":"It's just an updated one, but this one shows you the different 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in your high in your growth, sorry.","start":3296.575,"end":3299.455,"sentiment":"neutral","sentiment_score":0.12320140562951565},{"text":"So how you are currently invested, if you look at the top four, so The US shares, Australian shares, international shares, and the property,","start":3299.455,"end":3307.47,"sentiment":"neutral","sentiment_score":0.11545775116731723}],"sentiment":"neutral","sentiment_score":0.11737120445027496,"channel":0,"num_words":33,"start":3295.695,"end":3307.47},{"sentences":[{"text":"Yep.","start":3307.85,"end":3308.35,"sentiment":"neutral","sentiment_score":0.19516250491142273}],"sentiment":"neutral","sentiment_score":0.19516250491142273,"channel":1,"num_words":1,"start":3307.85,"end":3308.35},{"sentences":[{"text":"this this is where you currently have about 80%, and then you have 20 in the bottom.","start":3308.5698,"end":3314.43,"sentiment":"neutral","sentiment_score":0.17058734946391163},{"text":"So those are the ones that you see fluctuate the most, but 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a thing next.","start":3337.01,"end":3338.1501,"sentiment":"neutral","sentiment_score":0.12853284925222397}],"sentiment":"neutral","sentiment_score":0.12853284925222397,"channel":1,"num_words":4,"start":3337.01,"end":3338.1501},{"sentences":[{"text":"mix?","start":3338.5698,"end":3339.05,"sentiment":"neutral","sentiment_score":0.05084139108657837},{"text":"Okay.","start":3339.05,"end":3339.55,"sentiment":"neutral","sentiment_score":0.07708173990249634},{"text":"I can have","start":3339.6099,"end":3340.17,"sentiment":"neutral","sentiment_score":0.07582048326730728}],"sentiment":"neutral","sentiment_score":0.0710769161581993,"channel":0,"num_words":5,"start":3338.5698,"end":3340.17},{"sentences":[{"text":"Yes.","start":3340.05,"end":3340.55,"sentiment":"neutral","sentiment_score":0.14599138498306274}],"sentiment":"neutral","sentiment_score":0.14599138498306274,"channel":1,"num_words":1,"start":3340.05,"end":3340.55},{"sentences":[{"text":"a look at 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I will go and do the research on the SMA for you, but I will also research other options.","start":3360.33,"end":3366.75,"sentiment":"neutral","sentiment_score":0.19326207041740417},{"text":"So","start":3367.05,"end":3367.29,"sentiment":"neutral","sentiment_score":0.19804410636425016}],"sentiment":"neutral","sentiment_score":0.19348978641487302,"channel":0,"num_words":21,"start":3360.33,"end":3367.29},{"sentences":[{"text":"Yep.","start":3367.25,"end":3367.75,"sentiment":"neutral","sentiment_score":0.2833613157272339}],"sentiment":"neutral","sentiment_score":0.2833613157272339,"channel":1,"num_words":1,"start":3367.25,"end":3367.75},{"sentences":[{"text":"if it is that there's other options that's going to be better than the SMA, then I will recommend that.","start":3367.29,"end":3372.03,"sentiment":"neutral","sentiment_score":0.2450708992779255},{"text":"If the SMA is going to be better than you are currently, then I will recommend 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little bit before our next catch up if if that is something that you would would find helpful.","start":3384.0752,"end":3401.82,"sentiment":"neutral","sentiment_score":0.10487684937460082}],"sentiment":"neutral","sentiment_score":0.1112133695127128,"channel":0,"num_words":77,"start":3381.0352,"end":3401.82},{"sentences":[{"text":"Yeah.","start":3402.495,"end":3402.895,"sentiment":"neutral","sentiment_score":0.12068907916545868},{"text":"That would 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research on the investments for you.","start":3406.515,"end":3409.895,"sentiment":"neutral","sentiment_score":0.24158635620887464},{"text":"Like I said, it will take a couple of weeks for me to get all of it together.","start":3410.355,"end":3413.9749,"sentiment":"neutral","sentiment_score":0.17850391483969158},{"text":"But as soon as as soon as I have it ready, I will give you a call, and I will run through the changes.","start":3414.4348,"end":3419.62,"sentiment":"neutral","sentiment_score":0.19174566864967346},{"text":"And then we can, you know, see what we would like to 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there anything else you want me to look at for you?","start":3425.84,"end":3430.4001,"sentiment":"neutral","sentiment_score":0.13617195973270818},{"text":"Are you still happy with your insurances and the way things are set up otherwise?","start":3430.4001,"end":3434.275,"sentiment":"neutral","sentiment_score":0.13261188218990963},{"text":"It's mainly just having a bit of a look at that super for you.","start":3434.335,"end":3438.035,"sentiment":"neutral","sentiment_score":0.2974674424954823}],"sentiment":"neutral","sentiment_score":0.18210395130639276,"channel":0,"num_words":48,"start":3425.84,"end":3438.035},{"sentences":[{"text":"I guess.","start":3444.75,"end":3445.4102,"sentiment":"neutral","sentiment_score":0.15303976461291313}],"sentiment":"neutral","sentiment_score":0.15303976461291313,"channel":1,"num_words":2,"start":3444.75,"end":3445.4102},{"sentences":[{"text":"Yeah.","start":3445.855,"end":3446.355,"sentiment":"neutral","sentiment_score":0.24594558775424957},{"text":"We can always take it one one thing at a time as well so it doesn't get too much.","start":3447.1199,"end":3451.8398,"sentiment":"neutral","sentiment_score":0.27120548525923177},{"text":"So I will have a look at this.","start":3451.8398,"end":3454.0999,"sentiment":"neutral","sentiment_score":0.17625921592116356},{"text":"I will send you an email with the SMA, and I'll also incent that cash flow and budget for you.","start":3454.4,"end":3458.895,"sentiment":"neutral","sentiment_score":0.3166721373796463},{"text":"For you.","start":3458.895,"end":3459.795,"sentiment":"neutral","sentiment_score":0.1289726383984089}],"sentiment":"neutral","sentiment_score":0.2680062311887741,"channel":0,"num_words":50,"start":3445.855,"end":3459.795},{"sentences":[{"text":"Yeah.","start":3459.7249,"end":3460.2249,"sentiment":"neutral","sentiment_score":0.08765694499015808},{"text":"So do I wait for you next time before I sign the 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look a little bit different than the DocuSign did last time.","start":3501.74,"end":3506.4,"sentiment":"neutral","sentiment_score":0.018663855269551277},{"text":"So let me know how you go with the signing and if you have any issues.","start":3507.02,"end":3511.26,"sentiment":"neutral","sentiment_score":0.10597540298476815},{"text":"When you finish, it should say complete.","start":3511.26,"end":3513.705,"sentiment":"neutral","sentiment_score":0.07364982472998756}],"sentiment":"neutral","sentiment_score":0.06682295120648436,"channel":0,"num_words":37,"start":3501.74,"end":3513.705},{"sentences":[{"text":"Sorry?","start":3519.635,"end":3520.135,"sentiment":"neutral","sentiment_score":-0.03534989431500435}],"sentiment":"neutral","sentiment_score":-0.03534989431500435,"channel":1,"num_words":1,"start":3519.635,"end":3520.135},{"sentences":[{"text":"Are you going okay with with signing it?","start":3521.465,"end":3523.625,"sentiment":"neutral","sentiment_score":-0.011458673980087042},{"text":"Because it's a little bit different than the old","start":3523.625,"end":3525.72,"sentiment":"neutral","sentiment_score":-0.08035267930891779}],"sentiment":"neutral","sentiment_score":-0.04793197091887979,"channel":0,"num_words":17,"start":3521.465,"end":3525.72},{"sentences":[{"text":"I'm a IT person.","start":3528.22,"end":3529.5198,"sentiment":"neutral","sentiment_score":-0.0746931117027998}],"sentiment":"neutral","sentiment_score":-0.0746931117027998,"channel":1,"num_words":4,"start":3528.22,"end":3529.5198},{"sentences":[{"text":"system.","start":3529.4,"end":3529.9,"sentiment":"neutral","sentiment_score":-0.034653596580028534},{"text":"Oh, 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will get working on this research here for you, Connie.","start":3554.57,"end":3557.29,"sentiment":"neutral","sentiment_score":0.31770363201697666},{"text":"Like I said, I'll send you the cash flow and budget.","start":3557.29,"end":3559.4702,"sentiment":"neutral","sentiment_score":0.25147264247590845},{"text":"If you have a moment, you obviously work through it.","start":3559.6902,"end":3562.9902,"sentiment":"neutral","sentiment_score":0.24085672646760942},{"text":"If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or","start":3563.05,"end":3573.505,"sentiment":"neutral","sentiment_score":0.23827327277373384}],"sentiment":"neutral","sentiment_score":0.2538803980939768,"channel":0,"num_words":88,"start":3553.85,"end":3573.505},{"sentences":[{"text":"Okay.","start":3573.2952,"end":3573.7952,"sentiment":"neutral","sentiment_score":0.014737874269485474}],"sentiment":"neutral","sentiment_score":0.014737874269485474,"channel":1,"num_words":1,"start":3573.2952,"end":3573.7952},{"sentences":[{"text":"if there is any other areas that you wanna have a look at as well.","start":3573.505,"end":3577.445,"sentiment":"neutral","sentiment_score":0.0886820192138354}],"sentiment":"neutral","sentiment_score":0.0886820192138354,"channel":0,"num_words":15,"start":3573.505,"end":3577.445},{"sentences":[{"text":"When you oh, is that another area?","start":3578.32,"end":3580.64,"sentiment":"neutral","sentiment_score":0.025989268773368428},{"text":"I don't know what area that you actually refer to.","start":3580.64,"end":3585.94,"sentiment":"neutral","sentiment_score":-0.10373309664428235}],"sentiment":"neutral","sentiment_score":-0.05031800500172026,"channel":1,"num_words":17,"start":3578.32,"end":3585.94},{"sentences":[{"text":"So it it it can be a lot of different things.","start":3586.28,"end":3588.92,"sentiment":"neutral","sentiment_score":0.029453607784076172},{"text":"So it can be if you just want a general conversation in regards to finances, if you wanna look at different contributions into super, there's different structures for it, if you wanna look at different salary sacrifices, if you wanna look at different personal investments, so a personal investment account for you, if you wanna look at investment structures for your son, if you wanna look at a a range of different options because we are a holistic firm.","start":3588.92,"end":3621.16,"sentiment":"neutral","sentiment_score":0.18628345198834997},{"text":"So there are a lot of areas that we can provide advice 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know.","start":3652.095,"end":3652.995,"sentiment":"neutral","sentiment_score":-0.09855141118168831}],"sentiment":"neutral","sentiment_score":0.019903602451086043,"channel":1,"num_words":10,"start":3645.43,"end":3652.995},{"sentences":[{"text":"Defined.","start":3655.455,"end":3655.955,"sentiment":"neutral","sentiment_score":-0.09953934699296953}],"sentiment":"neutral","sentiment_score":-0.09953934699296953,"channel":0,"num_words":1,"start":3655.455,"end":3655.955},{"sentences":[{"text":"Like, for example, like, if I really need to buy a car either for myself or for my son,","start":3656.655,"end":3663.235,"sentiment":"neutral","sentiment_score":-0.057146610005905756}],"sentiment":"neutral","sentiment_score":-0.057146610005905756,"channel":1,"num_words":19,"start":3656.655,"end":3663.235},{"sentences":[{"text":"Yep.","start":3663.935,"end":3664.2,"sentiment":"neutral","sentiment_score":-0.039431896060705185}],"sentiment":"neutral","sentiment_score":-0.039431896060705185,"channel":0,"num_words":1,"start":3663.935,"end":3664.2},{"sentences":[{"text":"Do I just find a company, get another loan?","start":3666.43,"end":3670.7698,"sentiment":"neutral","sentiment_score":-0.11308705061674118}],"sentiment":"neutral","sentiment_score":-0.11308705061674118,"channel":1,"num_words":9,"start":3666.43,"end":3670.7698},{"sentences":[{"text":"It can so with because that's kind of a different that's more like your loan structure.","start":3672.8398,"end":3677.955,"sentiment":"neutral","sentiment_score":-0.2076591942459345},{"text":"So because I'm not a lender, I can't 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the different banks I have.","start":3860.9502,"end":3862.81,"sentiment":"neutral","sentiment_score":0.11772647606475013},{"text":"We can just do some general information on the different interests and stuff like that.","start":3864.3901,"end":3868.6301,"sentiment":"neutral","sentiment_score":0.15614550908406574},{"text":"But, again, the mortgage broker is typically the best one because they have all the rates and they have access to all of it.","start":3868.6301,"end":3875.7349,"sentiment":"neutral","sentiment_score":0.2994334840526183},{"text":"And they can say, okay.","start":3875.7349,"end":3877.015,"sentiment":"neutral","sentiment_score":0.03261936530470848},{"text":"Well, if you swap through do you know who your bank is that your mortgage is 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Financial representative named Veronica contacts Connie to discuss her recent house renovation and solar panels installation. Veronica offers to send a template for cash flow and budgeting and suggests Connie can complete the review and send an email with documents. Connie confirms her personal information and income, discusses her health and retirement plans, and emphasizes compliance and legislation for investing in gold. The speaker suggests looking at different investment structures and provides guidance on cash flow and budgeting. The speaker also explains that they cannot provide a free mortgage review but suggests consolidating credit cards and personal loans with a mortgage broker. They offer to send an introduction email and organize a call with Connie to provide advice and help with mortgage structure. The speaker will send an email with details and call back in a couple of weeks."},"intents":{"segments":[{"text":"I think it's good for anyone through kind of and, often, once you start getting a bit of a, you know, tracking on spending and where things go, it's then easier to be like, okay. Well, maybe I can cancel this subscription, or I might not need this, or maybe I can reduce a little bit here and there depending on, you know, obviously, bills and expenses like that. Yeah.","start_word":491,"end_word":560,"intents":[{"intent":"Track spending and budget","confidence_score":0.008665321}]},{"text":"There is no change because it's a percentage of your balance. As you'll see if the balance goes up, it will naturally go up, but the percentage, so that 1.65, that stays exactly the same. There's no increases or anything like that to it. Yep.","start_word":1085,"end_word":1129,"intents":[{"intent":"Inquire about changes","confidence_score":0.0066750785},{"intent":"Change balance","confidence_score":0.0012983402}]},{"text":"Now before I do jump into those documents, I will run through a bit of an updated fact find with you, Connie, just to see if there's anything major that's changed in your life that will require us to update and make potential changes to the advice.","start_word":1132,"end_word":1178,"intents":[{"intent":"Update information","confidence_score":0.09427084}]},{"text":"So just bear with me as I go through these questions. And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes? Yep.","start_word":1179,"end_word":1221,"intents":[{"intent":"Offer assistance","confidence_score":0.009095971}]},{"text":"And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes? Yep.","start_word":1190,"end_word":1221,"intents":[{"intent":"Request personal information","confidence_score":0.005788376},{"intent":"Inquire about call recording","confidence_score":0.001182166}]},{"text":"What are what are their name?","start_word":1410,"end_word":1415,"intents":[{"intent":"Confirm identity","confidence_score":0.37755638},{"intent":"Request name","confidence_score":0.049652804}]},{"text":"And last name? Oh, Do you know?","start_word":1427,"end_word":1433,"intents":[{"intent":"Ask for last name","confidence_score":0.1002013}]},{"text":"I'm not sure if she's going to change the last name, but I guess you can still use the his last name first as small, s Yep.","start_word":1442,"end_word":1468,"intents":[{"intent":"Change name","confidence_score":0.09111779}]},{"text":"I'm not sure if she's going to change the last name, but I guess you can still use the his last name first as small, s Yep. Yes.","start_word":1442,"end_word":1469,"intents":[{"intent":"Obtain information","confidence_score":0.011344465}]},{"text":"So so I'll just note just let her down just as a next step.","start_word":1580,"end_word":1593,"intents":[{"intent":"Note down date","confidence_score":0.0018356199}]},{"text":"So so I'll just note just let her down just as a next step. Kin, and, again, it's only in the event that we can't get in touch with you. She doesn't have to do anything. Yep.","start_word":1580,"end_word":1616,"intents":[{"intent":"Provide help","confidence_score":0.00027824016}]},{"text":"Now has anything changed with your occupation? Are you still working Nope.","start_word":1629,"end_word":1640,"intents":[{"intent":"Ask about occupation change","confidence_score":0.0035997706}]},{"text":"No. It's still the same. Still the same. Okay. Perfect. When it comes to savings, I think I have here about 225 a week. Does that sound about right? Sorry.","start_word":1696,"end_word":1725,"intents":[{"intent":"Confirm understanding","confidence_score":0.0068468545}]},{"text":"When it comes to savings, I think I have here about 225 a week. Does that sound about right? Sorry.","start_word":1706,"end_word":1725,"intents":[{"intent":"Inquire about savings arrangement","confidence_score":0.013853807}]},{"text":"With your assets, so I have here your property was last valued at about 650,000. Do you know if that's gone up a little bit or if it's changed? No idea.","start_word":1787,"end_word":1817,"intents":[{"intent":"Update asset value","confidence_score":0.057046644},{"intent":"Update contact information","confidence_score":0.007730463},{"intent":"Update property value","confidence_score":0.21162534},{"intent":"Update property value","confidence_score":0.18505524},{"intent":"Update property value","confidence_score":0.12964898}]},{"text":"And aside from, obviously, the solar, do you have any other, like, personal loans or credit cards or anything like that?","start_word":2056,"end_word":2076,"intents":[{"intent":"Update personal loans and credit cards","confidence_score":0.0038992916}]},{"text":"Now it doesn't have to be just financial. It can be personal goals or wanting to do some travel. Is there anything that you have that you would like to focus on in the next twelve months?","start_word":2451,"end_word":2487,"intents":[{"intent":"Focus on financial goals","confidence_score":0.020243542}]},{"text":"Is there anything that you have that you would like to focus on in the next twelve months?","start_word":2470,"end_word":2487,"intents":[{"intent":"Focus on son's financial goals","confidence_score":0.04996175},{"intent":"Focus on payment","confidence_score":0.0036705143}]},{"text":"So I'm planning to put off any traveling for this year because of his his coming Yes. expenses.","start_word":2528,"end_word":2545,"intents":[{"intent":"Put off traveling","confidence_score":0.005735122}]},{"text":"I should have find another way of have some income instead of just work. Yep. Yeah.","start_word":2597,"end_word":2612,"intents":[{"intent":"Find alternative income","confidence_score":0.10992113}]},{"text":"yeah, someone some people suggested I should buy gold. Mhmm.","start_word":2621,"end_word":2630,"intents":[{"intent":"Suggest gold buying","confidence_score":0.000031342497}]},{"text":"I I have definitely seen, know. yeah, and I have seen more self managed super funds being closed down than. And a lot of it is because it's very complex to run. There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like. But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant.","start_word":2696,"end_word":2777,"intents":[{"intent":"Highlight complexity of super fund","confidence_score":0.00024743902}]},{"text":"There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like. But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant.","start_word":2728,"end_word":2777,"intents":[{"intent":"Discuss laws and compliance","confidence_score":0.0056860945}]},{"text":"Most people go down the self managed super fund because you want to buy an investment property, or they have, like, a couple who joins their superannuation, and they have quite a lot of money in there that they want to buy a property and also have an investment portfolio and stuff like that, which it can be really great for.","start_word":2812,"end_word":2872,"intents":[{"intent":"Educate about self managed super fund","confidence_score":0.0016079074}]},{"text":"How about investment in gold? Real gold?","start_word":3277,"end_word":3283,"intents":[{"intent":"Inquire about investment strategy","confidence_score":0.0014048667}]},{"text":"If you want it from emergency saving account, for example, then that will if something were to happen, you don't have that, and then you're locked into gold. And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that.","start_word":3530,"end_word":3588,"intents":[{"intent":"Explaining use of gold","confidence_score":0.00004954383}]},{"text":"And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that.","start_word":3557,"end_word":3587,"intents":[{"intent":"Explaining price implications","confidence_score":0.0007358544}]},{"text":"Well, do you want to buy it now when the prices have increased so much already, or is it you know?","start_word":3636,"end_word":3656,"intents":[{"intent":"Discussing future purchases","confidence_score":0.014944132},{"intent":"Inquiring about potential purchases","confidence_score":0.000057807516}]},{"text":"how bad is the, like, should I like, I I don't recall what I chose, but or is there anything related to that that I should shovel around a bit, or do I need to do anything about it? What do you Yeah.","start_word":3684,"end_word":3726,"intents":[{"intent":"Recalling previous purchases","confidence_score":0.0013787647},{"intent":"Expressing confusion about purchase decision","confidence_score":0.001405448},{"intent":"Explaining potential confusion","confidence_score":0.00004258202}]},{"text":"Which is a perfect which is a perfect question, and it's very valid. And I do wanna potentially I would like to do a bit more research and and see if we wanna swap some things out.","start_word":3727,"end_word":3763,"intents":[{"intent":"Considering switching investments","confidence_score":0.000119749544},{"intent":"Expressing intent to swap things out","confidence_score":0.000019532414}]},{"text":"But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio. It shows you what's happened in last twelve months and fees and the different investments.","start_word":3764,"end_word":3813,"intents":[{"intent":"Sharing information about current investments","confidence_score":0.00046145628}]},{"text":"But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio. It shows you what's happened in last twelve months and fees and the different investments. So do you have access to that email? Now before Yeah.","start_word":3764,"end_word":3824,"intents":[{"intent":"Requesting access to emails","confidence_score":0.009665764},{"intent":"Showing portfolio breakdown","confidence_score":0.083101854},{"intent":"Inquiring about future contact information","confidence_score":0.000033990662},{"intent":"Discussing access to email","confidence_score":0.0026854854}]},{"text":"you before you click on the link where it says to sign, it should show you a couple of different attachments Yep. first. Yep. Can you Yep. see those? Yeah. Yep. Yep. Now to make it easier for you, you can tell me which order you have the document so we can go through it that way. So what do you have first?","start_word":3826,"end_word":3888,"intents":[{"intent":"Explaining process of reading documents","confidence_score":0.0000759846}]},{"text":"the service guide version one. Yes.","start_word":3895,"end_word":3900,"intents":[{"intent":"Explaining service guide version one","confidence_score":0.008080874}]},{"text":"So this one here, it breaks down your insurance in in quite a lot of detail, but it basically gives you a breakdown of your insurance policy. So it shows you your your life insurance, your total permanent disability, the income protection, the trauma. It shows you everything, and also that everything is paid up to date. Yes.","start_word":4160,"end_word":4217,"intents":[{"intent":"Educate about insurance coverage","confidence_score":0.002539531}]},{"text":"Now those three are paid from within superannuation. You do get that 15% tax rebate. So the total premium for those three are 2,881. You then have the yes?","start_word":4274,"end_word":4302,"intents":[{"intent":"Update superannuation information","confidence_score":0.003174164}]},{"text":"Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%.","start_word":4783,"end_word":4801,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.05618439}]},{"text":"And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible. Okay.","start_word":5037,"end_word":5100,"intents":[{"intent":"Change portfolio values","confidence_score":0.000009158562}]},{"text":"I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you.","start_word":5443,"end_word":5466,"intents":[{"intent":"Review superannuation","confidence_score":0.13552763},{"intent":"Review options","confidence_score":0.7829808}]},{"text":"Now while we are while while I am reviewing superannuation for you, I do wanted to check if do you read our newsletters at all, Connie? Nope.","start_word":5488,"end_word":5514,"intents":[{"intent":"Check newsletters","confidence_score":0.5600145}]},{"text":"So with superannuation, we have just very recently merged with BlackRock. Have you ever heard of them?","start_word":5536,"end_word":5552,"intents":[{"intent":"Discuss merged account","confidence_score":0.012922741}]},{"text":"I don't think I'll do well with self manage my own account. No.","start_word":5603,"end_word":5615,"intents":[{"intent":"Discuss self-management","confidence_score":0.009363363}]},{"text":"The biggest difference is that at the moment, you have a model portfolio. So when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments. You know the percent that you have in each investment. And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research.","start_word":5677,"end_word":5751,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.20145023}]},{"text":"are across and understand everything. Yep.","start_word":5789,"end_word":5794,"intents":[{"intent":"Understand documents","confidence_score":0.06033613}]},{"text":"So because of that, it obviously takes a little bit to prepare all the documents and put everything together for you. You have to sign the documents to say that you are happy with the change, and then we can go ahead and make the Yep. change. Yep.","start_word":5794,"end_word":5841,"intents":[{"intent":"Organize changes","confidence_score":0.0004638657}]},{"text":"Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you?","start_word":6164,"end_word":6203,"intents":[{"intent":"Make changes","confidence_score":0.007497433},{"intent":"Recommend different model","confidence_score":0.0061776205}]},{"text":"Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you? What what do you what would you be more comfortable with, and what do you prefer?","start_word":6164,"end_word":6219,"intents":[{"intent":"Support customer preferences","confidence_score":0.000015579777}]},{"text":"Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you? What what do you what would you be more comfortable with, and what do you prefer? That's a very interesting question. Yeah.","start_word":6164,"end_word":6225,"intents":[{"intent":"Discuss investment options","confidence_score":0.006478377}]},{"text":"That's a very interesting question. Yeah.","start_word":6219,"end_word":6224,"intents":[{"intent":"Seek advice on risk management","confidence_score":0.0000025848544}]},{"text":"And there's no right answer. And irrespective, I have to go and do the research. I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position.","start_word":6225,"end_word":6261,"intents":[{"intent":"Advise on changes","confidence_score":0.005249982}]},{"text":"And there's no right answer. And irrespective, I have to go and do the research. I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position. And at all points in times, have to take you know, put your interest above anything else.","start_word":6225,"end_word":6278,"intents":[{"intent":"Advise on flexibility","confidence_score":0.004178697}]},{"text":"I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position.","start_word":6240,"end_word":6261,"intents":[{"intent":"Follow best interest duty","confidence_score":0.6225172}]},{"text":"But it also comes down to preference because I can build different portfolios outside this new model and still do, you know, a similar concept.","start_word":6279,"end_word":6303,"intents":[{"intent":"Build portfolios","confidence_score":0.1893295}]},{"text":"It just means that it's a little bit slower with making change.","start_word":6304,"end_word":6315,"intents":[{"intent":"Apologize for delay","confidence_score":0.006905167}]},{"text":"You can see exactly the I see it more about trust instead of any of those. So the liability is still the same. Like 100%. Yes.","start_word":6400,"end_word":6425,"intents":[{"intent":"Advise on transparency","confidence_score":0.008973046}]},{"text":"The the rules of legislation protecting you is the same. It's it's that's the law. It's just a different way of doing the investment. If you prefer to kind of stick with the old model and any changes, I'll give you a call and run through it together, then I'm more than happy to stick with that if you would be a bit more comfortable with it because we can still achieve a very good outcome.","start_word":6426,"end_word":6501,"intents":[{"intent":"Ensure consistency","confidence_score":0.01108069}]},{"text":"Of course, I will understand there will be impacts if Yes. the things happen around the world and Yes. but because I don't follow any of those Yep. markets, I will not know who will Yes. be the best. Yes.","start_word":6623,"end_word":6662,"intents":[{"intent":"Explain impact on market and stocks","confidence_score":1.5241237e-7},{"intent":"Explain benefits of investing in markets","confidence_score":0.008488543}]},{"text":"the the the SMA is good in that way that if something like, if because we obviously do research all the time.","start_word":6680,"end_word":6701,"intents":[{"intent":"Explain sma's importance","confidence_score":0.00035107767}]},{"text":"So we have a big investment committee and join with BlackRock now, which is great.","start_word":6702,"end_word":6716,"intents":[{"intent":"Explain investment committee","confidence_score":0.0053475704},{"intent":"Discuss investment committee's role","confidence_score":0.0005972299},{"intent":"Explain role of investment committee and blackrock","confidence_score":0.0007448191},{"intent":"Explain investor's role of investment committee","confidence_score":7.008762e-8}]},{"text":"So we have a big investment committee and join with BlackRock now, which is great. So if we, for example, foresee something changing, because the stock market can fluctuate so much now we don't wanna day trade your super. That is the purpose.","start_word":6702,"end_word":6744,"intents":[{"intent":"Describe investment committee's involvement in market change","confidence_score":0.000002755918}]},{"text":"It is your long term investment.","start_word":6745,"end_word":6750,"intents":[{"intent":"Explain purpose of investment","confidence_score":0.26991412}]},{"text":"So we could do that very quickly for you and then let you know we'll still send you documents and say, hey. Just letting you know we've made this change for you. This is the reasons why we believe it's better.","start_word":6826,"end_word":6866,"intents":[{"intent":"Explain implementation of investment plan","confidence_score":0.0000069582143},{"intent":"Explain benefits of fast investment","confidence_score":0.00016574933}]},{"text":"And, again, all the the trust, the compliance, making that you are always put above everything else, that is the law.","start_word":6867,"end_word":6887,"intents":[{"intent":"Express belief in trust in compliance","confidence_score":0.00004776275}]},{"text":"So So the it is portfolio, yes. It is it that still It it the same portfolio If It I go for SMA, or is that completely different portfolio? it we have different ones.","start_word":6961,"end_word":6994,"intents":[{"intent":"Review portfolios","confidence_score":0.000963678}]},{"text":"I'll try to refill some of this to not waste your time and make it quicker.","start_word":7337,"end_word":7352,"intents":[{"intent":"Refill and refill","confidence_score":0.035504714}]},{"text":"At the moment, are you still planning on maybe accessing Super at 65? Is that still kind of the plan?","start_word":7353,"end_word":7372,"intents":[{"intent":"Obtain super super plan","confidence_score":0.0018946236}]},{"text":"And are you still hoping to be able to draw an income of about $1,500 per week? Do you think that's still kind of, you know, achievable? Would that cover your bills and expenses if you take 1,500 per week, or would you need a bit more?","start_word":7398,"end_word":7444,"intents":[{"intent":"Draw income","confidence_score":0.5076956}]},{"text":"So we kind of talked about this a little bit with everything getting more expensive.","start_word":7497,"end_word":7511,"intents":[{"intent":"Discuss inflation","confidence_score":0.01636193}]},{"text":"So if you think of superannuation alone, so only think of superannuation for these questions, how much risk would you be willing to take in order to tryna keep up with the rising prices, making sure that you stay on top of the the increase in prices in your superannuation, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk? The risk sorry.","start_word":7512,"end_word":7585,"intents":[{"intent":"Consider superannuation","confidence_score":0.039004866}]},{"text":"The risk sorry.","start_word":7583,"end_word":7585,"intents":[{"intent":"Consider high risk","confidence_score":0.07213264}]},{"text":"And if you notice that your superannuation dropped by 20% in a six month period. Not because of a bad investment, just kind of the market as we as a whole, which which we have seen recently doing a little bit of fluctuations.","start_word":7617,"end_word":7659,"intents":[{"intent":"Reflect on price fluctuations","confidence_score":0.0017930298}]},{"text":"Would you say that you would want to, if you had the option, invest a little bit more money while the prices are down, or would you kind of hold just wait and see what happens in the market, or would you want to sell out and then move to something a little bit safer? They're a bit tricky. Maybe invest. Invest?","start_word":7661,"end_word":7722,"intents":[{"intent":"Discuss investing options","confidence_score":0.0059702857}]},{"text":"I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you.","start_word":8119,"end_word":8156,"intents":[{"intent":"Decide portfolio growth","confidence_score":0.003223419}]},{"text":"If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or Okay.","start_word":9097,"end_word":9151,"intents":[{"intent":"Schedule meeting","confidence_score":0.030229392}]},{"text":"So there are a lot of areas that we can provide advice on depending on what you want.","start_word":9274,"end_word":9291,"intents":[{"intent":"Provide advice","confidence_score":0.01584871}]},{"text":"So if there is anything to do with your finances that you want assistance or guidance with or even, you know, cash on budget and stuff like that, Does that clarify anything, or does that make sense? That's quite broad.","start_word":9292,"end_word":9331,"intents":[{"intent":"Discuss finances","confidence_score":0.34733844}]},{"text":"So if you would like me to, I'd be more than happy to organize our mortgage broker to give you a call and kind of assess things for you because they can do a bit of a a review of your mortgage structure with the banks and stuff like that because they have access to all the rates of what you are getting on the banks, but then also a comparison of if there's administration fees and stuff like that that you are paying.","start_word":10034,"end_word":10117,"intents":[{"intent":"Analyze mortgage services","confidence_score":0.000046336452}]},{"text":"If you think of anything else during the meantime, you can always send me an email or or give me a call, and, we can always book in a catch up whenever you want to if there is anything else that that pops up, that you need help with as well. Sure.","start_word":10486,"end_word":10537,"intents":[{"intent":"Schedule call","confidence_score":0.02854769}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hello?","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.02845955640077591},{"text":"Good afternoon, Connie.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.33856451511383057},{"text":"It's Veronica from Financial.","start_word":6,"end_word":9,"sentiment":"neutral","sentiment_score":0.2845380902290344},{"text":"How are I'm good.","start_word":10,"end_word":13,"sentiment":"positive","sentiment_score":0.48330214619636536},{"text":"How are you? you? Good. Haven't How heard are you? from you for a while. I know. It's been some time. You've I been okay? know. Have you enjoying your new house? Yes. Very much sorry, which is good. Comes with a lot more bills. Yes. But it's no.","start_word":14,"end_word":62,"sentiment":"neutral","sentiment_score":0.03757891058921814},{"text":"It's been really good. It's nice to Oh, have your great. your own place, which is nice.","start_word":63,"end_word":79,"sentiment":"positive","sentiment_score":0.489885151386261},{"text":"Yes. Yeah. And how have you been? Financial distress. Yeah. I'm sure everyone I mean is. yeah. Just because, obviously, like, inflation and prices and or is there anything specific that's happened? Yeah. And also my house, like, getting old and things falling apart, and I need to fix them. Do some renovation. Yep. Yeah. And you install some solar panels as well? Yes. Yep. Perfect. Hopefully, did they say, like, the turnaround time for when they think they'll start, like, saving and stuff like that as well? I'm not sure. My 16 No? year old cost me a lot of money. Yes. At least solar will be good in hopefully Yes. saving a bit on the electricity. Yeah. I hope Yeah. so. Yeah. We have solar in our house as well. And with the the bills, especially during the day, like, in summer and stuff, if it gets really hot, it barely costs anything. And I and I try to be mindful of, you know, doing washing and dishwasher and everything like that during the day, even on, like, the weekend and stuff to try to bring down the cost as well, Yep.","start_word":80,"end_word":273,"sentiment":"neutral","sentiment_score":0.07809914648532867},{"text":"which is which is helping. So, hopefully, that Yep. will start make making a bit of a difference for you as well.","start_word":274,"end_word":295,"sentiment":"positive","sentiment_score":0.44373899698257446},{"text":"Well, I know. But, you know, teenagers, if you Yes. still remember. Yes. So he's learning, driving, and almost finished, and then he will try to get his p plate. And once get the p plate, and, of course, they will demand a car. And then once there's a car, there's more insurance and more Yep.","start_word":296,"end_word":351,"sentiment":"neutral","sentiment_score":0.025411122611590793},{"text":"And being young, it can be a bit more expensive too as a young male, potentially.","start_word":352,"end_word":367,"sentiment":"negative","sentiment_score":-0.3392500877380371},{"text":"obviously, single child, they Yeah. don't care, and they they will just ask mom. Mom. Mom. Yes. Yes. Mom. So Very I'm much not so. sure about this this I don't know. Oh, yeah. How See can I see get how the money it goes. thing? Yeah. Now, Connie, did I ever send you a a bit of a cash flow and budget last time, or do you think that will be something that would be helpful for you? No. Because I realized that I don't budget. Yep. Okay. That is probably most people to be fair are the same. So what I will do and, again, there's no pressure.","start_word":368,"end_word":477,"sentiment":"neutral","sentiment_score":-0.02023858018219471},{"text":"You can take your time. I do think it's usually a good way. I think it's good for anyone through kind of and, often, once you start getting a bit of a, you know, tracking on spending and where things go, it's then easier to be like, okay.","start_word":478,"end_word":525,"sentiment":"positive","sentiment_score":0.4727776646614074},{"text":"Well, maybe I can cancel this subscription, or I might not need this, or maybe I can reduce a little bit here and there depending on, you know, obviously, bills and expenses like that. Yeah. So what I will do is I will just send you by email. It is an Excel workbook.","start_word":526,"end_word":578,"sentiment":"neutral","sentiment_score":0.11144367605447768},{"text":"It is just like a a template just a general template for cash flow and budgeting, and it is a good starting point. And it is pretty self explanatory as well.","start_word":579,"end_word":609,"sentiment":"positive","sentiment_score":0.3529205322265625},{"text":"You can put in as much or as little, obviously, depending on the household.","start_word":610,"end_word":623,"sentiment":"neutral","sentiment_score":0.3115272521972656},{"text":"And it is a good way to get started on kind of tracking everything.","start_word":624,"end_word":637,"sentiment":"positive","sentiment_score":0.4417574107646942},{"text":"And then we can always work together that if it is that you completed and you don't really know what to do or if there's area where you struggle, you can always just let me know. We can always book in a catch up and go through it to be like, okay. Is there any areas we can, you know, change things a little bit if it is making it hard cash flow wise with expenses?","start_word":638,"end_word":713,"sentiment":"neutral","sentiment_score":0.18964804708957672},{"text":"If you are on top of everything, I still think it's a really good good thing for everyone to do at some point because it gives you more awareness of things. Yeah. And I, like, I think it helps me as well. I budget quite a bit, and I think it's really helpful, but I recommend it to all my friends as well. It is a good just, like, awareness. So even if it's like you're in a really good position, it's still good to be like, okay.","start_word":714,"end_word":801,"sentiment":"positive","sentiment_score":0.6764802932739258},{"text":"Well, maybe I'm spending a little bit more in this area or, you know, maybe I have a little bit of extra. Okay. What do I wanna do with that money? So it is a good thing to do, but there's no obviously time. So I will email that to you. And then whenever you have a moment, if it is something that you want to do, then have a have a go at completing it through best of your ability. And then you can always email it back to me, and we can always book in another catch up to run through it if you would like. Yep. Okay. So but, again, obviously, no pressure on time. It's just when I know life gets in the way all the time. So just whenever you want to, if it is something that would be helpful. Yep. That's Yeah. alright. Yep. Mhmm. Now, Connie, what I have done, because this is your first annual review as well, is that I have just sent you an email with some documents to run through today if you have the option of accessing your email. Is that something you have access to or not really? I'm already thinking finding it. Should I find it? Just later. I just wanna run through it with you first just to make sure sure you're happy with everything and you don't have any questions. Then I'll ask you to do it, but I'll just run through it with you first just to make sure, you know, you are happy with everything before I do get you to Yeah. The sign advisor it. Mhmm. seems increased. Percentage stays exactly the same. There is no change because it's a percentage of your balance. As you'll see if the balance goes up, it will naturally go up, but the percentage, so that 1.65, that stays exactly the same. There's no increases or anything like that to it. Yep. Oh, Yeah. okay. Now before I do jump into those documents, I will run through a bit of an updated fact find with you, Connie, just to see if there's anything major that's changed in your life that will require us to update and make potential changes to the advice. So just bear with me as I go through these questions. And just before I do go any further, with your personal information, I just want to confirm that you're happy for these calls to be recorded for quality and coaching purposes? Yep. That's fine. Yep.","start_word":802,"end_word":1224,"sentiment":"neutral","sentiment_score":0.13607163230578104},{"text":"Perfect.","start_word":1225,"end_word":1225,"sentiment":"positive","sentiment_score":0.5486780405044556},{"text":"And even though I can hear that it is you, just for security purposes as well. Yep. Tony Tanker, Inc. The second Yes. 01/19/7435 Yep. Collingwell Circuit, Pimpama 4209. Perfect. You know the drill.","start_word":1226,"end_word":1259,"sentiment":"neutral","sentiment_score":0.10513781011104584},{"text":"That's good.","start_word":1260,"end_word":1261,"sentiment":"positive","sentiment_score":0.44814854860305786},{"text":"Yep. Now has anything changed in your personal life? I have you down here marital status. Obviously, single with one financial dependent. Yep. Yep. Perfect. Now I did realize here that, excuse me, we don't actually have a next of kin on file for you. So that can be anybody, and it's just in the event that we can't contact you who is someone that we could call, and it's only if we can't get in touch with I don't think there is reason to call my son. you. Okay. Yep. He won't It be can knowing be what he won't be able to know what to do. okay. That it can it can be anyone. It can be family. It can be a good friend, sibling. It can be anybody, because this is just Can I a put a my friend, please? yes. Of course. You can. What are what are their name? Nicholene, n I c o Yep. l e n e. Yep. And last name? Oh, Do you know? she's going to get married this Saturday. Oh. I'm not sure if she's going to change the last name, but I guess you can still use the his last name first as small, s Yep. Yes. m a l.","start_word":1262,"end_word":1472,"sentiment":"neutral","sentiment_score":-0.028084098798403807},{"text":"Perfect.","start_word":1473,"end_word":1473,"sentiment":"positive","sentiment_score":0.34923017024993896},{"text":"And phone number? 0404 O four zero four. Yep. 344 Three four four. Yep. 289. 289. Perfect.","start_word":1474,"end_word":1490,"sentiment":"neutral","sentiment_score":0.06599511206150055},{"text":"And Oh, that's they are exciting. your company clients anyway.","start_word":1491,"end_word":1500,"sentiment":"positive","sentiment_score":0.5451923608779907},{"text":"Yes. I do I'd I I thought sorry. But just for security, I just wanted to make sure Yeah. we Yeah. have Yeah. the I same know. the Yeah. same number. Yeah.","start_word":1501,"end_word":1532,"sentiment":"neutral","sentiment_score":0.03717360645532608},{"text":"But that's very exciting with the wedding.","start_word":1533,"end_word":1539,"sentiment":"positive","sentiment_score":0.5295383334159851},{"text":"Is that is it local? Yes. Yes. Yeah. Yeah. Oh, well, That's hopefully, a small the weather one. yeah. Well, hopefully, the weather will turn out nice because we're rain raining a lot here Yeah. Yeah. I hope so. lately. So so I'll just note just let her down just as a next step. Kin, and, again, it's only in the event that we can't get in touch with you. She doesn't have to do anything. Yep. It's just just, yeah, for some reason if we can't. Yep. Yep. Now has anything changed with your occupation? Are you still working Nope. at the hospital as a nurse? Nope. Yep. I'm Perfect. still in this. Perfect. Now with your income, I know, obviously, it fluctuates roughly fluctuates. Mhmm. But I had down around the 80,000, and then last financial year, it was around 110. Do you know roughly if that's the same or has it changed? Yeah. No. It's still the same. Still the same. Okay. Perfect. When it comes to savings, I think I have here about 225 a week. Does that sound about right? Sorry. What is what was that? Went like a a weekly savings. So how much money you put aside after bills and Yep. Do my best. Yep. expenses? Yeah. Perfect. Now still same arrangement, obviously, with your contributions. I had a look at your salary sacrifice as well. It's gone up about $4 a fortnight, so that's good. So I'll update that. With your assets, so I have here your property was last valued at about 650,000. Do you know if that's gone up a little bit or if it's changed? No idea. No. That's okay. Mortgage, you have about 217. Does that sound about right? I think now it's around 200.","start_word":1540,"end_word":1836,"sentiment":"neutral","sentiment_score":0.04766748183303409},{"text":"Oh, that's perfect. That's good.","start_word":1837,"end_word":1841,"sentiment":"positive","sentiment_score":0.5502151250839233},{"text":"I'll update that. You also have the the motor vehicle, the Honda at about 12,000. No. I got a car crash in May Oh, last no. year. It's Goodness. got written You're off. you okay? Yeah. My Yeah. son was in the car luckily. He was alright. Yeah. Okay. Well, that's It good. was I'm hitting glad. his thigh anyway. Oh, jeez. Well, I'm glad you guys are okay. Yeah. So Did now you my get car is a secondhand Hyundai I no. Hyundai Accent Sport. perfect. And do you know how much it would be worth or how much Oh, it's only around I bought it a fine you bought 14,000. it for? Okay. Perfect. Something like that. Yeah. No. That's perfect. And you don't have any, like, payment plan or anything on the car? No. It's insurance No. payout covered, the car. Perfect. Oh, that's good. I also have here that you have an offset account Yep. of around 56,000. Yep. Yep. And then 10,000 in an emergency savings account as well. Yep. Yep. Perfect. Now do have any other new assets, like, the last twelve months? Any motorbikes or boats or anything else? I wish. Maybe in Yeah. my dream. Maybe if you win the lottery. Yes. Exactly. I'm waiting. Yeah. And aside from, obviously, the solar, do you have any other, like, personal loans or credit cards or anything like that? Nope. Still no credit No. Great. card. Yeah. The solar hasn't installed yet, so the the payment hasn't started yet. Okay.","start_word":1842,"end_word":2097,"sentiment":"neutral","sentiment_score":0.04725790173688438},{"text":"Perfect.","start_word":2098,"end_word":2098,"sentiment":"positive","sentiment_score":0.4267318844795227},{"text":"Do you know when it's kind of due to Well, they set March 31 to install. start? Okay. Yep. And then probably shortly after that. Now health and lifestyle wise, still a nonsmoker? Yes. We'll Yes. never pick up. Don't worry. Oh, I'm the same. No. Not not going to drink. Not going to smoke. Yep. No. I'm the same. Yep. Any other changes to your health otherwise? Any new medications or any any other issues or anything? Oh, no. Just trying No? some collagen powder.","start_word":2099,"end_word":2184,"sentiment":"neutral","sentiment_score":0.004781662952154875},{"text":"They didn't really work.","start_word":2185,"end_word":2188,"sentiment":"negative","sentiment_score":-0.33446237444877625},{"text":"Oh, beautiful. That's good. Just for general kind of health and Yeah. well-being.","start_word":2189,"end_word":2201,"sentiment":"positive","sentiment_score":0.4216805398464203},{"text":"Yeah.","start_word":2202,"end_word":2202,"sentiment":"neutral","sentiment_score":0.2584657669067383},{"text":"Oh, that's nice.","start_word":2203,"end_word":2205,"sentiment":"positive","sentiment_score":0.4633646309375763},{"text":"And, Conner, do you have private health insurance? Yep. Still with Bupa. Yep. Perfect. Still the same. Yep.","start_word":2206,"end_word":2223,"sentiment":"neutral","sentiment_score":0.09134546667337418},{"text":"Great.","start_word":2224,"end_word":2224,"sentiment":"positive","sentiment_score":0.3902321457862854},{"text":"Now when it comes to estate planning, I have here that you you have a will in place. And last time we spoke, you kind of had it recently updated. Does that It ring might a bell? be a a while. Might be a while. Yep. Do you think it needs updating, or has nothing really major changed? Nothing really changed. No. Okay. So Perfect. yeah. Now when it comes to your superannuation and your insurances, I do have here that you have Hayden nominated Yep. at a 100%. That's Yep. correct? Yep. Yep. Perfect. And are you involved in politics as well? Are you politically exposed by any chance? No. No? Perfect. No. And do you earn any income overseas at all? I wish. No. Nope. Perfect. Now that was basically all of those personal details I needed to go through. Okay. And, otherwise, what we do kind of focus on and set for the next twelve months is just some goals that you are working to with, and then we can kind of help together working on them.","start_word":2225,"end_word":2404,"sentiment":"neutral","sentiment_score":0.07466711103916168},{"text":"And then next under review is a good kind of checking point to see, well, how did you went with those goals the last twelve months, or if anything has changed.","start_word":2405,"end_word":2435,"sentiment":"positive","sentiment_score":0.39570003747940063},{"text":"So for the next twelve months, is there any goals that you are working towards? Now it doesn't have to be just financial. It can be personal goals or wanting to do some travel. Is there anything that you have that you would like to focus on in the next twelve months? Mainly, it's relate to my son because as I said, my need to get a very cheap Yeah. car, so another Yep. finance, Yep. Yep. and see how he goes with his year 12 results, I guess. Yep. Yep. Yep. So I'm planning to put off any traveling for this year because of his his coming Yes. expenses. So, Yep. Yep. yeah, no Just traveling. No. That's okay. And aside from from that, are you still kind of just focusing on gradually paying down the mortgage otherwise? Is that still kind of a Yes. But the goal? Yep. the work colleagues lately has been talking a lot about Mhmm. I should have find another way of have some income instead of just work. Yep. Yeah. Yeah. Just kind So, of a secondary. Mhmm. yeah, someone some people suggested I should buy gold. Mhmm. And, also, some people said if I have super over 200 something, then maybe I can think of doing what's that called again? At Self Note Superfund? Yeah. That's right. Yes. And with the self managed super fund, there is a lot of there is a lot of talks around it. And for some clients, it can be great. It's not for everyone. And Yes. I I have definitely seen, know. yeah, and I have seen more self managed super funds being closed down than. And a lot of it is because it's very complex to run. There is a lot of legislation and compliance on you as the owner of the super fund, so you would have complete control of it, which some people like.","start_word":2436,"end_word":2756,"sentiment":"neutral","sentiment_score":0.036194510757923126},{"text":"But for a lot of people, it's also very daunting because you need to also make sure that everything stays compliant.","start_word":2757,"end_word":2777,"sentiment":"negative","sentiment_score":-0.375075101852417},{"text":"You will have to have, like, an accountant to do all the auditing and and stuff like that.","start_word":2778,"end_word":2795,"sentiment":"neutral","sentiment_score":-0.2210758477449417},{"text":"So it is quite complex, and it's a lot more costly than your traditional superannuation.","start_word":2796,"end_word":2810,"sentiment":"negative","sentiment_score":-0.5102410316467285},{"text":"Yep. Most people go down the self managed super fund because you want to buy an investment property, or they have, like, a couple who joins their superannuation, and they have quite a lot of money in there that they want to buy a property and also have an investment portfolio and stuff like that, which it can be really great for.","start_word":2811,"end_word":2872,"sentiment":"neutral","sentiment_score":0.2681553363800049},{"text":"Often, when I look at it, a lot of the cost and fees are very high.","start_word":2873,"end_word":2888,"sentiment":"negative","sentiment_score":-0.43925240635871887},{"text":"And then you also have to worry about, okay. Well, if I put it in a property, is everything into that property?","start_word":2889,"end_word":2910,"sentiment":"neutral","sentiment_score":-0.23448458313941956},{"text":"So if I need to draw some money out, everything's locked into the property, it will make it a bit difficult, and, you know, everything is into one asset. So if something were to happen to one particular asset, it's obviously a lot higher risk of something fluctuating than the way that things are structured at the moment where you have, you know, money in a lot of different different things. So if something happens to one thing, you have other things to kind of balance it out.","start_word":2911,"end_word":2998,"sentiment":"negative","sentiment_score":-0.4510634541511536},{"text":"Of course. Yeah. And with ASIC as well, so they say that to even make it kind of worthwhile just from a fee point of view, and it's not necessarily a property, just from a fee point of view in regards to a self managed super fund. They don't suggest anyone under 250,000 for self managed super fund, and some industry experts even says closer to 500 from a fee point of view. So if if the goal is adjust my property, that is an avenue to explore. If the goal is to grow it as much as you can, have as much money as you can, and then draw an income from your superannuation between obviously now and when you want to retire, it's not always the best avenue. So it kind of depends on everyone's situation, but I'll make a little note that, you know, it's something that maybe you want to explore through time. But I think right now from where the super balance is, I think the fees would be too much to warrant to warrant to warrant it. But if it is something that you are, like, very adamant about or you call me like, no. I do really want it, then we do have the capacity to do the research and stuff like that. But it is a Oh, lot more I'm definitely not costly. at the moment. Okay.","start_word":2999,"end_word":3233,"sentiment":"neutral","sentiment_score":0.03819924929040543},{"text":"Good.","start_word":3234,"end_word":3234,"sentiment":"positive","sentiment_score":0.3661779165267944},{"text":"If it is that you change your mind, though, you know, just let me know, and we can know it's explored. But I think from, obviously, your goals and where things are at, I don't think it's the right avenue right now. How about investment in gold? Real gold? So yes and no. It is it is a good investment because it's more of your defensive investment. But at the same time, the prices are so high at the moment that Yeah. if you are buying it now, you've kind of also lost a little bit of that growth because it's it's very, very high at the moment, which is great if you bought in early. So in your superannuation, I know. we we I missed have it. gold we have gold in your superannuation as part of your portfolio, which is great. So you already have a bit of gold included in that. If you are buying a lot of it now, it's you know, the prices are quite high. Mhmm. And then, also, you'd wanna make sure you're not true what what the goals are, or you don't wanna be too concentrated into the one area, Yeah. and if if it's a matter of drawing income and stuff like that. So we do have some clients who just wants to go invest a little bit themselves, which is obviously perfectly fine. If it is specific, you know, research reports and stuff like that, we have access to all of it.","start_word":3235,"end_word":3486,"sentiment":"neutral","sentiment_score":0.03756240755319595},{"text":"I'm more than happy to send you everything.","start_word":3487,"end_word":3494,"sentiment":"positive","sentiment_score":0.5589707493782043},{"text":"But, ultimately, it's also thinking of it from from a whole holistic point of view that, you know, if how much do you wanna invest? Where do you want that money to come from? If you want it from emergency saving account, for example, then that will if something were to happen, you don't have that, and then you're locked into gold. And if you're buying it now, the prices are quite high, or even in your offset account because that's used towards offsetting the interest, and now you're earning more from that.","start_word":3495,"end_word":3587,"sentiment":"neutral","sentiment_score":0.09486726695491422},{"text":"So it it's not like, gold as as itself is a very good defensive investment and is a good base to have to it portfolio, but it also has a place.","start_word":3588,"end_word":3618,"sentiment":"positive","sentiment_score":0.4568798840045929},{"text":"And like I said, right now, it is quite high. So then the thought is also, okay. Well, do you want to buy it now when the prices have increased so much already, or is it you know? So for current what happened at Middle East, the investment of But my that's her super. Is that right? yes. Yes. Yes. Yes. Correct. Yes. How Yep. how bad is the, like, should I like, I I don't recall what I chose, but or is there anything related to that that I should shovel around a bit, or do I need to do anything about it? What do you Yeah.","start_word":3619,"end_word":3726,"sentiment":"neutral","sentiment_score":-0.08253906667232513},{"text":"Which is a perfect which is a perfect question, and it's very valid.","start_word":3727,"end_word":3739,"sentiment":"positive","sentiment_score":0.4449762105941773},{"text":"And I do wanna potentially I would like to do a bit more research and and see if we wanna swap some things out. But what I will like to do is if you have access to your emails, I'll actually want to go through and show you a bit of a breakdown, and it shows you the portfolio. It shows you what's happened in last twelve months and fees and the different investments. So do you have access to that email? Now before Yeah. Yeah. you before you click on the link where it says to sign, it should show you a couple of different attachments Yep. first. Yep. Can you Yep. see those? Yeah. Yep. Yep. Now to make it easier for you, you can tell me which order you have the document so we can go through it that way. So what do you have first? What Oh, can the you see? the service guide version one. Yes. So I won't get you to open that one and the financial services guide because it's one of those do you remember that, guide when you came in for your initial consultation that we went through that had our photos and you had the oak tree and, you know, the service, the one that you took home, with Yep. you. Yeah. Yep. So it's just an updated version of that one for you.","start_word":3740,"end_word":3973,"sentiment":"neutral","sentiment_score":0.0932378308672426},{"text":"So we've had a bit of an extension to the team, which is nice.","start_word":3974,"end_word":3987,"sentiment":"positive","sentiment_score":0.48326441645622253},{"text":"But when you have a moment, have a look through them. We've had a bit of an we've introduced kind of marketing material as well.","start_word":3988,"end_word":4012,"sentiment":"neutral","sentiment_score":0.24207982420921328},{"text":"So you'll see it has a little bit of a revamp to it, which is nice, and you will see a a bigger extension to our team.","start_word":4013,"end_word":4039,"sentiment":"positive","sentiment_score":0.44377270340919495},{"text":"Otherwise, it is quite similar to the the old one. It's just an updated version. Yeah. Yep. So all that information is there if you do wanna have a read over it. But it's quite long, so I won't go through all of that with you again. Now what's the next one there for The financial services you? guide. Okay. Yep. That one is very similar to that one again. We just have two two copies. One's a smaller version, so I'll get you to skip that one as well for me. And then which one do you have? Yep. Yes. Yep. If you can o yep. If you can open that one for me. And let me know. Yep. So this one here, it breaks down your insurance in in quite a lot of detail, but it basically gives you a breakdown of your insurance policy. So it shows you your your life insurance, your total permanent disability, the income protection, the trauma. It shows you everything, and also that everything is paid up to date. Yes. So with your Neos insurances, you do have let me just see here if I get it loaded. For your life and total permanent disability, Yep. you have that 250,000 lump sum Yep. for your income protection. You do have a monthly payment of $4,666, Yes. a thirty day waiting period, two year benefit period. Now those three are paid from within superannuation. You do get that 15% tax rebate. So the total premium for those three are 2,881. You then have the yes? You Yep. following Yep. so far? Yep. Yep. You then also have your trauma cover. Yep. That's right. So I've yep. been paying. Yep. Yes. So you have that 50,000 as well if something were to happen. Yep.","start_word":4040,"end_word":4339,"sentiment":"neutral","sentiment_score":0.07847719299296538},{"text":"Correct. And this one here basically shows you that everything is paid up to date, and that's all in force.","start_word":4340,"end_word":4359,"sentiment":"positive","sentiment_score":0.49494147300720215},{"text":"And if anything ever were to happen that you needed to claim on anything, just call Yep. me, and then Yeah.","start_word":4360,"end_word":4380,"sentiment":"neutral","sentiment_score":0.17583127319812775},{"text":"we will help you through. Hopefully, you'd never have to.","start_word":4381,"end_word":4390,"sentiment":"positive","sentiment_score":0.3657286465167999},{"text":"It's just a it's a safety guide. But if anything ever were to happen, just just call me, and I'll help you through Yep. Okay. anything. Now The what is the next next one is the yes. twelve month $12.24 I r 0, whatever Yes. that is. It's internal rate of return to be fancy. Now if you can open this one for me. Now yes. So it Numbers. can look quite overwhelming, but, basically, this one here breaks down all your investments. So this is directly in regards to your superannuation for you, and it shows you all the investments, how they have done in the last twelve months, and everything is after fees. So like you said, there's been, obviously, a lot of fluctuations in the market, both obviously with everything in The US and Trump and tariffs and everything, and then now everything in The Middle East as well. So this year has seen quite a bit of turbulence throughout the twelve months. Now as you can see to your left, you have all the different investments. You can see the names of them listed. You can Yes. see the starting value. You can also see the the market end value. So you can even see that when we started this, your balance was at 100 and let me just see here for you. Just open this one. Just close down for me. 170,702, and Yep. it's now up at 209,848.","start_word":4391,"end_word":4634,"sentiment":"neutral","sentiment_score":0.047356948256492615},{"text":"And 8. And so it's it's it's still seeing quite a bit of an increase, which is nice despite, obviously, fluctuations more than, obviously, anticipated. You will also have the returns on the investment.","start_word":4635,"end_word":4668,"sentiment":"positive","sentiment_score":0.457887202501297},{"text":"So if you look through the second column to the right, you will have all the different investments. So you can see here that it looks a lot more kind of not sporadic, but a lot more varied than than typically as well because of so much that's happened in the world. So despite everything and the first twelve months tend to be a little bit less as well because there's fees and everything coming out that you don't obviously have the the upfront fees and everything like that coming out later. And then, obviously, with it took a little bit longer to get your insurances in in force and stuff like that. Yeah. Despite everything, and this is after all fees have taken out, that portfolio has still gone up by 3.95%. So in the the whole scheme of things, it's not too bad for what's going on in the market. But what I would like to do is look at swapping specifically one investment out for you. Now the one that I would like to review in a bit more detail is your Vennelong Australian equity fund. Now this is the only managed fund that you have. And if you remember from from when we spoke last year, then that investment had done really, really well, and it was added to the portfolio because the purpose of that one was to do a little bit more of that active management. So kind of actively buying and selling different investments to try to outperform the market. Whereas the other investments, they are focusing on kind of tracking an index. So they are kind of focusing on so one of them, for example, their focus is to track the 500 largest companies listed in The US. So that one, you know, as companies grow, they get added to the list. As they get smaller, they kind of fall off. So they just kind of track the biggest companies. So it is a little bit different to that Bennelong investment. So the Bennelong investment, the reason why I wanna look at changing that one for you is that more recently, they've kind of under performed a little bit. And if we foresee an option underperforming and not changing too much, we obviously want to look at changing that for you because we wanna make sure that the investments we have in your portfolio is going to give you the most of growth and ultimately mean that you can retire as soon as you want to with as much money as possible. Okay. That makes sense. But Yes. I just questioned the Global Mhmm. X Physical Gold. Yes. The buying period is zero. Everything stays the same. What what is the what is that one for? So it just meant that we didn't add let me see here. There wasn't any more units because you already had enough units in your portfolio. So you still have 23,211 thousand in gold. And it just kind of grew by the prices increasing. So No. you still you still yeah. So this one looks a bit complex. But if you look at the market value end period column, which is one, two, three, four, that one shows how much money is in each option. Yes. So you can see gold there at Yes. 23,000. Yep. Yep. And you can even see the return on gold. You can see there how how crazy that is at 56 Yeah. point $8.07, which is crazy. Yeah.","start_word":4669,"end_word":5256,"sentiment":"neutral","sentiment_score":0.0655240412535412},{"text":"And that's also why it is, you know, a little bit higher allocation to your portfolio, and the good thing is that you've already been invested in it, which is good.","start_word":5257,"end_word":5287,"sentiment":"positive","sentiment_score":0.48570311069488525},{"text":"Now Yeah. with the Benelon, one of the reasons that they have fluctuates so much is because one of the companies that they had in their portfolio was called the Corporate Travel Group, and that company had a bit of issues with their reporting, which actually caused a bit of a suspense on the trading, which caused the prices to go down. So like I said, Connie, I would like to do a bit more research because, obviously, a lot has changed in the world since we spoke Yeah. last time. And the Yep. good thing with the underreviews and, you know, with the ongoing service is that we do this all the time because things are always changing. There's Yep. always changes in your life, but also in the world and the market and more so these last twelve months, really, since you came on board, there's been a lot of changes. So Yep. I would like to look at reviewing this and see if we can put another option that's doing a little bit better for you. If you as long as you're happy for me to do so? Oh, yeah. Yeah. Of course.","start_word":5288,"end_word":5483,"sentiment":"neutral","sentiment_score":0.029318737136960333},{"text":"Yeah. Perfect.","start_word":5484,"end_word":5485,"sentiment":"positive","sentiment_score":0.43978753685951233},{"text":"Now Yeah. Now while we are while while I am reviewing superannuation for you, I do wanted to check if do you read our newsletters at all, Connie? Nope. That's Nope. fine. That's Not too. okay. That's okay. Because I do wanted to kind of see what your thoughts are. So with superannuation, we have just very recently merged with BlackRock. Have you ever heard of them? They are one of the biggest investment managers. Nope. No? You can definitely Google them as well. They are massive. So we have actually teamed up with them to create something that's called an SMA. So it stands for a self managed account. Have you ever heard of that before? I don't think I'll do well with self manage my own account. No. This one is not for you. So Oh. this one here yes. So it's a little bit different. It's just called a self managed account, but I'll try not keep it as simplified as I can. The difference so your money would still be invested. It would it can still be in hub twenty four. Still the same style of investment. The biggest difference is that at the moment, you have a model portfolio. So when you log in to hub twenty four, and as you can see, a Hub twenty four, and as you can see in front of you, you see all your investments. You know the percent that you have in each investment. And if we wanna if I wanna go make a change to your portfolio, I'll go and do the research. I have to present everything in a new kind of statement of advice that we went through last time. And a lot of that is for compliance and legislation, but also making sure that you Yep. are across and understand everything. Yep. So because of that, it obviously takes a little bit to prepare all the documents and put everything together for you.","start_word":5486,"end_word":5814,"sentiment":"neutral","sentiment_score":0.05767913592984973},{"text":"You have to sign the documents to say that you are happy with the change, and then we can go ahead and make the Yep.","start_word":5815,"end_word":5839,"sentiment":"positive","sentiment_score":0.3754943013191223},{"text":"change. Yep.","start_word":5840,"end_word":5841,"sentiment":"neutral","sentiment_score":0.2703675329685211},{"text":"So it is kind of full transparency when it comes to it.","start_word":5842,"end_word":5853,"sentiment":"positive","sentiment_score":0.47002530097961426},{"text":"The downside is that because it takes a little while to prepare all the documents, there is sometimes a bit of a delay in, obviously, us making the change because we have to put all the the documents together, run through it with you, and you have to approve it. Does that Yes. make sense so far? Yep. The difference with the SMA is that you would be invested in a portfolio. So let's just it could just be called whatever. So you just invested in a portfolio. We will still manage all your investments along with BlackRock.","start_word":5854,"end_word":5951,"sentiment":"neutral","sentiment_score":0.015401115640997888},{"text":"But what it allows us to do without having to do the go through the SOA, present it to you for you to sign and agree it, it allows us to, in the back end, do those changes quickly if we think it's going to be the best for you. So that is the the biggest change is we don't have to go through all the compliance and documents to make a change because you are just invested in a a product. So you will still get notified when a change is happening, but we can go ahead and make the change. And then you'll get notified, and we can do it quickly. So that is the biggest change. Now some people are quite happy with that approach because they're like, okay. Well, if you see something changing, you can make a change tomorrow. That's fine.","start_word":5952,"end_word":6097,"sentiment":"positive","sentiment_score":0.43888014554977417},{"text":"I don't need to be involved in the whole process. But some clients, that I also have are like, no. I kind of prefer this old way because I can exactly see all the investments. We'll go through it together, and then you have to say you're happy with it before we make a change. So do you have which what preference do you have? Do you like the way things are structured right now, or would you be happy with a different model where we can just make changes in the back end for you if it's going to be the best for you? What what do you what would you be more comfortable with, and what do you prefer? That's a very interesting question. Yeah. And there's no right answer. And irrespective, I have to go and do the research.","start_word":6098,"end_word":6239,"sentiment":"neutral","sentiment_score":0.1226712832568397},{"text":"I have to follow the best interest duty, which is making sure that everything I recommend puts you in a better position.","start_word":6240,"end_word":6261,"sentiment":"positive","sentiment_score":0.34700095653533936},{"text":"And at all points in times, have to take you know, put your interest above anything else. But it also comes down to preference because I can build different portfolios outside this new model and still do, you know, a similar concept. It just means that it's a little bit slower with making change. We can still very much do it that way. And it also comes down to to preference. Because like I said, I have some clients who's like, no. I quite like the way things are right now, and we can still achieve a you you can still have the same investments. It just means that it's a little bit slower to make the process. We obviously do it as quickly as we can. It just takes a little bit longer, but it's full transparency. You can see exactly the I see it more about trust instead of any of those. So the liability is still the same. Like 100%. Yes. The the rules of legislation protecting you is the same. It's it's that's the law. It's just a different way of doing the investment.","start_word":6262,"end_word":6449,"sentiment":"neutral","sentiment_score":0.08763376623392105},{"text":"If you prefer to kind of stick with the old model and any changes, I'll give you a call and run through it together, then I'm more than happy to stick with that if you would be a bit more comfortable with it because we can still achieve a very good outcome.","start_word":6450,"end_word":6501,"sentiment":"positive","sentiment_score":0.3813130259513855},{"text":"It just means that it'll take a little bit longer, which, again, I have I have a lot of clients who's like, no. I prefer that way. And some who goes, oh, no.","start_word":6502,"end_word":6534,"sentiment":"neutral","sentiment_score":0.07964925467967987},{"text":"This is actually good because we get to use BlackRock's research and stuff like that to build a portfolio.","start_word":6535,"end_word":6553,"sentiment":"positive","sentiment_score":0.4674375057220459},{"text":"I when you say it, I already Yeah. understand. Then I just had a laugh Yes. because I know Yeah. even though if I choose the old way, I will Yes. just when whatever you say, I'll say, yeah. Yeah.","start_word":6554,"end_word":6593,"sentiment":"neutral","sentiment_score":0.002854484599083662},{"text":"Alright. Good.","start_word":6594,"end_word":6595,"sentiment":"positive","sentiment_score":0.4119109809398651},{"text":"Yep. Yeah. And what I can do Because for I you don't know yeah. much as you can tell and as Yeah. you can still see. Yeah. Of course, I will understand there will be impacts if Yes. the things happen around the world and Yes. but because I don't follow any of those Yep. markets, I will not know who will Yes. be the best. Yes. So I definitely rely on you for Yes. sure. And that's why we're here. And and Yeah.","start_word":6596,"end_word":6679,"sentiment":"neutral","sentiment_score":0.022955290973186493},{"text":"the the the SMA is good in that way that if something like, if because we obviously do research all the time. So we have a big investment committee and join with BlackRock now, which is great.","start_word":6680,"end_word":6716,"sentiment":"positive","sentiment_score":0.4084743857383728},{"text":"So if we, for example, foresee something changing, because the stock market can fluctuate so much now we don't wanna day trade your super. That is the purpose. It is your long term investment. But, obviously, like we've seen the last twelve months, things do fluctuate. So if, for example, something were to happen in one market of the world, let's say something happens to China or something, and we had China in your investments. We don't. But if we did and then something changes, we can go like, okay. Tomorrow or straight away when the market open, let's get out, and let's put it in a different market. So we could do that very quickly for you and then let you know we'll still send you documents and say, hey.","start_word":6717,"end_word":6847,"sentiment":"neutral","sentiment_score":0.10218945145606996},{"text":"Just letting you know we've made this change for you. This is the reasons why we believe it's better. And, again, all the the trust, the compliance, making that you are always put above everything else, that is the law. So that stays in place for anything we do. It just means it's quicker.","start_word":6848,"end_word":6901,"sentiment":"positive","sentiment_score":0.3644516170024872},{"text":"When you go in hub twenty four, you can still click on the estimate, and you can still see all your investments. So you still have oversight over everything. It just means that still have oversight over everything. It just means that we can do it quicker in the back end Yep. because Yep. of how the structure is. So So the it is portfolio, yes. It is it that still It it the same portfolio If It I go for SMA, or is that completely different portfolio? it we have different ones. So Sorry? how we put we have there is difference. So with the SMA, we have a lot of different options as well, and a lot of it comes down through your risk profile. So we have you in a growth portfolio. Do you remember kind Yes. of yeah. Yep. Yep. So are you still happy with your growth allocation? Are you still comfortable with the same fluctuations and allocation, or do you wanna run through another couple of questions to see if anything has changed for you? No. No. No. No. You don't wanna go through the questions, or no. You're not sure what the growth meant. I know the growth Yes. portfolio. Okay. Yeah. Yeah. Yeah.","start_word":6902,"end_word":7112,"sentiment":"neutral","sentiment_score":0.03449196924601121},{"text":"Perfect.","start_word":7113,"end_word":7113,"sentiment":"positive","sentiment_score":0.47591906785964966},{"text":"So with the growth portfolio, it is where we have your 80% to your growth investment. So that is your your property, your international shares, your Australian shares. And then 20% are your more defensive. So your cash, your gold, your fixed interest. And the purpose is to try to grow your superannuation as much as possible while you still have the time. But then also a little bit of that defensive component to limit fluctuations. So if you are happy with your growth portfolio still, we can do the SMA with the same level of risk as you currently have. So the same level of fluctuation, as you currently have. And when I do the research, I will cross reference the investments you currently have on what's in the SMA and if we can transfer any over for you or if there are any new ones. It because with the SMA, it can change a bit quicker because we can very quickly make changes. Should I go a little bit more risky? Are you comfortable with that? What I'll do, I'll just do a couple of questions to see, and it's not as long as last time.","start_word":7114,"end_word":7311,"sentiment":"neutral","sentiment_score":0.17457111179828644},{"text":"And just to see if you are comfortable, we can definitely, if you are happy with it.","start_word":7312,"end_word":7328,"sentiment":"positive","sentiment_score":0.5878821611404419},{"text":"So what I can do let me see. I'll try to refill some of this to not waste your time and make it quicker. At the moment, are you still planning on maybe accessing Super at 65? Is that still kind of the plan? Actually, I don't care. Maybe No? 70. Maybe I don't 70. know. Depends 60 how you're pounds feeling. is how Yeah. long I survive. Yeah. And are you still hoping to be able to draw an income of about $1,500 per week? Do you think that's still kind of, you know, achievable? Would that cover your bills and expenses if you take 1,500 per week, or would you need a bit more? I think I right right nowadays, I think I would need Yes? more. Yeah. Do you think, like, 2,000, 2,000 eighteen hundred, at least. 2,000? Okay. Yeah. I'll change that The to more 2,000. the better, I think. But Yeah. yeah.","start_word":7329,"end_word":7485,"sentiment":"neutral","sentiment_score":0.05539283901453018},{"text":"Perfect.","start_word":7486,"end_word":7486,"sentiment":"positive","sentiment_score":0.3931889832019806},{"text":"So a minimum of about $22,000 per week. Now inflation. So we kind of talked about this a little bit with everything getting more expensive. So if you think of superannuation alone, so only think of superannuation for these questions, how much risk would you be willing to take in order to tryna keep up with the rising prices, making sure that you stay on top of the the increase in prices in your superannuation, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk? The risk sorry. Is that the risk that I would like to take for my super? Correct. Yes. Do you think, like, very high risk, high, Moderate. or a bit more moderate? Yep.","start_word":7487,"end_word":7615,"sentiment":"neutral","sentiment_score":-0.03272227197885513},{"text":"Perfect.","start_word":7616,"end_word":7616,"sentiment":"positive","sentiment_score":0.41517511010169983},{"text":"And if you notice that your superannuation dropped by 20% in a six month period. Not because of a bad investment, just kind of the market as we as a whole, which which we have seen recently doing a little bit of fluctuations. Would you say that you would want to, if you had the option, invest a little bit more money while the prices are down, or would you kind of hold just wait and see what happens in the market, or would you want to sell out and then move to something a little bit safer? They're a bit tricky. Maybe invest. Invest? Okay. Would you say you would invest a lot or just a little bit? Just a little bit. Not Just a little not bit. Yep. crazy. Yeah. Yeah.","start_word":7617,"end_word":7749,"sentiment":"neutral","sentiment_score":-0.044543172379857617},{"text":"Perfect. And seeing any assets or superannuation or anything else full in value, if you ever saw it, do you think you that that would make you feel optimistic about potential opportunities in the future?","start_word":7750,"end_word":7784,"sentiment":"positive","sentiment_score":0.47932401299476624},{"text":"Do you think you would be a bit bit more cautious not making further investments, or would you say very, very, very concerned or just somewhere in the middle, not too bothered? Sorry. What was the situation again?","start_word":7785,"end_word":7822,"sentiment":"neutral","sentiment_score":-0.24839600920677185},{"text":"If your superannuation fell. So it went down in value because of investment fluctuations.","start_word":7823,"end_word":7836,"sentiment":"negative","sentiment_score":-0.42968207597732544},{"text":"Oh, Was I guess just a little bit concerned. it Hopefully, a it'll little, little come back. bit from there? Yep. Yep.","start_word":7837,"end_word":7858,"sentiment":"neutral","sentiment_score":-0.18193690478801727},{"text":"Perfect.","start_word":7859,"end_word":7859,"sentiment":"positive","sentiment_score":0.3821580410003662},{"text":"Let's see here. And would you ever consider taking out a loan to invest in the stock market, like funds and stocks or anything like that? No. No. Would you ever borrow for an investment property or just for your own house? Another loan. Yes. Would you or just just for your property, like your mortgage that you have? No. I think I'm happy just one mortgage is enough.","start_word":7860,"end_word":7928,"sentiment":"neutral","sentiment_score":0.015181172639131546},{"text":"Yeah. Perfect.","start_word":7929,"end_word":7930,"sentiment":"positive","sentiment_score":0.4207480549812317},{"text":"Now when I add all of these up, it tells me here that your risk tolerance do adds up to that growth portfolio that we have. So from how you have answered the question, the risk you are currently in does align. If you still want to increase it, we can as long as that you'll be comfortable. But if we increase it to a high growth, what that means is that you're gonna see more fluctuations in short term, in the long term, trying to achieve high over time. So it depends on what you are comfortable with as well because when we are also looking at a time frame, so making sure that you have enough time in the market, in a growth portfolio, we wanna allow at least six years until you retire, whereas Mhmm. a high growth, eight years. So you have the time for for both, but it's also where you are comfortable with. Because if you saw your fluctuations drop in value and that would make you quite concerned, then maybe growth is suitable. But if you feel like, you know what? I do wanna see you know, try to grow it more, and I'm comfortable seeing a bit of fluctuation, as long as it grows more in the long term, then I can look at changing it for you. But, also, with the SMA, I can build it I can do a mix of different portfolios. So if you go, I kind of like both. I can always do a mix of in between. So in a growth, we have your eighty twenty split. A high growth, you Yep. have 92 ninety ten. So 90 is through those growth investments. I can always do it where it's, like, eighty five fifteen if you wanna take a little bit more, but not fully. Another way to kind of relook at it again is if you go back into the documents in your email there, do you see one where it says your Vanguard index chart? Can you see that one? Mhmm. Yep. Yeah. So this one here, I think we went through this last time. It's just an updated one, but this one shows you the different breakdown. Yep. So Yep. yeah. So in your high in your growth, sorry. So how you are currently invested, if you look at the top four, so The US shares, Australian shares, international shares, and the property, Yep. this this is where you currently have about 80%, and then you have 20 in the bottom. So those are the ones that you see fluctuate the most, but they also grow the most. So if we change it, it will be 90% in the top one, ten in the bottom. It means that your gold will be less as well, or we can do a mix between the two. Alright. Or if Yeah. you're I'll comfortable do a thing next. mix? Okay. I can have Yes. a look at that. So because with the SMA, I can do, like, a fifty fifty, 50 to one and fifty to another to put you kind of somewhere in the middle where it's more around eighty five, fifteen. Do you think you'd be okay with that? Yes. Yeah? Okay. Yep. Now I will go and do the research on the SMA for you, but I will also research other options. So Yep. if it is that there's other options that's going to be better than the SMA, then I will recommend that. If the SMA is going to be better than you are currently, then I will recommend it. But I'll still run through the changes with you, Yes. and then you can let me know. And what I can do as well for you, Connie, is if you would like it can be confusing, but what I can is I can even send you an email with a bit more information on the concept of the SMA if you would like to read up on it a little bit before our next catch up if if that is something that you would would find helpful. Yeah. That would be Yeah.","start_word":7931,"end_word":8630,"sentiment":"neutral","sentiment_score":0.14503295144864492},{"text":"great. Thank you. I will send that through.","start_word":8631,"end_word":8638,"sentiment":"positive","sentiment_score":0.5028478503227234},{"text":"Now I will go and do this research on the investments for you. Like I said, it will take a couple of weeks for me to get all of it together. But as soon as as soon as I have it ready, I will give you a call, and I will run through the changes. And then we can, you know, see what we would like to do. Yes. Yeah. Okay. Now while I am doing the research, is there anything else you want me to look at for you? Are you still happy with your insurances and the way things are set up otherwise? It's mainly just having a bit of a look at that super for you. I guess. Yeah. We can always take it one one thing at a time as well so it doesn't get too much. So I will have a look at this. I will send you an email with the SMA, and I'll also incent that cash flow and budget for you. For you. Yeah. So do I wait for you next time before I sign the document?","start_word":8639,"end_word":8823,"sentiment":"neutral","sentiment_score":0.19676294181797951},{"text":"If you could do it now, that would be good because nothing's changing.","start_word":8824,"end_word":8836,"sentiment":"positive","sentiment_score":0.3734564483165741},{"text":"So if I go and make a change if I recommend that we change anything, it's not gonna cost you anymore. It's all part of the ongoing advice, see that 1.65. It stays exactly the same. There's no more upfront or anything like that. It all stays the same. But if you are happy to sign the documents, it just means that we can keep service and assist you in the meantime on until we speak as well, and it's not changing anything as long as you're happy to sign those documents. Yeah. Yep. Yeah. Now it might look a little bit different than the DocuSign did last time. So let me know how you go with the signing and if you have any issues. When you finish, it should say complete. Sorry? Are you going okay with with signing it? Because it's a little bit different than the old I'm a IT person. system. Oh, perfect. No problem. I just signed already. Oh, perfect.","start_word":8837,"end_word":9001,"sentiment":"neutral","sentiment_score":0.1618305891752243},{"text":"Oh, That's great. Now that's very good.","start_word":9002,"end_word":9008,"sentiment":"positive","sentiment_score":0.398688405752182},{"text":"Sometimes it's it's a bit tricky, especially with the new software, and I I'm not great with IT sometimes. that's So that's okay. good. Oh, good. So I can You still see that received that has it. come I hope so. yes. I've just got a notification that that's been received, which is Yep.","start_word":9009,"end_word":9062,"sentiment":"neutral","sentiment_score":0.012767758220434189},{"text":"great.","start_word":9063,"end_word":9063,"sentiment":"positive","sentiment_score":0.4875083863735199},{"text":"So I will get working on this research here for you, Connie. Like I said, I'll send you the cash flow and budget. If you have a moment, you obviously work through it. If you want more guidance and support with cash flow and budgeting when you have completed it, just let me know, and we can always book in and budgeting when you have completed it, just let me know, and we can always book in another time just to talk about that as well, or Okay. if there is any other areas that you wanna have a look at as well. When you oh, is that another area? I don't know what area that you actually refer to. So it it it can be a lot of different things. So it can be if you just want a general conversation in regards to finances, if you wanna look at different contributions into super, there's different structures for it, if you wanna look at different salary sacrifices, if you wanna look at different personal investments, so a personal investment account for you, if you wanna look at investment structures for your son, if you wanna look at a a range of different options because we are a holistic firm.","start_word":9064,"end_word":9273,"sentiment":"neutral","sentiment_score":0.18151456188587917},{"text":"So there are a lot of areas that we can provide advice on depending on what you want.","start_word":9274,"end_word":9291,"sentiment":"positive","sentiment_score":0.4120143949985504},{"text":"So if there is anything to do with your finances that you want assistance or guidance with or even, you know, cash on budget and stuff like that, Does that clarify anything, or does that make sense? That's quite broad. Does that include help to find? Well, I don't know. Defined. Like, for example, like, if I really need to buy a car either for myself or for my son, Yep. Do I just find a company, get another loan? It can so with because that's kind of a different that's more like your loan structure.","start_word":9292,"end_word":9387,"sentiment":"neutral","sentiment_score":0.0062133935280144215},{"text":"So because I'm not a lender, I can't do, like, loan structures.","start_word":9388,"end_word":9399,"sentiment":"negative","sentiment_score":-0.3679715692996979},{"text":"Mhmm. I can Okay. always so we work very closely with lenders, so mortgage brokers and stuff like that, but they can also do personal loans, some of them. So if it is a situation where you want to do car loans or you want to do even review your mortgage structure or anything like that, you can always just let me know, and I can always get someone to give you a call and talk a bit more with lending side of it. I just won't be able to do it because I don't have I'm not a mortgage broker, but I can get one of our contacts to get in touch with you through review at lending if it is that you want to do. Or even some people do it from, like if you have a lot of different credit cards and personal loans, they can look at kind of consolidating things as well. So but, otherwise, often, it's also depending on where you buy the car from and what loans they have and stuff like that. And if you because especially if it's secondhand, some might Yeah. be restrictive of what Yep. what you can do. But it might even be good sometimes speaking to a mortgage broker because you might be able to draw some equity from the house, for example, depending on what you are comfortable with because a car loan sometimes can be higher interest than potentially Yes. They the mortgage. are. Yeah. So sometimes it's not a bad idea to do a bit of a mortgage review because you might the property price may have increased quite a bit since you bought it, and your mortgage goes down. So there might be, you know, ways of utilizing some from the mortgage and getting it refinanced to get potentially a bit more money to do something else. Would you like me to get our mortgage broker to give you a call to to it's just a free review. They can always review your your mortgage and the way things are and see you know? And you can talk to them about, like, okay. Well, do I have any extra equity, or what could I draw from that? Obviously, it will potentially change the loan. But Yeah. because the the property value has probably gone up, there might be a lot of flexibilities. And I think I think it's good to relook at the mortgage every year just to see what the rates are and see how things change, especially if property prices have gone up quite a lot lately. Yeah. So what about I got few different banks for different things, for different purpose Yeah. for no reason. Yeah. If I want to, someone could have a look. Yeah. Yeah. Yes. So I can do general general advice I can do. So even if you send me, hey. These are the different banks I have. We can just do some general information on the different interests and stuff like that. But, again, the mortgage broker is typically the best one because they have all the rates and they have access to all of it. And they can say, okay. Well, if you swap through do you know who your bank is that your mortgage is with? Yeah. Loans.com.au. And your other banks? Oh, I have Westpac. I have Yeah? oh, Oh, I nearly forgot all my banks. That's okay. I have MyState Bank, Yeah. Moore's Bank, Yeah. and Great South Bank. Yeah? And it can be good because depending on each of the banks, there might be an administration fee just to hold the account. And if you are paying administration fee for all of them, that might cost more, or some might not have administration fees. So if you would like me to, I'd be more than happy to organize our mortgage broker to give you a call and kind of assess things for you because they can do a bit of a a review of your mortgage structure with the banks and stuff like that because they have access to all the rates of what you are getting on the banks, but then also a comparison of if there's administration fees and stuff like that that you are paying.","start_word":9400,"end_word":10117,"sentiment":"neutral","sentiment_score":0.11469118566898252},{"text":"Because I think that could be quite helpful for you if that is something you're comfortable That sounds a good idea.","start_word":10118,"end_word":10138,"sentiment":"positive","sentiment_score":0.37819862365722656},{"text":"with. Yeah. I think so too.","start_word":10139,"end_word":10144,"sentiment":"neutral","sentiment_score":0.22147305309772491},{"text":"Now I will send and I think it's good for everyone to do.","start_word":10145,"end_word":10157,"sentiment":"positive","sentiment_score":0.3868922591209411},{"text":"Now I will send an introduction email so you have the details as well, but I'll get them to reach out to you. And when is the best time for you, Connie, for them to give you a quick phone call? Tomorrow maybe afternoon, maybe around Tomorrow one tomorrow afternoon around one. Okay. or after their lunchtime. I don't know what time their lunchtime is. Yeah. Okay.","start_word":10158,"end_word":10224,"sentiment":"neutral","sentiment_score":0.12376083433628082},{"text":"Perfect.","start_word":10225,"end_word":10225,"sentiment":"positive","sentiment_score":0.3502938747406006},{"text":"I will do I will send that introduction, Emma, before I leave today and see if they can give you a call tomorrow, month one. Yep.","start_word":10226,"end_word":10251,"sentiment":"neutral","sentiment_score":0.22891196608543396},{"text":"They are they're very good with responding to emails.","start_word":10252,"end_word":10260,"sentiment":"positive","sentiment_score":0.412470817565918},{"text":"Otherwise so if they can't, they are pretty good with responding. Otherwise, they will give you a call and kind of run through the option.","start_word":10261,"end_word":10285,"sentiment":"neutral","sentiment_score":0.3072758615016937},{"text":"And then the good thing is as well that when we then catch up in a couple of weeks for your super, you can let me know as well how things went, and then we can Okay. always work on things together.","start_word":10286,"end_word":10327,"sentiment":"positive","sentiment_score":0.4135890085072744},{"text":"Yep.","start_word":10328,"end_word":10328,"sentiment":"neutral","sentiment_score":0.2920885682106018},{"text":"So I will get them to do that. And like I said, it's just a free review on the mortgage, and it's a good especially if you have different banks and mortgages and so just one mortgage, but different banks, they can run kind of a good comparison on on all of that for you.","start_word":10329,"end_word":10383,"sentiment":"positive","sentiment_score":0.3953337371349334},{"text":"Yep. Okay. So I will get them through I'll send that email for you today. I will also send the SMA email for some information, the Yep. cash flow and budget. And, otherwise, I will give you a call in a couple of weeks to run through all the research, and we can kind of touch base on how you went with speaking with the lender. But do you have any other questions or need anything else from me before I let you go otherwise today? No. I'm pretty good now.","start_word":10384,"end_word":10474,"sentiment":"neutral","sentiment_score":0.18658557534217832},{"text":"Thank you.","start_word":10475,"end_word":10476,"sentiment":"positive","sentiment_score":0.46752652525901794},{"text":"No? Thanks, Okay. Veronica.","start_word":10477,"end_word":10480,"sentiment":"neutral","sentiment_score":0.21522511541843417},{"text":"Perfect.","start_word":10481,"end_word":10481,"sentiment":"positive","sentiment_score":0.414199560880661},{"text":"No. That's okay, Connie. If you think of anything else during the meantime, you can always send me an email or or give me a call, and, we can always book in a catch up whenever you want to if there is anything else that that pops up, that you need help with as well. Sure. That's Yeah. great. No Perfect. worries. Alright. Well, thank you so much for your time this No. afternoon.","start_word":10482,"end_word":10555,"sentiment":"neutral","sentiment_score":0.20462623238563535},{"text":"Thank It you was for lovely to speak to you thank again you for for a co little while.","start_word":10556,"end_word":10574,"sentiment":"positive","sentiment_score":0.5404521226882935},{"text":"okay. No worries.","start_word":10575,"end_word":10577,"sentiment":"neutral","sentiment_score":0.26162904500961304},{"text":"And I look forward to, you know, speaking with you very soon again about Yep.","start_word":10578,"end_word":10592,"sentiment":"positive","sentiment_score":0.37478452920913696},{"text":"all of this. No worries. Thank Yeah.","start_word":10593,"end_word":10599,"sentiment":"neutral","sentiment_score":0.241315558552742},{"text":"you. Have a Perfect. good afternoon. Thank You you.","start_word":10600,"end_word":10608,"sentiment":"positive","sentiment_score":0.443101018667221},{"text":"too, Connie. We'll Yeah. speak soon. Bye. See Bye. you. Bye.","start_word":10609,"end_word":10619,"sentiment":"neutral","sentiment_score":0.15671028196811676}],"average":{"sentiment":"neutral","sentiment_score":0.10926797038589592}}}}