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Well, just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? And I will also ask you to please confirm your full name, date of birth, and address, please. Thanks for that, John. I appreciate it. So you've been expecting my call, so you know we're scheduled to do your annual review, which is great. Before we dive into it, probably just check-in with you and see how things are going. Has any significant changes personally or financially occurred for you in the last twelve months? Yes. Yep. Yes. Yep. Okay. Yeah. So what's that dropped back down to? One... Okay. Okay. Lovely. Fantastic. Okay. So you've mentioned that your family details all remain the same. I just don't have your daughter's name. What's her name? Yeah. Yeah. Yep. M r. Havoc. Lovely. And how how old is she? Oh, such a nice age. Yep. Yep. They will do that. So I'll just update that. That's great. So what I will just flag quickly is that when I was having a look at your superannuation fund, your beneficiary nominations are to your partner, Malene, at 50 percent. Malene. Sorry. My apologies. And Richard, 50%. Did you want to update or change? Mhmm. You... Yeah. So you can definitely do that. So with minors, if they're under 18 years of age, which Giovanni is, that is absolutely fine. There are a number of things that can... Like, a number of ways it can be paid to a child by way of a regular income or a lump sum. It's typically not a lump sum when they're minors. It is tax free to your partner and your daughter due to superannuation tax dependency rules. So you can most certainly nominate your daughter and your partner. Or, alternatively, if you have a will set up, we can direct it to your will, which your will then will distribute it as per your estate planning. Yes. Yep. Okay. So there's two different types of beneficiary nominations. At the moment, you've got the non lapsing binding, which is perfect. So what that means is it doesn't lapse. It's binding on the trustees, so the trustees cannot make a decision to distribute otherwise. And then there's a binding one, which is the same thing. The trustees cannot make a decision to distribute otherwise. However, you need to renew it every three years. So the difference... They're they're the main differences. So with the non lapsing, you would just change it when you submit a new form. So similar to the way you're doing it now, if you you were you were... If... So we're gonna replace Richard with your daughter. That will then update it. So are you happy? Yes. Stick with that? Lovely. Exactly right. Yeah. Okay. So how long have you been with Chandler McCloud for? Yep. Okay. And still full still full time? Okay. And are you making any additional contributions to Super at all? No. Do you have any idea what your expenditure is per week or what your savings is per week? Yep. Yep. Yes. Yep. Mhmm. Yeah. Okay. Yeah. Yep. Yeah. Okay. That's good. Absolutely. Okay. So based on that, I know that you're looking for a new rental, but your rental itself, how much rent are you getting from that per week? Yeah. Mhmm. Okay. Lovely. I'll just make a note of that for you. Does that pretty much pay the mortgage, or are you... Breaking? Yep. Yeah. Mhmm. Yep. Yeah. Mhmm. Yeah. Yeah. Understand. Okay. So we have... No. That's absolutely fine. You don't need to apologize for that. I just... It's just a good idea to get a gauge of where everything's at, make sure that everything that we recommend and have on file is actually accurate so it helps. I have a 2,009 RAV four car here at about 9,000. Yes. Yes. Okay. Okay. Yes. Okay. Is your partner okay? Oh, good. Yeah. Yeah. That's that's understandable. Okay. And I have two credit cards here. One with Great Southern Bank and one with Westpac. Are they still current? Yes. So it's a 5,000 limit? Okay. Okay. Okay. Yeah. Of course. Yeah. Yep. Yes. Okay. Lovely. Alright. Okay. So moving on to health and lifestyle just to make sure everything's up to date. Are you still a smoker? Yep. Yep. Yep. Yep. Okay. Yep. I understand that. That's great news. Yeah. It is one of the questions. So, yeah, who would you... Who are you with? Yep. Okay. Yep. Okay. And I know you don't have a will on power of attorney that we've talked about. Do you do you want me to send you through a brochure for someone that we work with? The prices are very, very competitive for you and Giovanna... Not Giovanna. Sorry. Malaney to have a look at? Yeah? Okay. Fantastic. I'll make sure I get that sent through to you post the meeting. I just wanna double check with you the goals and objectives that you had from your last review just to see if you, are at this still current and if you've achieved them. So I think the first one you have, you wanted to go to Brazil... Oh, no. Sorry. You want to go to Brazil each year to see your partner's family, and you are hoping to buy another investment property if you get a pay rise. Is the investment property still on the card? Yeah? Yes. No. That's okay. That's... Yes. Yeah. We dig deep. Okay. Yes. Okay. Alright. Yeah. That's right, isn't it? Especially with the little ones. Still wanting to travel every year to Brazil? Yep. Yep. Yep. Yeah. I understand. Yeah. I understand. I understand that. Okay. Yep. Alright. Makes sense. Absolutely makes sense. And then looking at retirement, you've said that you would like to be able to travel to Brazil each year. I'm assuming we chuck England in there as well. Sorry. A couple of times a year and draw an income of $1,500 per week at the age of 60. Is that still what you're targeting? Yeah. Okay. Okay. And with your insurance cover, you have previously said that you're happy with the levels of cover that you have as it suits your needs and provides for your family to clear debt and additional living expenses. Your level of income protection is suited based on your income, and your partner also works in the event that you're unable to. Do you think that still applies? Lovely. Oh, it will. Yeah. So as we model things out, yeah, it will. Alright. So I'm... Do you have access to your emails at the moment? Yeah. I'm gonna send you through an email. It's gonna have the review package or the review pack, we'll call it, attached, and it will come through from OdooSign and myself. And when you receive it, you'll need to open it up, and it will say sign here or click here to sign. You're not signing anything at the moment. We're simply just gonna talk through the review pack itself and the documents. Lovely. If you can just click on it and let me know when the first document comes up, I'll just navigate through this review pack with you to make sure everything is exactly the way we want it and talk through any flags that I need to with you. Okay. Lovely. So the first document should be a summary of your super insurance. So your super is still with hub twenty four, valued at approximately $192,806, and you have your life, TPD, and income protection through AIA, and those premiums are funded from your superannuation balance in hub twenty four. So looking at those levels of cover, you're still comfortable with what they are to meet you and your family's needs? Oh, that's the premium. That's the premium. Yeah. Yeah. Yeah. Okay. So the life insurance sum insured is 454,946 thousand. So I'll use yesterday as an example because we know that it didn't happen. If you passed away yesterday, Malaney and your daughter would receive that lump sum. If... For TPD insurance, if you were totally and permanently disabled, so, again, if yesterday you're in a horrific car accident and you were totally and permanently disabled to the point where you'd be unable to work in your occupation or anything reasonably trained to do, you would receive that lump sum payout of the same amount, 454. And then what income protection covers is your up to 70% of your taxable income if you're unable to work due to injury or illness. Now this is kind of like a temporary unable to work instead of a total as mentioned above in total and permanent disablement. So it it might be that... Think of an example. You hurt your shoulder and you end up having to have a shoulder reconstruction and... Or a shoulder surgery and you're gonna be off work for for three months, the first thirty days, you won't be paid. And then the following thirty days and thirty days after that, you'll receive your benefit up to a period of five years depending on the severity of the injury or illness and how long you'll be off work for. Yep. Lovely. So you don't have trauma insurance. Not sure if that's been spoken to you about in the past. I just need to mention it. Trauma insurance. Yeah. So that that type that type of policy again is a lump sum payment when you are diagnosed with an insurable event. So they range from cancer, heart attack, stroke, neurological diseases, and that premium is paid through your personal cash flow. Excuse me. Is that something that you'd be interested in exploring? No? Okay. The next document across is your performance with Hub. So now we're moving on to your superannuation. Overall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months. The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund. The the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months. It's the way different investment managers invest money, and Bennelong's investment philosophy is that they investigate underperforming... Oh, sorry, undervalued companies in the Australian share market for areas of potential growth. Now the last twelve months, it was the financials and resources that performed. Bennelong is turning around now in relation to performance, so they are performing again. However, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option. So it's... We don't react quickly. So, you know, investments in the share market go up and down due to the volatile nature of them. So replacing something quickly due to underperformance is where we we don't act. We hold and wait and make informed decisions. So we have made the decision that we would like to look at the appropriateness and review that for our clients within their fund. Are you happy for me to do that? Lovely. Okay. There was one other option that I did wanna include to review in your portfolio, and that's the third one down being the Beta Bank Hybrid ETF. There's nothing wrong with that as an investment option. It forms part of your defensive part of the portfolio. However, the Australian banking system has changed, And from January 2027, those bank hybrids will be phased out as an investment option through the banking system. So given the uncertainty surrounding what they're gonna be replaced with, because I don't know yet, I'd like to take a little bit of a more proactive approach to look at potentially a replacement now as opposed to waiting and seeing. Is that... Are you comfortable for me to look at that? Okay. The rest of your portfolio has been performing well. You've got some great satellite niche sectors in there, being the global agriculture and your global cybersecurity, which have both performed really well, giving you a little bit of diversification to the growth market, but some niche sectors. And you've got some gold exposure and also the iShares S and P five hundred, which is your global international American shares. So you you put... Overall, your portfolio is what... Is working well. It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well. Okay. The next document along is the Vanguard index chart. This is an educational tool, and I'm gonna tie it into your... Our risk profile conversation that we need to have. So those top four along the right hand side of the page where it says US shares, Australian shares, international, and Australian listed property, they're your growth assets with the bottom two, Australian bonds and cash being your defensive style assets. Now you're currently invested as a growth investor, and what that means is that there's an allocation to growth assets and defensive assets. So we split... So your your superannuation funds are split to approximately 80% in those top four and twenty percent in the bottom two, and they obviously vary over time with market movement and contributions. The the minimum suggested time frame for a gross investor is six years. That allows you to withstand those market volatility that you can see on that lovely pretty little graph with the... With a negative with a negative return likelihood of one year in every five years. The the reason why I bring it up in this conversation is every single time we have a review, we're gonna revisit your gross... Sorry, your risk profile and your your attitude and tolerance to grow... To risk being... Risk in this conversation being those top four, those growth assets. Now given that you're approximately eighteen years away from being able to access your superannuation, how are you feeling with that that growth risk profile? So 80% to your growth assets and 20 to your defensive assets knowing that that 80% is gonna experience volatility throughout the coming years. Yeah. Yep. Yeah. And so that means that we would look at... The next one down is a balanced growth investor, And in that that that risk profile, you're looking at about 70% allocated to your growth assets and 30% to your defensive assets with a negative like... Oh, sorry. A negative return likely in one every six years. Yeah. You... You'd like to decrease to a balanced growth? Yeah. Just to dig a little bit deeper so I can make sure that I understand why. Well, not why, but... So I can make sure that I've got my notes to reflect that that we had a really good conversation about this. What is your thought process for that? Mhmm. Yeah. That's absolutely fine. It it does. Yep. I understand. Okay. Nope. That's absolutely fine, and I completely understand. So just to finalize that, a gross portfolio, you're expecting a return... An average annual return of between seven to 9% per annum long term. So not per year, but long term rolling with a balanced gross being six to 8% per annum long term rolling. So you're comfortable with that slightly 1% less either side? Yep. Okay. Fantastic. That's absolutely fine. And I can... It... Yeah. Yeah. Mhmm. Okay. So great question. So if we look at... So you're looking at that chart right now. Still yes? Yep. So let's look at nineteen twenty COVID nineteen. That's probably the most recent significant crash everyone recalls. So you'll see along the top, there's some black writing. If you navigate to COVID nineteen in the 1920 year, you'll see the market absolutely plummeted with property being one of the main ones that plummeted significantly, but we all know what happened with property after that. So that's that's essentially what will happen. Your portfolio, if the market crashes, your portfolio is gonna crash with it. The question is is how long do you have to allow for your portfolio to recover? So given that it's your superannuation and you can't access it to your age 60, that's eighteen years. So every single year, what happens is is we have a conversation about risk profiles. For example, I had a conversation yesterday with a client that is about five years away from retirement, and we're looking at... That's the time where we'd start to look at reducing some of the growth assets and increasing our defensive assets because we we wanna lower the risk for him as he approaches retirement. Now he's only five years away from being able to access his superannuation. So he needed, and logically for him, needed to reduce his risk. If we flip it for your situation, you have your investment property, which is held in your personal name. So that's a great investment for yourself to hold personally. You've got your superannuation, which is invested across a split of growth and defensive assets. So property would consider a growth asset. So you've got a big growth asset in your personal name sitting there that's generating you some long term growth and also some income. Now the same the same thought process can be applied to a superannuation fund. We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property. You're investing for long term growth. So if you think of your superannuation in a similar way to your investment property, me person... Not me personally. My job as an adviser is to make sure that you're invested in a risk that is appropriate for you, being your tolerance to risk and your comfort. So one of the things I like to call it is the sleep at night test. Is your superannuation keeping you up at night? Are you worried about the performance of it? When the market drops, do you immediately worry about your superannuation? Or is it more that you're not sure how the market behaves and you're unsure about the level of risk to take for that? So we can definitely drop it down to a balanced growth. And like you said, I do this day in and day out. So for me, I understand it, but... Not understand it, but I can I can explain it and, you know, make it make sense in my head? But for but for other people that don't do it day in and day out, it can be scary to consider losses. Yeah. Yep. Mhmm. No worries at all. Yep. Absolutely. I can definitely arrange that. The next two documents are your certificates of currency. So what they are is certificates stating that your insurances are in place with AIA. So they're the levels of cover we talked about on the first page. So they're just for your information to confirm that they are in place. The following document is our financial services guide. So you would have received this in the past, and we have an updated version. It's just... It's a legal requirement that we supply this to our clients to provide information. So it will tell you who we are, who we're licensed through, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, an overview of our fees, and also the complaints process should you need to do that. And the final document is your ongoing service agreement. So each year, you'll sign a document if you wish to continue being a client and receiving advice. So for you, the annual fees for this coming year or twelve months, I should say, is $3,340.37, which is deducted monthly from your superannuation fund, which I estimate to be $278.36 per month. What that fee covers is your reviews that we're doing now. The work that I'm gonna do post this to review those insurance... Sorry, insurance investment options and also look at a portfolio to take you down to a balanced growth. But you're also not limited in the amount you contact us. So you don't need to wait to each annual review if you have a question or a query or you need to seek further advice. You just reach out, and we make that appointment happen. So that's what that fee covers you for. And that's the end of those documents. So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us. And, basically, the next steps that I'm gonna do from here is I'm going to go away, do that research on that replacement fund funds, but I'm also gonna look at a different portfolio from... For you. So I probably make a recommendation to change all of... Most of the investments within your fund, and it might not be changing them as a whole. It might be just reducing exposure to some of them, so reducing the amount that we have invested with them to go to to be more in line with that $70.30 split. Yeah. So that takes about two weeks to do because then we're... We've gotta do an advice document and then present that to you. So I am wondering, the week beginning the October 19, what availability do you have? Yeah. Okay. So if I have a... I can def... I can definitely do that. So this is around twelve WA time? Okay. Let... Because Daylight Savings, the bane of my existence will be in play by then. So give me one second to figure out what time that would be here to make sure that I get it right for you. So twelve WA time is two Queensland time. So I can book that in on Thursday, the twenty second. Does that sound okay? Did you want me to send you a calendar invite and a text message the day of or the day before? Oh, do you wanna do a different do you wanna do a different day? No? Okay. Okay. Fantastic. Well, I'll have a a... I'll get a text scheduled to text you that morning. Lovely. Fantastic. Thank you for that, Jonathan. And in the meantime, any other questions that you have for me? No. I've... Yeah. 100%, I will do that for you. And... Absolutely. Absolutely. So they will also... If you do wish to proceed with them, they can do it via phone and all that with you as well. So they're based here in Queensland, and the brochure does say Queensland, but it's Australia wide. So just disregard that. And, yeah, they can work with you to do that. Wonderful. Well, thank you so much for your time. I appreciate it, and I will be speaking with you again on the twenty second. You too. You too. Bye. 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John. This is Jenna Fanning from Oakview Financial. How are you today? Jenna. Yeah.\n\nI'm well. Thanks. How are you? Lovely. Well, just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? And I will also ask you to please confirm your full name, date of birth, and address, please. Thanks for that, John. I appreciate it. So you've been expecting my call, so you know we're scheduled to do your annual review, which is great.\n\nBefore we dive into it, probably just check-in with you and see how things are going. Has any significant changes personally or financially occurred for you in the last twelve months? Yes. Yep. Yes.\n\nYep. Okay. Yeah. So what's that dropped back down to? One...\n\nOkay. Okay. Lovely. Fantastic. Okay.\n\nSo you've mentioned that your family details all remain the same. I just don't have your daughter's name. What's her name? Yeah. Yeah.\n\nYep. M r. Havoc. Lovely. And how how old is she?\n\nOh, such a nice age. Yep. Yep. They will do that. So I'll just update that.\n\nThat's great. So what I will just flag quickly is that when I was having a look at your superannuation fund, your beneficiary nominations are to your partner, Malene, at 50 percent. Malene. Sorry. My apologies.\n\nAnd Richard, 50%. Did you want to update or change? Mhmm. You... Yeah.\n\nSo you can definitely do that. So with minors, if they're under 18 years of age, which Giovanni is, that is absolutely fine. There are a number of things that can... Like, a number of ways it can be paid to a child by way of a regular income or a lump sum. It's typically not a lump sum when they're minors.\n\nIt is tax free to your partner and your daughter due to superannuation tax dependency rules. So you can most certainly nominate your daughter and your partner. Or, alternatively, if you have a will set up, we can direct it to your will, which your will then will distribute it as per your estate planning. Yes. Yep.\n\nOkay. So there's two different types of beneficiary nominations. At the moment, you've got the non lapsing binding, which is perfect. So what that means is it doesn't lapse. It's binding on the trustees, so the trustees cannot make a decision to distribute otherwise.\n\nAnd then there's a binding one, which is the same thing. The trustees cannot make a decision to distribute otherwise. However, you need to renew it every three years. So the difference... They're they're the main differences.\n\nSo with the non lapsing, you would just change it when you submit a new form. So similar to the way you're doing it now, if you you were you were... If... So we're gonna replace Richard with your daughter. That will then update it.\n\nSo are you happy? Yes. Stick with that? Lovely. Exactly right.\n\nYeah. Okay. So how long have you been with Chandler McCloud for? Yep. Okay.\n\nAnd still full still full time? Okay. And are you making any additional contributions to Super at all? No. Do you have any idea what your expenditure is per week or what your savings is per week?\n\nYep. Yep. Yes. Yep. Mhmm.\n\nYeah. Okay. Yeah. Yep. Yeah.\n\nOkay. That's good. Absolutely. Okay. So based on that, I know that you're looking for a new rental, but your rental itself, how much rent are you getting from that per week?\n\nYeah. Mhmm. Okay. Lovely. I'll just make a note of that for you.\n\nDoes that pretty much pay the mortgage, or are you... Breaking? Yep. Yeah. Mhmm.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nUnderstand. Okay. So we have... No. That's absolutely fine.\n\nYou don't need to apologize for that. I just... It's just a good idea to get a gauge of where everything's at, make sure that everything that we recommend and have on file is actually accurate so it helps. I have a 2,009 RAV four car here at about 9,000. Yes.\n\nYes. Okay. Okay. Yes. Okay.\n\nIs your partner okay? Oh, good. Yeah. Yeah. That's that's understandable.\n\nOkay. And I have two credit cards here. One with Great Southern Bank and one with Westpac. Are they still current? Yes.\n\nSo it's a 5,000 limit? Okay. Okay. Okay. Yeah.\n\nOf course. Yeah. Yep. Yes. Okay.\n\nLovely. Alright. Okay. So moving on to health and lifestyle just to make sure everything's up to date. Are you still a smoker?\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. I understand that. That's great news. Yeah. It is one of the questions.\n\nSo, yeah, who would you... Who are you with? Yep. Okay. Yep.\n\nOkay. And I know you don't have a will on power of attorney that we've talked about. Do you do you want me to send you through a brochure for someone that we work with? The prices are very, very competitive for you and Giovanna... Not Giovanna.\n\nSorry. Malaney to have a look at? Yeah? Okay. Fantastic.\n\nI'll make sure I get that sent through to you post the meeting. I just wanna double check with you the goals and objectives that you had from your last review just to see if you, are at this still current and if you've achieved them. So I think the first one you have, you wanted to go to Brazil... Oh, no. Sorry.\n\nYou want to go to Brazil each year to see your partner's family, and you are hoping to buy another investment property if you get a pay rise. Is the investment property still on the card? Yeah? Yes. No.\n\nThat's okay. That's... Yes. Yeah. We dig deep.\n\nOkay. Yes. Okay. Alright. Yeah.\n\nThat's right, isn't it? Especially with the little ones. Still wanting to travel every year to Brazil? Yep. Yep.\n\nYep. Yeah. I understand. Yeah. I understand.\n\nI understand that. Okay. Yep. Alright. Makes sense.\n\nAbsolutely makes sense. And then looking at retirement, you've said that you would like to be able to travel to Brazil each year. I'm assuming we chuck England in there as well. Sorry. A couple of times a year and draw an income of $1,500 per week at the age of 60.\n\nIs that still what you're targeting? Yeah. Okay. Okay. And with your insurance cover, you have previously said that you're happy with the levels of cover that you have as it suits your needs and provides for your family to clear debt and additional living expenses.\n\nYour level of income protection is suited based on your income, and your partner also works in the event that you're unable to. Do you think that still applies? Lovely. Oh, it will. Yeah.\n\nSo as we model things out, yeah, it will. Alright. So I'm... Do you have access to your emails at the moment? Yeah.\n\nI'm gonna send you through an email. It's gonna have the review package or the review pack, we'll call it, attached, and it will come through from OdooSign and myself. And when you receive it, you'll need to open it up, and it will say sign here or click here to sign. You're not signing anything at the moment. We're simply just gonna talk through the review pack itself and the documents.\n\nLovely. If you can just click on it and let me know when the first document comes up, I'll just navigate through this review pack with you to make sure everything is exactly the way we want it and talk through any flags that I need to with you. Okay. Lovely. So the first document should be a summary of your super insurance.\n\nSo your super is still with hub twenty four, valued at approximately $192,806, and you have your life, TPD, and income protection through AIA, and those premiums are funded from your superannuation balance in hub twenty four. So looking at those levels of cover, you're still comfortable with what they are to meet you and your family's needs? Oh, that's the premium. That's the premium. Yeah.\n\nYeah. Yeah. Okay. So the life insurance sum insured is 454,946 thousand. So I'll use yesterday as an example because we know that it didn't happen.\n\nIf you passed away yesterday, Malaney and your daughter would receive that lump sum. If... For TPD insurance, if you were totally and permanently disabled, so, again, if yesterday you're in a horrific car accident and you were totally and permanently disabled to the point where you'd be unable to work in your occupation or anything reasonably trained to do, you would receive that lump sum payout of the same amount, 454. And then what income protection covers is your up to 70% of your taxable income if you're unable to work due to injury or illness. Now this is kind of like a temporary unable to work instead of a total as mentioned above in total and permanent disablement.\n\nSo it it might be that... Think of an example. You hurt your shoulder and you end up having to have a shoulder reconstruction and... Or a shoulder surgery and you're gonna be off work for for three months, the first thirty days, you won't be paid. And then the following thirty days and thirty days after that, you'll receive your benefit up to a period of five years depending on the severity of the injury or illness and how long you'll be off work for.\n\nYep. Lovely. So you don't have trauma insurance. Not sure if that's been spoken to you about in the past. I just need to mention it.\n\nTrauma insurance. Yeah. So that that type that type of policy again is a lump sum payment when you are diagnosed with an insurable event. So they range from cancer, heart attack, stroke, neurological diseases, and that premium is paid through your personal cash flow. Excuse me.\n\nIs that something that you'd be interested in exploring? No? Okay. The next document across is your performance with Hub. So now we're moving on to your superannuation.\n\nOverall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months. The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund. The the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months. It's the way different investment managers invest money, and Bennelong's investment philosophy is that they investigate underperforming... Oh, sorry, undervalued companies in the Australian share market for areas of potential growth.\n\nNow the last twelve months, it was the financials and resources that performed. Bennelong is turning around now in relation to performance, so they are performing again. However, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option. So it's... We don't react quickly.\n\nSo, you know, investments in the share market go up and down due to the volatile nature of them. So replacing something quickly due to underperformance is where we we don't act. We hold and wait and make informed decisions. So we have made the decision that we would like to look at the appropriateness and review that for our clients within their fund. Are you happy for me to do that?\n\nLovely. Okay. There was one other option that I did wanna include to review in your portfolio, and that's the third one down being the Beta Bank Hybrid ETF. There's nothing wrong with that as an investment option. It forms part of your defensive part of the portfolio.\n\nHowever, the Australian banking system has changed, And from January 2027, those bank hybrids will be phased out as an investment option through the banking system. So given the uncertainty surrounding what they're gonna be replaced with, because I don't know yet, I'd like to take a little bit of a more proactive approach to look at potentially a replacement now as opposed to waiting and seeing. Is that... Are you comfortable for me to look at that? Okay.\n\nThe rest of your portfolio has been performing well. You've got some great satellite niche sectors in there, being the global agriculture and your global cybersecurity, which have both performed really well, giving you a little bit of diversification to the growth market, but some niche sectors. And you've got some gold exposure and also the iShares S and P five hundred, which is your global international American shares. So you you put... Overall, your portfolio is what...\n\nIs working well. It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well. Okay. The next document along is the Vanguard index chart. This is an educational tool, and I'm gonna tie it into your...\n\nOur risk profile conversation that we need to have. So those top four along the right hand side of the page where it says US shares, Australian shares, international, and Australian listed property, they're your growth assets with the bottom two, Australian bonds and cash being your defensive style assets. Now you're currently invested as a growth investor, and what that means is that there's an allocation to growth assets and defensive assets. So we split... So your your superannuation funds are split to approximately 80% in those top four and twenty percent in the bottom two, and they obviously vary over time with market movement and contributions.\n\nThe the minimum suggested time frame for a gross investor is six years. That allows you to withstand those market volatility that you can see on that lovely pretty little graph with the... With a negative with a negative return likelihood of one year in every five years. The the reason why I bring it up in this conversation is every single time we have a review, we're gonna revisit your gross... Sorry, your risk profile and your your attitude and tolerance to grow...\n\nTo risk being... Risk in this conversation being those top four, those growth assets. Now given that you're approximately eighteen years away from being able to access your superannuation, how are you feeling with that that growth risk profile? So 80% to your growth assets and 20 to your defensive assets knowing that that 80% is gonna experience volatility throughout the coming years. Yeah.\n\nYep. Yeah. And so that means that we would look at... The next one down is a balanced growth investor, And in that that that risk profile, you're looking at about 70% allocated to your growth assets and 30% to your defensive assets with a negative like... Oh, sorry.\n\nA negative return likely in one every six years. Yeah. You... You'd like to decrease to a balanced growth? Yeah.\n\nJust to dig a little bit deeper so I can make sure that I understand why. Well, not why, but... So I can make sure that I've got my notes to reflect that that we had a really good conversation about this. What is your thought process for that? Mhmm.\n\nYeah. That's absolutely fine. It it does. Yep. I understand.\n\nOkay. Nope. That's absolutely fine, and I completely understand. So just to finalize that, a gross portfolio, you're expecting a return... An average annual return of between seven to 9% per annum long term.\n\nSo not per year, but long term rolling with a balanced gross being six to 8% per annum long term rolling. So you're comfortable with that slightly 1% less either side? Yep. Okay. Fantastic.\n\nThat's absolutely fine. And I can... It... Yeah. Yeah.\n\nMhmm. Okay. So great question. So if we look at... So you're looking at that chart right now.\n\nStill yes? Yep. So let's look at nineteen twenty COVID nineteen. That's probably the most recent significant crash everyone recalls. So you'll see along the top, there's some black writing.\n\nIf you navigate to COVID nineteen in the 1920 year, you'll see the market absolutely plummeted with property being one of the main ones that plummeted significantly, but we all know what happened with property after that. So that's that's essentially what will happen. Your portfolio, if the market crashes, your portfolio is gonna crash with it. The question is is how long do you have to allow for your portfolio to recover? So given that it's your superannuation and you can't access it to your age 60, that's eighteen years.\n\nSo every single year, what happens is is we have a conversation about risk profiles. For example, I had a conversation yesterday with a client that is about five years away from retirement, and we're looking at... That's the time where we'd start to look at reducing some of the growth assets and increasing our defensive assets because we we wanna lower the risk for him as he approaches retirement. Now he's only five years away from being able to access his superannuation. So he needed, and logically for him, needed to reduce his risk.\n\nIf we flip it for your situation, you have your investment property, which is held in your personal name. So that's a great investment for yourself to hold personally. You've got your superannuation, which is invested across a split of growth and defensive assets. So property would consider a growth asset. So you've got a big growth asset in your personal name sitting there that's generating you some long term growth and also some income.\n\nNow the same the same thought process can be applied to a superannuation fund. We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property. You're investing for long term growth. So if you think of your superannuation in a similar way to your investment property, me person... Not me personally.\n\nMy job as an adviser is to make sure that you're invested in a risk that is appropriate for you, being your tolerance to risk and your comfort. So one of the things I like to call it is the sleep at night test. Is your superannuation keeping you up at night? Are you worried about the performance of it? When the market drops, do you immediately worry about your superannuation?\n\nOr is it more that you're not sure how the market behaves and you're unsure about the level of risk to take for that? So we can definitely drop it down to a balanced growth. And like you said, I do this day in and day out. So for me, I understand it, but... Not understand it, but I can I can explain it and, you know, make it make sense in my head?\n\nBut for but for other people that don't do it day in and day out, it can be scary to consider losses. Yeah. Yep. Mhmm. No worries at all.\n\nYep. Absolutely. I can definitely arrange that. The next two documents are your certificates of currency. So what they are is certificates stating that your insurances are in place with AIA.\n\nSo they're the levels of cover we talked about on the first page. So they're just for your information to confirm that they are in place. The following document is our financial services guide. So you would have received this in the past, and we have an updated version. It's just...\n\nIt's a legal requirement that we supply this to our clients to provide information. So it will tell you who we are, who we're licensed through, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, an overview of our fees, and also the complaints process should you need to do that. And the final document is your ongoing service agreement. So each year, you'll sign a document if you wish to continue being a client and receiving advice. So for you, the annual fees for this coming year or twelve months, I should say, is $3,340.37, which is deducted monthly from your superannuation fund, which I estimate to be $278.36 per month.\n\nWhat that fee covers is your reviews that we're doing now. The work that I'm gonna do post this to review those insurance... Sorry, insurance investment options and also look at a portfolio to take you down to a balanced growth. But you're also not limited in the amount you contact us. So you don't need to wait to each annual review if you have a question or a query or you need to seek further advice.\n\nYou just reach out, and we make that appointment happen. So that's what that fee covers you for. And that's the end of those documents. So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us. And, basically, the next steps that I'm gonna do from here is I'm going to go away, do that research on that replacement fund funds, but I'm also gonna look at a different portfolio from...\n\nFor you. So I probably make a recommendation to change all of... Most of the investments within your fund, and it might not be changing them as a whole. It might be just reducing exposure to some of them, so reducing the amount that we have invested with them to go to to be more in line with that $70.30 split. Yeah.\n\nSo that takes about two weeks to do because then we're... We've gotta do an advice document and then present that to you. So I am wondering, the week beginning the October 19, what availability do you have? Yeah. Okay.\n\nSo if I have a... I can def... I can definitely do that. So this is around twelve WA time? Okay.\n\nLet... Because Daylight Savings, the bane of my existence will be in play by then. So give me one second to figure out what time that would be here to make sure that I get it right for you. So twelve WA time is two Queensland time. So I can book that in on Thursday, the twenty second.\n\nDoes that sound okay? Did you want me to send you a calendar invite and a text message the day of or the day before? Oh, do you wanna do a different do you wanna do a different day? No? Okay.\n\nOkay. Fantastic. Well, I'll have a a... I'll get a text scheduled to text you that morning. Lovely.\n\nFantastic. Thank you for that, Jonathan. And in the meantime, any other questions that you have for me? No. I've...\n\nYeah. 100%, I will do that for you. And... Absolutely. Absolutely.\n\nSo they will also... If you do wish to proceed with them, they can do it via phone and all that with you as well. So they're based here in Queensland, and the brochure does say Queensland, but it's Australia wide. So just disregard that. And, yeah, they can work with you to do that.\n\nWonderful. Well, thank you so much for your time. I appreciate it, and I will be speaking with you again on the twenty second. You too. You too.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, John.","start":4.0,"end":4.56,"sentiment":"neutral","sentiment_score":0.05654580518603325},{"text":"This is Jenna Fanning from Oakview Financial.","start":4.56,"end":6.66,"sentiment":"neutral","sentiment_score":0.1267436295747757},{"text":"How are you today?","start":6.7999997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.21856654807925224},{"text":"Jenna.","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":0.03685275465250015},{"text":"Yeah.","start":14.08,"end":14.58,"sentiment":"neutral","sentiment_score":0.18471014499664307}],"sentiment":"neutral","sentiment_score":0.1397417406241099,"num_words":15,"start":4.0,"end":14.58},{"sentences":[{"text":"I'm well.","start":15.045,"end":15.445,"sentiment":"neutral","sentiment_score":0.3101857304573059},{"text":"Thanks.","start":15.445,"end":15.684999,"sentiment":"positive","sentiment_score":0.417826771736145},{"text":"How are you?","start":15.684999,"end":16.505,"sentiment":"neutral","sentiment_score":0.23187647263209024},{"text":"Lovely.","start":20.244999,"end":20.744999,"sentiment":"positive","sentiment_score":0.432734876871109},{"text":"Well, just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":20.805,"end":26.985,"sentiment":"neutral","sentiment_score":0.0012300450665255387}],"sentiment":"neutral","sentiment_score":0.07084140674241128,"num_words":31,"start":15.045,"end":26.985},{"sentences":[{"text":"Is that okay?","start":27.045,"end":27.945,"sentiment":"neutral","sentiment_score":0.03423662235339483},{"text":"And I will also ask you to please confirm your full name, date of birth, and address, please.","start":30.25,"end":36.510002,"sentiment":"neutral","sentiment_score":0.06686945176786846},{"text":"Thanks for that, John.","start":50.345,"end":51.785,"sentiment":"positive","sentiment_score":0.6280106604099274},{"text":"I appreciate it.","start":51.785,"end":53.004997,"sentiment":"positive","sentiment_score":0.6060255567232767},{"text":"So you've been expecting my call, so you know we're scheduled to do your annual review, which is great.","start":53.545,"end":60.32,"sentiment":"neutral","sentiment_score":0.11118261770982492}],"sentiment":"neutral","sentiment_score":0.1648712563229368,"num_words":47,"start":27.045,"end":60.32},{"sentences":[{"text":"Before we dive into it, probably just check-in with you and see how things are going.","start":62.3,"end":68.295006,"sentiment":"neutral","sentiment_score":0.022052820189855993},{"text":"Has any significant changes personally or financially occurred for you in the last twelve months?","start":68.295006,"end":74.635,"sentiment":"neutral","sentiment_score":-0.08035078669587771},{"text":"Yes.","start":77.575005,"end":78.075005,"sentiment":"neutral","sentiment_score":-0.056399282068014145},{"text":"Yep.","start":81.495,"end":81.93,"sentiment":"neutral","sentiment_score":-0.03876874595880509},{"text":"Yes.","start":92.01,"end":92.51,"sentiment":"neutral","sentiment_score":-0.02967100031673908}],"sentiment":"neutral","sentiment_score":-0.028742814874824357,"num_words":34,"start":62.3,"end":92.51},{"sentences":[{"text":"Yep.","start":93.21,"end":93.71,"sentiment":"neutral","sentiment_score":-0.03026498481631279},{"text":"Okay.","start":106.505,"end":106.825,"sentiment":"neutral","sentiment_score":-0.1012108474969864},{"text":"Yeah.","start":106.825,"end":107.145,"sentiment":"neutral","sentiment_score":-0.06219423562288284},{"text":"So what's that dropped back down to?","start":107.145,"end":109.405,"sentiment":"neutral","sentiment_score":-0.09365398968969073},{"text":"One...","start":113.1,"end":113.6,"sentiment":"neutral","sentiment_score":-0.04953676834702492}],"sentiment":"neutral","sentiment_score":-0.08170770582827655,"num_words":11,"start":93.21,"end":113.6},{"sentences":[{"text":"Okay.","start":116.54,"end":117.04,"sentiment":"neutral","sentiment_score":-0.0714816153049469},{"text":"Okay.","start":132.00499,"end":132.50499,"sentiment":"neutral","sentiment_score":0.0001703612506389618},{"text":"Lovely.","start":136.245,"end":136.745,"sentiment":"positive","sentiment_score":0.7199808359146118},{"text":"Fantastic.","start":136.885,"end":137.385,"sentiment":"positive","sentiment_score":0.7462772130966187},{"text":"Okay.","start":138.96,"end":139.36,"sentiment":"neutral","sentiment_score":0.3186311721801758}],"sentiment":"positive","sentiment_score":0.34271559342741964,"num_words":5,"start":116.54,"end":139.36},{"sentences":[{"text":"So you've mentioned that your family details all remain the same.","start":139.36,"end":143.3,"sentiment":"neutral","sentiment_score":0.09073345227675005},{"text":"I just don't have your daughter's name.","start":143.92,"end":145.68,"sentiment":"neutral","sentiment_score":-0.06104481912084988},{"text":"What's her name?","start":145.68,"end":146.66,"sentiment":"neutral","sentiment_score":-0.02897064636150996},{"text":"Yeah.","start":155.345,"end":155.845,"sentiment":"neutral","sentiment_score":0.012455426156520844},{"text":"Yeah.","start":162.625,"end":163.125,"sentiment":"neutral","sentiment_score":0.00311576621606946}],"sentiment":"neutral","sentiment_score":0.021713630195059206,"num_words":23,"start":139.36,"end":163.125},{"sentences":[{"text":"Yep.","start":164.86499,"end":165.27,"sentiment":"neutral","sentiment_score":0.003378525841981173},{"text":"M r.","start":165.27,"end":170.49,"sentiment":"neutral","sentiment_score":0.004779250826686621},{"text":"Havoc.","start":180.39,"end":180.89,"sentiment":"neutral","sentiment_score":0.010509205982089044},{"text":"Lovely.","start":184.785,"end":185.285,"sentiment":"neutral","sentiment_score":0.3033193349838257},{"text":"And how how old is she?","start":186.225,"end":188.565,"sentiment":"neutral","sentiment_score":-0.004263564944267273}],"sentiment":"neutral","sentiment_score":0.027380379890515047,"num_words":11,"start":164.86499,"end":188.565},{"sentences":[{"text":"Oh, such a nice age.","start":190.705,"end":192.645,"sentiment":"neutral","sentiment_score":0.2178499847650528},{"text":"Yep.","start":197.09999,"end":197.59999,"sentiment":"neutral","sentiment_score":0.06522531807422638},{"text":"Yep.","start":198.22,"end":198.72,"sentiment":"neutral","sentiment_score":0.08249428123235703},{"text":"They will do that.","start":199.34,"end":200.56,"sentiment":"neutral","sentiment_score":0.1345647405833006},{"text":"So I'll just update that.","start":203.73999,"end":205.73999,"sentiment":"neutral","sentiment_score":0.1553028330206871}],"sentiment":"neutral","sentiment_score":0.15948391566053033,"num_words":16,"start":190.705,"end":205.73999},{"sentences":[{"text":"That's great.","start":205.73999,"end":206.72,"sentiment":"positive","sentiment_score":0.6444475948810577},{"text":"So what I will just flag quickly is that when I was having a look at your superannuation fund, your beneficiary nominations are to your partner, Malene, at 50 percent.","start":207.18,"end":223.58,"sentiment":"neutral","sentiment_score":0.055715968770285444},{"text":"Malene.","start":223.72,"end":224.22,"sentiment":"neutral","sentiment_score":0.02133211120963097},{"text":"Sorry.","start":224.36,"end":224.84,"sentiment":"neutral","sentiment_score":-0.07203852385282516},{"text":"My apologies.","start":224.84,"end":225.58,"sentiment":"neutral","sentiment_score":-0.15099631249904633}],"sentiment":"neutral","sentiment_score":0.07243542264526089,"num_words":36,"start":205.73999,"end":225.58},{"sentences":[{"text":"And Richard, 50%.","start":226.2,"end":228.54,"sentiment":"neutral","sentiment_score":0.017512610803047817},{"text":"Did you want to update or change?","start":228.92,"end":231.98,"sentiment":"neutral","sentiment_score":-0.00048189570329019},{"text":"Mhmm.","start":234.135,"end":234.635,"sentiment":"neutral","sentiment_score":-0.0008593529928475618},{"text":"You...","start":244.855,"end":245.355,"sentiment":"neutral","sentiment_score":0.022800114005804065},{"text":"Yeah.","start":245.495,"end":245.89499,"sentiment":"neutral","sentiment_score":0.12640529870986938}],"sentiment":"neutral","sentiment_score":0.015193124785302924,"num_words":13,"start":226.2,"end":245.89499},{"sentences":[{"text":"So you can definitely do that.","start":245.89499,"end":247.56,"sentiment":"neutral","sentiment_score":0.2016831561923027},{"text":"So with minors, if they're under 18 years of age, which Giovanni is, that is absolutely fine.","start":247.56,"end":256.28,"sentiment":"neutral","sentiment_score":0.13092639417771032},{"text":"There are a number of things that can...","start":256.28,"end":258.3,"sentiment":"neutral","sentiment_score":0.05550013575702906},{"text":"Like, a number of ways it can be paid to a child by way of a regular income or a lump sum.","start":260.52,"end":267.92502,"sentiment":"neutral","sentiment_score":0.08415385098619894},{"text":"It's typically not a lump sum when they're minors.","start":267.98502,"end":270.405,"sentiment":"neutral","sentiment_score":0.07236539448300998}],"sentiment":"neutral","sentiment_score":0.1029439031657192,"num_words":62,"start":245.89499,"end":270.405},{"sentences":[{"text":"It is tax free to your partner and your daughter due to superannuation tax dependency 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otherwise.","start":344.63,"end":347.59003,"sentiment":"neutral","sentiment_score":-0.007574009398619334},{"text":"However, you need to renew it every three years.","start":347.59003,"end":350.25,"sentiment":"neutral","sentiment_score":-0.014688559083475007},{"text":"So the difference...","start":350.625,"end":351.52502,"sentiment":"neutral","sentiment_score":-0.002138312595585982},{"text":"They're they're the main differences.","start":351.58502,"end":352.86502,"sentiment":"neutral","sentiment_score":-0.03356797881424427}],"sentiment":"neutral","sentiment_score":-0.001949293866149477,"num_words":37,"start":341.83002,"end":352.86502},{"sentences":[{"text":"So with the non lapsing, you would just change it when you submit a new form.","start":352.86502,"end":357.185,"sentiment":"neutral","sentiment_score":-0.012232198379933834},{"text":"So similar to the way you're doing it now, if you you were you 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expenditure is per week or what your savings is per 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we have...","start":647.17,"end":648.23,"sentiment":"neutral","sentiment_score":-0.10594010228912036},{"text":"No.","start":650.045,"end":650.365,"sentiment":"neutral","sentiment_score":-0.03082401305437088},{"text":"That's absolutely fine.","start":650.365,"end":651.485,"sentiment":"neutral","sentiment_score":0.22855615615844727}],"sentiment":"neutral","sentiment_score":0.03799260159333547,"num_words":9,"start":634.19495,"end":651.485},{"sentences":[{"text":"You don't need to apologize for that.","start":651.485,"end":653.345,"sentiment":"neutral","sentiment_score":-0.055597086037908285},{"text":"I just...","start":653.725,"end":654.285,"sentiment":"neutral","sentiment_score":0.02954855002462864},{"text":"It's just a good idea to get a gauge of where everything's at, make sure that everything that we recommend and have on file is actually accurate so it helps.","start":654.285,"end":661.74,"sentiment":"positive","sentiment_score":0.4660420556863149},{"text":"I have a 2,009 RAV four 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with?","start":894.14,"end":898.16003,"sentiment":"neutral","sentiment_score":0.020370764864815608},{"text":"The prices are very, very competitive for you and Giovanna...","start":898.7,"end":903.68,"sentiment":"neutral","sentiment_score":0.20396363660693168},{"text":"Not Giovanna.","start":904.46,"end":905.12,"sentiment":"neutral","sentiment_score":-0.05923996865749359}],"sentiment":"neutral","sentiment_score":0.0471342186780369,"num_words":47,"start":885.835,"end":905.12},{"sentences":[{"text":"Sorry.","start":905.18,"end":905.68,"sentiment":"neutral","sentiment_score":-0.0643564984202385},{"text":"Malaney to have a look at?","start":906.14,"end":907.68,"sentiment":"neutral","sentiment_score":-0.017691669364770252},{"text":"Yeah?","start":909.645,"end":910.125,"sentiment":"neutral","sentiment_score":0.10096628963947296},{"text":"Okay.","start":910.125,"end":910.625,"sentiment":"neutral","sentiment_score":0.2377417683601379},{"text":"Fantastic.","start":910.68506,"end":911.18506,"sentiment":"positive","sentiment_score":0.5998278856277466}],"sentiment":"neutral","sentiment_score":0.07680294290184975,"num_words":10,"start":905.18,"end":911.18506},{"sentences":[{"text":"I'll make sure I get that sent through to you post the meeting.","start":911.325,"end":914.145,"sentiment":"neutral","sentiment_score":0.3155119452052392},{"text":"I just wanna double check with you the goals and objectives that you had from your last review just to see if you, are at this still current and if you've achieved them.","start":914.84503,"end":927.78,"sentiment":"positive","sentiment_score":0.42567278399611963},{"text":"So I think the first one you have, you wanted to go to Brazil...","start":927.78,"end":930.44,"sentiment":"neutral","sentiment_score":0.15372166676180704},{"text":"Oh, no.","start":930.5,"end":931.14,"sentiment":"neutral","sentiment_score":-0.052012283354997635},{"text":"Sorry.","start":931.14,"end":931.38,"sentiment":"neutral","sentiment_score":-0.09607753157615662}],"sentiment":"neutral","sentiment_score":0.31906124437966993,"num_words":63,"start":911.325,"end":931.38},{"sentences":[{"text":"You want to go to Brazil each year to see your partner's family, and you are hoping to buy another investment property if you get a pay rise.","start":931.38,"end":939.84503,"sentiment":"neutral","sentiment_score":0.03273359706093158},{"text":"Is the investment property still on the card?","start":940.145,"end":943.605,"sentiment":"neutral","sentiment_score":0.06301443953998387},{"text":"Yeah?","start":947.425,"end":947.925,"sentiment":"neutral","sentiment_score":-0.06479237973690033},{"text":"Yes.","start":958.99,"end":959.49,"sentiment":"neutral","sentiment_score":-0.038393691182136536},{"text":"No.","start":988.33,"end":988.73,"sentiment":"neutral","sentiment_score":-0.31634432077407837}],"sentiment":"neutral","sentiment_score":0.02566989339314974,"num_words":39,"start":931.38,"end":988.73},{"sentences":[{"text":"That's okay.","start":988.73,"end":989.385,"sentiment":"neutral","sentiment_score":-0.13092864863574505},{"text":"That's...","start":990.425,"end":990.66504,"sentiment":"neutral","sentiment_score":0.0011431202292442322},{"text":"Yes.","start":990.66504,"end":991.16504,"sentiment":"neutral","sentiment_score":0.047915928065776825},{"text":"Yeah.","start":992.66504,"end":992.985,"sentiment":"neutral","sentiment_score":0.10581554472446442},{"text":"We dig deep.","start":992.985,"end":994.045,"sentiment":"neutral","sentiment_score":0.07180570811033249}],"sentiment":"neutral","sentiment_score":0.013554302509874105,"num_words":8,"start":988.73,"end":994.045},{"sentences":[{"text":"Okay.","start":996.505,"end":997.005,"sentiment":"neutral","sentiment_score":0.0619112104177475},{"text":"Yes.","start":1001.065,"end":1001.4,"sentiment":"neutral","sentiment_score":0.10286971926689148},{"text":"Okay.","start":1005.4,"end":1005.9,"sentiment":"neutral","sentiment_score":0.094425767660141},{"text":"Alright.","start":1006.2,"end":1006.7,"sentiment":"neutral","sentiment_score":0.11129850149154664},{"text":"Yeah.","start":1009.16003,"end":1009.48004,"sentiment":"neutral","sentiment_score":0.11634130030870438}],"sentiment":"neutral","sentiment_score":0.09736929982900619,"num_words":5,"start":996.505,"end":1009.48004},{"sentences":[{"text":"That's right, isn't it?","start":1009.48004,"end":1010.44,"sentiment":"neutral","sentiment_score":0.1525669526308775},{"text":"Especially with the little ones.","start":1010.44,"end":1012.06,"sentiment":"neutral","sentiment_score":0.1293101578950882},{"text":"Still wanting to travel every year to Brazil?","start":1015.13495,"end":1017.475,"sentiment":"neutral","sentiment_score":0.09769605798646808},{"text":"Yep.","start":1022.65497,"end":1023.15497,"sentiment":"neutral","sentiment_score":0.14019659161567688},{"text":"Yep.","start":1027.135,"end":1027.56,"sentiment":"neutral","sentiment_score":0.14191310107707977}],"sentiment":"neutral","sentiment_score":0.12213140824123432,"num_words":19,"start":1009.48004,"end":1027.56},{"sentences":[{"text":"Yep.","start":1032.1201,"end":1032.6201,"sentiment":"neutral","sentiment_score":0.0035071875900030136},{"text":"Yeah.","start":1050.3351,"end":1050.8351,"sentiment":"neutral","sentiment_score":-0.1666519045829773},{"text":"I understand.","start":1051.775,"end":1052.515,"sentiment":"neutral","sentiment_score":-0.18909713625907898},{"text":"Yeah.","start":1058.79,"end":1059.29,"sentiment":"neutral","sentiment_score":-0.145272359251976},{"text":"I understand.","start":1059.3501,"end":1060.01,"sentiment":"neutral","sentiment_score":-0.09452885761857033}],"sentiment":"neutral","sentiment_score":-0.12509558057146414,"num_words":7,"start":1032.1201,"end":1060.01},{"sentences":[{"text":"I understand that.","start":1060.9501,"end":1062.25,"sentiment":"neutral","sentiment_score":-0.06615320841471355},{"text":"Okay.","start":1069.685,"end":1070.185,"sentiment":"neutral","sentiment_score":0.13319464027881622},{"text":"Yep.","start":1070.9651,"end":1071.4651,"sentiment":"neutral","sentiment_score":0.14250603318214417},{"text":"Alright.","start":1071.525,"end":1072.025,"sentiment":"neutral","sentiment_score":0.26774609088897705},{"text":"Makes sense.","start":1073.3651,"end":1074.165,"sentiment":"positive","sentiment_score":0.3643920421600342}],"sentiment":"neutral","sentiment_score":0.13422140292823315,"num_words":8,"start":1060.9501,"end":1074.165},{"sentences":[{"text":"Absolutely makes sense.","start":1074.165,"end":1075.625,"sentiment":"positive","sentiment_score":0.5388761957486471},{"text":"And then looking at retirement, you've said that you would like to be able to travel to Brazil each year.","start":1076.3251,"end":1082.83,"sentiment":"neutral","sentiment_score":0.2166192777454853},{"text":"I'm assuming we chuck England in there as well.","start":1083.13,"end":1085.87,"sentiment":"neutral","sentiment_score":0.06155305479963621},{"text":"Sorry.","start":1088.1699,"end":1088.49,"sentiment":"neutral","sentiment_score":-0.12139642983675004},{"text":"A couple of times a year and draw an income of $1,500 per week at the age of 60.","start":1088.49,"end":1093.715,"sentiment":"neutral","sentiment_score":-0.13951674417445534}],"sentiment":"neutral","sentiment_score":0.07174571281155714,"num_words":52,"start":1074.165,"end":1093.715},{"sentences":[{"text":"Is that still what you're targeting?","start":1093.775,"end":1095.475,"sentiment":"neutral","sentiment_score":-0.07236871123313904},{"text":"Yeah.","start":1100.255,"end":1100.655,"sentiment":"neutral","sentiment_score":0.02648811787366867},{"text":"Okay.","start":1100.655,"end":1101.155,"sentiment":"neutral","sentiment_score":0.05189503729343414},{"text":"Okay.","start":1106.095,"end":1106.595,"sentiment":"neutral","sentiment_score":0.07553112506866455},{"text":"And with your insurance cover, you have previously said that you're happy with the levels of cover that you have as it suits your needs and provides for your family to clear debt and additional living expenses.","start":1107.33,"end":1120.9249,"sentiment":"neutral","sentiment_score":0.16839846767283775}],"sentiment":"neutral","sentiment_score":0.12935750688547673,"num_words":46,"start":1093.775,"end":1120.9249},{"sentences":[{"text":"Your level of income protection is suited based on your income, and your partner also works in the event that you're unable to.","start":1121.945,"end":1129.885,"sentiment":"neutral","sentiment_score":0.10460437153992445},{"text":"Do you think that still applies?","start":1129.945,"end":1131.485,"sentiment":"neutral","sentiment_score":0.027413411686817806},{"text":"Lovely.","start":1134.1849,"end":1134.6849,"sentiment":"positive","sentiment_score":0.411163330078125},{"text":"Oh, it will.","start":1140.96,"end":1141.84,"sentiment":"neutral","sentiment_score":0.05116412788629532},{"text":"Yeah.","start":1141.84,"end":1142.1599,"sentiment":"neutral","sentiment_score":0.045798517763614655}],"sentiment":"neutral","sentiment_score":0.09355397785411161,"num_words":34,"start":1121.945,"end":1142.1599},{"sentences":[{"text":"So as we model things out, yeah, it will.","start":1142.1599,"end":1144.8999,"sentiment":"neutral","sentiment_score":0.15491892769932747},{"text":"Alright.","start":1145.6,"end":1146.1,"sentiment":"neutral","sentiment_score":0.1434709131717682},{"text":"So I'm...","start":1147.215,"end":1148.355,"sentiment":"neutral","sentiment_score":0.05240498483181},{"text":"Do you have access to your emails at the moment?","start":1148.495,"end":1150.755,"sentiment":"neutral","sentiment_score":0.016686609387397765},{"text":"Yeah.","start":1153.375,"end":1153.875,"sentiment":"neutral","sentiment_score":0.07576476037502289}],"sentiment":"neutral","sentiment_score":0.08196443853818852,"num_words":23,"start":1142.1599,"end":1153.875},{"sentences":[{"text":"I'm gonna send you through an email.","start":1154.015,"end":1156.255,"sentiment":"neutral","sentiment_score":0.09770111313888005},{"text":"It's gonna have the review package or the review pack, we'll call it, attached, and it will come through from OdooSign and myself.","start":1156.255,"end":1166.66,"sentiment":"neutral","sentiment_score":0.10355888371882231},{"text":"And when you receive it, you'll need to open it up, and it will say sign here or click here to sign.","start":1167.6,"end":1175.86,"sentiment":"neutral","sentiment_score":0.0016087971797043626},{"text":"You're not signing anything at the moment.","start":1176.545,"end":1178.645,"sentiment":"negative","sentiment_score":-0.3790334463119507},{"text":"We're simply just gonna talk through the review pack itself and the documents.","start":1179.4249,"end":1184.965,"sentiment":"neutral","sentiment_score":-0.13257233225382292}],"sentiment":"neutral","sentiment_score":-0.017715538722566433,"num_words":72,"start":1154.015,"end":1184.965},{"sentences":[{"text":"Lovely.","start":1192.9401,"end":1193.4401,"sentiment":"positive","sentiment_score":0.6997406482696533},{"text":"If you can just click on it and let me know when the first document comes up, I'll just navigate through this review pack with you to make sure everything is exactly the way we want it and talk through any flags that I need to with you.","start":1201.02,"end":1217.0951,"sentiment":"neutral","sentiment_score":0.13996842534591755},{"text":"Okay.","start":1219.0901,"end":1219.5901,"sentiment":"neutral","sentiment_score":-0.08166086673736572},{"text":"Lovely.","start":1220.6901,"end":1221.1901,"sentiment":"neutral","sentiment_score":0.2076236605644226},{"text":"So the first document should be a summary of your super insurance.","start":1221.25,"end":1224.2301,"sentiment":"neutral","sentiment_score":0.13626005500555038}],"sentiment":"neutral","sentiment_score":0.14570330982170407,"num_words":63,"start":1192.9401,"end":1224.2301},{"sentences":[{"text":"So your super is still with hub twenty four, valued at approximately $192,806, and you have your life, TPD, and income protection through AIA, and those premiums are funded from your superannuation balance in hub twenty four.","start":1224.37,"end":1245.715,"sentiment":"neutral","sentiment_score":0.1091678836257071},{"text":"So looking at those levels of cover, you're still comfortable with what they are to meet you and your family's needs?","start":1247.22,"end":1254.04,"sentiment":"neutral","sentiment_score":0.21183172719819204},{"text":"Oh, that's the premium.","start":1272.345,"end":1273.645,"sentiment":"neutral","sentiment_score":0.024824173655360937},{"text":"That's the premium.","start":1273.865,"end":1274.925,"sentiment":"neutral","sentiment_score":0.02200974151492119},{"text":"Yeah.","start":1275.3,"end":1275.8,"sentiment":"neutral","sentiment_score":0.03518592566251755}],"sentiment":"neutral","sentiment_score":0.13163923954760487,"num_words":66,"start":1224.37,"end":1275.8},{"sentences":[{"text":"Yeah.","start":1282.9725,"end":1283.4725,"sentiment":"neutral","sentiment_score":0.03711548075079918},{"text":"Yeah.","start":1295.4451,"end":1295.9451,"sentiment":"neutral","sentiment_score":0.016585126519203186},{"text":"Okay.","start":1296.005,"end":1296.405,"sentiment":"neutral","sentiment_score":0.02438935451209545},{"text":"So the life insurance sum insured is 454,946 thousand.","start":1296.405,"end":1302.8251,"sentiment":"neutral","sentiment_score":0.015271388822131686},{"text":"So I'll use yesterday as an example because we know that it didn't happen.","start":1303.37,"end":1307.79,"sentiment":"neutral","sentiment_score":-0.039643884603200216}],"sentiment":"neutral","sentiment_score":-0.013056997048596922,"num_words":26,"start":1282.9725,"end":1307.79},{"sentences":[{"text":"If you passed away yesterday, Malaney and your daughter would receive that lump sum.","start":1308.49,"end":1314.1101,"sentiment":"neutral","sentiment_score":-0.11124367586203984},{"text":"If...","start":1315.3849,"end":1315.8849,"sentiment":"neutral","sentiment_score":-0.008433854207396507},{"text":"For TPD insurance, if you were totally and permanently disabled, so, again, if yesterday you're in a horrific car accident and you were totally and permanently disabled to the point where you'd be unable to work in your occupation or anything reasonably trained to do, you would receive that lump sum payout of the same amount, 454.","start":1316.1849,"end":1339.72,"sentiment":"neutral","sentiment_score":-0.1659702524019961},{"text":"And then what income protection covers is your up to 70% of your taxable income if you're unable to work due to injury or illness.","start":1340.1,"end":1352.0851,"sentiment":"neutral","sentiment_score":-0.10660240575671195},{"text":"Now this is kind of like a temporary unable to work instead of a total as mentioned above in total and permanent disablement.","start":1352.0851,"end":1360.41,"sentiment":"neutral","sentiment_score":-0.2734569706346678}],"sentiment":"neutral","sentiment_score":-0.16650600143087407,"num_words":120,"start":1308.49,"end":1360.41},{"sentences":[{"text":"So it it might be that...","start":1360.63,"end":1363.13,"sentiment":"neutral","sentiment_score":-0.035631210543215275},{"text":"Think of an example.","start":1366.0701,"end":1367.03,"sentiment":"neutral","sentiment_score":-0.0451474916189909},{"text":"You hurt your shoulder and you end up having to have a shoulder reconstruction and...","start":1367.03,"end":1372.87,"sentiment":"neutral","sentiment_score":-0.14804706821839014},{"text":"Or a shoulder surgery and you're gonna be off work for for three months, the first thirty days, you won't be paid.","start":1372.87,"end":1382.795,"sentiment":"neutral","sentiment_score":-0.10070266625420614},{"text":"And then the following thirty days and thirty days after that, you'll receive your benefit up to a period of five years depending on the severity of the injury or illness and how long you'll be off work for.","start":1382.855,"end":1396.08,"sentiment":"neutral","sentiment_score":-0.0468431738181374}],"sentiment":"neutral","sentiment_score":-0.07741192662222095,"num_words":86,"start":1360.63,"end":1396.08},{"sentences":[{"text":"Yep.","start":1398.54,"end":1399.04,"sentiment":"neutral","sentiment_score":0.23374758660793304},{"text":"Lovely.","start":1399.9,"end":1400.4,"sentiment":"positive","sentiment_score":0.3840950131416321},{"text":"So you don't have trauma insurance.","start":1400.62,"end":1402.915,"sentiment":"neutral","sentiment_score":0.04806649684906006},{"text":"Not sure if that's been spoken to you about in the past.","start":1403.215,"end":1406.415,"sentiment":"neutral","sentiment_score":-0.013662179776777824},{"text":"I just need to mention it.","start":1406.415,"end":1408.6749,"sentiment":"neutral","sentiment_score":-0.007916454691439867}],"sentiment":"neutral","sentiment_score":0.02672294982207509,"num_words":26,"start":1398.54,"end":1408.6749},{"sentences":[{"text":"Trauma insurance.","start":1411.2949,"end":1412.275,"sentiment":"neutral","sentiment_score":-0.006094900192692875},{"text":"Yeah.","start":1414.495,"end":1414.995,"sentiment":"neutral","sentiment_score":0.005779555067420006},{"text":"So that that type that type of policy again is a lump sum payment when you are diagnosed with an insurable event.","start":1415.64,"end":1423.72,"sentiment":"neutral","sentiment_score":0.016110328703441402},{"text":"So they range from cancer, heart attack, stroke, neurological diseases, and that premium is paid through your personal cash flow.","start":1423.72,"end":1433.375,"sentiment":"neutral","sentiment_score":0.00278224004432559},{"text":"Excuse me.","start":1434.155,"end":1435.135,"sentiment":"neutral","sentiment_score":-0.02226643357425928}],"sentiment":"neutral","sentiment_score":0.007641040848845497,"num_words":47,"start":1411.2949,"end":1435.135},{"sentences":[{"text":"Is that something that you'd be interested in exploring?","start":1436.9551,"end":1439.6951,"sentiment":"neutral","sentiment_score":-0.01508183472065462},{"text":"No?","start":1442.555,"end":1443.055,"sentiment":"neutral","sentiment_score":-0.099978007376194},{"text":"Okay.","start":1443.995,"end":1444.495,"sentiment":"neutral","sentiment_score":-0.04589340090751648},{"text":"The next document across is your performance with Hub.","start":1445.89,"end":1449.41,"sentiment":"neutral","sentiment_score":-0.03551860050194793},{"text":"So now we're moving on to your superannuation.","start":1449.41,"end":1451.59,"sentiment":"neutral","sentiment_score":-0.020672762067988515}],"sentiment":"neutral","sentiment_score":-0.027380622208251486,"num_words":28,"start":1436.9551,"end":1451.59},{"sentences":[{"text":"Overall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months.","start":1454.29,"end":1462.9651,"sentiment":"neutral","sentiment_score":-0.10983057555399443},{"text":"The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund.","start":1464.305,"end":1475.365,"sentiment":"neutral","sentiment_score":-0.27445846186442807},{"text":"The the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months.","start":1477.37,"end":1487.685,"sentiment":"negative","sentiment_score":-0.5343215361885403},{"text":"It's the way different investment managers invest money, and Bennelong's investment philosophy is that they investigate underperforming...","start":1488.005,"end":1502.7,"sentiment":"neutral","sentiment_score":-0.28126102685928345},{"text":"Oh, sorry, undervalued companies in the Australian share market for areas of potential growth.","start":1503.24,"end":1508.62,"sentiment":"neutral","sentiment_score":-0.28659468037741526}],"sentiment":"neutral","sentiment_score":-0.30745289906075124,"num_words":95,"start":1454.29,"end":1508.62},{"sentences":[{"text":"Now the last twelve months, it was the financials and resources that performed.","start":1508.9199,"end":1514.7799,"sentiment":"neutral","sentiment_score":0.06196984734672766},{"text":"Bennelong is turning around now in relation to performance, so they are performing again.","start":1516.175,"end":1521.615,"sentiment":"neutral","sentiment_score":0.31213030964136124},{"text":"However, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option.","start":1521.615,"end":1539.31,"sentiment":"neutral","sentiment_score":0.023990299307594175},{"text":"So it's...","start":1539.6101,"end":1540.43,"sentiment":"neutral","sentiment_score":0.001945045660249889},{"text":"We don't react quickly.","start":1541.93,"end":1543.31,"sentiment":"neutral","sentiment_score":-0.21290826797485352}],"sentiment":"neutral","sentiment_score":0.07379324990980538,"num_words":71,"start":1508.9199,"end":1543.31},{"sentences":[{"text":"So, you know, investments in the share market go up and down due to the volatile nature of them.","start":1543.37,"end":1550.375,"sentiment":"neutral","sentiment_score":-0.23081485221260473},{"text":"So replacing something quickly due to underperformance is where we we don't act.","start":1551.555,"end":1558.44,"sentiment":"neutral","sentiment_score":-0.23581365782480973},{"text":"We hold and wait and make informed decisions.","start":1558.6799,"end":1563.1799,"sentiment":"neutral","sentiment_score":-0.17889397591352463},{"text":"So we have made the decision that we would like to look at the appropriateness and review that for our clients within their fund.","start":1564.36,"end":1571.5599,"sentiment":"neutral","sentiment_score":0.05460020123670498},{"text":"Are you happy for me to do that?","start":1571.5599,"end":1573.455,"sentiment":"neutral","sentiment_score":0.23379119113087654}],"sentiment":"neutral","sentiment_score":-0.07918718322697613,"num_words":72,"start":1543.37,"end":1573.455},{"sentences":[{"text":"Lovely.","start":1575.9349,"end":1576.4349,"sentiment":"positive","sentiment_score":0.5855464935302734},{"text":"Okay.","start":1577.0549,"end":1577.5549,"sentiment":"neutral","sentiment_score":0.2661746144294739},{"text":"There was one other option that I did wanna include to review in your portfolio, and that's the third one down being the Beta Bank Hybrid ETF.","start":1578.8949,"end":1588.4349,"sentiment":"neutral","sentiment_score":0.1318957598672973},{"text":"There's nothing wrong with that as an investment option.","start":1589.52,"end":1594.4,"sentiment":"neutral","sentiment_score":0.14950566324922773},{"text":"It forms part of your defensive part of the portfolio.","start":1594.4,"end":1597.14,"sentiment":"neutral","sentiment_score":0.10815171152353287}],"sentiment":"neutral","sentiment_score":0.142499473101149,"num_words":48,"start":1575.9349,"end":1597.14},{"sentences":[{"text":"However, the Australian banking system has changed, And from January 2027, those bank hybrids will be phased out as an investment option through the banking system.","start":1598.16,"end":1609.8251,"sentiment":"neutral","sentiment_score":-0.01988150329830555},{"text":"So given the uncertainty surrounding what they're gonna be replaced with, because I don't know yet, I'd like to take a little bit of a more proactive approach to look at potentially a replacement now as opposed to waiting and seeing.","start":1610.285,"end":1626.7999,"sentiment":"neutral","sentiment_score":-0.04270976990824792},{"text":"Is that...","start":1627.0199,"end":1627.58,"sentiment":"neutral","sentiment_score":-0.007198513485491276},{"text":"Are you comfortable for me to look at that?","start":1627.58,"end":1629.705,"sentiment":"neutral","sentiment_score":-0.0002309833135869768},{"text":"Okay.","start":1632.745,"end":1633.245,"sentiment":"neutral","sentiment_score":0.26443028450012207}],"sentiment":"neutral","sentiment_score":-0.025570446130218385,"num_words":79,"start":1598.16,"end":1633.245},{"sentences":[{"text":"The rest of your portfolio has been performing well.","start":1633.945,"end":1638.5249,"sentiment":"positive","sentiment_score":0.4472980664836036},{"text":"You've got some great satellite niche sectors in there, being the global agriculture and your global cybersecurity, which have both performed really well, giving you a little bit of diversification to the growth market, but some niche sectors.","start":1639.625,"end":1658.36,"sentiment":"positive","sentiment_score":0.42182402704891403},{"text":"And you've got some gold exposure and also the iShares S and P five hundred, which is your global international American shares.","start":1658.8451,"end":1667.665,"sentiment":"neutral","sentiment_score":0.27105710723183374},{"text":"So you you put...","start":1669.7251,"end":1670.685,"sentiment":"neutral","sentiment_score":0.14833766967058182},{"text":"Overall, your portfolio is what...","start":1670.685,"end":1672.4451,"sentiment":"neutral","sentiment_score":0.26032002866268156}],"sentiment":"positive","sentiment_score":0.357861574452657,"num_words":78,"start":1633.945,"end":1672.4451},{"sentences":[{"text":"Is working well.","start":1672.4451,"end":1673.905,"sentiment":"neutral","sentiment_score":0.2853747308254242},{"text":"It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well.","start":1674.11,"end":1685.89,"sentiment":"neutral","sentiment_score":0.1455935673101952},{"text":"Okay.","start":1688.91,"end":1689.41,"sentiment":"neutral","sentiment_score":0.17878127098083496},{"text":"The next document along is the Vanguard index chart.","start":1690.005,"end":1693.465,"sentiment":"neutral","sentiment_score":0.040246907621622086},{"text":"This is an educational tool, and I'm gonna tie it into your...","start":1694.645,"end":1698.725,"sentiment":"neutral","sentiment_score":0.05581019291033348}],"sentiment":"neutral","sentiment_score":0.12062548420258931,"num_words":63,"start":1672.4451,"end":1698.725},{"sentences":[{"text":"Our risk profile conversation that we need to have.","start":1698.725,"end":1701.465,"sentiment":"neutral","sentiment_score":0.0033499769245584807},{"text":"So those top four along the right hand side of the page where it says US shares, Australian shares, international, and Australian listed property, they're your growth assets with the bottom two, Australian bonds and cash being your defensive style assets.","start":1701.925,"end":1720.32,"sentiment":"neutral","sentiment_score":0.02324350955101048},{"text":"Now you're currently invested as a growth investor, and what that means is that there's an allocation to growth assets and defensive assets.","start":1721.2949,"end":1734.0,"sentiment":"neutral","sentiment_score":0.017071961708690808},{"text":"So we split...","start":1734.16,"end":1735.2,"sentiment":"neutral","sentiment_score":0.0028982842341065407},{"text":"So your your superannuation funds are split to approximately 80% in those top four and twenty percent in the bottom two, and they obviously vary over time with market movement and contributions.","start":1735.2,"end":1748.74,"sentiment":"neutral","sentiment_score":0.015228210249915719}],"sentiment":"neutral","sentiment_score":0.01733135540659229,"num_words":108,"start":1698.725,"end":1748.74},{"sentences":[{"text":"The the minimum suggested time frame for a gross investor is six years.","start":1750.765,"end":1758.145,"sentiment":"neutral","sentiment_score":0.02808814925643114},{"text":"That allows you to withstand those market volatility that you can see on that lovely pretty little graph with the...","start":1758.525,"end":1766.1599,"sentiment":"neutral","sentiment_score":0.023447404522448777},{"text":"With a negative with a negative return likelihood of one year in every five years.","start":1766.1599,"end":1772.6599,"sentiment":"neutral","sentiment_score":-0.2621646096309026},{"text":"The the reason why I bring it up in this conversation is every single time we have a review, we're gonna revisit your gross...","start":1774.3999,"end":1783.455,"sentiment":"neutral","sentiment_score":-0.011549004690702228},{"text":"Sorry, your risk profile and your your attitude and tolerance to grow...","start":1784.315,"end":1788.955,"sentiment":"neutral","sentiment_score":-0.06788914278149605}],"sentiment":"neutral","sentiment_score":-0.049883582614711486,"num_words":84,"start":1750.765,"end":1788.955},{"sentences":[{"text":"To risk being...","start":1788.955,"end":1791.0349,"sentiment":"neutral","sentiment_score":-0.023384399401644867},{"text":"Risk in this conversation being those top four, those growth assets.","start":1791.0349,"end":1794.735,"sentiment":"neutral","sentiment_score":-0.0497912967746908},{"text":"Now given that you're approximately eighteen years away from being able to access your superannuation, how are you feeling with that that growth risk profile?","start":1795.26,"end":1807.2001,"sentiment":"neutral","sentiment_score":-0.057312035411596296},{"text":"So 80% to your growth assets and 20 to your defensive assets knowing that that 80% is gonna experience volatility throughout the coming years.","start":1807.3401,"end":1821.15,"sentiment":"neutral","sentiment_score":-0.050322817250465356},{"text":"Yeah.","start":1825.39,"end":1825.89,"sentiment":"neutral","sentiment_score":0.012275099754333496}],"sentiment":"neutral","sentiment_score":-0.050720794723019935,"num_words":64,"start":1788.955,"end":1825.89},{"sentences":[{"text":"Yep.","start":1826.51,"end":1827.01,"sentiment":"neutral","sentiment_score":0.01535868924111128},{"text":"Yeah.","start":1828.27,"end":1828.77,"sentiment":"neutral","sentiment_score":0.013295129872858524},{"text":"And so that means that we would look at...","start":1829.0701,"end":1832.27,"sentiment":"neutral","sentiment_score":0.0004976051342156199},{"text":"The next one down is a balanced growth investor, And in that that that risk profile, you're looking at about 70% allocated to your growth assets and 30% to your defensive assets with a negative like...","start":1832.27,"end":1851.7401,"sentiment":"neutral","sentiment_score":-0.0333661199029949},{"text":"Oh, sorry.","start":1851.88,"end":1852.4401,"sentiment":"neutral","sentiment_score":-0.0474092960357666}],"sentiment":"neutral","sentiment_score":-0.02577278863790692,"num_words":49,"start":1826.51,"end":1852.4401},{"sentences":[{"text":"A negative return likely in one every six years.","start":1852.4401,"end":1856.7001,"sentiment":"negative","sentiment_score":-0.6037233306301965},{"text":"Yeah.","start":1859.8,"end":1860.3,"sentiment":"neutral","sentiment_score":-0.0806628093123436},{"text":"You...","start":1860.52,"end":1860.8401,"sentiment":"neutral","sentiment_score":-0.059622861444950104},{"text":"You'd like to decrease to a balanced growth?","start":1860.8401,"end":1863.195,"sentiment":"neutral","sentiment_score":-0.20334039442241192},{"text":"Yeah.","start":1865.4349,"end":1865.9349,"sentiment":"neutral","sentiment_score":0.03323329985141754}],"sentiment":"negative","sentiment_score":-0.35836427509784696,"num_words":20,"start":1852.4401,"end":1865.9349},{"sentences":[{"text":"Just to dig a little bit deeper so I can make sure that I understand why.","start":1866.3949,"end":1870.575,"sentiment":"neutral","sentiment_score":-0.0212908829562366},{"text":"Well, not why, but...","start":1871.755,"end":1873.5349,"sentiment":"neutral","sentiment_score":-0.021298655308783054},{"text":"So I can make sure that I've got my notes to reflect that that we had a really good conversation about this.","start":1874.075,"end":1880.1699,"sentiment":"neutral","sentiment_score":0.20242120444097303},{"text":"What is your thought process for that?","start":1880.3099,"end":1882.65,"sentiment":"neutral","sentiment_score":0.12297099296535764},{"text":"Mhmm.","start":1892.885,"end":1893.385,"sentiment":"neutral","sentiment_score":0.03076901286840439}],"sentiment":"neutral","sentiment_score":0.09837967425584793,"num_words":50,"start":1866.3949,"end":1893.385},{"sentences":[{"text":"Yeah.","start":1914.1,"end":1914.465,"sentiment":"neutral","sentiment_score":0.1862647086381912},{"text":"That's absolutely fine.","start":1918.625,"end":1920.245,"sentiment":"neutral","sentiment_score":0.2655228177706401},{"text":"It it does.","start":1920.465,"end":1923.2849,"sentiment":"neutral","sentiment_score":0.07704669237136841},{"text":"Yep.","start":1932.2201,"end":1932.7201,"sentiment":"neutral","sentiment_score":0.03203464671969414},{"text":"I understand.","start":1937.66,"end":1938.4,"sentiment":"neutral","sentiment_score":-0.024422905407845974}],"sentiment":"neutral","sentiment_score":0.11971620749682188,"num_words":10,"start":1914.1,"end":1938.4},{"sentences":[{"text":"Okay.","start":1944.345,"end":1944.825,"sentiment":"neutral","sentiment_score":0.08277334272861481},{"text":"Nope.","start":1944.825,"end":1945.145,"sentiment":"neutral","sentiment_score":0.06807419657707214},{"text":"That's absolutely fine, and I completely understand.","start":1945.145,"end":1947.725,"sentiment":"neutral","sentiment_score":0.3003078209502356},{"text":"So just to finalize that, a gross portfolio, you're expecting a return...","start":1948.265,"end":1954.825,"sentiment":"neutral","sentiment_score":0.09059638219575088},{"text":"An average annual return of between seven to 9% per annum long term.","start":1954.825,"end":1959.8049,"sentiment":"neutral","sentiment_score":0.052757338262521304}],"sentiment":"neutral","sentiment_score":0.11841189028585658,"num_words":34,"start":1944.345,"end":1959.8049},{"sentences":[{"text":"So not per year, but long term rolling with a balanced gross being six to 8% per annum long term rolling.","start":1959.87,"end":1968.27,"sentiment":"neutral","sentiment_score":0.08638545178941318},{"text":"So you're comfortable with that slightly 1% less either side?","start":1968.27,"end":1972.77,"sentiment":"neutral","sentiment_score":0.07770209312438965},{"text":"Yep.","start":1974.35,"end":1974.765,"sentiment":"neutral","sentiment_score":0.1268344521522522},{"text":"Okay.","start":1975.005,"end":1975.405,"sentiment":"positive","sentiment_score":0.3746437430381775},{"text":"Fantastic.","start":1975.405,"end":1975.905,"sentiment":"positive","sentiment_score":0.6154299974441528}],"sentiment":"neutral","sentiment_score":0.10905951798400458,"num_words":34,"start":1959.87,"end":1975.905},{"sentences":[{"text":"That's absolutely fine.","start":1976.045,"end":1977.585,"sentiment":"positive","sentiment_score":0.555272102355957},{"text":"And I can...","start":1977.885,"end":1978.705,"sentiment":"positive","sentiment_score":0.33341463406880695},{"text":"It...","start":1982.4451,"end":1982.9451,"sentiment":"neutral","sentiment_score":0.10372817516326904},{"text":"Yeah.","start":1984.765,"end":1985.265,"sentiment":"neutral","sentiment_score":0.07025794684886932},{"text":"Yeah.","start":1986.045,"end":1986.545,"sentiment":"neutral","sentiment_score":0.02229777909815311}],"sentiment":"neutral","sentiment_score":0.31803823448717594,"num_words":9,"start":1976.045,"end":1986.545},{"sentences":[{"text":"Mhmm.","start":1990.205,"end":1990.68,"sentiment":"neutral","sentiment_score":-0.2985231876373291},{"text":"Okay.","start":1993.64,"end":1993.9601,"sentiment":"neutral","sentiment_score":-0.06990212947130203},{"text":"So great question.","start":1993.9601,"end":1995.16,"sentiment":"neutral","sentiment_score":0.1109168790280819},{"text":"So if we look at...","start":1995.16,"end":1996.78,"sentiment":"neutral","sentiment_score":0.06533286646008492},{"text":"So you're looking at that chart right now.","start":1997.0801,"end":1999.3201,"sentiment":"neutral","sentiment_score":0.004171733977273107}],"sentiment":"neutral","sentiment_score":0.018020195783012442,"num_words":18,"start":1990.205,"end":1999.3201},{"sentences":[{"text":"Still yes?","start":1999.3201,"end":2000.14,"sentiment":"neutral","sentiment_score":0.027912153862416744},{"text":"Yep.","start":2002.04,"end":2002.54,"sentiment":"neutral","sentiment_score":0.01131204329431057},{"text":"So let's look at nineteen twenty COVID nineteen.","start":2002.6001,"end":2005.645,"sentiment":"neutral","sentiment_score":-0.06958501972258091},{"text":"That's probably the most recent significant crash everyone recalls.","start":2005.7051,"end":2010.285,"sentiment":"neutral","sentiment_score":-0.277395056353675},{"text":"So you'll see along the top, there's some black writing.","start":2011.305,"end":2014.8251,"sentiment":"neutral","sentiment_score":-0.06901528779417276}],"sentiment":"neutral","sentiment_score":-0.12254173972954353,"num_words":30,"start":1999.3201,"end":2014.8251},{"sentences":[{"text":"If you navigate to COVID nineteen in the 1920 year, you'll see the market absolutely plummeted with property being one of the main ones that plummeted significantly, but we all know what happened with property after that.","start":2014.8251,"end":2032.755,"sentiment":"neutral","sentiment_score":-0.21348671977584427},{"text":"So that's that's essentially what will happen.","start":2034.675,"end":2037.235,"sentiment":"neutral","sentiment_score":-0.143390562917505},{"text":"Your portfolio, if the market crashes, your portfolio is gonna crash with it.","start":2037.235,"end":2042.295,"sentiment":"negative","sentiment_score":-0.3856387207141289},{"text":"The question is is how long do you have to allow for your portfolio to recover?","start":2043.155,"end":2050.95,"sentiment":"neutral","sentiment_score":-0.24064194783568382},{"text":"So given that it's your superannuation and you can't access it to your age 60, that's eighteen years.","start":2051.8901,"end":2059.285,"sentiment":"neutral","sentiment_score":-0.19714473187923431}],"sentiment":"neutral","sentiment_score":-0.23422991517153416,"num_words":91,"start":2014.8251,"end":2059.285},{"sentences":[{"text":"So every single year, what happens is is we have a conversation about risk profiles.","start":2061.7449,"end":2068.4849,"sentiment":"neutral","sentiment_score":-0.10967075675725937},{"text":"For example, I had a conversation yesterday with a client that is about five years away from retirement, and we're looking at...","start":2069.44,"end":2079.3,"sentiment":"neutral","sentiment_score":-0.08212119053033265},{"text":"That's the time where we'd start to look at reducing some of the growth assets and increasing our defensive assets because we we wanna lower the risk for him as he approaches retirement.","start":2080.1602,"end":2095.405,"sentiment":"neutral","sentiment_score":-0.03417038804653919},{"text":"Now he's only five years away from being able to access his superannuation.","start":2095.93,"end":2100.19,"sentiment":"neutral","sentiment_score":-0.06473509852702801},{"text":"So he needed, and logically for him, needed to reduce his risk.","start":2101.45,"end":2107.71,"sentiment":"neutral","sentiment_score":-0.07063809409737587}],"sentiment":"neutral","sentiment_score":-0.06598488166928292,"num_words":95,"start":2061.7449,"end":2107.71},{"sentences":[{"text":"If we flip it for your situation, you have your investment property, which is held in your personal name.","start":2108.505,"end":2119.565,"sentiment":"neutral","sentiment_score":0.12446522438212444},{"text":"So that's a great investment for yourself to hold personally.","start":2120.34,"end":2124.2002,"sentiment":"positive","sentiment_score":0.4193486452102661},{"text":"You've got your superannuation, which is invested across a split of growth and defensive assets.","start":2126.5,"end":2134.28,"sentiment":"neutral","sentiment_score":0.2758423566818237},{"text":"So property would consider a growth asset.","start":2134.4949,"end":2136.815,"sentiment":"neutral","sentiment_score":0.2579943984746933},{"text":"So you've got a big growth asset in your personal name sitting there that's generating you some long term growth and also some income.","start":2136.815,"end":2145.875,"sentiment":"positive","sentiment_score":0.346499428153038}],"sentiment":"neutral","sentiment_score":0.2775721084078153,"num_words":75,"start":2108.505,"end":2145.875},{"sentences":[{"text":"Now the same the same thought process can be applied to a superannuation fund.","start":2147.375,"end":2154.73,"sentiment":"neutral","sentiment_score":0.098479209999953},{"text":"We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property.","start":2156.23,"end":2173.375,"sentiment":"neutral","sentiment_score":-0.04329236760794958},{"text":"You're investing for long term growth.","start":2173.675,"end":2175.935,"sentiment":"neutral","sentiment_score":0.11562996916472912},{"text":"So if you think of your superannuation in a similar way to your investment property, me person...","start":2176.4749,"end":2186.82,"sentiment":"neutral","sentiment_score":0.08112139227416586},{"text":"Not me personally.","start":2188.32,"end":2189.3,"sentiment":"neutral","sentiment_score":-0.11956628163655598}],"sentiment":"neutral","sentiment_score":0.012162210358221126,"num_words":87,"start":2147.375,"end":2189.3},{"sentences":[{"text":"My job as an adviser is to make sure that you're invested in a risk that is appropriate for you, being your tolerance to risk and your comfort.","start":2189.84,"end":2202.615,"sentiment":"neutral","sentiment_score":-0.047396225056477954},{"text":"So one of the things I like to call it is the sleep at night test.","start":2202.675,"end":2205.9749,"sentiment":"neutral","sentiment_score":0.13818778796121478},{"text":"Is your superannuation keeping you up at night?","start":2206.26,"end":2208.74,"sentiment":"neutral","sentiment_score":0.10729377251118422},{"text":"Are you worried about the performance of it?","start":2208.74,"end":2212.82,"sentiment":"neutral","sentiment_score":-0.08199539314955473},{"text":"When the market drops, do you immediately worry about your superannuation?","start":2212.82,"end":2217.0,"sentiment":"neutral","sentiment_score":-0.21679779074408792}],"sentiment":"neutral","sentiment_score":-0.018288427570336302,"num_words":71,"start":2189.84,"end":2217.0},{"sentences":[{"text":"Or is it more that you're not sure how the market behaves and you're unsure about the level of risk to take for that?","start":2218.26,"end":2230.065,"sentiment":"neutral","sentiment_score":-0.1979335037370523},{"text":"So we can definitely drop it down to a balanced growth.","start":2235.98,"end":2238.86,"sentiment":"neutral","sentiment_score":0.14608521353114734},{"text":"And like you said, I do this day in and day out.","start":2238.86,"end":2241.5,"sentiment":"neutral","sentiment_score":0.0855822426577409},{"text":"So for me, I understand it, but...","start":2241.5,"end":2245.775,"sentiment":"neutral","sentiment_score":-0.007932879030704498},{"text":"Not understand it, but I can I can explain it and, you know, make it make sense in my head?","start":2246.9548,"end":2253.375,"sentiment":"neutral","sentiment_score":-0.0984644515439868}],"sentiment":"neutral","sentiment_score":-0.055963500176329874,"num_words":74,"start":2218.26,"end":2253.375},{"sentences":[{"text":"But for but for other people that don't do it day in and day out, it can be scary to consider losses.","start":2254.155,"end":2263.9102,"sentiment":"negative","sentiment_score":-0.39846417714249005},{"text":"Yeah.","start":2265.9702,"end":2266.4702,"sentiment":"neutral","sentiment_score":-0.12585194408893585},{"text":"Yep.","start":2272.6902,"end":2273.115,"sentiment":"neutral","sentiment_score":-0.011399763636291029},{"text":"Mhmm.","start":2275.355,"end":2275.855,"sentiment":"neutral","sentiment_score":-0.05667008459568024},{"text":"No worries at all.","start":2285.675,"end":2286.87,"sentiment":"neutral","sentiment_score":0.007871164940297604}],"sentiment":"neutral","sentiment_score":-0.30788444929981024,"num_words":29,"start":2254.155,"end":2286.87},{"sentences":[{"text":"Yep.","start":2287.4302,"end":2287.9302,"sentiment":"neutral","sentiment_score":0.022865040227770805},{"text":"Absolutely.","start":2293.35,"end":2293.85,"sentiment":"positive","sentiment_score":0.4455232322216034},{"text":"I can definitely arrange that.","start":2294.1501,"end":2296.01,"sentiment":"positive","sentiment_score":0.43614131212234497},{"text":"The next two documents are your certificates of currency.","start":2297.35,"end":2300.87,"sentiment":"neutral","sentiment_score":0.01565783584697379},{"text":"So what they are is certificates stating that your insurances are in place with AIA.","start":2300.87,"end":2306.7952,"sentiment":"neutral","sentiment_score":0.022092319031556448}],"sentiment":"neutral","sentiment_score":0.10069032713410354,"num_words":31,"start":2287.4302,"end":2306.7952},{"sentences":[{"text":"So they're the levels of cover we talked about on the first page.","start":2306.855,"end":2310.155,"sentiment":"neutral","sentiment_score":0.03359601474725283},{"text":"So they're just for your information to confirm that they are in place.","start":2310.855,"end":2314.955,"sentiment":"neutral","sentiment_score":0.04554391824282133},{"text":"The following document is our financial services guide.","start":2317.55,"end":2320.85,"sentiment":"neutral","sentiment_score":0.06215759087353945},{"text":"So you would have received this in the past, and we have an updated version.","start":2320.99,"end":2324.69,"sentiment":"neutral","sentiment_score":0.07363914002974828},{"text":"It's just...","start":2325.23,"end":2326.05,"sentiment":"neutral","sentiment_score":0.015944690443575382}],"sentiment":"neutral","sentiment_score":0.052206987003777544,"num_words":51,"start":2306.855,"end":2326.05},{"sentences":[{"text":"It's a legal requirement that we supply this to our clients to provide information.","start":2326.11,"end":2333.495,"sentiment":"neutral","sentiment_score":0.01443555680868615},{"text":"So it will tell you who we are, who we're licensed through, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, an overview of our fees, and also the complaints process should you need to do that.","start":2333.555,"end":2351.1902,"sentiment":"neutral","sentiment_score":0.0827639106175174},{"text":"And the final document is your ongoing service agreement.","start":2353.6501,"end":2358.035,"sentiment":"positive","sentiment_score":0.3390156312121285},{"text":"So each year, you'll sign a document if you wish to continue being a client and receiving advice.","start":2358.095,"end":2364.275,"sentiment":"neutral","sentiment_score":0.24450180265638563},{"text":"So for you, the annual fees for this coming year or twelve months, I should say, is $3,340.37, which is deducted monthly from your superannuation fund, which I estimate to be $278.36 per month.","start":2364.895,"end":2381.57,"sentiment":"neutral","sentiment_score":0.15480022592579618}],"sentiment":"neutral","sentiment_score":0.1382199875531287,"num_words":121,"start":2326.11,"end":2381.57},{"sentences":[{"text":"What that fee covers is your reviews that we're doing now.","start":2382.27,"end":2386.2651,"sentiment":"neutral","sentiment_score":0.09210006621750919},{"text":"The work that I'm gonna do post this to review those insurance...","start":2386.2651,"end":2391.0852,"sentiment":"neutral","sentiment_score":0.057566038177659117},{"text":"Sorry, insurance investment options and also look at a portfolio to take you down to a balanced growth.","start":2391.7852,"end":2397.5652,"sentiment":"neutral","sentiment_score":0.05301788283718957},{"text":"But you're also not limited in the amount you contact us.","start":2398.07,"end":2401.19,"sentiment":"neutral","sentiment_score":0.25648335977034137},{"text":"So you don't need to wait to each annual review if you have a question or a query or you need to seek further advice.","start":2401.19,"end":2407.69,"sentiment":"neutral","sentiment_score":0.1750716209411621}],"sentiment":"neutral","sentiment_score":0.12800418907268482,"num_words":77,"start":2382.27,"end":2407.69},{"sentences":[{"text":"You just reach out, and we make that appointment happen.","start":2408.07,"end":2410.89,"sentiment":"positive","sentiment_score":0.4165723979473114},{"text":"So that's what that fee covers you for.","start":2411.465,"end":2414.525,"sentiment":"positive","sentiment_score":0.3625262938439846},{"text":"And that's the end of those documents.","start":2416.985,"end":2419.0051,"sentiment":"neutral","sentiment_score":0.20442692509719304},{"text":"So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us.","start":2419.065,"end":2427.44,"sentiment":"positive","sentiment_score":0.36872110605239866},{"text":"And, basically, the next steps that I'm gonna do from here is I'm going to go away, do that research on that replacement fund funds, but I'm also gonna look at a different portfolio from...","start":2428.06,"end":2442.5251,"sentiment":"neutral","sentiment_score":0.07495527645306928}],"sentiment":"neutral","sentiment_score":0.2392751192126204,"num_words":85,"start":2408.07,"end":2442.5251},{"sentences":[{"text":"For you.","start":2442.5251,"end":2443.0051,"sentiment":"neutral","sentiment_score":-0.024744617752730846},{"text":"So I probably make a recommendation to change all of...","start":2443.0051,"end":2447.105,"sentiment":"neutral","sentiment_score":-0.005949592590332032},{"text":"Most of the investments within your fund, and it might not be changing them as a whole.","start":2447.3252,"end":2452.71,"sentiment":"neutral","sentiment_score":-0.0835447609424591},{"text":"It might be just reducing exposure to some of them, so reducing the amount that we have invested with them to go to to be more in line with that $70.30 split.","start":2452.71,"end":2462.17,"sentiment":"neutral","sentiment_score":-0.020366322831250727},{"text":"Yeah.","start":2464.235,"end":2464.475,"sentiment":"neutral","sentiment_score":0.2208196222782135}],"sentiment":"neutral","sentiment_score":-0.03161530331858704,"num_words":62,"start":2442.5251,"end":2464.475},{"sentences":[{"text":"So that takes about two weeks to do because then we're...","start":2464.475,"end":2469.0352,"sentiment":"neutral","sentiment_score":0.11453456499359825},{"text":"We've gotta do an advice document and then present that to you.","start":2469.0352,"end":2474.095,"sentiment":"neutral","sentiment_score":0.055110962964439146},{"text":"So I am wondering, the week beginning the October 19, what availability do you have?","start":2474.555,"end":2481.8901,"sentiment":"neutral","sentiment_score":0.009018768742680549},{"text":"Yeah.","start":2489.23,"end":2489.73,"sentiment":"neutral","sentiment_score":0.08429272472858429},{"text":"Okay.","start":2492.205,"end":2492.705,"sentiment":"neutral","sentiment_score":0.07489589601755142}],"sentiment":"neutral","sentiment_score":0.05539204805972986,"num_words":40,"start":2464.475,"end":2492.705},{"sentences":[{"text":"So if I have a...","start":2492.8452,"end":2494.7852,"sentiment":"neutral","sentiment_score":0.04888326674699783},{"text":"I can def...","start":2495.885,"end":2496.865,"sentiment":"neutral","sentiment_score":0.10332552591959636},{"text":"I can definitely do that.","start":2497.3252,"end":2498.945,"sentiment":"neutral","sentiment_score":0.20769418478012086},{"text":"So this is around twelve WA time?","start":2499.0852,"end":2503.105,"sentiment":"neutral","sentiment_score":0.025136619274105345},{"text":"Okay.","start":2505.245,"end":2505.745,"sentiment":"neutral","sentiment_score":0.09064334630966188}],"sentiment":"neutral","sentiment_score":0.08854588174394198,"num_words":21,"start":2492.8452,"end":2505.745},{"sentences":[{"text":"Let...","start":2505.885,"end":2506.2852,"sentiment":"neutral","sentiment_score":0.05081286281347275},{"text":"Because Daylight Savings, the bane of my existence will be in play by then.","start":2506.2852,"end":2510.8398,"sentiment":"neutral","sentiment_score":0.021937610847609385},{"text":"So give me one second to figure out what time that would be here to make sure that I get it right for you.","start":2510.8398,"end":2525.045,"sentiment":"neutral","sentiment_score":0.10578510506699483},{"text":"So twelve WA time is two Queensland time.","start":2526.785,"end":2532.545,"sentiment":"neutral","sentiment_score":0.04925890010781586},{"text":"So I can book that in on Thursday, the twenty second.","start":2532.545,"end":2535.605,"sentiment":"neutral","sentiment_score":0.08069437843832103}],"sentiment":"neutral","sentiment_score":0.07204295344779203,"num_words":58,"start":2505.885,"end":2535.605},{"sentences":[{"text":"Does that sound okay?","start":2536.8599,"end":2538.0798,"sentiment":"neutral","sentiment_score":0.0959426648914814},{"text":"Did you want me to send you a calendar invite and a text message the day of or the day before?","start":2538.7,"end":2544.3198,"sentiment":"neutral","sentiment_score":0.04592460110073998},{"text":"Oh, do you wanna do a different do you wanna do a different day?","start":2550.0598,"end":2552.855,"sentiment":"neutral","sentiment_score":-0.010249965491571597},{"text":"No?","start":2555.075,"end":2555.575,"sentiment":"neutral","sentiment_score":-0.032550666481256485},{"text":"Okay.","start":2556.115,"end":2556.615,"sentiment":"neutral","sentiment_score":0.00864377524703741}],"sentiment":"neutral","sentiment_score":0.028799533525981556,"num_words":41,"start":2536.8599,"end":2556.615},{"sentences":[{"text":"Okay.","start":2559.315,"end":2559.795,"sentiment":"neutral","sentiment_score":0.20147651433944705},{"text":"Fantastic.","start":2559.795,"end":2560.295,"sentiment":"positive","sentiment_score":0.4030921757221222},{"text":"Well, I'll have a a...","start":2560.515,"end":2564.73,"sentiment":"neutral","sentiment_score":0.24907413125038147},{"text":"I'll get a text scheduled to text you that morning.","start":2564.73,"end":2568.43,"sentiment":"neutral","sentiment_score":0.24959121495485306},{"text":"Lovely.","start":2570.73,"end":2571.23,"sentiment":"positive","sentiment_score":0.34404996037483215}],"sentiment":"neutral","sentiment_score":0.2605500809020466,"num_words":18,"start":2559.315,"end":2571.23},{"sentences":[{"text":"Fantastic.","start":2576.545,"end":2577.045,"sentiment":"positive","sentiment_score":0.5827228426933289},{"text":"Thank you for that, Jonathan.","start":2577.105,"end":2578.645,"sentiment":"positive","sentiment_score":0.6434083580970764},{"text":"And in the meantime, any other questions that you have for me?","start":2578.705,"end":2581.925,"sentiment":"neutral","sentiment_score":0.327785462141037},{"text":"No.","start":2584.625,"end":2585.125,"sentiment":"neutral","sentiment_score":-0.18429362773895264},{"text":"I've...","start":2588.785,"end":2589.285,"sentiment":"neutral","sentiment_score":-0.0024763792753219604}],"sentiment":"positive","sentiment_score":0.377321008592844,"num_words":20,"start":2576.545,"end":2589.285},{"sentences":[{"text":"Yeah.","start":2589.345,"end":2589.825,"sentiment":"neutral","sentiment_score":0.07742529362440109},{"text":"100%, I will do that for you.","start":2589.825,"end":2591.94,"sentiment":"neutral","sentiment_score":0.23373469071728842},{"text":"And...","start":2597.54,"end":2598.04,"sentiment":"neutral","sentiment_score":-0.0568728968501091},{"text":"Absolutely.","start":2599.38,"end":2599.88,"sentiment":"neutral","sentiment_score":-0.004015561193227768},{"text":"Absolutely.","start":2600.9,"end":2601.4,"sentiment":"neutral","sentiment_score":0.09387542307376862}],"sentiment":"neutral","sentiment_score":0.1587777357887138,"num_words":11,"start":2589.345,"end":2601.4},{"sentences":[{"text":"So they will also...","start":2602.02,"end":2603.94,"sentiment":"neutral","sentiment_score":0.021510820370167494},{"text":"If you do wish to proceed with them, they can do it via phone and all that with you as well.","start":2603.94,"end":2609.5952,"sentiment":"neutral","sentiment_score":0.09837397152469271},{"text":"So they're based here in Queensland, and the brochure does say Queensland, but it's Australia wide.","start":2610.2952,"end":2615.735,"sentiment":"neutral","sentiment_score":0.09729949734173715},{"text":"So just disregard that.","start":2615.735,"end":2617.195,"sentiment":"neutral","sentiment_score":0.05792034696787596},{"text":"And, yeah, they can work with you to do that.","start":2618.455,"end":2620.92,"sentiment":"neutral","sentiment_score":0.2114102363586426}],"sentiment":"neutral","sentiment_score":0.11008131622590801,"num_words":55,"start":2602.02,"end":2620.92},{"sentences":[{"text":"Wonderful.","start":2624.28,"end":2624.78,"sentiment":"positive","sentiment_score":0.7580232620239258},{"text":"Well, thank you so much for your time.","start":2624.92,"end":2626.52,"sentiment":"positive","sentiment_score":0.7732984200119972},{"text":"I appreciate it, and I will be speaking with you again on the twenty second.","start":2626.52,"end":2630.2998,"sentiment":"positive","sentiment_score":0.6691883603731791},{"text":"You too.","start":2632.825,"end":2633.065,"sentiment":"positive","sentiment_score":0.5586802065372467},{"text":"You too.","start":2633.065,"end":2634.365,"sentiment":"positive","sentiment_score":0.45348772406578064}],"sentiment":"positive","sentiment_score":0.6788061388901302,"num_words":28,"start":2624.28,"end":2634.365},{"sentences":[{"text":"Bye.","start":2634.425,"end":2634.925,"sentiment":"neutral","sentiment_score":0.26210981607437134},{"text":"Bye.","start":2636.585,"end":2637.085,"sentiment":"neutral","sentiment_score":-0.08853545039892197}],"sentiment":"neutral","sentiment_score":0.08678718283772469,"num_words":2,"start":2634.425,"end":2637.085}]}}]},{"alternatives":[{"transcript":"Hello? You're speaking with John. Hi, John. My son... I'm very well. Thank you. How are you? Did you did you say Jennifer? Jenna. Jenna. How are you going? Yeah. Not too bad. Thank you. I was expecting your call. Yep. That's fine. No worries. Yep. So it's mister Jonathan David Slates. It's the 10/08/1983, and my address is 25 Munford Street, North Beach 6020. No problem. Yes. Yep. There's only one thing. So the family is still the same. Daughter's a little older. So at... I'm still with Chandler McCloud. I was I was an acting team leader. So it's like I was on a secondment for twelve months, eighteen months. That's... We've had a big reshuffle, and I'm no longer acting team leader. So I'm I've stepped back down to just a recruitment consultant. So my actual salary's dropped back down, if that's something you need need to... So including super, it's a 100. So it's 80 8 not including super. Well, before, I think I was on a 100, and then super r had a team leader allowance. Yeah. I think I was on, like, a 115 before including super. Yeah. I think something like that. Yeah. 88 or a 100 including. Yep. Oh, her name's Giovanna. So g I o v a n n a, Giovanna. And then double barreled surname. So her mother's mother's surname is Nagamine. So n a g a n I n e. It's n a g n a g a m I n e. It's like a Japanese Brazilian name. Nagamine. And then and then Slaight. So so Giovanna Nagamine Slaight. That's her full name. No middle name. She's three. Yeah. Yeah. Running circles around us. Melania. Yeah. Yep. That's fine. Yeah. Yeah. You can probably... So my brother's in The UK, Richard. How does it work with putting kids on there? Can you do that? Or how does it Yeah. Yeah. I haven't done the wheel yet. It has been on the cards for a few years. You probably know how it is talking to so many people who never get around to doing it. Yeah. Just just just put fifty fifty then. Melanie and Giovanna. If... Yeah. Yep. Let's just stick with that. Yeah. Yeah. And then if if we need to change it in twelve months, we do that then. That's fine. Cool. It's the 06/04/2024. So two bit years? Just over two years? Yeah. Still full time. Yeah. Yeah. Alright. No. At the moment, nothing. We're kind of... Well, what I've been doing is when I get paid, I pay my mortgage and my rent straight into my offset account or my redraw account with my mortgage provider. And then then I pay my rent out of that when it's due. And then if there's, you know, if there's bits and pieces left. But at the moment, we're... We've been asked to vacate our rental in November, so we're looking for somewhere I need to live and with the pay decrease. Yeah. It's the... I'm still adjusting to that discrepancy. That's the right word. So, yeah, I'm not saving any money at the moment, really. If anything, it's, you know, it's a couple of $100 here and there that I don't even really look at once the mortgage is paid and the rents come out. Like, I think there's $9 sitting in that redraw account, but then I know the mortgage will come out of that on the October 5, and there's two more... Two or three more rents to come out of it. You know? And then with the move and the... Having to put a new bond down and two weeks rent upfront, that's gonna swallow most of that up until I get the bond back on the current rental. So, yeah, that... Like, the whole save is all up in the air, and it's gonna go up and down in the next, you know, couple of months. But I'm just, yeah, I'm just grateful that there is some money in there because when I did the, what's it called, refinancing last year, it gave me a bit of a bit of a buffer. So this... Have a few few pennies in the bank, you know? So the one up in Butler, it's currently sitting at 600, but I've I've requested to increase that to $6.50. And that would take effect around the same sort of time as as my lease is up, which is early November, I believe. So that will increase to $6.50 in in the next, well, next month, I'd say. Well, it's breaking even with the real estate... With with the real estate fees, and then we've just had another increase hike. So I don't know what's... Yeah. I'm I'm I'm certainly not making any money. Like, I I know I've been negative gearing for years and years. Not out of choice, but just because, you know, I can't really charge that much more up up there, up north, up in Butler. If it was in the city or somewhere else, I probably could. Because because Melanie, she's charging 700 for hers, and hers is half the size, but it's... But she's... Hers is in Scarborough, you know, and it's a prime location for tourists and backpackers and, you know, you name it. Say that. I'd I'd say I'm breaking I'm I'm breaking even. If not, I'm having CX in the fund out of my own pocket a little bit. Sorry. I don't have the numbers in front of me. Yep. Yep. Yes. So we still have that car, but I wouldn't say the value is at 9,000 now. I'd say it's around 6. It's funny because we we actually just... The missus had a had a crash couple of months... About a month or so ago, and RAC valued it at... I think it was just under 6,000. So... Yeah. It's... It was 9 when we bought it about four years ago, but just to, yeah, devaluate it over time. Yeah. Yeah. It was it was only minor. They they they Yep. They gave us the option. Do you want us to pay you out or do you wanna fix it? Because there's such low kilometers on it because, you know, we... She drives and it's only five minutes a day because her work and childcare is so close and I think It's loads... Okay, and we just spent $3 on our service and knew this and knew that. So we wanted to keep it. You know? So we got it fixed. Yeah. Yeah. So I'll tell you to go over that. Let's bring it up. So Great Southern Bank is still active. There's there's no... It's only 5,000 and there's no money owed on that at all. At least... Yeah. 5,000 limit and the balance is zero. The Westpac, it is... I think it's 7,000 limit. $6.07. Yeah. It's around the 7,000 limit. And, yeah, I still owe about 5 on that. But there is another credit card I'd like to add. American Express, we we got this card because we used it to go to Brazil early one in the year, and then we paid it off straight away. So that's it's... That's $10,000 limit, and the balance on that is 3,000 at the moment. Yep. Yep. No. Well, yes. Technically, yes. I'm I'm I'm I'm not smoking. I'm on the vape now. I'm not sure if that... If it's the same thing. It's it's no tar, no smoke. So I have been for six months plus, mainly mainly for financial reasons. And and, yeah, health reasons. I'm in the gym now, and I'm running and stuff, and I feel a lot healthier. So... Yeah. I've also changed my private health if that's gonna be a question. So I'm now with HBS, I believe. HBS. Yep. And Giovanna is actually on that policy as well. Just the two of us. Yes, please. Yeah. Definitely. Yeah. That's that's on the back burner for now, I'd say. Yeah. With the rates and... I think, like, I did inquire. I've got a pretty good broker, but the borrow... My borrowing power wasn't the best. I think it's the way that everything's structured and, you know, how, you know, a lot of people are using their super. It... I could only borrow maybe up to 500 or 600,000, and it would mean having to get a small apartment and lease that in the city or something. And then... Yeah. And then, yeah, life gets in the way, and it goes on the back burner for a few months. And and then and then I took the pay cut. So I haven't achieved that. No? To go get in the houses. Telling you my life story. Yeah. Yeah. But, no, that's definitely on the list of something I want to achieve once we've moved into a new rental and life settled down a little bit for sure. If ever so then. The missus definitely wants to travel every year. Next year, I I... Yeah. So it's either Brazil or England. She'll she'll go to Brazil every year, and I'll either go to Brazil or England every year. That's... That is a is a plan, but I know financially, I may... Every second year, I may just need to stay home and let them let them head off and see her family. And It's just not financially feasible at the moment to go every year. I can't refinance I can't refinance the house every year just so we can have a holiday. That's ridiculous. You know? So, yeah, just using savings and putting a few quid away and and trying to get to, you know, get those flights covered by other means. Yeah. Yeah. I suppose so. Yeah. Yeah. Yep. Yep. So you're putting in my new my new salary. Will that adjust those bits and pieces in the background, will it? Or... Yeah. Yeah. Cool. I do. Yeah. On my phone. Yeah. Yep. Okay. It's come through. Okay. What do you need me to do? Okay. Yeah. Okay. Far away. 6,000 a month. Total benefit paid from super. 2,000 per annum. Oh, that's the premium. Okay. So income protection. So so either life or total or permanent disability, it's 6,300 a month that I'd receive or Melanie would receive. Yeah? Okay. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. I understand. Yep. Yep. Cool. I understand that. That's all good. What was that code again, sir? Oklahoma. No. I don't think so. No. Not yet. No. Wait. Yep. Yep. That sounds fine. Yep. Yep. That's fine. Excellent. Sounds good. Yes. Yeah. I think I'd like to lower the risk, to be honest. Okay. Let's go with that. Yeah. I think so. Yep. Well, like, obviously, it's you you know, you you do this every day. Right? So you you know the ins and outs of this where I think I was happy to take I was happy to to take more of a risk in my my younger years, but I think I just... I'd rather know that. I think because of my family, I I I just wanna... I just feel more comfortable with less risk, if that makes sense. It just... Does that make sense? Like, I'd rather not have all my eggs in in in one basket. I'd rather just have my safety basket and then, you know, a couple of fingers out of the boat seeing, you know, if we can... If it's a 70 30, that's still that's still... You know, we can still achieve some goals there. Yeah. Yep. Yes. Yep. Yep. Like, I'm still gonna see that number grow. Right? The number's gonna keep growing with the contributions and and and the investing. But if if the market was if the market was to completely crash tomorrow, what would happen what would happen to those funds? Yes. Yes. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. Yes. Yes. Yeah. Yes. Yep. Okay. Yes. Yeah. Okay. I think... Yeah. Drop it down then to the $70.30, the balance. Like, we know that we got the we know that we got the investment. We know that we still got eighteen years. We're only reducing it by 1%. Let's see how that let's see how that plays out for twelve months, and then we'll we'll look at it again next year. Whether we just revert it back or or, yeah, see what's happening around the world then. Okay. Yeah. Perfect. Yeah. Perfect. To be honest, around this sort of time, Monday to Friday, I'm I'm pretty free. I don't... Work's pretty flexible. Yeah. Yeah. As long as you remind me on the day. Right. Yeah. Yep. Yeah. Yeah. Day day off. Text message day off. I remember the day. It's my brother's birthday, so that's that's fine. 12:00. No. No. No. No. No. No. That's fine. Yep. Twenty second. No. Easy... Easier to remember. Yep. Perfect. I'll just sign those documents. They they should... You should get them back in a second. No. Not really. If you can send me through that information about the about the wheels, that'd be great. Once we're settled into a new rental where, you know, that'll be the next thing we can, you know, strike off the list when we get around to it. Oh, brilliant. Yep. Excellent. Sounds good. Thanks, Jenna. Excellent. Have a great afternoon. Thanks, mate. Appreciate it. See you. Bye bye. 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nHello? You're speaking with John. Hi, John. My son... I'm very well.\n\nThank you. How are you? Did you did you say Jennifer? Jenna. Jenna.\n\nHow are you going? Yeah. Not too bad. Thank you. I was expecting your call.\n\nYep. That's fine. No worries. Yep. So it's mister Jonathan David Slates.\n\nIt's the 10/08/1983, and my address is 25 Munford Street, North Beach 6020. No problem. Yes. Yep. There's only one thing.\n\nSo the family is still the same. Daughter's a little older. So at... I'm still with Chandler McCloud. I was I was an acting team leader.\n\nSo it's like I was on a secondment for twelve months, eighteen months. That's... We've had a big reshuffle, and I'm no longer acting team leader. So I'm I've stepped back down to just a recruitment consultant. So my actual salary's dropped back down, if that's something you need need to...\n\nSo including super, it's a 100. So it's 80 8 not including super. Well, before, I think I was on a 100, and then super r had a team leader allowance. Yeah. I think I was on, like, a 115 before including super.\n\nYeah. I think something like that. Yeah. 88 or a 100 including. Yep.\n\nOh, her name's Giovanna. So g I o v a n n a, Giovanna. And then double barreled surname. So her mother's mother's surname is Nagamine. So n a g a n I n e.\n\nIt's n a g n a g a m I n e. It's like a Japanese Brazilian name. Nagamine. And then and then Slaight. So so Giovanna Nagamine Slaight.\n\nThat's her full name. No middle name. She's three. Yeah. Yeah.\n\nRunning circles around us. Melania. Yeah. Yep. That's fine.\n\nYeah. Yeah. You can probably... So my brother's in The UK, Richard. How does it work with putting kids on there?\n\nCan you do that? Or how does it Yeah. Yeah. I haven't done the wheel yet. It has been on the cards for a few years.\n\nYou probably know how it is talking to so many people who never get around to doing it. Yeah. Just just just put fifty fifty then. Melanie and Giovanna. If...\n\nYeah. Yep. Let's just stick with that. Yeah. Yeah.\n\nAnd then if if we need to change it in twelve months, we do that then. That's fine. Cool. It's the 06/04/2024. So two bit years?\n\nJust over two years? Yeah. Still full time. Yeah. Yeah.\n\nAlright. No. At the moment, nothing. We're kind of... Well, what I've been doing is when I get paid, I pay my mortgage and my rent straight into my offset account or my redraw account with my mortgage provider.\n\nAnd then then I pay my rent out of that when it's due. And then if there's, you know, if there's bits and pieces left. But at the moment, we're... We've been asked to vacate our rental in November, so we're looking for somewhere I need to live and with the pay decrease. Yeah.\n\nIt's the... I'm still adjusting to that discrepancy. That's the right word. So, yeah, I'm not saving any money at the moment, really. If anything, it's, you know, it's a couple of $100 here and there that I don't even really look at once the mortgage is paid and the rents come out.\n\nLike, I think there's $9 sitting in that redraw account, but then I know the mortgage will come out of that on the October 5, and there's two more... Two or three more rents to come out of it. You know? And then with the move and the... Having to put a new bond down and two weeks rent upfront, that's gonna swallow most of that up until I get the bond back on the current rental.\n\nSo, yeah, that... Like, the whole save is all up in the air, and it's gonna go up and down in the next, you know, couple of months. But I'm just, yeah, I'm just grateful that there is some money in there because when I did the, what's it called, refinancing last year, it gave me a bit of a bit of a buffer. So this... Have a few few pennies in the bank, you know?\n\nSo the one up in Butler, it's currently sitting at 600, but I've I've requested to increase that to $6.50. And that would take effect around the same sort of time as as my lease is up, which is early November, I believe. So that will increase to $6.50 in in the next, well, next month, I'd say. Well, it's breaking even with the real estate... With with the real estate fees, and then we've just had another increase hike.\n\nSo I don't know what's... Yeah. I'm I'm I'm certainly not making any money. Like, I I know I've been negative gearing for years and years. Not out of choice, but just because, you know, I can't really charge that much more up up there, up north, up in Butler.\n\nIf it was in the city or somewhere else, I probably could. Because because Melanie, she's charging 700 for hers, and hers is half the size, but it's... But she's... Hers is in Scarborough, you know, and it's a prime location for tourists and backpackers and, you know, you name it. Say that.\n\nI'd I'd say I'm breaking I'm I'm breaking even. If not, I'm having CX in the fund out of my own pocket a little bit. Sorry. I don't have the numbers in front of me. Yep.\n\nYep. Yes. So we still have that car, but I wouldn't say the value is at 9,000 now. I'd say it's around 6. It's funny because we we actually just...\n\nThe missus had a had a crash couple of months... About a month or so ago, and RAC valued it at... I think it was just under 6,000. So... Yeah.\n\nIt's... It was 9 when we bought it about four years ago, but just to, yeah, devaluate it over time. Yeah. Yeah. It was it was only minor.\n\nThey they they Yep. They gave us the option. Do you want us to pay you out or do you wanna fix it? Because there's such low kilometers on it because, you know, we... She drives and it's only five minutes a day because her work and childcare is so close and I think It's loads...\n\nOkay, and we just spent $3 on our service and knew this and knew that. So we wanted to keep it. You know? So we got it fixed. Yeah.\n\nYeah. So I'll tell you to go over that. Let's bring it up. So Great Southern Bank is still active. There's there's no...\n\nIt's only 5,000 and there's no money owed on that at all. At least... Yeah. 5,000 limit and the balance is zero. The Westpac, it is...\n\nI think it's 7,000 limit. $6.07. Yeah. It's around the 7,000 limit. And, yeah, I still owe about 5 on that.\n\nBut there is another credit card I'd like to add. American Express, we we got this card because we used it to go to Brazil early one in the year, and then we paid it off straight away. So that's it's... That's $10,000 limit, and the balance on that is 3,000 at the moment. Yep.\n\nYep. No. Well, yes. Technically, yes. I'm I'm I'm I'm not smoking.\n\nI'm on the vape now. I'm not sure if that... If it's the same thing. It's it's no tar, no smoke. So I have been for six months plus, mainly mainly for financial reasons.\n\nAnd and, yeah, health reasons. I'm in the gym now, and I'm running and stuff, and I feel a lot healthier. So... Yeah. I've also changed my private health if that's gonna be a question.\n\nSo I'm now with HBS, I believe. HBS. Yep. And Giovanna is actually on that policy as well. Just the two of us.\n\nYes, please. Yeah. Definitely. Yeah. That's that's on the back burner for now, I'd say.\n\nYeah. With the rates and... I think, like, I did inquire. I've got a pretty good broker, but the borrow... My borrowing power wasn't the best.\n\nI think it's the way that everything's structured and, you know, how, you know, a lot of people are using their super. It... I could only borrow maybe up to 500 or 600,000, and it would mean having to get a small apartment and lease that in the city or something. And then... Yeah.\n\nAnd then, yeah, life gets in the way, and it goes on the back burner for a few months. And and then and then I took the pay cut. So I haven't achieved that. No? To go get in the houses.\n\nTelling you my life story. Yeah. Yeah. But, no, that's definitely on the list of something I want to achieve once we've moved into a new rental and life settled down a little bit for sure. If ever so then.\n\nThe missus definitely wants to travel every year. Next year, I I... Yeah. So it's either Brazil or England. She'll she'll go to Brazil every year, and I'll either go to Brazil or England every year.\n\nThat's... That is a is a plan, but I know financially, I may... Every second year, I may just need to stay home and let them let them head off and see her family. And It's just not financially feasible at the moment to go every year. I can't refinance I can't refinance the house every year just so we can have a holiday.\n\nThat's ridiculous. You know? So, yeah, just using savings and putting a few quid away and and trying to get to, you know, get those flights covered by other means. Yeah. Yeah.\n\nI suppose so. Yeah. Yeah. Yep. Yep.\n\nSo you're putting in my new my new salary. Will that adjust those bits and pieces in the background, will it? Or... Yeah. Yeah.\n\nCool. I do. Yeah. On my phone. Yeah.\n\nYep. Okay. It's come through. Okay. What do you need me to do?\n\nOkay. Yeah. Okay. Far away. 6,000 a month.\n\nTotal benefit paid from super. 2,000 per annum. Oh, that's the premium. Okay. So income protection.\n\nSo so either life or total or permanent disability, it's 6,300 a month that I'd receive or Melanie would receive. Yeah? Okay. Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nI understand. Yep. Yep. Cool. I understand that.\n\nThat's all good. What was that code again, sir? Oklahoma. No. I don't think so.\n\nNo. Not yet. No. Wait. Yep.\n\nYep. That sounds fine. Yep. Yep. That's fine.\n\nExcellent. Sounds good. Yes. Yeah. I think I'd like to lower the risk, to be honest.\n\nOkay. Let's go with that. Yeah. I think so. Yep.\n\nWell, like, obviously, it's you you know, you you do this every day. Right? So you you know the ins and outs of this where I think I was happy to take I was happy to to take more of a risk in my my younger years, but I think I just... I'd rather know that. I think because of my family, I I I just wanna...\n\nI just feel more comfortable with less risk, if that makes sense. It just... Does that make sense? Like, I'd rather not have all my eggs in in in one basket. I'd rather just have my safety basket and then, you know, a couple of fingers out of the boat seeing, you know, if we can...\n\nIf it's a 70 30, that's still that's still... You know, we can still achieve some goals there. Yeah. Yep. Yes.\n\nYep. Yep. Like, I'm still gonna see that number grow. Right? The number's gonna keep growing with the contributions and and and the investing.\n\nBut if if the market was if the market was to completely crash tomorrow, what would happen what would happen to those funds? Yes. Yes. Yeah. Yeah.\n\nYeah. Yeah. Okay. Yep. Yep.\n\nYes. Yes. Yeah. Yes. Yep.\n\nOkay. Yes. Yeah. Okay. I think...\n\nYeah. Drop it down then to the $70.30, the balance. Like, we know that we got the we know that we got the investment. We know that we still got eighteen years. We're only reducing it by 1%.\n\nLet's see how that let's see how that plays out for twelve months, and then we'll we'll look at it again next year. Whether we just revert it back or or, yeah, see what's happening around the world then. Okay. Yeah. Perfect.\n\nYeah. Perfect. To be honest, around this sort of time, Monday to Friday, I'm I'm pretty free. I don't... Work's pretty flexible.\n\nYeah. Yeah. As long as you remind me on the day. Right. Yeah.\n\nYep. Yeah. Yeah. Day day off. Text message day off.\n\nI remember the day. It's my brother's birthday, so that's that's fine. 12:00. No. No.\n\nNo. No. No. No. That's fine.\n\nYep. Twenty second. No. Easy... Easier to remember.\n\nYep. Perfect. I'll just sign those documents. They they should... You should get them back in a second.\n\nNo. Not really. If you can send me through that information about the about the wheels, that'd be great. Once we're settled into a new rental where, you know, that'll be the next thing we can, you know, strike off the list when we get around to it. Oh, brilliant.\n\nYep. Excellent. Sounds good. Thanks, Jenna. Excellent.\n\nHave a great afternoon. Thanks, mate. Appreciate it. See you. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.004349861294031143},{"text":"You're speaking with John.","start":2.1599998,"end":3.22,"sentiment":"neutral","sentiment_score":0.003706597723066807},{"text":"Hi, John.","start":4.48,"end":5.04,"sentiment":"neutral","sentiment_score":0.11460516601800919},{"text":"My son...","start":5.04,"end":5.7,"sentiment":"neutral","sentiment_score":0.10099801421165466},{"text":"I'm very well.","start":7.8399997,"end":8.559999,"sentiment":"positive","sentiment_score":0.5252123673756918}],"sentiment":"neutral","sentiment_score":0.16883497623105845,"num_words":12,"start":1.76,"end":8.559999},{"sentences":[{"text":"Thank you.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.6044046878814697},{"text":"How are you?","start":8.96,"end":9.36,"sentiment":"neutral","sentiment_score":0.24789184828599295},{"text":"Did you did you say Jennifer?","start":9.36,"end":10.9,"sentiment":"neutral","sentiment_score":0.030793288101752598},{"text":"Jenna.","start":12.88,"end":13.36,"sentiment":"neutral","sentiment_score":0.050410330295562744},{"text":"Jenna.","start":13.36,"end":13.84,"sentiment":"neutral","sentiment_score":0.07857201248407364}],"sentiment":"neutral","sentiment_score":0.1743251532316208,"num_words":13,"start":8.559999,"end":13.84},{"sentences":[{"text":"How are you going?","start":13.84,"end":14.91,"sentiment":"neutral","sentiment_score":0.15655064582824707},{"text":"Yeah.","start":16.744999,"end":16.985,"sentiment":"neutral","sentiment_score":0.1528310775756836},{"text":"Not too bad.","start":16.985,"end":17.705,"sentiment":"neutral","sentiment_score":0.23152908186117807},{"text":"Thank you.","start":17.705,"end":18.265,"sentiment":"positive","sentiment_score":0.4813726246356964},{"text":"I was expecting your call.","start":18.265,"end":19.724998,"sentiment":"neutral","sentiment_score":0.2601544946432114}],"sentiment":"neutral","sentiment_score":0.24914257526397704,"num_words":15,"start":13.84,"end":19.724998},{"sentences":[{"text":"Yep.","start":28.345,"end":28.664999,"sentiment":"neutral","sentiment_score":0.06589484214782715},{"text":"That's fine.","start":28.664999,"end":29.404999,"sentiment":"neutral","sentiment_score":0.145626500248909},{"text":"No worries.","start":29.81,"end":30.47,"sentiment":"neutral","sentiment_score":0.09958573803305626},{"text":"Yep.","start":36.93,"end":37.17,"sentiment":"neutral","sentiment_score":0.04827144369482994},{"text":"So it's mister Jonathan David Slates.","start":37.17,"end":39.43,"sentiment":"neutral","sentiment_score":0.035930887795984745}],"sentiment":"neutral","sentiment_score":0.06834800743187468,"num_words":12,"start":28.345,"end":39.43},{"sentences":[{"text":"It's the 10/08/1983, and my address is 25 Munford Street, North Beach 6020.","start":39.809998,"end":49.425,"sentiment":"neutral","sentiment_score":0.046706211394988574},{"text":"No problem.","start":53.245,"end":53.905,"sentiment":"neutral","sentiment_score":0.2057950496673584},{"text":"Yes.","start":59.7,"end":60.2,"sentiment":"neutral","sentiment_score":0.21923983097076416},{"text":"Yep.","start":60.66,"end":61.16,"sentiment":"neutral","sentiment_score":0.12255935370922089},{"text":"There's only one thing.","start":75.405,"end":76.785,"sentiment":"neutral","sentiment_score":-0.10482733696699142}],"sentiment":"neutral","sentiment_score":0.044821937346742266,"num_words":21,"start":39.809998,"end":76.785},{"sentences":[{"text":"So the family is still the same.","start":77.165,"end":78.945,"sentiment":"neutral","sentiment_score":-0.08903197731290545},{"text":"Daughter's a little older.","start":79.325005,"end":80.545,"sentiment":"neutral","sentiment_score":-0.08791126869618893},{"text":"So at...","start":81.885,"end":82.605,"sentiment":"neutral","sentiment_score":-0.05575605109333992},{"text":"I'm still with Chandler McCloud.","start":82.605,"end":84.145004,"sentiment":"neutral","sentiment_score":-0.07611405551433563},{"text":"I was I was an acting team leader.","start":84.99,"end":87.95,"sentiment":"neutral","sentiment_score":-0.07626860029995441}],"sentiment":"neutral","sentiment_score":-0.07988846531281105,"num_words":26,"start":77.165,"end":87.95},{"sentences":[{"text":"So it's like I was on a secondment for twelve months, eighteen months.","start":87.95,"end":91.97,"sentiment":"neutral","sentiment_score":-0.12513590833315483},{"text":"That's...","start":93.55,"end":94.03,"sentiment":"neutral","sentiment_score":-0.03895821794867515},{"text":"We've had a big reshuffle, and I'm no longer acting team leader.","start":94.03,"end":97.71,"sentiment":"neutral","sentiment_score":-0.25790708884596825},{"text":"So I'm I've stepped back down to just a recruitment consultant.","start":97.71,"end":101.225,"sentiment":"neutral","sentiment_score":-0.2027246911417354},{"text":"So my actual salary's dropped back down, if that's something you need need to...","start":101.365,"end":108.024994,"sentiment":"neutral","sentiment_score":-0.22410618088075093}],"sentiment":"neutral","sentiment_score":-0.19858957308472372,"num_words":51,"start":87.95,"end":108.024994},{"sentences":[{"text":"So including super, it's a 100.","start":109.84499,"end":112.185,"sentiment":"neutral","sentiment_score":-0.06863319252928098},{"text":"So it's 80 8 not including super.","start":112.69,"end":115.75,"sentiment":"neutral","sentiment_score":-0.06799458339810371},{"text":"Well, before, I think I was on a 100, and then super r had a team leader allowance.","start":117.25,"end":123.11,"sentiment":"neutral","sentiment_score":-0.005478725302964449},{"text":"Yeah.","start":123.17,"end":123.409996,"sentiment":"neutral","sentiment_score":0.0003436049446463585},{"text":"I think I was on, like, a 115 before including super.","start":123.409996,"end":129.555,"sentiment":"neutral","sentiment_score":-0.005684076342731714}],"sentiment":"neutral","sentiment_score":-0.024385105331190104,"num_words":43,"start":109.84499,"end":129.555},{"sentences":[{"text":"Yeah.","start":130.415,"end":130.915,"sentiment":"neutral","sentiment_score":0.003537301439791918},{"text":"I think something like that.","start":131.535,"end":133.135,"sentiment":"neutral","sentiment_score":-0.0016924668103456496},{"text":"Yeah.","start":133.135,"end":133.375,"sentiment":"neutral","sentiment_score":0.015556465834379196},{"text":"88 or a 100 including.","start":133.375,"end":134.995,"sentiment":"neutral","sentiment_score":0.0287174716591835},{"text":"Yep.","start":146.22,"end":146.72,"sentiment":"neutral","sentiment_score":0.005607606377452612}],"sentiment":"neutral","sentiment_score":0.012294338299677922,"num_words":13,"start":130.415,"end":146.72},{"sentences":[{"text":"Oh, her name's Giovanna.","start":146.78,"end":148.31999,"sentiment":"neutral","sentiment_score":0.011486688861623406},{"text":"So g I o v a n n a, Giovanna.","start":149.01999,"end":154.4,"sentiment":"neutral","sentiment_score":0.011480397824198008},{"text":"And then double barreled surname.","start":155.145,"end":157.725,"sentiment":"neutral","sentiment_score":0.010932010784745216},{"text":"So her mother's mother's surname is Nagamine.","start":157.865,"end":161.645,"sentiment":"neutral","sentiment_score":0.010094352864793368},{"text":"So n a g a n I n e.","start":162.025,"end":168.605,"sentiment":"neutral","sentiment_score":0.002829080525164803}],"sentiment":"neutral","sentiment_score":0.008900942354063903,"num_words":35,"start":146.78,"end":168.605},{"sentences":[{"text":"It's n a g n a g a m I n e.","start":169.96,"end":174.94,"sentiment":"neutral","sentiment_score":0.0086880939003701},{"text":"It's like a Japanese Brazilian 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three.","start":188.89499,"end":189.715,"sentiment":"neutral","sentiment_score":0.00239797355607152},{"text":"Yeah.","start":193.45499,"end":193.95499,"sentiment":"neutral","sentiment_score":0.08508507907390594},{"text":"Yeah.","start":194.015,"end":194.515,"sentiment":"neutral","sentiment_score":0.057529546320438385}],"sentiment":"neutral","sentiment_score":0.08162662124430592,"num_words":11,"start":184.28,"end":194.515},{"sentences":[{"text":"Running circles around us.","start":194.655,"end":196.19499,"sentiment":"neutral","sentiment_score":0.05199425760656595},{"text":"Melania.","start":222.365,"end":222.845,"sentiment":"neutral","sentiment_score":0.04528309032320976},{"text":"Yeah.","start":222.845,"end":223.345,"sentiment":"neutral","sentiment_score":0.03726352006196976},{"text":"Yep.","start":224.285,"end":224.785,"sentiment":"neutral","sentiment_score":0.006300244014710188},{"text":"That's fine.","start":225.965,"end":226.785,"sentiment":"neutral","sentiment_score":0.004199247807264328}],"sentiment":"neutral","sentiment_score":0.03391359782674246,"num_words":9,"start":194.655,"end":226.785},{"sentences":[{"text":"Yeah.","start":229.245,"end":229.745,"sentiment":"neutral","sentiment_score":0.003989558666944504},{"text":"Yeah.","start":233.77,"end":234.17,"sentiment":"neutral","sentiment_score":0.00467621348798275},{"text":"You can probably...","start":234.17,"end":234.99,"sentiment":"neutral","sentiment_score":-0.005375853118797143},{"text":"So my brother's in The UK, Richard.","start":236.17,"end":238.51001,"sentiment":"neutral","sentiment_score":0.003006464535636561},{"text":"How does it work with putting kids on there?","start":240.89,"end":242.89,"sentiment":"neutral","sentiment_score":0.006189136248495843}],"sentiment":"neutral","sentiment_score":0.0032993186087835404,"num_words":21,"start":229.245,"end":242.89},{"sentences":[{"text":"Can you do that?","start":242.89,"end":243.69,"sentiment":"neutral","sentiment_score":0.006705182371661067},{"text":"Or how does it Yeah.","start":243.69,"end":301.705,"sentiment":"neutral","sentiment_score":0.0013945356011390686},{"text":"Yeah.","start":301.705,"end":302.10498,"sentiment":"neutral","sentiment_score":0.012274380773305891},{"text":"I haven't done the wheel yet.","start":302.10498,"end":303.305,"sentiment":"neutral","sentiment_score":-0.05485835360984007},{"text":"It has been on the cards for a few years.","start":303.305,"end":305.565,"sentiment":"neutral","sentiment_score":-0.055799749493598935}],"sentiment":"neutral","sentiment_score":-0.032349224166514784,"num_words":26,"start":242.89,"end":305.565},{"sentences":[{"text":"You probably know how it is talking to so many people who never get around to doing it.","start":305.625,"end":310.04498,"sentiment":"neutral","sentiment_score":-0.034374890538553395},{"text":"Yeah.","start":312.55,"end":312.95,"sentiment":"neutral","sentiment_score":0.00849581602960825},{"text":"Just just just put fifty fifty then.","start":312.95,"end":315.27,"sentiment":"neutral","sentiment_score":0.011551474620188986},{"text":"Melanie and Giovanna.","start":315.27,"end":316.89,"sentiment":"neutral","sentiment_score":0.011366844487686953},{"text":"If...","start":317.27,"end":317.77,"sentiment":"neutral","sentiment_score":0.0009835688397288322}],"sentiment":"neutral","sentiment_score":-0.016476926300674676,"num_words":30,"start":305.625,"end":317.77},{"sentences":[{"text":"Yeah.","start":317.99,"end":318.49,"sentiment":"neutral","sentiment_score":0.019399594515562057},{"text":"Yep.","start":368.96,"end":369.28,"sentiment":"neutral","sentiment_score":0.12686677277088165},{"text":"Let's just stick with that.","start":369.28,"end":370.58,"sentiment":"neutral","sentiment_score":0.15502673685550689},{"text":"Yeah.","start":370.96,"end":371.46,"sentiment":"neutral","sentiment_score":0.1379663497209549},{"text":"Yeah.","start":372.24,"end":372.47998,"sentiment":"neutral","sentiment_score":0.25042256712913513}],"sentiment":"neutral","sentiment_score":0.14553210760156313,"num_words":9,"start":317.99,"end":372.47998},{"sentences":[{"text":"And then if if we need to change it in twelve months, we do that then.","start":372.47998,"end":375.78,"sentiment":"neutral","sentiment_score":0.1487955036573112},{"text":"That's fine.","start":376.16,"end":376.97998,"sentiment":"neutral","sentiment_score":0.29816849529743195},{"text":"Cool.","start":378.72,"end":379.22,"sentiment":"neutral","sentiment_score":0.17838387191295624},{"text":"It's the 06/04/2024.","start":385.355,"end":388.01498,"sentiment":"neutral","sentiment_score":0.021622207015752792},{"text":"So two bit years?","start":388.155,"end":389.935,"sentiment":"neutral","sentiment_score":0.0220241816714406}],"sentiment":"neutral","sentiment_score":0.12724662572145462,"num_words":26,"start":372.47998,"end":389.935},{"sentences":[{"text":"Just over two years?","start":392.875,"end":394.095,"sentiment":"neutral","sentiment_score":0.010004583979025483},{"text":"Yeah.","start":396.57,"end":396.97,"sentiment":"neutral","sentiment_score":0.024003013968467712},{"text":"Still full time.","start":396.97,"end":397.77,"sentiment":"neutral","sentiment_score":0.024984192724029224},{"text":"Yeah.","start":397.77,"end":398.25,"sentiment":"neutral","sentiment_score":0.12017107754945756},{"text":"Yeah.","start":398.25,"end":398.75,"sentiment":"neutral","sentiment_score":0.09300138056278227}],"sentiment":"neutral","sentiment_score":0.03521463861688971,"num_words":10,"start":392.875,"end":398.75},{"sentences":[{"text":"Alright.","start":408.00998,"end":408.50998,"sentiment":"neutral","sentiment_score":0.02651774138212204},{"text":"No.","start":408.72498,"end":409.22498,"sentiment":"neutral","sentiment_score":-0.05570538714528084},{"text":"At the moment, nothing.","start":425.32,"end":427.26,"sentiment":"neutral","sentiment_score":-0.046635827049613},{"text":"We're kind of...","start":429.48,"end":430.12,"sentiment":"neutral","sentiment_score":-0.02527831867337227},{"text":"Well, what I've been doing is when I get paid, I pay my mortgage and my rent straight into my offset account or my redraw account with my mortgage provider.","start":430.12,"end":446.345,"sentiment":"neutral","sentiment_score":-0.008000617303575078}],"sentiment":"neutral","sentiment_score":-0.013630369976640511,"num_words":39,"start":408.00998,"end":446.345},{"sentences":[{"text":"And then then I pay my rent out of that when it's due.","start":446.965,"end":451.145,"sentiment":"neutral","sentiment_score":0.006624349357130436},{"text":"And then if there's, you know, if there's bits and pieces left.","start":451.525,"end":454.32,"sentiment":"neutral","sentiment_score":-0.0385731840506196},{"text":"But at the moment, we're...","start":454.72,"end":456.34,"sentiment":"neutral","sentiment_score":-0.049941420555114746},{"text":"We've been asked to vacate our rental in November, so we're looking for somewhere I need to live and with the pay decrease.","start":456.4,"end":466.18,"sentiment":"neutral","sentiment_score":-0.13539303547662238},{"text":"Yeah.","start":467.915,"end":468.315,"sentiment":"neutral","sentiment_score":-0.07094039022922516}],"sentiment":"neutral","sentiment_score":-0.07058238844318246,"num_words":54,"start":446.965,"end":468.315},{"sentences":[{"text":"It's the...","start":468.315,"end":468.875,"sentiment":"neutral","sentiment_score":-0.11741584166884422},{"text":"I'm still adjusting to that discrepancy.","start":468.875,"end":472.415,"sentiment":"neutral","sentiment_score":-0.24301811059316},{"text":"That's the right word.","start":472.715,"end":473.77502,"sentiment":"neutral","sentiment_score":-0.08579089492559433},{"text":"So, yeah, I'm not saving any money at the moment, really.","start":474.875,"end":477.595,"sentiment":"neutral","sentiment_score":-0.2744275595654141},{"text":"If anything, it's, you know, it's a couple of $100 here and there that I don't even really look at once the mortgage is paid and the rents come out.","start":477.595,"end":485.19,"sentiment":"neutral","sentiment_score":-0.1847822830080986}],"sentiment":"neutral","sentiment_score":-0.1999674636238026,"num_words":53,"start":468.315,"end":485.19},{"sentences":[{"text":"Like, I think there's $9 sitting in that redraw account, but then I know the mortgage will come out of that on the October 5, and there's two more...","start":486.93,"end":496.455,"sentiment":"neutral","sentiment_score":-0.06016677849251648},{"text":"Two or three more rents to come out of it.","start":496.51498,"end":498.69498,"sentiment":"neutral","sentiment_score":-0.0846449725329876},{"text":"You know?","start":500.435,"end":500.755,"sentiment":"neutral","sentiment_score":-0.04701759107410908},{"text":"And then with the move and the...","start":500.755,"end":502.51498,"sentiment":"neutral","sentiment_score":-0.08587758030210223},{"text":"Having to put a new bond down and two weeks rent upfront, that's gonna swallow most of that up until I get the bond back on the current rental.","start":502.51498,"end":511.32,"sentiment":"neutral","sentiment_score":-0.19666579340038629}],"sentiment":"neutral","sentiment_score":-0.11675029291541546,"num_words":77,"start":486.93,"end":511.32},{"sentences":[{"text":"So, yeah, that...","start":513.22003,"end":513.86,"sentiment":"neutral","sentiment_score":-0.03415641188621521},{"text":"Like, the whole save is all up in the air, and it's gonna go up and down in the next, you know, couple of months.","start":513.86,"end":521.06,"sentiment":"neutral","sentiment_score":-0.062384633421897887},{"text":"But I'm just, yeah, I'm just grateful that there is some money in there because when I did the, what's it called, refinancing last year, it gave me a bit of a bit of a buffer.","start":521.06,"end":531.325,"sentiment":"neutral","sentiment_score":0.18856657379203373},{"text":"So this...","start":533.385,"end":534.025,"sentiment":"neutral","sentiment_score":0.016253742389380932},{"text":"Have a few few pennies in the bank, you know?","start":534.025,"end":536.60504,"sentiment":"neutral","sentiment_score":0.04844529125839472}],"sentiment":"neutral","sentiment_score":0.07425357871933987,"num_words":76,"start":513.22003,"end":536.60504},{"sentences":[{"text":"So the one up in Butler, it's currently sitting at 600, but I've I've requested to increase that to $6.50.","start":549.9,"end":558.48505,"sentiment":"neutral","sentiment_score":0.018672938365489243},{"text":"And that would take effect around the same sort of time as as my lease is up, which is early November, I believe.","start":559.905,"end":568.82996,"sentiment":"neutral","sentiment_score":0.10191888426956923},{"text":"So that will increase to $6.50 in in the next, well, next month, I'd say.","start":569.61,"end":576.02997,"sentiment":"neutral","sentiment_score":0.1220640038450559},{"text":"Well, it's breaking even with the real estate...","start":584.665,"end":589.96497,"sentiment":"neutral","sentiment_score":-0.05001646059099585},{"text":"With with the real estate fees, and then we've just had another increase hike.","start":590.345,"end":594.96,"sentiment":"neutral","sentiment_score":-0.09224272120211806}],"sentiment":"neutral","sentiment_score":0.0357127922703512,"num_words":80,"start":549.9,"end":594.96},{"sentences":[{"text":"So I don't know what's...","start":594.96,"end":596.18,"sentiment":"neutral","sentiment_score":-0.11497267335653305},{"text":"Yeah.","start":596.56,"end":596.88,"sentiment":"neutral","sentiment_score":-0.13796371221542358},{"text":"I'm I'm I'm certainly not making any money.","start":596.88,"end":599.04,"sentiment":"negative","sentiment_score":-0.4536896236240864},{"text":"Like, I I know I've been negative gearing for years and years.","start":599.04,"end":603.54,"sentiment":"negative","sentiment_score":-0.46738386154174805},{"text":"Not out of choice, but just because, you know, I can't really charge that much more up up there, up north, up in Butler.","start":604.64,"end":614.475,"sentiment":"neutral","sentiment_score":-0.07207467926976581}],"sentiment":"neutral","sentiment_score":-0.2336148541793227,"num_words":50,"start":594.96,"end":614.475},{"sentences":[{"text":"If it was in the city or somewhere else, I probably could.","start":615.095,"end":617.89496,"sentiment":"neutral","sentiment_score":-0.033198758494108915},{"text":"Because because Melanie, she's charging 700 for hers, and hers is half the size, but it's...","start":617.89496,"end":624.78,"sentiment":"neutral","sentiment_score":-0.0043044738304161},{"text":"But she's...","start":624.78,"end":625.42004,"sentiment":"neutral","sentiment_score":-0.0031077044550329447},{"text":"Hers is in Scarborough, you know, and it's a prime location for tourists and backpackers and, you know, you name it.","start":625.42004,"end":633.60004,"sentiment":"neutral","sentiment_score":0.10705863240928877},{"text":"Say that.","start":634.485,"end":634.96497,"sentiment":"neutral","sentiment_score":-0.04187205247581005}],"sentiment":"neutral","sentiment_score":0.03190594497202667,"num_words":53,"start":615.095,"end":634.96497},{"sentences":[{"text":"I'd I'd say I'm breaking I'm I'm breaking even.","start":634.96497,"end":637.765,"sentiment":"neutral","sentiment_score":-0.22051283303234312},{"text":"If not, I'm having CX in the fund out of my own pocket a little bit.","start":637.765,"end":643.065,"sentiment":"neutral","sentiment_score":-0.18175179418176413},{"text":"Sorry.","start":647.26,"end":647.5,"sentiment":"neutral","sentiment_score":-0.11113034933805466},{"text":"I don't have the numbers in front of me.","start":647.5,"end":649.53,"sentiment":"neutral","sentiment_score":-0.13396706266535652},{"text":"Yep.","start":659.355,"end":659.855,"sentiment":"neutral","sentiment_score":0.31008943915367126}],"sentiment":"neutral","sentiment_score":-0.16387190773255295,"num_words":36,"start":634.96497,"end":659.855},{"sentences":[{"text":"Yep.","start":659.915,"end":660.415,"sentiment":"neutral","sentiment_score":0.31175071001052856},{"text":"Yes.","start":669.755,"end":670.255,"sentiment":"neutral","sentiment_score":0.08126795291900635},{"text":"So we still have that car, but I wouldn't say the value is at 9,000 now.","start":670.315,"end":675.58997,"sentiment":"neutral","sentiment_score":0.013505322043783963},{"text":"I'd say it's around 6.","start":677.32996,"end":678.87,"sentiment":"neutral","sentiment_score":0.02198968604207039},{"text":"It's funny because we we actually just...","start":680.29,"end":682.44995,"sentiment":"neutral","sentiment_score":-0.014883862808346748}],"sentiment":"neutral","sentiment_score":0.020495506872733434,"num_words":30,"start":659.915,"end":682.44995},{"sentences":[{"text":"The missus had a had a crash couple of months...","start":682.44995,"end":686.015,"sentiment":"neutral","sentiment_score":-0.16838271617889405},{"text":"About a month or so ago, and RAC valued it at...","start":686.015,"end":690.815,"sentiment":"neutral","sentiment_score":-0.09335092861544002},{"text":"I think it was just under 6,000.","start":690.815,"end":693.075,"sentiment":"neutral","sentiment_score":-0.08154058349984032},{"text":"So...","start":694.41504,"end":694.655,"sentiment":"neutral","sentiment_score":-0.01784244179725647},{"text":"Yeah.","start":694.655,"end":695.05505,"sentiment":"neutral","sentiment_score":-0.02172994613647461}],"sentiment":"neutral","sentiment_score":-0.11070146163304646,"num_words":30,"start":682.44995,"end":695.05505},{"sentences":[{"text":"It's...","start":695.05505,"end":695.455,"sentiment":"neutral","sentiment_score":-0.026564989238977432},{"text":"It was 9 when we bought it about four years ago, but just to, yeah, devaluate it over time.","start":695.455,"end":704.04,"sentiment":"neutral","sentiment_score":-0.07445115096082813},{"text":"Yeah.","start":709.06,"end":709.3,"sentiment":"neutral","sentiment_score":0.013935577124357224},{"text":"Yeah.","start":709.3,"end":709.46,"sentiment":"neutral","sentiment_score":0.014170492067933084},{"text":"It was it was only minor.","start":709.46,"end":710.92,"sentiment":"neutral","sentiment_score":-0.038664207172890507}],"sentiment":"neutral","sentiment_score":-0.05875057254784873,"num_words":28,"start":695.05505,"end":710.92},{"sentences":[{"text":"They they they Yep.","start":711.14,"end":712.515,"sentiment":"neutral","sentiment_score":0.1421344755217433},{"text":"They gave us the option.","start":712.59503,"end":713.555,"sentiment":"neutral","sentiment_score":0.14092732816934586},{"text":"Do you want us to pay you out or do you wanna fix it?","start":713.555,"end":715.97504,"sentiment":"neutral","sentiment_score":0.012510984736893858},{"text":"Because there's such low kilometers on it because, you know, we...","start":716.115,"end":719.575,"sentiment":"neutral","sentiment_score":-0.04861002076755871},{"text":"She drives and it's only five minutes a day because her work and childcare is so close and I think It's loads...","start":719.955,"end":726.69,"sentiment":"neutral","sentiment_score":-0.05272528317502954}],"sentiment":"neutral","sentiment_score":-0.004398895161492484,"num_words":56,"start":711.14,"end":726.69},{"sentences":[{"text":"Okay, and we just spent $3 on our service and knew this and knew that.","start":726.75,"end":730.83,"sentiment":"neutral","sentiment_score":-0.10045106013615926},{"text":"So we wanted to keep it.","start":730.83,"end":731.95,"sentiment":"neutral","sentiment_score":-0.07199619834621747},{"text":"You know?","start":731.95,"end":732.61,"sentiment":"neutral","sentiment_score":-0.04817652516067028},{"text":"So we got it fixed.","start":733.14996,"end":734.29,"sentiment":"neutral","sentiment_score":-0.04134805351495743},{"text":"Yeah.","start":736.83,"end":737.33,"sentiment":"neutral","sentiment_score":0.028178745880723}],"sentiment":"neutral","sentiment_score":-0.07633302290121029,"num_words":29,"start":726.75,"end":737.33},{"sentences":[{"text":"Yeah.","start":746.475,"end":746.71497,"sentiment":"neutral","sentiment_score":0.031461961567401886},{"text":"So I'll tell you to go over that.","start":746.71497,"end":748.815,"sentiment":"neutral","sentiment_score":0.042930066119879484},{"text":"Let's bring it up.","start":749.75494,"end":750.555,"sentiment":"neutral","sentiment_score":0.03083573142066598},{"text":"So Great Southern Bank is still active.","start":750.555,"end":753.295,"sentiment":"neutral","sentiment_score":0.06751310878566333},{"text":"There's there's no...","start":754.86,"end":755.74,"sentiment":"neutral","sentiment_score":-0.022484150404731434}],"sentiment":"neutral","sentiment_score":0.0392775968041109,"num_words":23,"start":746.475,"end":755.74},{"sentences":[{"text":"It's only 5,000 and there's no money owed on that at all.","start":755.74,"end":759.27997,"sentiment":"neutral","sentiment_score":-0.0856235312918822},{"text":"At least...","start":760.3,"end":761.04,"sentiment":"neutral","sentiment_score":-0.05121046304702759},{"text":"Yeah.","start":761.66,"end":762.06,"sentiment":"neutral","sentiment_score":-0.04116547107696533},{"text":"5,000 limit and the balance is zero.","start":762.06,"end":764.24,"sentiment":"neutral","sentiment_score":-0.05352265281336648},{"text":"The Westpac, it is...","start":766.22,"end":771.145,"sentiment":"neutral","sentiment_score":-0.003355944063514471}],"sentiment":"neutral","sentiment_score":-0.05996735071620116,"num_words":26,"start":755.74,"end":771.145},{"sentences":[{"text":"I think it's 7,000 limit.","start":772.245,"end":774.34503,"sentiment":"neutral","sentiment_score":-0.012532723881304265},{"text":"$6.07.","start":779.365,"end":780.93,"sentiment":"neutral","sentiment_score":-0.008485699072480202},{"text":"Yeah.","start":780.93,"end":781.17,"sentiment":"neutral","sentiment_score":-0.01304912380874157},{"text":"It's around the 7,000 limit.","start":781.17,"end":782.79,"sentiment":"neutral","sentiment_score":-0.04321360141038895},{"text":"And, yeah, I still owe about 5 on that.","start":783.41,"end":787.50995,"sentiment":"neutral","sentiment_score":-0.13067897078063753}],"sentiment":"neutral","sentiment_score":-0.07030367554121074,"num_words":21,"start":772.245,"end":787.50995},{"sentences":[{"text":"But there is another credit card I'd like to add.","start":788.44995,"end":792.06995,"sentiment":"neutral","sentiment_score":0.01992894858121872},{"text":"American Express, we we got this card because we used it to go to Brazil early one in the year, and then we paid it 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yes.","start":836.545,"end":837.63,"sentiment":"neutral","sentiment_score":-0.05298789218068123},{"text":"I'm I'm I'm I'm not smoking.","start":838.51,"end":840.37,"sentiment":"neutral","sentiment_score":-0.07864349459608395}],"sentiment":"neutral","sentiment_score":-0.06356977603475873,"num_words":12,"start":833.025,"end":840.37},{"sentences":[{"text":"I'm on the vape now.","start":840.83,"end":842.13,"sentiment":"neutral","sentiment_score":0.004582244902849197},{"text":"I'm not sure if that...","start":842.59,"end":843.55,"sentiment":"neutral","sentiment_score":-0.024370215833187103},{"text":"If it's the same thing.","start":843.55,"end":844.59,"sentiment":"neutral","sentiment_score":0.010633285716176033},{"text":"It's it's no tar, no smoke.","start":844.59,"end":846.77,"sentiment":"neutral","sentiment_score":-0.00004623395701249441},{"text":"So I have been for six months plus, mainly mainly for financial reasons.","start":848.27,"end":854.04504,"sentiment":"neutral","sentiment_score":0.006538516125426843}],"sentiment":"neutral","sentiment_score":0.0011455847005195478,"num_words":34,"start":840.83,"end":854.04504},{"sentences":[{"text":"And and, yeah, health reasons.","start":856.10504,"end":858.42505,"sentiment":"neutral","sentiment_score":0.09222690016031265},{"text":"I'm in the gym now, and I'm running and stuff, and I feel a lot healthier.","start":858.42505,"end":861.645,"sentiment":"neutral","sentiment_score":0.2758577596396208},{"text":"So...","start":861.78503,"end":862.28503,"sentiment":"neutral","sentiment_score":0.10852116346359252},{"text":"Yeah.","start":864.64,"end":865.14,"sentiment":"neutral","sentiment_score":0.1741032898426056},{"text":"I've also changed my private health if that's gonna be a 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please.","start":907.995,"end":908.71497,"sentiment":"neutral","sentiment_score":0.037777308374643326},{"text":"Yeah.","start":908.71497,"end":909.19495,"sentiment":"neutral","sentiment_score":0.08039578050374985},{"text":"Definitely.","start":909.19495,"end":909.69495,"sentiment":"neutral","sentiment_score":0.12847082316875458},{"text":"Yeah.","start":944.37,"end":944.61,"sentiment":"neutral","sentiment_score":-0.05961352214217186},{"text":"That's that's on the back burner for now, I'd say.","start":944.61,"end":948.15,"sentiment":"neutral","sentiment_score":-0.30855707749724387}],"sentiment":"neutral","sentiment_score":-0.19071753844618797,"num_words":15,"start":907.995,"end":948.15},{"sentences":[{"text":"Yeah.","start":948.61,"end":948.93,"sentiment":"neutral","sentiment_score":-0.01866932027041912},{"text":"With the rates and...","start":948.93,"end":950.15,"sentiment":"neutral","sentiment_score":-0.02879298012703657},{"text":"I think, like, I did 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think...","start":2267.865,"end":2268.445,"sentiment":"neutral","sentiment_score":-0.043670885264873505}],"sentiment":"neutral","sentiment_score":-0.0781897772103548,"num_words":6,"start":2232.885,"end":2268.445},{"sentences":[{"text":"Yeah.","start":2268.5051,"end":2268.905,"sentiment":"neutral","sentiment_score":-0.020414097234606743},{"text":"Drop it down then to the $70.30, the balance.","start":2268.905,"end":2271.99,"sentiment":"neutral","sentiment_score":-0.0315979230735037},{"text":"Like, we know that we got the we know that we got the investment.","start":2272.1301,"end":2274.85,"sentiment":"neutral","sentiment_score":-0.026705958747438023},{"text":"We know that we still got eighteen years.","start":2274.85,"end":2276.7102,"sentiment":"neutral","sentiment_score":-0.0760181313380599},{"text":"We're only reducing it by 1%.","start":2276.85,"end":2279.03,"sentiment":"neutral","sentiment_score":-0.028874609716391813}],"sentiment":"neutral","sentiment_score":-0.038422935167450066,"num_words":38,"start":2268.5051,"end":2279.03},{"sentences":[{"text":"Let's see how that let's see how that plays out for twelve months, and then we'll we'll look at it again next year.","start":2279.73,"end":2285.03,"sentiment":"neutral","sentiment_score":0.07674962768088216},{"text":"Whether we just revert it back or or, yeah, see what's happening around the world then.","start":2285.6501,"end":2292.345,"sentiment":"neutral","sentiment_score":0.024267346074339002},{"text":"Okay.","start":2315.7349,"end":2316.2148,"sentiment":"neutral","sentiment_score":0.04479561746120453},{"text":"Yeah.","start":2316.2148,"end":2316.7148,"sentiment":"neutral","sentiment_score":0.0479586198925972},{"text":"Perfect.","start":2352.1948,"end":2352.6948,"sentiment":"positive","sentiment_score":0.6285179853439331}],"sentiment":"neutral","sentiment_score":0.06844740944160592,"num_words":42,"start":2279.73,"end":2352.6948},{"sentences":[{"text":"Yeah.","start":2458.545,"end":2459.045,"sentiment":"neutral","sentiment_score":0.021227264776825905},{"text":"Perfect.","start":2462.785,"end":2463.285,"sentiment":"positive","sentiment_score":0.5044620633125305},{"text":"To be honest, around this sort of time, Monday to Friday, I'm I'm pretty free.","start":2484.095,"end":2488.435,"sentiment":"neutral","sentiment_score":0.02172522818048795},{"text":"I don't...","start":2488.575,"end":2489.2349,"sentiment":"neutral","sentiment_score":-0.0534605523571372},{"text":"Work's pretty flexible.","start":2489.535,"end":2490.675,"sentiment":"neutral","sentiment_score":0.14922296007474264}],"sentiment":"neutral","sentiment_score":0.05419616028666496,"num_words":22,"start":2458.545,"end":2490.675},{"sentences":[{"text":"Yeah.","start":2490.7349,"end":2491.215,"sentiment":"neutral","sentiment_score":0.11251240968704224},{"text":"Yeah.","start":2491.215,"end":2491.715,"sentiment":"neutral","sentiment_score":0.09260547161102296},{"text":"As long as you remind me on the day.","start":2493.535,"end":2496.595,"sentiment":"neutral","sentiment_score":0.05161056088076697},{"text":"Right.","start":2503.59,"end":2503.99,"sentiment":"neutral","sentiment_score":0.054652851074934006},{"text":"Yeah.","start":2503.99,"end":2504.49,"sentiment":"neutral","sentiment_score":0.08301413059234619}],"sentiment":"neutral","sentiment_score":0.06209845468401909,"num_words":13,"start":2490.7349,"end":2504.49},{"sentences":[{"text":"Yep.","start":2504.55,"end":2505.05,"sentiment":"neutral","sentiment_score":0.09693603962659836},{"text":"Yeah.","start":2537.08,"end":2537.58,"sentiment":"neutral","sentiment_score":0.11124230921268465},{"text":"Yeah.","start":2544.975,"end":2545.455,"sentiment":"neutral","sentiment_score":0.023603931069374084},{"text":"Day day off.","start":2545.455,"end":2546.175,"sentiment":"neutral","sentiment_score":0.02028866484761238},{"text":"Text message day off.","start":2546.175,"end":2547.135,"sentiment":"neutral","sentiment_score":0.023185033816844225}],"sentiment":"neutral","sentiment_score":0.03853884097188711,"num_words":10,"start":2504.55,"end":2547.135},{"sentences":[{"text":"I remember the day.","start":2547.135,"end":2547.855,"sentiment":"neutral","sentiment_score":0.043066250160336494},{"text":"It's my brother's birthday, so that's that's fine.","start":2547.855,"end":2550.095,"sentiment":"neutral","sentiment_score":0.0667481292039156},{"text":"12:00.","start":2550.095,"end":2550.915,"sentiment":"neutral","sentiment_score":0.006664145737886429},{"text":"No.","start":2553.295,"end":2553.5352,"sentiment":"neutral","sentiment_score":-0.08345473557710648},{"text":"No.","start":2553.5352,"end":2553.7751,"sentiment":"neutral","sentiment_score":-0.08965084701776505}],"sentiment":"neutral","sentiment_score":0.035987239827712375,"num_words":15,"start":2547.135,"end":2553.7751},{"sentences":[{"text":"No.","start":2553.7751,"end":2553.935,"sentiment":"neutral","sentiment_score":-0.09365258365869522},{"text":"No.","start":2553.935,"end":2554.095,"sentiment":"neutral","sentiment_score":-0.11949406564235689},{"text":"No.","start":2554.095,"end":2554.335,"sentiment":"neutral","sentiment_score":-0.1149994134902954},{"text":"No.","start":2554.335,"end":2554.655,"sentiment":"neutral","sentiment_score":-0.10467149317264555},{"text":"That's fine.","start":2554.655,"end":2555.475,"sentiment":"neutral","sentiment_score":-0.05601951666176319}],"sentiment":"neutral","sentiment_score":-0.09080943154791991,"num_words":6,"start":2553.7751,"end":2555.475},{"sentences":[{"text":"Yep.","start":2555.84,"end":2556.0,"sentiment":"neutral","sentiment_score":0.010796351358294489},{"text":"Twenty second.","start":2556.0,"end":2556.72,"sentiment":"neutral","sentiment_score":0.009048380888998508},{"text":"No.","start":2556.72,"end":2557.04,"sentiment":"neutral","sentiment_score":0.01477339118719101},{"text":"Easy...","start":2557.04,"end":2557.36,"sentiment":"neutral","sentiment_score":0.039084941148757935},{"text":"Easier to remember.","start":2557.36,"end":2558.42,"sentiment":"neutral","sentiment_score":0.059653242429097496}],"sentiment":"neutral","sentiment_score":0.032713896594941616,"num_words":8,"start":2555.84,"end":2558.42},{"sentences":[{"text":"Yep.","start":2558.96,"end":2559.46,"sentiment":"neutral","sentiment_score":0.08715429902076721},{"text":"Perfect.","start":2568.96,"end":2569.46,"sentiment":"positive","sentiment_score":0.38568466901779175},{"text":"I'll just sign those documents.","start":2570.2852,"end":2571.665,"sentiment":"neutral","sentiment_score":0.22777006328105925},{"text":"They they should...","start":2571.725,"end":2572.5452,"sentiment":"neutral","sentiment_score":0.11641789972782135},{"text":"You should get them back in a second.","start":2572.6052,"end":2575.185,"sentiment":"neutral","sentiment_score":0.16828474402427673}],"sentiment":"neutral","sentiment_score":0.18373449643452963,"num_words":18,"start":2558.96,"end":2575.185},{"sentences":[{"text":"No.","start":2582.9202,"end":2583.1602,"sentiment":"neutral","sentiment_score":0.0100680161267519},{"text":"Not really.","start":2583.1602,"end":2583.9001,"sentiment":"neutral","sentiment_score":-0.2863268703222275},{"text":"If you can send me through that information about the about the wheels, that'd be great.","start":2584.2,"end":2589.02,"sentiment":"neutral","sentiment_score":-0.0592816430144012},{"text":"Once we're settled into a new rental where, you know, that'll be the next thing we can, you know, strike off the list when we get around to it.","start":2592.12,"end":2600.445,"sentiment":"neutral","sentiment_score":0.0017445529650511413},{"text":"Oh, brilliant.","start":2609.865,"end":2610.5251,"sentiment":"positive","sentiment_score":0.44897983968257904}],"sentiment":"neutral","sentiment_score":-0.011250805947929621,"num_words":50,"start":2582.9202,"end":2610.5251},{"sentences":[{"text":"Yep.","start":2621.05,"end":2621.29,"sentiment":"neutral","sentiment_score":0.23912428319454193},{"text":"Excellent.","start":2621.29,"end":2621.79,"sentiment":"positive","sentiment_score":0.7223353981971741},{"text":"Sounds good.","start":2622.25,"end":2622.81,"sentiment":"positive","sentiment_score":0.7650415897369385},{"text":"Thanks, Jenna.","start":2622.81,"end":2623.6301,"sentiment":"positive","sentiment_score":0.7420025765895844},{"text":"Excellent.","start":2630.5852,"end":2631.0852,"sentiment":"positive","sentiment_score":0.7648407220840454}],"sentiment":"positive","sentiment_score":0.6771983908755439,"num_words":7,"start":2621.05,"end":2631.0852},{"sentences":[{"text":"Have a great afternoon.","start":2631.145,"end":2632.105,"sentiment":"positive","sentiment_score":0.7682405412197113},{"text":"Thanks, mate.","start":2632.105,"end":2632.985,"sentiment":"positive","sentiment_score":0.759954035282135},{"text":"Appreciate it.","start":2632.985,"end":2633.8052,"sentiment":"positive","sentiment_score":0.5749922096729279},{"text":"See you.","start":2635.3052,"end":2635.625,"sentiment":"neutral","sentiment_score":0.3133081942796707},{"text":"Bye bye.","start":2635.625,"end":2636.105,"sentiment":"neutral","sentiment_score":0.1736711859703064}],"sentiment":"positive","sentiment_score":0.5597344512740771,"num_words":12,"start":2631.145,"end":2636.105},{"sentences":[{"text":"Bye.","start":2636.105,"end":2636.605,"sentiment":"neutral","sentiment_score":0.1393422931432724}],"sentiment":"neutral","sentiment_score":0.1393422931432724,"num_words":1,"start":2636.105,"end":2636.605}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? You're speaking with John.\n\nChannel 0: Hi, John.\n\nChannel 1: Hi,\n\nChannel 0: This\n\nChannel 1: John.\n\nChannel 0: is Jenna\n\nChannel 1: My son...\n\nChannel 0: Fanning from Oakview Financial. How are you today?\n\nChannel 1: I'm very well. Thank you. How are you? Did you did you say Jennifer?\n\nChannel 0: Jenna.\n\nChannel 1: Jenna. Jenna. How are\n\nChannel 0: Yeah.\n\nChannel 1: you going?\n\nChannel 0: I'm well. Thanks. How are you?\n\nChannel 1: Yeah. Not too bad. Thank you. I was expecting your call.\n\nChannel 0: Lovely. Well, just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. That's fine. No worries.\n\nChannel 0: And I will also ask you to please confirm your full name, date of birth, and address, please.\n\nChannel 1: Yep. So it's mister Jonathan David Slates. It's the 10/08/1983, and my address is 25 Munford Street, North Beach 6020.\n\nChannel 0: Thanks for that, John. I appreciate it.\n\nChannel 1: No problem.\n\nChannel 0: So you've been expecting my call, so you know we're scheduled to do your annual review, which is\n\nChannel 1: Yes.\n\nChannel 0: great.\n\nChannel 1: Yep.\n\nChannel 0: Before we dive into it, probably just check-in with you and see how things are going. Has any significant changes personally or financially occurred for you in the last twelve months?\n\nChannel 1: There's only one thing. So the family\n\nChannel 0: Yes.\n\nChannel 1: is still the same. Daughter's a little older.\n\nChannel 0: Yep.\n\nChannel 1: So at... I'm still with Chandler McCloud. I was I was an acting team leader. So it's like I was on a secondment for twelve months, eighteen months.\n\nChannel 0: Yes. Yep.\n\nChannel 1: That's... We've had a big reshuffle, and I'm no longer acting team leader. So I'm I've stepped back down to just a recruitment consultant. So my actual salary's dropped back down, if that's something you need\n\nChannel 0: Okay. Yeah. So\n\nChannel 1: need\n\nChannel 0: what's\n\nChannel 1: to...\n\nChannel 0: that dropped back down to?\n\nChannel 1: So including super, it's a 100. So it's 80\n\nChannel 0: One...\n\nChannel 1: 8 not including super.\n\nChannel 0: Okay.\n\nChannel 1: Well, before, I think I was on a 100, and then super r had a team leader allowance. Yeah. I think I was on, like, a 115 before including super. Yeah. I think\n\nChannel 0: Okay.\n\nChannel 1: something like that. Yeah. 88 or a 100 including.\n\nChannel 0: Lovely. Fantastic. Okay. So you've mentioned that your family details all remain the same. I just don't have your daughter's name.\n\nWhat's her name?\n\nChannel 1: Yep. Oh, her name's Giovanna. So g I o v a n n a, Giovanna. And\n\nChannel 0: Yeah.\n\nChannel 1: then double barreled surname. So her mother's mother's surname is Nagamine. So n\n\nChannel 0: Yeah.\n\nChannel 1: a g\n\nChannel 0: Yep. M\n\nChannel 1: a n I n e. It's\n\nChannel 0: r.\n\nChannel 1: n a g n a g a m I n e. It's like a Japanese Brazilian name. Nagamine. And then and then Slaight.\n\nChannel 0: Havoc.\n\nChannel 1: So so Giovanna Nagamine Slaight. That's her full\n\nChannel 0: Lovely.\n\nChannel 1: name. No middle\n\nChannel 0: And how\n\nChannel 1: name.\n\nChannel 0: how old is she?\n\nChannel 1: She's three.\n\nChannel 0: Oh, such a nice age.\n\nChannel 1: Yeah. Yeah. Running circles around us.\n\nChannel 0: Yep. Yep. They will do that. So I'll just update that. That's great.\n\nSo what I will just flag quickly is that when I was having a look at your superannuation fund, your beneficiary nominations are to your partner, Malene,\n\nChannel 1: Melania.\n\nChannel 0: at 50\n\nChannel 1: Yeah.\n\nChannel 0: percent. Malene.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. My apologies.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: fine.\n\nChannel 0: Richard, 50%. Did you\n\nChannel 1: Yeah.\n\nChannel 0: want to update or change?\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: You can probably... So my brother's in The UK, Richard. How does it work with putting kids on there? Can you do that? Or how does it\n\nChannel 0: You... Yeah. So you can definitely do that. So with minors, if they're under 18 years of age, which Giovanni is, that is absolutely fine. There are a number of things that can...\n\nLike, a number of ways it can be paid to a child by way of a regular income or a lump sum. It's typically not a lump sum when they're minors. It is tax free to your partner and your daughter due to superannuation tax dependency rules. So you can most certainly nominate your daughter and your partner. Or, alternatively, if you have a will set up, we can direct it to your will, which your will then will distribute it as per your estate planning.\n\nChannel 1: Yeah. Yeah. I haven't done the wheel yet. It has been on the cards for a few years. You probably know how it is talking to so many people\n\nChannel 0: Yes.\n\nChannel 1: who never get\n\nChannel 0: Yep.\n\nChannel 1: around to doing it. Yeah. Just just just put fifty fifty then. Melanie and Giovanna. If...\n\nYeah.\n\nChannel 0: Okay. So there's two different types of beneficiary nominations. At the moment, you've got the non lapsing binding, which is perfect. So what that means is it doesn't lapse. It's binding on the trustees, so the trustees cannot make a decision to distribute otherwise.\n\nAnd then there's a binding one, which is the same thing. The trustees cannot make a decision to distribute otherwise. However, you need to renew it every three years. So the difference... They're they're the main differences.\n\nSo with the non lapsing, you would just change it when you submit a new form. So similar to the way you're doing it now, if you you were you were... If... So we're gonna replace Richard with your daughter. That will then update it.\n\nChannel 1: Yep. Let's\n\nChannel 0: So\n\nChannel 1: just\n\nChannel 0: are\n\nChannel 1: stick\n\nChannel 0: you\n\nChannel 1: with\n\nChannel 0: happy?\n\nChannel 1: that. Yeah.\n\nChannel 0: Yes. Stick with that?\n\nChannel 1: Yeah.\n\nChannel 0: Lovely.\n\nChannel 1: And then if if we need to change it in twelve months, we do that then. That's\n\nChannel 0: Exactly\n\nChannel 1: fine.\n\nChannel 0: right. Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Okay. So how long have you been with Chandler McCloud for?\n\nChannel 1: It's the 06/04/2024. So two bit years?\n\nChannel 0: Yep. Okay.\n\nChannel 1: Just over\n\nChannel 0: And\n\nChannel 1: two years?\n\nChannel 0: still full still full time?\n\nChannel 1: Yeah. Still full time. Yeah. Yeah.\n\nChannel 0: Okay. And are you making any additional contributions to Super at all?\n\nChannel 1: Alright. No.\n\nChannel 0: No. Do you have any idea what your expenditure is per week or what your savings is per week?\n\nChannel 1: At the moment, nothing.\n\nChannel 0: Yep.\n\nChannel 1: We're kind of... Well, what I've been doing is when I get paid, I pay my mortgage and my rent straight into my offset account or my redraw account with my mortgage provider. And\n\nChannel 0: Yep.\n\nChannel 1: then then I pay my rent out of that when it's due. And then\n\nChannel 0: Yes.\n\nChannel 1: if there's, you know, if there's bits and pieces left. But at the moment, we're... We've been asked to vacate our rental in November, so we're looking for somewhere I need to live and with the pay decrease. Yeah. It's the...\n\nI'm still adjusting to that discrepancy. That's the right word.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, I'm not saving any money at the moment, really. If anything, it's, you know, it's a couple of $100 here and there that I don't even really look at once the mortgage is paid and the rents come out.\n\nChannel 0: Mhmm.\n\nChannel 1: Like, I think there's $9 sitting in that redraw account, but then I know the mortgage will come out of that on the October 5, and there's\n\nChannel 0: Yeah.\n\nChannel 1: two more... Two or three more rents to come out of it.\n\nChannel 0: Okay.\n\nChannel 1: You know? And then with the move and the... Having to put a new bond down and two weeks rent upfront, that's gonna swallow most of that up until I get the bond back on the current rental.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, that... Like, the whole save is all up in the air, and it's gonna go up and down in the next, you know, couple of\n\nChannel 0: Yep.\n\nChannel 1: months. But I'm just, yeah, I'm just grateful that there is some money in there because when I did the, what's it called, refinancing last year, it gave me a bit of a bit of a buffer.\n\nChannel 0: Yeah. Okay. That's good.\n\nChannel 1: So this... Have a few few pennies in the bank, you know?\n\nChannel 0: Absolutely. Okay. So based on that, I know that you're looking for a new rental, but your rental itself, how much rent are you getting from that per week?\n\nChannel 1: So the one up in Butler, it's currently sitting at 600, but I've\n\nChannel 0: Yeah.\n\nChannel 1: I've requested to increase that to $6.50.\n\nChannel 0: Mhmm.\n\nChannel 1: And that would take effect around the same sort of time as as my lease is up, which is early November, I believe. So that will increase to $6.50 in in the next, well, next month, I'd say.\n\nChannel 0: Okay. Lovely. I'll just make a note of that for you. Does that pretty much pay the mortgage, or\n\nChannel 1: Well,\n\nChannel 0: are\n\nChannel 1: it's breaking even with\n\nChannel 0: you...\n\nChannel 1: the real\n\nChannel 0: Breaking?\n\nChannel 1: estate...\n\nChannel 0: Yep.\n\nChannel 1: With with the real estate fees, and then we've just had another increase hike. So I don't know what's...\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'm I'm I'm certainly not making any money. Like, I I know I've been negative gearing for years and years.\n\nChannel 0: Mhmm.\n\nChannel 1: Not out of choice, but just because,\n\nChannel 0: Yep.\n\nChannel 1: you know, I can't really charge that much more up up there, up north, up in Butler. If it was in\n\nChannel 0: Yeah.\n\nChannel 1: the city or somewhere else, I probably could. Because because Melanie, she's charging 700 for hers, and hers\n\nChannel 0: Mhmm.\n\nChannel 1: is half the size, but it's... But she's... Hers is in Scarborough, you know, and it's a prime location for tourists and backpackers and, you know, you name\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Yeah. Understand.\n\nChannel 1: Say that. I'd I'd say I'm breaking I'm I'm breaking even. If not, I'm having CX in the fund out of my own pocket a little bit.\n\nChannel 0: Okay. So\n\nChannel 1: Sorry.\n\nChannel 0: we\n\nChannel 1: I don't\n\nChannel 0: have...\n\nChannel 1: have the numbers in front of me.\n\nChannel 0: No. That's absolutely fine. You don't need to apologize for that. I just... It's just a good idea to get a gauge of where everything's at, make sure that everything that we recommend and have on file\n\nChannel 1: Yep.\n\nChannel 0: is actually\n\nChannel 1: Yep.\n\nChannel 0: accurate so it helps. I have a 2,009 RAV four car here at about 9,000.\n\nChannel 1: Yes. So we still\n\nChannel 0: Yes.\n\nChannel 1: have that car,\n\nChannel 0: Yes.\n\nChannel 1: but I wouldn't say the value is at 9,000 now. I'd say it's around 6. It's\n\nChannel 0: Okay.\n\nChannel 1: funny because we we actually just... The missus had a had a crash couple of months... About a month or so ago, and RAC valued it at... I think it was just under 6,000.\n\nChannel 0: Okay.\n\nChannel 1: So... Yeah. It's... It was 9 when we bought it about four years ago, but just to, yeah, devaluate it over\n\nChannel 0: Yes.\n\nChannel 1: time.\n\nChannel 0: Okay. Is your partner okay?\n\nChannel 1: Yeah. Yeah. It was it was only minor. They they\n\nChannel 0: Oh,\n\nChannel 1: they\n\nChannel 0: good.\n\nChannel 1: Yep. They gave us the option. Do you want us to pay you out or do you wanna fix it? Because there's such low kilometers on it because, you know, we...\n\nChannel 0: Yeah.\n\nChannel 1: She drives and it's only five minutes a day because her work and childcare is so close and I think It's loads... Okay, and we just spent $3 on our service and knew this and knew that. So we wanted to keep it. You know? So we\n\nChannel 0: Yeah.\n\nChannel 1: got it fixed.\n\nChannel 0: That's that's understandable.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And I have two credit cards here. One with Great Southern Bank and one with Westpac. Are they still current?\n\nChannel 1: Yeah. So I'll tell you to go over that. Let's bring it up. So Great Southern Bank is still active.\n\nChannel 0: Yes.\n\nChannel 1: There's there's no... It's only 5,000 and there's no money owed on that at all.\n\nChannel 0: So it's a 5,000\n\nChannel 1: At least...\n\nChannel 0: limit?\n\nChannel 1: Yeah. 5,000 limit and the balance is zero.\n\nChannel 0: Okay.\n\nChannel 1: The Westpac, it is... I think it's 7,000 limit. $6.07. Yeah. It's around the 7,000 limit.\n\nAnd, yeah, I still owe about 5 on that.\n\nChannel 0: Okay.\n\nChannel 1: But there is another credit card I'd like to add.\n\nChannel 0: Okay. Yeah. Of course.\n\nChannel 1: American Express,\n\nChannel 0: Yeah.\n\nChannel 1: we we got this card because we used it to go to Brazil early one in the year, and then we paid it off straight away.\n\nChannel 0: Yep.\n\nChannel 1: So that's it's... That's $10,000 limit,\n\nChannel 0: Yes.\n\nChannel 1: and the balance on that is 3,000 at the moment. Yep.\n\nChannel 0: Okay. Lovely. Alright. Okay. So moving on to health and lifestyle just to make sure everything's up to date.\n\nAre you\n\nChannel 1: Yep.\n\nChannel 0: still\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: Well, yes. Technically,\n\nChannel 0: smoker?\n\nChannel 1: yes.\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm I'm I'm not smoking. I'm on the vape now. I'm\n\nChannel 0: Yep.\n\nChannel 1: not sure if\n\nChannel 0: Yep.\n\nChannel 1: that... If it's the same thing. It's it's no tar, no smoke. So I have been for six months plus,\n\nChannel 0: Yep.\n\nChannel 1: mainly\n\nChannel 0: Okay.\n\nChannel 1: mainly for financial reasons.\n\nChannel 0: Yep. I understand\n\nChannel 1: And\n\nChannel 0: that.\n\nChannel 1: and, yeah, health reasons. I'm in the gym now, and I'm running and stuff, and I feel a lot healthier. So...\n\nChannel 0: That's great news.\n\nChannel 1: Yeah. I've also changed my private health if that's gonna be a question.\n\nChannel 0: Yeah. It is one of the questions. So, yeah, who would you... Who are you with?\n\nChannel 1: So I'm now with HBS, I believe. HBS.\n\nChannel 0: Yep.\n\nChannel 1: Yep. And Giovanna is actually on that policy as well. Just the two of us.\n\nChannel 0: Okay. Yep. Okay. And I know you don't have a will on power of attorney that we've talked about. Do you do you want me to send you through a brochure for someone that we work with?\n\nThe prices are very, very competitive for you and Giovanna... Not Giovanna. Sorry. Malaney to have a look at?\n\nChannel 1: Yes, please. Yeah. Definitely.\n\nChannel 0: Yeah? Okay. Fantastic. I'll make sure I get that sent through to you post the meeting. I just wanna double check with you the goals and objectives that you had from your last review just to see if you, are at this still current and if you've achieved them.\n\nSo I think the first one you have, you wanted to go to Brazil... Oh, no. Sorry. You want to go to Brazil each year to see your partner's family, and you are hoping to buy another investment property if you get a pay rise. Is the investment property still on the card?\n\nChannel 1: Yeah. That's that's on the back burner for now, I'd\n\nChannel 0: Yeah?\n\nChannel 1: say. Yeah. With the rates and... I think, like, I did inquire. I've got a pretty good broker, but the borrow...\n\nMy borrowing power wasn't the best. I think it's the way\n\nChannel 0: Yes.\n\nChannel 1: that everything's structured and, you know, how, you know, a lot of people are using their super. It... I could only borrow maybe up to 500 or 600,000, and it would mean having to get a small apartment and lease that in the city or something. And then... Yeah.\n\nAnd then, yeah, life gets in the way, and it goes on the back burner for a few months. And and then and then I took the pay cut. So I haven't achieved that. No? To go\n\nChannel 0: No.\n\nChannel 1: get in the\n\nChannel 0: That's\n\nChannel 1: houses.\n\nChannel 0: okay.\n\nChannel 1: Telling you my\n\nChannel 0: That's...\n\nChannel 1: life\n\nChannel 0: Yes.\n\nChannel 1: story. Yeah.\n\nChannel 0: Yeah. We dig deep.\n\nChannel 1: Yeah. But,\n\nChannel 0: Okay.\n\nChannel 1: no, that's definitely on the list of something I want to achieve once\n\nChannel 0: Yes.\n\nChannel 1: we've moved into a new rental and life settled down a little bit for sure.\n\nChannel 0: Okay. Alright.\n\nChannel 1: If ever so then.\n\nChannel 0: Yeah. That's right, isn't it? Especially with the little ones. Still wanting to travel every year to Brazil?\n\nChannel 1: The missus definitely wants to travel every year.\n\nChannel 0: Yep.\n\nChannel 1: Next year, I I... Yeah. So it's either Brazil or England. She'll she'll\n\nChannel 0: Yep.\n\nChannel 1: go to Brazil every year, and I'll either go to Brazil or England every year. That's...\n\nChannel 0: Yep.\n\nChannel 1: That is a is a plan, but I know financially, I may... Every second year, I may just need to stay home and let them let them head off and see her family. And It's just not financially feasible at the moment to go\n\nChannel 0: Yeah.\n\nChannel 1: every year.\n\nChannel 0: I understand.\n\nChannel 1: I can't refinance I can't refinance the house every year just so we can have a holiday. That's ridiculous. You know?\n\nChannel 0: Yeah. I understand.\n\nChannel 1: So,\n\nChannel 0: I\n\nChannel 1: yeah,\n\nChannel 0: understand\n\nChannel 1: just\n\nChannel 0: that.\n\nChannel 1: using savings and putting a few quid away and and trying to get to, you know, get those flights covered by other means.\n\nChannel 0: Okay. Yep. Alright. Makes sense. Absolutely makes sense.\n\nAnd then looking at retirement, you've said that you would like to be able to travel to Brazil each year. I'm assuming we chuck England in there as well. Sorry. A couple of times a year and draw an income of $1,500 per week at the age of 60. Is that still what you're targeting?\n\nChannel 1: Yeah. Yeah. I suppose so.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And with your insurance cover, you have previously said that you're happy with the levels of cover that you have as it suits your needs and provides for your family to clear debt and additional living expenses. Your level of income protection is suited based on your income, and your partner also works in the event that you're unable to. Do you think that still applies?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Lovely.\n\nChannel 1: So you're putting in my new my new salary. Will that adjust those bits and pieces in the background, will it?\n\nChannel 0: Oh, it will.\n\nChannel 1: Or...\n\nChannel 0: Yeah. So as\n\nChannel 1: Yeah.\n\nChannel 0: we model things out, yeah, it will.\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: Cool.\n\nChannel 0: So I'm... Do you have access to your emails at the moment?\n\nChannel 1: I do. Yeah. On my phone. Yeah.\n\nChannel 0: Yeah. I'm gonna send you through an email. It's gonna have the review package or the review pack, we'll call it, attached, and it will come through from OdooSign and myself. And when you receive it, you'll need to open it up, and it will say sign here or click here to sign. You're not signing anything at the moment.\n\nWe're simply just gonna talk through the review pack itself and the documents.\n\nChannel 1: Yep. Okay. It's\n\nChannel 0: Lovely.\n\nChannel 1: come through. Okay. What do you need me to do?\n\nChannel 0: If you can just click on it and let me know when the first document comes up, I'll just navigate through this review pack with you\n\nChannel 1: Okay.\n\nChannel 0: to make sure everything is exactly the way we want it and talk through any flags that I need to with you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Okay.\n\nChannel 1: Far away.\n\nChannel 0: Lovely. So the first document should be a summary of your super insurance. So your super is still with hub twenty four, valued at approximately $192,806, and you have your life, TPD, and income protection through AIA, and those premiums are funded from your superannuation balance in hub twenty four. So looking at those levels of cover, you're still comfortable with what they are to meet you and your family's needs?\n\nChannel 1: 6,000 a month. Total benefit paid from super. 2,000\n\nChannel 0: Oh, that's\n\nChannel 1: per annum.\n\nChannel 0: the premium. That's the premium. Yeah.\n\nChannel 1: Oh, that's the premium.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So income protection. So so either life or total or permanent disability, it's 6,300 a month that I'd receive or Melanie would receive. Yeah?\n\nChannel 0: Yeah. Okay. So the life insurance sum insured is 454,946 thousand. So I'll use yesterday as an example because we know that it didn't happen. If you passed away yesterday, Malaney and your daughter would receive that lump sum.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: If...\n\nChannel 1: Yep.\n\nChannel 0: For TPD insurance, if you were totally and permanently disabled, so, again, if yesterday you're in a horrific car accident and you were totally and permanently disabled to the point where you'd be unable to work in your occupation or anything reasonably trained to do, you would receive that lump sum payout of the same amount, 454. And\n\nChannel 1: Yeah.\n\nChannel 0: then what income protection covers is your up to 70% of your taxable income if you're unable to work due to injury or illness. Now this is kind of like a temporary unable to work instead of a total as mentioned above in total and permanent disablement. So\n\nChannel 1: Yep.\n\nChannel 0: it it might be that... Think of an example. You hurt your shoulder and you end up having to have a shoulder reconstruction and... Or a shoulder surgery and you're gonna be off work for for three months,\n\nChannel 1: Yep. Yep. I understand.\n\nChannel 0: the first thirty days, you won't be paid. And then the following thirty days and thirty days after that, you'll receive your benefit up to a period of five years depending on the severity of the injury or illness and how long you'll be off work for.\n\nChannel 1: Yep. Yep. Cool. I understand that. That's all\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Lovely. So you don't have trauma insurance. Not sure if that's been spoken to you about in the past. I just need to mention it.\n\nChannel 1: What was that code again, sir?\n\nChannel 0: Trauma insurance.\n\nChannel 1: Oklahoma.\n\nChannel 0: Yeah. So that that type that type of policy again is a lump sum payment when you are diagnosed with an insurable event. So they range from cancer, heart attack, stroke, neurological diseases, and that premium is paid through your personal cash flow. Excuse me. Is that something that you'd be interested in exploring?\n\nChannel 1: No. I don't think so. No. Not yet.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: Okay. The next document across is your performance with Hub. So now we're moving on to your superannuation. Overall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months. The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund.\n\nThe the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months. It's the way different investment managers invest money, and Bennelong's investment philosophy is that they investigate underperforming... Oh, sorry, undervalued companies in the Australian share market for areas of potential growth. Now the last twelve months, it was the financials and resources that performed. Bennelong is turning around now in relation to performance, so they are performing again.\n\nHowever, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option. So it's... We don't react quickly. So, you know, investments in the share market go up and down due to the volatile nature of them. So replacing something quickly due to underperformance is where we\n\nChannel 1: Wait.\n\nChannel 0: we don't act. We hold and wait and make informed decisions. So we have made the decision that we would like to look at the appropriateness and review that for our clients within their fund. Are you happy for me to do that?\n\nChannel 1: Yep. Yep. That sounds fine.\n\nChannel 0: Lovely. Okay. There was one other option that I did wanna include to review in your portfolio, and that's the third one down being the Beta Bank Hybrid ETF. There's nothing wrong with that as an investment option. It forms part of your defensive part of the portfolio.\n\nHowever, the Australian banking system has changed, And from January 2027, those bank hybrids will be phased out as an investment option through the banking system. So given the uncertainty surrounding what they're gonna be replaced with, because I don't know yet, I'd like to take a little bit of a more proactive approach to look at potentially a replacement now as opposed to waiting and seeing. Is that... Are you comfortable for me to look at that?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Okay. The rest of your portfolio has been performing well. You've got some great satellite niche sectors in there, being the global agriculture and your global cybersecurity, which have both performed really well, giving you a little bit of diversification to the growth market, but some niche sectors. And you've got some gold exposure and also the iShares S and P five hundred, which is your global international American shares. So you you put...\n\nOverall, your portfolio is what... Is working well. It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well.\n\nChannel 1: Excellent. Sounds good.\n\nChannel 0: Okay. The next document along is the Vanguard index chart. This is an educational tool, and I'm gonna tie it into your... Our risk profile conversation that we need to have. So those top four along the right hand side of the page where it says US shares, Australian shares, international, and Australian listed property, they're your growth assets with the bottom two, Australian bonds and cash being your defensive style assets.\n\nNow you're currently invested as a growth investor, and what that means is that there's an allocation to growth assets and defensive assets. So we split... So your your superannuation funds are split to approximately 80% in those top four and twenty percent in the bottom two, and they obviously vary over time with market movement and contributions. The the minimum suggested time frame for a gross investor is six years. That allows you to withstand those market volatility that you can see on that lovely pretty little graph with the...\n\nWith a negative with a negative return likelihood of one year in every five years. The\n\nChannel 1: Yes.\n\nChannel 0: the reason why I bring it up in this conversation is every single time we have a review, we're gonna revisit your gross... Sorry, your risk profile and your your attitude and tolerance to grow... To risk being... Risk in this conversation being those top four, those growth assets. Now given that you're approximately eighteen years away from being able to access your superannuation, how are you feeling with that that growth risk profile?\n\nSo 80% to your growth assets and 20 to your defensive assets knowing that that 80% is gonna experience volatility throughout the coming\n\nChannel 1: Yeah.\n\nChannel 0: years.\n\nChannel 1: I think I'd like to lower the risk, to be honest.\n\nChannel 0: Yeah. Yep. Yeah. And so that means that we would look at... The next one down is a balanced growth investor, And in that that that risk profile, you're looking at about 70% allocated to your growth assets and 30% to your defensive assets with a negative like...\n\nOh, sorry. A negative return likely in one every six years.\n\nChannel 1: Okay. Let's go with that.\n\nChannel 0: Yeah. You... You'd like to decrease to a balanced growth?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Yeah. Just to dig a little bit deeper so I can make sure that I understand why. Well, not why, but... So I can make sure that I've got my notes to reflect that that we had a really good conversation about this. What is your thought process for that?\n\nChannel 1: Well, like, obviously, it's you you know, you you do this every day. Right? So you you know\n\nChannel 0: Mhmm.\n\nChannel 1: the ins and outs of this where I think I was happy to take I was happy to to take more of a risk in my my younger years, but I think I just... I'd rather know that. I think because of my family, I I\n\nChannel 0: Yeah.\n\nChannel 1: I just wanna... I just feel more comfortable with less risk,\n\nChannel 0: That's\n\nChannel 1: if that makes\n\nChannel 0: absolutely\n\nChannel 1: sense. It\n\nChannel 0: fine.\n\nChannel 1: just... Does\n\nChannel 0: It\n\nChannel 1: that make sense? Like, I'd\n\nChannel 0: it\n\nChannel 1: rather\n\nChannel 0: does.\n\nChannel 1: not have all my eggs in in in one basket. I'd rather just have my safety basket and then, you\n\nChannel 0: Yep.\n\nChannel 1: know, a couple of fingers out of the boat seeing, you know, if we can... If it's a 70\n\nChannel 0: I understand.\n\nChannel 1: 30, that's still that's still... You know, we can still achieve some goals there. Yeah.\n\nChannel 0: Okay. Nope. That's absolutely fine, and I completely understand. So just to finalize that, a gross portfolio, you're expecting a return... An average annual return of between seven to 9% per annum long term.\n\nSo not per year, but long term rolling\n\nChannel 1: Yep.\n\nChannel 0: with a balanced gross being six to 8% per annum long term rolling. So you're comfortable with that slightly 1% less either side?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Fantastic. That's absolutely fine.\n\nChannel 1: Like, I'm\n\nChannel 0: And\n\nChannel 1: still\n\nChannel 0: I\n\nChannel 1: gonna\n\nChannel 0: can...\n\nChannel 1: see that number grow. Right? The number's gonna keep growing with the contributions\n\nChannel 0: It...\n\nChannel 1: and and and the investing.\n\nChannel 0: Yeah.\n\nChannel 1: But if if\n\nChannel 0: Yeah.\n\nChannel 1: the market was if the market was to completely crash tomorrow, what would happen\n\nChannel 0: Mhmm.\n\nChannel 1: what would happen to those funds?\n\nChannel 0: Okay. So great question. So if we look at... So you're looking at that chart right now. Still yes?\n\nYep. So let's look at nineteen twenty COVID nineteen. That's probably the most recent significant crash everyone recalls.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: you'll see along the top, there's some black writing. If you navigate to COVID nineteen in the 1920 year, you'll see the market absolutely plummeted\n\nChannel 1: Yeah.\n\nChannel 0: with property being one of the main ones that plummeted significantly, but we all know what happened with property\n\nChannel 1: Yeah.\n\nChannel 0: after that.\n\nChannel 1: Yeah.\n\nChannel 0: So that's that's essentially what will happen. Your portfolio, if the market crashes, your portfolio is gonna crash with it. The question is is how long do you have to allow for your portfolio to recover? So given that it's your superannuation and you can't access it to your age 60, that's eighteen years.\n\nChannel 1: Yeah.\n\nChannel 0: So every single year, what happens is is we have a conversation about risk profiles. For example, I had a conversation yesterday with a client that is about five years away from retirement, and we're\n\nChannel 1: Okay.\n\nChannel 0: looking at... That's the time where we'd start to look at reducing some of the growth assets and increasing our defensive assets because we we wanna lower the risk for him\n\nChannel 1: Yep.\n\nChannel 0: as he approaches retirement. Now he's only five years away from being able to access his superannuation. So he needed, and logically for him, needed to reduce his risk.\n\nChannel 1: Yep.\n\nChannel 0: If we flip it for your situation, you have your investment property, which is held in your personal name.\n\nChannel 1: Yes.\n\nChannel 0: So that's a great investment for yourself to hold personally. You've got your superannuation, which is invested across a split of growth and defensive assets. So property would consider a growth asset. So you've got a big growth asset in your personal name sitting there that's generating you some long term growth and also some income.\n\nChannel 1: Yes.\n\nChannel 0: Now the same the same thought process can be applied to a superannuation fund. We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property. You're\n\nChannel 1: Yeah.\n\nChannel 0: investing for long term growth. So if you think of your superannuation in a similar way to your investment property, me person... Not me personally. My job as an adviser is to make sure that you're invested in a risk that is appropriate for you, being your tolerance to risk and your comfort. So one of the things I like to call it is the sleep at night test.\n\nIs your\n\nChannel 1: Yes.\n\nChannel 0: superannuation keeping you up at night? Are you worried about the performance of it? When the market drops, do you immediately worry about your superannuation? Or is it more that you're not sure how the market behaves and you're unsure about the level of risk to take for that?\n\nChannel 1: Yep. Okay.\n\nChannel 0: So we can definitely drop it down to a balanced growth. And like you said, I do this day in and day out. So for me, I understand it, but... Not understand it, but I can I can explain it and, you know, make it make sense in my head?\n\nChannel 1: Yes.\n\nChannel 0: But for but for other people that don't do it day in and day out, it can be scary to consider losses.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. I think... Yeah. Drop it down then to the $70.30, the balance. Like, we know that\n\nChannel 0: Yep.\n\nChannel 1: we got the we know that we got the investment. We know that we\n\nChannel 0: Mhmm.\n\nChannel 1: still got eighteen years. We're only reducing it by 1%. Let's see how that let's see how that plays out for twelve months, and then we'll we'll look at it again next year. Whether\n\nChannel 0: No\n\nChannel 1: we\n\nChannel 0: worries\n\nChannel 1: just\n\nChannel 0: at all.\n\nChannel 1: revert\n\nChannel 0: Yep.\n\nChannel 1: it back or or, yeah, see what's happening around the world then.\n\nChannel 0: Absolutely. I can definitely arrange that. The next two documents are your certificates of currency. So what they are is certificates stating that your insurances are in place with AIA. So they're the levels of cover we talked about on the first page.\n\nSo they're just for your information to confirm that they are in place.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: The following document is our financial services guide. So you would have received this in the past, and we have an updated version. It's just... It's a legal requirement that we supply this to our clients to provide information. So it will tell you who we are, who we're licensed through, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, an overview of our fees, and also the complaints process should you need to do that.\n\nChannel 1: Perfect.\n\nChannel 0: And the final document is your ongoing service agreement. So each year, you'll sign a document if you wish to continue being a client and receiving advice. So for you, the annual fees for this coming year or twelve months, I should say, is $3,340.37, which is deducted monthly from your superannuation fund, which I estimate to be $278.36 per month. What that fee covers is your reviews that we're doing now. The work that I'm gonna do post this to review those insurance...\n\nSorry, insurance investment options and also look at a portfolio to take you down to a balanced growth. But you're also not limited in the amount you contact us. So you don't need to wait to each annual review if you have a question or a query or you need to seek further advice. You just reach out, and we make that appointment happen. So that's what that fee covers you for.\n\nAnd that's the end of those documents. So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us. And, basically, the next steps that I'm gonna do from here is I'm going to go away, do that research on that replacement fund funds, but I'm also gonna look at a different portfolio from... For you. So I probably make a recommendation to change all of...\n\nMost of the investments within your fund, and it might not be changing them as a whole. It might be just reducing exposure to some of them, so reducing the amount that we have invested with them to\n\nChannel 1: Yeah.\n\nChannel 0: go to to be more in line with that $70.30 split.\n\nChannel 1: Perfect.\n\nChannel 0: Yeah. So that takes about two weeks to do because then we're... We've gotta do an advice document and then present that to you. So I am wondering, the week beginning the October 19, what availability do you have?\n\nChannel 1: To be honest, around this sort of time, Monday to Friday, I'm I'm pretty free. I don't...\n\nChannel 0: Yeah.\n\nChannel 1: Work's pretty flexible. Yeah. Yeah.\n\nChannel 0: Okay. So if\n\nChannel 1: As long\n\nChannel 0: I\n\nChannel 1: as\n\nChannel 0: have\n\nChannel 1: you remind\n\nChannel 0: a...\n\nChannel 1: me on\n\nChannel 0: I\n\nChannel 1: the day.\n\nChannel 0: can def... I can definitely do that. So this is around twelve WA time?\n\nChannel 1: Right. Yeah. Yep.\n\nChannel 0: Okay. Let... Because Daylight Savings, the bane of my existence will be in play by then. So give me one second to figure out what time that would be here to make sure that I get it right for you. So twelve WA time is two Queensland time.\n\nSo I can book that in on Thursday, the twenty second. Does\n\nChannel 1: Yeah.\n\nChannel 0: that sound okay? Did you want me to send you a calendar invite and a text message the day of or the day before?\n\nChannel 1: Yeah. Day day off. Text message day off. I remember the day. It's my brother's birthday, so that's that's fine.\n\nChannel 0: Oh,\n\nChannel 1: 12:00.\n\nChannel 0: do you wanna do a different do you wanna do a different day?\n\nChannel 1: No. No. No. No. No.\n\nNo. That's fine.\n\nChannel 0: No?\n\nChannel 1: Yep. Twenty\n\nChannel 0: Okay.\n\nChannel 1: second. No. Easy... Easier to remember. Yep.\n\nChannel 0: Okay. Fantastic. Well, I'll have a a... I'll get a text scheduled to text you that morning.\n\nChannel 1: Perfect. I'll just sign\n\nChannel 0: Lovely.\n\nChannel 1: those documents. They they should... You should get them back in a second.\n\nChannel 0: Fantastic. Thank you for that, Jonathan. And in the meantime, any other questions that you have for me?\n\nChannel 1: No. Not really. If you can\n\nChannel 0: No.\n\nChannel 1: send me through that information about the about the wheels, that'd be great.\n\nChannel 0: I've... Yeah. 100%, I will do that for you.\n\nChannel 1: Once we're settled into a new rental where, you know, that'll be the next thing we can, you know, strike\n\nChannel 0: And...\n\nChannel 1: off the list when we\n\nChannel 0: Absolutely.\n\nChannel 1: get around to it.\n\nChannel 0: Absolutely. So they will also... If you do wish to proceed with them, they can do it via phone and all that with you as well.\n\nChannel 1: Oh, brilliant.\n\nChannel 0: So they're based here in Queensland, and the brochure does say Queensland, but it's Australia wide. So just disregard that. And, yeah, they can work with you to do that.\n\nChannel 1: Yep. Excellent. Sounds good. Thanks, Jenna.\n\nChannel 0: Wonderful. Well, thank you so much for your time. I appreciate it, and I will be speaking with you again on the twenty second.\n\nChannel 1: Excellent. Have a great afternoon. Thanks, mate.\n\nChannel 0: You too.\n\nChannel 1: Appreciate\n\nChannel 0: You\n\nChannel 1: it.\n\nChannel 0: too. Bye.\n\nChannel 1: See you. Bye bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.004349861294031143},{"text":"You're speaking with John.","start":2.1599998,"end":3.22,"sentiment":"neutral","sentiment_score":0.003706597723066807}],"sentiment":"neutral","sentiment_score":0.003835250437259674,"channel":1,"num_words":5,"start":1.76,"end":3.22},{"sentences":[{"text":"Hi, 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sum.","start":1308.49,"end":1314.1101,"sentiment":"neutral","sentiment_score":-0.11124367586203984}],"sentiment":"neutral","sentiment_score":-0.049589970925201975,"channel":0,"num_words":39,"start":1295.4451,"end":1314.1101},{"sentences":[{"text":"Okay.","start":1314.585,"end":1314.985,"sentiment":"neutral","sentiment_score":0.017114371061325073},{"text":"Yep.","start":1314.985,"end":1315.225,"sentiment":"neutral","sentiment_score":0.013228707015514374},{"text":"Yep.","start":1315.225,"end":1315.5449,"sentiment":"neutral","sentiment_score":0.0074331993237137794}],"sentiment":"neutral","sentiment_score":0.012592092466851076,"channel":1,"num_words":3,"start":1314.585,"end":1315.5449},{"sentences":[{"text":"If...","start":1315.3849,"end":1315.8849,"sentiment":"neutral","sentiment_score":-0.008433854207396507}],"sentiment":"neutral","sentiment_score":-0.008433854207396507,"channel":0,"num_words":1,"start":1315.3849,"end":1315.8849},{"sentences":[{"text":"Yep.","start":1315.5449,"end":1316.0449,"sentiment":"neutral","sentiment_score":-0.0029111504554748535}],"sentiment":"neutral","sentiment_score":-0.0029111504554748535,"channel":1,"num_words":1,"start":1315.5449,"end":1316.0449},{"sentences":[{"text":"For TPD insurance, if you were totally and permanently disabled, so, again, if yesterday you're in a horrific car accident and you were totally and permanently disabled to the point where you'd be unable to work in your occupation or anything reasonably trained to do, you would receive that lump sum payout of the same amount, 454.","start":1316.1849,"end":1339.72,"sentiment":"neutral","sentiment_score":-0.1659702524019961},{"text":"And","start":1340.1,"end":1340.2599,"sentiment":"neutral","sentiment_score":0.0010267943143844604}],"sentiment":"neutral","sentiment_score":-0.16309099297585158,"channel":0,"num_words":58,"start":1316.1849,"end":1340.2599},{"sentences":[{"text":"Yeah.","start":1340.175,"end":1340.675,"sentiment":"neutral","sentiment_score":-0.08272255957126617}],"sentiment":"neutral","sentiment_score":-0.08272255957126617,"channel":1,"num_words":1,"start":1340.175,"end":1340.675},{"sentences":[{"text":"then what income protection covers is your up to 70% of your taxable income if you're unable to work due to injury or illness.","start":1340.2599,"end":1352.0851,"sentiment":"neutral","sentiment_score":-0.11108695575967431},{"text":"Now this is kind of like a temporary unable to work instead of a total as mentioned above in total and permanent disablement.","start":1352.0851,"end":1360.41,"sentiment":"neutral","sentiment_score":-0.2734569706346678},{"text":"So","start":1360.63,"end":1361.13,"sentiment":"neutral","sentiment_score":-0.03464564308524132}],"sentiment":"neutral","sentiment_score":-0.187296727206558,"channel":0,"num_words":48,"start":1340.2599,"end":1361.13},{"sentences":[{"text":"Yep.","start":1361.535,"end":1362.035,"sentiment":"neutral","sentiment_score":-0.037899475544691086}],"sentiment":"neutral","sentiment_score":-0.037899475544691086,"channel":1,"num_words":1,"start":1361.535,"end":1362.035},{"sentences":[{"text":"it it might be that...","start":1361.8301,"end":1363.13,"sentiment":"neutral","sentiment_score":-0.035828324034810066},{"text":"Think of an example.","start":1366.0701,"end":1367.03,"sentiment":"neutral","sentiment_score":-0.0451474916189909},{"text":"You hurt your shoulder and you end up having to have a shoulder reconstruction and...","start":1367.03,"end":1372.87,"sentiment":"neutral","sentiment_score":-0.14804706821839014},{"text":"Or a shoulder surgery and you're gonna be off work for for three months,","start":1372.87,"end":1377.915,"sentiment":"neutral","sentiment_score":-0.12164068009172167}],"sentiment":"neutral","sentiment_score":-0.11272124029499919,"channel":0,"num_words":38,"start":1361.8301,"end":1377.915},{"sentences":[{"text":"Yep.","start":1378.26,"end":1378.58,"sentiment":"neutral","sentiment_score":-0.05312389135360718},{"text":"Yep.","start":1378.58,"end":1378.8999,"sentiment":"neutral","sentiment_score":-0.01687363162636757},{"text":"I understand.","start":1378.8999,"end":1379.5599,"sentiment":"neutral","sentiment_score":-0.020276579074561596}],"sentiment":"neutral","sentiment_score":-0.027637670282274485,"channel":1,"num_words":4,"start":1378.26,"end":1379.5599},{"sentences":[{"text":"the first thirty days, you won't be paid.","start":1380.295,"end":1382.795,"sentiment":"neutral","sentiment_score":-0.06406114203855395},{"text":"And then the following thirty days and thirty days after that, you'll receive your benefit up to a period of five years depending on the severity of the injury or illness and how long you'll be off work for.","start":1382.855,"end":1396.08,"sentiment":"neutral","sentiment_score":-0.0468431738181374}],"sentiment":"neutral","sentiment_score":-0.04977389181310192,"channel":0,"num_words":47,"start":1380.295,"end":1396.08},{"sentences":[{"text":"Yep.","start":1396.18,"end":1396.5,"sentiment":"neutral","sentiment_score":0.01961136050522327},{"text":"Yep.","start":1396.5,"end":1396.7401,"sentiment":"neutral","sentiment_score":0.03775308281183243},{"text":"Cool.","start":1396.7401,"end":1397.06,"sentiment":"neutral","sentiment_score":0.13055473566055298},{"text":"I understand that.","start":1397.06,"end":1398.1001,"sentiment":"neutral","sentiment_score":0.13977881769339243},{"text":"That's all","start":1398.1001,"end":1398.5801,"sentiment":"neutral","sentiment_score":0.16181299090385437}],"sentiment":"neutral","sentiment_score":0.11636020173318684,"channel":1,"num_words":8,"start":1396.18,"end":1398.5801},{"sentences":[{"text":"Yep.","start":1398.54,"end":1399.04,"sentiment":"neutral","sentiment_score":0.23374758660793304}],"sentiment":"neutral","sentiment_score":0.23374758660793304,"channel":0,"num_words":1,"start":1398.54,"end":1399.04},{"sentences":[{"text":"good.","start":1398.5801,"end":1399.0801,"sentiment":"positive","sentiment_score":0.3871569633483886}],"sentiment":"positive","sentiment_score":0.3871569633483886,"channel":1,"num_words":1,"start":1398.5801,"end":1399.0801},{"sentences":[{"text":"Lovely.","start":1399.9,"end":1400.4,"sentiment":"positive","sentiment_score":0.3840950131416321},{"text":"So you don't have trauma insurance.","start":1400.62,"end":1402.915,"sentiment":"neutral","sentiment_score":0.04806649684906006},{"text":"Not sure if that's been spoken to you about in the past.","start":1403.215,"end":1406.415,"sentiment":"neutral","sentiment_score":-0.013662179776777824},{"text":"I just need to mention it.","start":1406.415,"end":1408.6749,"sentiment":"neutral","sentiment_score":-0.007916454691439867}],"sentiment":"neutral","sentiment_score":0.018441964350640775,"channel":0,"num_words":25,"start":1399.9,"end":1408.6749},{"sentences":[{"text":"What was that code again, sir?","start":1408.885,"end":1410.585,"sentiment":"neutral","sentiment_score":-0.005163103807717562}],"sentiment":"neutral","sentiment_score":-0.005163103807717562,"channel":1,"num_words":6,"start":1408.885,"end":1410.585},{"sentences":[{"text":"Trauma insurance.","start":1411.2949,"end":1412.275,"sentiment":"neutral","sentiment_score":-0.006094900192692875}],"sentiment":"neutral","sentiment_score":-0.006094900192692875,"channel":0,"num_words":2,"start":1411.2949,"end":1412.275},{"sentences":[{"text":"Oklahoma.","start":1412.805,"end":1413.305,"sentiment":"neutral","sentiment_score":0.0014500254765152931}],"sentiment":"neutral","sentiment_score":0.0014500254765152931,"channel":1,"num_words":1,"start":1412.805,"end":1413.305},{"sentences":[{"text":"Yeah.","start":1414.495,"end":1414.995,"sentiment":"neutral","sentiment_score":0.005779555067420006},{"text":"So that that type that type of policy again is a lump sum payment when you are diagnosed with an insurable event.","start":1415.64,"end":1423.72,"sentiment":"neutral","sentiment_score":0.016110328703441402},{"text":"So they range from cancer, heart attack, stroke, neurological diseases, and that premium is paid through your personal cash flow.","start":1423.72,"end":1433.375,"sentiment":"neutral","sentiment_score":0.00278224004432559},{"text":"Excuse me.","start":1434.155,"end":1435.135,"sentiment":"neutral","sentiment_score":-0.02226643357425928},{"text":"Is that something that you'd be interested in exploring?","start":1436.9551,"end":1439.6951,"sentiment":"neutral","sentiment_score":-0.01508183472065462}],"sentiment":"neutral","sentiment_score":0.004362633477689492,"channel":0,"num_words":54,"start":1414.495,"end":1439.6951},{"sentences":[{"text":"No.","start":1440.8049,"end":1440.965,"sentiment":"neutral","sentiment_score":-0.1290595978498459},{"text":"I don't think so.","start":1440.965,"end":1441.9249,"sentiment":"neutral","sentiment_score":-0.11529450677335262},{"text":"No.","start":1441.9249,"end":1442.1649,"sentiment":"neutral","sentiment_score":-0.1172616481781006},{"text":"Not yet.","start":1442.1649,"end":1442.9049,"sentiment":"neutral","sentiment_score":-0.11168986558914185}],"sentiment":"neutral","sentiment_score":-0.11635987553745508,"channel":1,"num_words":8,"start":1440.8049,"end":1442.9049},{"sentences":[{"text":"No?","start":1442.555,"end":1443.055,"sentiment":"neutral","sentiment_score":-0.099978007376194}],"sentiment":"neutral","sentiment_score":-0.099978007376194,"channel":0,"num_words":1,"start":1442.555,"end":1443.055},{"sentences":[{"text":"No.","start":1443.5249,"end":1444.0249,"sentiment":"neutral","sentiment_score":-0.094337597489357}],"sentiment":"neutral","sentiment_score":-0.094337597489357,"channel":1,"num_words":1,"start":1443.5249,"end":1444.0249},{"sentences":[{"text":"Okay.","start":1443.995,"end":1444.495,"sentiment":"neutral","sentiment_score":-0.04589340090751648},{"text":"The next document across is your performance with Hub.","start":1445.89,"end":1449.41,"sentiment":"neutral","sentiment_score":-0.03551860050194793},{"text":"So now we're moving on to your superannuation.","start":1449.41,"end":1451.59,"sentiment":"neutral","sentiment_score":-0.020672762067988515},{"text":"Overall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months.","start":1454.29,"end":1462.9651,"sentiment":"neutral","sentiment_score":-0.10983057555399443},{"text":"The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund.","start":1464.305,"end":1475.365,"sentiment":"neutral","sentiment_score":-0.27445846186442807}],"sentiment":"neutral","sentiment_score":-0.14670864404258083,"channel":0,"num_words":59,"start":1443.995,"end":1475.365},{"sentences":[{"text":"The the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months.","start":1477.37,"end":1487.685,"sentiment":"negative","sentiment_score":-0.5343215361885403},{"text":"It's the way different investment managers invest money, and Bennelong's investment philosophy is that they investigate underperforming...","start":1488.005,"end":1502.7,"sentiment":"neutral","sentiment_score":-0.28126102685928345},{"text":"Oh, sorry, undervalued companies in the Australian share market for areas of potential growth.","start":1503.24,"end":1508.62,"sentiment":"neutral","sentiment_score":-0.28659468037741526},{"text":"Now the last twelve months, it was the financials and resources that performed.","start":1508.9199,"end":1514.7799,"sentiment":"neutral","sentiment_score":0.06196984734672766},{"text":"Bennelong is turning around now in relation to performance, so they are performing again.","start":1516.175,"end":1521.615,"sentiment":"neutral","sentiment_score":0.31213030964136124}],"sentiment":"neutral","sentiment_score":-0.19639167856471038,"channel":0,"num_words":81,"start":1477.37,"end":1521.615},{"sentences":[{"text":"However, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option.","start":1521.615,"end":1539.31,"sentiment":"neutral","sentiment_score":0.023990299307594175},{"text":"So it's...","start":1539.6101,"end":1540.43,"sentiment":"neutral","sentiment_score":0.001945045660249889},{"text":"We don't react quickly.","start":1541.93,"end":1543.31,"sentiment":"neutral","sentiment_score":-0.21290826797485352},{"text":"So, you know, investments in the share market go up and down due to the volatile nature of them.","start":1543.37,"end":1550.375,"sentiment":"neutral","sentiment_score":-0.23081485221260473},{"text":"So replacing something quickly due to underperformance is where we","start":1551.555,"end":1557.555,"sentiment":"neutral","sentiment_score":-0.23038628846406936}],"sentiment":"neutral","sentiment_score":-0.09075968059685642,"channel":0,"num_words":73,"start":1521.615,"end":1557.555},{"sentences":[{"text":"Wait.","start":1557.475,"end":1557.975,"sentiment":"neutral","sentiment_score":-0.2441699504852295}],"sentiment":"neutral","sentiment_score":-0.2441699504852295,"channel":1,"num_words":1,"start":1557.475,"end":1557.975},{"sentences":[{"text":"we don't act.","start":1557.555,"end":1558.44,"sentiment":"neutral","sentiment_score":-0.25390488902727765},{"text":"We hold and wait and make informed decisions.","start":1558.6799,"end":1563.1799,"sentiment":"neutral","sentiment_score":-0.17889397591352463},{"text":"So we have made the decision that we would like to look at the appropriateness and review that for our clients within their fund.","start":1564.36,"end":1571.5599,"sentiment":"neutral","sentiment_score":0.05460020123670498},{"text":"Are you happy for me to do that?","start":1571.5599,"end":1573.455,"sentiment":"neutral","sentiment_score":0.23379119113087654}],"sentiment":"neutral","sentiment_score":0.02297367172878842,"channel":0,"num_words":43,"start":1557.555,"end":1573.455},{"sentences":[{"text":"Yep.","start":1574.24,"end":1574.7201,"sentiment":"neutral","sentiment_score":0.141860231757164},{"text":"Yep.","start":1574.7201,"end":1575.12,"sentiment":"neutral","sentiment_score":0.20825688540935516},{"text":"That sounds fine.","start":1575.12,"end":1576.18,"sentiment":"positive","sentiment_score":0.5121304094791412}],"sentiment":"positive","sentiment_score":0.37730166912078855,"channel":1,"num_words":5,"start":1574.24,"end":1576.18},{"sentences":[{"text":"Lovely.","start":1575.9349,"end":1576.4349,"sentiment":"positive","sentiment_score":0.5855464935302734},{"text":"Okay.","start":1577.0549,"end":1577.5549,"sentiment":"neutral","sentiment_score":0.2661746144294739},{"text":"There was one other option that I did wanna include to review in your portfolio, and that's the third one down being the Beta Bank Hybrid ETF.","start":1578.8949,"end":1588.4349,"sentiment":"neutral","sentiment_score":0.1318957598672973},{"text":"There's nothing wrong with that as an investment option.","start":1589.52,"end":1594.4,"sentiment":"neutral","sentiment_score":0.14950566324922773},{"text":"It forms part of your defensive part of the portfolio.","start":1594.4,"end":1597.14,"sentiment":"neutral","sentiment_score":0.10815171152353287}],"sentiment":"neutral","sentiment_score":0.142499473101149,"channel":0,"num_words":48,"start":1575.9349,"end":1597.14},{"sentences":[{"text":"However, the Australian banking system has changed, And from January 2027, those bank hybrids will be phased out as an investment option through the banking system.","start":1598.16,"end":1609.8251,"sentiment":"neutral","sentiment_score":-0.01988150329830555},{"text":"So given the uncertainty surrounding what they're gonna be replaced with, because I don't know yet, I'd like to take a little bit of a more proactive approach to look at potentially a replacement now as opposed to waiting and seeing.","start":1610.285,"end":1626.7999,"sentiment":"neutral","sentiment_score":-0.04270976990824792},{"text":"Is that...","start":1627.0199,"end":1627.58,"sentiment":"neutral","sentiment_score":-0.007198513485491276},{"text":"Are you comfortable for me to look at that?","start":1627.58,"end":1629.705,"sentiment":"neutral","sentiment_score":-0.0002309833135869768}],"sentiment":"neutral","sentiment_score":-0.02928840421522275,"channel":0,"num_words":78,"start":1598.16,"end":1629.705},{"sentences":[{"text":"Yep.","start":1630.24,"end":1630.72,"sentiment":"neutral","sentiment_score":0.08663499355316162},{"text":"Yep.","start":1630.72,"end":1631.0399,"sentiment":"neutral","sentiment_score":0.11372872442007063},{"text":"That's fine.","start":1631.0399,"end":1631.86,"sentiment":"neutral","sentiment_score":0.2234155461192131}],"sentiment":"neutral","sentiment_score":0.16179870255291462,"channel":1,"num_words":4,"start":1630.24,"end":1631.86},{"sentences":[{"text":"Okay.","start":1632.745,"end":1633.245,"sentiment":"neutral","sentiment_score":0.26443028450012207},{"text":"The rest of your portfolio has been performing well.","start":1633.945,"end":1638.5249,"sentiment":"positive","sentiment_score":0.4472980664836036},{"text":"You've got some great satellite niche sectors in there, being the global agriculture and your global cybersecurity, which have both performed really well, giving you a little bit of diversification to the growth market, but some niche sectors.","start":1639.625,"end":1658.36,"sentiment":"positive","sentiment_score":0.42182402704891403},{"text":"And you've got some gold exposure and also the iShares S and P five hundred, which is your global international American shares.","start":1658.8451,"end":1667.665,"sentiment":"neutral","sentiment_score":0.27105710723183374},{"text":"So you you put...","start":1669.7251,"end":1670.685,"sentiment":"neutral","sentiment_score":0.14833766967058182}],"sentiment":"positive","sentiment_score":0.3631896344391075,"channel":0,"num_words":74,"start":1632.745,"end":1670.685},{"sentences":[{"text":"Overall, your portfolio is what...","start":1670.685,"end":1672.4451,"sentiment":"neutral","sentiment_score":0.26032002866268156},{"text":"Is working well.","start":1672.4451,"end":1673.905,"sentiment":"neutral","sentiment_score":0.2853747308254242},{"text":"It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well.","start":1674.11,"end":1685.89,"sentiment":"neutral","sentiment_score":0.1455935673101952}],"sentiment":"neutral","sentiment_score":0.16717999768645866,"channel":0,"num_words":46,"start":1670.685,"end":1685.89},{"sentences":[{"text":"Excellent.","start":1686.7101,"end":1687.2101,"sentiment":"positive","sentiment_score":0.7494696378707886},{"text":"Sounds good.","start":1687.43,"end":1688.3301,"sentiment":"positive","sentiment_score":0.6865963339805603}],"sentiment":"positive","sentiment_score":0.7075541019439697,"channel":1,"num_words":3,"start":1686.7101,"end":1688.3301},{"sentences":[{"text":"Okay.","start":1688.91,"end":1689.41,"sentiment":"neutral","sentiment_score":0.17878127098083496},{"text":"The next document along is the Vanguard index chart.","start":1690.005,"end":1693.465,"sentiment":"neutral","sentiment_score":0.040246907621622086},{"text":"This is an educational tool, and I'm gonna tie it into your...","start":1694.645,"end":1698.725,"sentiment":"neutral","sentiment_score":0.05581019291033348},{"text":"Our risk profile conversation that we need to have.","start":1698.725,"end":1701.465,"sentiment":"neutral","sentiment_score":0.0033499769245584807},{"text":"So those top four along the right hand side of the page where it says US shares, Australian shares, international, and Australian listed property, they're your growth assets with the bottom two, Australian bonds and cash being your defensive style assets.","start":1701.925,"end":1720.32,"sentiment":"neutral","sentiment_score":0.02324350955101048}],"sentiment":"neutral","sentiment_score":0.030470269977942936,"channel":0,"num_words":72,"start":1688.91,"end":1720.32},{"sentences":[{"text":"Now you're currently invested as a growth investor, and what that means is that there's an allocation to growth assets and defensive assets.","start":1721.2949,"end":1734.0,"sentiment":"neutral","sentiment_score":0.017071961708690808},{"text":"So we split...","start":1734.16,"end":1735.2,"sentiment":"neutral","sentiment_score":0.0028982842341065407},{"text":"So your your superannuation funds are split to approximately 80% in those top four and twenty percent in the bottom two, and they obviously vary over time with market movement and contributions.","start":1735.2,"end":1748.74,"sentiment":"neutral","sentiment_score":0.015228210249915719},{"text":"The the minimum suggested time frame for a gross investor is six years.","start":1750.765,"end":1758.145,"sentiment":"neutral","sentiment_score":0.02808814925643114},{"text":"That allows you to withstand those market volatility that you can see on that lovely pretty little graph with 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there's some black writing.","start":2011.545,"end":2014.8251,"sentiment":"neutral","sentiment_score":-0.06918732842637433},{"text":"If you navigate to COVID nineteen in the 1920 year, you'll see the market absolutely plummeted","start":2014.8251,"end":2020.76,"sentiment":"neutral","sentiment_score":-0.17551530990749598}],"sentiment":"neutral","sentiment_score":-0.13723723657429218,"channel":0,"num_words":25,"start":2011.545,"end":2020.76},{"sentences":[{"text":"Yeah.","start":2021.58,"end":2022.08,"sentiment":"neutral","sentiment_score":-0.1861173510551453}],"sentiment":"neutral","sentiment_score":-0.1861173510551453,"channel":1,"num_words":1,"start":2021.58,"end":2022.08},{"sentences":[{"text":"with property being one of the main ones that plummeted significantly, but we all know what happened with property","start":2023.7,"end":2031.24,"sentiment":"neutral","sentiment_score":-0.2527686977072766}],"sentiment":"neutral","sentiment_score":-0.2527686977072766,"channel":0,"num_words":19,"start":2023.7,"end":2031.24},{"sentences":[{"text":"Yeah.","start":2031.845,"end":2032.345,"sentiment":"neutral","sentiment_score":-0.1428999900817871}],"sentiment":"neutral","sentiment_score":-0.1428999900817871,"channel":1,"num_words":1,"start":2031.845,"end":2032.345},{"sentences":[{"text":"after that.","start":2031.94,"end":2032.755,"sentiment":"neutral","sentiment_score":-0.14407920837402344}],"sentiment":"neutral","sentiment_score":-0.14407920837402344,"channel":0,"num_words":2,"start":2031.94,"end":2032.755},{"sentences":[{"text":"Yeah.","start":2033.125,"end":2033.625,"sentiment":"neutral","sentiment_score":-0.12091100215911864}],"sentiment":"neutral","sentiment_score":-0.12091100215911864,"channel":1,"num_words":1,"start":2033.125,"end":2033.625},{"sentences":[{"text":"So that's that's essentially what will happen.","start":2034.675,"end":2037.235,"sentiment":"neutral","sentiment_score":-0.143390562917505},{"text":"Your portfolio, if the market crashes, your portfolio is gonna crash with it.","start":2037.235,"end":2042.295,"sentiment":"negative","sentiment_score":-0.3856387207141289},{"text":"The question is is how long do you have to allow for your portfolio to recover?","start":2043.155,"end":2050.95,"sentiment":"neutral","sentiment_score":-0.24064194783568382},{"text":"So given that it's your superannuation and you can't access it to your age 60, that's eighteen years.","start":2051.8901,"end":2059.285,"sentiment":"neutral","sentiment_score":-0.19714473187923431}],"sentiment":"neutral","sentiment_score":-0.24844284535006242,"channel":0,"num_words":54,"start":2034.675,"end":2059.285},{"sentences":[{"text":"Yeah.","start":2060.075,"end":2060.575,"sentiment":"neutral","sentiment_score":-0.07360900938510895}],"sentiment":"neutral","sentiment_score":-0.07360900938510895,"channel":1,"num_words":1,"start":2060.075,"end":2060.575},{"sentences":[{"text":"So every single year, what happens is is we have a conversation about risk profiles.","start":2061.7449,"end":2068.4849,"sentiment":"neutral","sentiment_score":-0.10967075675725937},{"text":"For example, I had a conversation yesterday with a client that is about five years away from retirement, and we're","start":2069.44,"end":2078.08,"sentiment":"neutral","sentiment_score":-0.08872205782681704}],"sentiment":"neutral","sentiment_score":-0.09770007165414947,"channel":0,"num_words":35,"start":2061.7449,"end":2078.08},{"sentences":[{"text":"Okay.","start":2077.8098,"end":2078.3098,"sentiment":"neutral","sentiment_score":-0.0331745482981205}],"sentiment":"neutral","sentiment_score":-0.0331745482981205,"channel":1,"num_words":1,"start":2077.8098,"end":2078.3098},{"sentences":[{"text":"looking at...","start":2078.08,"end":2079.3,"sentiment":"neutral","sentiment_score":-0.016112517565488815},{"text":"That's the time where we'd start to look at reducing some of the growth assets and increasing our defensive assets because we we wanna lower the risk for him","start":2080.1602,"end":2092.605,"sentiment":"neutral","sentiment_score":-0.03544326434875357}],"sentiment":"neutral","sentiment_score":-0.03419611939499455,"channel":0,"num_words":31,"start":2078.08,"end":2092.605},{"sentences":[{"text":"Yep.","start":2093.335,"end":2093.835,"sentiment":"neutral","sentiment_score":-0.00798310898244381}],"sentiment":"neutral","sentiment_score":-0.00798310898244381,"channel":1,"num_words":1,"start":2093.335,"end":2093.835},{"sentences":[{"text":"as he approaches retirement.","start":2093.7048,"end":2095.405,"sentiment":"neutral","sentiment_score":-0.024942034855484962},{"text":"Now he's only five years away from being able to access his superannuation.","start":2095.93,"end":2100.19,"sentiment":"neutral","sentiment_score":-0.06473509852702801},{"text":"So he needed, and logically for him, needed to reduce his risk.","start":2101.45,"end":2107.71,"sentiment":"neutral","sentiment_score":-0.07063809409737587}],"sentiment":"neutral","sentiment_score":-0.061689018946269464,"channel":0,"num_words":29,"start":2093.7048,"end":2107.71},{"sentences":[{"text":"Yep.","start":2108.49,"end":2108.99,"sentiment":"neutral","sentiment_score":0.0980388969182968}],"sentiment":"neutral","sentiment_score":0.0980388969182968,"channel":1,"num_words":1,"start":2108.49,"end":2108.99},{"sentences":[{"text":"If we flip it for your situation, you have your investment property, which is held in your personal 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got a big growth asset in your personal name sitting there that's generating you some long term growth and also some income.","start":2136.815,"end":2145.875,"sentiment":"positive","sentiment_score":0.346499428153038}],"sentiment":"neutral","sentiment_score":0.3295190869165318,"channel":0,"num_words":56,"start":2120.34,"end":2145.875},{"sentences":[{"text":"Yes.","start":2146.975,"end":2147.475,"sentiment":"neutral","sentiment_score":0.08480112999677658}],"sentiment":"neutral","sentiment_score":0.08480112999677658,"channel":1,"num_words":1,"start":2146.975,"end":2147.475},{"sentences":[{"text":"Now the same the same thought process can be applied to a superannuation fund.","start":2147.375,"end":2154.73,"sentiment":"neutral","sentiment_score":0.098479209999953},{"text":"We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property.","start":2156.23,"end":2173.375,"sentiment":"neutral","sentiment_score":-0.04329236760794958},{"text":"You're","start":2173.675,"end":2173.9949,"sentiment":"neutral","sentiment_score":0.0422641783952713}],"sentiment":"neutral","sentiment_score":-0.009899486438371241,"channel":0,"num_words":62,"start":2147.375,"end":2173.9949},{"sentences":[{"text":"Yeah.","start":2173.875,"end":2174.375,"sentiment":"neutral","sentiment_score":0.0513487309217453}],"sentiment":"neutral","sentiment_score":0.0513487309217453,"channel":1,"num_words":1,"start":2173.875,"end":2174.375},{"sentences":[{"text":"investing for long term growth.","start":2173.9949,"end":2175.935,"sentiment":"neutral","sentiment_score":0.13030312731862068},{"text":"So if you think of your superannuation in a similar way to your investment property, me person...","start":2176.4749,"end":2186.82,"sentiment":"neutral","sentiment_score":0.08112139227416586},{"text":"Not me personally.","start":2188.32,"end":2189.3,"sentiment":"neutral","sentiment_score":-0.11956628163655598},{"text":"My job as an adviser is to make sure that you're invested in a risk that is appropriate for you, being your tolerance to risk and your comfort.","start":2189.84,"end":2202.615,"sentiment":"neutral","sentiment_score":-0.047396225056477954},{"text":"So one of the things I like to call it is the sleep at night test.","start":2202.675,"end":2205.9749,"sentiment":"neutral","sentiment_score":0.13818778796121478}],"sentiment":"neutral","sentiment_score":0.03704044588612042,"channel":0,"num_words":69,"start":2173.9949,"end":2205.9749},{"sentences":[{"text":"Is your","start":2206.26,"end":2206.66,"sentiment":"neutral","sentiment_score":0.0811394676566124}],"sentiment":"neutral","sentiment_score":0.0811394676566124,"channel":0,"num_words":2,"start":2206.26,"end":2206.66},{"sentences":[{"text":"Yes.","start":2206.445,"end":2206.945,"sentiment":"neutral","sentiment_score":0.12040197849273682}],"sentiment":"neutral","sentiment_score":0.12040197849273682,"channel":1,"num_words":1,"start":2206.445,"end":2206.945},{"sentences":[{"text":"superannuation keeping you up at night?","start":2206.66,"end":2208.74,"sentiment":"neutral","sentiment_score":0.11601187412937482},{"text":"Are you worried about the performance of it?","start":2208.74,"end":2212.82,"sentiment":"neutral","sentiment_score":-0.08199539314955473},{"text":"When the market drops, do you immediately worry about your superannuation?","start":2212.82,"end":2217.0,"sentiment":"neutral","sentiment_score":-0.21679779074408792},{"text":"Or is it more that you're not sure how the market behaves and you're unsure about the level of risk to take for that?","start":2218.26,"end":2230.065,"sentiment":"neutral","sentiment_score":-0.1979335037370523}],"sentiment":"neutral","sentiment_score":-0.1447973813937635,"channel":0,"num_words":49,"start":2206.66,"end":2230.065},{"sentences":[{"text":"Yep.","start":2232.4849,"end":2232.885,"sentiment":"neutral","sentiment_score":-0.002833401318639517},{"text":"Okay.","start":2232.885,"end":2233.385,"sentiment":"neutral","sentiment_score":0.02450057491660118}],"sentiment":"neutral","sentiment_score":0.010833586798980832,"channel":1,"num_words":2,"start":2232.4849,"end":2233.385},{"sentences":[{"text":"So we can definitely drop it down to a balanced growth.","start":2235.98,"end":2238.86,"sentiment":"neutral","sentiment_score":0.14608521353114734},{"text":"And like you said, I do this day in and day out.","start":2238.86,"end":2241.5,"sentiment":"neutral","sentiment_score":0.0855822426577409},{"text":"So for me, I understand it, but...","start":2241.5,"end":2245.775,"sentiment":"neutral","sentiment_score":-0.007932879030704498},{"text":"Not understand it, but I can I can explain it and, you know, make it make sense in my head?","start":2246.9548,"end":2253.375,"sentiment":"neutral","sentiment_score":-0.0984644515439868}],"sentiment":"neutral","sentiment_score":0.012182101532816887,"channel":0,"num_words":50,"start":2235.98,"end":2253.375},{"sentences":[{"text":"Yes.","start":2253.9302,"end":2254.4302,"sentiment":"neutral","sentiment_score":-0.12639597058296204}],"sentiment":"neutral","sentiment_score":-0.12639597058296204,"channel":1,"num_words":1,"start":2253.9302,"end":2254.4302},{"sentences":[{"text":"But for but for other people that don't do it day in and day out, it can be scary to consider 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all.","start":2286.315,"end":2286.87,"sentiment":"neutral","sentiment_score":0.0007844064384698868}],"sentiment":"neutral","sentiment_score":0.0007844064384698868,"channel":0,"num_words":2,"start":2286.315,"end":2286.87},{"sentences":[{"text":"revert","start":2287.205,"end":2287.525,"sentiment":"neutral","sentiment_score":0.00005287677049636841}],"sentiment":"neutral","sentiment_score":0.00005287677049636841,"channel":1,"num_words":1,"start":2287.205,"end":2287.525},{"sentences":[{"text":"Yep.","start":2287.4302,"end":2287.9302,"sentiment":"neutral","sentiment_score":0.022865040227770805}],"sentiment":"neutral","sentiment_score":0.022865040227770805,"channel":0,"num_words":1,"start":2287.4302,"end":2287.9302},{"sentences":[{"text":"it back or or, yeah, see what's happening around the world then.","start":2287.525,"end":2292.345,"sentiment":"neutral","sentiment_score":0.024962247892593343}],"sentiment":"neutral","sentiment_score":0.024962247892593343,"channel":1,"num_words":12,"start":2287.525,"end":2292.345},{"sentences":[{"text":"Absolutely.","start":2293.35,"end":2293.85,"sentiment":"positive","sentiment_score":0.4455232322216034},{"text":"I can definitely arrange that.","start":2294.1501,"end":2296.01,"sentiment":"positive","sentiment_score":0.43614131212234497},{"text":"The next two documents are your certificates of currency.","start":2297.35,"end":2300.87,"sentiment":"neutral","sentiment_score":0.01565783584697379},{"text":"So what they are is certificates stating that your insurances are in place with AIA.","start":2300.87,"end":2306.7952,"sentiment":"neutral","sentiment_score":0.022092319031556448},{"text":"So they're the levels of cover we talked about on the first page.","start":2306.855,"end":2310.155,"sentiment":"neutral","sentiment_score":0.03359601474725283}],"sentiment":"neutral","sentiment_score":0.08221589052659828,"channel":0,"num_words":43,"start":2293.35,"end":2310.155},{"sentences":[{"text":"So they're just for your information to confirm that they are in place.","start":2310.855,"end":2314.955,"sentiment":"neutral","sentiment_score":0.04554391824282133}],"sentiment":"neutral","sentiment_score":0.04554391824282133,"channel":0,"num_words":13,"start":2310.855,"end":2314.955},{"sentences":[{"text":"Okay.","start":2315.7349,"end":2316.2148,"sentiment":"neutral","sentiment_score":0.04479561746120453},{"text":"Yeah.","start":2316.2148,"end":2316.7148,"sentiment":"neutral","sentiment_score":0.0479586198925972}],"sentiment":"neutral","sentiment_score":0.046377118676900864,"channel":1,"num_words":2,"start":2315.7349,"end":2316.7148},{"sentences":[{"text":"The following document is our financial services 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superannuation fund, which I estimate to be $278.36 per month.","start":2364.895,"end":2381.57,"sentiment":"neutral","sentiment_score":0.15480022592579618},{"text":"What that fee covers is your reviews that we're doing now.","start":2382.27,"end":2386.2651,"sentiment":"neutral","sentiment_score":0.09210006621750919},{"text":"The work that I'm gonna do post this to review those insurance...","start":2386.2651,"end":2391.0852,"sentiment":"neutral","sentiment_score":0.057566038177659117}],"sentiment":"neutral","sentiment_score":0.1716580237705438,"channel":0,"num_words":84,"start":2353.6501,"end":2391.0852},{"sentences":[{"text":"Sorry, insurance investment options and also look at a portfolio to take you down to a balanced growth.","start":2391.7852,"end":2397.5652,"sentiment":"neutral","sentiment_score":0.05301788283718957},{"text":"But you're also not limited in the amount you contact 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around to it.","start":2599.385,"end":2600.445,"sentiment":"neutral","sentiment_score":0.06891705747693777}],"sentiment":"neutral","sentiment_score":0.06891705747693777,"channel":1,"num_words":4,"start":2599.385,"end":2600.445},{"sentences":[{"text":"Absolutely.","start":2600.9,"end":2601.4,"sentiment":"neutral","sentiment_score":0.09387542307376862},{"text":"So they will also...","start":2602.02,"end":2603.94,"sentiment":"neutral","sentiment_score":0.021510820370167494},{"text":"If you do wish to proceed with them, they can do it via phone and all that with you as well.","start":2603.94,"end":2609.5952,"sentiment":"neutral","sentiment_score":0.09837397152469271}],"sentiment":"neutral","sentiment_score":0.08637585025280714,"channel":0,"num_words":26,"start":2600.9,"end":2609.5952},{"sentences":[{"text":"Oh, brilliant.","start":2609.865,"end":2610.5251,"sentiment":"positive","sentiment_score":0.44897983968257904}],"sentiment":"positive","sentiment_score":0.44897983968257904,"channel":1,"num_words":2,"start":2609.865,"end":2610.5251},{"sentences":[{"text":"So they're based here in Queensland, and the brochure does say Queensland, but it's Australia wide.","start":2610.2952,"end":2615.735,"sentiment":"neutral","sentiment_score":0.09729949734173715},{"text":"So just disregard that.","start":2615.735,"end":2617.195,"sentiment":"neutral","sentiment_score":0.05792034696787596},{"text":"And, yeah, they can work with you to do that.","start":2618.455,"end":2620.92,"sentiment":"neutral","sentiment_score":0.2114102363586426}],"sentiment":"neutral","sentiment_score":0.1300858569641908,"channel":0,"num_words":30,"start":2610.2952,"end":2620.92},{"sentences":[{"text":"Yep.","start":2621.05,"end":2621.29,"sentiment":"neutral","sentiment_score":0.23912428319454193},{"text":"Excellent.","start":2621.29,"end":2621.79,"sentiment":"positive","sentiment_score":0.7223353981971741},{"text":"Sounds good.","start":2622.25,"end":2622.81,"sentiment":"positive","sentiment_score":0.7650415897369385},{"text":"Thanks, Jenna.","start":2622.81,"end":2623.6301,"sentiment":"positive","sentiment_score":0.7420025765895844}],"sentiment":"positive","sentiment_score":0.662591335674127,"channel":1,"num_words":6,"start":2621.05,"end":2623.6301},{"sentences":[{"text":"Wonderful.","start":2624.28,"end":2624.78,"sentiment":"positive","sentiment_score":0.7580232620239258},{"text":"Well, thank you so much for your time.","start":2624.92,"end":2626.52,"sentiment":"positive","sentiment_score":0.7732984200119972},{"text":"I appreciate it, and I will be speaking with you again on the twenty second.","start":2626.52,"end":2630.2998,"sentiment":"positive","sentiment_score":0.6691883603731791}],"sentiment":"positive","sentiment_score":0.7075931678215662,"channel":0,"num_words":24,"start":2624.28,"end":2630.2998},{"sentences":[{"text":"Excellent.","start":2630.5852,"end":2631.0852,"sentiment":"positive","sentiment_score":0.7648407220840454},{"text":"Have a great afternoon.","start":2631.145,"end":2632.105,"sentiment":"positive","sentiment_score":0.7682405412197113},{"text":"Thanks, mate.","start":2632.105,"end":2632.985,"sentiment":"positive","sentiment_score":0.759954035282135}],"sentiment":"positive","sentiment_score":0.7653872796467373,"channel":1,"num_words":7,"start":2630.5852,"end":2632.985},{"sentences":[{"text":"You too.","start":2632.825,"end":2633.065,"sentiment":"positive","sentiment_score":0.5586802065372467}],"sentiment":"positive","sentiment_score":0.5586802065372467,"channel":0,"num_words":2,"start":2632.825,"end":2633.065},{"sentences":[{"text":"Appreciate","start":2632.985,"end":2633.3052,"sentiment":"positive","sentiment_score":0.6259845495223999}],"sentiment":"positive","sentiment_score":0.6259845495223999,"channel":1,"num_words":1,"start":2632.985,"end":2633.3052},{"sentences":[{"text":"You","start":2633.065,"end":2633.565,"sentiment":"positive","sentiment_score":0.559879720211029}],"sentiment":"positive","sentiment_score":0.559879720211029,"channel":0,"num_words":1,"start":2633.065,"end":2633.565},{"sentences":[{"text":"it.","start":2633.3052,"end":2633.8052,"sentiment":"positive","sentiment_score":0.5239998698234558}],"sentiment":"positive","sentiment_score":0.5239998698234558,"channel":1,"num_words":1,"start":2633.3052,"end":2633.8052},{"sentences":[{"text":"too.","start":2633.865,"end":2634.365,"sentiment":"positive","sentiment_score":0.3470957279205322},{"text":"Bye.","start":2634.425,"end":2634.925,"sentiment":"neutral","sentiment_score":0.26210981607437134}],"sentiment":"neutral","sentiment_score":0.3046027719974518,"channel":0,"num_words":2,"start":2633.865,"end":2634.925},{"sentences":[{"text":"See you.","start":2635.3052,"end":2635.625,"sentiment":"neutral","sentiment_score":0.3133081942796707},{"text":"Bye bye.","start":2635.625,"end":2636.105,"sentiment":"neutral","sentiment_score":0.1736711859703064},{"text":"Bye.","start":2636.105,"end":2636.605,"sentiment":"neutral","sentiment_score":0.1393422931432724}],"sentiment":"neutral","sentiment_score":0.22266021072864534,"channel":1,"num_words":5,"start":2635.3052,"end":2636.605},{"sentences":[{"text":"Bye.","start":2636.585,"end":2637.085,"sentiment":"neutral","sentiment_score":-0.08853545039892197}],"sentiment":"neutral","sentiment_score":-0.08853545039892197,"channel":0,"num_words":1,"start":2636.585,"end":2637.085}]},"summary":{"result":"success","short":"John from Oakview Financial schedules an annual review with Giovanni and discusses his personal and financial information. He updates his family details, including his beneficiaries and expenses. The conversation also covers his rental property, rental expenses, health and lifestyle insurance, and retirement plans. The speaker emphasizes reducing risk and increasing growth in his portfolio while maintaining a balanced risk profile. They provide information on the necessary documents for the review process, including a financial services guide and ongoing service agreement. The annual fee for the review is $3,340."},"intents":{"segments":[{"text":"So what I will just flag quickly is that when I was having a look at your superannuation fund, your beneficiary nominations are to your partner, Malene, Melania. at 50 Yeah. percent.","start_word":480,"end_word":511,"intents":[{"intent":"Update and change beneficiary nominations","confidence_score":0.020089306}]},{"text":"It is tax free to your partner and your daughter due to superannuation tax dependency rules.","start_word":623,"end_word":638,"intents":[{"intent":"Inform of tax benefits","confidence_score":0.0001955277}]},{"text":"So based on that, I know that you're looking for a new rental, but your rental itself, how much rent are you getting from that per week? So the one up in Butler, it's currently sitting at 600, but I've Yeah. I've requested to increase that to $6.50.","start_word":1275,"end_word":1322,"intents":[{"intent":"Increase rent","confidence_score":0.027663464}]},{"text":"I have a 2,009 RAV four car here at about 9,000. Yes.","start_word":1602,"end_word":1613,"intents":[{"intent":"Check car value","confidence_score":0.034767937}]},{"text":"But there is another credit card I'd like to add. Okay. Yeah.","start_word":1902,"end_word":1913,"intents":[{"intent":"Add credit card","confidence_score":0.7608594},{"intent":"Add card to card","confidence_score":0.0013327367}]},{"text":"So moving on to health and lifestyle just to make sure everything's up to date. Are you Yep.","start_word":1967,"end_word":1984,"intents":[{"intent":"Update health and lifestyle information","confidence_score":0.044550188}]},{"text":"I've also changed my private health if that's gonna be a question. Yeah.","start_word":2068,"end_word":2080,"intents":[{"intent":"Change personal health","confidence_score":0.32413706}]},{"text":"Do you do you want me to send you through a brochure for someone that we work with?","start_word":2139,"end_word":2156,"intents":[{"intent":"Send brochure for sales representative","confidence_score":0.000096912954}]},{"text":"So it's either Brazil or England. She'll she'll Yep. go to Brazil every year, and I'll either go to Brazil or England every year.","start_word":2501,"end_word":2524,"intents":[{"intent":"Confirm destination","confidence_score":0.00061079155}]},{"text":"I can't refinance I can't refinance the house every year just so we can have a holiday. That's ridiculous.","start_word":2576,"end_word":2594,"intents":[{"intent":"Refinance house","confidence_score":0.07741588}]},{"text":"And then looking at retirement, you've said that you would like to be able to travel to Brazil each year. I'm assuming we chuck England in there as well. Sorry.","start_word":2637,"end_word":2666,"intents":[{"intent":"Travel to brazil","confidence_score":0.8633365}]},{"text":"A couple of times a year and draw an income of $1,500 per week at the age of 60. Is that still what you're targeting? Yeah. Yeah.","start_word":2667,"end_word":2693,"intents":[{"intent":"Adjust income","confidence_score":0.1352106}]},{"text":"I'm gonna send you through an email. It's gonna have the review package or the review pack, we'll call it, attached, and it will come through from OdooSign and myself.","start_word":2830,"end_word":2859,"intents":[{"intent":"Send email","confidence_score":0.09088063}]},{"text":"Overall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months. The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund. The the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months.","start_word":3457,"end_word":3520,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.12550752}]},{"text":"However, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option.","start_word":3579,"end_word":3616,"intents":[{"intent":"Review portfolios","confidence_score":0.51811945}]},{"text":"It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well. Excellent.","start_word":3914,"end_word":3952,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.008003074}]},{"text":"What is your thought process for that?","start_word":4366,"end_word":4372,"intents":[{"intent":"Obtain feedback on the thought process","confidence_score":4.3054214e-7}]},{"text":"the market was if the market was to completely crash tomorrow, what would happen Mhmm.","start_word":4633,"end_word":4647,"intents":[{"intent":"Evaluate market scenarios","confidence_score":0.0009670385}]},{"text":"Now the same the same thought process can be applied to a superannuation fund. We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property. You're Yeah.","start_word":4973,"end_word":5035,"intents":[{"intent":"Evaluate superannuation investment","confidence_score":0.084589235}]},{"text":"So it will tell you who we are, who we're licensed through, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, an overview of our fees, and also the complaints process should you need to do that. Perfect.","start_word":5417,"end_word":5463,"intents":[{"intent":"Inform about licensing and fees","confidence_score":0.000002573639}]},{"text":"So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us.","start_word":5627,"end_word":5651,"intents":[{"intent":"Discuss future clients as clients","confidence_score":0.00021731056}]},{"text":"So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us. And, basically, the next steps that I'm gonna do from here is I'm going to go away, do that research on that replacement fund funds, but I'm also gonna look at a different portfolio from... For you.","start_word":5627,"end_word":5688,"intents":[{"intent":"Offer guidance on future appointments","confidence_score":0.00001713165}]},{"text":"So I probably make a recommendation to change all of... Most of the investments within your fund, and it might not be changing them as a whole. It might be just reducing exposure to some of them, so reducing the amount that we have invested with them to Yeah.","start_word":5690,"end_word":5738,"intents":[{"intent":"Recommend change","confidence_score":0.050011136}]},{"text":"So that takes about two weeks to do because then we're... We've gotta do an advice document and then present that to you.","start_word":5751,"end_word":5773,"intents":[{"intent":"Request advice document","confidence_score":0.12253963}]},{"text":"So I am wondering, the week beginning the October 19, what availability do you have?","start_word":5774,"end_word":5788,"intents":[{"intent":"Confirm availability","confidence_score":0.5204452},{"intent":"Confirm availability","confidence_score":0.09814371}]},{"text":"Did you want me to send you a calendar invite and a text message the day of or the day before? Yeah.","start_word":5909,"end_word":5930,"intents":[{"intent":"Request text message","confidence_score":0.10257973}]},{"text":"do you wanna do a different do you wanna do a different day? No. No.","start_word":5952,"end_word":5966,"intents":[{"intent":"Request different day","confidence_score":0.047305062}]},{"text":"Thank you for that, Jonathan. And in the meantime, any other questions that you have for me?","start_word":6020,"end_word":6036,"intents":[{"intent":"Ask questions","confidence_score":0.0740534}]}]},"sentiments":{"segments":[{"text":"Hello? You're speaking with John. Hi, John. Hi, This John. is Jenna My Fanning son... from Oakview Financial. How are you today?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.09926524013280869},{"text":"I'm very well. Thank you.","start_word":22,"end_word":26,"sentiment":"positive","sentiment_score":0.5385904312133789},{"text":"How are you? Did you did you say Jennifer? Jenna. Jenna. Jenna. How are Yeah. you going? I'm well.","start_word":27,"end_word":45,"sentiment":"neutral","sentiment_score":0.13172093033790588},{"text":"Thanks.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.417826771736145},{"text":"How are you? Yeah. Not too bad.","start_word":47,"end_word":53,"sentiment":"neutral","sentiment_score":0.21806076169013977},{"text":"Thank you.","start_word":54,"end_word":55,"sentiment":"positive","sentiment_score":0.4857845008373261},{"text":"I was expecting your call.","start_word":56,"end_word":60,"sentiment":"neutral","sentiment_score":0.26564761996269226},{"text":"Lovely.","start_word":61,"end_word":61,"sentiment":"positive","sentiment_score":0.432734876871109},{"text":"Well, just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. That's fine. No worries. And I will also ask you to please confirm your full name, date of birth, and address, please. Yep. So it's mister Jonathan David Slates. It's the 10/08/1983, and my address is 25 Munford Street, North Beach 6020.","start_word":62,"end_word":131,"sentiment":"neutral","sentiment_score":0.04392038658261299},{"text":"Thanks for that, John. I appreciate it.","start_word":132,"end_word":138,"sentiment":"positive","sentiment_score":0.6152147650718689},{"text":"No problem. So you've been expecting my call, so you know we're scheduled to do your annual review, which is Yes.","start_word":139,"end_word":159,"sentiment":"neutral","sentiment_score":0.11614198237657548},{"text":"great.","start_word":160,"end_word":160,"sentiment":"positive","sentiment_score":0.37081679701805115},{"text":"Yep. Before we dive into it, probably just check-in with you and see how things are going. Has any significant changes personally or financially occurred for you in the last twelve months? There's only one thing. So the family Yes. is still the same. Daughter's a little older. Yep. So at... I'm still with Chandler McCloud. I was I was an acting team leader. So it's like I was on a secondment for twelve months, eighteen months. Yes. Yep. That's... We've had a big reshuffle, and I'm no longer acting team leader. So I'm I've stepped back down to just a recruitment consultant. So my actual salary's dropped back down, if that's something you need Okay. Yeah. So need what's to... that dropped back down to? So including super, it's a 100. So it's 80 One... 8 not including super. Okay. Well, before, I think I was on a 100, and then super r had a team leader allowance. Yeah. I think I was on, like, a 115 before including super. Yeah. I think Okay. something like that. Yeah. 88 or a 100 including.","start_word":161,"end_word":344,"sentiment":"neutral","sentiment_score":-0.08534333932924631},{"text":"Lovely. Fantastic.","start_word":345,"end_word":346,"sentiment":"positive","sentiment_score":0.7331290245056152},{"text":"Okay. So you've mentioned that your family details all remain the same. I just don't have your daughter's name. What's her name? Yep. Oh, her name's Giovanna. So g I o v a n n a, Giovanna. And Yeah. then double barreled surname. So her mother's mother's surname is Nagamine. So n Yeah. a g Yep. M a n I n e. It's r. n a g n a g a m I n e. It's like a Japanese Brazilian name. Nagamine. And then and then Slaight. Havoc. So so Giovanna Nagamine Slaight. That's her full Lovely. name. No middle And how name. how old is she? She's three. Oh, such a nice age. Yeah. Yeah. Running circles around us. Yep. Yep. They will do that. So I'll just update that.","start_word":347,"end_word":477,"sentiment":"neutral","sentiment_score":0.03869887813925743},{"text":"That's great.","start_word":478,"end_word":479,"sentiment":"positive","sentiment_score":0.6498666405677795},{"text":"So what I will just flag quickly is that when I was having a look at your superannuation fund, your beneficiary nominations are to your partner, Malene, Melania. at 50 Yeah. percent. Malene. Yep. Sorry. My apologies. That's And fine. Richard, 50%. Did you Yeah. want to update or change? Yeah. Mhmm. You can probably... So my brother's in The UK, Richard. How does it work with putting kids on there? Can you do that? Or how does it You... Yeah. So you can definitely do that. So with minors, if they're under 18 years of age, which Giovanni is, that is absolutely fine. There are a number of things that can... Like, a number of ways it can be paid to a child by way of a regular income or a lump sum. It's typically not a lump sum when they're minors. It is tax free to your partner and your daughter due to superannuation tax dependency rules. So you can most certainly nominate your daughter and your partner. Or, alternatively, if you have a will set up, we can direct it to your will, which your will then will distribute it as per your estate planning. Yeah. Yeah. I haven't done the wheel yet. It has been on the cards for a few years. You probably know how it is talking to so many people Yes. who never get Yep. around to doing it. Yeah. Just just just put fifty fifty then. Melanie and Giovanna. If... Yeah. Okay. So there's two different types of beneficiary nominations. At the moment, you've got the non lapsing binding, which is perfect. So what that means is it doesn't lapse. It's binding on the trustees, so the trustees cannot make a decision to distribute otherwise. And then there's a binding one, which is the same thing. The trustees cannot make a decision to distribute otherwise. However, you need to renew it every three years. So the difference... They're they're the main differences. So with the non lapsing, you would just change it when you submit a new form. So similar to the way you're doing it now, if you you were you were... If... So we're gonna replace Richard with your daughter. That will then update it. Yep. Let's So just are stick you with happy? that. Yeah. Yes. Stick with that? Yeah.","start_word":480,"end_word":870,"sentiment":"neutral","sentiment_score":0.05770945347026181},{"text":"Lovely.","start_word":871,"end_word":871,"sentiment":"positive","sentiment_score":0.4232114553451538},{"text":"And then if if we need to change it in twelve months, we do that then. That's Exactly fine. right. Yeah. Cool. Okay. So how long have you been with Chandler McCloud for? It's the 06/04/2024. So two bit years? Yep. Okay. Just over And two years? still full still full time? Yeah. Still full time. Yeah. Yeah. Okay. And are you making any additional contributions to Super at all? Alright. No. No. Do you have any idea what your expenditure is per week or what your savings is per week? At the moment, nothing. Yep. We're kind of... Well, what I've been doing is when I get paid, I pay my mortgage and my rent straight into my offset account or my redraw account with my mortgage provider. And Yep. then then I pay my rent out of that when it's due. And then Yes. if there's, you know, if there's bits and pieces left. But at the moment, we're... We've been asked to vacate our rental in November, so we're looking for somewhere I need to live and with the pay decrease. Yeah. It's the... I'm still adjusting to that discrepancy. That's the right word. Yep. So, yeah, I'm not saving any money at the moment, really. If anything, it's, you know, it's a couple of $100 here and there that I don't even really look at once the mortgage is paid and the rents come out. Mhmm. Like, I think there's $9 sitting in that redraw account, but then I know the mortgage will come out of that on the October 5, and there's Yeah. two more... Two or three more rents to come out of it. Okay. You know? And then with the move and the... Having to put a new bond down and two weeks rent upfront, that's gonna swallow most of that up until I get the bond back on the current rental. Yeah. So, yeah, that... Like, the whole save is all up in the air, and it's gonna go up and down in the next, you know, couple of Yep. months. But I'm just, yeah, I'm just grateful that there is some money in there because when I did the, what's it called, refinancing last year, it gave me a bit of a bit of a buffer. Yeah. Okay.","start_word":872,"end_word":1258,"sentiment":"neutral","sentiment_score":-0.03383077190134876},{"text":"That's good.","start_word":1259,"end_word":1260,"sentiment":"positive","sentiment_score":0.5317558646202087},{"text":"So this... Have a few few pennies in the bank, you know?","start_word":1261,"end_word":1272,"sentiment":"neutral","sentiment_score":0.04265138879418373},{"text":"Absolutely.","start_word":1273,"end_word":1273,"sentiment":"positive","sentiment_score":0.3566373586654663},{"text":"Okay. So based on that, I know that you're looking for a new rental, but your rental itself, how much rent are you getting from that per week? So the one up in Butler, it's currently sitting at 600, but I've Yeah. I've requested to increase that to $6.50. Mhmm. And that would take effect around the same sort of time as as my lease is up, which is early November, I believe. So that will increase to $6.50 in in the next, well, next month, I'd say. Okay.","start_word":1274,"end_word":1362,"sentiment":"neutral","sentiment_score":0.07475856691598892},{"text":"Lovely. I'll just make a note of that for you.","start_word":1363,"end_word":1372,"sentiment":"positive","sentiment_score":0.46488815546035767},{"text":"Does that pretty much pay the mortgage, or Well, are it's breaking even with you... the real Breaking? estate... Yep. With with the real estate fees, and then we've just had another increase hike. So I don't know what's... Yeah. Yeah.","start_word":1373,"end_word":1413,"sentiment":"neutral","sentiment_score":-0.05656847730278969},{"text":"I'm I'm I'm certainly not making any money. Like, I I know I've been negative gearing for years and years.","start_word":1414,"end_word":1433,"sentiment":"negative","sentiment_score":-0.4447253942489624},{"text":"Mhmm. Not out of choice, but just because, Yep. you know, I can't really charge that much more up up there, up north, up in Butler. If it was in Yeah. the city or somewhere else, I probably could. Because because Melanie, she's charging 700 for hers, and hers Mhmm. is half the size, but it's... But she's... Hers is in Scarborough, you know, and it's a prime location for tourists and backpackers and, you know, you name Yeah. it. Yeah. Understand. Say that. I'd I'd say I'm breaking I'm I'm breaking even. If not, I'm having CX in the fund out of my own pocket a little bit. Okay. So Sorry. we I don't have... have the numbers in front of me. No. That's absolutely fine. You don't need to apologize for that.","start_word":1434,"end_word":1567,"sentiment":"neutral","sentiment_score":-0.04516800120472908},{"text":"I just... It's just a good idea to get a gauge of where everything's at, make sure that everything that we recommend and have on file Yep.","start_word":1568,"end_word":1594,"sentiment":"positive","sentiment_score":0.4411486685276031},{"text":"is actually Yep.","start_word":1595,"end_word":1597,"sentiment":"neutral","sentiment_score":0.30353808403015137},{"text":"accurate so it helps.","start_word":1598,"end_word":1601,"sentiment":"positive","sentiment_score":0.3591115176677704},{"text":"I have a 2,009 RAV four car here at about 9,000. Yes. So we still Yes. have that car, Yes. but I wouldn't say the value is at 9,000 now. I'd say it's around 6. It's Okay. funny because we we actually just... The missus had a had a crash couple of months... About a month or so ago, and RAC valued it at... I think it was just under 6,000. Okay. So... Yeah. It's... It was 9 when we bought it about four years ago, but just to, yeah, devaluate it over Yes. time. Okay. Is your partner okay? Yeah. Yeah. It was it was only minor. They they Oh, they good. Yep. They gave us the option. Do you want us to pay you out or do you wanna fix it? Because there's such low kilometers on it because, you know, Yeah. we... She drives and it's only five minutes a day because her work and childcare is so close and I think It's loads... Okay, and we just spent $3 on our service and knew this and knew that. So we wanted to keep it. You know? So we Yeah. got it fixed. That's that's understandable. Yeah. Okay. And I have two credit cards here. One with Great Southern Bank and one with Westpac. Are they still current? Yeah. So I'll tell you to go over that. Let's bring it up. So Great Southern Bank is still active. Yes. There's there's no... It's only 5,000 and there's no money owed on that at all. So it's a 5,000 At least... limit? Yeah. 5,000 limit and the balance is zero. Okay. The Westpac, it is... I think it's 7,000 limit. $6.07. Yeah. It's around the 7,000 limit. And, yeah, I still owe about 5 on that. Okay. But there is another credit card I'd like to add. Okay. Yeah. Of course. American Express, Yeah. we we got this card because we used it to go to Brazil early one in the year, and then we paid it off straight away. Yep. So that's it's... That's $10,000 limit, Yes. and the balance on that is 3,000 at the moment. Yep.","start_word":1602,"end_word":1962,"sentiment":"neutral","sentiment_score":-0.00405481977806197},{"text":"Okay. Lovely. Alright.","start_word":1963,"end_word":1965,"sentiment":"positive","sentiment_score":0.462054967880249},{"text":"Okay. So moving on to health and lifestyle just to make sure everything's up to date. Are you Yep. still No. a Well, yes. Technically, smoker? yes. Yep. I'm I'm I'm I'm not smoking. I'm on the vape now. I'm Yep. not sure if Yep. that... If it's the same thing. It's it's no tar, no smoke. So I have been for six months plus, Yep. mainly Okay. mainly for financial reasons. Yep. I understand And that. and, yeah, health reasons. I'm in the gym now, and I'm running and stuff, and I feel a lot healthier.","start_word":1966,"end_word":2062,"sentiment":"neutral","sentiment_score":0.0668228268623352},{"text":"So... That's great news.","start_word":2063,"end_word":2066,"sentiment":"positive","sentiment_score":0.47245490550994873},{"text":"Yeah. I've also changed my private health if that's gonna be a question. Yeah. It is one of the questions. So, yeah, who would you... Who are you with? So I'm now with HBS, I believe. HBS. Yep. Yep. And Giovanna is actually on that policy as well. Just the two of us. Okay. Yep. Okay. And I know you don't have a will on power of attorney that we've talked about. Do you do you want me to send you through a brochure for someone that we work with? The prices are very, very competitive for you and Giovanna... Not Giovanna. Sorry. Malaney to have a look at? Yes, please. Yeah. Definitely. Yeah? Okay.","start_word":2067,"end_word":2181,"sentiment":"neutral","sentiment_score":0.03849710151553154},{"text":"Fantastic. I'll make sure I get that sent through to you post the meeting. I just wanna double check with you the goals and objectives that you had from your last review just to see if you, are at this still current and if you've achieved them.","start_word":2182,"end_word":2228,"sentiment":"positive","sentiment_score":0.4096147944318487},{"text":"So I think the first one you have, you wanted to go to Brazil... Oh, no. Sorry. You want to go to Brazil each year to see your partner's family, and you are hoping to buy another investment property if you get a pay rise. Is the investment property still on the card? Yeah. That's that's on the back burner for now, I'd Yeah? say. Yeah. With the rates and... I think, like, I did inquire. I've got a pretty good broker, but the borrow... My borrowing power wasn't the best. I think it's the way Yes. that everything's structured and, you know, how, you know, a lot of people are using their super. It... I could only borrow maybe up to 500 or 600,000, and it would mean having to get a small apartment and lease that in the city or something. And then... Yeah.","start_word":2229,"end_word":2374,"sentiment":"neutral","sentiment_score":-0.08095069229602814},{"text":"And then, yeah, life gets in the way, and it goes on the back burner for a few months.","start_word":2375,"end_word":2393,"sentiment":"negative","sentiment_score":-0.36974161863327026},{"text":"And and then and then I took the pay cut.","start_word":2394,"end_word":2403,"sentiment":"neutral","sentiment_score":-0.2777538001537323},{"text":"So I haven't achieved that.","start_word":2404,"end_word":2408,"sentiment":"negative","sentiment_score":-0.36108845472335815},{"text":"No? To go No. get in the That's houses. okay. Telling you my That's... life Yes. story. Yeah. Yeah. We dig deep. Yeah. But, Okay. no, that's definitely on the list of something I want to achieve once Yes. we've moved into a new rental and life settled down a little bit for sure. Okay. Alright. If ever so then. Yeah. That's right, isn't it? Especially with the little ones. Still wanting to travel every year to Brazil?","start_word":2409,"end_word":2486,"sentiment":"neutral","sentiment_score":0.04023256152868271},{"text":"The missus definitely wants to travel every year.","start_word":2487,"end_word":2494,"sentiment":"positive","sentiment_score":0.38842615485191345},{"text":"Yep. Next year, I I... Yeah. So it's either Brazil or England. She'll she'll Yep. go to Brazil every year, and I'll either go to Brazil or England every year. That's... Yep. That is a is a plan, but I know financially, I may... Every second year, I may just need to stay home and let them let them head off and see her family.","start_word":2495,"end_word":2559,"sentiment":"neutral","sentiment_score":-0.037296462059021},{"text":"And It's just not financially feasible at the moment to go Yeah.","start_word":2560,"end_word":2571,"sentiment":"negative","sentiment_score":-0.3997133374214173},{"text":"every year. I understand.","start_word":2572,"end_word":2575,"sentiment":"neutral","sentiment_score":-0.1915498971939087},{"text":"I can't refinance I can't refinance the house every year just so we can have a holiday. That's ridiculous. You know?","start_word":2576,"end_word":2596,"sentiment":"negative","sentiment_score":-0.3974083662033081},{"text":"Yeah. I understand. So, I yeah, understand just that. using savings and putting a few quid away and and trying to get to, you know, get those flights covered by other means. Okay. Yep. Alright.","start_word":2597,"end_word":2631,"sentiment":"neutral","sentiment_score":-0.04728930816054344},{"text":"Makes sense. Absolutely makes sense.","start_word":2632,"end_word":2636,"sentiment":"positive","sentiment_score":0.4472283720970154},{"text":"And then looking at retirement, you've said that you would like to be able to travel to Brazil each year. I'm assuming we chuck England in there as well. Sorry. A couple of times a year and draw an income of $1,500 per week at the age of 60. Is that still what you're targeting? Yeah. Yeah. I suppose so. Yeah. Yeah. Okay. Yeah. Okay. And with your insurance cover, you have previously said that you're happy with the levels of cover that you have as it suits your needs and provides for your family to clear debt and additional living expenses. Your level of income protection is suited based on your income, and your partner also works in the event that you're unable to. Do you think that still applies? Yep. Yep.","start_word":2637,"end_word":2769,"sentiment":"neutral","sentiment_score":0.07550203800201416},{"text":"Lovely.","start_word":2770,"end_word":2770,"sentiment":"positive","sentiment_score":0.411163330078125},{"text":"So you're putting in my new my new salary. Will that adjust those bits and pieces in the background, will it? Oh, it will. Or... Yeah. So as Yeah. we model things out, yeah, it will. Yeah. Alright. Cool. So I'm... Do you have access to your emails at the moment? I do. Yeah. On my phone. Yeah. Yeah. I'm gonna send you through an email. It's gonna have the review package or the review pack, we'll call it, attached, and it will come through from OdooSign and myself. And when you receive it, you'll need to open it up, and it will say sign here or click here to sign.","start_word":2771,"end_word":2881,"sentiment":"neutral","sentiment_score":0.08166982132631044},{"text":"You're not signing anything at the moment.","start_word":2882,"end_word":2888,"sentiment":"negative","sentiment_score":-0.3736588656902313},{"text":"We're simply just gonna talk through the review pack itself and the documents. Yep. Okay.","start_word":2889,"end_word":2903,"sentiment":"neutral","sentiment_score":-0.05072099715471268},{"text":"It's Lovely. come through.","start_word":2904,"end_word":2907,"sentiment":"positive","sentiment_score":0.6380004286766052},{"text":"Okay. What do you need me to do? If you can just click on it and let me know when the first document comes up, I'll just navigate through this review pack with you Okay. to make sure everything is exactly the way we want it and talk through any flags that I need to with you. Yeah. Okay. Okay. Far away. Lovely. So the first document should be a summary of your super insurance. So your super is still with hub twenty four, valued at approximately $192,806, and you have your life, TPD, and income protection through AIA, and those premiums are funded from your superannuation balance in hub twenty four. So looking at those levels of cover, you're still comfortable with what they are to meet you and your family's needs? 6,000 a month. Total benefit paid from super. 2,000 Oh, that's per annum. the premium. That's the premium. Yeah. Oh, that's the premium. Yeah. Okay. So income protection. So so either life or total or permanent disability, it's 6,300 a month that I'd receive or Melanie would receive. Yeah? Yeah. Okay. So the life insurance sum insured is 454,946 thousand. So I'll use yesterday as an example because we know that it didn't happen. If you passed away yesterday, Malaney and your daughter would receive that lump sum. Okay. Yep. Yep. If... Yep. For TPD insurance, if you were totally and permanently disabled, so, again, if yesterday you're in a horrific car accident and you were totally and permanently disabled to the point where you'd be unable to work in your occupation or anything reasonably trained to do, you would receive that lump sum payout of the same amount, 454. And Yeah. then what income protection covers is your up to 70% of your taxable income if you're unable to work due to injury or illness. Now this is kind of like a temporary unable to work instead of a total as mentioned above in total and permanent disablement. So Yep. it it might be that... Think of an example. You hurt your shoulder and you end up having to have a shoulder reconstruction and... Or a shoulder surgery and you're gonna be off work for for three months, Yep. Yep. I understand. the first thirty days, you won't be paid. And then the following thirty days and thirty days after that, you'll receive your benefit up to a period of five years depending on the severity of the injury or illness and how long you'll be off work for. Yep. Yep. Cool. I understand that. That's all Yep.","start_word":2908,"end_word":3339,"sentiment":"neutral","sentiment_score":-0.01439518698801597},{"text":"good. Lovely.","start_word":3340,"end_word":3341,"sentiment":"positive","sentiment_score":0.3856259882450104},{"text":"So you don't have trauma insurance. Not sure if that's been spoken to you about in the past. I just need to mention it. What was that code again, sir? Trauma insurance. Oklahoma. Yeah. So that that type that type of policy again is a lump sum payment when you are diagnosed with an insurable event. So they range from cancer, heart attack, stroke, neurological diseases, and that premium is paid through your personal cash flow. Excuse me. Is that something that you'd be interested in exploring? No. I don't think so. No. Not yet. No? No. Okay. The next document across is your performance with Hub. So now we're moving on to your superannuation. Overall, the portfolio returned net of fees, so after fees and expenses, 4.43 percent for the last twelve months. The underperformance of the entire portfolio is attributed to that first fund on the first page being the Benelon Australian Equities Fund.","start_word":3342,"end_word":3497,"sentiment":"neutral","sentiment_score":-0.060075707733631134},{"text":"The the reason that it has underperformed is not due to the Australian share market performing significantly badly in the last twelve months.","start_word":3498,"end_word":3520,"sentiment":"negative","sentiment_score":-0.5303663015365601},{"text":"It's the way different investment managers invest money, and Bennelong's investment philosophy is that they investigate underperforming... Oh, sorry, undervalued companies in the Australian share market for areas of potential growth. Now the last twelve months, it was the financials and resources that performed. Bennelong is turning around now in relation to performance, so they are performing again. However, as a company, we have made the decision that we would like to review the appropriateness of the Bennelong Fund in our client's portfolios moving forward just due to the ongoing systemic performance of the investment option. So it's... We don't react quickly. So, you know, investments in the share market go up and down due to the volatile nature of them. So replacing something quickly due to underperformance is where we Wait. we don't act. We hold and wait and make informed decisions. So we have made the decision that we would like to look at the appropriateness and review that for our clients within their fund. Are you happy for me to do that? Yep. Yep.","start_word":3521,"end_word":3697,"sentiment":"neutral","sentiment_score":-0.054514702227976865},{"text":"That sounds fine. Lovely.","start_word":3698,"end_word":3701,"sentiment":"positive","sentiment_score":0.5341442823410034},{"text":"Okay. There was one other option that I did wanna include to review in your portfolio, and that's the third one down being the Beta Bank Hybrid ETF. There's nothing wrong with that as an investment option. It forms part of your defensive part of the portfolio. However, the Australian banking system has changed, And from January 2027, those bank hybrids will be phased out as an investment option through the banking system. So given the uncertainty surrounding what they're gonna be replaced with, because I don't know yet, I'd like to take a little bit of a more proactive approach to look at potentially a replacement now as opposed to waiting and seeing. Is that... Are you comfortable for me to look at that? Yep. Yep. That's fine. Okay.","start_word":3702,"end_word":3831,"sentiment":"neutral","sentiment_score":0.04123242199420929},{"text":"The rest of your portfolio has been performing well. You've got some great satellite niche sectors in there, being the global agriculture and your global cybersecurity, which have both performed really well, giving you a little bit of diversification to the growth market, but some niche sectors.","start_word":3832,"end_word":3878,"sentiment":"positive","sentiment_score":0.42609184980392456},{"text":"And you've got some gold exposure and also the iShares S and P five hundred, which is your global international American shares. So you you put... Overall, your portfolio is what... Is working well. It's just those two little tweaks I'd like to look at making, and then if at a whole, I find that there's a better portfolio overall that's gonna work better for you, I'll look at that as well.","start_word":3879,"end_word":3950,"sentiment":"neutral","sentiment_score":0.20552350829044977},{"text":"Excellent. Sounds good.","start_word":3951,"end_word":3953,"sentiment":"positive","sentiment_score":0.696112334728241},{"text":"Okay. The next document along is the Vanguard index chart. This is an educational tool, and I'm gonna tie it into your... Our risk profile conversation that we need to have. So those top four along the right hand side of the page where it says US shares, Australian shares, international, and Australian listed property, they're your growth assets with the bottom two, Australian bonds and cash being your defensive style assets. Now you're currently invested as a growth investor, and what that means is that there's an allocation to growth assets and defensive assets. So we split... So your your superannuation funds are split to approximately 80% in those top four and twenty percent in the bottom two, and they obviously vary over time with market movement and contributions. The the minimum suggested time frame for a gross investor is six years. That allows you to withstand those market volatility that you can see on that lovely pretty little graph with the... With a negative with a negative return likelihood of one year in every five years. The Yes. the reason why I bring it up in this conversation is every single time we have a review, we're gonna revisit your gross... Sorry, your risk profile and your your attitude and tolerance to grow... To risk being... Risk in this conversation being those top four, those growth assets. Now given that you're approximately eighteen years away from being able to access your superannuation, how are you feeling with that that growth risk profile? So 80% to your growth assets and 20 to your defensive assets knowing that that 80% is gonna experience volatility throughout the coming Yeah. years. I think I'd like to lower the risk, to be honest. Yeah. Yep. Yeah. And so that means that we would look at... The next one down is a balanced growth investor, And in that that that risk profile, you're looking at about 70% allocated to your growth assets and 30% to your defensive assets with a negative like... Oh, sorry.","start_word":3954,"end_word":4293,"sentiment":"neutral","sentiment_score":-0.01818275637924671},{"text":"A negative return likely in one every six years.","start_word":4294,"end_word":4302,"sentiment":"negative","sentiment_score":-0.606596827507019},{"text":"Okay. Let's go with that. Yeah. You... You'd like to decrease to a balanced growth? Yeah. I think so. Yep. Yeah. Just to dig a little bit deeper so I can make sure that I understand why. Well, not why, but... So I can make sure that I've got my notes to reflect that that we had a really good conversation about this. What is your thought process for that? Well, like, obviously, it's you you know, you you do this every day. Right? So you you know Mhmm. the ins and outs of this where I think I was happy to take I was happy to to take more of a risk in my my younger years, but I think I just... I'd rather know that. I think because of my family, I I Yeah. I just wanna... I just feel more comfortable with less risk, That's if that makes absolutely sense. It fine. just... Does It that make sense? Like, I'd it rather does. not have all my eggs in in in one basket. I'd rather just have my safety basket and then, you Yep. know, a couple of fingers out of the boat seeing, you know, if we can... If it's a 70 I understand. 30, that's still that's still... You know, we can still achieve some goals there. Yeah. Okay. Nope. That's absolutely fine, and I completely understand. So just to finalize that, a gross portfolio, you're expecting a return... An average annual return of between seven to 9% per annum long term. So not per year, but long term rolling Yep. with a balanced gross being six to 8% per annum long term rolling. So you're comfortable with that slightly 1% less either side? Yes. Yep. Yep. Yep.","start_word":4303,"end_word":4595,"sentiment":"neutral","sentiment_score":0.06978181004524231},{"text":"Okay. Fantastic. That's absolutely fine. Like, I'm And still I gonna can... see that number grow.","start_word":4596,"end_word":4611,"sentiment":"positive","sentiment_score":0.4410713315010071},{"text":"Right? The number's gonna keep growing with the contributions It... and and and the investing. Yeah. But if if Yeah.","start_word":4612,"end_word":4631,"sentiment":"neutral","sentiment_score":0.17966356873512268},{"text":"the market was if the market was to completely crash tomorrow, what would happen Mhmm.","start_word":4632,"end_word":4646,"sentiment":"negative","sentiment_score":-0.3960801362991333},{"text":"what would happen to those funds? Okay. So great question. So if we look at... So you're looking at that chart right now. Still yes? Yep. So let's look at nineteen twenty COVID nineteen. That's probably the most recent significant crash everyone recalls. Yes. So Yes. you'll see along the top, there's some black writing. If you navigate to COVID nineteen in the 1920 year, you'll see the market absolutely plummeted Yeah. with property being one of the main ones that plummeted significantly, but we all know what happened with property Yeah. after that. Yeah. So that's that's essentially what will happen.","start_word":4647,"end_word":4748,"sentiment":"neutral","sentiment_score":-0.13484546542167664},{"text":"Your portfolio, if the market crashes, your portfolio is gonna crash with it.","start_word":4749,"end_word":4761,"sentiment":"negative","sentiment_score":-0.3775217235088349},{"text":"The question is is how long do you have to allow for your portfolio to recover? So given that it's your superannuation and you can't access it to your age 60, that's eighteen years. Yeah. So every single year, what happens is is we have a conversation about risk profiles. For example, I had a conversation yesterday with a client that is about five years away from retirement, and we're Okay. looking at... That's the time where we'd start to look at reducing some of the growth assets and increasing our defensive assets because we we wanna lower the risk for him Yep. as he approaches retirement. Now he's only five years away from being able to access his superannuation. So he needed, and logically for him, needed to reduce his risk. Yep. If we flip it for your situation, you have your investment property, which is held in your personal name. Yes.","start_word":4762,"end_word":4914,"sentiment":"neutral","sentiment_score":-0.07173125445842743},{"text":"So that's a great investment for yourself to hold personally.","start_word":4915,"end_word":4924,"sentiment":"positive","sentiment_score":0.4123605489730835},{"text":"You've got your superannuation, which is invested across a split of growth and defensive assets. So property would consider a growth asset.","start_word":4925,"end_word":4946,"sentiment":"neutral","sentiment_score":0.27803105115890503},{"text":"So you've got a big growth asset in your personal name sitting there that's generating you some long term growth and also some income.","start_word":4947,"end_word":4970,"sentiment":"positive","sentiment_score":0.3414180278778076},{"text":"Yes. Now the same the same thought process can be applied to a superannuation fund. We wouldn't expect you to invest, you know, your superannuation for a short period of time being five years in a gross kind of asset risk profile knowing that it's gonna be a short term investment, the same as you wouldn't do it for an investment property. You're Yeah. investing for long term growth. So if you think of your superannuation in a similar way to your investment property, me person... Not me personally. My job as an adviser is to make sure that you're invested in a risk that is appropriate for you, being your tolerance to risk and your comfort. So one of the things I like to call it is the sleep at night test. Is your Yes. superannuation keeping you up at night? Are you worried about the performance of it? When the market drops, do you immediately worry about your superannuation? Or is it more that you're not sure how the market behaves and you're unsure about the level of risk to take for that? Yep. Okay. So we can definitely drop it down to a balanced growth. And like you said, I do this day in and day out. So for me, I understand it, but... Not understand it, but I can I can explain it and, you know, make it make sense in my head? Yes.","start_word":4971,"end_word":5208,"sentiment":"neutral","sentiment_score":-0.016150957756057505},{"text":"But for but for other people that don't do it day in and day out, it can be scary to consider losses.","start_word":5209,"end_word":5230,"sentiment":"negative","sentiment_score":-0.39844566583633423},{"text":"Yeah. Yeah. Okay. I think... Yeah. Drop it down then to the $70.30, the balance. Like, we know Yep. that we got the we know that we got the investment. We know that we Mhmm. still got eighteen years. We're only reducing it by 1%. Let's see how that let's see how that plays out for twelve months, and then we'll we'll look at it again next year. Whether No we worries just at all. revert Yep. it back or or, yeah, see what's happening around the world then.","start_word":5231,"end_word":5319,"sentiment":"neutral","sentiment_score":0.0012033674865961077},{"text":"Absolutely. I can definitely arrange that.","start_word":5320,"end_word":5325,"sentiment":"positive","sentiment_score":0.47220638394355774},{"text":"The next two documents are your certificates of currency. So what they are is certificates stating that your insurances are in place with AIA. So they're the levels of cover we talked about on the first page. So they're just for your information to confirm that they are in place. Okay. Yeah. The following document is our financial services guide. So you would have received this in the past, and we have an updated version. It's just... It's a legal requirement that we supply this to our clients to provide information. So it will tell you who we are, who we're licensed through, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, an overview of our fees, and also the complaints process should you need to do that.","start_word":5326,"end_word":5462,"sentiment":"neutral","sentiment_score":0.051211871206760406},{"text":"Perfect. And the final document is your ongoing service agreement.","start_word":5463,"end_word":5472,"sentiment":"positive","sentiment_score":0.3842611312866211},{"text":"So each year, you'll sign a document if you wish to continue being a client and receiving advice. So for you, the annual fees for this coming year or twelve months, I should say, is $3,340.37, which is deducted monthly from your superannuation fund, which I estimate to be $278.36 per month. What that fee covers is your reviews that we're doing now. The work that I'm gonna do post this to review those insurance... Sorry, insurance investment options and also look at a portfolio to take you down to a balanced growth. But you're also not limited in the amount you contact us. So you don't need to wait to each annual review if you have a question or a query or you need to seek further advice.","start_word":5473,"end_word":5601,"sentiment":"neutral","sentiment_score":0.1545611470937729},{"text":"You just reach out, and we make that appointment happen. So that's what that fee covers you for.","start_word":5602,"end_word":5619,"sentiment":"positive","sentiment_score":0.38376614451408386},{"text":"And that's the end of those documents.","start_word":5620,"end_word":5626,"sentiment":"neutral","sentiment_score":0.19821697473526},{"text":"So if you're happy to continue as a client for another twelve months, I ask that you sign that last document and return to us.","start_word":5627,"end_word":5651,"sentiment":"positive","sentiment_score":0.37572500109672546},{"text":"And, basically, the next steps that I'm gonna do from here is I'm going to go away, do that research on that replacement fund funds, but I'm also gonna look at a different portfolio from... For you. So I probably make a recommendation to change all of... Most of the investments within your fund, and it might not be changing them as a whole. It might be just reducing exposure to some of them, so reducing the amount that we have invested with them to Yeah. go to to be more in line with that $70.30 split.","start_word":5652,"end_word":5748,"sentiment":"neutral","sentiment_score":0.006718437004949629},{"text":"Perfect.","start_word":5749,"end_word":5749,"sentiment":"positive","sentiment_score":0.5044620633125305},{"text":"Yeah. So that takes about two weeks to do because then we're... We've gotta do an advice document and then present that to you. So I am wondering, the week beginning the October 19, what availability do you have? To be honest, around this sort of time, Monday to Friday, I'm I'm pretty free. I don't... Yeah. Work's pretty flexible. Yeah. Yeah. Okay. So if As long I as have you remind a... me on I the day. can def... I can definitely do that. So this is around twelve WA time? Right. Yeah. Yep. Okay. Let... Because Daylight Savings, the bane of my existence will be in play by then. So give me one second to figure out what time that would be here to make sure that I get it right for you. So twelve WA time is two Queensland time. So I can book that in on Thursday, the twenty second. Does Yeah. that sound okay? Did you want me to send you a calendar invite and a text message the day of or the day before? Yeah. Day day off. Text message day off. I remember the day. It's my brother's birthday, so that's that's fine. Oh, 12:00. do you wanna do a different do you wanna do a different day? No. No. No. No. No. No. That's fine. No? Yep. Twenty Okay. second. No. Easy... Easier to remember. Yep. Okay.","start_word":5750,"end_word":5984,"sentiment":"neutral","sentiment_score":0.04787079617381096},{"text":"Fantastic.","start_word":5985,"end_word":5985,"sentiment":"positive","sentiment_score":0.4030921757221222},{"text":"Well, I'll have a a... I'll get a text scheduled to text you that morning.","start_word":5986,"end_word":6000,"sentiment":"neutral","sentiment_score":0.2421957403421402},{"text":"Perfect.","start_word":6001,"end_word":6001,"sentiment":"positive","sentiment_score":0.38568466901779175},{"text":"I'll just sign Lovely. those documents. They they should... You should get them back in a second.","start_word":6002,"end_word":6018,"sentiment":"neutral","sentiment_score":0.19911199808120728},{"text":"Fantastic. Thank you for that, Jonathan.","start_word":6019,"end_word":6024,"sentiment":"positive","sentiment_score":0.6315991878509521},{"text":"And in the meantime, any other questions that you have for me? No. Not really. If you can No. send me through that information about the about the wheels, that'd be great. I've... Yeah. 100%, I will do that for you. Once we're settled into a new rental where, you know, that'll be the next thing we can, you know, strike And... off the list when we Absolutely. get around to it. Absolutely. So they will also... If you do wish to proceed with them, they can do it via phone and all that with you as well.","start_word":6025,"end_word":6122,"sentiment":"neutral","sentiment_score":0.05861370254079906},{"text":"Oh, brilliant.","start_word":6123,"end_word":6124,"sentiment":"positive","sentiment_score":0.44897985458374023},{"text":"So they're based here in Queensland, and the brochure does say Queensland, but it's Australia wide. So just disregard that. And, yeah, they can work with you to do that. Yep.","start_word":6125,"end_word":6155,"sentiment":"neutral","sentiment_score":0.13505373895168304},{"text":"Excellent. Sounds good. Thanks, Jenna. Wonderful. Well, thank you so much for your time. I appreciate it, and I will be speaking with you again on the twenty second. Excellent. Have a great afternoon. Thanks, mate. You too. Appreciate You it. too.","start_word":6156,"end_word":6197,"sentiment":"positive","sentiment_score":0.6932629346847534},{"text":"Bye. See you. Bye bye. Bye. Bye.","start_word":6198,"end_word":6204,"sentiment":"neutral","sentiment_score":0.2028377503156662}],"average":{"sentiment":"neutral","sentiment_score":0.028755287396888898}}}}