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Oh, no. That's okay. So... Yeah. Yeah. That's okay. I'm so sorry. I didn't actually get that email to you just now. I do apologize. Yeah. No. That's absolutely fine. This is a nice easy one. So I'll... Did you... Are you able to access your email there just to open the document with me as well? If you can't, that's okay. I can just run you through it. It is. Yeah. Oh, no. This is just coming through now to you. That's alright. How's everything been going for you since since we last caught up? Fantastic. Congratulations. That is good. One less thing to worry about. And the last thing we were sort of talking about was that you're also down the track looking in a few months and maybe you could drop in hours. Is that the next thing on your list to look at doing? Or yeah. Yeah. Oh, wow. No. Well, do let me know how you go with that one and if you, you know, you decide to go, we can go through and update everything for you. With this advice document here... Also, before I jump into everything, I do have to let you know I record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. I've had a kind of trouble with OdoSign lately. It sometimes comes through on some devices, not others. It takes longer on some devices. I don't know if it's OdoSign itself or if it's just the Internet connection between the devices. I can. Yep. I can. I've just got to... Oh, I've gotta redo the whole new... No. That's okay. I've got it a whole new... Is it coming through? Because I could just reply back to do some of the copy of it for you until it pops through. Nothing as of yet? That sounds like it has come through. That's a positive sign. Yep. And when you go forward, it should bring up the statement of advice with your name on the front. Is that the right one you're seeing? Yep. Beautiful. Fantastic. Yep. Beautiful. All good. Excellent. So what I'll do on the front... No. You're absolutely fine. Essentially, with this one here, we were looking at super. We did sort of note in the last review that there's some underperforming investments. So I went back and had a look at the super as well as the investments within that to see how we can get things working a little bit harder for you. Also, looking at trying to reduce any fees within the funds there for you as well. So this advice document has been prepared for yourself with today's date. That all of our advice is valid for six days. You can take some time to read it later on if you wish to. And on the bottom there, it's got my authorized representative number as a licensed financial adviser for you as well. Okay. As you do kind of scroll through the pages there, we have the best interest to the outline, the table of contents, and the scoping in and out areas. So this one here is limited to superannuation, and I've also included the estate planning in there just to have all your beneficiaries updated to legal personal representative. So in the event that something occurs or happens to yourself so that Kelly can still receive the funds, we talked about having it passed through your estate going to Hayden who can then... Oh, sorry. Going to Michael and controlled by Hayden for the preference of Michael. Yeah. Sorry. Yeah. Beautiful. So maybe because it... You know, it was all not not ending up controlled by Hayden that Michael will be able to receive the funds to your brother so that, you know, he could support Kelly's needs and make sure that he was supportive financially longer term there. So just kind of breaking that down, and that is the last section in here for you. I have scoped out any other additional areas like insurances, cash flow and budgeting, Social Security, and any debt related advice. And I'm not providing advice on the retirement drawdown aspect at the moment either just because you're too young for that. That's something we need to look at when you get a bit closer to retiring, and we'll absolutely look at that for you then. Okay. Look. We always forget everything back in the back end. It's just a little bit too close to... It's it's too far away at the moment to be able to put that into an advice document. It has looked very nice. It'll probably come out saying you're gonna have about $4,000,000 at the end of the the time frame, which is great, but market conditions and changes to your circumstances have a much bigger effect than that. So I limit that for the time being. If... Yeah. So that I don't take up all of your lunch break, if you can go to page 16 for me, I'll take you to the recommendations that I've made. Sixteen. Yeah. It's... The heading should say strategy recommendation. Beautiful. So with this one here, Catherine, I did look at BC Panorama where you are currently with your super as opposed to any other funds out there. There were other funds that did have lower administration fees. However, when I had a look at moving you consequences were gonna be too high. So, realistically, what I look at is when we sell down your entire portfolio and move you to somewhere else, we essentially note that the CDT comes off your balance, and we have to find a way to be able to make that back nice and quickly. Realistically, it didn't work out into your benefit to do so. So remaining within BT actually works in your favor. Because of the capital losses that have been received by Ben along being an underperforming investment, I was able to alter your portfolio and offset any gains by the loss that had already been received by the underperforming investment. So it actually means that with making the alterations and keeping you in the BT product, there's no capital gains consequences for your super, which will be a benefit to you. Excellent. I'll... That's kind of just outlining the reasoning and the best interest for retaining you in the fund that you are currently. If you go down, you'll see there are advantages, disadvantages, and risks involved, and now alternatives that have been considered as well. If you go down to page 21 for me, I'll take you through a little bit more around the reasoning. Beautiful. So you'll see here with the current... It's got your current balance there of 285,047. Within BC Panorama, you've also got admin fees, investment fees, and any other fees applicable to fund contributions and insurance premiums currently coming out there as well. With the recommended, your balance will stay exactly as it is now because there are no CGT consequences because we've been able to offset any gains to changing a portfolio by the losses that have been seen already by Benelon, which is a positive thing. With BT, we're changing the portfolio. It does mean altering the cash percentage, so it does mean the admin fees do go up slightly by about $25. But your investment fees changed significantly. The newer portfolio is a lot cheaper. It's actually reducing your admin fees... So investment fees to $589. So it's saving you 1,140 for the 30 on investment fees. And when I look at the the difference with increasing your admin fees with the reduction of investment fees all up, you're saving over $1,115 in fees. So it did work out a lot better to do this switch, and there's no CGT consequences, so it does work in your benefit, which again is a positive thing. The ongoing service fee remains. It does just decrease just slightly, which is a positive thing as well, saves you expected about $85 and net contributions going in. And then we've also got insurance payments remaining the same with this one. When I looked at how the investors have been performing and whilst your portfolio has been receiving some great returns, over the past sort of five year rolling average, the current portfolio sort of been generating an average about 5.56%. So I wasn't overly impressed with that. We wanna get those returns as high as possible. This year is definitely having quite an effect on the market as a whole and the returns as a whole, but still making sure that we can make the best of any investments that you're in. So the newer portfolio has averaged about 10.71% there, so we wanna try and get the best we can. And this newer portfolio shows that it has performed better. It can generate much better returns even in a volatile environment like it has been over the past couple of years there. With the projections underneath that, you'll see with the current portfolio, the current scenario, if it's able to... What it has over the past of the five years, you're expected to end up with about 333 and 5 thou... Five years, sorry, or a little over 383,000 in ten years there. So with the newer portfolio recommended fee savings for you as well and also the much better past performance, you can see yourself in a much greater position over the next five to ten years, which is exactly what I would like to see happen for you. Yeah. Yes. This is... No. Yes. This is basically saying if this portfolio can obtain about a 10.71% over the next five years on a regular basis, which is pretty average for a portfolio. A lot of portfolios, you know, one year we might expect or be able to get, you know, a 15 or 20% return. Another year, it could be a 4% return. Another year, it could be 10 or 11 or 12. So it's the same... It's the same average that it has been able to obtain, and this has been in a pretty volatile environment. This portfolio, while I don't expect this exact return every year, could average this over the next sort of five years given the ups and downs, and it could show you in a much better position there. One of the main things that I do sort of would look at changing is if you do happen to reduce your hours and do kinda go back into part time work, then we will come back and definitely revisit a lot of this because that will affect your insurances, and that will also change the contributions going in. So that could have a a longer term effect on the projected outcome. So if that's the case, we'll definitely come back and reevaluate where things are at for you. Okay? Yeah. Yeah. Absolutely. Yeah. Absolutely. If you have a look... Absolutely. Yeah. Yeah. One of those things. And and so that doesn't help with everything going up and the fuel going back up in price again, and the cost of living is just phenomenal. Yeah. Yeah. Yeah. It's a big one. It's like it's it's a good idea and all, but then the upfront cost, and is there another loan, and the interest on the loan, and the long term effect of those sorts of things? Yeah. Yeah. Yeah. Beautiful. That's that's okay. Just keep keep going and chatting with me. If there's anything research wise you want me to sort of look at for you, just let me know. I'm always happy to jump in and see what I can help you with. Do you see? That's okay. If you go down to page number 22, this sort of shows you the difference in the two portfolios with the current and the recommended and how they have kind of performed over the past twelve months, three years, and five years. So you can see quite a bit of a difference, but you can sort of see with the recommended portfolio, and this is including this year, which has had quite a lot of volatility in it, that this portfolio can generate higher than 10% returns, and it's sort of averaged around about that 10 to 14% on a yearly basis. So it's not doing too bad at all. It does have potential to get much greater returns. It's just looking at, you know, what it's done over the past with the ups and downs that we've been going through in the last sort of five years, essentially. Excellent. If you go down to page 23, this is essentially the change in the investments that I wanted to sort of show you. This is the page that everyone really some people like to look at, some people go, no. I'm not that interested. Yeah. No. Honestly, it is a lot, but it's honestly really easy. So what you're sort of looking at there is the first line is your current investments as well as anything that we wanna put into the portfolio. The ACI, our code, you don't have to worry about that. It's a formality for us so we understand what investments they've put you in. You've got your current weighting. So your current percentage of the investment you have in the portfolio currently and then your current balance in that portfolio currently as well. With the buy sales we have here, so, essentially, you've got about 13% in physical gold at the moment. You're a bit overexposed, so you wanna cement some of the gains and rebalance you back. So bring you back to 10% there. Okay? The Benelon concentrated Australian equities, that is going completely because it has been under performing, not doing well at all right now. So we're just removing that wholly from your portfolio. The Vanguard fixed interest investment, again, is underperforming a little bit. So we are wanting to remove that completely from your portfolio as well. The beta share cybersecurity, that is a good investment. Has been a lot of volatility in the market this year, but it is still good to keep within your portfolio there. You've got about 6.84%. We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing. You've also got the iShares Europe. They're giving you exposure to all the European countries. It's about 4% there at the moment. We wanna hold 8%. We'll buy a little bit more of that investment for you. With this bottom one, the European investment, we don't need to hold two investments in Europe. We just gotta hold one. It makes them more cost effective as well, so we are gonna remove this one investment out of there for you. We are keeping some Japanese exposure. It is what they have done quite well. They were actually very well prepared for this year with the fuel crisis, so we are keeping that well within the portfolio and just wanna hold 5% total for you. The next one is the S and P 500. It's tracking the top 500 companies on The US. You're only slightly over invested in that investment at the moment. They're selling 2,500 to bring you back to 30% just to be the portfolio. There is a lot of volatility in The US at the moment, but it is still a positive place to be invested. Long term, we do still see really good growth coming out of those sort of investments there. The... One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment. This is essentially just giving you exposure to the entire globe minus The US Of A. We don't need The US in this investment because we have the S and P 500 above there, but it is giving you exposure to the rest of the globe. It's looking at emerging markets as well as already established markets on all the exchanges. And one of the biggest things about reducing risk is making sure we diversify as much as possible. So this is one way to do that. It's also Vanguard and ETF, and it's a low cost to hold this investment as well. So it's positive. Yeah. So we'll hold 8% in this investment for you. Because we have gotten rid of Van Alon to the underperformance there, I'm replacing it with the BetaShares Australia 200. This is tracking the top 200 companies on the ASX. One of the biggest things I do like about swap is that it's a lower cost investment. Then along, it costs a little bit more to hold. It also only generally held about 15 to 25 different investment options depending on what the then along investment committee had decided to invest in. Whereas the BetaShares a 200, you're tracking the top 200 companies across the Australian ASX. So you are tracking a much greater range of investments that give you greater diversification and lowering your investment fees along the way positive. And then the last one is core composite bonds. So this is defensive in nature. It is good for income production. We're looking at government as well as core funds, so all, you know, good quality bonds, giving regular coupon payments, which is income paid into your cash account, which can be redistributed across your portfolio. One of the good things I do like about all these investments are they are all ETFs. Aside from gold, most of them produce a lot of... Not a lot. They produce the dividends every year. We want dividends and income to be reduced out of your portfolio, paid to your cash account to have that reinvested back in, and that helps with the compounding effect as well for you. Yeah. Other than that... Yeah. It's not too bad. Absolutely. Down just a little bit further, I did look at your cash account. It is a little bit high, so I am just reinvesting a bit over 16,000 back into your portfolio. I did flag that with the investment committee going, hey. This is a bit high. We do not wanna hold this much cash. So they will look to reinvest that back into your portfolio for you. Beautiful. Do you have any questions so far at all, Catherine? No? Easy. All good. Underneath that, I've also got on page 26 for you just a recommendation with setting up the LPR, the legal personal representative on your beneficiary nominations there. Other than the best interest, which is basically how and why I came to the decision and why recommending you do the LPR is preferable, but also making sure that your will is set up to reflect receiving the funds and then having them distributed through Michael as essentially, you know, the fund distributor for any money that Kelly is to receive if you were to pass away at the end of the day. So so, yeah, feel free to have a bit of a read through that. I've also got the advantages, disadvantages, risks involved. I've also added in there the adding... Setting up and, you know, redoing of a will and power of attorney with any advantages, disadvantages, risks, and alternatives considered for you. So you've got a bit... Yeah. You're welcome to read over, have a look at that. And if you find you do happen to have any questions, you are welcome to let me know. So you see, it's a nice, easy document for you. Essentially, to make this a bit easier, once you've kind of taken your time to read it over, if you're happy to proceed with everything, you'll just sign and return it back. We'll complete the investment switch with NBT for you. We'll make sure we catch up prior to your Cal Polycom coming off the premium holiday for your trauma, and we'll make sure we send out those beneficiary nominations for you. And then if you, you know, need a solicitor, we can always just tell you or pass some information on some local solicitors that can also assist you with doing up your will and power of attorney and making sure everything is set up correctly for you. Yeah. Easy. Beautiful. Yeah. I figured you probably do. You've probably got quite a few quite a few counsels that you're able to refer to. Yeah. Yeah. Wow. Yeah. No. You want them to do everything properly, especially when it comes to what you're just being true, all that legal stuff. That makes a big difference. Yeah. No. I understand that. That is for sure. To look after you and Kelly now. Yeah. Yeah. No. All good. All good. Well, feel free to take some time to re... Yeah. If you want me to, I can always email you and I'll... You're okay with that? Beautiful. Easy. Yep. Beautiful. If you ever did what... It might just need to... This is a bit funny. It doesn't kinda work the same way DocuSign used to. Once you kinda press sign, it sometimes pops up with a button that says next or continue. Is there anything that says that? And then it sometimes makes you click on this... The date button as well just to confirm the date. Yeah. Beautiful. Did you want me to email... Did... Absolutely. Absolutely. That way, you've got some time to read it over. Yeah. And if you find you have any questions... Yeah. Yeah. Absolutely. Not a problem at all. But, look, honestly, thank you. I enjoyed putting this together for you. Once we kinda get it all back, we'll get the investments which completed. That's what remove you out of those underperforming investments and get things working a bit harder for you. The... Moving forward, I know, you know, there's some things that might come and change in the next few months. Did you wanna do a catch up with me? Did you want me to give you a call in just a few months to see how things are going and do a catch up before Chrissy or after? Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Absolutely. I'll see what I can definitely do all. Yeah. Yeah. Absolutely. I can look at that for you. It's not a problem at all. Beautiful. And, yeah, I'll touch base in probably maybe... Did you want sort of November or just maybe December to touch base and see how things are going as well? Or yep. Catch up. Yes. Absolutely. Beautiful. Not a problem at all. Have you spoken to an accountant and organized to get your tax return done for last financial year as well, see if there's any kind of refund that could provide some assistance? Okay. Beautiful. Nice. Yep. Oh, fantastic. Yes. Yeah. Excellent. Yeah. Yeah. Beautiful. No. That's really good. Yes. Yep. Yeah. It does make a bit of a difference. Yeah. All the things that keep giving. Yeah. Yeah. It's a lot. Yes. Yep. Yep. Yeah. Yeah. Definitely. Yes. Yeah. Absolutely. Definitely. You may as well do that to protect yourself, but one of the things that I honestly... I don't know if I wish I would have done, but it it probably would have got me more money than I would have... Than I did get. I got nothing in child support when my kids were young and my ex left. And then when I tried to go to child support, he quit his job. So I was getting nothing, couldn't get anything, and they kinda never chased him for it. But nowadays, they do try a little bit harder to get the money and have a lot more kind of control around it. So Yeah. Yep. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Yep. Yep. Yeah. So when... What they essentially do is when you both see your tax return every year, that'll get... Kinda gets consolidated, and then you get a letter that says how much you've earned, how much he has earned, and how much has to be paid based on this for the next year, essentially, per month, per week, or however they distribute it. And it's... Yeah. So they basically tell you in advance how much you're supposed to get for the next twelve months, so that's what you can tell me. And that's kind of reflective. They do also account that as part of Centrelink when you are divorced. So that's one of the questions they'll ask is are you getting child support? And they'll try to sort of account that as well. So, yeah, just declare that all the things. And then at the end of the year with the rebalancing, they check how much has been paid because with the child support, they know what your tax returns are. They know how much should have been paid, and they check to make sure what has been paid. And then as soon as it doesn't quite meet what should have been paid, they should be able to go back and go after the next sort of money, you know, kind of rebalance it or getting to pay back a bit more if it hasn't kinda equaled out. So they can definitely do that. It's been a while since I've dealt with child support, so it could be a little bit different. But, yes, that's how it's supposed to work. Yeah. Yeah. Yes. Yeah. It goes in the last tax return. Yeah. Absolutely. Yeah. Definitely. Yep. No. You're you're absolutely fine. It's not a problem at all. I actually really enjoy our conversations. They're great. I do. No. It's all good. Honestly, you go on whatever terms that you need. You use me as a sounding board for whatever you possibly need. That's what I'm here for. So Yeah. Yep. Yes. So what we'll do is we'll send out the beneficiary nominations for you... For it to be filled out to legal personal representative because that just basically means the money goes from your life insurance and your suit card to your will. Your legal personal representative is essentially your estate. So inside your will, your lawyer just needs to state that the the proceeds to be received as well as everything else that you own and however you want that distributed, your super and your life insurance proceeds. And if you need, I can send you a copy at the time when you go to see them. We can send you a copy of the life insurance, some insured, and your super balance so that can all be accounted for. And then you just... In the body of the will has to be noted how they want... How do you want that distributed, noting that, you know, you want everything to go to Michael so he can look after Kelly and any directions that you have for Michael on how you want that money to be distributed, looked after to make Kelly believes the best benefit. Yeah. Easy. Yeah. I'll get the team to do other beneficiary forms, and we can pre fill it with LPR for you and pre fill those forms as much as possible. Are you happy to meet out that organized? Yeah. That's exactly right. Yeah. Yep. So with LPR, it always goes to your state. If something happens to your brother, you just pick another guardian or another person, and you just have your will updated. It does make it easier for you. Yeah. Easy. All good. It does. It does. Thank you so much for your time today. I'll let you go so you can dump and and hopefully eat before you go back to work. But if you need anything in the meantime, let me know. I do the same thing. Anytime you have a great afternoon. Thanks, Cass. 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Catherine. It's Dana. How are you? I'm very well. Thank you.\n\nI had you booked in just to go through your updated statement of advice today. Is now still a good time there for you? Yes. Oh, no. That's okay.\n\nSo... Yeah. Yeah. That's okay. I'm so sorry.\n\nI didn't actually get that email to you just now. I do apologize. Yeah. No. That's absolutely fine.\n\nThis is a nice easy one. So I'll... Did you... Are you able to access your email there just to open the document with me as well? If you can't, that's okay.\n\nI can just run you through it. It is. Yeah. Oh, no. This is just coming through now to you.\n\nThat's alright. How's everything been going for you since since we last caught up? Fantastic. Congratulations. That is good.\n\nOne less thing to worry about. And the last thing we were sort of talking about was that you're also down the track looking in a few months and maybe you could drop in hours. Is that the next thing on your list to look at doing? Or yeah. Yeah.\n\nOh, wow. No. Well, do let me know how you go with that one and if you, you know, you decide to go, we can go through and update everything for you. With this advice document here... Also, before I jump into everything, I do have to let you know I record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Beautiful. I've had a kind of trouble with OdoSign lately. It sometimes comes through on some devices, not others. It takes longer on some devices.\n\nI don't know if it's OdoSign itself or if it's just the Internet connection between the devices. I can. Yep. I can. I've just got to...\n\nOh, I've gotta redo the whole new... No. That's okay. I've got it a whole new... Is it coming through?\n\nBecause I could just reply back to do some of the copy of it for you until it pops through. Nothing as of yet? That sounds like it has come through. That's a positive sign. Yep.\n\nAnd when you go forward, it should bring up the statement of advice with your name on the front. Is that the right one you're seeing? Yep. Beautiful. Fantastic.\n\nYep. Beautiful. All good. Excellent. So what I'll do on the front...\n\nNo. You're absolutely fine. Essentially, with this one here, we were looking at super. We did sort of note in the last review that there's some underperforming investments. So I went back and had a look at the super as well as the investments within that to see how we can get things working a little bit harder for you.\n\nAlso, looking at trying to reduce any fees within the funds there for you as well. So this advice document has been prepared for yourself with today's date. That all of our advice is valid for six days. You can take some time to read it later on if you wish to. And on the bottom there, it's got my authorized representative number as a licensed financial adviser for you as well.\n\nOkay. As you do kind of scroll through the pages there, we have the best interest to the outline, the table of contents, and the scoping in and out areas. So this one here is limited to superannuation, and I've also included the estate planning in there just to have all your beneficiaries updated to legal personal representative. So in the event that something occurs or happens to yourself so that Kelly can still receive the funds, we talked about having it passed through your estate going to Hayden who can then... Oh, sorry.\n\nGoing to Michael and controlled by Hayden for the preference of Michael. Yeah. Sorry. Yeah. Beautiful.\n\nSo maybe because it... You know, it was all not not ending up controlled by Hayden that Michael will be able to receive the funds to your brother so that, you know, he could support Kelly's needs and make sure that he was supportive financially longer term there. So just kind of breaking that down, and that is the last section in here for you. I have scoped out any other additional areas like insurances, cash flow and budgeting, Social Security, and any debt related advice. And I'm not providing advice on the retirement drawdown aspect at the moment either just because you're too young for that.\n\nThat's something we need to look at when you get a bit closer to retiring, and we'll absolutely look at that for you then. Okay. Look. We always forget everything back in the back end. It's just a little bit too close to...\n\nIt's it's too far away at the moment to be able to put that into an advice document. It has looked very nice. It'll probably come out saying you're gonna have about $4,000,000 at the end of the the time frame, which is great, but market conditions and changes to your circumstances have a much bigger effect than that. So I limit that for the time being. If...\n\nYeah. So that I don't take up all of your lunch break, if you can go to page 16 for me, I'll take you to the recommendations that I've made. Sixteen. Yeah. It's...\n\nThe heading should say strategy recommendation. Beautiful. So with this one here, Catherine, I did look at BC Panorama where you are currently with your super as opposed to any other funds out there. There were other funds that did have lower administration fees. However, when I had a look at moving you consequences were gonna be too high.\n\nSo, realistically, what I look at is when we sell down your entire portfolio and move you to somewhere else, we essentially note that the CDT comes off your balance, and we have to find a way to be able to make that back nice and quickly. Realistically, it didn't work out into your benefit to do so. So remaining within BT actually works in your favor. Because of the capital losses that have been received by Ben along being an underperforming investment, I was able to alter your portfolio and offset any gains by the loss that had already been received by the underperforming investment. So it actually means that with making the alterations and keeping you in the BT product, there's no capital gains consequences for your super, which will be a benefit to you.\n\nExcellent. I'll... That's kind of just outlining the reasoning and the best interest for retaining you in the fund that you are currently. If you go down, you'll see there are advantages, disadvantages, and risks involved, and now alternatives that have been considered as well. If you go down to page 21 for me, I'll take you through a little bit more around the reasoning.\n\nBeautiful. So you'll see here with the current... It's got your current balance there of 285,047. Within BC Panorama, you've also got admin fees, investment fees, and any other fees applicable to fund contributions and insurance premiums currently coming out there as well. With the recommended, your balance will stay exactly as it is now because there are no CGT consequences because we've been able to offset any gains to changing a portfolio by the losses that have been seen already by Benelon, which is a positive thing.\n\nWith BT, we're changing the portfolio. It does mean altering the cash percentage, so it does mean the admin fees do go up slightly by about $25. But your investment fees changed significantly. The newer portfolio is a lot cheaper. It's actually reducing your admin fees...\n\nSo investment fees to $589. So it's saving you 1,140 for the 30 on investment fees. And when I look at the the difference with increasing your admin fees with the reduction of investment fees all up, you're saving over $1,115 in fees. So it did work out a lot better to do this switch, and there's no CGT consequences, so it does work in your benefit, which again is a positive thing. The ongoing service fee remains.\n\nIt does just decrease just slightly, which is a positive thing as well, saves you expected about $85 and net contributions going in. And then we've also got insurance payments remaining the same with this one. When I looked at how the investors have been performing and whilst your portfolio has been receiving some great returns, over the past sort of five year rolling average, the current portfolio sort of been generating an average about 5.56%. So I wasn't overly impressed with that. We wanna get those returns as high as possible.\n\nThis year is definitely having quite an effect on the market as a whole and the returns as a whole, but still making sure that we can make the best of any investments that you're in. So the newer portfolio has averaged about 10.71% there, so we wanna try and get the best we can. And this newer portfolio shows that it has performed better. It can generate much better returns even in a volatile environment like it has been over the past couple of years there. With the projections underneath that, you'll see with the current portfolio, the current scenario, if it's able to...\n\nWhat it has over the past of the five years, you're expected to end up with about 333 and 5 thou... Five years, sorry, or a little over 383,000 in ten years there. So with the newer portfolio recommended fee savings for you as well and also the much better past performance, you can see yourself in a much greater position over the next five to ten years, which is exactly what I would like to see happen for you. Yeah. Yes.\n\nThis is... No. Yes. This is basically saying if this portfolio can obtain about a 10.71% over the next five years on a regular basis, which is pretty average for a portfolio. A lot of portfolios, you know, one year we might expect or be able to get, you know, a 15 or 20% return.\n\nAnother year, it could be a 4% return. Another year, it could be 10 or 11 or 12. So it's the same... It's the same average that it has been able to obtain, and this has been in a pretty volatile environment. This portfolio, while I don't expect this exact return every year, could average this over the next sort of five years given the ups and downs, and it could show you in a much better position there.\n\nOne of the main things that I do sort of would look at changing is if you do happen to reduce your hours and do kinda go back into part time work, then we will come back and definitely revisit a lot of this because that will affect your insurances, and that will also change the contributions going in. So that could have a a longer term effect on the projected outcome. So if that's the case, we'll definitely come back and reevaluate where things are at for you. Okay? Yeah.\n\nYeah. Absolutely. Yeah. Absolutely. If you have a look...\n\nAbsolutely. Yeah. Yeah. One of those things. And and so that doesn't help with everything going up and the fuel going back up in price again, and the cost of living is just phenomenal.\n\nYeah. Yeah. Yeah. It's a big one. It's like it's it's a good idea and all, but then the upfront cost, and is there another loan, and the interest on the loan, and the long term effect of those sorts of things?\n\nYeah. Yeah. Yeah. Beautiful. That's that's okay.\n\nJust keep keep going and chatting with me. If there's anything research wise you want me to sort of look at for you, just let me know. I'm always happy to jump in and see what I can help you with. Do you see? That's okay.\n\nIf you go down to page number 22, this sort of shows you the difference in the two portfolios with the current and the recommended and how they have kind of performed over the past twelve months, three years, and five years. So you can see quite a bit of a difference, but you can sort of see with the recommended portfolio, and this is including this year, which has had quite a lot of volatility in it, that this portfolio can generate higher than 10% returns, and it's sort of averaged around about that 10 to 14% on a yearly basis. So it's not doing too bad at all. It does have potential to get much greater returns. It's just looking at, you know, what it's done over the past with the ups and downs that we've been going through in the last sort of five years, essentially.\n\nExcellent. If you go down to page 23, this is essentially the change in the investments that I wanted to sort of show you. This is the page that everyone really some people like to look at, some people go, no. I'm not that interested. Yeah.\n\nNo. Honestly, it is a lot, but it's honestly really easy. So what you're sort of looking at there is the first line is your current investments as well as anything that we wanna put into the portfolio. The ACI, our code, you don't have to worry about that. It's a formality for us so we understand what investments they've put you in.\n\nYou've got your current weighting. So your current percentage of the investment you have in the portfolio currently and then your current balance in that portfolio currently as well. With the buy sales we have here, so, essentially, you've got about 13% in physical gold at the moment. You're a bit overexposed, so you wanna cement some of the gains and rebalance you back. So bring you back to 10% there.\n\nOkay? The Benelon concentrated Australian equities, that is going completely because it has been under performing, not doing well at all right now. So we're just removing that wholly from your portfolio. The Vanguard fixed interest investment, again, is underperforming a little bit. So we are wanting to remove that completely from your portfolio as well.\n\nThe beta share cybersecurity, that is a good investment. Has been a lot of volatility in the market this year, but it is still good to keep within your portfolio there. You've got about 6.84%. We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing. You've also got the iShares Europe.\n\nThey're giving you exposure to all the European countries. It's about 4% there at the moment. We wanna hold 8%. We'll buy a little bit more of that investment for you. With this bottom one, the European investment, we don't need to hold two investments in Europe.\n\nWe just gotta hold one. It makes them more cost effective as well, so we are gonna remove this one investment out of there for you. We are keeping some Japanese exposure. It is what they have done quite well. They were actually very well prepared for this year with the fuel crisis, so we are keeping that well within the portfolio and just wanna hold 5% total for you.\n\nThe next one is the S and P 500. It's tracking the top 500 companies on The US. You're only slightly over invested in that investment at the moment. They're selling 2,500 to bring you back to 30% just to be the portfolio. There is a lot of volatility in The US at the moment, but it is still a positive place to be invested.\n\nLong term, we do still see really good growth coming out of those sort of investments there. The... One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment. This is essentially just giving you exposure to the entire globe minus The US Of A. We don't need The US in this investment because we have the S and P 500 above there, but it is giving you exposure to the rest of the globe.\n\nIt's looking at emerging markets as well as already established markets on all the exchanges. And one of the biggest things about reducing risk is making sure we diversify as much as possible. So this is one way to do that. It's also Vanguard and ETF, and it's a low cost to hold this investment as well. So it's positive.\n\nYeah. So we'll hold 8% in this investment for you. Because we have gotten rid of Van Alon to the underperformance there, I'm replacing it with the BetaShares Australia 200. This is tracking the top 200 companies on the ASX. One of the biggest things I do like about swap is that it's a lower cost investment.\n\nThen along, it costs a little bit more to hold. It also only generally held about 15 to 25 different investment options depending on what the then along investment committee had decided to invest in. Whereas the BetaShares a 200, you're tracking the top 200 companies across the Australian ASX. So you are tracking a much greater range of investments that give you greater diversification and lowering your investment fees along the way positive. And then the last one is core composite bonds.\n\nSo this is defensive in nature. It is good for income production. We're looking at government as well as core funds, so all, you know, good quality bonds, giving regular coupon payments, which is income paid into your cash account, which can be redistributed across your portfolio. One of the good things I do like about all these investments are they are all ETFs. Aside from gold, most of them produce a lot of...\n\nNot a lot. They produce the dividends every year. We want dividends and income to be reduced out of your portfolio, paid to your cash account to have that reinvested back in, and that helps with the compounding effect as well for you. Yeah. Other than that...\n\nYeah. It's not too bad. Absolutely. Down just a little bit further, I did look at your cash account. It is a little bit high, so I am just reinvesting a bit over 16,000 back into your portfolio.\n\nI did flag that with the investment committee going, hey. This is a bit high. We do not wanna hold this much cash. So they will look to reinvest that back into your portfolio for you. Beautiful.\n\nDo you have any questions so far at all, Catherine? No? Easy. All good. Underneath that, I've also got on page 26 for you just a recommendation with setting up the LPR, the legal personal representative on your beneficiary nominations there.\n\nOther than the best interest, which is basically how and why I came to the decision and why recommending you do the LPR is preferable, but also making sure that your will is set up to reflect receiving the funds and then having them distributed through Michael as essentially, you know, the fund distributor for any money that Kelly is to receive if you were to pass away at the end of the day. So so, yeah, feel free to have a bit of a read through that. I've also got the advantages, disadvantages, risks involved. I've also added in there the adding... Setting up and, you know, redoing of a will and power of attorney with any advantages, disadvantages, risks, and alternatives considered for you.\n\nSo you've got a bit... Yeah. You're welcome to read over, have a look at that. And if you find you do happen to have any questions, you are welcome to let me know. So you see, it's a nice, easy document for you.\n\nEssentially, to make this a bit easier, once you've kind of taken your time to read it over, if you're happy to proceed with everything, you'll just sign and return it back. We'll complete the investment switch with NBT for you. We'll make sure we catch up prior to your Cal Polycom coming off the premium holiday for your trauma, and we'll make sure we send out those beneficiary nominations for you. And then if you, you know, need a solicitor, we can always just tell you or pass some information on some local solicitors that can also assist you with doing up your will and power of attorney and making sure everything is set up correctly for you. Yeah.\n\nEasy. Beautiful. Yeah. I figured you probably do. You've probably got quite a few quite a few counsels that you're able to refer to.\n\nYeah. Yeah. Wow. Yeah. No.\n\nYou want them to do everything properly, especially when it comes to what you're just being true, all that legal stuff. That makes a big difference. Yeah. No. I understand that.\n\nThat is for sure. To look after you and Kelly now. Yeah. Yeah. No.\n\nAll good. All good. Well, feel free to take some time to re... Yeah. If you want me to, I can always email you and I'll...\n\nYou're okay with that? Beautiful. Easy. Yep. Beautiful.\n\nIf you ever did what... It might just need to... This is a bit funny. It doesn't kinda work the same way DocuSign used to. Once you kinda press sign, it sometimes pops up with a button that says next or continue.\n\nIs there anything that says that? And then it sometimes makes you click on this... The date button as well just to confirm the date. Yeah. Beautiful.\n\nDid you want me to email... Did... Absolutely. Absolutely. That way, you've got some time to read it over.\n\nYeah. And if you find you have any questions... Yeah. Yeah. Absolutely.\n\nNot a problem at all. But, look, honestly, thank you. I enjoyed putting this together for you. Once we kinda get it all back, we'll get the investments which completed. That's what remove you out of those underperforming investments and get things working a bit harder for you.\n\nThe... Moving forward, I know, you know, there's some things that might come and change in the next few months. Did you wanna do a catch up with me? Did you want me to give you a call in just a few months to see how things are going and do a catch up before Chrissy or after? Yep.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYeah. Absolutely. I'll see what I can definitely do all. Yeah. Yeah.\n\nAbsolutely. I can look at that for you. It's not a problem at all. Beautiful. And, yeah, I'll touch base in probably maybe...\n\nDid you want sort of November or just maybe December to touch base and see how things are going as well? Or yep. Catch up. Yes. Absolutely.\n\nBeautiful. Not a problem at all. Have you spoken to an accountant and organized to get your tax return done for last financial year as well, see if there's any kind of refund that could provide some assistance? Okay. Beautiful.\n\nNice. Yep. Oh, fantastic. Yes. Yeah.\n\nExcellent. Yeah. Yeah. Beautiful. No.\n\nThat's really good. Yes. Yep. Yeah. It does make a bit of a difference.\n\nYeah. All the things that keep giving. Yeah. Yeah. It's a lot.\n\nYes. Yep. Yep. Yeah. Yeah.\n\nDefinitely. Yes. Yeah. Absolutely. Definitely.\n\nYou may as well do that to protect yourself, but one of the things that I honestly... I don't know if I wish I would have done, but it it probably would have got me more money than I would have... Than I did get. I got nothing in child support when my kids were young and my ex left. And then when I tried to go to child support, he quit his job.\n\nSo I was getting nothing, couldn't get anything, and they kinda never chased him for it. But nowadays, they do try a little bit harder to get the money and have a lot more kind of control around it. So Yeah. Yep. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. So when...\n\nWhat they essentially do is when you both see your tax return every year, that'll get... Kinda gets consolidated, and then you get a letter that says how much you've earned, how much he has earned, and how much has to be paid based on this for the next year, essentially, per month, per week, or however they distribute it. And it's... Yeah. So they basically tell you in advance how much you're supposed to get for the next twelve months, so that's what you can tell me.\n\nAnd that's kind of reflective. They do also account that as part of Centrelink when you are divorced. So that's one of the questions they'll ask is are you getting child support? And they'll try to sort of account that as well. So, yeah, just declare that all the things.\n\nAnd then at the end of the year with the rebalancing, they check how much has been paid because with the child support, they know what your tax returns are. They know how much should have been paid, and they check to make sure what has been paid. And then as soon as it doesn't quite meet what should have been paid, they should be able to go back and go after the next sort of money, you know, kind of rebalance it or getting to pay back a bit more if it hasn't kinda equaled out. So they can definitely do that. It's been a while since I've dealt with child support, so it could be a little bit different.\n\nBut, yes, that's how it's supposed to work. Yeah. Yeah. Yes. Yeah.\n\nIt goes in the last tax return. Yeah. Absolutely. Yeah. Definitely.\n\nYep. No. You're you're absolutely fine. It's not a problem at all. I actually really enjoy our conversations.\n\nThey're great. I do. No. It's all good. Honestly, you go on whatever terms that you need.\n\nYou use me as a sounding board for whatever you possibly need. That's what I'm here for. So Yeah. Yep. Yes.\n\nSo what we'll do is we'll send out the beneficiary nominations for you... For it to be filled out to legal personal representative because that just basically means the money goes from your life insurance and your suit card to your will. Your legal personal representative is essentially your estate. So inside your will, your lawyer just needs to state that the the proceeds to be received as well as everything else that you own and however you want that distributed, your super and your life insurance proceeds. And if you need, I can send you a copy at the time when you go to see them.\n\nWe can send you a copy of the life insurance, some insured, and your super balance so that can all be accounted for. And then you just... In the body of the will has to be noted how they want... How do you want that distributed, noting that, you know, you want everything to go to Michael so he can look after Kelly and any directions that you have for Michael on how you want that money to be distributed, looked after to make Kelly believes the best benefit. Yeah.\n\nEasy. Yeah. I'll get the team to do other beneficiary forms, and we can pre fill it with LPR for you and pre fill those forms as much as possible. Are you happy to meet out that organized? Yeah.\n\nThat's exactly right. Yeah. Yep. So with LPR, it always goes to your state. If something happens to your brother, you just pick another guardian or another person, and you just have your will updated.\n\nIt does make it easier for you. Yeah. Easy. All good. It does.\n\nIt does. Thank you so much for your time today. I'll let you go so you can dump and and hopefully eat before you go back to work. But if you need anything in the meantime, let me know. I do the same thing.\n\nAnytime you have a great afternoon. Thanks, Cass. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":3.1999998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.19407707452774048},{"text":"It's Dana.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.24307196587324142},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2794474760691325},{"text":"I'm very well.","start":6.7999997,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6839568416277567},{"text":"Thank you.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.7483576834201813}],"sentiment":"positive","sentiment_score":0.43843553339441615,"num_words":12,"start":3.1999998,"end":8.08},{"sentences":[{"text":"I had you booked in just to go through your updated statement of advice today.","start":8.08,"end":11.28,"sentiment":"positive","sentiment_score":0.3878009299437205},{"text":"Is now still a good time there for you?","start":11.28,"end":13.46,"sentiment":"neutral","sentiment_score":0.29874837895234424},{"text":"Yes.","start":15.44,"end":15.94,"sentiment":"neutral","sentiment_score":0.10193727165460588},{"text":"Oh, no.","start":19.975,"end":20.455,"sentiment":"neutral","sentiment_score":-0.03151094168424606},{"text":"That's okay.","start":20.455,"end":21.195,"sentiment":"neutral","sentiment_score":0.03448229469358921}],"sentiment":"neutral","sentiment_score":0.297021701289662,"num_words":29,"start":8.08,"end":21.195},{"sentences":[{"text":"So...","start":21.735,"end":22.235,"sentiment":"neutral","sentiment_score":-0.0010344702750444412},{"text":"Yeah.","start":22.375,"end":22.775,"sentiment":"neutral","sentiment_score":0.011277456767857076},{"text":"Yeah.","start":22.775,"end":23.095001,"sentiment":"neutral","sentiment_score":0.01912311464548111},{"text":"That's okay.","start":23.095001,"end":23.495,"sentiment":"neutral","sentiment_score":0.030648387037217617},{"text":"I'm so sorry.","start":23.495,"end":24.135,"sentiment":"neutral","sentiment_score":-0.10854395727316539}],"sentiment":"neutral","sentiment_score":-0.029371124575845897,"num_words":8,"start":21.735,"end":24.135},{"sentences":[{"text":"I didn't actually get that email to you just now.","start":24.135,"end":26.135,"sentiment":"neutral","sentiment_score":-0.11148188412189483},{"text":"I do apologize.","start":26.135,"end":26.875,"sentiment":"neutral","sentiment_score":-0.11077984670797984},{"text":"Yeah.","start":29.369999,"end":29.869999,"sentiment":"neutral","sentiment_score":-0.007714859209954739},{"text":"No.","start":31.289999,"end":31.529999,"sentiment":"neutral","sentiment_score":0.0006127320230007172},{"text":"That's absolutely fine.","start":31.529999,"end":33.13,"sentiment":"neutral","sentiment_score":0.1960682471593221}],"sentiment":"neutral","sentiment_score":-0.04811420928065976,"num_words":18,"start":24.135,"end":33.13},{"sentences":[{"text":"This is a nice easy one.","start":33.13,"end":34.73,"sentiment":"positive","sentiment_score":0.5314001341660818},{"text":"So I'll...","start":34.73,"end":35.55,"sentiment":"neutral","sentiment_score":0.09626802429556847},{"text":"Did you...","start":36.01,"end":36.829998,"sentiment":"neutral","sentiment_score":0.008576718624681234},{"text":"Are you able to access your email there just to open the document with me as well?","start":36.89,"end":41.145,"sentiment":"neutral","sentiment_score":0.01058576869613984},{"text":"If you can't, that's okay.","start":44.345,"end":45.625,"sentiment":"neutral","sentiment_score":-0.028111689165234564}],"sentiment":"neutral","sentiment_score":0.10742155977641232,"num_words":32,"start":33.13,"end":45.625},{"sentences":[{"text":"I can just run you through it.","start":45.625,"end":47.325,"sentiment":"neutral","sentiment_score":0.02288915855543954},{"text":"It is.","start":57.36,"end":60.52667,"sentiment":"neutral","sentiment_score":-0.006329009309411049},{"text":"Yeah.","start":62.693333,"end":63.193333,"sentiment":"neutral","sentiment_score":0.016735762357711792},{"text":"Oh, no.","start":65.36,"end":65.76,"sentiment":"neutral","sentiment_score":-0.011189888697117567},{"text":"This is just coming through now to you.","start":65.76,"end":68.705,"sentiment":"neutral","sentiment_score":0.01520335697568953}],"sentiment":"neutral","sentiment_score":0.01317744660191238,"num_words":20,"start":45.625,"end":68.705},{"sentences":[{"text":"That's alright.","start":70.925,"end":71.745,"sentiment":"neutral","sentiment_score":0.0886378176510334},{"text":"How's everything been going for you since since we last caught up?","start":71.885,"end":75.425,"sentiment":"neutral","sentiment_score":0.1187682735423247},{"text":"Fantastic.","start":79.565,"end":80.065,"sentiment":"positive","sentiment_score":0.7524862885475159},{"text":"Congratulations.","start":80.604996,"end":81.104996,"sentiment":"positive","sentiment_score":0.7369972467422485},{"text":"That is good.","start":82.49,"end":83.47,"sentiment":"positive","sentiment_score":0.6596794327100118}],"sentiment":"neutral","sentiment_score":0.266895618485777,"num_words":19,"start":70.925,"end":83.47},{"sentences":[{"text":"One less thing to worry about.","start":84.25,"end":85.869995,"sentiment":"neutral","sentiment_score":0.26252589871486026},{"text":"And the last thing we were sort of talking about was that you're also down the track looking in a few months and maybe you could drop in hours.","start":86.25,"end":92.09,"sentiment":"neutral","sentiment_score":0.06632939649039302},{"text":"Is that the next thing on your list to look at doing?","start":92.09,"end":94.57,"sentiment":"neutral","sentiment_score":0.04621146013960242},{"text":"Or yeah.","start":94.57,"end":104.405,"sentiment":"neutral","sentiment_score":0.009305743966251612},{"text":"Yeah.","start":105.024994,"end":105.524994,"sentiment":"neutral","sentiment_score":0.03466663509607315}],"sentiment":"neutral","sentiment_score":0.08213047070428729,"num_words":50,"start":84.25,"end":105.524994},{"sentences":[{"text":"Oh, wow.","start":106.625,"end":107.524994,"sentiment":"neutral","sentiment_score":0.04463440738618374},{"text":"No.","start":107.744995,"end":107.98499,"sentiment":"neutral","sentiment_score":-0.021933667361736298},{"text":"Well, do let me know how you go with that one and if you, you know, you decide to go, we can go through and update everything for you.","start":107.98499,"end":113.78,"sentiment":"neutral","sentiment_score":0.0852414103032186},{"text":"With this advice document here...","start":115.119995,"end":117.21999,"sentiment":"neutral","sentiment_score":0.01508176401257515},{"text":"Also, before I jump into everything, I do have to let you know I record our calls for quality and training purposes.","start":117.52,"end":122.479996,"sentiment":"neutral","sentiment_score":0.02637254091149027}],"sentiment":"neutral","sentiment_score":0.054151538412197164,"num_words":59,"start":106.625,"end":122.479996},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":122.479996,"end":124.275,"sentiment":"neutral","sentiment_score":0.1094669145014551},{"text":"Beautiful.","start":126.515,"end":127.015,"sentiment":"neutral","sentiment_score":-0.1407497227191925},{"text":"I've had a kind of trouble with OdoSign lately.","start":129.315,"end":131.955,"sentiment":"neutral","sentiment_score":-0.19279134439097512},{"text":"It sometimes comes through on some devices, not others.","start":131.955,"end":135.075,"sentiment":"neutral","sentiment_score":-0.18625107242001426},{"text":"It takes longer on some devices.","start":135.075,"end":136.835,"sentiment":"neutral","sentiment_score":-0.22232894351085028}],"sentiment":"neutral","sentiment_score":-0.11473243836970891,"num_words":34,"start":122.479996,"end":136.835},{"sentences":[{"text":"I don't know if it's OdoSign itself or if it's just the Internet connection between the devices.","start":136.835,"end":143.45999,"sentiment":"neutral","sentiment_score":-0.14528726304278655},{"text":"I can.","start":164.92499,"end":165.665,"sentiment":"neutral","sentiment_score":-0.0007258430123329163},{"text":"Yep.","start":165.72499,"end":166.22499,"sentiment":"neutral","sentiment_score":0.00250828405842185},{"text":"I can.","start":167.20001,"end":167.6,"sentiment":"neutral","sentiment_score":-0.004069802816957235},{"text":"I've just got to...","start":167.6,"end":168.74,"sentiment":"neutral","sentiment_score":-0.04961650352925062}],"sentiment":"neutral","sentiment_score":-0.10290124974786662,"num_words":26,"start":136.835,"end":168.74},{"sentences":[{"text":"Oh, I've gotta redo the whole new...","start":168.96,"end":170.82,"sentiment":"neutral","sentiment_score":-0.11464397236704826},{"text":"No.","start":171.12001,"end":171.28001,"sentiment":"neutral","sentiment_score":-0.09349556267261504},{"text":"That's okay.","start":171.28001,"end":171.84001,"sentiment":"neutral","sentiment_score":-0.045083967968821526},{"text":"I've got it a whole new...","start":171.84001,"end":173.3,"sentiment":"neutral","sentiment_score":-0.04516717046499252},{"text":"Is it coming through?","start":173.52,"end":174.32,"sentiment":"neutral","sentiment_score":-0.04209440108388662}],"sentiment":"neutral","sentiment_score":-0.07127759661525487,"num_words":20,"start":168.96,"end":174.32},{"sentences":[{"text":"Because I could just reply back to do some of the copy of it for you until it pops through.","start":174.32,"end":178.695,"sentiment":"neutral","sentiment_score":-0.03596715610474348},{"text":"Nothing as of yet?","start":195.46,"end":196.68001,"sentiment":"neutral","sentiment_score":-0.05470127519220114},{"text":"That sounds like it has come through.","start":200.74,"end":202.58,"sentiment":"neutral","sentiment_score":0.053076024034193585},{"text":"That's a positive sign.","start":202.58,"end":203.86,"sentiment":"neutral","sentiment_score":0.13944556936621666},{"text":"Yep.","start":203.86,"end":204.36,"sentiment":"neutral","sentiment_score":0.008386891335248947}],"sentiment":"neutral","sentiment_score":-0.000012413495116763645,"num_words":36,"start":174.32,"end":204.36},{"sentences":[{"text":"And when you go forward, it should bring up the statement of advice with your name on the front.","start":207.43501,"end":211.595,"sentiment":"neutral","sentiment_score":0.029609370976686478},{"text":"Is that the right one you're seeing?","start":211.595,"end":213.21501,"sentiment":"neutral","sentiment_score":0.012369210199852074},{"text":"Yep.","start":215.51501,"end":215.99501,"sentiment":"neutral","sentiment_score":0.03346402198076248},{"text":"Beautiful.","start":215.99501,"end":216.49501,"sentiment":"positive","sentiment_score":0.484994500875473},{"text":"Fantastic.","start":216.79501,"end":217.29501,"sentiment":"positive","sentiment_score":0.5864462852478027}],"sentiment":"neutral","sentiment_score":0.06048508027793262,"num_words":29,"start":207.43501,"end":217.29501},{"sentences":[{"text":"Yep.","start":218.71501,"end":219.195,"sentiment":"neutral","sentiment_score":0.08974000066518784},{"text":"Beautiful.","start":219.195,"end":219.695,"sentiment":"positive","sentiment_score":0.4180062413215637},{"text":"All good.","start":220.15501,"end":220.895,"sentiment":"positive","sentiment_score":0.43104952573776245},{"text":"Excellent.","start":222.04001,"end":222.54001,"sentiment":"neutral","sentiment_score":0.2914924919605255},{"text":"So what I'll do on the front...","start":223.08,"end":224.68001,"sentiment":"neutral","sentiment_score":-0.007616530970803329}],"sentiment":"neutral","sentiment_score":0.1340018390522649,"num_words":12,"start":218.71501,"end":224.68001},{"sentences":[{"text":"No.","start":224.68001,"end":224.92,"sentiment":"neutral","sentiment_score":-0.0737650990486145},{"text":"You're absolutely fine.","start":224.92,"end":226.54001,"sentiment":"neutral","sentiment_score":0.008363531902432442},{"text":"Essentially, with this one here, we were looking at super.","start":227.64,"end":230.12001,"sentiment":"neutral","sentiment_score":-0.008592029102146626},{"text":"We did sort of note in the last review that there's some underperforming investments.","start":230.12001,"end":233.72,"sentiment":"neutral","sentiment_score":-0.04839094408920833},{"text":"So I went back and had a look at the super as well as the investments within that to see how we can get things working a little bit harder for you.","start":233.72,"end":240.405,"sentiment":"neutral","sentiment_score":-0.05866016761865467}],"sentiment":"neutral","sentiment_score":-0.04481988959014416,"num_words":60,"start":224.68001,"end":240.405},{"sentences":[{"text":"Also, looking at trying to reduce any fees within the funds there for you as well.","start":240.405,"end":244.485,"sentiment":"neutral","sentiment_score":0.005187989678233862},{"text":"So this advice document has been prepared for yourself with today's date.","start":244.485,"end":248.645,"sentiment":"neutral","sentiment_score":0.18002617234985033},{"text":"That all of our advice is valid for six days.","start":248.645,"end":250.98999,"sentiment":"neutral","sentiment_score":0.18468835204839706},{"text":"You can take some time to read it later on if you wish to.","start":250.98999,"end":254.05,"sentiment":"neutral","sentiment_score":0.18082840527806962},{"text":"And on the bottom there, it's got my authorized representative number as a licensed financial adviser for you as well.","start":254.43,"end":260.03,"sentiment":"neutral","sentiment_score":0.16978619657456875}],"sentiment":"neutral","sentiment_score":0.13913231984608704,"num_words":72,"start":240.405,"end":260.03},{"sentences":[{"text":"Okay.","start":260.03,"end":260.53,"sentiment":"neutral","sentiment_score":0.14427945017814636},{"text":"As you do kind of scroll through the pages there, we have the best interest to the outline, the table of contents, and the scoping in and out areas.","start":261.87,"end":269.595,"sentiment":"neutral","sentiment_score":0.14592855860447063},{"text":"So this one here is limited to superannuation, and I've also included the estate planning in there just to have all your beneficiaries updated to legal personal representative.","start":269.595,"end":279.855,"sentiment":"neutral","sentiment_score":0.1328889900552375},{"text":"So in the event that something occurs or happens to yourself so that Kelly can still receive the funds, we talked about having it passed through your estate going to Hayden who can then...","start":280.075,"end":290.37003,"sentiment":"neutral","sentiment_score":0.07425916855059125},{"text":"Oh, sorry.","start":290.37003,"end":290.77002,"sentiment":"neutral","sentiment_score":-0.02084544114768505}],"sentiment":"neutral","sentiment_score":0.11255553425190613,"num_words":94,"start":260.03,"end":290.77002},{"sentences":[{"text":"Going to Michael and controlled by Hayden for the preference of Michael.","start":290.77002,"end":296.53,"sentiment":"neutral","sentiment_score":-0.01978232750358681},{"text":"Yeah.","start":296.53,"end":297.03,"sentiment":"neutral","sentiment_score":0.004716024734079838},{"text":"Sorry.","start":297.49002,"end":297.99002,"sentiment":"neutral","sentiment_score":-0.027201034128665924},{"text":"Yeah.","start":300.185,"end":300.665,"sentiment":"neutral","sentiment_score":0.1840683221817017},{"text":"Beautiful.","start":300.665,"end":301.145,"sentiment":"positive","sentiment_score":0.35770726203918457}],"sentiment":"neutral","sentiment_score":0.017618915298953652,"num_words":16,"start":290.77002,"end":301.145},{"sentences":[{"text":"So maybe because it...","start":301.145,"end":302.185,"sentiment":"neutral","sentiment_score":0.14018476381897926},{"text":"You know, it was all not not ending up controlled by Hayden that Michael will be able to receive the funds to your brother so that, you know, he could support Kelly's needs and make sure that he was supportive financially longer term there.","start":302.185,"end":313.88,"sentiment":"neutral","sentiment_score":0.13594735752452503},{"text":"So just kind of breaking that down, and that is the last section in here for you.","start":313.88,"end":318.94,"sentiment":"neutral","sentiment_score":0.09097272157669067},{"text":"I have scoped out any other additional areas like insurances, cash flow and budgeting, Social Security, and any debt related advice.","start":319.63998,"end":329.085,"sentiment":"neutral","sentiment_score":0.07640052329571474},{"text":"And I'm not providing advice on the retirement drawdown aspect at the moment either just because you're too young for that.","start":329.085,"end":334.845,"sentiment":"neutral","sentiment_score":-0.3142579724746091}],"sentiment":"neutral","sentiment_score":0.02891544505048578,"num_words":107,"start":301.145,"end":334.845},{"sentences":[{"text":"That's something we need to look at when you get a bit closer to retiring, and we'll absolutely look at that for you then.","start":334.845,"end":340.54498,"sentiment":"neutral","sentiment_score":-0.09937170530611183},{"text":"Okay.","start":340.60498,"end":341.1,"sentiment":"neutral","sentiment_score":-0.107402965426445},{"text":"Look.","start":343.9,"end":344.22,"sentiment":"neutral","sentiment_score":-0.116799995303154},{"text":"We always forget everything back in the back end.","start":344.22,"end":346.72,"sentiment":"neutral","sentiment_score":-0.14511438873079088},{"text":"It's just a little bit too close to...","start":347.02002,"end":349.34,"sentiment":"neutral","sentiment_score":-0.16135229729115963}],"sentiment":"neutral","sentiment_score":-0.12106911081355065,"num_words":43,"start":334.845,"end":349.34},{"sentences":[{"text":"It's it's too far away at the moment to be able to put that into an advice document.","start":349.34,"end":353.36002,"sentiment":"neutral","sentiment_score":-0.306994740333822},{"text":"It has looked very nice.","start":353.445,"end":354.64502,"sentiment":"positive","sentiment_score":0.44676620587706567},{"text":"It'll probably come out saying you're gonna have about $4,000,000 at the end of the the time frame, which is great, but market conditions and changes to your circumstances have a much bigger effect than that.","start":354.64502,"end":364.725,"sentiment":"neutral","sentiment_score":0.020731922652986314},{"text":"So I limit that for the time being.","start":364.725,"end":367.14502,"sentiment":"neutral","sentiment_score":-0.018291387939825654},{"text":"If...","start":369.38,"end":369.88,"sentiment":"neutral","sentiment_score":0.0371892973780632}],"sentiment":"neutral","sentiment_score":-0.03904216010671328,"num_words":68,"start":349.34,"end":369.88},{"sentences":[{"text":"Yeah.","start":370.18,"end":370.68,"sentiment":"neutral","sentiment_score":0.025953933596611023},{"text":"So that I don't take up all of your lunch break, if you can go to page 16 for me, I'll take you to the recommendations that I've made.","start":371.22,"end":378.2,"sentiment":"neutral","sentiment_score":0.01998188907023648},{"text":"Sixteen.","start":385.54498,"end":386.04498,"sentiment":"neutral","sentiment_score":0.008104274980723858},{"text":"Yeah.","start":386.185,"end":386.50497,"sentiment":"neutral","sentiment_score":0.01767493411898613},{"text":"It's...","start":386.50497,"end":387.00497,"sentiment":"neutral","sentiment_score":0.012567438185214996}],"sentiment":"neutral","sentiment_score":0.01950834436116345,"num_words":33,"start":370.18,"end":387.00497},{"sentences":[{"text":"The heading should say strategy recommendation.","start":387.065,"end":389.245,"sentiment":"neutral","sentiment_score":0.016000972129404545},{"text":"Beautiful.","start":397.54,"end":398.04,"sentiment":"positive","sentiment_score":0.526029646396637},{"text":"So with this one here, Catherine, I did look at BC Panorama where you are currently with your super as opposed to any other funds out there.","start":398.34,"end":406.36,"sentiment":"neutral","sentiment_score":0.12795952307405295},{"text":"There were other funds that did have lower administration fees.","start":406.58,"end":408.42728,"sentiment":"neutral","sentiment_score":0.03218897804617882},{"text":"However, when I had a look at moving you consequences were gonna be too high.","start":408.42728,"end":416.255,"sentiment":"neutral","sentiment_score":-0.14848506649335225}],"sentiment":"neutral","sentiment_score":0.036806040427694885,"num_words":59,"start":387.065,"end":416.255},{"sentences":[{"text":"So, realistically, what I look at is when we sell down your entire portfolio and move you to somewhere else, we essentially note that the CDT comes off your balance, and we have to find a way to be able to make that back nice and quickly.","start":416.255,"end":431.45,"sentiment":"neutral","sentiment_score":0.028285128242791967},{"text":"Realistically, it didn't work out into your benefit to do so.","start":431.99,"end":435.53,"sentiment":"neutral","sentiment_score":-0.04063248397274451},{"text":"So remaining within BT actually works in your favor.","start":436.15,"end":439.545,"sentiment":"neutral","sentiment_score":0.24621784852610695},{"text":"Because of the capital losses that have been received by Ben along being an underperforming investment, I was able to alter your portfolio and offset any gains by the loss that had already been received by the underperforming investment.","start":439.785,"end":453.165,"sentiment":"neutral","sentiment_score":0.0781570512514848},{"text":"So it actually means that with making the alterations and keeping you in the BT product, there's no capital gains consequences for your super, which will be a benefit to you.","start":453.225,"end":464.05002,"sentiment":"neutral","sentiment_score":0.18081658309505833}],"sentiment":"neutral","sentiment_score":0.08577987894307088,"num_words":137,"start":416.255,"end":464.05002},{"sentences":[{"text":"Excellent.","start":465.95,"end":466.45,"sentiment":"positive","sentiment_score":0.41179394721984863},{"text":"I'll...","start":467.15,"end":467.65,"sentiment":"neutral","sentiment_score":0.174391508102417},{"text":"That's kind of just outlining the reasoning and the best interest for retaining you in the fund that you are currently.","start":468.405,"end":474.105,"sentiment":"neutral","sentiment_score":0.16603535058952512},{"text":"If you go down, you'll see there are advantages, disadvantages, and risks involved, and now alternatives that have been considered as well.","start":474.965,"end":482.58502,"sentiment":"neutral","sentiment_score":-0.0010018783875487068},{"text":"If you go down to page 21 for me, I'll take you through a little bit more around the reasoning.","start":483.65,"end":488.95,"sentiment":"neutral","sentiment_score":0.06538429940119386}],"sentiment":"neutral","sentiment_score":0.08243957663384768,"num_words":65,"start":465.95,"end":488.95},{"sentences":[{"text":"Beautiful.","start":494.45,"end":494.95,"sentiment":"positive","sentiment_score":0.6234523057937622},{"text":"So you'll see here with the current...","start":495.875,"end":497.63498,"sentiment":"neutral","sentiment_score":0.12230278551578522},{"text":"It's got your current balance there of 285,047.","start":497.63498,"end":503.79498,"sentiment":"neutral","sentiment_score":0.12685067672282457},{"text":"Within BC Panorama, you've also got admin fees, investment fees, and any other fees applicable to fund contributions and insurance premiums currently coming out there as well.","start":503.79498,"end":513.39,"sentiment":"neutral","sentiment_score":0.1623287907353154},{"text":"With the recommended, your balance will stay exactly as it is now because there are no CGT consequences because we've been able to offset any gains to changing a portfolio by the losses that have been seen already by Benelon, which is a positive thing.","start":514.73,"end":529.635,"sentiment":"positive","sentiment_score":0.5165973706377878}],"sentiment":"positive","sentiment_score":0.3423197300766002,"num_words":88,"start":494.45,"end":529.635},{"sentences":[{"text":"With BT, we're changing the portfolio.","start":530.815,"end":533.075,"sentiment":"neutral","sentiment_score":0.20677350213130316},{"text":"It does mean altering the cash percentage, so it does mean the admin fees do go up slightly by about $25.","start":533.29504,"end":539.955,"sentiment":"neutral","sentiment_score":0.18146583296003796},{"text":"But your investment fees changed significantly.","start":540.58,"end":543.0,"sentiment":"neutral","sentiment_score":0.2244018204510212},{"text":"The newer portfolio is a lot cheaper.","start":543.22,"end":545.56,"sentiment":"positive","sentiment_score":0.4581851065158844},{"text":"It's actually reducing your admin fees...","start":546.02,"end":548.12,"sentiment":"neutral","sentiment_score":0.2300871635476748}],"sentiment":"neutral","sentiment_score":0.2388185468380866,"num_words":46,"start":530.815,"end":548.12},{"sentences":[{"text":"So investment fees to $589.","start":548.18,"end":550.89996,"sentiment":"neutral","sentiment_score":0.19363185167312622},{"text":"So it's saving you 1,140 for the 30 on investment fees.","start":550.89996,"end":556.04,"sentiment":"positive","sentiment_score":0.356356454166499},{"text":"And when I look at the the difference with increasing your admin fees with the reduction of investment fees all up, you're saving over $1,115 in fees.","start":556.23505,"end":566.075,"sentiment":"neutral","sentiment_score":0.2753842569611691},{"text":"So it did work out a lot better to do this switch, and there's no CGT consequences, so it does work in your benefit, which again is a positive thing.","start":566.075,"end":574.77997,"sentiment":"positive","sentiment_score":0.5823933482170105},{"text":"The ongoing service fee remains.","start":577.07996,"end":578.83997,"sentiment":"positive","sentiment_score":0.4031186103820801}],"sentiment":"positive","sentiment_score":0.40783139346883845,"num_words":78,"start":548.18,"end":578.83997},{"sentences":[{"text":"It does just decrease just slightly, which is a positive thing as well, saves you expected about $85 and net contributions going in.","start":578.83997,"end":586.515,"sentiment":"positive","sentiment_score":0.45041254033213074},{"text":"And then we've also got insurance payments remaining the same with this one.","start":586.515,"end":590.135,"sentiment":"neutral","sentiment_score":0.15294842020823404},{"text":"When I looked at how the investors have been performing and whilst your portfolio has been receiving some great returns, over the past sort of five year rolling average, the current portfolio sort of been generating an average about 5.56%.","start":590.835,"end":605.27997,"sentiment":"neutral","sentiment_score":0.17731089554727078},{"text":"So I wasn't overly impressed with that.","start":605.27997,"end":607.27997,"sentiment":"neutral","sentiment_score":-0.12129294872283936},{"text":"We wanna get those returns as high as possible.","start":607.27997,"end":609.7,"sentiment":"neutral","sentiment_score":0.28364262481530506}],"sentiment":"neutral","sentiment_score":0.22982594233168208,"num_words":92,"start":578.83997,"end":609.7},{"sentences":[{"text":"This year is definitely having quite an effect on the market as a whole and the returns as a whole, but still making sure that we can make the best of any investments that you're in.","start":610.045,"end":619.745,"sentiment":"positive","sentiment_score":0.4304419867694378},{"text":"So the newer portfolio has averaged about 10.71% there, so we wanna try and get the best we can.","start":620.28503,"end":626.64,"sentiment":"neutral","sentiment_score":0.30985907739714574},{"text":"And this newer portfolio shows that it has performed better.","start":626.7,"end":629.82,"sentiment":"positive","sentiment_score":0.614310359954834},{"text":"It can generate much better returns even in a volatile environment like it has been over the past couple of years there.","start":629.82,"end":636.4,"sentiment":"positive","sentiment_score":0.6168871413577687},{"text":"With the projections underneath that, you'll see with the current portfolio, the current scenario, if it's able to...","start":638.855,"end":645.355,"sentiment":"neutral","sentiment_score":0.16539326972431606}],"sentiment":"positive","sentiment_score":0.41976127198764257,"num_words":105,"start":610.045,"end":645.355},{"sentences":[{"text":"What it has over the past of the five years, you're expected to end up with about 333 and 5 thou...","start":645.735,"end":652.04004,"sentiment":"neutral","sentiment_score":0.06010192668154126},{"text":"Five years, sorry, or a little over 383,000 in ten years there.","start":652.10004,"end":656.9,"sentiment":"neutral","sentiment_score":0.029680173844099045},{"text":"So with the newer portfolio recommended fee savings for you as well and also the much better past performance, you can see yourself in a much greater position over the next five to ten years, which is exactly what I would like to see happen for you.","start":656.9,"end":670.645,"sentiment":"positive","sentiment_score":0.4850750796972437},{"text":"Yeah.","start":670.86505,"end":671.36505,"sentiment":"neutral","sentiment_score":0.21855907142162323},{"text":"Yes.","start":680.16,"end":680.48,"sentiment":"neutral","sentiment_score":-0.0490570142865181}],"sentiment":"neutral","sentiment_score":0.29983333352862335,"num_words":82,"start":645.735,"end":680.48},{"sentences":[{"text":"This is...","start":680.48,"end":681.22,"sentiment":"neutral","sentiment_score":-0.0392379779368639},{"text":"No.","start":682.16,"end":682.66,"sentiment":"neutral","sentiment_score":-0.05464895814657211},{"text":"Yes.","start":682.88,"end":683.36,"sentiment":"neutral","sentiment_score":0.015510154888033869},{"text":"This is basically saying if this portfolio can obtain about a 10.71% over the next five years on a regular basis, which is pretty average for a portfolio.","start":683.36,"end":692.765,"sentiment":"neutral","sentiment_score":0.16105242080188223},{"text":"A lot of portfolios, you know, one year we might expect or be able to get, you know, a 15 or 20% return.","start":693.705,"end":699.625,"sentiment":"neutral","sentiment_score":0.1602516209949618}],"sentiment":"neutral","sentiment_score":0.14686618738553742,"num_words":55,"start":680.48,"end":699.625},{"sentences":[{"text":"Another year, it could be a 4% return.","start":699.625,"end":701.625,"sentiment":"neutral","sentiment_score":0.11350795719772577},{"text":"Another year, it could be 10 or 11 or 12.","start":701.625,"end":703.78503,"sentiment":"neutral","sentiment_score":0.06350822933018208},{"text":"So it's the same...","start":703.78503,"end":705.18,"sentiment":"neutral","sentiment_score":0.077613964676857},{"text":"It's the same average that it has been able to obtain, and this has been in a pretty volatile environment.","start":705.18,"end":710.31995,"sentiment":"neutral","sentiment_score":0.08803409263491631},{"text":"This portfolio, while I don't expect this exact return every year, could average this over the next sort of five years given the ups and downs, and it could show you in a much better position there.","start":710.45996,"end":722.295,"sentiment":"neutral","sentiment_score":0.03324856035209991}],"sentiment":"neutral","sentiment_score":0.06132253664958326,"num_words":79,"start":699.625,"end":722.295},{"sentences":[{"text":"One of the main things that I do sort of would look at changing is if you do happen to reduce your hours and do kinda go back into part time work, then we will come back and definitely revisit a lot of this because that will affect your insurances, and that will also change the contributions going in.","start":722.435,"end":739.33,"sentiment":"neutral","sentiment_score":-0.004790486483755759},{"text":"So that could have a a longer term effect on the projected outcome.","start":739.33,"end":742.85,"sentiment":"neutral","sentiment_score":0.012118625239684032},{"text":"So if that's the case, we'll definitely come back and reevaluate where things are at for you.","start":742.85,"end":747.89,"sentiment":"neutral","sentiment_score":0.02979442077305387},{"text":"Okay?","start":747.89,"end":748.39,"sentiment":"neutral","sentiment_score":-0.0008173976093530655},{"text":"Yeah.","start":751.715,"end":752.215,"sentiment":"neutral","sentiment_score":-0.0012351460754871368}],"sentiment":"neutral","sentiment_score":0.004168747637707453,"num_words":91,"start":722.435,"end":752.215},{"sentences":[{"text":"Yeah.","start":754.515,"end":755.015,"sentiment":"neutral","sentiment_score":-0.001377004198729992},{"text":"Absolutely.","start":761.155,"end":761.655,"sentiment":"neutral","sentiment_score":0.059399332851171494},{"text":"Yeah.","start":762.115,"end":762.615,"sentiment":"neutral","sentiment_score":0.05761043727397919},{"text":"Absolutely.","start":762.675,"end":763.175,"sentiment":"neutral","sentiment_score":0.10051457583904266},{"text":"If you have a look...","start":764.57,"end":765.79,"sentiment":"neutral","sentiment_score":-0.001116793230175972}],"sentiment":"neutral","sentiment_score":0.023395930623842612,"num_words":9,"start":754.515,"end":765.79},{"sentences":[{"text":"Absolutely.","start":766.97,"end":767.47,"sentiment":"neutral","sentiment_score":0.03181278705596924},{"text":"Yeah.","start":771.37,"end":771.87,"sentiment":"neutral","sentiment_score":-0.020611615851521492},{"text":"Yeah.","start":772.01,"end":772.41,"sentiment":"neutral","sentiment_score":-0.008942309767007828},{"text":"One of those things.","start":772.41,"end":773.13,"sentiment":"neutral","sentiment_score":-0.028758805710822344},{"text":"And and so that doesn't help with everything going up and the fuel going back up in price again, and the cost of living is just phenomenal.","start":773.13,"end":780.20496,"sentiment":"neutral","sentiment_score":-0.030582901228357245}],"sentiment":"neutral","sentiment_score":-0.027603373369749856,"num_words":34,"start":766.97,"end":780.20496},{"sentences":[{"text":"Yeah.","start":791.43,"end":791.83,"sentiment":"neutral","sentiment_score":-0.035011664032936096},{"text":"Yeah.","start":791.83,"end":792.33,"sentiment":"neutral","sentiment_score":0.007112637162208557},{"text":"Yeah.","start":792.71,"end":792.95,"sentiment":"neutral","sentiment_score":0.023863710463047028},{"text":"It's a big one.","start":792.95,"end":793.83,"sentiment":"neutral","sentiment_score":0.040958712343126535},{"text":"It's like it's it's a good idea and all, but then the upfront cost, and is there another loan, and the interest on the loan, and the long term effect of those sorts of things?","start":793.83,"end":806.66504,"sentiment":"neutral","sentiment_score":-0.026038232126406262}],"sentiment":"neutral","sentiment_score":-0.017893775987128418,"num_words":42,"start":791.43,"end":806.66504},{"sentences":[{"text":"Yeah.","start":806.66504,"end":807.16504,"sentiment":"neutral","sentiment_score":-0.020745154470205307},{"text":"Yeah.","start":811.625,"end":812.125,"sentiment":"neutral","sentiment_score":-0.0317465215921402},{"text":"Yeah.","start":812.505,"end":813.005,"sentiment":"neutral","sentiment_score":-0.043881017714738846},{"text":"Beautiful.","start":818.37994,"end":818.87994,"sentiment":"positive","sentiment_score":0.5571393370628357},{"text":"That's that's okay.","start":819.33997,"end":820.37994,"sentiment":"positive","sentiment_score":0.3854101598262787}],"sentiment":"neutral","sentiment_score":0.23099958896636963,"num_words":7,"start":806.66504,"end":820.37994},{"sentences":[{"text":"Just keep keep going and chatting with me.","start":820.37994,"end":822.62,"sentiment":"neutral","sentiment_score":0.14836388174444437},{"text":"If there's anything research wise you want me to sort of look at for you, just let me know.","start":822.62,"end":826.37994,"sentiment":"neutral","sentiment_score":0.09243395121608812},{"text":"I'm always happy to jump in and see what I can help you with.","start":826.37994,"end":829.44,"sentiment":"positive","sentiment_score":0.7584967315196991},{"text":"Do you see?","start":829.64496,"end":830.46497,"sentiment":"positive","sentiment_score":0.40017496546109516},{"text":"That's okay.","start":831.40497,"end":832.14496,"sentiment":"neutral","sentiment_score":0.2410166710615158}],"sentiment":"neutral","sentiment_score":0.3314058392792029,"num_words":46,"start":820.37994,"end":832.14496},{"sentences":[{"text":"If you go down to page number 22, this sort of shows you the difference in the two portfolios with the current and the recommended and how they have kind of performed over the past twelve months, three years, and five years.","start":832.925,"end":844.605,"sentiment":"neutral","sentiment_score":0.07513541337989625},{"text":"So you can see quite a bit of a difference, but you can sort of see with the recommended portfolio, and this is including this year, which has had quite a lot of volatility in it, that this portfolio can generate higher than 10% returns, and it's sort of averaged around about that 10 to 14% on a yearly basis.","start":844.605,"end":862.185,"sentiment":"neutral","sentiment_score":0.17335661922891935},{"text":"So it's not doing too bad at all.","start":862.245,"end":864.805,"sentiment":"neutral","sentiment_score":0.2731627505272627},{"text":"It does have potential to get much greater returns.","start":864.805,"end":867.445,"sentiment":"positive","sentiment_score":0.4213803211847941},{"text":"It's just looking at, you know, what it's done over the past with the ups and downs that we've been going through in the last sort of five years, essentially.","start":867.445,"end":874.75,"sentiment":"neutral","sentiment_score":0.050802440072099365}],"sentiment":"neutral","sentiment_score":0.1413347826358056,"num_words":149,"start":832.925,"end":874.75},{"sentences":[{"text":"Excellent.","start":876.81,"end":877.31,"sentiment":"positive","sentiment_score":0.4021578431129456},{"text":"If you go down to page 23, this is essentially the change in the investments that I wanted to sort of show you.","start":877.77,"end":884.99005,"sentiment":"neutral","sentiment_score":0.05455597522466079},{"text":"This is the page that everyone really some people like to look at, some people go, no.","start":885.53,"end":890.055,"sentiment":"neutral","sentiment_score":-0.07014092408558902},{"text":"I'm not that interested.","start":890.055,"end":891.115,"sentiment":"neutral","sentiment_score":-0.2728399187326431},{"text":"Yeah.","start":895.735,"end":896.13495,"sentiment":"neutral","sentiment_score":-0.01808476075530052}],"sentiment":"neutral","sentiment_score":-0.0140194537361031,"num_words":46,"start":876.81,"end":896.13495},{"sentences":[{"text":"No.","start":896.13495,"end":896.375,"sentiment":"neutral","sentiment_score":-0.0359976552426815},{"text":"Honestly, it is a lot, but it's honestly really easy.","start":896.375,"end":899.815,"sentiment":"neutral","sentiment_score":0.09774750568903982},{"text":"So what you're sort of looking at there is the first line is your current investments as well as anything that we wanna put into the portfolio.","start":899.815,"end":906.45,"sentiment":"neutral","sentiment_score":0.06583437364962366},{"text":"The ACI, our code, you don't have to worry about that.","start":906.91003,"end":909.15,"sentiment":"neutral","sentiment_score":0.1333401216702028},{"text":"It's a formality for us so we understand what investments they've put you in.","start":909.15,"end":913.25,"sentiment":"neutral","sentiment_score":0.10516758609030928}],"sentiment":"neutral","sentiment_score":0.08981100053689073,"num_words":63,"start":896.13495,"end":913.25},{"sentences":[{"text":"You've got your current weighting.","start":913.63,"end":915.25,"sentiment":"neutral","sentiment_score":0.08947506397962571},{"text":"So your current percentage of the investment you have in the portfolio currently and then your current balance in that portfolio currently as well.","start":915.565,"end":923.10504,"sentiment":"neutral","sentiment_score":0.07321022854497035},{"text":"With the buy sales we have here, so, essentially, you've got about 13% in physical gold at the moment.","start":923.565,"end":929.97,"sentiment":"neutral","sentiment_score":0.05205537202326875},{"text":"You're a bit overexposed, so you wanna cement some of the gains and rebalance you back.","start":929.97,"end":934.93,"sentiment":"neutral","sentiment_score":-0.010033530357759446},{"text":"So bring you back to 10% there.","start":934.93,"end":937.00995,"sentiment":"neutral","sentiment_score":0.09337275954229492}],"sentiment":"neutral","sentiment_score":0.05192317893649911,"num_words":71,"start":913.63,"end":937.00995},{"sentences":[{"text":"Okay?","start":937.00995,"end":937.50995,"sentiment":"neutral","sentiment_score":0.09779049456119536},{"text":"The Benelon concentrated Australian equities, that is going completely because it has been under performing, not doing well at all right now.","start":939.08997,"end":946.28503,"sentiment":"neutral","sentiment_score":-0.125757869544693},{"text":"So we're just removing that wholly from your portfolio.","start":946.28503,"end":948.705,"sentiment":"neutral","sentiment_score":-0.2648783442046907},{"text":"The Vanguard fixed interest investment, again, is underperforming a little bit.","start":949.72504,"end":953.48505,"sentiment":"negative","sentiment_score":-0.4507362625815652},{"text":"So we are wanting to remove that completely from your portfolio as well.","start":953.48505,"end":957.585,"sentiment":"neutral","sentiment_score":-0.28918256897192735}],"sentiment":"neutral","sentiment_score":-0.24589750032672392,"num_words":56,"start":937.00995,"end":957.585},{"sentences":[{"text":"The beta share cybersecurity, that is a good investment.","start":959.12,"end":962.18,"sentiment":"neutral","sentiment_score":0.30588191747665405},{"text":"Has been a lot of volatility in the market this year, but it is still good to keep within your portfolio there.","start":962.24,"end":967.92,"sentiment":"neutral","sentiment_score":0.06608504056930542},{"text":"You've got about 6.84%.","start":967.92,"end":970.32,"sentiment":"neutral","sentiment_score":0.12537926994264126},{"text":"We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing.","start":970.32,"end":976.29504,"sentiment":"neutral","sentiment_score":0.048229503953321415},{"text":"You've also got the iShares Europe.","start":978.195,"end":980.275,"sentiment":"neutral","sentiment_score":0.11365819225708644}],"sentiment":"neutral","sentiment_score":0.10240195984286922,"num_words":63,"start":959.12,"end":980.275},{"sentences":[{"text":"They're giving you exposure to all the European countries.","start":980.275,"end":983.335,"sentiment":"neutral","sentiment_score":0.11776908404297298},{"text":"It's about 4% there at the moment.","start":984.03503,"end":986.115,"sentiment":"neutral","sentiment_score":0.09561134236199516},{"text":"We wanna hold 8%.","start":986.115,"end":987.48,"sentiment":"neutral","sentiment_score":0.12088432349264622},{"text":"We'll buy a little bit more of that investment for you.","start":987.48,"end":992.12,"sentiment":"neutral","sentiment_score":0.15865069763226944},{"text":"With this bottom one, the European investment, we don't need to hold two investments in Europe.","start":992.12,"end":996.76,"sentiment":"neutral","sentiment_score":0.10035924753174186}],"sentiment":"neutral","sentiment_score":0.11837540598625833,"num_words":47,"start":980.275,"end":996.76},{"sentences":[{"text":"We just gotta hold one.","start":996.76,"end":997.63995,"sentiment":"neutral","sentiment_score":0.1273224413394928},{"text":"It makes them more cost effective as well, so we are gonna remove this one investment out of there for you.","start":997.63995,"end":1003.26,"sentiment":"neutral","sentiment_score":0.11810243058772314},{"text":"We are keeping some Japanese exposure.","start":1004.41504,"end":1006.73505,"sentiment":"neutral","sentiment_score":0.17505454272031784},{"text":"It is what they have done quite well.","start":1006.73505,"end":1008.575,"sentiment":"positive","sentiment_score":0.3994983993470669},{"text":"They were actually very well prepared for this year with the fuel crisis, so we are keeping that well within the portfolio and just wanna hold 5% total for you.","start":1008.575,"end":1018.115,"sentiment":"positive","sentiment_score":0.3383778974413872}],"sentiment":"neutral","sentiment_score":0.25020592319113866,"num_words":70,"start":996.76,"end":1018.115},{"sentences":[{"text":"The next one is the S and P 500.","start":1019.69,"end":1021.85004,"sentiment":"neutral","sentiment_score":0.11937105655670166},{"text":"It's tracking the top 500 companies on The US.","start":1021.85004,"end":1024.5701,"sentiment":"neutral","sentiment_score":0.1197807929582066},{"text":"You're only slightly over invested in that investment at the moment.","start":1024.5701,"end":1028.3301,"sentiment":"neutral","sentiment_score":0.12349691919305107},{"text":"They're selling 2,500 to bring you back to 30% just to be the portfolio.","start":1028.3301,"end":1032.75,"sentiment":"neutral","sentiment_score":0.2698725866419928},{"text":"There is a lot of volatility in The US at the moment, but it is still a positive place to be invested.","start":1033.845,"end":1038.265,"sentiment":"neutral","sentiment_score":0.29051068831573834}],"sentiment":"neutral","sentiment_score":0.2104659094260289,"num_words":65,"start":1019.69,"end":1038.265},{"sentences":[{"text":"Long term, we do still see really good growth coming out of those sort of investments there.","start":1038.565,"end":1043.3049,"sentiment":"positive","sentiment_score":0.4579040057518903},{"text":"The...","start":1045.0449,"end":1045.5449,"sentiment":"neutral","sentiment_score":0.14332227408885956},{"text":"One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment.","start":1045.6849,"end":1051.81,"sentiment":"neutral","sentiment_score":0.22135760164574572},{"text":"This is essentially just giving you exposure to the entire globe minus The US Of A.","start":1051.81,"end":1056.71,"sentiment":"neutral","sentiment_score":0.079888254404068},{"text":"We don't need The US in this investment because we have the S and P 500 above there, but it is giving you exposure to the rest of the globe.","start":1056.77,"end":1064.085,"sentiment":"neutral","sentiment_score":0.1723594143986702}],"sentiment":"neutral","sentiment_score":0.22388529283813682,"num_words":83,"start":1038.565,"end":1064.085},{"sentences":[{"text":"It's looking at emerging markets as well as already established markets on all the exchanges.","start":1064.085,"end":1069.865,"sentiment":"neutral","sentiment_score":0.2208194593588511},{"text":"And one of the biggest things about reducing risk is making sure we diversify as much as possible.","start":1070.6449,"end":1075.83,"sentiment":"positive","sentiment_score":0.35899840626451707},{"text":"So this is one way to do that.","start":1075.83,"end":1077.6699,"sentiment":"positive","sentiment_score":0.4822038970887661},{"text":"It's also Vanguard and ETF, and it's a low cost to hold this investment as well.","start":1077.6699,"end":1082.63,"sentiment":"positive","sentiment_score":0.481248389929533},{"text":"So it's positive.","start":1082.63,"end":1083.45,"sentiment":"positive","sentiment_score":0.6611762642860413}],"sentiment":"positive","sentiment_score":0.38858995685974757,"num_words":60,"start":1064.085,"end":1083.45},{"sentences":[{"text":"Yeah.","start":1085.6699,"end":1085.91,"sentiment":"neutral","sentiment_score":0.28220468759536743},{"text":"So we'll hold 8% in this investment for you.","start":1085.91,"end":1088.8099,"sentiment":"neutral","sentiment_score":0.2799743198686176},{"text":"Because we have gotten rid of Van Alon to the underperformance there, I'm replacing it with the BetaShares Australia 200.","start":1090.225,"end":1097.1849,"sentiment":"neutral","sentiment_score":0.07752830907702446},{"text":"This is tracking the top 200 companies on the ASX.","start":1097.1849,"end":1100.245,"sentiment":"neutral","sentiment_score":0.2158004730939865},{"text":"One of the biggest things I do like about swap is that it's a lower cost investment.","start":1100.865,"end":1105.0701,"sentiment":"positive","sentiment_score":0.4474157533224891}],"sentiment":"neutral","sentiment_score":0.2476598646557122,"num_words":57,"start":1085.6699,"end":1105.0701},{"sentences":[{"text":"Then along, it costs a little bit more to hold.","start":1105.13,"end":1107.63,"sentiment":"neutral","sentiment_score":0.33147869259119034},{"text":"It also only generally held about 15 to 25 different investment options depending on what the then along investment committee had decided to invest in.","start":1108.41,"end":1117.55,"sentiment":"neutral","sentiment_score":0.13934145927429198},{"text":"Whereas the BetaShares a 200, you're tracking the top 200 companies across the Australian ASX.","start":1117.855,"end":1123.3949,"sentiment":"neutral","sentiment_score":0.29299908777077993},{"text":"So you are tracking a much greater range of investments that give you greater diversification and lowering your investment fees along the way positive.","start":1123.5349,"end":1132.41,"sentiment":"positive","sentiment_score":0.5016141589730978},{"text":"And then the last one is core composite bonds.","start":1135.03,"end":1137.37,"sentiment":"neutral","sentiment_score":0.22930658029185402}],"sentiment":"neutral","sentiment_score":0.3047687802688185,"num_words":83,"start":1105.13,"end":1137.37},{"sentences":[{"text":"So this is defensive in nature.","start":1137.43,"end":1139.37,"sentiment":"neutral","sentiment_score":0.3298478076855342},{"text":"It is good for income production.","start":1139.67,"end":1141.37,"sentiment":"positive","sentiment_score":0.44931742548942566},{"text":"We're looking at government as well as core funds, so all, you know, good quality bonds, giving regular coupon payments, which is income paid into your cash account, which can be redistributed across your portfolio.","start":1141.83,"end":1154.355,"sentiment":"neutral","sentiment_score":0.29952726278986247},{"text":"One of the good things I do like about all these investments are they are all ETFs.","start":1154.895,"end":1159.5549,"sentiment":"positive","sentiment_score":0.35015920418150287},{"text":"Aside from gold, most of them produce a lot of...","start":1159.82,"end":1162.94,"sentiment":"neutral","sentiment_score":0.14926432743668555}],"sentiment":"neutral","sentiment_score":0.30545669381280205,"num_words":74,"start":1137.43,"end":1162.94},{"sentences":[{"text":"Not a lot.","start":1162.94,"end":1163.58,"sentiment":"neutral","sentiment_score":-0.011441820611556372},{"text":"They produce the dividends every year.","start":1163.58,"end":1165.84,"sentiment":"neutral","sentiment_score":0.07058213278651237},{"text":"We want dividends and income to be reduced out of your portfolio, paid to your cash account to have that reinvested back in, and that helps with the compounding effect as well for you.","start":1166.0599,"end":1176.325,"sentiment":"positive","sentiment_score":0.33436742205830183},{"text":"Yeah.","start":1178.385,"end":1178.885,"sentiment":"neutral","sentiment_score":0.14612601697444916},{"text":"Other than that...","start":1179.585,"end":1180.565,"sentiment":"neutral","sentiment_score":0.03137353186806043}],"sentiment":"neutral","sentiment_score":0.2552746020733042,"num_words":47,"start":1162.94,"end":1180.565},{"sentences":[{"text":"Yeah.","start":1181.025,"end":1181.525,"sentiment":"neutral","sentiment_score":0.2778312563896179},{"text":"It's not too bad.","start":1183.905,"end":1185.125,"sentiment":"neutral","sentiment_score":0.04547718074172735},{"text":"Absolutely.","start":1188.0,"end":1188.5,"sentiment":"neutral","sentiment_score":0.31879186630249023},{"text":"Down just a little bit further, I did look at your cash account.","start":1189.76,"end":1192.48,"sentiment":"neutral","sentiment_score":0.11329292219418746},{"text":"It is a little bit high, so I am just reinvesting a bit over 16,000 back into your portfolio.","start":1192.48,"end":1198.1,"sentiment":"neutral","sentiment_score":0.10949917039588879}],"sentiment":"neutral","sentiment_score":0.1139953703080353,"num_words":38,"start":1181.025,"end":1198.1},{"sentences":[{"text":"I did flag that with the investment committee going, hey.","start":1198.64,"end":1201.12,"sentiment":"neutral","sentiment_score":0.029551802948117257},{"text":"This is a bit high.","start":1201.12,"end":1201.92,"sentiment":"neutral","sentiment_score":-0.07976647168397903},{"text":"We do not wanna hold this much cash.","start":1201.92,"end":1204.075,"sentiment":"neutral","sentiment_score":-0.1545674493536353},{"text":"So they will look to reinvest that back into your portfolio for you.","start":1204.295,"end":1208.715,"sentiment":"neutral","sentiment_score":0.060428874423870675},{"text":"Beautiful.","start":1211.655,"end":1212.155,"sentiment":"positive","sentiment_score":0.5059605240821838}],"sentiment":"neutral","sentiment_score":-0.0013058927614946624,"num_words":37,"start":1198.64,"end":1212.155},{"sentences":[{"text":"Do you have any questions so far at all, Catherine?","start":1212.455,"end":1214.875,"sentiment":"neutral","sentiment_score":0.14314812421798706},{"text":"No?","start":1216.7001,"end":1217.18,"sentiment":"neutral","sentiment_score":0.06906668841838837},{"text":"Easy.","start":1217.18,"end":1217.68,"sentiment":"neutral","sentiment_score":0.2711455225944519},{"text":"All good.","start":1218.54,"end":1219.2001,"sentiment":"positive","sentiment_score":0.35449835658073425},{"text":"Underneath that, I've also got on page 26 for you just a recommendation with setting up the LPR, the legal personal representative on your beneficiary nominations there.","start":1219.98,"end":1229.84,"sentiment":"neutral","sentiment_score":0.07789915261997117}],"sentiment":"neutral","sentiment_score":0.11180408017300977,"num_words":41,"start":1212.455,"end":1229.84},{"sentences":[{"text":"Other than the best interest, which is basically how and why I came to the decision and why recommending you do the LPR is preferable, but also making sure that your will is set up to reflect receiving the funds and then having them distributed through Michael as essentially, you know, the fund distributor for any money that Kelly is to receive if you were to pass away at the end of the day.","start":1230.4851,"end":1252.67,"sentiment":"neutral","sentiment_score":0.012616870773805154},{"text":"So so, yeah, feel free to have a bit of a read through that.","start":1252.67,"end":1256.67,"sentiment":"neutral","sentiment_score":0.08225064857729844},{"text":"I've also got the advantages, disadvantages, risks involved.","start":1256.67,"end":1259.81,"sentiment":"neutral","sentiment_score":-0.004334613448008895},{"text":"I've also added in there the adding...","start":1260.525,"end":1262.7051,"sentiment":"neutral","sentiment_score":-0.001939243071579507},{"text":"Setting up and, you know, redoing of a will and power of attorney with any advantages, disadvantages, risks, and alternatives considered for you.","start":1262.8451,"end":1270.4451,"sentiment":"neutral","sentiment_score":0.014171632047256699}],"sentiment":"neutral","sentiment_score":0.018752805121789968,"num_words":126,"start":1230.4851,"end":1270.4451},{"sentences":[{"text":"So you've got a bit...","start":1270.4451,"end":1271.405,"sentiment":"neutral","sentiment_score":0.003924653586000203},{"text":"Yeah.","start":1271.405,"end":1271.645,"sentiment":"neutral","sentiment_score":0.10628700256347656},{"text":"You're welcome to read over, have a look at that.","start":1271.645,"end":1273.885,"sentiment":"neutral","sentiment_score":0.2702744841575623},{"text":"And if you find you do happen to have any questions, you are welcome to let me know.","start":1273.885,"end":1278.33,"sentiment":"neutral","sentiment_score":0.2673353734943602},{"text":"So you see, it's a nice, easy document for you.","start":1281.59,"end":1284.41,"sentiment":"positive","sentiment_score":0.4930445164442062}],"sentiment":"neutral","sentiment_score":0.28570765907749196,"num_words":44,"start":1270.4451,"end":1284.41},{"sentences":[{"text":"Essentially, to make this a bit easier, once you've kind of taken your time to read it over, if you're happy to proceed with everything, you'll just sign and return it back.","start":1285.35,"end":1293.8049,"sentiment":"positive","sentiment_score":0.4442379465326667},{"text":"We'll complete the investment switch with NBT for you.","start":1293.8049,"end":1296.7849,"sentiment":"neutral","sentiment_score":0.2799327489402559},{"text":"We'll make sure we catch up prior to your Cal Polycom coming off the premium holiday for your trauma, and we'll make sure we send out those beneficiary nominations for you.","start":1297.085,"end":1307.93,"sentiment":"neutral","sentiment_score":0.15824373162561847},{"text":"And then if you, you know, need a solicitor, we can always just tell you or pass some information on some local solicitors that can also assist you with doing up your will and power of attorney and making sure everything is set up correctly for you.","start":1307.93,"end":1321.185,"sentiment":"neutral","sentiment_score":0.1545740820943041},{"text":"Yeah.","start":1322.525,"end":1322.925,"sentiment":"neutral","sentiment_score":0.13771913945674896}],"sentiment":"neutral","sentiment_score":0.24202721423159043,"num_words":120,"start":1285.35,"end":1322.925},{"sentences":[{"text":"Easy.","start":1322.925,"end":1323.425,"sentiment":"neutral","sentiment_score":0.2999109625816345},{"text":"Beautiful.","start":1323.645,"end":1324.145,"sentiment":"positive","sentiment_score":0.6677123308181763},{"text":"Yeah.","start":1326.525,"end":1326.845,"sentiment":"neutral","sentiment_score":0.1203068345785141},{"text":"I figured you probably do.","start":1326.845,"end":1328.525,"sentiment":"neutral","sentiment_score":0.12278862744569778},{"text":"You've probably got quite a few quite a few counsels that you're able to refer to.","start":1328.525,"end":1333.505,"sentiment":"neutral","sentiment_score":0.10939180292189121}],"sentiment":"neutral","sentiment_score":0.14383925466487804,"num_words":24,"start":1322.925,"end":1333.505},{"sentences":[{"text":"Yeah.","start":1355.205,"end":1355.705,"sentiment":"neutral","sentiment_score":0.22241738438606265},{"text":"Yeah.","start":1361.38,"end":1361.62,"sentiment":"neutral","sentiment_score":0.11744897812604904},{"text":"Wow.","start":1361.62,"end":1362.12,"sentiment":"neutral","sentiment_score":0.05887548625469208},{"text":"Yeah.","start":1369.62,"end":1370.02,"sentiment":"neutral","sentiment_score":-0.044661663472652435},{"text":"No.","start":1370.02,"end":1370.34,"sentiment":"neutral","sentiment_score":-0.1489694118499756}],"sentiment":"neutral","sentiment_score":0.04102215468883514,"num_words":5,"start":1355.205,"end":1370.34},{"sentences":[{"text":"You want them to do everything properly, especially when it comes to what you're just being true, all that legal stuff.","start":1370.34,"end":1376.585,"sentiment":"neutral","sentiment_score":-0.08123952966360819},{"text":"That makes a big difference.","start":1376.585,"end":1377.8049,"sentiment":"neutral","sentiment_score":-0.05340559557080269},{"text":"Yeah.","start":1381.465,"end":1381.865,"sentiment":"neutral","sentiment_score":-0.07310198247432709},{"text":"No.","start":1381.865,"end":1382.365,"sentiment":"neutral","sentiment_score":-0.11644501984119417},{"text":"I understand that.","start":1382.4249,"end":1383.465,"sentiment":"neutral","sentiment_score":-0.06725144013762474}],"sentiment":"neutral","sentiment_score":-0.07626965882316712,"num_words":31,"start":1370.34,"end":1383.465},{"sentences":[{"text":"That is for sure.","start":1383.465,"end":1384.605,"sentiment":"neutral","sentiment_score":-0.014522087760269642},{"text":"To look after you and Kelly 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return.","start":1887.39,"end":1889.4501,"sentiment":"neutral","sentiment_score":-0.11210332491568156},{"text":"Yeah.","start":1889.91,"end":1890.41,"sentiment":"neutral","sentiment_score":-0.10011976212263109},{"text":"Absolutely.","start":1896.15,"end":1896.65,"sentiment":"neutral","sentiment_score":-0.016964228823781013},{"text":"Yeah.","start":1897.27,"end":1897.5901,"sentiment":"neutral","sentiment_score":0.006677550263702869},{"text":"Definitely.","start":1897.5901,"end":1898.0901,"sentiment":"neutral","sentiment_score":0.04979030415415764}],"sentiment":"neutral","sentiment_score":-0.07684903735802932,"num_words":11,"start":1887.39,"end":1898.0901},{"sentences":[{"text":"Yep.","start":1898.39,"end":1898.89,"sentiment":"neutral","sentiment_score":0.04555722326040268},{"text":"No.","start":1918.54,"end":1918.86,"sentiment":"neutral","sentiment_score":-0.0222993828356266},{"text":"You're you're absolutely fine.","start":1918.86,"end":1921.6,"sentiment":"neutral","sentiment_score":0.14200848899781704},{"text":"It's not a problem at all.","start":1921.98,"end":1923.18,"sentiment":"positive","sentiment_score":0.4646912266810735},{"text":"I actually really enjoy our conversations.","start":1923.18,"end":1924.8,"sentiment":"positive","sentiment_score":0.6215775609016418}],"sentiment":"positive","sentiment_score":0.3949391401062409,"num_words":18,"start":1898.39,"end":1924.8},{"sentences":[{"text":"They're great.","start":1925.1,"end":1925.8401,"sentiment":"positive","sentiment_score":0.6793742775917053},{"text":"I do.","start":1931.445,"end":1932.105,"sentiment":"neutral","sentiment_score":0.2855875641107559},{"text":"No.","start":1936.085,"end":1936.405,"sentiment":"neutral","sentiment_score":0.012981978245079516},{"text":"It's all good.","start":1936.405,"end":1937.205,"sentiment":"positive","sentiment_score":0.7552682757377625},{"text":"Honestly, you go on whatever terms that you need.","start":1937.205,"end":1939.525,"sentiment":"positive","sentiment_score":0.4100290735562642}],"sentiment":"positive","sentiment_score":0.4646454206393922,"num_words":17,"start":1925.1,"end":1939.525},{"sentences":[{"text":"You use me as a sounding board for whatever you possibly need.","start":1939.525,"end":1942.245,"sentiment":"positive","sentiment_score":0.36801398545503616},{"text":"That's what I'm here for.","start":1942.245,"end":1943.285,"sentiment":"neutral","sentiment_score":0.31955516934394834},{"text":"So Yeah.","start":1943.285,"end":1945.9199,"sentiment":"neutral","sentiment_score":0.025251160375773907},{"text":"Yep.","start":1953.4199,"end":1953.9199,"sentiment":"neutral","sentiment_score":0.009047674015164375},{"text":"Yes.","start":1954.7,"end":1955.1,"sentiment":"neutral","sentiment_score":0.03871161490678787}],"sentiment":"neutral","sentiment_score":0.2910573943739846,"num_words":21,"start":1939.525,"end":1955.1},{"sentences":[{"text":"So what we'll do is we'll send out the beneficiary nominations for you...","start":1955.1,"end":1960.265,"sentiment":"neutral","sentiment_score":0.04540733907085199},{"text":"For it to be filled out to legal personal representative because that just basically means the money goes from your life insurance and your suit card to your will.","start":1960.405,"end":1968.81,"sentiment":"neutral","sentiment_score":0.027051518382183438},{"text":"Your legal personal representative is essentially your estate.","start":1969.3701,"end":1972.5901,"sentiment":"neutral","sentiment_score":0.01973188086412847},{"text":"So inside your will, your lawyer just needs to state that the the proceeds to be received as well as everything else that you own and however you want that distributed, your super and your life insurance proceeds.","start":1973.2101,"end":1985.725,"sentiment":"neutral","sentiment_score":0.14798873672752003},{"text":"And if you need, I can send you a copy at the time when you go to see them.","start":1985.945,"end":1989.3049,"sentiment":"neutral","sentiment_score":0.1431895012134}],"sentiment":"neutral","sentiment_score":0.09230670099642789,"num_words":107,"start":1955.1,"end":1989.3049},{"sentences":[{"text":"We can send you a copy of the life insurance, some insured, and your super balance so that can all be accounted for.","start":1989.3049,"end":1997.005,"sentiment":"neutral","sentiment_score":0.14763245310472406},{"text":"And then you just...","start":1997.61,"end":1998.57,"sentiment":"neutral","sentiment_score":0.03615304734557867},{"text":"In the body of the will has to be noted how they want...","start":1998.57,"end":2001.37,"sentiment":"neutral","sentiment_score":0.008834627242042469},{"text":"How do you want that distributed, noting that, you know, you want everything to go to Michael so he can look after Kelly and any directions that you have for Michael on how you want that money to be distributed, looked after to make Kelly believes the best benefit.","start":2001.37,"end":2014.595,"sentiment":"neutral","sentiment_score":0.10312031924116369},{"text":"Yeah.","start":2017.135,"end":2017.635,"sentiment":"neutral","sentiment_score":0.1693105697631836}],"sentiment":"neutral","sentiment_score":0.09863572197241915,"num_words":90,"start":1989.3049,"end":2017.635},{"sentences":[{"text":"Easy.","start":2020.495,"end":2020.995,"sentiment":"neutral","sentiment_score":0.3050999641418457},{"text":"Yeah.","start":2021.615,"end":2022.015,"sentiment":"neutral","sentiment_score":0.18988636136054993},{"text":"I'll get the team to do other beneficiary forms, and we can pre fill it with LPR for you and pre fill those forms as much as possible.","start":2022.015,"end":2029.29,"sentiment":"neutral","sentiment_score":0.25156441118036},{"text":"Are you happy to meet out that organized?","start":2029.29,"end":2031.15,"sentiment":"neutral","sentiment_score":0.2779318392276764},{"text":"Yeah.","start":2041.225,"end":2041.465,"sentiment":"neutral","sentiment_score":0.05748431757092476}],"sentiment":"neutral","sentiment_score":0.2517879197421746,"num_words":39,"start":2020.495,"end":2041.465},{"sentences":[{"text":"That's exactly right.","start":2041.465,"end":2042.585,"sentiment":"neutral","sentiment_score":0.27512789765993756},{"text":"Yeah.","start":2042.585,"end":2042.9049,"sentiment":"neutral","sentiment_score":0.12310132384300232},{"text":"Yep.","start":2042.9049,"end":2043.225,"sentiment":"neutral","sentiment_score":0.040662217885255814},{"text":"So with LPR, it always goes to your state.","start":2043.225,"end":2046.1849,"sentiment":"neutral","sentiment_score":0.18148307585053974},{"text":"If something happens to your brother, you just pick another guardian or another person, and you just have your will updated.","start":2046.1849,"end":2051.2249,"sentiment":"neutral","sentiment_score":0.14430166816427595}],"sentiment":"neutral","sentiment_score":0.16150942710893496,"num_words":35,"start":2041.465,"end":2051.2249},{"sentences":[{"text":"It does make it easier for you.","start":2051.2249,"end":2052.9849,"sentiment":"positive","sentiment_score":0.4322676020009177},{"text":"Yeah.","start":2052.9849,"end":2053.4849,"sentiment":"neutral","sentiment_score":0.12154392898082732},{"text":"Easy.","start":2056.4001,"end":2056.9001,"sentiment":"positive","sentiment_score":0.5549166798591614},{"text":"All good.","start":2057.4402,"end":2058.34,"sentiment":"neutral","sentiment_score":0.1544550210237503},{"text":"It does.","start":2059.4402,"end":2060.24,"sentiment":"neutral","sentiment_score":0.14863719791173935}],"sentiment":"neutral","sentiment_score":0.3314244815936455,"num_words":13,"start":2051.2249,"end":2060.24},{"sentences":[{"text":"It does.","start":2060.24,"end":2061.06,"sentiment":"neutral","sentiment_score":0.21617867797613144},{"text":"Thank you so much for your time today.","start":2062.32,"end":2064.24,"sentiment":"positive","sentiment_score":0.6228466406464577},{"text":"I'll let you go so you can dump and and hopefully eat before you go back to work.","start":2064.24,"end":2068.26,"sentiment":"neutral","sentiment_score":0.2666194202999274},{"text":"But if you need anything in the meantime, let me know.","start":2068.4348,"end":2070.775,"sentiment":"neutral","sentiment_score":0.08203677308153022},{"text":"I do the same thing.","start":2072.115,"end":2073.255,"sentiment":"neutral","sentiment_score":0.3322433352470398}],"sentiment":"neutral","sentiment_score":0.2904068460603329,"num_words":44,"start":2060.24,"end":2073.255},{"sentences":[{"text":"Anytime you have a great afternoon.","start":2074.1948,"end":2076.055,"sentiment":"positive","sentiment_score":0.6447100738684336},{"text":"Thanks, Cass.","start":2078.9148,"end":2079.4749,"sentiment":"positive","sentiment_score":0.6448088884353638},{"text":"See you later.","start":2079.4749,"end":2080.1948,"sentiment":"positive","sentiment_score":0.5008557140827179},{"text":"Bye.","start":2080.1948,"end":2080.6948,"sentiment":"neutral","sentiment_score":0.2304987609386444}],"sentiment":"positive","sentiment_score":0.5742453436056772,"num_words":12,"start":2074.1948,"end":2080.6948}]}}]},{"alternatives":[{"transcript":"Hello, Dana. Camina. How are you? Yeah. That's fine. I'll do my lunch break now. I did send you an email. Like, I've only got half an hour. So is that alright? Would that work? No. No. That's okay. I thought just so you know. Let me just talk to them. No. Yes, ma'am. I believe that the statement is not... That I signed. Did I sign it? Yep. Oh, yeah. Okay. Well, let me... Well, you'll be happy to know I've done my financial settlement. Yes. But I have to work out the money side of things because now it's $400 more to add to my mortgage instead. Fortnight. Yeah. Yeah. That's fine. Why is this not coming through? What is it? Do you wanna try and send it to my work email? Can you do that? Uh-uh. It might also be lost it. Oh, hang on then. Oh, honey. What's this? Sign request. Same next website. Is that it? No. And then I clicked on sign document. Oh, yeah. Yep. Yep. First of October. With that. Okay. Yeah. Alright.. Sorry. Mhmm. Yes. Yep. Yes. Yeah. I I read that. I should've read that. Yeah. I read that as you were saying it. Yep. I don't know. I wouldn't mind doing it. Let me not. Yeah. Yes. That's fair. You're up. It's what? Did you say sixteen? Seven eight nine seven twelve fourteen. Here we go. Yep. Yep. Yep. Okay. No. Okay. Mhmm. Yep. Yep. Mhmm. Yes. Yep. And that's only if, like, there's no downs in the market and stuff. That's kind of if it continues to perform the way it has, like, the trend. Yeah? Like, it's not guaranteed. That's just a trend. Yeah. Yeah. Yeah. Cool. Yeah. Yep. Yeah. Yep. Yep. K. Yeah. I'll probably only reduce my hours for six months anyway. That would just be... We'll just see it start next year where I'm sitting. Yeah. But I'll continue this year and just see it out and see what happens here. Trying to get that budget under control. No more add to cart. Mhmm. Yeah. I'm like, do I get solar put on and then go and buy a new car? No. No. I doubt that cost too much out later on now. Don't expect that. Well, I've got my loan sorted now. So it is what it is, and I've got money sitting there. So that's all that I've got to do in a payment. Tuesday. Like, it's just all back to mine. So... Yeah. Okay. Cool. Mhmm. Thank you. Yeah. Yep. Yeah. Cool. I don't get it. Move on. No. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Yeah. Mhmm. Yep. Makes sense. That actually is easy when you explain it. Going from the red into the green and this. Mhmm. Thank you. It's great. I have got one of those. I have got a legal representative now, which is helpful. I'm actually thinking of changing to another one. Great with the execution of the documents for court. So I'm I'm fine. Yeah. I'm... Yeah. I was just like, we're gonna use her again. But... Yeah. It's not happening again. Yep. That's exactly right. Next document. I have signed up. No. I've signed it. Yeah. Now what's the next step? Oh, yeah. It will be a five three and stuff. I doing quick enough? I thought I clicked on all. Yeah. Account. Loading. Yeah. Well, if I don't do it now, I'll forget. Mhmm. Yeah. If you can email me a copy of it, that'd be great. Because that way then I can read it properly, and I'll have that copy to take to my lawyer. Yeah. You're a gem. Thank you. Yeah. That'd be good. Because I'm... What I might try and do is set up my... Like, look at my spreadsheet and expenses again because health insurance is probably one of the ones that I need to review. I just can't think of anywhere else. I could save it anyway. Apart from spending, like, daily food, fuel. So I'll try and get you that in the next couple of weeks. And then, I mean, if you can have a look at it, and then I'm gonna just need... Bring in a couple of months maybe. See how I've been going with it and see if there's anything I should be doing differently. Yeah. Yeah. Maybe mid to end. That might be smart. By the time I get it to you, and it'd probably be a month. But... Yeah. And then just the disabled house being fully and stuff. So... Yeah. Two e. It's all done. It's all done. Yeah. I did get a good tax return. I've also got a very awesome family benefit. But whatever that is, the the... You know, from Centrelink, I got 7 grand. And then I got the childcare. Yeah. I won't get that again, but... And then I got the childcare rebate balancing, like, last week, which was $1,500. That's not bad. I've got, like, 8 grand in total, which is not bad. So... And that's my current salary. So not bad. Not bad. Not bad. Yeah. So I'll probably just see how we go and continue? Yeah. I'm just gonna see how we go. He's fine now at the moment and try and see if I can get my son to... If I pick him up at three, then maybe see if he can do stuff at home and, yeah, start a workspace in the. So he's got a guest, and he can do his phone work with me on the day... On the three days because I can't reduce my own. I mean, I just can't see how I'm gonna make ends meet because I, you know, look at my pay. So I get $3 in my hand or 2,800 in my hand. 1,200 of that is going to my home loan a fortnight. So what's that? 2,800. That leaves me with 4 8 100 dollars. Yeah. So that would leave me $4,800 to pay home insurance, home rates, home insurance, car insurance, fuel, health insurance, emergency services levy, power, electricity, Power, electricity, water. And that... I haven't even eaten anything. And then I haven't even eaten anything yet. So it's not... Yeah. So I'm just not sure if I can even reduce it back to that. Whatever I think it was, but just try and get that thing court now, and it's all settled. Now I'm gonna do a submission to transport. Now that's on record then, and it'll just be recorded that he's currently paying the school fees, and then we'll just see what happens. Right. Because then if it's... Oh, if I wasn't paying the school fees, I'd be like, well, now I need to pay this for money or better better be putting that away because when I need it, I'm gonna ask for it. So... He won't quite disturb. Yeah. And he's got shared now with with the company he works for. I think 10 points. I don't know how that works. Right? I don't know how I understand that, and I just let that go through. I don't I don't want anything to do with that. He's not touching my super. So I'm not touching his super, and I'm not touching that. But he'll get income from that, so that needs to then be reflected across to me at some stage somehow. So I think that's why I need to go in child support now to work with that. I don't want him to give me the money. It just needs to be there so that it's on a statement because I think they're on a statement. What does it say? You'll pay... You you should have paid x amount, I think. Doesn't it? It's like when you get cash with it, it says you should pay transport. Yep. Yep. Yeah. Yeah. Right. Yeah. No. That's that's what I thought would happen. Yeah. It's sort of an... Yeah. But anyway... I mean, there's some of the guys here I was talking to them because it's... Go over last year is not what you're currently working at. Yeah. And that's what I don't like about time support. Yeah. Which is what I don't like about it because your job circumstances might change, and you might not be earning that much money. Yeah. Anyway, that's that's okay. Why are they changing color? Oh, they are different colors. I'm just looking at cards, and I'm like, no different colors. No. Yeah. They are. Okay. I don't know. Is it the same same, I'm guessing? God. I hate it when I'm looking at stuff. Sorry, Dana. That's my squirrel brain. Off it goes again. Okay. Thanks. You can do a Tracy invite. I love it when I ring cat. Thanks for paying me to ring her. Yeah. So I am next... I'm doing my will. And I am... What am I doing? I'm doing my will, and I'm doing to make sure that I have... What is it? A legal representative. LPR, legal person. Right. That's cool. Mhmm. Yeah. Cool. Okay. Yeah. Because it'll just... Like, if I change my will, like, if something happened to my brother, then I just have to nominate a different... I mean, the post worker's name, my will instead of having to change my forms. Right? Is that what happens? Yeah. Makes it easier. Yeah. Makes it easier. K. Awesome. That makes so much easier. Doesn't it? Alright. Well, you enjoy. Oh, some fish. Yeah. No. I'll eat at my desk. It's fine. Thank you. Thank you. You too, Dana. Bye bye. 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Camina. How are you? Yeah. That's fine.\n\nI'll do my lunch break now. I did send you an email. Like, I've only got half an hour. So is that alright? Would that work?\n\nNo. No. That's okay. I thought just so you know. Let me just talk to them.\n\nNo. Yes, ma'am. I believe that the statement is not... That I signed. Did I sign it?\n\nYep. Oh, yeah. Okay. Well, let me... Well, you'll be happy to know I've done my financial settlement.\n\nYes. But I have to work out the money side of things because now it's $400 more to add to my mortgage instead. Fortnight. Yeah. Yeah.\n\nThat's fine. Why is this not coming through? What is it? Do you wanna try and send it to my work email? Can you do that?\n\nUh-uh. It might also be lost it. Oh, hang on then. Oh, honey. What's this?\n\nSign request. Same next website. Is that it? No. And then I clicked on sign document.\n\nOh, yeah. Yep. Yep. First of October. With that.\n\nOkay. Yeah. Alright.. Sorry. Mhmm.\n\nYes. Yep. Yes. Yeah. I I read that.\n\nI should've read that. Yeah. I read that as you were saying it. Yep. I don't know.\n\nI wouldn't mind doing it. Let me not. Yeah. Yes. That's fair.\n\nYou're up. It's what? Did you say sixteen? Seven eight nine seven twelve fourteen. Here we go.\n\nYep. Yep. Yep. Okay. No.\n\nOkay. Mhmm. Yep. Yep. Mhmm.\n\nYes. Yep. And that's only if, like, there's no downs in the market and stuff. That's kind of if it continues to perform the way it has, like, the trend. Yeah?\n\nLike, it's not guaranteed. That's just a trend. Yeah. Yeah. Yeah.\n\nCool. Yeah. Yep. Yeah. Yep.\n\nYep. K. Yeah. I'll probably only reduce my hours for six months anyway. That would just be...\n\nWe'll just see it start next year where I'm sitting. Yeah. But I'll continue this year and just see it out and see what happens here. Trying to get that budget under control. No more add to cart.\n\nMhmm. Yeah. I'm like, do I get solar put on and then go and buy a new car? No. No.\n\nI doubt that cost too much out later on now. Don't expect that. Well, I've got my loan sorted now. So it is what it is, and I've got money sitting there. So that's all that I've got to do in a payment.\n\nTuesday. Like, it's just all back to mine. So... Yeah. Okay.\n\nCool. Mhmm. Thank you. Yeah. Yep.\n\nYeah. Cool. I don't get it. Move on. No.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. Mhmm. Yeah. Mhmm.\n\nYep. Makes sense. That actually is easy when you explain it. Going from the red into the green and this. Mhmm.\n\nThank you. It's great. I have got one of those. I have got a legal representative now, which is helpful. I'm actually thinking of changing to another one.\n\nGreat with the execution of the documents for court. So I'm I'm fine. Yeah. I'm... Yeah.\n\nI was just like, we're gonna use her again. But... Yeah. It's not happening again. Yep.\n\nThat's exactly right. Next document. I have signed up. No. I've signed it.\n\nYeah. Now what's the next step? Oh, yeah. It will be a five three and stuff. I doing quick enough?\n\nI thought I clicked on all. Yeah. Account. Loading. Yeah.\n\nWell, if I don't do it now, I'll forget. Mhmm. Yeah. If you can email me a copy of it, that'd be great. Because that way then I can read it properly, and I'll have that copy to take to my lawyer.\n\nYeah. You're a gem. Thank you. Yeah. That'd be good.\n\nBecause I'm... What I might try and do is set up my... Like, look at my spreadsheet and expenses again because health insurance is probably one of the ones that I need to review. I just can't think of anywhere else. I could save it anyway.\n\nApart from spending, like, daily food, fuel. So I'll try and get you that in the next couple of weeks. And then, I mean, if you can have a look at it, and then I'm gonna just need... Bring in a couple of months maybe. See how I've been going with it and see if there's anything I should be doing differently.\n\nYeah. Yeah. Maybe mid to end. That might be smart. By the time I get it to you, and it'd probably be a month.\n\nBut... Yeah. And then just the disabled house being fully and stuff. So... Yeah.\n\nTwo e. It's all done. It's all done. Yeah. I did get a good tax return.\n\nI've also got a very awesome family benefit. But whatever that is, the the... You know, from Centrelink, I got 7 grand. And then I got the childcare. Yeah.\n\nI won't get that again, but... And then I got the childcare rebate balancing, like, last week, which was $1,500. That's not bad. I've got, like, 8 grand in total, which is not bad. So...\n\nAnd that's my current salary. So not bad. Not bad. Not bad. Yeah.\n\nSo I'll probably just see how we go and continue? Yeah. I'm just gonna see how we go. He's fine now at the moment and try and see if I can get my son to... If I pick him up at three, then maybe see if he can do stuff at home and, yeah, start a workspace in the.\n\nSo he's got a guest, and he can do his phone work with me on the day... On the three days because I can't reduce my own. I mean, I just can't see how I'm gonna make ends meet because I, you know, look at my pay. So I get $3 in my hand or 2,800 in my hand. 1,200 of that is going to my home loan a fortnight.\n\nSo what's that? 2,800. That leaves me with 4 8 100 dollars. Yeah. So that would leave me $4,800 to pay home insurance, home rates, home insurance, car insurance, fuel, health insurance, emergency services levy, power, electricity, Power, electricity, water.\n\nAnd that... I haven't even eaten anything. And then I haven't even eaten anything yet. So it's not... Yeah.\n\nSo I'm just not sure if I can even reduce it back to that. Whatever I think it was, but just try and get that thing court now, and it's all settled. Now I'm gonna do a submission to transport. Now that's on record then, and it'll just be recorded that he's currently paying the school fees, and then we'll just see what happens. Right.\n\nBecause then if it's... Oh, if I wasn't paying the school fees, I'd be like, well, now I need to pay this for money or better better be putting that away because when I need it, I'm gonna ask for it. So... He won't quite disturb. Yeah.\n\nAnd he's got shared now with with the company he works for. I think 10 points. I don't know how that works. Right? I don't know how I understand that, and I just let that go through.\n\nI don't I don't want anything to do with that. He's not touching my super. So I'm not touching his super, and I'm not touching that. But he'll get income from that, so that needs to then be reflected across to me at some stage somehow. So I think that's why I need to go in child support now to work with that.\n\nI don't want him to give me the money. It just needs to be there so that it's on a statement because I think they're on a statement. What does it say? You'll pay... You you should have paid x amount, I think.\n\nDoesn't it? It's like when you get cash with it, it says you should pay transport. Yep. Yep. Yeah.\n\nYeah. Right. Yeah. No. That's that's what I thought would happen.\n\nYeah. It's sort of an... Yeah. But anyway... I mean, there's some of the guys here I was talking to them because it's...\n\nGo over last year is not what you're currently working at. Yeah. And that's what I don't like about time support. Yeah. Which is what I don't like about it because your job circumstances might change, and you might not be earning that much money.\n\nYeah. Anyway, that's that's okay. Why are they changing color? Oh, they are different colors. I'm just looking at cards, and I'm like, no different colors.\n\nNo. Yeah. They are. Okay. I don't know.\n\nIs it the same same, I'm guessing? God. I hate it when I'm looking at stuff. Sorry, Dana. That's my squirrel brain.\n\nOff it goes again. Okay. Thanks. You can do a Tracy invite. I love it when I ring cat.\n\nThanks for paying me to ring her. Yeah. So I am next... I'm doing my will. And I am...\n\nWhat am I doing? I'm doing my will, and I'm doing to make sure that I have... What is it? A legal representative. LPR, legal person.\n\nRight. That's cool. Mhmm. Yeah. Cool.\n\nOkay. Yeah. Because it'll just... Like, if I change my will, like, if something happened to my brother, then I just have to nominate a different... I mean, the post worker's name, my will instead of having to change my forms.\n\nRight? Is that what happens? Yeah. Makes it easier. Yeah.\n\nMakes it easier. K. Awesome. That makes so much easier. Doesn't it?\n\nAlright. Well, you enjoy. Oh, some fish. Yeah. No.\n\nI'll eat at my desk. It's fine. Thank you. Thank you. You too, Dana.\n\nBye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Dana.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.08856746554374695},{"text":"Camina.","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2234068214893341},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.2197213570276896},{"text":"Yeah.","start":13.674999,"end":13.915,"sentiment":"neutral","sentiment_score":0.12854105234146118},{"text":"That's fine.","start":13.915,"end":14.635,"sentiment":"neutral","sentiment_score":0.18837617337703705}],"sentiment":"neutral","sentiment_score":0.17388880252838135,"num_words":9,"start":1.8399999,"end":14.635},{"sentences":[{"text":"I'll do my lunch break now.","start":14.635,"end":16.395,"sentiment":"neutral","sentiment_score":0.11836268131931622},{"text":"I did send you an email.","start":16.395,"end":17.435,"sentiment":"neutral","sentiment_score":0.04619103173414866},{"text":"Like, I've only got half an hour.","start":17.435,"end":18.875,"sentiment":"neutral","sentiment_score":0.019625904570732797},{"text":"So is that alright?","start":18.875,"end":20.895,"sentiment":"neutral","sentiment_score":-0.02344034006819129},{"text":"Would that work?","start":20.955,"end":21.855,"sentiment":"neutral","sentiment_score":0.03798643251260122}],"sentiment":"neutral","sentiment_score":0.0440346749069599,"num_words":26,"start":14.635,"end":21.855},{"sentences":[{"text":"No.","start":27.47,"end":27.63,"sentiment":"neutral","sentiment_score":-0.10655993223190308},{"text":"No.","start":27.63,"end":27.789999,"sentiment":"neutral","sentiment_score":-0.1145438626408577},{"text":"That's okay.","start":27.789999,"end":28.429998,"sentiment":"neutral","sentiment_score":-0.07155058160424232},{"text":"I thought just so you know.","start":28.429998,"end":30.369999,"sentiment":"neutral","sentiment_score":-0.028419695794582367},{"text":"Let me just talk to 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sixteen?","start":383.13,"end":384.50998,"sentiment":"neutral","sentiment_score":0.0069283031625673175},{"text":"Seven eight nine seven twelve fourteen.","start":385.13,"end":394.66998,"sentiment":"neutral","sentiment_score":0.009129012702032924},{"text":"Here we 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bad.","start":1595.09,"end":1597.8451,"sentiment":"neutral","sentiment_score":0.12590546228668906},{"text":"So...","start":1597.8451,"end":1598.3451,"sentiment":"neutral","sentiment_score":0.044038377702236176}],"sentiment":"neutral","sentiment_score":0.08524533723081862,"num_words":35,"start":1584.21,"end":1598.3451},{"sentences":[{"text":"And that's my current salary.","start":1598.405,"end":1600.3451,"sentiment":"neutral","sentiment_score":0.021639146469533445},{"text":"So not bad.","start":1601.2051,"end":1602.745,"sentiment":"neutral","sentiment_score":0.029167927180727322},{"text":"Not bad.","start":1604.5651,"end":1605.2051,"sentiment":"neutral","sentiment_score":0.1292782500386238},{"text":"Not bad.","start":1605.2051,"end":1605.865,"sentiment":"neutral","sentiment_score":0.03366452269256115},{"text":"Yeah.","start":1606.885,"end":1607.2051,"sentiment":"neutral","sentiment_score":0.045532211661338806}],"sentiment":"neutral","sentiment_score":0.04362440546258138,"num_words":13,"start":1598.405,"end":1607.2051},{"sentences":[{"text":"So I'll probably just see how we go and continue?","start":1607.2051,"end":1609.6699,"sentiment":"neutral","sentiment_score":0.03502386063337326},{"text":"Yeah.","start":1610.45,"end":1610.69,"sentiment":"neutral","sentiment_score":0.036733344197273254},{"text":"I'm just gonna see how we go.","start":1610.69,"end":1611.8099,"sentiment":"neutral","sentiment_score":0.046945196709462574},{"text":"He's fine now at the moment and try and see if I can get my son to...","start":1611.8099,"end":1616.53,"sentiment":"neutral","sentiment_score":0.0637593282496228},{"text":"If I pick him up at three, then maybe see if he can do stuff at home and, yeah, start a workspace in the.","start":1616.53,"end":1622.715,"sentiment":"neutral","sentiment_score":0.0617591959113876}],"sentiment":"neutral","sentiment_score":0.05562233236634125,"num_words":59,"start":1607.2051,"end":1622.715},{"sentences":[{"text":"So he's got a guest, and he can do his phone work with me on the day...","start":1622.855,"end":1627.415,"sentiment":"neutral","sentiment_score":0.09572195831467123},{"text":"On the three days because I can't reduce my own.","start":1627.415,"end":1629.895,"sentiment":"neutral","sentiment_score":-0.00863851085305214},{"text":"I mean, I just can't see how I'm gonna make ends meet because I, you know, look at my pay.","start":1629.895,"end":1634.79,"sentiment":"neutral","sentiment_score":-0.31707815676927564},{"text":"So I get $3 in my hand or 2,800 in my hand.","start":1634.79,"end":1639.11,"sentiment":"neutral","sentiment_score":-0.05136481889834007},{"text":"1,200 of that is going to my home loan a fortnight.","start":1639.11,"end":1644.09,"sentiment":"neutral","sentiment_score":-0.08182942393151196}],"sentiment":"neutral","sentiment_score":-0.09024537775133337,"num_words":70,"start":1622.855,"end":1644.09},{"sentences":[{"text":"So what's that?","start":1644.15,"end":1646.55,"sentiment":"neutral","sentiment_score":-0.042966468880573906},{"text":"2,800.","start":1646.55,"end":1647.375,"sentiment":"neutral","sentiment_score":-0.019308624789118767},{"text":"That leaves me with 4 8 100 dollars.","start":1647.455,"end":1649.475,"sentiment":"neutral","sentiment_score":-0.008112837094813585},{"text":"Yeah.","start":1650.575,"end":1651.075,"sentiment":"neutral","sentiment_score":0.028747646138072017},{"text":"So that would leave me $4,800 to pay home insurance, home rates, home insurance, car insurance, fuel, health insurance, emergency services levy, power, electricity, Power, electricity, water.","start":1651.135,"end":1674.535,"sentiment":"neutral","sentiment_score":-0.008018331421125267}],"sentiment":"neutral","sentiment_score":-0.010021450760541483,"num_words":40,"start":1644.15,"end":1674.535},{"sentences":[{"text":"And that...","start":1676.195,"end":1676.6749,"sentiment":"neutral","sentiment_score":-0.10595230385661125},{"text":"I haven't even eaten anything.","start":1676.6749,"end":1677.975,"sentiment":"neutral","sentiment_score":-0.25291611850261686},{"text":"And then I haven't even eaten anything yet.","start":1678.115,"end":1680.035,"sentiment":"neutral","sentiment_score":-0.1746548768132925},{"text":"So it's not...","start":1680.035,"end":1681.315,"sentiment":"neutral","sentiment_score":-0.08946650475263596},{"text":"Yeah.","start":1681.315,"end":1681.795,"sentiment":"neutral","sentiment_score":-0.05226132273674011}],"sentiment":"neutral","sentiment_score":-0.16812552903827868,"num_words":19,"start":1676.195,"end":1681.795},{"sentences":[{"text":"So I'm just not sure if I can even reduce it back to that.","start":1681.795,"end":1685.255,"sentiment":"neutral","sentiment_score":-0.10214356599109513},{"text":"Whatever I think it was, but just try and get that thing court now, and it's all settled.","start":1685.5549,"end":1696.5299,"sentiment":"neutral","sentiment_score":-0.09738427648941676},{"text":"Now I'm gonna do a submission to transport.","start":1696.5299,"end":1700.23,"sentiment":"neutral","sentiment_score":0.019169028848409653},{"text":"Now that's on record then, and it'll just be recorded that he's currently paying the school fees, and then we'll just see what happens.","start":1702.455,"end":1709.4349,"sentiment":"neutral","sentiment_score":-0.021332294524957735},{"text":"Right.","start":1709.735,"end":1710.0549,"sentiment":"neutral","sentiment_score":-0.01332676224410534}],"sentiment":"neutral","sentiment_score":-0.054690407703702267,"num_words":65,"start":1681.795,"end":1710.0549},{"sentences":[{"text":"Because then if it's...","start":1710.0549,"end":1710.775,"sentiment":"neutral","sentiment_score":-0.037750947289168835},{"text":"Oh, if I wasn't paying the school fees, I'd be like, well, now I need to pay this for money or better better be putting that away because when I need it, I'm gonna ask for it.","start":1710.775,"end":1719.46,"sentiment":"neutral","sentiment_score":-0.23973752930760384},{"text":"So...","start":1719.68,"end":1720.18,"sentiment":"neutral","sentiment_score":-0.06685812771320343},{"text":"He won't quite disturb.","start":1742.75,"end":1743.89,"sentiment":"negative","sentiment_score":-0.34773579984903336},{"text":"Yeah.","start":1752.11,"end":1752.51,"sentiment":"neutral","sentiment_score":0.1769007444381714}],"sentiment":"neutral","sentiment_score":-0.21919559481296133,"num_words":47,"start":1710.0549,"end":1752.51},{"sentences":[{"text":"And he's got shared now with with the company he works for.","start":1752.51,"end":1755.545,"sentiment":"neutral","sentiment_score":0.16465614487727484},{"text":"I think 10 points.","start":1755.545,"end":1756.845,"sentiment":"neutral","sentiment_score":0.14374098926782608},{"text":"I don't know how that works.","start":1760.345,"end":1761.545,"sentiment":"neutral","sentiment_score":-0.07911653444170952},{"text":"Right?","start":1761.545,"end":1761.785,"sentiment":"neutral","sentiment_score":-0.04490957409143448},{"text":"I don't know how I understand that, and I just let that go through.","start":1761.785,"end":1764.025,"sentiment":"neutral","sentiment_score":-0.26303489186934065}],"sentiment":"neutral","sentiment_score":-0.044628637062536704,"num_words":37,"start":1752.51,"end":1764.025},{"sentences":[{"text":"I don't I don't want anything to do with that.","start":1764.025,"end":1765.545,"sentiment":"negative","sentiment_score":-0.3994994848966599},{"text":"He's not touching my super.","start":1765.545,"end":1766.665,"sentiment":"neutral","sentiment_score":-0.25177517235279084},{"text":"So I'm not touching his super, and I'm not touching that.","start":1766.665,"end":1769.5,"sentiment":"neutral","sentiment_score":-0.09928370673548091},{"text":"But he'll get income from that, so that needs to then be reflected across to me at some stage somehow.","start":1770.52,"end":1777.08,"sentiment":"neutral","sentiment_score":0.07227598167955876},{"text":"So I think that's why I need to go in child support now to work with that.","start":1777.08,"end":1780.38,"sentiment":"neutral","sentiment_score":-0.13097073532202663}],"sentiment":"neutral","sentiment_score":-0.11312657701117652,"num_words":63,"start":1764.025,"end":1780.38},{"sentences":[{"text":"I don't want him to give me the money.","start":1781.16,"end":1782.9551,"sentiment":"neutral","sentiment_score":-0.12534869420859548},{"text":"It just needs to be there so that it's on a statement because I think they're on a statement.","start":1782.9551,"end":1787.1151,"sentiment":"neutral","sentiment_score":-0.08441698668818724},{"text":"What does it say?","start":1787.1151,"end":1787.995,"sentiment":"neutral","sentiment_score":-0.061097814701497555},{"text":"You'll pay...","start":1787.995,"end":1788.555,"sentiment":"neutral","sentiment_score":-0.03233469929546118},{"text":"You you should have paid x amount, I think.","start":1788.555,"end":1791.515,"sentiment":"neutral","sentiment_score":-0.007353864196274016}],"sentiment":"neutral","sentiment_score":-0.0722629402352627,"num_words":43,"start":1781.16,"end":1791.515},{"sentences":[{"text":"Doesn't it?","start":1791.515,"end":1792.0751,"sentiment":"neutral","sentiment_score":0.004008952062577009},{"text":"It's like when you get cash with it, it says you should pay transport.","start":1792.0751,"end":1802.65,"sentiment":"neutral","sentiment_score":0.01701812100197588},{"text":"Yep.","start":1803.27,"end":1803.77,"sentiment":"neutral","sentiment_score":0.0815960243344307},{"text":"Yep.","start":1832.63,"end":1833.13,"sentiment":"neutral","sentiment_score":0.1574711799621582},{"text":"Yeah.","start":1835.8151,"end":1836.3151,"sentiment":"neutral","sentiment_score":0.09739822149276732}],"sentiment":"neutral","sentiment_score":0.030670369681166976,"num_words":19,"start":1791.515,"end":1836.3151},{"sentences":[{"text":"Yeah.","start":1852.16,"end":1852.48,"sentiment":"neutral","sentiment_score":0.08477361500263214},{"text":"Right.","start":1852.48,"end":1852.98,"sentiment":"neutral","sentiment_score":0.11260826885700226},{"text":"Yeah.","start":1872.995,"end":1873.235,"sentiment":"neutral","sentiment_score":-0.011073817498981953},{"text":"No.","start":1873.235,"end":1873.475,"sentiment":"neutral","sentiment_score":-0.08389563858509064},{"text":"That's that's what I thought would happen.","start":1873.475,"end":1875.875,"sentiment":"neutral","sentiment_score":-0.09254633103098188}],"sentiment":"neutral","sentiment_score":-0.04958289904011921,"num_words":11,"start":1852.16,"end":1875.875},{"sentences":[{"text":"Yeah.","start":1875.875,"end":1876.195,"sentiment":"neutral","sentiment_score":-0.04257456213235855},{"text":"It's sort of an...","start":1876.195,"end":1877.1549,"sentiment":"neutral","sentiment_score":-0.04510943032801151},{"text":"Yeah.","start":1877.1549,"end":1877.5549,"sentiment":"neutral","sentiment_score":-0.03325829282402992},{"text":"But anyway...","start":1877.5549,"end":1878.195,"sentiment":"neutral","sentiment_score":-0.03785913996398449},{"text":"I mean, there's some of the guys here I was talking to them because it's...","start":1878.195,"end":1881.9501,"sentiment":"neutral","sentiment_score":-0.04967775146166484}],"sentiment":"neutral","sentiment_score":-0.046832831657451134,"num_words":23,"start":1875.875,"end":1881.9501},{"sentences":[{"text":"Go over last year is not what you're currently working at.","start":1881.9501,"end":1885.7101,"sentiment":"neutral","sentiment_score":-0.12004181336272847},{"text":"Yeah.","start":1885.7101,"end":1886.1901,"sentiment":"neutral","sentiment_score":-0.06044114008545875},{"text":"And that's what I don't like about time support.","start":1886.1901,"end":1888.4501,"sentiment":"neutral","sentiment_score":-0.15954915351337856},{"text":"Yeah.","start":1890.1101,"end":1890.43,"sentiment":"neutral","sentiment_score":-0.12379013001918791},{"text":"Which is what I don't like about it because your job circumstances might change, and you might not be earning that much money.","start":1890.43,"end":1896.225,"sentiment":"neutral","sentiment_score":-0.27173534359620966}],"sentiment":"neutral","sentiment_score":-0.20423436669839753,"num_words":45,"start":1881.9501,"end":1896.225},{"sentences":[{"text":"Yeah.","start":1896.225,"end":1896.725,"sentiment":"neutral","sentiment_score":-0.0047981105744838715},{"text":"Anyway, that's that's okay.","start":1897.585,"end":1899.605,"sentiment":"neutral","sentiment_score":0.04395407810807228},{"text":"Why are they changing color?","start":1899.665,"end":1901.105,"sentiment":"neutral","sentiment_score":-0.03483854420483112},{"text":"Oh, they are different colors.","start":1901.105,"end":1902.485,"sentiment":"neutral","sentiment_score":-0.043408957123756406},{"text":"I'm just looking at cards, and I'm like, no different colors.","start":1903.825,"end":1907.8801,"sentiment":"neutral","sentiment_score":-0.053799102252179924}],"sentiment":"neutral","sentiment_score":-0.031231131906119678,"num_words":26,"start":1896.225,"end":1907.8801},{"sentences":[{"text":"No.","start":1909.18,"end":1909.68,"sentiment":"neutral","sentiment_score":-0.052098892629146576},{"text":"Yeah.","start":1909.9801,"end":1910.2201,"sentiment":"neutral","sentiment_score":-0.03225018084049225},{"text":"They are.","start":1910.2201,"end":1910.9601,"sentiment":"neutral","sentiment_score":-0.030538705177605152},{"text":"Okay.","start":1911.26,"end":1911.66,"sentiment":"neutral","sentiment_score":-0.028041591867804527},{"text":"I don't know.","start":1911.66,"end":1912.2201,"sentiment":"neutral","sentiment_score":-0.05844217290480932}],"sentiment":"neutral","sentiment_score":-0.0435993243008852,"num_words":8,"start":1909.18,"end":1912.2201},{"sentences":[{"text":"Is it the same same, I'm guessing?","start":1912.2201,"end":1913.76,"sentiment":"neutral","sentiment_score":-0.04712080529757908},{"text":"God.","start":1914.14,"end":1914.38,"sentiment":"neutral","sentiment_score":-0.18348196148872375},{"text":"I hate it when I'm looking at stuff.","start":1914.38,"end":1915.8401,"sentiment":"neutral","sentiment_score":-0.2636289428919554},{"text":"Sorry, Dana.","start":1916.4601,"end":1917.18,"sentiment":"neutral","sentiment_score":-0.046008167788386345},{"text":"That's my squirrel brain.","start":1917.18,"end":1918.175,"sentiment":"neutral","sentiment_score":-0.06343117356300354}],"sentiment":"neutral","sentiment_score":-0.1349136441607367,"num_words":22,"start":1912.2201,"end":1918.175},{"sentences":[{"text":"Off it goes again.","start":1918.175,"end":1922.275,"sentiment":"neutral","sentiment_score":0.03804762219078839},{"text":"Okay.","start":1926.255,"end":1926.755,"sentiment":"positive","sentiment_score":0.3922941386699677},{"text":"Thanks.","start":1927.135,"end":1927.635,"sentiment":"positive","sentiment_score":0.5038864016532898},{"text":"You can do a Tracy invite.","start":1927.695,"end":1928.895,"sentiment":"positive","sentiment_score":0.429787481824557},{"text":"I love it when I ring cat.","start":1928.895,"end":1930.355,"sentiment":"positive","sentiment_score":0.5548959374427795}],"sentiment":"positive","sentiment_score":0.39533513063859,"num_words":19,"start":1918.175,"end":1930.355},{"sentences":[{"text":"Thanks for paying me to ring her.","start":1931.62,"end":1933.32,"sentiment":"positive","sentiment_score":0.3962963478905814},{"text":"Yeah.","start":1943.22,"end":1943.72,"sentiment":"neutral","sentiment_score":0.06223177537322045},{"text":"So I am next...","start":1943.78,"end":1945.4,"sentiment":"neutral","sentiment_score":0.023248501121997833},{"text":"I'm doing my will.","start":1945.46,"end":1946.725,"sentiment":"neutral","sentiment_score":0.011604925151914358},{"text":"And I am...","start":1947.025,"end":1948.0651,"sentiment":"neutral","sentiment_score":-0.0030059264972805977}],"sentiment":"neutral","sentiment_score":0.1561422176953209,"num_words":19,"start":1931.62,"end":1948.0651},{"sentences":[{"text":"What am I doing?","start":1948.0651,"end":1948.7051,"sentiment":"neutral","sentiment_score":-0.022729777032509446},{"text":"I'm doing my will, and I'm doing to make sure that I have...","start":1948.7051,"end":1951.345,"sentiment":"neutral","sentiment_score":-0.002441755003439119},{"text":"What is it?","start":1951.345,"end":1951.8251,"sentiment":"neutral","sentiment_score":-0.01237316895276308},{"text":"A legal representative.","start":1951.8251,"end":1952.885,"sentiment":"neutral","sentiment_score":-0.011109874273339907},{"text":"LPR, legal person.","start":1953.345,"end":1954.805,"sentiment":"neutral","sentiment_score":0.0030749883056463054}],"sentiment":"neutral","sentiment_score":-0.007072541843696784,"num_words":26,"start":1948.0651,"end":1954.805},{"sentences":[{"text":"Right.","start":1973.635,"end":1973.7949,"sentiment":"neutral","sentiment_score":0.10873354971408844},{"text":"That's cool.","start":1973.7949,"end":1974.455,"sentiment":"neutral","sentiment_score":0.30839261412620544},{"text":"Mhmm.","start":1983.7949,"end":1984.2949,"sentiment":"neutral","sentiment_score":0.13030047714710236},{"text":"Yeah.","start":2015.3201,"end":2015.48,"sentiment":"neutral","sentiment_score":0.1685009002685547},{"text":"Cool.","start":2015.48,"end":2015.98,"sentiment":"neutral","sentiment_score":0.24660906195640564}],"sentiment":"neutral","sentiment_score":0.21182153622309366,"num_words":6,"start":1973.635,"end":2015.98},{"sentences":[{"text":"Okay.","start":2019.3201,"end":2019.8201,"sentiment":"neutral","sentiment_score":0.22837978601455688},{"text":"Yeah.","start":2031.635,"end":2031.9551,"sentiment":"neutral","sentiment_score":0.07839052379131317},{"text":"Because it'll just...","start":2031.9551,"end":2032.755,"sentiment":"neutral","sentiment_score":0.05186711251735687},{"text":"Like, if I change my will, like, if something happened to my brother, then I just have to nominate a different...","start":2032.755,"end":2036.915,"sentiment":"neutral","sentiment_score":0.06452631843941552},{"text":"I mean, the post worker's name, my will instead of having to change my forms.","start":2036.915,"end":2039.875,"sentiment":"neutral","sentiment_score":0.06788344184557597}],"sentiment":"neutral","sentiment_score":0.06916282834803186,"num_words":41,"start":2019.3201,"end":2039.875},{"sentences":[{"text":"Right?","start":2039.875,"end":2040.375,"sentiment":"neutral","sentiment_score":0.07437606155872345},{"text":"Is that what happens?","start":2040.995,"end":2041.895,"sentiment":"neutral","sentiment_score":0.0650984663516283},{"text":"Yeah.","start":2042.275,"end":2042.775,"sentiment":"neutral","sentiment_score":0.14801213145256042},{"text":"Makes it easier.","start":2042.915,"end":2043.795,"sentiment":"positive","sentiment_score":0.4326655864715576},{"text":"Yeah.","start":2043.795,"end":2044.115,"sentiment":"neutral","sentiment_score":0.15761901438236237}],"sentiment":"neutral","sentiment_score":0.19383978322148324,"num_words":10,"start":2039.875,"end":2044.115},{"sentences":[{"text":"Makes it easier.","start":2044.115,"end":2044.935,"sentiment":"neutral","sentiment_score":0.20490245521068573},{"text":"K.","start":2053.28,"end":2053.78,"sentiment":"neutral","sentiment_score":0.1584692895412445},{"text":"Awesome.","start":2054.32,"end":2054.82,"sentiment":"positive","sentiment_score":0.7178233861923218},{"text":"That makes so much easier.","start":2056.08,"end":2057.04,"sentiment":"positive","sentiment_score":0.5833914399147033},{"text":"Doesn't it?","start":2057.04,"end":2058.795,"sentiment":"neutral","sentiment_score":0.08234139159321785}],"sentiment":"positive","sentiment_score":0.381053335343798,"num_words":12,"start":2044.115,"end":2058.795},{"sentences":[{"text":"Alright.","start":2059.6748,"end":2059.9949,"sentiment":"neutral","sentiment_score":0.15197506546974182},{"text":"Well, you enjoy.","start":2059.9949,"end":2060.815,"sentiment":"neutral","sentiment_score":0.27184395492076874},{"text":"Oh, some fish.","start":2061.9949,"end":2062.895,"sentiment":"neutral","sentiment_score":0.2062575767437617},{"text":"Yeah.","start":2068.075,"end":2068.395,"sentiment":"neutral","sentiment_score":0.0731026902794838},{"text":"No.","start":2068.395,"end":2068.7148,"sentiment":"neutral","sentiment_score":-0.021039530634880062}],"sentiment":"neutral","sentiment_score":0.1820380911231041,"num_words":9,"start":2059.6748,"end":2068.7148},{"sentences":[{"text":"I'll eat at my desk.","start":2068.7148,"end":2069.4348,"sentiment":"neutral","sentiment_score":0.09819218367338181},{"text":"It's fine.","start":2069.4348,"end":2070.1748,"sentiment":"neutral","sentiment_score":0.09506435319781303},{"text":"Thank you.","start":2071.355,"end":2072.095,"sentiment":"positive","sentiment_score":0.5259345769882202},{"text":"Thank you.","start":2074.321,"end":2075.1409,"sentiment":"positive","sentiment_score":0.6043875813484192},{"text":"You too, Dana.","start":2076.6409,"end":2077.521,"sentiment":"positive","sentiment_score":0.5003757476806641}],"sentiment":"neutral","sentiment_score":0.31734722746270044,"num_words":14,"start":2068.7148,"end":2077.521},{"sentences":[{"text":"Bye bye.","start":2077.521,"end":2078.181,"sentiment":"neutral","sentiment_score":0.27224595844745636},{"text":"Bye.","start":2080.321,"end":2080.821,"sentiment":"neutral","sentiment_score":-0.116732157766819}],"sentiment":"neutral","sentiment_score":0.14258658637603125,"num_words":3,"start":2077.521,"end":2080.821}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Dana.\n\nChannel 0: Hi, Catherine. It's Dana. How are you?\n\nChannel 1: Camina. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to go through your updated statement of advice today. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. I'll do my lunch\n\nChannel 0: Yes.\n\nChannel 1: break now. I did send you an email. Like, I've only got half an hour. So\n\nChannel 0: Oh,\n\nChannel 1: is that\n\nChannel 0: no.\n\nChannel 1: alright?\n\nChannel 0: That's okay.\n\nChannel 1: Would that work?\n\nChannel 0: So... Yeah. Yeah. That's okay. I'm so sorry.\n\nI didn't actually get that email to you just now. I do apologize.\n\nChannel 1: No. No. That's okay. I thought just\n\nChannel 0: Yeah.\n\nChannel 1: so you know.\n\nChannel 0: No. That's absolutely fine. This is a nice easy one. So I'll... Did you...\n\nAre you able to access your email there just to open the document with me as well?\n\nChannel 1: Let\n\nChannel 0: If\n\nChannel 1: me just\n\nChannel 0: you can't,\n\nChannel 1: talk\n\nChannel 0: that's\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: them.\n\nChannel 0: I can just run you through it.\n\nChannel 1: No. Yes, ma'am. I believe that the statement is not...\n\nChannel 0: It is.\n\nChannel 1: That I signed.\n\nChannel 0: Yeah.\n\nChannel 1: Did I sign it? Yep.\n\nChannel 0: Oh, no. This is just coming through now to you.\n\nChannel 1: Oh, yeah. Okay. Well, let me...\n\nChannel 0: That's alright. How's everything been going for you since since we last caught up?\n\nChannel 1: Well, you'll be happy to know I've done my financial settlement.\n\nChannel 0: Fantastic. Congratulations. That is good. One less thing to worry about. And the last thing we were sort of talking about was that you're also down the track looking in a few months and maybe you could drop in hours.\n\nIs that the next thing on your list to look at doing? Or\n\nChannel 1: Yes. But I have to work out the money side of things because now it's $400 more to add to my mortgage instead.\n\nChannel 0: yeah.\n\nChannel 1: Fortnight.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, wow. No. Well, do let me know how you go with that one and if you, you know, you decide to go, we can go through and update everything for you. With this advice document here... Also, before I jump into everything, I do have to let you know I record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine. Why is this not\n\nChannel 0: Beautiful.\n\nChannel 1: coming through? What is it?\n\nChannel 0: I've had a kind of trouble with OdoSign lately. It sometimes comes through on some devices, not others. It takes longer on some devices. I don't know if it's OdoSign itself or if it's just the Internet connection between the devices.\n\nChannel 1: Do you wanna try and send it to my work email?\n\nChannel 0: I can.\n\nChannel 1: Can you\n\nChannel 0: Yep.\n\nChannel 1: do that?\n\nChannel 0: I can.\n\nChannel 1: Uh-uh.\n\nChannel 0: I've just got to... Oh, I've\n\nChannel 1: It\n\nChannel 0: gotta\n\nChannel 1: might\n\nChannel 0: redo\n\nChannel 1: also\n\nChannel 0: the whole\n\nChannel 1: be\n\nChannel 0: new...\n\nChannel 1: lost it.\n\nChannel 0: No. That's\n\nChannel 1: Oh,\n\nChannel 0: okay. I've\n\nChannel 1: hang\n\nChannel 0: got it\n\nChannel 1: on then.\n\nChannel 0: a whole new... Is it coming through? Because I could just reply back to do some of the copy of it for you until it pops through. Nothing as of yet?\n\nChannel 1: Oh, honey. What's this? Sign request. Same next website.\n\nChannel 0: That sounds\n\nChannel 1: Is\n\nChannel 0: like\n\nChannel 1: that\n\nChannel 0: it\n\nChannel 1: it?\n\nChannel 0: has come through. That's a positive sign.\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: And then I clicked on sign document. Oh, yeah.\n\nChannel 0: And when you go forward, it should bring up the statement of advice with your name on the front. Is that the right one you're seeing?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: First\n\nChannel 0: Fantastic.\n\nChannel 1: of October. With that. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Alright..\n\nChannel 0: Beautiful. All good. Excellent. So what\n\nChannel 1: Sorry.\n\nChannel 0: I'll do on the front... No. You're absolutely fine. Essentially, with this one here, we were looking at super. We did sort of note in the last review that there's some underperforming investments.\n\nSo I went back and had a look at the super as well as the investments within that to see how we can get\n\nChannel 1: Mhmm.\n\nChannel 0: things working a little bit harder for you. Also, looking at trying to reduce any fees within the funds there for you as well. So this advice document has been prepared for yourself with today's date. That all of our advice is valid for six days. You can take some time to read it later on if you wish to.\n\nChannel 1: Yes.\n\nChannel 0: And on the bottom there, it's got my authorized representative number as a licensed financial adviser for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: As you do kind of scroll through the pages there, we have the best interest to the outline, the table of contents, and the scoping in and out areas. So this one here is limited to superannuation, and I've also included the estate planning in there just to have all your beneficiaries updated to legal personal representative. So in the event that something occurs or happens to yourself so that Kelly can still receive the funds, we talked about having it passed through your estate going to Hayden who\n\nChannel 1: Yes.\n\nChannel 0: can then... Oh, sorry. Going to Michael and\n\nChannel 1: Yeah.\n\nChannel 0: controlled\n\nChannel 1: I I read that.\n\nChannel 0: by Hayden\n\nChannel 1: I should've\n\nChannel 0: for the\n\nChannel 1: read\n\nChannel 0: preference\n\nChannel 1: that.\n\nChannel 0: of Michael. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: I read that as you were saying it. Yep.\n\nChannel 0: Yeah. Beautiful. So maybe because it... You know, it was all not not ending up controlled by Hayden that Michael will be able to receive the funds to your brother so that, you know, he could support Kelly's needs and make sure that he was supportive financially longer term there. So just kind of breaking that down, and that is the last section in here for you.\n\nI have scoped out any other additional areas like insurances, cash flow and budgeting, Social Security, and any debt related advice. And I'm not providing advice on the retirement drawdown aspect at the moment either just because you're too young for that. That's something we need to look at when you get a bit closer to retiring, and we'll absolutely look at that for you then.\n\nChannel 1: I don't know. I\n\nChannel 0: Okay.\n\nChannel 1: wouldn't mind doing it. Let me not.\n\nChannel 0: Look. We always forget everything back in the back end. It's just a little bit too close to... It's it's too far away at the moment to be able to put that into an advice document. It has looked very nice.\n\nIt'll probably come out saying you're gonna have about $4,000,000 at the end of the the time frame, which is great, but market conditions and changes to your circumstances have a much bigger effect than that. So\n\nChannel 1: Yeah.\n\nChannel 0: I limit that for the time being.\n\nChannel 1: Yes. That's fair.\n\nChannel 0: If... Yeah. So that I don't take up all of your lunch break, if you can go\n\nChannel 1: You're\n\nChannel 0: to page\n\nChannel 1: up.\n\nChannel 0: 16 for me, I'll take you to the recommendations that I've made.\n\nChannel 1: It's what? Did you say sixteen? Seven\n\nChannel 0: Sixteen.\n\nChannel 1: eight\n\nChannel 0: Yeah. It's...\n\nChannel 1: nine\n\nChannel 0: The heading should say strategy recommendation.\n\nChannel 1: seven twelve fourteen. Here we go.\n\nChannel 0: Beautiful. So with this one here, Catherine,\n\nChannel 1: Yep.\n\nChannel 0: I did look at BC Panorama where you are currently with your super as opposed to any other funds out there. There were other funds that did have lower administration fees. However, when I had a look at moving you consequences were gonna be too high. So,\n\nChannel 1: Yep.\n\nChannel 0: realistically, what I look at is when we sell down your entire portfolio and move you to somewhere else, we essentially note that the CDT comes off your balance, and we have to find a way to be able to make that back nice and quickly. Realistically, it didn't work out into your benefit to do so.\n\nChannel 1: Yep.\n\nChannel 0: So remaining within BT actually works in your favor. Because of the\n\nChannel 1: Okay.\n\nChannel 0: capital losses that have been received by Ben along being an underperforming investment, I was able to alter your portfolio and offset any gains by the loss that had already been received by the underperforming investment. So it actually means that with making the alterations and keeping you in the BT product, there's no\n\nChannel 1: No.\n\nChannel 0: capital gains consequences for your super, which will be a benefit to you.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. I'll... That's kind of just outlining the reasoning and the best interest for retaining you in the fund that you are currently. If you go down, you'll see there are advantages, disadvantages, and risks involved, and now alternatives\n\nChannel 1: Mhmm.\n\nChannel 0: that have been considered as well. If you go down to page 21 for me, I'll take you through a\n\nChannel 1: Yep.\n\nChannel 0: little bit more around the reasoning.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So you'll see here with the current... It's got your current balance there of 285,047. Within BC Panorama, you've also got admin fees, investment fees, and any other fees applicable to fund contributions and insurance premiums currently coming out there as well. With the recommended, your balance will stay exactly as it is now because there are no CGT consequences because we've been able to offset any gains to changing a portfolio by the losses that have been seen already by Benelon, which is a positive thing.\n\nWith BT, we're changing the portfolio. It does mean altering the cash percentage, so it does mean the admin fees do go up slightly by about $25. But your investment fees changed significantly. The newer portfolio is a lot cheaper. It's actually reducing your admin fees...\n\nSo investment fees to $589. So it's saving you 1,140 for the 30 on investment fees. And when I look\n\nChannel 1: Mhmm.\n\nChannel 0: at the the difference with increasing your admin fees with the reduction of investment fees all up, you're saving over $1,115 in fees. So it did work out a lot better to do this switch, and there's no CGT consequences, so it does work in your benefit, which again is a positive thing. The ongoing service fee remains. It does just decrease just slightly, which is a positive thing as well, saves you expected about $85 and net contributions going in. And then we've also got insurance payments remaining the same with this one.\n\nWhen I looked at how the investors have been performing and whilst your portfolio has been receiving some great returns, over the past sort of five year rolling average, the current portfolio sort of been generating an average about 5.56%. So I wasn't overly impressed with that. We wanna get those returns as high as possible. This year\n\nChannel 1: Yes.\n\nChannel 0: is definitely having quite an effect on the market as a whole and the returns as a whole, but still making sure that we can make the best of any investments that you're in. So the newer portfolio has averaged about 10.71% there, so we wanna try and get the best we can. And this newer portfolio shows that it has performed better. It can generate much better returns even in a volatile environment like it has been over the past couple of years there. With the projections underneath that, you'll see with the current portfolio, the current scenario, if it's able to...\n\nWhat it has over the past of the five years, you're expected to end up with about 333 and 5 thou... Five years, sorry, or a little over 383,000 in ten years there. So with the newer portfolio recommended fee savings for you as well and also the much better past performance, you can\n\nChannel 1: Yep.\n\nChannel 0: see yourself in a much greater position over the next five to ten years, which is exactly what I would like to see happen for you. Yeah.\n\nChannel 1: And that's only if, like, there's no downs in the market and stuff. That's kind of if it continues to perform the way it has, like, the trend. Yeah? Like, it's not\n\nChannel 0: Yes.\n\nChannel 1: guaranteed.\n\nChannel 0: This is...\n\nChannel 1: That's just a trend. Yeah.\n\nChannel 0: No. Yes. This\n\nChannel 1: Yeah.\n\nChannel 0: is basically\n\nChannel 1: Yeah. Cool.\n\nChannel 0: saying if this portfolio can obtain about a 10.71% over the next five years on a regular basis, which is pretty average for a portfolio. A lot of portfolios, you know, one year we might expect or be able to get, you know, a 15 or 20% return. Another year, it could be a 4% return. Another year, it could be 10 or 11 or 12. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Yep.\n\nChannel 0: the same... It's the same average that it has been able to obtain, and this has been in a pretty volatile environment. This portfolio, while I don't expect this exact return every year, could average this over the next sort of five years given the ups\n\nChannel 1: Yeah.\n\nChannel 0: and downs,\n\nChannel 1: Yep.\n\nChannel 0: and it could show you in a much better position there. One of\n\nChannel 1: Yep.\n\nChannel 0: the main things that I do sort of would look at changing is if you do happen to reduce your hours and do kinda go back into part time work, then we will come back and definitely revisit a lot of this because that will affect your insurances, and that will also change the contributions going in. So that\n\nChannel 1: K.\n\nChannel 0: could have a a longer term effect on the projected outcome. So if that's the case,\n\nChannel 1: Yeah.\n\nChannel 0: we'll definitely come back and reevaluate where things are at for you.\n\nChannel 1: I'll\n\nChannel 0: Okay?\n\nChannel 1: probably only reduce my hours for six months anyway.\n\nChannel 0: Yeah.\n\nChannel 1: That would just be... We'll just see it start next\n\nChannel 0: Yeah.\n\nChannel 1: year where I'm sitting. Yeah. But I'll continue this year and just see it out and see what\n\nChannel 0: Absolutely. Yeah. Absolutely.\n\nChannel 1: happens here. Trying to get that\n\nChannel 0: If\n\nChannel 1: budget\n\nChannel 0: you have\n\nChannel 1: under\n\nChannel 0: a\n\nChannel 1: control.\n\nChannel 0: look... Absolutely.\n\nChannel 1: No more add to cart.\n\nChannel 0: Yeah. Yeah. One of those things. And and so that doesn't help with everything going\n\nChannel 1: Mhmm.\n\nChannel 0: up and the fuel going back up in price again, and the cost of living is just phenomenal.\n\nChannel 1: Yeah. I'm like, do I get solar put on and then go and buy a new car? No. No. I doubt that cost too much out\n\nChannel 0: Yeah. Yeah. Yeah. It's a big one. It's like it's it's a good idea and all, but then the upfront cost, and is there another loan, and the interest on the loan, and the long term effect of those sorts\n\nChannel 1: later on\n\nChannel 0: of\n\nChannel 1: now. Don't expect that. Well, I've got my loan sorted now. So it is what it is, and I've got money sitting there. So\n\nChannel 0: things? Yeah.\n\nChannel 1: that's all that I've got to do in a payment. Tuesday.\n\nChannel 0: Yeah.\n\nChannel 1: Like,\n\nChannel 0: Yeah.\n\nChannel 1: it's just all back to mine. So... Yeah. Okay. Cool.\n\nChannel 0: Beautiful. That's that's okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Just keep keep going and chatting with me. If there's anything research wise you want me to sort of look at for you, just let me know. I'm always happy to jump in and see what I can help you with. Do\n\nChannel 1: Thank\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: see? That's okay. If you go down to page number 22, this sort of shows you the difference in the two portfolios with the current and the recommended and how they\n\nChannel 1: Yeah.\n\nChannel 0: have kind of performed over the past twelve months, three years, and five years. So you can see quite a bit of a difference, but you can sort of see with the recommended portfolio, and this is including this year, which has had quite a lot of volatility in it, that this portfolio can generate higher than 10% returns, and it's sort of averaged around about that 10 to 14% on a yearly basis. So it's not\n\nChannel 1: Yep.\n\nChannel 0: doing too bad at all. It does have potential to get much greater returns. It's just looking at, you know, what it's done over the past with the ups and downs that we've been going through in the last sort of five years, essentially.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Excellent. If you go down to page 23, this is essentially the change in the investments that I wanted to sort of show you. This is the page that everyone really some people like to look at, some people go, no. I'm not that interested.\n\nChannel 1: I don't get it. Move on. No.\n\nChannel 0: Yeah. No. Honestly, it is a lot, but it's honestly really easy. So what you're sort of looking at there is the first line is your current\n\nChannel 1: Mhmm.\n\nChannel 0: investments as well as anything that we wanna put into the portfolio. The ACI, our code, you don't have to worry about that. It's a formality for us so we understand\n\nChannel 1: Yep.\n\nChannel 0: what investments they've put you in. You've got your current weighting. So your current percentage of the investment you have in the portfolio currently and then your current balance in that portfolio currently as well. With the buy sales we have here, so, essentially, you've got about 13% in physical gold at the moment. You're a bit overexposed,\n\nChannel 1: Mhmm.\n\nChannel 0: so you wanna cement some of the gains and rebalance you back. So bring you back to 10% there. Okay? The Benelon concentrated Australian equities, that is going completely because it has been under performing, not doing well at all right now. So we're just removing that wholly from your portfolio.\n\nThe Vanguard fixed interest investment, again, is underperforming a little bit. So we are wanting to remove that completely from your portfolio as well.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The beta share cybersecurity, that is a good investment. Has been a lot of volatility in the market this year, but it is still good to keep within your portfolio there. You've got about 6.84%. We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing.\n\nChannel 1: Mhmm.\n\nChannel 0: You've also got the iShares Europe. They're giving you exposure to all the European countries. It's about 4% there at the moment. We wanna hold 8%. We'll buy a little bit more of that investment for you.\n\nWith this bottom one, the European investment, we don't need to hold two investments in Europe. We just gotta hold one. It makes them more cost effective as well, so we are gonna\n\nChannel 1: Mhmm.\n\nChannel 0: remove this one investment out of there for you. We are keeping some Japanese exposure. It is what they have done quite well. They were actually very well prepared for this year with the fuel crisis, so\n\nChannel 1: Mhmm.\n\nChannel 0: we are keeping that well within the portfolio and just wanna hold 5% total for you.\n\nChannel 1: Yeah.\n\nChannel 0: The next one is the S and P 500. It's tracking the top 500 companies on The US. You're only slightly over invested in that investment at the moment. They're selling 2,500 to bring you back to 30% just to be the portfolio. There is a lot of volatility in The US at the moment, but it is still a positive place to be invested.\n\nLong term, we do still see really good growth coming out of those sort of investments there. The... One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment. This is essentially just giving you exposure to the entire globe minus The US Of A. We don't need The US in this investment because we have the S and P 500 above there, but it is giving you exposure to the rest of the globe.\n\nIt's looking at emerging markets as well as already established markets on all the exchanges.\n\nChannel 1: Mhmm.\n\nChannel 0: And one of the biggest things about reducing risk is making sure we diversify as much as possible. So this is one way to do that. It's also Vanguard and ETF, and it's a low cost to hold this investment as well. So it's positive. Yeah.\n\nSo we'll hold 8% in this investment for you. Because we have gotten rid of Van Alon to the underperformance there, I'm replacing it with the BetaShares Australia 200. This is tracking the top 200 companies on the ASX. One of the biggest things I do like about swap is that it's a lower cost investment. Then along, it costs a little bit more to hold.\n\nIt also only generally held about 15 to 25 different investment options depending on what the then along investment committee had decided to invest in. Whereas the BetaShares a 200, you're tracking the top 200 companies across the Australian ASX. So you are tracking a much greater range of investments that give you greater diversification and lowering your investment fees along the way positive. And then the last one is core composite bonds. So this is defensive in nature.\n\nIt is good for income production. We're looking at government as well as core funds, so all, you know, good quality bonds, giving regular coupon payments, which is income paid into your cash account, which can be redistributed across your portfolio. One of the good things I do like about all these investments are they are all ETFs. Aside from gold, most of them produce a lot of... Not a lot.\n\nThey produce the dividends every year. We want dividends and income to be reduced out of your portfolio, paid to your cash account to have that reinvested back in, and that helps with the compounding effect as well for you. Yeah.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Other than that...\n\nChannel 1: That actually is easy\n\nChannel 0: Yeah.\n\nChannel 1: when you explain it. Going from\n\nChannel 0: It's\n\nChannel 1: the\n\nChannel 0: not\n\nChannel 1: red\n\nChannel 0: too bad.\n\nChannel 1: into the green and\n\nChannel 0: Absolutely. Down just a little bit further, I did look at your cash account. It is a little bit high, so I am just reinvesting a bit over 16,000 back into your portfolio.\n\nChannel 1: this.\n\nChannel 0: I did flag that with the investment committee going, hey. This is a bit high. We do not wanna hold this much cash. So they will look to reinvest that back into your portfolio for you. Beautiful.\n\nDo you have any questions so far at all, Catherine? No? Easy. All good. Underneath that, I've also got on page 26 for you just a recommendation with setting up the LPR, the legal personal representative on your beneficiary nominations there.\n\nOther than the best interest, which is basically how and why I came to the decision and why recommending you do the LPR is preferable, but also\n\nChannel 1: Mhmm.\n\nChannel 0: making sure that your will is set up to reflect receiving the funds and then having them distributed through Michael as essentially, you know, the fund distributor for any money that Kelly is to receive if you were to pass away at the end of the day. So so, yeah, feel free to have a bit of a read through that. I've also got the advantages, disadvantages, risks involved. I've also added in there the adding... Setting up and, you know, redoing of a will and power of attorney with any advantages, disadvantages, risks, and alternatives considered for you.\n\nSo you've got a bit... Yeah. You're welcome to read over, have a look at that. And if you find you do happen to have any questions, you are welcome to let me know.\n\nChannel 1: Thank you.\n\nChannel 0: So you see, it's a nice, easy document for you. Essentially,\n\nChannel 1: It's great.\n\nChannel 0: to make this a bit easier, once you've kind of taken your time to read it over, if you're happy to proceed with everything, you'll just sign and return it back. We'll complete the investment switch with NBT for you. We'll make sure we catch up prior to your Cal Polycom coming off the premium holiday for your trauma, and we'll make sure we send out those beneficiary nominations for you. And then if you, you know, need a solicitor, we can always just tell you or pass some information on some local solicitors that can also assist you with doing up your will and power of attorney and making sure everything is set up correctly for you. Yeah.\n\nChannel 1: I have\n\nChannel 0: Easy.\n\nChannel 1: got one of those.\n\nChannel 0: Beautiful.\n\nChannel 1: I have got a legal representative now,\n\nChannel 0: Yeah. I figured\n\nChannel 1: which is\n\nChannel 0: you probably do. You've probably\n\nChannel 1: helpful.\n\nChannel 0: got quite a few quite\n\nChannel 1: I'm\n\nChannel 0: a\n\nChannel 1: actually\n\nChannel 0: few counsels that you're able to refer to.\n\nChannel 1: thinking of changing to another one. Great with the execution of the documents for court. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Wow.\n\nChannel 1: I'm... Yeah. I was just like, we're gonna use her again. But...\n\nChannel 0: Yeah. No. You want them to do everything properly, especially when it comes to what you're just being true, all that legal stuff. That makes a big difference.\n\nChannel 1: Yeah. It's not happening again.\n\nChannel 0: Yeah. No. I understand that. That is for sure. To look after you and Kelly now.\n\nChannel 1: Yep. That's exactly right.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Next document.\n\nChannel 0: No. All good.\n\nChannel 1: I\n\nChannel 0: All\n\nChannel 1: have\n\nChannel 0: good. Well, feel\n\nChannel 1: signed\n\nChannel 0: free to\n\nChannel 1: up.\n\nChannel 0: take some time to re...\n\nChannel 1: No.\n\nChannel 0: Yeah. If you want\n\nChannel 1: I've\n\nChannel 0: me\n\nChannel 1: signed\n\nChannel 0: to, I\n\nChannel 1: it.\n\nChannel 0: can always email you and I'll... You're okay with that? Beautiful. Easy.\n\nChannel 1: Yeah. Now what's the next step? Oh, yeah. It will be a five three and stuff.\n\nChannel 0: Yep.\n\nChannel 1: I doing quick enough?\n\nChannel 0: Beautiful.\n\nChannel 1: I thought I\n\nChannel 0: If\n\nChannel 1: clicked\n\nChannel 0: you ever\n\nChannel 1: on\n\nChannel 0: did\n\nChannel 1: all.\n\nChannel 0: what... It might just need to... This is a bit funny. It doesn't kinda work the same way DocuSign used to. Once you kinda press sign, it sometimes pops up with a button that says next or continue.\n\nIs there anything that says that? And then it sometimes makes you click on this... The date button as well just to confirm the date.\n\nChannel 1: Yeah. Account. Loading. Yeah.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Well, if I\n\nChannel 0: Did\n\nChannel 1: don't do\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: want\n\nChannel 1: now,\n\nChannel 0: me to\n\nChannel 1: I'll\n\nChannel 0: email...\n\nChannel 1: forget. Mhmm. Yeah. If you can email\n\nChannel 0: Did...\n\nChannel 1: me a copy of it, that'd be great.\n\nChannel 0: Absolutely.\n\nChannel 1: Because\n\nChannel 0: Absolutely.\n\nChannel 1: that way\n\nChannel 0: That\n\nChannel 1: then\n\nChannel 0: way, you've\n\nChannel 1: I can\n\nChannel 0: got some time\n\nChannel 1: read it\n\nChannel 0: to read\n\nChannel 1: properly,\n\nChannel 0: it over.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: And\n\nChannel 1: have\n\nChannel 0: if\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: copy\n\nChannel 0: find you have any\n\nChannel 1: to\n\nChannel 0: questions...\n\nChannel 1: take to my lawyer.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. But, look, honestly,\n\nChannel 1: You're\n\nChannel 0: thank\n\nChannel 1: a\n\nChannel 0: you. I\n\nChannel 1: gem.\n\nChannel 0: enjoyed putting this together for you.\n\nChannel 1: Thank\n\nChannel 0: Once\n\nChannel 1: you.\n\nChannel 0: we kinda get it all back, we'll get the investments which completed. That's what remove you out of those underperforming investments and get things working a bit harder for you. The... Moving forward, I know, you know, there's some things that might come and change in the next few months. Did you wanna do a catch up with me?\n\nDid you want me to give you a call in just a few months to see how things are going and do\n\nChannel 1: Yeah.\n\nChannel 0: a catch up before Chrissy or\n\nChannel 1: That'd be\n\nChannel 0: after?\n\nChannel 1: good. Because I'm...\n\nChannel 0: Yep.\n\nChannel 1: What I might\n\nChannel 0: Yep.\n\nChannel 1: try and do is set up my... Like, look at my spreadsheet and expenses again because health insurance is probably one of the ones that I need to review.\n\nChannel 0: Yep.\n\nChannel 1: I just can't think of anywhere else. I could save it anyway. Apart from spending, like, daily food,\n\nChannel 0: Yeah.\n\nChannel 1: fuel.\n\nChannel 0: Yeah.\n\nChannel 1: So I'll try and get you that in the next couple of weeks. And then,\n\nChannel 0: Yep.\n\nChannel 1: I mean, if you can have a look at it, and then I'm gonna just need... Bring in a couple of months maybe.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: See how\n\nChannel 0: I'll\n\nChannel 1: I've\n\nChannel 0: see\n\nChannel 1: been\n\nChannel 0: what I can\n\nChannel 1: going\n\nChannel 0: definitely do\n\nChannel 1: with it\n\nChannel 0: all.\n\nChannel 1: and see if there's anything\n\nChannel 0: Yeah.\n\nChannel 1: I should be doing differently. Yeah.\n\nChannel 0: Yeah. Absolutely. I can look at that for you. It's not a problem at all. Beautiful.\n\nAnd, yeah, I'll touch base in probably maybe... Did you want sort of November or just maybe December to touch base and see how things are going as well? Or\n\nChannel 1: Yeah. Maybe mid to end. That might be smart. By the time I get it to you, and it'd probably be\n\nChannel 0: yep.\n\nChannel 1: a month. But... Yeah. And then just the disabled\n\nChannel 0: Catch\n\nChannel 1: house being fully and stuff. So...\n\nChannel 0: up.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Absolutely. Beautiful. Not a problem at all. Have you\n\nChannel 1: Two\n\nChannel 0: spoken to an accountant and organized to get your tax return done for last financial year as well, see if there's any kind of refund\n\nChannel 1: e.\n\nChannel 0: that could\n\nChannel 1: It's\n\nChannel 0: provide some\n\nChannel 1: all\n\nChannel 0: assistance?\n\nChannel 1: done. It's all done.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah. I did get a good tax return. I've also got\n\nChannel 0: Nice.\n\nChannel 1: a very awesome family benefit. But whatever that is, the the... You know, from Centrelink, I got 7\n\nChannel 0: Yep.\n\nChannel 1: grand. And then\n\nChannel 0: Oh,\n\nChannel 1: I got the childcare.\n\nChannel 0: fantastic.\n\nChannel 1: Yeah. I won't get that again, but... And then I got the childcare rebate balancing, like, last week, which was\n\nChannel 0: Yes.\n\nChannel 1: $1,500. That's not bad. I've got,\n\nChannel 0: Yeah.\n\nChannel 1: like, 8\n\nChannel 0: Excellent.\n\nChannel 1: grand in total, which is not bad. So... And that's my current salary. So not\n\nChannel 0: Yeah.\n\nChannel 1: bad.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Not bad.\n\nChannel 0: No. That's\n\nChannel 1: Not\n\nChannel 0: really\n\nChannel 1: bad.\n\nChannel 0: good.\n\nChannel 1: Yeah. So I'll probably just see how we go and continue? Yeah. I'm just gonna see how we go. He's fine now at the moment and try and see if I can get my son to...\n\nIf I pick him up at three, then maybe see if he can\n\nChannel 0: Yes.\n\nChannel 1: do stuff at home and, yeah, start a workspace in the. So he's got a guest, and he can do his phone work with me on the day... On the three days because I can't reduce my own. I mean, I just can't see how I'm gonna make ends meet because I, you know, look at my pay. So I get $3 in my hand or\n\nChannel 0: Yep.\n\nChannel 1: 2,800 in my hand. 1,200 of that is going to my home loan a fortnight. So what's that? 2,800.\n\nChannel 0: Yeah.\n\nChannel 1: That leaves\n\nChannel 0: It\n\nChannel 1: me\n\nChannel 0: does\n\nChannel 1: with\n\nChannel 0: make\n\nChannel 1: 4\n\nChannel 0: a\n\nChannel 1: 8\n\nChannel 0: bit of\n\nChannel 1: 100\n\nChannel 0: a difference.\n\nChannel 1: dollars. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So that would leave me $4,800 to pay home insurance, home rates, home insurance, car insurance, fuel, health insurance, emergency services levy, power, electricity, Power, electricity, water. And that... I haven't\n\nChannel 0: All\n\nChannel 1: even\n\nChannel 0: the\n\nChannel 1: eaten\n\nChannel 0: things\n\nChannel 1: anything.\n\nChannel 0: that keep giving.\n\nChannel 1: And then I haven't even eaten anything\n\nChannel 0: Yeah.\n\nChannel 1: yet. So it's not... Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm just not sure if\n\nChannel 0: It's\n\nChannel 1: I can\n\nChannel 0: a\n\nChannel 1: even\n\nChannel 0: lot.\n\nChannel 1: reduce it back to that. Whatever I think it was, but just try and get that thing court now, and it's all settled. Now I'm gonna do a submission to transport.\n\nChannel 0: Yes.\n\nChannel 1: Now that's\n\nChannel 0: Yep.\n\nChannel 1: on record then, and it'll just be recorded that he's currently paying the school fees, and then we'll just see what\n\nChannel 0: Yep.\n\nChannel 1: happens. Right. Because then if it's... Oh,\n\nChannel 0: Yeah.\n\nChannel 1: if I\n\nChannel 0: Yeah.\n\nChannel 1: wasn't paying\n\nChannel 0: Definitely.\n\nChannel 1: the school fees, I'd be like, well, now I need to pay this for money or better better\n\nChannel 0: Yes.\n\nChannel 1: be putting that away because when I need it, I'm gonna ask for it. So...\n\nChannel 0: Yeah. Absolutely. Definitely. You may as well do that to protect yourself, but one of the things that I honestly... I don't know if I wish I would have done, but it it probably would have got me more money than I would have...\n\nThan I did get. I got nothing in child support when my kids were young and my ex left. And then when I tried to go to child support, he quit his job. So I was getting nothing, couldn't get anything, and\n\nChannel 1: He won't quite\n\nChannel 0: they\n\nChannel 1: disturb.\n\nChannel 0: kinda never chased him for it. But nowadays, they do try a little bit harder to get the money and have a lot more kind of control around it. So\n\nChannel 1: Yeah. And he's got shared now with with the company he works for. I think 10 points.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: I don't know how that works. Right? I don't know how I understand that, and I just let that go through. I don't I don't want anything to do with that. He's not touching my super.\n\nSo I'm\n\nChannel 0: Yeah.\n\nChannel 1: not touching his super,\n\nChannel 0: Yeah.\n\nChannel 1: and I'm not touching that. But\n\nChannel 0: Yeah.\n\nChannel 1: he'll get income from that, so that needs to then be reflected across to me at some stage\n\nChannel 0: Absolutely.\n\nChannel 1: somehow. So I\n\nChannel 0: Yeah.\n\nChannel 1: think that's why I need to go in child support now to work with that. I don't\n\nChannel 0: Yeah.\n\nChannel 1: want him to give me\n\nChannel 0: Yeah.\n\nChannel 1: the money. It just needs to be there so that it's on a statement because I think they're on a statement. What does it say? You'll pay... You you should have paid x amount, I think.\n\nDoesn't\n\nChannel 0: Yep. Yep.\n\nChannel 1: it? It's like when you get cash with it, it says you should pay\n\nChannel 0: Yeah. So when... What they essentially do is when you both see your tax return every year, that'll get... Kinda gets consolidated,\n\nChannel 1: transport.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: you get a letter that says how much you've earned, how much he has earned, and how much has to be paid based on this for the next year, essentially, per month, per week, or however they distribute it. And it's... Yeah. So they basically tell you in advance how much you're supposed to get for the next twelve months, so that's what you can tell me. And that's kind of reflective.\n\nThey do also account that as part of Centrelink when you are divorced. So that's one of the questions they'll ask is are you getting child support?\n\nChannel 1: Yep.\n\nChannel 0: And they'll try to sort of account that as well. So, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: just declare that all the things. And then at the end of the year with the rebalancing, they check how much has been paid because with the child support, they know what your tax returns are. They know how much should have been paid, and they check to make sure what has been paid.\n\nChannel 1: Yeah. Right.\n\nChannel 0: And then as soon as it doesn't quite meet what should have been paid, they should be able to go back and go after the next sort of money, you know, kind of rebalance it or getting to pay back a bit more if it hasn't kinda equaled out. So they can definitely do that. It's been a while since I've dealt with child support, so it could be a little bit different. But, yes, that's how it's\n\nChannel 1: Yeah.\n\nChannel 0: supposed\n\nChannel 1: No. That's\n\nChannel 0: to work.\n\nChannel 1: that's what I thought would happen. Yeah. It's sort of an... Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But anyway... I mean, there's some of the guys here I was\n\nChannel 0: Yeah.\n\nChannel 1: talking to them because it's... Go over last year is not what you're currently working at. Yeah. And that's\n\nChannel 0: Yes.\n\nChannel 1: what I don't like\n\nChannel 0: Yeah.\n\nChannel 1: about\n\nChannel 0: It goes\n\nChannel 1: time\n\nChannel 0: in\n\nChannel 1: support.\n\nChannel 0: the last tax return. Yeah.\n\nChannel 1: Yeah. Which is what I don't like about it because your job circumstances might change, and you might not be earning that much money.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway,\n\nChannel 0: Definitely. Yep.\n\nChannel 1: that's that's okay. Why are they changing color? Oh, they are different colors. I'm just looking at cards, and I'm like, no different colors. No.\n\nYeah. They are. Okay. I don't know. Is it the same same, I'm guessing?\n\nGod. I hate it when I'm looking at stuff. Sorry, Dana. That's my squirrel brain. Off it\n\nChannel 0: No.\n\nChannel 1: goes\n\nChannel 0: You're you're absolutely fine.\n\nChannel 1: again.\n\nChannel 0: It's not a problem at all. I actually really enjoy our conversations. They're great.\n\nChannel 1: Okay. Thanks. You can do a Tracy invite. I love it when I ring cat.\n\nChannel 0: I do.\n\nChannel 1: Thanks for paying me to ring her.\n\nChannel 0: No. It's all good. Honestly, you go on whatever terms that you need. You use me as a sounding board for whatever you possibly need. That's what I'm here for.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: So I am next...\n\nChannel 0: Yeah.\n\nChannel 1: I'm doing my will. And I am... What am I doing? I'm doing my will, and I'm doing to make sure that I have... What is it?\n\nA legal representative. LPR,\n\nChannel 0: Yep.\n\nChannel 1: legal person.\n\nChannel 0: Yes. So what we'll do is we'll send out the beneficiary nominations for you... For it to be filled out to legal personal representative because that just basically means the money goes from your life insurance and your suit card to your will. Your legal personal representative is essentially your estate. So inside\n\nChannel 1: Right. That's cool.\n\nChannel 0: your will, your lawyer just needs to state that the the proceeds to be received as well as everything else that you own and however you want that distributed, your super\n\nChannel 1: Mhmm.\n\nChannel 0: and your life insurance proceeds. And if you need, I can send you a copy at the time when you go to see them. We can send you a copy of the life insurance, some insured, and your super balance so that can all be accounted for. And then you just... In the body of the will has to be noted how they want...\n\nHow do you want that distributed, noting that, you know, you want everything to go to Michael so he can look after Kelly and any directions that you have for Michael on how you want that money to be distributed, looked after to make Kelly believes the best benefit.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Easy. Yeah. I'll get the team to do other beneficiary forms, and we can pre fill it with LPR for you and pre fill those forms as much as possible. Are you happy to meet out that organized?\n\nChannel 1: Yeah. Because it'll just... Like, if I change my will, like, if something happened to my brother, then I just have to nominate a different... I mean, the post worker's name, my will instead of having to change my forms. Right?\n\nIs that\n\nChannel 0: Yeah.\n\nChannel 1: what happens?\n\nChannel 0: That's exactly right.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Makes it\n\nChannel 0: So\n\nChannel 1: easier.\n\nChannel 0: with\n\nChannel 1: Yeah.\n\nChannel 0: LPR,\n\nChannel 1: Makes it easier.\n\nChannel 0: it always goes to your state. If something happens to your brother, you just pick another guardian or another person, and you just have your will updated. It does make it easier for you. Yeah.\n\nChannel 1: K. Awesome. That makes so\n\nChannel 0: Easy.\n\nChannel 1: much easier. Doesn't\n\nChannel 0: All good.\n\nChannel 1: it?\n\nChannel 0: It\n\nChannel 1: Alright.\n\nChannel 0: does.\n\nChannel 1: Well, you\n\nChannel 0: It\n\nChannel 1: enjoy.\n\nChannel 0: does.\n\nChannel 1: Oh, some\n\nChannel 0: Thank\n\nChannel 1: fish.\n\nChannel 0: you so much for your time today. I'll let you go so you can dump and and hopefully eat before you go back to work.\n\nChannel 1: Yeah. No.\n\nChannel 0: But if you need anything in\n\nChannel 1: I'll eat at my desk.\n\nChannel 0: the\n\nChannel 1: It's\n\nChannel 0: meantime,\n\nChannel 1: fine.\n\nChannel 0: let me know.\n\nChannel 1: Thank you.\n\nChannel 0: I do the same thing. Anytime\n\nChannel 1: Thank you.\n\nChannel 0: you have a great afternoon.\n\nChannel 1: You too, Dana. Bye bye.\n\nChannel 0: Thanks, Cass. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello, Dana.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.08856746554374695}],"sentiment":"neutral","sentiment_score":0.08856746554374695,"channel":1,"num_words":2,"start":1.8399999,"end":2.6599998},{"sentences":[{"text":"Hi, Catherine.","start":3.1999998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.19407707452774048},{"text":"It's Dana.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.24307196587324142},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2794474760691325}],"sentiment":"neutral","sentiment_score":0.24466292985848018,"channel":0,"num_words":7,"start":3.1999998,"end":5.2999997},{"sentences":[{"text":"Camina.","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2234068214893341},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.2197213570276896}],"sentiment":"neutral","sentiment_score":0.22064272314310074,"channel":1,"num_words":4,"start":5.3599997,"end":6.58},{"sentences":[{"text":"I'm very well.","start":6.7999997,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6839568416277567},{"text":"Thank you.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.7483576834201813},{"text":"I had you booked in just to go through your updated statement of advice today.","start":8.08,"end":11.28,"sentiment":"positive","sentiment_score":0.3878009299437205},{"text":"Is now still a good time there for you?","start":11.28,"end":13.46,"sentiment":"neutral","sentiment_score":0.29874837895234424}],"sentiment":"positive","sentiment_score":0.41566673280863925,"channel":0,"num_words":29,"start":6.7999997,"end":13.46},{"sentences":[{"text":"Yeah.","start":13.674999,"end":13.915,"sentiment":"neutral","sentiment_score":0.12854105234146118},{"text":"That's fine.","start":13.915,"end":14.635,"sentiment":"neutral","sentiment_score":0.18837617337703705},{"text":"I'll do my lunch","start":14.635,"end":15.674999,"sentiment":"neutral","sentiment_score":0.13208581507205963}],"sentiment":"neutral","sentiment_score":0.14766237991196768,"channel":1,"num_words":7,"start":13.674999,"end":15.674999},{"sentences":[{"text":"Yes.","start":15.44,"end":15.94,"sentiment":"neutral","sentiment_score":0.10193727165460588}],"sentiment":"neutral","sentiment_score":0.10193727165460588,"channel":0,"num_words":1,"start":15.44,"end":15.94},{"sentences":[{"text":"break now.","start":15.674999,"end":16.395,"sentiment":"neutral","sentiment_score":0.09091641381382942},{"text":"I did send you an email.","start":16.395,"end":17.435,"sentiment":"neutral","sentiment_score":0.04619103173414866},{"text":"Like, I've only got half an hour.","start":17.435,"end":18.875,"sentiment":"neutral","sentiment_score":0.019625904570732797},{"text":"So","start":18.875,"end":19.375,"sentiment":"neutral","sentiment_score":-0.004273043945431709}],"sentiment":"neutral","sentiment_score":0.03700545663014054,"channel":1,"num_words":16,"start":15.674999,"end":19.375},{"sentences":[{"text":"Oh,","start":19.975,"end":20.215,"sentiment":"neutral","sentiment_score":-0.02311006560921669}],"sentiment":"neutral","sentiment_score":-0.02311006560921669,"channel":0,"num_words":1,"start":19.975,"end":20.215},{"sentences":[{"text":"is that","start":19.994999,"end":20.395,"sentiment":"neutral","sentiment_score":-0.039328875951468945}],"sentiment":"neutral","sentiment_score":-0.039328875951468945,"channel":1,"num_words":2,"start":19.994999,"end":20.395},{"sentences":[{"text":"no.","start":20.215,"end":20.455,"sentiment":"neutral","sentiment_score":-0.03991181775927544}],"sentiment":"neutral","sentiment_score":-0.03991181775927544,"channel":0,"num_words":1,"start":20.215,"end":20.455},{"sentences":[{"text":"alright?","start":20.395,"end":20.895,"sentiment":"neutral","sentiment_score":-0.01083056442439556}],"sentiment":"neutral","sentiment_score":-0.01083056442439556,"channel":1,"num_words":1,"start":20.395,"end":20.895},{"sentences":[{"text":"That's okay.","start":20.455,"end":21.195,"sentiment":"neutral","sentiment_score":0.03448229469358921}],"sentiment":"neutral","sentiment_score":0.03448229469358921,"channel":0,"num_words":2,"start":20.455,"end":21.195},{"sentences":[{"text":"Would that work?","start":20.955,"end":21.855,"sentiment":"neutral","sentiment_score":0.03798643251260122}],"sentiment":"neutral","sentiment_score":0.03798643251260122,"channel":1,"num_words":3,"start":20.955,"end":21.855},{"sentences":[{"text":"So...","start":21.735,"end":22.235,"sentiment":"neutral","sentiment_score":-0.0010344702750444412},{"text":"Yeah.","start":22.375,"end":22.775,"sentiment":"neutral","sentiment_score":0.011277456767857076},{"text":"Yeah.","start":22.775,"end":23.095001,"sentiment":"neutral","sentiment_score":0.01912311464548111},{"text":"That's okay.","start":23.095001,"end":23.495,"sentiment":"neutral","sentiment_score":0.030648387037217617},{"text":"I'm so sorry.","start":23.495,"end":24.135,"sentiment":"neutral","sentiment_score":-0.10854395727316539}],"sentiment":"neutral","sentiment_score":-0.029371124575845897,"channel":0,"num_words":8,"start":21.735,"end":24.135},{"sentences":[{"text":"I didn't actually get that email to you just now.","start":24.135,"end":26.135,"sentiment":"neutral","sentiment_score":-0.11148188412189483},{"text":"I do apologize.","start":26.135,"end":26.875,"sentiment":"neutral","sentiment_score":-0.11077984670797984}],"sentiment":"neutral","sentiment_score":-0.11131987548791446,"channel":0,"num_words":13,"start":24.135,"end":26.875},{"sentences":[{"text":"No.","start":27.47,"end":27.63,"sentiment":"neutral","sentiment_score":-0.10655993223190308},{"text":"No.","start":27.63,"end":27.789999,"sentiment":"neutral","sentiment_score":-0.1145438626408577},{"text":"That's okay.","start":27.789999,"end":28.429998,"sentiment":"neutral","sentiment_score":-0.07155058160424232},{"text":"I thought just","start":28.429998,"end":29.55,"sentiment":"neutral","sentiment_score":-0.040470365434885025}],"sentiment":"neutral","sentiment_score":-0.06937372205512864,"channel":1,"num_words":7,"start":27.47,"end":29.55},{"sentences":[{"text":"Yeah.","start":29.369999,"end":29.869999,"sentiment":"neutral","sentiment_score":-0.007714859209954739}],"sentiment":"neutral","sentiment_score":-0.007714859209954739,"channel":0,"num_words":1,"start":29.369999,"end":29.869999},{"sentences":[{"text":"so you know.","start":29.55,"end":30.369999,"sentiment":"neutral","sentiment_score":-0.01636902615427971}],"sentiment":"neutral","sentiment_score":-0.01636902615427971,"channel":1,"num_words":3,"start":29.55,"end":30.369999},{"sentences":[{"text":"No.","start":31.289999,"end":31.529999,"sentiment":"neutral","sentiment_score":0.0006127320230007172},{"text":"That's absolutely fine.","start":31.529999,"end":33.13,"sentiment":"neutral","sentiment_score":0.1960682471593221},{"text":"This is a nice easy 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heading should say strategy recommendation.","start":387.065,"end":389.245,"sentiment":"neutral","sentiment_score":0.016000972129404545}],"sentiment":"neutral","sentiment_score":0.016000972129404545,"channel":0,"num_words":6,"start":387.065,"end":389.245},{"sentences":[{"text":"seven twelve fourteen.","start":390.00998,"end":394.66998,"sentiment":"neutral","sentiment_score":0.011918268787364164},{"text":"Here we go.","start":394.72998,"end":395.69498,"sentiment":"neutral","sentiment_score":0.07773525392015775}],"sentiment":"neutral","sentiment_score":0.04482676135376096,"channel":1,"num_words":6,"start":390.00998,"end":395.69498},{"sentences":[{"text":"Beautiful.","start":397.54,"end":398.04,"sentiment":"positive","sentiment_score":0.526029646396637},{"text":"So with this one here, Catherine,","start":398.34,"end":400.02,"sentiment":"neutral","sentiment_score":0.2680637687444687}],"sentiment":"neutral","sentiment_score":0.30491603698049274,"channel":0,"num_words":7,"start":397.54,"end":400.02},{"sentences":[{"text":"Yep.","start":399.91498,"end":400.41498,"sentiment":"neutral","sentiment_score":0.1908792555332184}],"sentiment":"neutral","sentiment_score":0.1908792555332184,"channel":1,"num_words":1,"start":399.91498,"end":400.41498},{"sentences":[{"text":"I did look at BC Panorama where you are currently with your super as opposed to any other funds out there.","start":400.02,"end":406.36,"sentiment":"neutral","sentiment_score":0.08792973859679132},{"text":"There were other funds that did have lower administration fees.","start":406.58,"end":408.42728,"sentiment":"neutral","sentiment_score":0.03218897804617882},{"text":"However, when I had a look at moving you consequences were gonna be too high.","start":408.42728,"end":416.255,"sentiment":"neutral","sentiment_score":-0.14848506649335225},{"text":"So,","start":416.255,"end":416.755,"sentiment":"neutral","sentiment_score":0.046432975679636}],"sentiment":"neutral","sentiment_score":-0.00026444107928174607,"channel":0,"num_words":47,"start":400.02,"end":416.755},{"sentences":[{"text":"Yep.","start":416.80002,"end":417.30002,"sentiment":"neutral","sentiment_score":0.0642864927649498}],"sentiment":"neutral","sentiment_score":0.0642864927649498,"channel":1,"num_words":1,"start":416.80002,"end":417.30002},{"sentences":[{"text":"realistically, what I look at is when we sell down your entire portfolio and move you to somewhere else, we essentially note that the CDT comes off your balance, and we have to find a way to be able to make that back nice and quickly.","start":417.055,"end":431.45,"sentiment":"neutral","sentiment_score":0.02789060982025188},{"text":"Realistically, it didn't work out into your benefit to do so.","start":431.99,"end":435.53,"sentiment":"neutral","sentiment_score":-0.04063248397274451}],"sentiment":"neutral","sentiment_score":0.014666854877743805,"channel":0,"num_words":57,"start":417.055,"end":435.53},{"sentences":[{"text":"Yep.","start":436.13498,"end":436.63498,"sentiment":"neutral","sentiment_score":0.15255843102931976}],"sentiment":"neutral","sentiment_score":0.15255843102931976,"channel":1,"num_words":1,"start":436.13498,"end":436.63498},{"sentences":[{"text":"So remaining within BT actually works in your favor.","start":436.15,"end":439.545,"sentiment":"neutral","sentiment_score":0.24621784852610695},{"text":"Because of the","start":439.785,"end":440.345,"sentiment":"neutral","sentiment_score":0.1458294838666916}],"sentiment":"neutral","sentiment_score":0.2211207573612531,"channel":0,"num_words":12,"start":436.15,"end":440.345},{"sentences":[{"text":"Okay.","start":440.19,"end":440.69,"sentiment":"neutral","sentiment_score":0.08511453866958618}],"sentiment":"neutral","sentiment_score":0.08511453866958618,"channel":1,"num_words":1,"start":440.19,"end":440.69},{"sentences":[{"text":"capital losses that have been received by Ben along being an underperforming investment, I was able to alter your portfolio and offset any gains by the loss that had already been received by the underperforming investment.","start":440.345,"end":453.165,"sentiment":"neutral","sentiment_score":0.07251768186688423},{"text":"So it actually means that with making the alterations and keeping you in the BT product, there's 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involved, and now alternatives","start":474.965,"end":480.505,"sentiment":"neutral","sentiment_score":-0.012899311957880855}],"sentiment":"neutral","sentiment_score":0.09914202118913333,"channel":0,"num_words":39,"start":465.95,"end":480.505},{"sentences":[{"text":"Mhmm.","start":480.10498,"end":480.60498,"sentiment":"neutral","sentiment_score":0.03925048932433128}],"sentiment":"neutral","sentiment_score":0.03925048932433128,"channel":1,"num_words":1,"start":480.10498,"end":480.60498},{"sentences":[{"text":"that have been considered as well.","start":480.565,"end":482.58502,"sentiment":"neutral","sentiment_score":0.03072461113333702},{"text":"If you go down to page 21 for me, I'll take you through a","start":483.65,"end":487.41,"sentiment":"neutral","sentiment_score":0.09200669665421758}],"sentiment":"neutral","sentiment_score":0.07362207099795341,"channel":0,"num_words":20,"start":480.565,"end":487.41},{"sentences":[{"text":"Yep.","start":487.38498,"end":487.88498,"sentiment":"neutral","sentiment_score":0.02847958728671074}],"sentiment":"neutral","sentiment_score":0.02847958728671074,"channel":1,"num_words":1,"start":487.38498,"end":487.88498},{"sentences":[{"text":"little bit more around the 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6.84%.","start":967.92,"end":970.32,"sentiment":"neutral","sentiment_score":0.12537926994264126},{"text":"We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing.","start":970.32,"end":976.29504,"sentiment":"neutral","sentiment_score":0.048229503953321415}],"sentiment":"neutral","sentiment_score":0.10121709327295161,"channel":0,"num_words":57,"start":959.12,"end":976.29504},{"sentences":[{"text":"Mhmm.","start":977.18,"end":977.68,"sentiment":"neutral","sentiment_score":0.07517354190349579}],"sentiment":"neutral","sentiment_score":0.07517354190349579,"channel":1,"num_words":1,"start":977.18,"end":977.68},{"sentences":[{"text":"You've also got the iShares Europe.","start":978.195,"end":980.275,"sentiment":"neutral","sentiment_score":0.11365819225708644},{"text":"They're giving you exposure to all the European countries.","start":980.275,"end":983.335,"sentiment":"neutral","sentiment_score":0.11776908404297298},{"text":"It's about 4% there at the moment.","start":984.03503,"end":986.115,"sentiment":"neutral","sentiment_score":0.09561134236199516},{"text":"We wanna hold 8%.","start":986.115,"end":987.48,"sentiment":"neutral","sentiment_score":0.12088432349264622},{"text":"We'll buy a little bit more of that investment for you.","start":987.48,"end":992.12,"sentiment":"neutral","sentiment_score":0.15865069763226944}],"sentiment":"neutral","sentiment_score":0.12540122363212947,"channel":0,"num_words":37,"start":978.195,"end":992.12},{"sentences":[{"text":"With this bottom one, the European investment, we don't need to hold two investments in Europe.","start":992.12,"end":996.76,"sentiment":"neutral","sentiment_score":0.10035924753174186},{"text":"We just gotta hold one.","start":996.76,"end":997.63995,"sentiment":"neutral","sentiment_score":0.1273224413394928},{"text":"It makes them more cost effective as well, so we are gonna","start":997.63995,"end":1000.51996,"sentiment":"neutral","sentiment_score":0.19981776364147663}],"sentiment":"neutral","sentiment_score":0.14061131305766827,"channel":0,"num_words":33,"start":992.12,"end":1000.51996},{"sentences":[{"text":"Mhmm.","start":1000.425,"end":1000.925,"sentiment":"neutral","sentiment_score":0.0656028687953949}],"sentiment":"neutral","sentiment_score":0.0656028687953949,"channel":1,"num_words":1,"start":1000.425,"end":1000.925},{"sentences":[{"text":"remove this one investment out of there for you.","start":1000.51996,"end":1003.26,"sentiment":"neutral","sentiment_score":0.00914865318271849},{"text":"We are keeping some Japanese exposure.","start":1004.41504,"end":1006.73505,"sentiment":"neutral","sentiment_score":0.17505454272031784},{"text":"It is what they have done quite well.","start":1006.73505,"end":1008.575,"sentiment":"positive","sentiment_score":0.3994983993470669},{"text":"They were actually very well prepared for this year with the fuel 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you.","start":1012.655,"end":1018.115,"sentiment":"neutral","sentiment_score":0.2724966863170266}],"sentiment":"neutral","sentiment_score":0.2724966863170266,"channel":0,"num_words":16,"start":1012.655,"end":1018.115},{"sentences":[{"text":"Yeah.","start":1018.495,"end":1018.995,"sentiment":"neutral","sentiment_score":0.11754397302865982}],"sentiment":"neutral","sentiment_score":0.11754397302865982,"channel":1,"num_words":1,"start":1018.495,"end":1018.995},{"sentences":[{"text":"The next one is the S and P 500.","start":1019.69,"end":1021.85004,"sentiment":"neutral","sentiment_score":0.11937105655670166},{"text":"It's tracking the top 500 companies on The US.","start":1021.85004,"end":1024.5701,"sentiment":"neutral","sentiment_score":0.1197807929582066},{"text":"You're only slightly over invested in that investment at the moment.","start":1024.5701,"end":1028.3301,"sentiment":"neutral","sentiment_score":0.12349691919305107},{"text":"They're selling 2,500 to bring you back to 30% just to be the portfolio.","start":1028.3301,"end":1032.75,"sentiment":"neutral","sentiment_score":0.2698725866419928},{"text":"There is a lot of volatility in The US at the moment, but it is still a positive place to be invested.","start":1033.845,"end":1038.265,"sentiment":"neutral","sentiment_score":0.29051068831573834}],"sentiment":"neutral","sentiment_score":0.2104659094260289,"channel":0,"num_words":65,"start":1019.69,"end":1038.265},{"sentences":[{"text":"Long term, we do still see really good growth coming out of those sort of investments there.","start":1038.565,"end":1043.3049,"sentiment":"positive","sentiment_score":0.4579040057518903},{"text":"The...","start":1045.0449,"end":1045.5449,"sentiment":"neutral","sentiment_score":0.14332227408885956},{"text":"One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment.","start":1045.6849,"end":1051.81,"sentiment":"neutral","sentiment_score":0.22135760164574572},{"text":"This is essentially just giving you exposure to the entire globe minus The US Of A.","start":1051.81,"end":1056.71,"sentiment":"neutral","sentiment_score":0.079888254404068},{"text":"We don't need The US in this investment because we have the S and P 500 above there, but it is giving you exposure to the rest of the globe.","start":1056.77,"end":1064.085,"sentiment":"neutral","sentiment_score":0.1723594143986702}],"sentiment":"neutral","sentiment_score":0.22388529283813682,"channel":0,"num_words":83,"start":1038.565,"end":1064.085},{"sentences":[{"text":"It's looking at emerging markets as well as already established markets on all the exchanges.","start":1064.085,"end":1069.865,"sentiment":"neutral","sentiment_score":0.2208194593588511}],"sentiment":"neutral","sentiment_score":0.2208194593588511,"channel":0,"num_words":15,"start":1064.085,"end":1069.865},{"sentences":[{"text":"Mhmm.","start":1069.755,"end":1070.255,"sentiment":"neutral","sentiment_score":0.1691051721572876}],"sentiment":"neutral","sentiment_score":0.1691051721572876,"channel":1,"num_words":1,"start":1069.755,"end":1070.255},{"sentences":[{"text":"And one of the biggest things about reducing risk is making sure we diversify as much as possible.","start":1070.6449,"end":1075.83,"sentiment":"positive","sentiment_score":0.35899840626451707},{"text":"So this is one way to do that.","start":1075.83,"end":1077.6699,"sentiment":"positive","sentiment_score":0.4822038970887661},{"text":"It's also Vanguard and ETF, and it's a low cost to hold this investment as 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says how much you've earned, how much he has earned, and how much has to be paid based on this for the next year, essentially, per month, per week, or however they distribute it.","start":1803.285,"end":1814.25,"sentiment":"neutral","sentiment_score":0.07291081394904698},{"text":"And it's...","start":1815.11,"end":1816.1699,"sentiment":"neutral","sentiment_score":0.040106285363435745},{"text":"Yeah.","start":1816.5499,"end":1816.7899,"sentiment":"neutral","sentiment_score":0.10110187530517578},{"text":"So they basically tell you in advance how much you're supposed to get for the next twelve months, so that's what you can tell me.","start":1816.7899,"end":1822.25,"sentiment":"neutral","sentiment_score":0.17704739719629287},{"text":"And that's kind of 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you.","start":2074.321,"end":2075.1409,"sentiment":"positive","sentiment_score":0.6043875813484192}],"sentiment":"positive","sentiment_score":0.6043875813484192,"channel":1,"num_words":2,"start":2074.321,"end":2075.1409},{"sentences":[{"text":"you have a great afternoon.","start":2074.755,"end":2076.055,"sentiment":"positive","sentiment_score":0.7408348083496094}],"sentiment":"positive","sentiment_score":0.7408348083496094,"channel":0,"num_words":5,"start":2074.755,"end":2076.055},{"sentences":[{"text":"You too, Dana.","start":2076.6409,"end":2077.521,"sentiment":"positive","sentiment_score":0.5003757476806641},{"text":"Bye bye.","start":2077.521,"end":2078.181,"sentiment":"neutral","sentiment_score":0.27224595844745636}],"sentiment":"positive","sentiment_score":0.409123831987381,"channel":1,"num_words":5,"start":2076.6409,"end":2078.181},{"sentences":[{"text":"Thanks, Cass.","start":2078.9148,"end":2079.4749,"sentiment":"positive","sentiment_score":0.6448088884353638},{"text":"See you later.","start":2079.4749,"end":2080.1948,"sentiment":"positive","sentiment_score":0.5008557140827179},{"text":"Bye.","start":2080.1948,"end":2080.6948,"sentiment":"neutral","sentiment_score":0.2304987609386444}],"sentiment":"positive","sentiment_score":0.5037806133429209,"channel":0,"num_words":6,"start":2078.9148,"end":2080.6948},{"sentences":[{"text":"Bye.","start":2080.321,"end":2080.821,"sentiment":"neutral","sentiment_score":-0.116732157766819}],"sentiment":"neutral","sentiment_score":-0.116732157766819,"channel":1,"num_words":1,"start":2080.321,"end":2080.821}]},"summary":{"result":"success","short":"The speaker advises Catherine on her financial statement and retirement plan, emphasizing the importance of maintaining a positive portfolio for her long-term success. They also discuss investment opportunities and reducing risk while revisiting the portfolio. The speaker emphasizes the need to reduce work hours and maintain a stable income for the customer. They also recommend setting up a legal personal representative and setting up a family benefit and rebate for the customer. The conversation ends with the agent providing information on how to fill out beneficiary forms and reminding the customer to remind them of their beneficiary."},"intents":{"segments":[{"text":"It's Dana. How are you? Camina.","start_word":4,"end_word":9,"intents":[{"intent":"Provide information","confidence_score":0.007124488}]},{"text":"I had you booked in just to go through your updated statement of advice today. Is now still a good time there for you? Yeah.","start_word":18,"end_word":42,"intents":[{"intent":"Go through statement","confidence_score":0.0017559221}]},{"text":"That's absolutely fine. This is a nice easy one. So I'll... Did you... Are you able to access your email there just to open the document with me as well?","start_word":109,"end_word":138,"intents":[{"intent":"Access document","confidence_score":0.067804575}]},{"text":"That I signed. Yeah. Did I sign it?","start_word":169,"end_word":176,"intents":[{"intent":"Confirm signature","confidence_score":0.03147854}]},{"text":"Fantastic. Congratulations.","start_word":219,"end_word":220,"intents":[{"intent":"Congratulate on completion","confidence_score":0.0042653633}]},{"text":"And the last thing we were sort of talking about was that you're also down the track looking in a few months and maybe you could drop in hours. Is that the next thing on your list to look at doing? Or Yes.","start_word":230,"end_word":272,"intents":[{"intent":"Discuss future plans","confidence_score":0.026911741}]},{"text":"But I have to work out the money side of things because now it's $400 more to add to my mortgage instead. yeah.","start_word":273,"end_word":295,"intents":[{"intent":"Discuss finances","confidence_score":0.0027719524}]},{"text":"I've had a kind of trouble with OdoSign lately. It sometimes comes through on some devices, not others. It takes longer on some devices. I don't know if it's OdoSign itself or if it's just the Internet connection between the devices. Do you wanna try and send it to my work email? I can.","start_word":380,"end_word":433,"intents":[{"intent":"Resolve issue","confidence_score":0.16988581}]},{"text":"Do you wanna try and send it to my work email? I can.","start_word":421,"end_word":433,"intents":[{"intent":"Send message","confidence_score":0.0034701354}]},{"text":"Also, looking at trying to reduce any fees within the funds there for you as well.","start_word":647,"end_word":662,"intents":[{"intent":"Update fees","confidence_score":0.00003184816}]},{"text":"So this advice document has been prepared for yourself with today's date. That all of our advice is valid for six days. You can take some time to read it later on if you wish to.","start_word":664,"end_word":699,"intents":[{"intent":"Consult adviser","confidence_score":0.00017426703}]},{"text":"And I'm not providing advice on the retirement drawdown aspect at the moment either just because you're too young for that. That's something we need to look at when you get a bit closer to retiring, and we'll absolutely look at that for you then. I don't know.","start_word":937,"end_word":984,"intents":[{"intent":"Provide advice on retirement drawdown","confidence_score":0.0015392974}]},{"text":"We always forget everything back in the back end. It's just a little bit too close to... It's it's too far away at the moment to be able to put that into an advice document. It has looked very nice.","start_word":995,"end_word":1034,"intents":[{"intent":"Remind about plans","confidence_score":0.0000021497508}]},{"text":"is definitely having quite an effect on the market as a whole and the returns as a whole, but still making sure that we can make the best of any investments that you're in.","start_word":1712,"end_word":1745,"intents":[{"intent":"Optimize portfolio decisions","confidence_score":0.000018943756}]},{"text":"And this newer portfolio shows that it has performed better. It can generate much better returns even in a volatile environment like it has been over the past couple of years there.","start_word":1766,"end_word":1797,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.23135598}]},{"text":"happens here. Trying to get that If budget you have under a control. look... Absolutely.","start_word":2213,"end_word":2227,"intents":[{"intent":"Review savings and budget","confidence_score":0.0009733373}]},{"text":"It's a big one. It's like it's it's a good idea and all, but then the upfront cost, and is there another loan, and the interest on the loan, and the long term effect of those sorts later on of now. Don't expect that.","start_word":2296,"end_word":2339,"intents":[{"intent":"Discuss loan rescheduling","confidence_score":0.000061164086}]},{"text":"Just keep keep going and chatting with me. If there's anything research wise you want me to sort of look at for you, just let me know.","start_word":2391,"end_word":2417,"intents":[{"intent":"Discuss research","confidence_score":0.40177193}]},{"text":"If you go down to page number 22, this sort of shows you the difference in the two portfolios with the current and the recommended and how they Yeah.","start_word":2439,"end_word":2467,"intents":[{"intent":"Provide portfolio comparison","confidence_score":0.0040934095}]},{"text":"We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing.","start_word":2875,"end_word":2896,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.62177444}]},{"text":"We wanna hold 8%. We'll buy a little bit more of that investment for you.","start_word":2920,"end_word":2934,"intents":[{"intent":"Hold investment","confidence_score":0.21077268}]},{"text":"The next one is the S and P 500. It's tracking the top 500 companies on The US. You're only slightly over invested in that investment at the moment. They're selling 2,500 to bring you back to 30% just to be the portfolio.","start_word":3024,"end_word":3066,"intents":[{"intent":"Track companies","confidence_score":0.56534433},{"intent":"Track s and p 500","confidence_score":0.00013153157}]},{"text":"There is a lot of volatility in The US at the moment, but it is still a positive place to be invested. Long term, we do still see really good growth coming out of those sort of investments there. The... One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment.","start_word":3067,"end_word":3125,"intents":[{"intent":"Build diversification","confidence_score":0.0022413281}]},{"text":"And one of the biggest things about reducing risk is making sure we diversify as much as possible.","start_word":3188,"end_word":3205,"intents":[{"intent":"Reducing risk","confidence_score":0.07950883}]},{"text":"Whereas the BetaShares a 200, you're tracking the top 200 companies across the Australian ASX. So you are tracking a much greater range of investments that give you greater diversification and lowering your investment fees along the way positive.","start_word":3325,"end_word":3363,"intents":[{"intent":"Tracking investments","confidence_score":0.15733998}]},{"text":"They produce the dividends every year. We want dividends and income to be reduced out of your portfolio, paid to your cash account to have that reinvested back in, and that helps with the compounding effect as well for you. Yeah.","start_word":3450,"end_word":3490,"intents":[{"intent":"Reducing dividends","confidence_score":0.03154994}]},{"text":"Underneath that, I've also got on page 26 for you just a recommendation with setting up the LPR, the legal personal representative on your beneficiary nominations there.","start_word":3603,"end_word":3629,"intents":[{"intent":"Discuss lpr recommendation","confidence_score":0.033943225}]},{"text":"We'll make sure we catch up prior to your Cal Polycom coming off the premium holiday for your trauma, and we'll make sure we send out those beneficiary nominations for you. And then if you, you know, need a solicitor, we can always just tell you or pass some information on some local solicitors that can also assist you with doing up your will and power of attorney and making sure everything is set up correctly for you. Yeah.","start_word":3847,"end_word":3925,"intents":[{"intent":"Schedule follow-up meetings","confidence_score":0.0019165798}]},{"text":"And then it sometimes makes you click on this... The date button as well just to confirm the date. Yeah. Account.","start_word":4177,"end_word":4197,"intents":[{"intent":"Confirm date","confidence_score":0.64522815}]},{"text":"If you can email Did... me a copy of it, that'd be great. Absolutely.","start_word":4218,"end_word":4231,"intents":[{"intent":"Email copy","confidence_score":0.5001317}]},{"text":"I'll And have if that you copy find you have any to questions... take to my lawyer. Yeah. Yeah.","start_word":4254,"end_word":4272,"intents":[{"intent":"Seek lawyer","confidence_score":0.012731212}]},{"text":"we kinda get it all back, we'll get the investments which completed. That's what remove you out of those underperforming investments and get things working a bit harder for you.","start_word":4298,"end_word":4327,"intents":[{"intent":"Remove underperforming investments","confidence_score":0.121987656}]},{"text":"What I might Yep. try and do is set up my... Like, look at my spreadsheet and expenses again because health insurance is probably one of the ones that I need to review. Yep.","start_word":4393,"end_word":4426,"intents":[{"intent":"Set up schedule","confidence_score":0.004802318},{"intent":"Review spreadsheet","confidence_score":0.7712737},{"intent":"Review spreadsheet","confidence_score":0.02057582},{"intent":"Review expenses","confidence_score":0.44260174},{"intent":"Review expenses","confidence_score":0.0723722}]},{"text":"I just can't think of anywhere else. I could save it anyway. Apart from spending, like, daily food, Yeah. fuel.","start_word":4427,"end_word":4446,"intents":[{"intent":"Save money","confidence_score":0.23475991}]},{"text":"I should be doing differently. Yeah.","start_word":4510,"end_word":4515,"intents":[{"intent":"Discuss different actions","confidence_score":0.036607806}]},{"text":"I can look at that for you. It's not a problem at all. Beautiful. And, yeah, I'll touch base in probably maybe... Did you want sort of November or just maybe December to touch base and see how things are going as well? Or Yeah.","start_word":4518,"end_word":4562,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.0097106295}]},{"text":"I mean, I just can't see how I'm gonna make ends meet because I, you know, look at my pay. So I get $3 in my hand or Yep. 2,800 in my hand.","start_word":4839,"end_word":4871,"intents":[{"intent":"Make ends meet","confidence_score":0.057361696}]},{"text":"That leaves It me does with make 4 a 8 bit of 100 a difference. dollars.","start_word":4887,"end_word":4902,"intents":[{"intent":"Make a difference","confidence_score":0.11800213}]},{"text":"reduce it back to that.","start_word":4971,"end_word":4975,"intents":[{"intent":"Reduce costs","confidence_score":0.40412635}]},{"text":"Now I'm gonna do a submission to transport. Yes.","start_word":4994,"end_word":5002,"intents":[{"intent":"Submit to transport","confidence_score":0.5117462}]},{"text":"Now that's Yep. on record then, and it'll just be recorded that he's currently paying the school fees, and then we'll just see what Yep. happens. Right.","start_word":5003,"end_word":5029,"intents":[{"intent":"Pay school fees","confidence_score":0.05768287}]},{"text":"You may as well do that to protect yourself, but one of the things that I honestly... I don't know if I wish I would have done, but it it probably would have got me more money than I would have... Than I did get.","start_word":5079,"end_word":5123,"intents":[{"intent":"Protect yourself","confidence_score":0.076191805}]},{"text":"And he's got shared now with with the company he works for. I think 10 points.","start_word":5198,"end_word":5213,"intents":[{"intent":"Discuss account details","confidence_score":0.0042439788}]},{"text":"he'll get income from that, so that needs to then be reflected across to me at some stage Absolutely. somehow.","start_word":5267,"end_word":5286,"intents":[{"intent":"Explain income implications","confidence_score":0.00041765708},{"intent":"Confirm income","confidence_score":0.0046462}]},{"text":"you get a letter that says how much you've earned, how much he has earned, and how much has to be paid based on this for the next year, essentially, per month, per week, or however they distribute it. And it's... Yeah.","start_word":5393,"end_word":5434,"intents":[{"intent":"Explain tax return","confidence_score":0.015718091},{"intent":"Explain tax return process","confidence_score":0.16550885}]},{"text":"And then at the end of the year with the rebalancing, they check how much has been paid because with the child support, they know what your tax returns are. They know how much should have been paid, and they check to make sure what has been paid. Yeah.","start_word":5513,"end_word":5561,"intents":[{"intent":"Rebalance payment and income","confidence_score":0.058801603}]},{"text":"I actually really enjoy our conversations. They're great.","start_word":5807,"end_word":5814,"intents":[{"intent":"Enjoy conversations","confidence_score":0.011505622}]},{"text":"So what we'll do is we'll send out the beneficiary nominations for you... For it to be filled out to legal personal representative because that just basically means the money goes from your life insurance and your suit card to your will. Your legal personal representative is essentially your estate. So inside Right.","start_word":5911,"end_word":5963,"intents":[{"intent":"Inform about beneficiary nominations","confidence_score":0.0058080866}]}]},"sentiments":{"segments":[{"text":"Hello, Dana. Hi, Catherine. It's Dana. How are you? Camina. How are you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.20587632060050964},{"text":"I'm very well. Thank you. I had you booked in just to go through your updated statement of advice today.","start_word":13,"end_word":32,"sentiment":"positive","sentiment_score":0.4949810206890106},{"text":"Is now still a good time there for you? Yeah. That's fine. I'll do my lunch Yes. break now. I did send you an email. Like, I've only got half an hour. So Oh, is that no. alright? That's okay. Would that work? So... Yeah. Yeah. That's okay. I'm so sorry. I didn't actually get that email to you just now. I do apologize. No. No. That's okay. I thought just Yeah. so you know. No. That's absolutely fine.","start_word":33,"end_word":111,"sentiment":"neutral","sentiment_score":0.03402620926499367},{"text":"This is a nice easy one.","start_word":112,"end_word":117,"sentiment":"positive","sentiment_score":0.5136792659759521},{"text":"So I'll... Did you... Are you able to access your email there just to open the document with me as well? Let If me just you can't, talk that's to okay. them. I can just run you through it. No. Yes, ma'am. I believe that the statement is not... It is. That I signed. Yeah. Did I sign it? Yep. Oh, no. This is just coming through now to you. Oh, yeah. Okay. Well, let me... That's alright. How's everything been going for you since since we last caught up?","start_word":118,"end_word":207,"sentiment":"neutral","sentiment_score":0.015707535669207573},{"text":"Well, you'll be happy to know I've done my financial settlement. Fantastic. Congratulations. That is good.","start_word":208,"end_word":223,"sentiment":"positive","sentiment_score":0.5279427170753479},{"text":"One less thing to worry about. And the last thing we were sort of talking about was that you're also down the track looking in a few months and maybe you could drop in hours. Is that the next thing on your list to look at doing? Or Yes. But I have to work out the money side of things because now it's $400 more to add to my mortgage instead. yeah. Fortnight. Yeah. Yeah. Oh, wow. No. Well, do let me know how you go with that one and if you, you know, you decide to go, we can go through and update everything for you. With this advice document here... Also, before I jump into everything, I do have to let you know I record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine. Why is this not Beautiful. coming through? What is it? I've had a kind of trouble with OdoSign lately. It sometimes comes through on some devices, not others. It takes longer on some devices. I don't know if it's OdoSign itself or if it's just the Internet connection between the devices. Do you wanna try and send it to my work email? I can. Can you Yep. do that? I can. I've Uh-uh. just got to... Oh, I've It gotta might redo also the whole be new... lost it. No. That's Oh, okay. I've got hang it on a then. whole new... Is it coming through? Because I could just reply back to do some of the copy of it for you until it pops through. Nothing as of yet? Oh, honey. What's this? Sign request. Same next website. That sounds Is like that it it? has come through. That's a positive sign. No. Yep. And then I clicked on sign document. Oh, yeah. And when you go forward, it should bring up the statement of advice with your name on the front. Is that the right one you're seeing? Yep. Yep. Yep.","start_word":224,"end_word":562,"sentiment":"neutral","sentiment_score":-0.008548473010724273},{"text":"Beautiful. First Fantastic. of October.","start_word":563,"end_word":567,"sentiment":"positive","sentiment_score":0.4865773618221283},{"text":"With that. Okay. Yep. Yeah. Alright..","start_word":568,"end_word":573,"sentiment":"neutral","sentiment_score":0.16376788914203644},{"text":"Beautiful. All good.","start_word":574,"end_word":576,"sentiment":"positive","sentiment_score":0.41922083497047424},{"text":"Excellent. So what Sorry. I'll do on the front... No. You're absolutely fine. Essentially, with this one here, we were looking at super. We did sort of note in the last review that there's some underperforming investments. So I went back and had a look at the super as well as the investments within that to see how we can get Mhmm. things working a little bit harder for you. Also, looking at trying to reduce any fees within the funds there for you as well. So this advice document has been prepared for yourself with today's date. That all of our advice is valid for six days. You can take some time to read it later on if you wish to. Yes. And on the bottom there, it's got my authorized representative number as a licensed financial adviser for you as well. Okay. Yep. As you do kind of scroll through the pages there, we have the best interest to the outline, the table of contents, and the scoping in and out areas. So this one here is limited to superannuation, and I've also included the estate planning in there just to have all your beneficiaries updated to legal personal representative. So in the event that something occurs or happens to yourself so that Kelly can still receive the funds, we talked about having it passed through your estate going to Hayden who Yes. can then... Oh, sorry. Going to Michael and Yeah. controlled I I read that. by Hayden I should've for the read preference that. of Michael. Yeah. Yeah. Sorry. I read that as you were saying it. Yep. Yeah.","start_word":577,"end_word":849,"sentiment":"neutral","sentiment_score":0.06271211777032513},{"text":"Beautiful.","start_word":850,"end_word":850,"sentiment":"positive","sentiment_score":0.35770726203918457},{"text":"So maybe because it... You know, it was all not not ending up controlled by Hayden that Michael will be able to receive the funds to your brother so that, you know, he could support Kelly's needs and make sure that he was supportive financially longer term there. So just kind of breaking that down, and that is the last section in here for you. I have scoped out any other additional areas like insurances, cash flow and budgeting, Social Security, and any debt related advice. And I'm not providing advice on the retirement drawdown aspect at the moment either just because you're too young for that. That's something we need to look at when you get a bit closer to retiring, and we'll absolutely look at that for you then. I don't know. I Okay. wouldn't mind doing it. Let me not. Look. We always forget everything back in the back end. It's just a little bit too close to... It's it's too far away at the moment to be able to put that into an advice document.","start_word":851,"end_word":1029,"sentiment":"neutral","sentiment_score":-0.05419934540987015},{"text":"It has looked very nice.","start_word":1030,"end_word":1034,"sentiment":"positive","sentiment_score":0.5322725772857666},{"text":"It'll probably come out saying you're gonna have about $4,000,000 at the end of the the time frame, which is great, but market conditions and changes to your circumstances have a much bigger effect than that. So Yeah. I limit that for the time being. Yes. That's fair. If... Yeah. So that I don't take up all of your lunch break, if you can go You're to page up. 16 for me, I'll take you to the recommendations that I've made. It's what? Did you say sixteen? Seven Sixteen. eight Yeah. It's... nine The heading should say strategy recommendation. seven twelve fourteen. Here we go.","start_word":1035,"end_word":1139,"sentiment":"neutral","sentiment_score":0.027550825849175453},{"text":"Beautiful.","start_word":1140,"end_word":1140,"sentiment":"positive","sentiment_score":0.526029646396637},{"text":"So with this one here, Catherine, Yep. I did look at BC Panorama where you are currently with your super as opposed to any other funds out there. There were other funds that did have lower administration fees. However, when I had a look at moving you consequences were gonna be too high. So, Yep. realistically, what I look at is when we sell down your entire portfolio and move you to somewhere else, we essentially note that the CDT comes off your balance, and we have to find a way to be able to make that back nice and quickly. Realistically, it didn't work out into your benefit to do so. Yep. So remaining within BT actually works in your favor. Because of the Okay. capital losses that have been received by Ben along being an underperforming investment, I was able to alter your portfolio and offset any gains by the loss that had already been received by the underperforming investment. So it actually means that with making the alterations and keeping you in the BT product, there's no No. capital gains consequences for your super, which will be a benefit to you. Okay.","start_word":1141,"end_word":1335,"sentiment":"neutral","sentiment_score":0.07047182321548462},{"text":"Excellent.","start_word":1336,"end_word":1336,"sentiment":"positive","sentiment_score":0.41179394721984863},{"text":"I'll... That's kind of just outlining the reasoning and the best interest for retaining you in the fund that you are currently. If you go down, you'll see there are advantages, disadvantages, and risks involved, and now alternatives Mhmm. that have been considered as well. If you go down to page 21 for me, I'll take you through a Yep. little bit more around the reasoning. Yep.","start_word":1337,"end_word":1403,"sentiment":"neutral","sentiment_score":0.08048633452671677},{"text":"Beautiful.","start_word":1404,"end_word":1404,"sentiment":"positive","sentiment_score":0.6234523057937622},{"text":"So you'll see here with the current... It's got your current balance there of 285,047. Within BC Panorama, you've also got admin fees, investment fees, and any other fees applicable to fund contributions and insurance premiums currently coming out there as well.","start_word":1405,"end_word":1446,"sentiment":"neutral","sentiment_score":0.14855042099952698},{"text":"With the recommended, your balance will stay exactly as it is now because there are no CGT consequences because we've been able to offset any gains to changing a portfolio by the losses that have been seen already by Benelon, which is a positive thing.","start_word":1447,"end_word":1491,"sentiment":"positive","sentiment_score":0.5270944833755493},{"text":"With BT, we're changing the portfolio. It does mean altering the cash percentage, so it does mean the admin fees do go up slightly by about $25. But your investment fees changed significantly.","start_word":1492,"end_word":1524,"sentiment":"neutral","sentiment_score":0.19415542483329773},{"text":"The newer portfolio is a lot cheaper.","start_word":1525,"end_word":1531,"sentiment":"positive","sentiment_score":0.4530094563961029},{"text":"It's actually reducing your admin fees... So investment fees to $589.","start_word":1532,"end_word":1542,"sentiment":"neutral","sentiment_score":0.2328075021505356},{"text":"So it's saving you 1,140 for the 30 on investment fees.","start_word":1543,"end_word":1553,"sentiment":"positive","sentiment_score":0.3636387586593628},{"text":"And when I look Mhmm. at the the difference with increasing your admin fees with the reduction of investment fees all up, you're saving over $1,115 in fees.","start_word":1554,"end_word":1581,"sentiment":"neutral","sentiment_score":0.2828677296638489},{"text":"So it did work out a lot better to do this switch, and there's no CGT consequences, so it does work in your benefit, which again is a positive thing. The ongoing service fee remains. It does just decrease just slightly, which is a positive thing as well, saves you expected about $85 and net contributions going in.","start_word":1582,"end_word":1639,"sentiment":"positive","sentiment_score":0.5116373300552368},{"text":"And then we've also got insurance payments remaining the same with this one. When I looked at how the investors have been performing and whilst your portfolio has been receiving some great returns, over the past sort of five year rolling average, the current portfolio sort of been generating an average about 5.56%. So I wasn't overly impressed with that. We wanna get those returns as high as possible. This year Yes.","start_word":1640,"end_word":1711,"sentiment":"neutral","sentiment_score":0.15344034135341644},{"text":"is definitely having quite an effect on the market as a whole and the returns as a whole, but still making sure that we can make the best of any investments that you're in.","start_word":1712,"end_word":1745,"sentiment":"positive","sentiment_score":0.4396932721138001},{"text":"So the newer portfolio has averaged about 10.71% there, so we wanna try and get the best we can.","start_word":1746,"end_word":1764,"sentiment":"neutral","sentiment_score":0.31788453459739685},{"text":"And this newer portfolio shows that it has performed better. It can generate much better returns even in a volatile environment like it has been over the past couple of years there.","start_word":1765,"end_word":1796,"sentiment":"positive","sentiment_score":0.6147878766059875},{"text":"With the projections underneath that, you'll see with the current portfolio, the current scenario, if it's able to... What it has over the past of the five years, you're expected to end up with about 333 and 5 thou... Five years, sorry, or a little over 383,000 in ten years there.","start_word":1797,"end_word":1847,"sentiment":"neutral","sentiment_score":0.0940081551671028},{"text":"So with the newer portfolio recommended fee savings for you as well and also the much better past performance, you can Yep. see yourself in a much greater position over the next five to ten years, which is exactly what I would like to see happen for you.","start_word":1848,"end_word":1895,"sentiment":"positive","sentiment_score":0.4851100444793701},{"text":"Yeah. And that's only if, like, there's no downs in the market and stuff. That's kind of if it continues to perform the way it has, like, the trend. Yeah? Like, it's not Yes. guaranteed. This is... That's just a trend. Yeah. No. Yes. This Yeah. is basically Yeah. Cool. saying if this portfolio can obtain about a 10.71% over the next five years on a regular basis, which is pretty average for a portfolio. A lot of portfolios, you know, one year we might expect or be able to get, you know, a 15 or 20% return. Another year, it could be a 4% return. Another year, it could be 10 or 11 or 12. So Yeah. it's Yep. the same... It's the same average that it has been able to obtain, and this has been in a pretty volatile environment. This portfolio, while I don't expect this exact return every year, could average this over the next sort of five years given the ups Yeah. and downs, Yep. and it could show you in a much better position there. One of Yep. the main things that I do sort of would look at changing is if you do happen to reduce your hours and do kinda go back into part time work, then we will come back and definitely revisit a lot of this because that will affect your insurances, and that will also change the contributions going in. So that K. could have a a longer term effect on the projected outcome. So if that's the case, Yeah. we'll definitely come back and reevaluate where things are at for you. I'll Okay? probably only reduce my hours for six months anyway. Yeah. That would just be... We'll just see it start next Yeah. year where I'm sitting. Yeah. But I'll continue this year and just see it out and see what Absolutely. Yeah. Absolutely. happens here. Trying to get that If budget you have under a control. look... Absolutely. No more add to cart. Yeah. Yeah. One of those things. And and so that doesn't help with everything going Mhmm. up and the fuel going back up in price again, and the cost of living is just phenomenal. Yeah. I'm like, do I get solar put on and then go and buy a new car? No. No. I doubt that cost too much out Yeah. Yeah. Yeah. It's a big one. It's like it's it's a good idea and all, but then the upfront cost, and is there another loan, and the interest on the loan, and the long term effect of those sorts later on of now. Don't expect that. Well, I've got my loan sorted now. So it is what it is, and I've got money sitting there. So things? Yeah. that's all that I've got to do in a payment. Tuesday. Yeah. Like, Yeah. it's just all back to mine. So... Yeah. Okay.","start_word":1896,"end_word":2384,"sentiment":"neutral","sentiment_score":0.024343546350431344},{"text":"Cool. Beautiful. That's that's okay.","start_word":2385,"end_word":2389,"sentiment":"positive","sentiment_score":0.41803812980651855},{"text":"Mhmm. Just keep keep going and chatting with me. If there's anything research wise you want me to sort of look at for you, just let me know.","start_word":2390,"end_word":2417,"sentiment":"neutral","sentiment_score":0.11682308465242386},{"text":"I'm always happy to jump in and see what I can help you with. Do Thank you you.","start_word":2418,"end_word":2435,"sentiment":"positive","sentiment_score":0.6917067170143127},{"text":"see? That's okay. If you go down to page number 22, this sort of shows you the difference in the two portfolios with the current and the recommended and how they Yeah. have kind of performed over the past twelve months, three years, and five years. So you can see quite a bit of a difference, but you can sort of see with the recommended portfolio, and this is including this year, which has had quite a lot of volatility in it, that this portfolio can generate higher than 10% returns, and it's sort of averaged around about that 10 to 14% on a yearly basis. So it's not Yep. doing too bad at all.","start_word":2436,"end_word":2550,"sentiment":"neutral","sentiment_score":0.15689274668693542},{"text":"It does have potential to get much greater returns.","start_word":2551,"end_word":2559,"sentiment":"positive","sentiment_score":0.41740140318870544},{"text":"It's just looking at, you know, what it's done over the past with the ups and downs that we've been going through in the last sort of five years, essentially. Yeah. Cool.","start_word":2560,"end_word":2591,"sentiment":"neutral","sentiment_score":0.07098612189292908},{"text":"Excellent.","start_word":2592,"end_word":2592,"sentiment":"positive","sentiment_score":0.4021578431129456},{"text":"If you go down to page 23, this is essentially the change in the investments that I wanted to sort of show you. This is the page that everyone really some people like to look at, some people go, no. I'm not that interested. I don't get it. Move on. No. Yeah. No. Honestly, it is a lot, but it's honestly really easy. So what you're sort of looking at there is the first line is your current Mhmm. investments as well as anything that we wanna put into the portfolio. The ACI, our code, you don't have to worry about that. It's a formality for us so we understand Yep. what investments they've put you in. You've got your current weighting. So your current percentage of the investment you have in the portfolio currently and then your current balance in that portfolio currently as well. With the buy sales we have here, so, essentially, you've got about 13% in physical gold at the moment. You're a bit overexposed, Mhmm. so you wanna cement some of the gains and rebalance you back. So bring you back to 10% there. Okay? The Benelon concentrated Australian equities, that is going completely because it has been under performing, not doing well at all right now. So we're just removing that wholly from your portfolio.","start_word":2593,"end_word":2813,"sentiment":"neutral","sentiment_score":0.006165252231499728},{"text":"The Vanguard fixed interest investment, again, is underperforming a little bit.","start_word":2814,"end_word":2824,"sentiment":"negative","sentiment_score":-0.4494485855102539},{"text":"So we are wanting to remove that completely from your portfolio as well. Mhmm. Yep. The beta share cybersecurity, that is a good investment. Has been a lot of volatility in the market this year, but it is still good to keep within your portfolio there. You've got about 6.84%. We just wanna rebalance the fact you've got a little bit too much, So bringing you back to this 5% then rebalancing. Mhmm. You've also got the iShares Europe. They're giving you exposure to all the European countries. It's about 4% there at the moment. We wanna hold 8%. We'll buy a little bit more of that investment for you. With this bottom one, the European investment, we don't need to hold two investments in Europe. We just gotta hold one. It makes them more cost effective as well, so we are gonna Mhmm. remove this one investment out of there for you. We are keeping some Japanese exposure.","start_word":2825,"end_word":2983,"sentiment":"neutral","sentiment_score":0.08418721705675125},{"text":"It is what they have done quite well. They were actually very well prepared for this year with the fuel crisis, so Mhmm.","start_word":2984,"end_word":3006,"sentiment":"positive","sentiment_score":0.378971666097641},{"text":"we are keeping that well within the portfolio and just wanna hold 5% total for you. Yeah. The next one is the S and P 500. It's tracking the top 500 companies on The US. You're only slightly over invested in that investment at the moment. They're selling 2,500 to bring you back to 30% just to be the portfolio. There is a lot of volatility in The US at the moment, but it is still a positive place to be invested.","start_word":3007,"end_word":3088,"sentiment":"neutral","sentiment_score":0.2186730057001114},{"text":"Long term, we do still see really good growth coming out of those sort of investments there.","start_word":3089,"end_word":3105,"sentiment":"positive","sentiment_score":0.4470587372779846},{"text":"The... One I wanna add to your portfolio to give you diversification is the Vanguard All World ex US investment. This is essentially just giving you exposure to the entire globe minus The US Of A. We don't need The US in this investment because we have the S and P 500 above there, but it is giving you exposure to the rest of the globe. It's looking at emerging markets as well as already established markets on all the exchanges. Mhmm.","start_word":3106,"end_word":3187,"sentiment":"neutral","sentiment_score":0.17015033960342407},{"text":"And one of the biggest things about reducing risk is making sure we diversify as much as possible. So this is one way to do that. It's also Vanguard and ETF, and it's a low cost to hold this investment as well. So it's positive.","start_word":3188,"end_word":3232,"sentiment":"positive","sentiment_score":0.45900818705558777},{"text":"Yeah. So we'll hold 8% in this investment for you. Because we have gotten rid of Van Alon to the underperformance there, I'm replacing it with the BetaShares Australia 200. This is tracking the top 200 companies on the ASX.","start_word":3233,"end_word":3272,"sentiment":"neutral","sentiment_score":0.16368570923805237},{"text":"One of the biggest things I do like about swap is that it's a lower cost investment.","start_word":3273,"end_word":3289,"sentiment":"positive","sentiment_score":0.4580970108509064},{"text":"Then along, it costs a little bit more to hold. It also only generally held about 15 to 25 different investment options depending on what the then along investment committee had decided to invest in. Whereas the BetaShares a 200, you're tracking the top 200 companies across the Australian ASX.","start_word":3290,"end_word":3339,"sentiment":"neutral","sentiment_score":0.23319649696350095},{"text":"So you are tracking a much greater range of investments that give you greater diversification and lowering your investment fees along the way positive.","start_word":3340,"end_word":3363,"sentiment":"positive","sentiment_score":0.5046029090881348},{"text":"And then the last one is core composite bonds. So this is defensive in nature.","start_word":3364,"end_word":3378,"sentiment":"neutral","sentiment_score":0.27215248346328735},{"text":"It is good for income production.","start_word":3379,"end_word":3384,"sentiment":"positive","sentiment_score":0.44898492097854614},{"text":"We're looking at government as well as core funds, so all, you know, good quality bonds, giving regular coupon payments, which is income paid into your cash account, which can be redistributed across your portfolio. One of the good things I do like about all these investments are they are all ETFs. Aside from gold, most of them produce a lot of... Not a lot. They produce the dividends every year.","start_word":3385,"end_word":3455,"sentiment":"neutral","sentiment_score":0.24892489612102509},{"text":"We want dividends and income to be reduced out of your portfolio, paid to your cash account to have that reinvested back in, and that helps with the compounding effect as well for you.","start_word":3456,"end_word":3489,"sentiment":"positive","sentiment_score":0.33442625403404236},{"text":"Yeah. Yep. Makes sense. Other than that... That actually is easy Yeah. when you explain it. Going from It's the not red too bad. into the green and Absolutely. Down just a little bit further, I did look at your cash account. It is a little bit high, so I am just reinvesting a bit over 16,000 back into your portfolio. this. I did flag that with the investment committee going, hey. This is a bit high. We do not wanna hold this much cash. So they will look to reinvest that back into your portfolio for you.","start_word":3490,"end_word":3587,"sentiment":"neutral","sentiment_score":0.06759893012290098},{"text":"Beautiful.","start_word":3588,"end_word":3588,"sentiment":"positive","sentiment_score":0.5059605240821838},{"text":"Do you have any questions so far at all, Catherine? No? Easy. All good. Underneath that, I've also got on page 26 for you just a recommendation with setting up the LPR, the legal personal representative on your beneficiary nominations there. Other than the best interest, which is basically how and why I came to the decision and why recommending you do the LPR is preferable, but also Mhmm. making sure that your will is set up to reflect receiving the funds and then having them distributed through Michael as essentially, you know, the fund distributor for any money that Kelly is to receive if you were to pass away at the end of the day. So so, yeah, feel free to have a bit of a read through that. I've also got the advantages, disadvantages, risks involved. I've also added in there the adding... Setting up and, you know, redoing of a will and power of attorney with any advantages, disadvantages, risks, and alternatives considered for you. So you've got a bit... Yeah. You're welcome to read over, have a look at that. And if you find you do happen to have any questions, you are welcome to let me know.","start_word":3589,"end_word":3790,"sentiment":"neutral","sentiment_score":0.07239175587892532},{"text":"Thank you. So you see, it's a nice, easy document for you. Essentially, It's great. to make this a bit easier, once you've kind of taken your time to read it over, if you're happy to proceed with everything, you'll just sign and return it back.","start_word":3791,"end_word":3836,"sentiment":"positive","sentiment_score":0.4667487144470215},{"text":"We'll complete the investment switch with NBT for you. We'll make sure we catch up prior to your Cal Polycom coming off the premium holiday for your trauma, and we'll make sure we send out those beneficiary nominations for you. And then if you, you know, need a solicitor, we can always just tell you or pass some information on some local solicitors that can also assist you with doing up your will and power of attorney and making sure everything is set up correctly for you. Yeah. I have Easy. got one of those.","start_word":3837,"end_word":3931,"sentiment":"neutral","sentiment_score":0.176338130235672},{"text":"Beautiful.","start_word":3932,"end_word":3932,"sentiment":"positive","sentiment_score":0.6677123308181763},{"text":"I have got a legal representative now, Yeah. I figured which is you probably do. You've probably helpful. got quite a few quite I'm a actually few counsels that you're able to refer to. thinking of changing to another one.","start_word":3933,"end_word":3972,"sentiment":"neutral","sentiment_score":0.1297338604927063},{"text":"Great with the execution of the documents for court.","start_word":3973,"end_word":3981,"sentiment":"positive","sentiment_score":0.5613705515861511},{"text":"So Yeah. I'm I'm fine. Yeah. Yeah. Wow. I'm... Yeah. I was just like, we're gonna use her again. But... Yeah. No. You want them to do everything properly, especially when it comes to what you're just being true, all that legal stuff. That makes a big difference. Yeah. It's not happening again. Yeah. No. I understand that. That is for sure. To look after you and Kelly now. Yep. That's exactly right. Yeah. Yeah. Next document. No. All good. I All have good. Well, feel signed free to up. take some time to re... No. Yeah. If you want I've me signed to, I it. can always email you and I'll... You're okay with that?","start_word":3982,"end_word":4097,"sentiment":"neutral","sentiment_score":0.0066269016824662685},{"text":"Beautiful. Easy.","start_word":4098,"end_word":4099,"sentiment":"positive","sentiment_score":0.3808688223361969},{"text":"Yeah. Now what's the next step? Oh, yeah. It will be a five three and stuff. Yep. I doing quick enough? Beautiful. I thought I If clicked you ever on did all. what... It might just need to... This is a bit funny. It doesn't kinda work the same way DocuSign used to. Once you kinda press sign, it sometimes pops up with a button that says next or continue. Is there anything that says that? And then it sometimes makes you click on this... The date button as well just to confirm the date. Yeah. Account. Loading. Yeah. Yeah.","start_word":4100,"end_word":4199,"sentiment":"neutral","sentiment_score":-0.015736682564020155},{"text":"Beautiful.","start_word":4200,"end_word":4200,"sentiment":"positive","sentiment_score":0.5914725661277771},{"text":"Well, if I Did don't do you it want now, me to I'll email... forget. Mhmm. Yeah. If you can email Did... me a copy of it, that'd be great.","start_word":4201,"end_word":4230,"sentiment":"neutral","sentiment_score":0.05702633783221245},{"text":"Absolutely.","start_word":4231,"end_word":4231,"sentiment":"positive","sentiment_score":0.45731180906295776},{"text":"Because Absolutely. that way That then way, you've I can got some time read it to read properly, it over. and Yeah. I'll And have if that you copy find you have any to questions... take to my lawyer. Yeah. Yeah. Yeah. Absolutely. Not a problem at all. But, look, honestly, You're thank a you.","start_word":4232,"end_word":4286,"sentiment":"neutral","sentiment_score":0.20390544831752777},{"text":"I gem. enjoyed putting this together for you. Thank Once you.","start_word":4287,"end_word":4297,"sentiment":"positive","sentiment_score":0.6648690104484558},{"text":"we kinda get it all back, we'll get the investments which completed. That's what remove you out of those underperforming investments and get things working a bit harder for you. The... Moving forward, I know, you know, there's some things that might come and change in the next few months. Did you wanna do a catch up with me? Did you want me to give you a call in just a few months to see how things are going and do Yeah. a catch up before Chrissy or That'd be after? good. Because I'm... Yep. What I might Yep. try and do is set up my... Like, look at my spreadsheet and expenses again because health insurance is probably one of the ones that I need to review. Yep. I just can't think of anywhere else. I could save it anyway. Apart from spending, like, daily food, Yeah. fuel. Yeah. So I'll try and get you that in the next couple of weeks. And then, Yep. I mean, if you can have a look at it, and then I'm gonna just need... Bring in a couple of months maybe. Yeah. Absolutely. See how I'll I've see been what I can going definitely do with it all. and see if there's anything Yeah. I should be doing differently. Yeah. Yeah.","start_word":4298,"end_word":4516,"sentiment":"neutral","sentiment_score":0.01886792853474617},{"text":"Absolutely. I can look at that for you. It's not a problem at all. Beautiful.","start_word":4517,"end_word":4531,"sentiment":"positive","sentiment_score":0.5789567232131958},{"text":"And, yeah, I'll touch base in probably maybe... Did you want sort of November or just maybe December to touch base and see how things are going as well? Or Yeah. Maybe mid to end. That might be smart. By the time I get it to you, and it'd probably be yep. a month. But... Yeah. And then just the disabled Catch house being fully and stuff. So... up. Yeah. Yes.","start_word":4532,"end_word":4602,"sentiment":"neutral","sentiment_score":0.07037534564733505},{"text":"Absolutely. Beautiful.","start_word":4603,"end_word":4604,"sentiment":"positive","sentiment_score":0.5379692912101746},{"text":"Not a problem at all. Have you Two spoken to an accountant and organized to get your tax return done for last financial year as well, see if there's any kind of refund e. that could It's provide some all assistance? done. It's all done. Okay.","start_word":4605,"end_word":4650,"sentiment":"neutral","sentiment_score":0.12474793195724489},{"text":"Beautiful. Yeah. I did get a good tax return. I've also got Nice. a very awesome family benefit.","start_word":4651,"end_word":4668,"sentiment":"positive","sentiment_score":0.584526538848877},{"text":"But whatever that is, the the... You know, from Centrelink, I got 7 Yep. grand. And then Oh, I got the childcare.","start_word":4669,"end_word":4690,"sentiment":"neutral","sentiment_score":0.08449092507362366},{"text":"fantastic.","start_word":4691,"end_word":4691,"sentiment":"positive","sentiment_score":0.40983307361602783},{"text":"Yeah. I won't get that again, but... And then I got the childcare rebate balancing, like, last week, which was Yes. $1,500. That's not bad. I've got, Yeah. like, 8 Excellent. grand in total, which is not bad. So... And that's my current salary. So not Yeah. bad. Yeah. Beautiful. Not bad. No. That's Not really bad. good. Yeah. So I'll probably just see how we go and continue? Yeah. I'm just gonna see how we go. He's fine now at the moment and try and see if I can get my son to... If I pick him up at three, then maybe see if he can Yes. do stuff at home and, yeah, start a workspace in the. So he's got a guest, and he can do his phone work with me on the day... On the three days because I can't reduce my own. I mean, I just can't see how I'm gonna make ends meet because I, you know, look at my pay. So I get $3 in my hand or Yep. 2,800 in my hand. 1,200 of that is going to my home loan a fortnight. So what's that? 2,800. Yeah. That leaves It me does with make 4 a 8 bit of 100 a difference. dollars. Yeah. Yeah. So that would leave me $4,800 to pay home insurance, home rates, home insurance, car insurance, fuel, health insurance, emergency services levy, power, electricity, Power, electricity, water. And that... I haven't All even the eaten things anything. that keep giving. And then I haven't even eaten anything Yeah. yet. So it's not... Yeah. Yeah. So I'm just not sure if It's I can a even lot. reduce it back to that. Whatever I think it was, but just try and get that thing court now, and it's all settled. Now I'm gonna do a submission to transport. Yes. Now that's Yep. on record then, and it'll just be recorded that he's currently paying the school fees, and then we'll just see what Yep. happens. Right. Because then if it's... Oh, Yeah. if I Yeah. wasn't paying Definitely. the school fees, I'd be like, well, now I need to pay this for money or better better Yes. be putting that away because when I need it, I'm gonna ask for it. So... Yeah. Absolutely. Definitely.","start_word":4692,"end_word":5078,"sentiment":"neutral","sentiment_score":-0.04111223717915611},{"text":"You may as well do that to protect yourself, but one of the things that I honestly... I don't know if I wish I would have done, but it it probably would have got me more money than I would have... Than I did get. I got nothing in child support when my kids were young and my ex left.","start_word":5079,"end_word":5138,"sentiment":"negative","sentiment_score":-0.3645733892917633},{"text":"And then when I tried to go to child support, he quit his job.","start_word":5139,"end_word":5152,"sentiment":"neutral","sentiment_score":-0.3188396394252777},{"text":"So I was getting nothing, couldn't get anything, and He won't quite they disturb. kinda never chased him for it.","start_word":5153,"end_word":5172,"sentiment":"negative","sentiment_score":-0.3856745958328247},{"text":"But nowadays, they do try a little bit harder to get the money and have a lot more kind of control around it. So Yeah. And he's got shared now with with the company he works for. I think 10 points. Yeah. Yep. I don't know how that works. Right? I don't know how I understand that, and I just let that go through.","start_word":5173,"end_word":5236,"sentiment":"neutral","sentiment_score":-0.03122599422931671},{"text":"I don't I don't want anything to do with that.","start_word":5237,"end_word":5246,"sentiment":"negative","sentiment_score":-0.3907079994678498},{"text":"He's not touching my super. So I'm Yeah. not touching his super, Yeah. and I'm not touching that. But Yeah. he'll get income from that, so that needs to then be reflected across to me at some stage Absolutely. somehow. So I Yeah. think that's why I need to go in child support now to work with that. I don't Yeah. want him to give me Yeah. the money. It just needs to be there so that it's on a statement because I think they're on a statement. What does it say? You'll pay... You you should have paid x amount, I think. Doesn't Yep. Yep. it? It's like when you get cash with it, it says you should pay Yeah. So when... What they essentially do is when you both see your tax return every year, that'll get... Kinda gets consolidated, transport. and then Yep. you get a letter that says how much you've earned, how much he has earned, and how much has to be paid based on this for the next year, essentially, per month, per week, or however they distribute it. And it's... Yeah. So they basically tell you in advance how much you're supposed to get for the next twelve months, so that's what you can tell me. And that's kind of reflective. They do also account that as part of Centrelink when you are divorced. So that's one of the questions they'll ask is are you getting child support? Yep. And they'll try to sort of account that as well. So, yeah, Yeah. just declare that all the things. And then at the end of the year with the rebalancing, they check how much has been paid because with the child support, they know what your tax returns are. They know how much should have been paid, and they check to make sure what has been paid. Yeah. Right. And then as soon as it doesn't quite meet what should have been paid, they should be able to go back and go after the next sort of money, you know, kind of rebalance it or getting to pay back a bit more if it hasn't kinda equaled out. So they can definitely do that. It's been a while since I've dealt with child support, so it could be a little bit different. But, yes, that's how it's Yeah. supposed No. That's to work. that's what I thought would happen. Yeah. It's sort of an... Yeah. Yeah. But anyway... I mean, there's some of the guys here I was Yeah. talking to them because it's... Go over last year is not what you're currently working at. Yeah. And that's Yes. what I don't like Yeah. It about goes time in support. the last tax return. Yeah. Yeah. Which is what I don't like about it because your job circumstances might change, and you might not be earning that much money. Absolutely. Yeah. Yeah. Anyway, Definitely. Yep. that's that's okay. Why are they changing color? Oh, they are different colors. I'm just looking at cards, and I'm like, no different colors. No. Yeah. They are. Okay. I don't know. Is it the same same, I'm guessing? God. I hate it when I'm looking at stuff. Sorry, Dana. That's my squirrel brain. Off it No. goes You're you're absolutely fine. again.","start_word":5247,"end_word":5800,"sentiment":"neutral","sentiment_score":0.003358460566035677},{"text":"It's not a problem at all. I actually really enjoy our conversations. They're great. Okay. Thanks. You can do a Tracy invite. I love it when I ring cat.","start_word":5801,"end_word":5829,"sentiment":"positive","sentiment_score":0.5244706869125366},{"text":"I do.","start_word":5830,"end_word":5831,"sentiment":"neutral","sentiment_score":0.28573358058929443},{"text":"Thanks for paying me to ring her.","start_word":5832,"end_word":5838,"sentiment":"positive","sentiment_score":0.39157021045684814},{"text":"No.","start_word":5839,"end_word":5839,"sentiment":"neutral","sentiment_score":0.012817148119211195},{"text":"It's all good. Honestly, you go on whatever terms that you need. You use me as a sounding board for whatever you possibly need.","start_word":5840,"end_word":5863,"sentiment":"positive","sentiment_score":0.4508926272392273},{"text":"That's what I'm here for. Yeah. So So I am next... Yeah. I'm doing my will. And I am... What am I doing? I'm doing my will, and I'm doing to make sure that I have... What is it? A legal representative. LPR, Yep. legal person. Yes. So what we'll do is we'll send out the beneficiary nominations for you... For it to be filled out to legal personal representative because that just basically means the money goes from your life insurance and your suit card to your will. Your legal personal representative is essentially your estate. So inside Right. That's cool. your will, your lawyer just needs to state that the the proceeds to be received as well as everything else that you own and however you want that distributed, your super Mhmm. and your life insurance proceeds. And if you need, I can send you a copy at the time when you go to see them. We can send you a copy of the life insurance, some insured, and your super balance so that can all be accounted for. And then you just... In the body of the will has to be noted how they want... How do you want that distributed, noting that, you know, you want everything to go to Michael so he can look after Kelly and any directions that you have for Michael on how you want that money to be distributed, looked after to make Kelly believes the best benefit. Yeah. Cool. Yeah. Okay. Easy. Yeah. I'll get the team to do other beneficiary forms, and we can pre fill it with LPR for you and pre fill those forms as much as possible. Are you happy to meet out that organized? Yeah. Because it'll just... Like, if I change my will, like, if something happened to my brother, then I just have to nominate a different... I mean, the post worker's name, my will instead of having to change my forms. Right? Is that Yeah. what happens? That's exactly right. Yeah. Yeah. Yep.","start_word":5864,"end_word":6204,"sentiment":"neutral","sentiment_score":0.1057491973042488},{"text":"Makes it So easier.","start_word":6205,"end_word":6208,"sentiment":"positive","sentiment_score":0.4366757571697235},{"text":"with Yeah. LPR, Makes it easier. it always goes to your state. If something happens to your brother, you just pick another guardian or another person, and you just have your will updated.","start_word":6209,"end_word":6241,"sentiment":"neutral","sentiment_score":0.14744557440280914},{"text":"It does make it easier for you.","start_word":6242,"end_word":6248,"sentiment":"positive","sentiment_score":0.4217515289783478},{"text":"Yeah. K.","start_word":6249,"end_word":6250,"sentiment":"neutral","sentiment_score":0.14000660181045532},{"text":"Awesome. That makes Easy. so much easier.","start_word":6251,"end_word":6257,"sentiment":"positive","sentiment_score":0.5932577848434448},{"text":"Doesn't All good. it? It Alright. does. Well, you It enjoy. does. Oh, some Thank fish.","start_word":6258,"end_word":6273,"sentiment":"neutral","sentiment_score":0.1829497516155243},{"text":"you so much for your time today.","start_word":6274,"end_word":6280,"sentiment":"positive","sentiment_score":0.6600756645202637},{"text":"I'll let you go so you can dump and and hopefully eat before you go back to work. Yeah. No. But if you need anything in I'll eat at my desk. the It's meantime, fine. let me know.","start_word":6281,"end_word":6318,"sentiment":"neutral","sentiment_score":0.16052557528018951},{"text":"Thank you. I do the same thing. Anytime Thank you. you have a great afternoon. You too, Dana.","start_word":6319,"end_word":6336,"sentiment":"positive","sentiment_score":0.5150564908981323},{"text":"Bye bye.","start_word":6337,"end_word":6338,"sentiment":"neutral","sentiment_score":0.27937522530555725},{"text":"Thanks, Cass. See you later.","start_word":6339,"end_word":6343,"sentiment":"positive","sentiment_score":0.5769646763801575},{"text":"Bye. Bye.","start_word":6344,"end_word":6345,"sentiment":"neutral","sentiment_score":0.21118220686912537}],"average":{"sentiment":"neutral","sentiment_score":0.09381931524448026}}}}