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Is now still a good time there for you? Fantastic. Jason, before we jump into the call, just to let you know, we do record our calls for training and quality purposes. Are you happy for us to proceed with that? Beautiful. And, also, just to do security there with you, we we are discussing your personal information. So I'll just get you to confirm for me just your full name, your date of birth, and address I should have on file. Yeah. Beautiful. Thank you so much for that. Correct me if I'm wrong, Jason. I just had a bit of a look at the file prior to the call, and I know you've completed your annual review of my colleague, Michelle. It may mention here that you wanted to have a bit of a chat about the portfolio. It's obviously not performed as well as it has in previous years. So I just wanted to sort of maybe get a bit of a catch up there and have a look at what we can do to maybe alter that. Is that right, or is there anything that might be missing from that at all? Yeah. Yeah. Yeah. Yep. Yeah. Yeah. We absolutely can. So one of the things I know, do go back and have a really good look at sort of where you've been from when you came on board to now. Having a look and I one of the things I do like to look at is obviously not just a portfolio over the last twelve months, but what it did over the course of last year. So I can see here in 2024, my colleague Veronica did provide the advice to move you into hub twenty four. So you were kinda going through that implementation process again there and moving the money around. From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see. Unfortunately, from sort of early November to December, Bennelong, your Australian equities component in there, one of the underlying investments had been a bit dishonest to the market that had kinda come out in late November, early December time frame, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which has, unfortunately, meant that everyone's gone back and reevaluated Bennelong as well. So that is essentially the component of your portfolio that has is dragging the rest of the returns down. Otherwise, everything else there has been performing quite well. The idea of having BANELON in your portfolio was it was giving you a bit of active management. So one of the things is they are they wanna buy and sell in line with what's happening in the market, but, unfortunately, even they couldn't predict what was the you know, what sort of happened last year with corporate traveler there. What we are sort of wanting to do, and that's what, you know, our investment committee have been sort of looking at over since we came back after Christmas. There is what to do in this sort of scenario, so whether we remove Van Alung as a whole. And they have actually come back saying they do wanna remove Van Alung. So we can look at a couple of different things for you. We can look at just swapping out Van Alung and putting something else in its place. Or if you're comfortable with me looking at, do you look at your investments in your super very often, Jason? Is it something you like to log in and have a look at, or you're not too fast? Or no. Yeah. Yeah. No. That's okay. Absolutely. And this is probably actually a really good question, and you've answered it really well for me because what has also been occurring over the last twelve months is our investment committee, along with utilizing BlackRock's investment firm, we've actually developed what's called an SMA or a separately managed account. If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product. Inside that SMA product, we actually have anywhere from 20 to 50 different investment options. And the benefit to having this kind of an SMA is that whilst you lose a little bit of visibility on the investments in your super fund there, it actually means that when funds are underperforming like what Fenelon has, instead of updating the advice to reflect and change one investment, our investment committee along with BlackRock's investment team can actually go in there and make those changes for you so we don't we can make them a lot faster. Is that something you would like me to have a look at for you? Yes. Perfect. Absolutely. No. Most of the funds are performing really, really well for majority of the year there. It's just, essentially, last year was a very volatile year. I actually opened up your hub '24 and had a really good look at where things were. When I go back so sorry. I'm just going back to your investments here because I know that advice was provided around about the 2024 there. So early last year, we were kinda going through the implementation process. When I have a look at what's happened with your portfolio as a whole, it was actually quite positive at the start of last year. So looking forward from, say, January all the way up until around about February 14, you're you were actually up quite significantly, and your portfolio had done really well. However, from about sort of mid February last year until about April, we had seen a lot of ups and downs in the market, and that's when the market as a whole saw quite a large dip. That unfortunately had impacted your portfolio there. From that dip, it took a bit of time. You did recover out, and your portfolio was providing a positive return. I'm just looking there. So you're up around about 7% up until around about early late October. Early November is when we really started to see a bit of a dip there, and then your portfolio has taken a bit more of a dive from there. So you're down from, say, December, January to now, and it's starting to come back and recover again. So that's what I can sort of see. I can see where you started. You were going quite well, and then the market dip that we saw last year, early last year, had a bit of an effect on your portfolio, and then we see it go down a bit. It had recovered back and was doing nicely, and you actually made that money back and had a full recovery and some additional growth there until that issue with Bennelong, and that's kinda had a bit more of a pullback. So Bennelong as a whole is actually down by about 20% at the moment, and that's sort of why yeah. So that's why your portfolio is only sort of seeing about a three to 4% return. So it has had quite a significant quite a significant pullback on your portfolio, and that is the majority of why your returns are down. Benelong is also quite a significant part of your portfolio. I went back and had a really good look. And the benefit to you getting that advice from Veronica in 2024 was that in your first advice document, that was, sorry, back in 2022 or 2020, I think it was. I'm so sorry. I'm just pulling it up now. Yeah. So your original advice document, you had about 40 invested in Banner Long. So with Veronica going back and providing that updated advice document back in 2024, we'd actually reduced your Banner Long exposure to 10% from that 40. So it's definitely not as high as a dip as what it would have seen if we hadn't provided that advice back in 2024. So that is a benefit, but it is still down quite significantly. It's not what we want, and we definitely did wanna make sure we move everyone out of that along from now. Does that make sense? Do you have any questions from that? You're welcome to get me to elaborate more or ask any other questions. You have. You have. Yeah. So 2020 was your first document there. I was just sort of waiting for the system to load. I do apologize. Computers are a bit sickle. But 2020 was your first document. It was September 2020. That was basically when COVID was sort of in place there. And then, yeah, 2024 was the updated change there, which is when we had reduced the exposure in the Banna Long, but we do wanna remove it fully now. We wanna make sure we are doing that. So if you like, what we can do is we can utilize the fact that it is down to our extent. So because it is down, you have seen a little bit of a drop there. In saying that, when I also had a quick look, your when you did the annual review of Michelle, that she noticed the balance in your account was about a hun 264,128. So from there to now, you're at 266,000. So your portfolio has seen a bit of an increase over the last week or so, which is good to see. It does show that it is recovering back, but we can utilize that debt to our advantage. So while Bennelong has had, sorry, a bit of a a dip in your portfolio and is down significantly, cementing some of those losses to your portfolio, if we move you into the SMA, can actually offset some of the capital gains by us moving some of the other investments there. So if you're comfortable with us doing that, I can go back. I can do the research against the estimate to see if it's appropriate for you in helping you to meet your goals, but also just assess whether maybe moving one or two investments might suit you as well, look at how we can minimize the CGT consequences of your super, but also look at how this might help you moving forward towards meeting your retirement goals. Would that be something you'd be comfortable with? Yeah. Beautiful. You yeah. I'm so sorry. I'm so sorry. Yes. Absolutely. Most definitely. One of the other things you may have mentioned to me, Jason, was that you'd like to maybe look at reducing your exposure because you are in a high growth portfolio at the moment. And, honestly, a high growth portfolio does suit someone who is willing to take on a bit more risk. However, where markets are seeing a bit of a dip or where investments might not be performing as well, you can often see a little bit more of a a dip in them. Correct. Yeah. And those sorts of downtimes are magnified as your balance increases as well. I can go through a bit of a risk profile questionnaire and just sort of have a gauge of where you're at, and we can sort of talk about the reduction. Would that be okay? Yeah. Beautiful. You've probably done a couple of these in the past. It is just about six questions. They're all multiple choice. I'll ask you the question, give you the options for answers. If you're not really sure, just let me know and we can talk it through. Okay? Beautiful. The first one here is have you ever owned direct shares in your own name before? Direct shares in your own name? You have? Yep. Do you still own any of those at all? Nope. That's okay. Mhmm. All gone. Perfect. So I'll just tick that box there. Beautiful. Now the next one here is asking the time horizon between now to when you're wanting to access your super. So having a bit of a look back at your conversation with my colleague, Michelle, there, you had noted that you were hoping to retire around about age 65. Is that still sort of your goal? Yeah. Yeah. Yeah. Correct. Yep. Yep. Yeah. Yep. Yep. Yeah. Perfect. So under the current legislation at the age of 65, regardless of whether you're working or not, your super is changed to the unrestricted nonpreserved. Sorry. So you basically get access at the age of 65 regardless of whether you're working or do you think it'd be around about that 65 mark you'd be wanting to reduce your hours? Do you think it'd be before that time frame? About then? Yeah. Perfect. Yeah. That's right. That's exactly right. Honestly, ten years doesn't feel like a long time as we get older, but I it's a lot can happen in ten years. If you look back at the last ten years, you've probably had so many changes in your lifetime. So perfect. So what I'll do is I'll make 65 the goal age there for you for us to work forward. So we have about a ten year time horizon to see what we can do. Our job is to keep monitoring things and moving things as we do to as we get towards that goal, but then you don't have to retire. It's just giving you the option to stop working or access your stupid. We're not gonna, in any way, shape, or form, force you to do so. Okay. Yeah. Yep. Yeah. Yep. Yep. Yeah. Yeah. That is great in theory. The only downside I see to that occurring is that at the age of 65, because every, you know, couple of years in a ten year period, we do expect to see at least one or two years of negative returns. And as your balance gets higher and higher, you are impacted by those a lot more. You feel them a lot more. Essentially, at the age of 65, if we are still in that high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly. I mean, even now, we are looking to reduce the risk a little bit, but you're still seeing a positive return out of your entire portfolio for the twelve months. I would hate to be cementing losses at a time where your portfolio might be seeing, you know, COVID like event again or something like that because we do know those events will occur in the future. We don't know when they're gonna occur. And the idea of reducing the risk is that we're minimizing the risk of those events having a larger effect on your portfolio. Does that make sense? Yeah. Beautiful. Beautiful. The next one here is asking about inflation. It says, how much risk do you feel you're comfortable taking in order to make sure your returns are keeping up with inflation? Do you think you're comfortable taking on the highest level of risk that to get the best returns you possibly can? You're a bit more of a gambler. Option number two says you still want a higher level of risk for good returns, but probably more calculated risk. Option number three says you wanna take on a moderate or medium amount of risk to get the best returns you can. All the last options says you don't wanna take on any risk to get, you know, whatever returns you're able to obtain. See? Beautiful. Calculated. Perfect. Absolutely. Me too. The next one here is about volatility, and it says, how would you feel in six months if you saw your portfolio fall by 20% due to external market factors? Would you be one wanting to put more more money into the market as a buying opportunity? Option number two, are you likely to hold and wait and call us, or are you more likely to try and cement those losses and move your money to something more secure? Yep. Yep. Beautiful. Beautiful. Yeah. Excellent. The next one here is asking what reasonable rate of return you'd like to achieve from your portfolio over the longer term. Am I right? You're looking for the highest return you can possibly get? Yep. Yep. That's okay. And the second last one here, it says, how would you or have you ever looked at your super and seen it fall in value? Because we know this will happen again in the future to you know, with external market factors and the volatility that we experience in the next ten years. How might how might you feel if you saw your super fall in value? Are you wanting to put more money into it? Are you a bit cautious? Are you concerned, or are you feeling very anxious? That's okay. Yeah. Yep. Do you feel a bit cautious? You probably wanna know what what's happening, why it's happening. You know? Yeah. Yeah. Absolutely. Yeah. Yeah. Okay. Perfect. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is borrowing something you've only ever wanted to do for property? No. That's okay. All good. No. Perfect. It's I've got a a goal here that you were hoping to maybe in the next few years get an investment property. Is that still something you'd like to do moving forward, or are you just focusing on your main primary residence? Or yep. Perfect. Yep. Perfect. Perfect. And, look, that's not bad. Going into retirement use debt free definitely gives you super a bit more longevity because it allows you to draw less out, which is a good thing. Yeah. No. Perfect. Yeah. Yep. Yep. Perfect. Well, when you are ready to downsize and you put on the market, let me know because there's things we can definitely do to help you with and we can provide advice on what to do with the funds for you as well. Okay? Beautiful. Now thank you for answering those questions. Now, look, Jason, you have come out as a growth investor. So a growth investor sees about 80% of their super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. In your high growth environment at the moment, you see 90% invested in those areas. So this is dropping you down just by 10% there, and then we're increasing those defensive investments by about 10% so we have more cash, bonds, and fixed interest in those areas. With the growth investor, you're still taking on a fair amount of risk there. We do expect the likelihood of a negative return to be one in every five years. And with a high growth environment, we like you to be invested for eight years prior to accessing your super. Whereas with the growth portfolio, you can be in that up until about six years, you know, six years away from wanting to access Lupus. So you are just reducing your risk level a little bit. You're still getting those good returns that you're still having a fair amount invest in those growth investments there. The expected returns out of a high growth portfolio is averaging between sort of eight to 10, whereas in a growth portfolio, we'd expect the average returns to be around about seven to 9% there. So we're sort of aiming for that sort of portfolio. Are you comfortable just by stepping down a little bit, maybe moving back into that growth environment a little bit? Not necessarily. The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns. We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things. However, our high growth environment or our high growth portfolio has, at times, performed worse than our growth portfolio and vice versa. So it just comes down to so many different factors when we are looking at it. It's about when contributions are going in. It's the different asset allocation, So I mean, different market performances like inflation, interest rates, economic growth, geopolitical factors. Donald Trump tweeting on a regular basis. Correct. So there are a lot of different things that go into the play there. If you wanted to, what I could do is because you do have that ten years before you're wanting to access Super at this point and maybe start reducing back, I can keep you in the high growth environment for a little bit longer. We could do a catch up in twelve months or even in six months to see where things are going, and then just maybe evaluate it then again. I can keep you at 90 sort of 10 split just for a little bit longer if you'd like to. You do have that ten year horizon, and we can certainly look if that helps for the year. How do you feel? We'll take it down a little bit? Yeah. Perfect. Not a problem at all. So I'll have a look at the growth. Absolutely. Most definitely. So what I'll do is I'll go back. I'll do a bit of research with my team there. It takes a couple of weeks to do the research properly for you. We'll update the advice document to reflect the change in the portfolio, what we're gonna do. I will definitely look at that estimate product for you to see if it's gonna be beneficial for you working towards your goals there. We'll bring you back down to the growth portfolio. As part of the advice document, you'll be you're at mhmm. Yeah. Yeah. Absolutely. Yeah. Yes. Yep. Absolutely. I can look at both those options for you and let you know what we recommend as part of the advice. It'll have the advantages, disadvantages, and the risks involved so you get to take it all on board and then make a decision as to whether you wanna take the advice or not. Okay. Yeah. Beautiful. That's okay. Now as part of that, I know you did mention that you did lose a fair a fair value of super about a 100 or thousand there. Are you open to maybe making additional contributions in to kinda help provide a bit more of a benefit, or you're just wanting to see what your portfolio can do with your employer contributions? Okay. Okay. Okay. Yep. Yeah. That's okay. So once the loan's sort of paid down or paid off completely, then you're happy to sort of maybe whack in some more contributions or in around the next five odd years. Yep. Perfect. Not a problem at all. I can break that out for you. It's not a problem at all. I will go back. I know Hub twenty four you've just moved in. It is a great platform. There's nothing wrong with it. But as part of my process, I do reevaluate the platform as well. It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as well. Okay? With the sorry. The insurances are also a really important part to sort of factor in as well. So at the moment, having a look at things, you've got your life cover only. It does certainly mean that in the event of passing, your life cover is paid out, but then also your super benefit is paid out to your beneficiaries there. I do have your beneficiaries noted here as so sorry. I'm looking here to have this look. Braden and Jeff for 50% each. You're still comfortable with that? Yep. Beautiful. And excellent. And with your Zurich Life cover there, you've got a sum insured of 525,000. You're comfortable with the sum insured didn't wanna look at altering that at all at the moment? That's okay. Yep. Okay. Yep. And so no. That's okay. So income protection and disability through your employer. So you're not worried about having to get anything additional income disability wise? No. Yeah. No. That's understandable. That's not a problem at all. Is it it's TPD as well as income protection. Is that right? That it pays out? Yeah. Okay. Has anyone here asked you to provide, like, any of the information on your TPD or income protection policy with your employer in the past? Yeah. Of course. No. That's okay. Is there anything particular they need from us? Because I'm more than happy to go back to our team and, you know, we can get, like, a letter of authority drawn up and have it all signed and sent through to them. Is there anything particular they're requesting to get the information? Right. Yeah. No. That's okay. What I can do is I can also have a bit of a look around to see if do you guys have, like, an enterprise bargaining agreement or anything like that that you sign on a regular basis that might have that information in it? Yep. Yeah. Yeah. Yep. That's okay. Leave it with me. Yep. Perfect. I'll tell you what. Leave it with me. I will do a bit of researching around. I'm pretty good with that. If there is something to find, we'll be able to find it for you and see what we can do. If we can't, that's absolutely okay. We just have to know. We don't we're not able to obtain the information. But leave it with me, and I'll go and do whatever I can. As I said, you pay for our services, so I'll do that research for you on your behalf. Okay? Yeah. Yep. Okay. Yeah. Perfect. I'll even get a head of advice to help me draw up something on a letterhead for you so it can be sent through to them via email. Makes it a little bit more official for you. Okay? Yep. That's not a problem at all. Thank you so much for that. Now the only other type of kinda cover that you would normally wanna be looking at would be something like trauma, which tends to pay out a lump sum benefit, tax free benefit too in the event of a major diagnosis, tends to be things like cancer, Parkinson's, neurological conditions are a big one as well. Trauma has to be paid out of your back pocket. We do have to just sort of clarify with you. Did you wanna look at any kind of trauma cover, or you're happy with the life cover and your employer policy paid? Have you yep. That's okay. If you ever wanted to talk about any of these yeah. No. That's okay. Sorry. You said you're trying to increase the policy. Is that the one with your employer? Or of course. Yes. So sorry. That no. That's okay. That's absolutely fine. We just have to go through all of those to make sure that you understand what you're allowed to have and give you the option to do so. It's just always really important to clarify those options. If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you. Okay? Perfect. Lovely. So just to kinda recap there, I'm gonna go back and review the soup of the investment side of things, what the capital gains consequences might be, and also the cost of the different options there. Look at the benefit working from now to the age of 65 to see where we can go with it, make sure it's providing you the options. We're not looking at any additional contributions as of yet. That's something to put down the track for the next sort of five years or so, and keeping the the level of cover you have at the moment, and we'll see what we can find out about your your disability cover with your employer. Does that sound right? Have I missed anything at all, Jason? No. Perfect. And you're happy with your beneficiary nominations there being your two kids. I can see they're binding, non lapsing as well, which is fantastic. One of the big things with the binding, non lapsing nomination is that it binds the trustee to follow the direction that you've made and non lapsing. So you don't have to fill out those beneficiary forms on a regular basis, which is a benefit for you as well. Okay? Absolutely. Yes. Yep. Okay. Perfect. I can see here that Michelle did speak to you about that. Did she send you the detail of our solicitor and the information pack there at all, or is that something you're doing through your solicitor you know? Or okay. Yep. That's okay. Yeah. Yeah. Absolutely. I'll follow-up on the team and make sure the email comes out to you this afternoon. I'm so sorry that hasn't been sent to you. Okay. Perfect. All good. No. No. Honestly, it is all good. I will follow that one up for you. Really appreciate that Google review as well. Michelle is beautiful to speak to. I love I love working with her. She's an absolute gem. She's like everyone's mom. It's great. No. Absolutely. No. Definitely not. Well, we appreciate that. No. Thank you so much. No. I will get working on this as my team. It does take a few weeks to sort of put the advice together for you because it is quite in-depth in making sure we research everything, especially when it comes to the employer paid policy. But if you have any questions in the meantime, Jason, please do let me know. I'm more than happy to make time to touch base with you. I do work generally around until about six, 07:00 Queensland time at night, Monday to Thursday. So more than happy to take time for you after work if you need to as well. Oh, no. I love this. This is fantastic. I'm the craziest person ever to talk about insurance. This is super, but it's fantastic. It's so much fun to help people meet their goals. So yeah. All good. Is there anything else that you might need for me at the moment? Any other questions or anything else to sort of bring up at the moment at all? Yep. Yep. Yes. Absolutely. No. Thank you so much for your time this afternoon. It's been a pleasure to get to know you. I'll get working on that research there for you. If there's anything else that need in the meantime, I'll let you know, and I'll get my head of advice to help us do up a an official document requesting the information for your disability cover as well, and we'll get that email through. Okay? My pleasure. You have a lovely afternoon, Jason. Thank you so much for your time. Thanks. See you later. 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Jason. This is Dana from Oku Financial. How are you this afternoon? That's I'm very well. Thank you.\n\nThanks for asking. I had you booked in for a bit of a catch up today. Is now still a good time there for you? Fantastic. Jason, before we jump into the call, just to let you know, we do record our calls for training and quality purposes.\n\nAre you happy for us to proceed with that? Beautiful. And, also, just to do security there with you, we we are discussing your personal information. So I'll just get you to confirm for me just your full name, your date of birth, and address I should have on file. Yeah.\n\nBeautiful. Thank you so much for that. Correct me if I'm wrong, Jason. I just had a bit of a look at the file prior to the call, and I know you've completed your annual review of my colleague, Michelle. It may mention here that you wanted to have a bit of a chat about the portfolio.\n\nIt's obviously not performed as well as it has in previous years. So I just wanted to sort of maybe get a bit of a catch up there and have a look at what we can do to maybe alter that. Is that right, or is there anything that might be missing from that at all? Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. We absolutely can.\n\nSo one of the things I know, do go back and have a really good look at sort of where you've been from when you came on board to now. Having a look and I one of the things I do like to look at is obviously not just a portfolio over the last twelve months, but what it did over the course of last year. So I can see here in 2024, my colleague Veronica did provide the advice to move you into hub twenty four. So you were kinda going through that implementation process again there and moving the money around. From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see.\n\nUnfortunately, from sort of early November to December, Bennelong, your Australian equities component in there, one of the underlying investments had been a bit dishonest to the market that had kinda come out in late November, early December time frame, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which has, unfortunately, meant that everyone's gone back and reevaluated Bennelong as well. So that is essentially the component of your portfolio that has is dragging the rest of the returns down. Otherwise, everything else there has been performing quite well. The idea of having BANELON in your portfolio was it was giving you a bit of active management. So one of the things is they are they wanna buy and sell in line with what's happening in the market, but, unfortunately, even they couldn't predict what was the you know, what sort of happened last year with corporate traveler there.\n\nWhat we are sort of wanting to do, and that's what, you know, our investment committee have been sort of looking at over since we came back after Christmas. There is what to do in this sort of scenario, so whether we remove Van Alung as a whole. And they have actually come back saying they do wanna remove Van Alung. So we can look at a couple of different things for you. We can look at just swapping out Van Alung and putting something else in its place.\n\nOr if you're comfortable with me looking at, do you look at your investments in your super very often, Jason? Is it something you like to log in and have a look at, or you're not too fast? Or no. Yeah. Yeah.\n\nNo. That's okay. Absolutely. And this is probably actually a really good question, and you've answered it really well for me because what has also been occurring over the last twelve months is our investment committee, along with utilizing BlackRock's investment firm, we've actually developed what's called an SMA or a separately managed account. If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product.\n\nInside that SMA product, we actually have anywhere from 20 to 50 different investment options. And the benefit to having this kind of an SMA is that whilst you lose a little bit of visibility on the investments in your super fund there, it actually means that when funds are underperforming like what Fenelon has, instead of updating the advice to reflect and change one investment, our investment committee along with BlackRock's investment team can actually go in there and make those changes for you so we don't we can make them a lot faster. Is that something you would like me to have a look at for you? Yes. Perfect.\n\nAbsolutely. No. Most of the funds are performing really, really well for majority of the year there. It's just, essentially, last year was a very volatile year. I actually opened up your hub '24 and had a really good look at where things were.\n\nWhen I go back so sorry. I'm just going back to your investments here because I know that advice was provided around about the 2024 there. So early last year, we were kinda going through the implementation process. When I have a look at what's happened with your portfolio as a whole, it was actually quite positive at the start of last year. So looking forward from, say, January all the way up until around about February 14, you're you were actually up quite significantly, and your portfolio had done really well.\n\nHowever, from about sort of mid February last year until about April, we had seen a lot of ups and downs in the market, and that's when the market as a whole saw quite a large dip. That unfortunately had impacted your portfolio there. From that dip, it took a bit of time. You did recover out, and your portfolio was providing a positive return. I'm just looking there.\n\nSo you're up around about 7% up until around about early late October. Early November is when we really started to see a bit of a dip there, and then your portfolio has taken a bit more of a dive from there. So you're down from, say, December, January to now, and it's starting to come back and recover again. So that's what I can sort of see. I can see where you started.\n\nYou were going quite well, and then the market dip that we saw last year, early last year, had a bit of an effect on your portfolio, and then we see it go down a bit. It had recovered back and was doing nicely, and you actually made that money back and had a full recovery and some additional growth there until that issue with Bennelong, and that's kinda had a bit more of a pullback. So Bennelong as a whole is actually down by about 20% at the moment, and that's sort of why yeah. So that's why your portfolio is only sort of seeing about a three to 4% return. So it has had quite a significant quite a significant pullback on your portfolio, and that is the majority of why your returns are down.\n\nBenelong is also quite a significant part of your portfolio. I went back and had a really good look. And the benefit to you getting that advice from Veronica in 2024 was that in your first advice document, that was, sorry, back in 2022 or 2020, I think it was. I'm so sorry. I'm just pulling it up now.\n\nYeah. So your original advice document, you had about 40 invested in Banner Long. So with Veronica going back and providing that updated advice document back in 2024, we'd actually reduced your Banner Long exposure to 10% from that 40. So it's definitely not as high as a dip as what it would have seen if we hadn't provided that advice back in 2024. So that is a benefit, but it is still down quite significantly.\n\nIt's not what we want, and we definitely did wanna make sure we move everyone out of that along from now. Does that make sense? Do you have any questions from that? You're welcome to get me to elaborate more or ask any other questions. You have.\n\nYou have. Yeah. So 2020 was your first document there. I was just sort of waiting for the system to load. I do apologize.\n\nComputers are a bit sickle. But 2020 was your first document. It was September 2020. That was basically when COVID was sort of in place there. And then, yeah, 2024 was the updated change there, which is when we had reduced the exposure in the Banna Long, but we do wanna remove it fully now.\n\nWe wanna make sure we are doing that. So if you like, what we can do is we can utilize the fact that it is down to our extent. So because it is down, you have seen a little bit of a drop there. In saying that, when I also had a quick look, your when you did the annual review of Michelle, that she noticed the balance in your account was about a hun 264,128. So from there to now, you're at 266,000.\n\nSo your portfolio has seen a bit of an increase over the last week or so, which is good to see. It does show that it is recovering back, but we can utilize that debt to our advantage. So while Bennelong has had, sorry, a bit of a a dip in your portfolio and is down significantly, cementing some of those losses to your portfolio, if we move you into the SMA, can actually offset some of the capital gains by us moving some of the other investments there. So if you're comfortable with us doing that, I can go back. I can do the research against the estimate to see if it's appropriate for you in helping you to meet your goals, but also just assess whether maybe moving one or two investments might suit you as well, look at how we can minimize the CGT consequences of your super, but also look at how this might help you moving forward towards meeting your retirement goals.\n\nWould that be something you'd be comfortable with? Yeah. Beautiful. You yeah. I'm so sorry.\n\nI'm so sorry. Yes. Absolutely. Most definitely. One of the other things you may have mentioned to me, Jason, was that you'd like to maybe look at reducing your exposure because you are in a high growth portfolio at the moment.\n\nAnd, honestly, a high growth portfolio does suit someone who is willing to take on a bit more risk. However, where markets are seeing a bit of a dip or where investments might not be performing as well, you can often see a little bit more of a a dip in them. Correct. Yeah. And those sorts of downtimes are magnified as your balance increases as well.\n\nI can go through a bit of a risk profile questionnaire and just sort of have a gauge of where you're at, and we can sort of talk about the reduction. Would that be okay? Yeah. Beautiful. You've probably done a couple of these in the past.\n\nIt is just about six questions. They're all multiple choice. I'll ask you the question, give you the options for answers. If you're not really sure, just let me know and we can talk it through. Okay?\n\nBeautiful. The first one here is have you ever owned direct shares in your own name before? Direct shares in your own name? You have? Yep.\n\nDo you still own any of those at all? Nope. That's okay. Mhmm. All gone.\n\nPerfect. So I'll just tick that box there. Beautiful. Now the next one here is asking the time horizon between now to when you're wanting to access your super. So having a bit of a look back at your conversation with my colleague, Michelle, there, you had noted that you were hoping to retire around about age 65.\n\nIs that still sort of your goal? Yeah. Yeah. Yeah. Correct.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Perfect. So under the current legislation at the age of 65, regardless of whether you're working or not, your super is changed to the unrestricted nonpreserved. Sorry. So you basically get access at the age of 65 regardless of whether you're working or do you think it'd be around about that 65 mark you'd be wanting to reduce your hours?\n\nDo you think it'd be before that time frame? About then? Yeah. Perfect. Yeah.\n\nThat's right. That's exactly right. Honestly, ten years doesn't feel like a long time as we get older, but I it's a lot can happen in ten years. If you look back at the last ten years, you've probably had so many changes in your lifetime. So perfect.\n\nSo what I'll do is I'll make 65 the goal age there for you for us to work forward. So we have about a ten year time horizon to see what we can do. Our job is to keep monitoring things and moving things as we do to as we get towards that goal, but then you don't have to retire. It's just giving you the option to stop working or access your stupid. We're not gonna, in any way, shape, or form, force you to do so.\n\nOkay. Yeah. Yep. Yeah. Yep.\n\nYep. Yeah. Yeah. That is great in theory. The only downside I see to that occurring is that at the age of 65, because every, you know, couple of years in a ten year period, we do expect to see at least one or two years of negative returns.\n\nAnd as your balance gets higher and higher, you are impacted by those a lot more. You feel them a lot more. Essentially, at the age of 65, if we are still in that high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly. I mean, even now, we are looking to reduce the risk a little bit, but you're still seeing a positive return out of your entire portfolio for the twelve months. I would hate to be cementing losses at a time where your portfolio might be seeing, you know, COVID like event again or something like that because we do know those events will occur in the future.\n\nWe don't know when they're gonna occur. And the idea of reducing the risk is that we're minimizing the risk of those events having a larger effect on your portfolio. Does that make sense? Yeah. Beautiful.\n\nBeautiful. The next one here is asking about inflation. It says, how much risk do you feel you're comfortable taking in order to make sure your returns are keeping up with inflation? Do you think you're comfortable taking on the highest level of risk that to get the best returns you possibly can? You're a bit more of a gambler.\n\nOption number two says you still want a higher level of risk for good returns, but probably more calculated risk. Option number three says you wanna take on a moderate or medium amount of risk to get the best returns you can. All the last options says you don't wanna take on any risk to get, you know, whatever returns you're able to obtain. See? Beautiful.\n\nCalculated. Perfect. Absolutely. Me too. The next one here is about volatility, and it says, how would you feel in six months if you saw your portfolio fall by 20% due to external market factors?\n\nWould you be one wanting to put more more money into the market as a buying opportunity? Option number two, are you likely to hold and wait and call us, or are you more likely to try and cement those losses and move your money to something more secure? Yep. Yep. Beautiful.\n\nBeautiful. Yeah. Excellent. The next one here is asking what reasonable rate of return you'd like to achieve from your portfolio over the longer term. Am I right?\n\nYou're looking for the highest return you can possibly get? Yep. Yep. That's okay. And the second last one here, it says, how would you or have you ever looked at your super and seen it fall in value?\n\nBecause we know this will happen again in the future to you know, with external market factors and the volatility that we experience in the next ten years. How might how might you feel if you saw your super fall in value? Are you wanting to put more money into it? Are you a bit cautious? Are you concerned, or are you feeling very anxious?\n\nThat's okay. Yeah. Yep. Do you feel a bit cautious? You probably wanna know what what's happening, why it's happening.\n\nYou know? Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Okay. Perfect. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is borrowing something you've only ever wanted to do for property? No.\n\nThat's okay. All good. No. Perfect. It's I've got a a goal here that you were hoping to maybe in the next few years get an investment property.\n\nIs that still something you'd like to do moving forward, or are you just focusing on your main primary residence? Or yep. Perfect. Yep. Perfect.\n\nPerfect. And, look, that's not bad. Going into retirement use debt free definitely gives you super a bit more longevity because it allows you to draw less out, which is a good thing. Yeah. No.\n\nPerfect. Yeah. Yep. Yep. Perfect.\n\nWell, when you are ready to downsize and you put on the market, let me know because there's things we can definitely do to help you with and we can provide advice on what to do with the funds for you as well. Okay? Beautiful. Now thank you for answering those questions. Now, look, Jason, you have come out as a growth investor.\n\nSo a growth investor sees about 80% of their super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. In your high growth environment at the moment, you see 90% invested in those areas. So this is dropping you down just by 10% there, and then we're increasing those defensive investments by about 10% so we have more cash, bonds, and fixed interest in those areas. With the growth investor, you're still taking on a fair amount of risk there. We do expect the likelihood of a negative return to be one in every five years.\n\nAnd with a high growth environment, we like you to be invested for eight years prior to accessing your super. Whereas with the growth portfolio, you can be in that up until about six years, you know, six years away from wanting to access Lupus. So you are just reducing your risk level a little bit. You're still getting those good returns that you're still having a fair amount invest in those growth investments there. The expected returns out of a high growth portfolio is averaging between sort of eight to 10, whereas in a growth portfolio, we'd expect the average returns to be around about seven to 9% there.\n\nSo we're sort of aiming for that sort of portfolio. Are you comfortable just by stepping down a little bit, maybe moving back into that growth environment a little bit? Not necessarily. The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns. We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things.\n\nHowever, our high growth environment or our high growth portfolio has, at times, performed worse than our growth portfolio and vice versa. So it just comes down to so many different factors when we are looking at it. It's about when contributions are going in. It's the different asset allocation, So I mean, different market performances like inflation, interest rates, economic growth, geopolitical factors. Donald Trump tweeting on a regular basis.\n\nCorrect. So there are a lot of different things that go into the play there. If you wanted to, what I could do is because you do have that ten years before you're wanting to access Super at this point and maybe start reducing back, I can keep you in the high growth environment for a little bit longer. We could do a catch up in twelve months or even in six months to see where things are going, and then just maybe evaluate it then again. I can keep you at 90 sort of 10 split just for a little bit longer if you'd like to.\n\nYou do have that ten year horizon, and we can certainly look if that helps for the year. How do you feel? We'll take it down a little bit? Yeah. Perfect.\n\nNot a problem at all. So I'll have a look at the growth. Absolutely. Most definitely. So what I'll do is I'll go back.\n\nI'll do a bit of research with my team there. It takes a couple of weeks to do the research properly for you. We'll update the advice document to reflect the change in the portfolio, what we're gonna do. I will definitely look at that estimate product for you to see if it's gonna be beneficial for you working towards your goals there. We'll bring you back down to the growth portfolio.\n\nAs part of the advice document, you'll be you're at mhmm. Yeah. Yeah. Absolutely. Yeah.\n\nYes. Yep. Absolutely. I can look at both those options for you and let you know what we recommend as part of the advice. It'll have the advantages, disadvantages, and the risks involved so you get to take it all on board and then make a decision as to whether you wanna take the advice or not.\n\nOkay. Yeah. Beautiful. That's okay. Now as part of that, I know you did mention that you did lose a fair a fair value of super about a 100 or thousand there.\n\nAre you open to maybe making additional contributions in to kinda help provide a bit more of a benefit, or you're just wanting to see what your portfolio can do with your employer contributions? Okay. Okay. Okay. Yep.\n\nYeah. That's okay. So once the loan's sort of paid down or paid off completely, then you're happy to sort of maybe whack in some more contributions or in around the next five odd years. Yep. Perfect.\n\nNot a problem at all. I can break that out for you. It's not a problem at all. I will go back. I know Hub twenty four you've just moved in.\n\nIt is a great platform. There's nothing wrong with it. But as part of my process, I do reevaluate the platform as well. It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as well. Okay?\n\nWith the sorry. The insurances are also a really important part to sort of factor in as well. So at the moment, having a look at things, you've got your life cover only. It does certainly mean that in the event of passing, your life cover is paid out, but then also your super benefit is paid out to your beneficiaries there. I do have your beneficiaries noted here as so sorry.\n\nI'm looking here to have this look. Braden and Jeff for 50% each. You're still comfortable with that? Yep. Beautiful.\n\nAnd excellent. And with your Zurich Life cover there, you've got a sum insured of 525,000. You're comfortable with the sum insured didn't wanna look at altering that at all at the moment? That's okay. Yep.\n\nOkay. Yep. And so no. That's okay. So income protection and disability through your employer.\n\nSo you're not worried about having to get anything additional income disability wise? No. Yeah. No. That's understandable.\n\nThat's not a problem at all. Is it it's TPD as well as income protection. Is that right? That it pays out? Yeah.\n\nOkay. Has anyone here asked you to provide, like, any of the information on your TPD or income protection policy with your employer in the past? Yeah. Of course. No.\n\nThat's okay. Is there anything particular they need from us? Because I'm more than happy to go back to our team and, you know, we can get, like, a letter of authority drawn up and have it all signed and sent through to them. Is there anything particular they're requesting to get the information? Right.\n\nYeah. No. That's okay. What I can do is I can also have a bit of a look around to see if do you guys have, like, an enterprise bargaining agreement or anything like that that you sign on a regular basis that might have that information in it? Yep.\n\nYeah. Yeah. Yep. That's okay. Leave it with me.\n\nYep. Perfect. I'll tell you what. Leave it with me. I will do a bit of researching around.\n\nI'm pretty good with that. If there is something to find, we'll be able to find it for you and see what we can do. If we can't, that's absolutely okay. We just have to know. We don't we're not able to obtain the information.\n\nBut leave it with me, and I'll go and do whatever I can. As I said, you pay for our services, so I'll do that research for you on your behalf. Okay? Yeah. Yep.\n\nOkay. Yeah. Perfect. I'll even get a head of advice to help me draw up something on a letterhead for you so it can be sent through to them via email. Makes it a little bit more official for you.\n\nOkay? Yep. That's not a problem at all. Thank you so much for that. Now the only other type of kinda cover that you would normally wanna be looking at would be something like trauma, which tends to pay out a lump sum benefit, tax free benefit too in the event of a major diagnosis, tends to be things like cancer, Parkinson's, neurological conditions are a big one as well.\n\nTrauma has to be paid out of your back pocket. We do have to just sort of clarify with you. Did you wanna look at any kind of trauma cover, or you're happy with the life cover and your employer policy paid? Have you yep. That's okay.\n\nIf you ever wanted to talk about any of these yeah. No. That's okay. Sorry. You said you're trying to increase the policy.\n\nIs that the one with your employer? Or of course. Yes. So sorry. That no.\n\nThat's okay. That's absolutely fine. We just have to go through all of those to make sure that you understand what you're allowed to have and give you the option to do so. It's just always really important to clarify those options. If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you.\n\nOkay? Perfect. Lovely. So just to kinda recap there, I'm gonna go back and review the soup of the investment side of things, what the capital gains consequences might be, and also the cost of the different options there. Look at the benefit working from now to the age of 65 to see where we can go with it, make sure it's providing you the options.\n\nWe're not looking at any additional contributions as of yet. That's something to put down the track for the next sort of five years or so, and keeping the the level of cover you have at the moment, and we'll see what we can find out about your your disability cover with your employer. Does that sound right? Have I missed anything at all, Jason? No.\n\nPerfect. And you're happy with your beneficiary nominations there being your two kids. I can see they're binding, non lapsing as well, which is fantastic. One of the big things with the binding, non lapsing nomination is that it binds the trustee to follow the direction that you've made and non lapsing. So you don't have to fill out those beneficiary forms on a regular basis, which is a benefit for you as well.\n\nOkay? Absolutely. Yes. Yep. Okay.\n\nPerfect. I can see here that Michelle did speak to you about that. Did she send you the detail of our solicitor and the information pack there at all, or is that something you're doing through your solicitor you know? Or okay. Yep.\n\nThat's okay. Yeah. Yeah. Absolutely. I'll follow-up on the team and make sure the email comes out to you this afternoon.\n\nI'm so sorry that hasn't been sent to you. Okay. Perfect. All good. No.\n\nNo. Honestly, it is all good. I will follow that one up for you. Really appreciate that Google review as well. Michelle is beautiful to speak to.\n\nI love I love working with her. She's an absolute gem. She's like everyone's mom. It's great. No.\n\nAbsolutely. No. Definitely not. Well, we appreciate that. No.\n\nThank you so much. No. I will get working on this as my team. It does take a few weeks to sort of put the advice together for you because it is quite in-depth in making sure we research everything, especially when it comes to the employer paid policy. But if you have any questions in the meantime, Jason, please do let me know.\n\nI'm more than happy to make time to touch base with you. I do work generally around until about six, 07:00 Queensland time at night, Monday to Thursday. So more than happy to take time for you after work if you need to as well. Oh, no. I love this.\n\nThis is fantastic. I'm the craziest person ever to talk about insurance. This is super, but it's fantastic. It's so much fun to help people meet their goals. So yeah.\n\nAll good. Is there anything else that you might need for me at the moment? Any other questions or anything else to sort of bring up at the moment at all? Yep. Yep.\n\nYes. Absolutely. No. Thank you so much for your time this afternoon. It's been a pleasure to get to know you.\n\nI'll get working on that research there for you. If there's anything else that need in the meantime, I'll let you know, and I'll get my head of advice to help us do up a an official document requesting the information for your disability cover as well, and we'll get that email through. Okay? My pleasure. You have a lovely afternoon, Jason.\n\nThank you so much for your time. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jason.","start":4.56,"end":5.12,"sentiment":"neutral","sentiment_score":0.154264934360981},{"text":"This is Dana from Oku Financial.","start":5.12,"end":6.72,"sentiment":"neutral","sentiment_score":0.16612682243188223},{"text":"How are you this afternoon?","start":6.72,"end":7.94,"sentiment":"neutral","sentiment_score":0.23705064356327057},{"text":"That's I'm very well.","start":9.84,"end":11.12,"sentiment":"positive","sentiment_score":0.6036431044340134},{"text":"Thank you.","start":11.12,"end":11.44,"sentiment":"positive","sentiment_score":0.6843908131122589}],"sentiment":"neutral","sentiment_score":0.33020516132053573,"num_words":19,"start":4.56,"end":11.44},{"sentences":[{"text":"Thanks for asking.","start":11.44,"end":12.24,"sentiment":"positive","sentiment_score":0.6618689695994059},{"text":"I had you booked in for a bit of a catch up today.","start":12.24,"end":14.16,"sentiment":"neutral","sentiment_score":0.29700521322397083},{"text":"Is now still a good time there for you?","start":14.16,"end":15.975,"sentiment":"neutral","sentiment_score":0.2122721473375956},{"text":"Fantastic.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.6970169544219971},{"text":"Jason, before we jump into the call, just to let you know, we do record our calls for training and quality purposes.","start":19.175,"end":23.815,"sentiment":"neutral","sentiment_score":0.19575046815655447}],"sentiment":"neutral","sentiment_score":0.2658469012627999,"num_words":48,"start":11.44,"end":23.815},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":23.815,"end":25.755001,"sentiment":"neutral","sentiment_score":0.23898480667008293},{"text":"Beautiful.","start":27.255001,"end":27.755001,"sentiment":"positive","sentiment_score":0.6520342826843262},{"text":"And, also, just to do security there with you, we we are discussing your personal information.","start":27.815,"end":31.61,"sentiment":"neutral","sentiment_score":0.1653602933511138},{"text":"So I'll just get you to confirm for me just your full name, your date of birth, and address I should have on file.","start":31.61,"end":36.19,"sentiment":"neutral","sentiment_score":0.13315984948227802},{"text":"Yeah.","start":41.21,"end":41.71,"sentiment":"neutral","sentiment_score":0.030417583882808685}],"sentiment":"neutral","sentiment_score":0.1700963962311838,"num_words":51,"start":23.815,"end":41.71},{"sentences":[{"text":"Beautiful.","start":43.275,"end":43.755,"sentiment":"neutral","sentiment_score":0.1910442411899567},{"text":"Thank you so much for that.","start":43.755,"end":45.215,"sentiment":"positive","sentiment_score":0.5413103004296621},{"text":"Correct me if I'm wrong, Jason.","start":45.595,"end":46.555,"sentiment":"neutral","sentiment_score":-0.04538851728041967},{"text":"I just had a bit of a look at the file prior to the call, and I know you've completed your annual review of my colleague, Michelle.","start":46.555,"end":51.615,"sentiment":"neutral","sentiment_score":-0.026656786160957482},{"text":"It may mention here that you wanted to have a bit of a chat about the portfolio.","start":52.075,"end":54.88,"sentiment":"neutral","sentiment_score":-0.03154154877890559}],"sentiment":"neutral","sentiment_score":0.03351991902628358,"num_words":57,"start":43.275,"end":54.88},{"sentences":[{"text":"It's obviously not performed as well as it has in previous years.","start":54.88,"end":58.16,"sentiment":"neutral","sentiment_score":-0.19648388649026552},{"text":"So I just wanted to sort of maybe get a bit of a catch up there and have a look at what we can do to maybe alter that.","start":58.16,"end":63.120003,"sentiment":"neutral","sentiment_score":-0.05129662991083901},{"text":"Is that right, or is there anything that might be missing from that at all?","start":63.120003,"end":66.255,"sentiment":"neutral","sentiment_score":-0.11693266456325849},{"text":"Yeah.","start":74.015,"end":74.515,"sentiment":"neutral","sentiment_score":-0.0738125741481781},{"text":"Yeah.","start":77.454994,"end":77.695,"sentiment":"neutral","sentiment_score":-0.05374204367399216}],"sentiment":"neutral","sentiment_score":-0.09874057744083733,"num_words":58,"start":54.88,"end":77.695},{"sentences":[{"text":"Yeah.","start":77.695,"end":78.195,"sentiment":"neutral","sentiment_score":-0.029092732816934586},{"text":"Yep.","start":78.689995,"end":79.189995,"sentiment":"neutral","sentiment_score":-0.02373005449771881},{"text":"Yeah.","start":81.729996,"end":82.229996,"sentiment":"neutral","sentiment_score":-0.1021336019039154},{"text":"Yeah.","start":102.064995,"end":102.384995,"sentiment":"neutral","sentiment_score":0.2556387782096863},{"text":"We absolutely can.","start":102.384995,"end":103.66499,"sentiment":"positive","sentiment_score":0.36934945980707806}],"sentiment":"neutral","sentiment_score":0.17267582405890738,"num_words":7,"start":77.695,"end":103.66499},{"sentences":[{"text":"So one of the things I know, do go back and have a really good look at sort of where you've been from when you came on board to now.","start":103.66499,"end":109.26,"sentiment":"neutral","sentiment_score":0.21164199958244959},{"text":"Having a look and I one of the things I do like to look at is obviously not just a portfolio over the last twelve months, but what it did over the course of last year.","start":110.04,"end":117.08,"sentiment":"neutral","sentiment_score":0.13325824681669474},{"text":"So I can see here in 2024, my colleague Veronica did provide the advice to move you into hub twenty four.","start":117.08,"end":122.725,"sentiment":"neutral","sentiment_score":0.17901589650483357},{"text":"So you were kinda going through that implementation process again there and moving the money around.","start":122.725,"end":127.064995,"sentiment":"neutral","sentiment_score":0.24062253441661596},{"text":"From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see.","start":127.924995,"end":138.43,"sentiment":"positive","sentiment_score":0.6344057987133662}],"sentiment":"neutral","sentiment_score":0.2841204903123522,"num_words":133,"start":103.66499,"end":138.43},{"sentences":[{"text":"Unfortunately, from sort of early November to December, Bennelong, your Australian equities component in there, one of the underlying investments had been a bit dishonest to the market that had kinda come out in late November, early December time frame, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which has, unfortunately, meant that everyone's gone back and reevaluated Bennelong as well.","start":138.43,"end":163.445,"sentiment":"negative","sentiment_score":-0.4393880648025568},{"text":"So that is essentially the component of your portfolio that has is dragging the rest of the returns down.","start":163.445,"end":168.905,"sentiment":"negative","sentiment_score":-0.35080083577256455},{"text":"Otherwise, everything else there has been performing quite well.","start":169.17,"end":172.31,"sentiment":"neutral","sentiment_score":0.1075086063808865},{"text":"The idea of having BANELON in your portfolio was it was giving you a bit of active management.","start":173.01,"end":177.89,"sentiment":"neutral","sentiment_score":0.03067744854423735},{"text":"So one of the things is they are they wanna buy and sell in line with what's happening in the market, but, unfortunately, even they couldn't predict what was the you know, what sort of happened last year with corporate traveler there.","start":177.89,"end":188.865,"sentiment":"neutral","sentiment_score":-0.150630699648034}],"sentiment":"neutral","sentiment_score":-0.2661764981213269,"num_words":157,"start":138.43,"end":188.865},{"sentences":[{"text":"What we are sort of wanting to do, and that's what, you know, our investment committee have been sort of looking at over since we came back after Christmas.","start":189.32501,"end":195.90001,"sentiment":"neutral","sentiment_score":-0.09929174184799194},{"text":"There is what to do in this sort of scenario, so whether we remove Van Alung as a whole.","start":195.90001,"end":199.84001,"sentiment":"neutral","sentiment_score":0.0031905401203977434},{"text":"And they have actually come back saying they do wanna remove Van Alung.","start":200.14,"end":203.18001,"sentiment":"neutral","sentiment_score":0.009830808338637535},{"text":"So we can look at a couple of different things for you.","start":203.18001,"end":206.46,"sentiment":"neutral","sentiment_score":0.04463180744399627},{"text":"We can look at just swapping out Van Alung and putting something else in its place.","start":206.46,"end":210.255,"sentiment":"neutral","sentiment_score":0.04227469745092094}],"sentiment":"neutral","sentiment_score":-0.016618684206283495,"num_words":89,"start":189.32501,"end":210.255},{"sentences":[{"text":"Or if you're comfortable with me looking at, do you look at your investments in your super very often, Jason?","start":210.41501,"end":216.015,"sentiment":"neutral","sentiment_score":0.02774065127596259},{"text":"Is it something you like to log in and have a look at, or you're not too fast?","start":216.015,"end":219.615,"sentiment":"neutral","sentiment_score":0.013899447810318735},{"text":"Or no.","start":219.615,"end":222.435,"sentiment":"neutral","sentiment_score":-0.11093233060091734},{"text":"Yeah.","start":226.39,"end":226.89,"sentiment":"neutral","sentiment_score":-0.0444808304309845},{"text":"Yeah.","start":227.59,"end":227.91,"sentiment":"neutral","sentiment_score":-0.01989036425948143}],"sentiment":"neutral","sentiment_score":0.012351600719349725,"num_words":42,"start":210.41501,"end":227.91},{"sentences":[{"text":"No.","start":227.91,"end":228.06999,"sentiment":"neutral","sentiment_score":-0.06808953732252121},{"text":"That's okay.","start":228.06999,"end":228.89,"sentiment":"neutral","sentiment_score":-0.000972614623606205},{"text":"Absolutely.","start":229.75,"end":230.25,"sentiment":"neutral","sentiment_score":0.2500978708267212},{"text":"And this is probably actually a really good question, and you've answered it really well for me because what has also been occurring over the last twelve months is our investment committee, along with utilizing BlackRock's investment firm, we've actually developed what's called an SMA or a separately managed account.","start":230.47,"end":245.14499,"sentiment":"neutral","sentiment_score":0.2550686603784561},{"text":"If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product.","start":245.20499,"end":255.84,"sentiment":"neutral","sentiment_score":0.15909975032145912}],"sentiment":"neutral","sentiment_score":0.20681524049531627,"num_words":91,"start":227.91,"end":255.84},{"sentences":[{"text":"Inside that SMA product, we actually have anywhere from 20 to 50 different investment options.","start":256.54,"end":261.52,"sentiment":"neutral","sentiment_score":0.16290783683458965},{"text":"And the benefit to having this kind of an SMA is that whilst you lose a little bit of visibility on the investments in your super fund there, it actually means that when funds are underperforming like what Fenelon has, instead of updating the advice to reflect and change one investment, our investment committee along with BlackRock's investment team can actually go in there and make those changes for you so we don't we can make them a lot faster.","start":261.66,"end":285.1,"sentiment":"neutral","sentiment_score":0.33208371289074423},{"text":"Is that something you would like me to have a look at for you?","start":285.32,"end":288.22,"sentiment":"neutral","sentiment_score":0.14790974344526017},{"text":"Yes.","start":289.63998,"end":290.13998,"sentiment":"neutral","sentiment_score":0.1176186576485634},{"text":"Perfect.","start":290.6,"end":291.1,"sentiment":"neutral","sentiment_score":0.2332734167575836}],"sentiment":"neutral","sentiment_score":0.28317065825601956,"num_words":111,"start":256.54,"end":291.1},{"sentences":[{"text":"Absolutely.","start":291.72,"end":292.22,"sentiment":"neutral","sentiment_score":0.14492709934711456},{"text":"No.","start":298.295,"end":298.695,"sentiment":"neutral","sentiment_score":-0.06449111551046371},{"text":"Most of the funds are performing really, really well for majority of the year there.","start":298.695,"end":302.45502,"sentiment":"neutral","sentiment_score":0.2871104915936788},{"text":"It's just, essentially, last year was a very volatile year.","start":302.45502,"end":305.49503,"sentiment":"negative","sentiment_score":-0.4036773398518562},{"text":"I actually opened up your hub '24 and had a really good look at where things were.","start":305.49503,"end":309.67502,"sentiment":"neutral","sentiment_score":0.2661646188181989}],"sentiment":"neutral","sentiment_score":0.11079814725301483,"num_words":44,"start":291.72,"end":309.67502},{"sentences":[{"text":"When I go back so sorry.","start":310.28,"end":312.38,"sentiment":"neutral","sentiment_score":0.003143204376101494},{"text":"I'm just going back to your investments here because I know that advice was provided around about the 2024 there.","start":313.32,"end":321.32,"sentiment":"neutral","sentiment_score":0.03729330732021481},{"text":"So early last year, we were kinda going through the implementation process.","start":321.32,"end":324.62,"sentiment":"neutral","sentiment_score":0.17961727268993855},{"text":"When I have a look at what's happened with your portfolio as a whole, it was actually quite positive at the start of last year.","start":324.965,"end":332.965,"sentiment":"positive","sentiment_score":0.5573193979263306},{"text":"So looking forward from, say, January all the way up until around about February 14, you're you were actually up quite significantly, and your portfolio had done really well.","start":332.965,"end":344.09,"sentiment":"positive","sentiment_score":0.4641064405441284}],"sentiment":"neutral","sentiment_score":0.32948048227041477,"num_words":92,"start":310.28,"end":344.09},{"sentences":[{"text":"However, from about sort of mid February last year until about April, we had seen a lot of ups and downs in the market, and that's when the market as a whole saw quite a large dip.","start":344.31,"end":355.37,"sentiment":"neutral","sentiment_score":-0.2972995270345662},{"text":"That unfortunately had impacted your portfolio there.","start":355.56497,"end":358.305,"sentiment":"negative","sentiment_score":-0.544340968132019},{"text":"From that dip, it took a bit of time.","start":358.685,"end":360.84497,"sentiment":"neutral","sentiment_score":-0.29595005843374467},{"text":"You did recover out, and your portfolio was providing a positive return.","start":360.84497,"end":364.78497,"sentiment":"positive","sentiment_score":0.3432372498015563},{"text":"I'm just looking there.","start":365.245,"end":366.205,"sentiment":"neutral","sentiment_score":0.218813668936491}],"sentiment":"neutral","sentiment_score":-0.18086837869191516,"num_words":69,"start":344.31,"end":366.205},{"sentences":[{"text":"So you're up around about 7% up until around about early late October.","start":366.205,"end":372.38,"sentiment":"neutral","sentiment_score":0.17090850380750802},{"text":"Early November is when we really started to see a bit of a dip there, and then your portfolio has taken a bit more of a dive from there.","start":372.6,"end":379.8,"sentiment":"neutral","sentiment_score":-0.06788885118118648},{"text":"So you're down from, say, December, January to now, and it's starting to come back and recover again.","start":379.8,"end":385.63998,"sentiment":"neutral","sentiment_score":-0.09349681023094389},{"text":"So that's what I can sort of see.","start":385.63998,"end":387.315,"sentiment":"neutral","sentiment_score":0.05465418519452214},{"text":"I can see where you started.","start":387.315,"end":388.595,"sentiment":"neutral","sentiment_score":0.1024040716389815}],"sentiment":"neutral","sentiment_score":-0.0051114973989692895,"num_words":74,"start":366.205,"end":388.595},{"sentences":[{"text":"You were going quite well, and then the market dip that we saw last year, early last year, had a bit of an effect on your portfolio, and then we see it go down a bit.","start":388.595,"end":396.91498,"sentiment":"neutral","sentiment_score":0.004676006216969755},{"text":"It had recovered back and was doing nicely, and you actually made that money back and had a full recovery and some additional growth there until that issue with Bennelong, and that's kinda had a bit more of a pullback.","start":396.91498,"end":407.97,"sentiment":"neutral","sentiment_score":0.09743607603013515},{"text":"So Bennelong as a whole is actually down by about 20% at the moment, and that's sort of why yeah.","start":407.97,"end":414.345,"sentiment":"neutral","sentiment_score":-0.2563117600977421},{"text":"So that's why your portfolio is only sort of seeing about a three to 4% return.","start":414.345,"end":418.685,"sentiment":"neutral","sentiment_score":-0.1073021360207349},{"text":"So it has had quite a significant quite a significant pullback on your portfolio, and that is the majority of why your returns are down.","start":418.825,"end":427.92,"sentiment":"negative","sentiment_score":-0.444537356197834}],"sentiment":"neutral","sentiment_score":-0.10139214611836593,"num_words":137,"start":388.595,"end":427.92},{"sentences":[{"text":"Benelong is also quite a significant part of your portfolio.","start":428.24002,"end":431.7,"sentiment":"neutral","sentiment_score":0.06857695318758487},{"text":"I went back and had a really good look.","start":432.16,"end":433.68002,"sentiment":"positive","sentiment_score":0.5501704414685568},{"text":"And the benefit to you getting that advice from Veronica in 2024 was that in your first advice document, that was, sorry, back in 2022 or 2020, I think it was.","start":433.68002,"end":444.875,"sentiment":"neutral","sentiment_score":0.18037335268191754},{"text":"I'm so sorry.","start":444.875,"end":445.51498,"sentiment":"neutral","sentiment_score":-0.1350980723897616},{"text":"I'm just pulling it up now.","start":445.51498,"end":447.135,"sentiment":"neutral","sentiment_score":-0.0941544957458973}],"sentiment":"neutral","sentiment_score":0.17387552960318023,"num_words":59,"start":428.24002,"end":447.135},{"sentences":[{"text":"Yeah.","start":450.315,"end":450.635,"sentiment":"neutral","sentiment_score":0.021634427830576897},{"text":"So your original advice document, you had about 40 invested in Banner Long.","start":450.635,"end":454.79498,"sentiment":"neutral","sentiment_score":-0.015891630489092607},{"text":"So with Veronica going back and providing that updated advice document back in 2024, we'd actually reduced your Banner Long exposure to 10% from that 40.","start":454.79498,"end":464.03,"sentiment":"neutral","sentiment_score":-0.06123280124022411},{"text":"So it's definitely not as high as a dip as what it would have seen if we hadn't provided that advice back in 2024.","start":464.03,"end":470.66998,"sentiment":"neutral","sentiment_score":-0.23134985007345676},{"text":"So that is a benefit, but it is still down quite significantly.","start":470.66998,"end":474.215,"sentiment":"negative","sentiment_score":-0.3591364175081253}],"sentiment":"neutral","sentiment_score":-0.15314530279781474,"num_words":76,"start":450.315,"end":474.215},{"sentences":[{"text":"It's not what we want, and we definitely did wanna make sure we move everyone out of that along from now.","start":474.355,"end":479.635,"sentiment":"negative","sentiment_score":-0.47624181565784274},{"text":"Does that make sense?","start":479.635,"end":480.435,"sentiment":"neutral","sentiment_score":-0.033524408005177975},{"text":"Do you have any questions from that?","start":480.435,"end":481.715,"sentiment":"neutral","sentiment_score":0.01680640583591802},{"text":"You're welcome to get me to elaborate more or ask any other questions.","start":481.715,"end":485.095,"sentiment":"neutral","sentiment_score":0.13880067146741426},{"text":"You have.","start":497.49,"end":498.13,"sentiment":"neutral","sentiment_score":-0.0010829675011336803}],"sentiment":"neutral","sentiment_score":-0.17479336438106097,"num_words":47,"start":474.355,"end":498.13},{"sentences":[{"text":"You have.","start":498.13,"end":498.87,"sentiment":"neutral","sentiment_score":-0.019406924955546856},{"text":"Yeah.","start":501.695,"end":502.195,"sentiment":"neutral","sentiment_score":0.0190424807369709},{"text":"So 2020 was your first document there.","start":502.255,"end":504.495,"sentiment":"neutral","sentiment_score":0.009215894687388624},{"text":"I was just sort of waiting for the system to load.","start":504.495,"end":506.655,"sentiment":"neutral","sentiment_score":-0.003033588725057515},{"text":"I do apologize.","start":506.655,"end":507.475,"sentiment":"neutral","sentiment_score":-0.05526414761940638}],"sentiment":"neutral","sentiment_score":-0.006434251049843927,"num_words":24,"start":498.13,"end":507.475},{"sentences":[{"text":"Computers are a bit sickle.","start":507.535,"end":508.835,"sentiment":"neutral","sentiment_score":-0.2018508344888687},{"text":"But 2020 was your first document.","start":509.29498,"end":510.97498,"sentiment":"neutral","sentiment_score":-0.01689246545235316},{"text":"It was September 2020.","start":510.97498,"end":512.735,"sentiment":"neutral","sentiment_score":-0.013338784221559763},{"text":"That was basically when COVID was sort of in place there.","start":512.735,"end":515.88,"sentiment":"neutral","sentiment_score":-0.04025483791801063},{"text":"And then, yeah, 2024 was the updated change there, which is when we had reduced the exposure in the Banna Long, but we do wanna remove it fully now.","start":516.12,"end":524.06,"sentiment":"neutral","sentiment_score":-0.018646566454192687}],"sentiment":"neutral","sentiment_score":-0.03904577720571648,"num_words":55,"start":507.535,"end":524.06},{"sentences":[{"text":"We wanna make sure we are doing that.","start":524.28,"end":525.96,"sentiment":"neutral","sentiment_score":0.07314461562782526},{"text":"So if you like, what we can do is we can utilize the fact that it is down to our extent.","start":525.96,"end":530.055,"sentiment":"neutral","sentiment_score":0.07988859562291986},{"text":"So because it is down, you have seen a little bit of a drop there.","start":530.055,"end":533.275,"sentiment":"neutral","sentiment_score":-0.2590977268914382},{"text":"In saying that, when I also had a quick look, your when you did the annual review of Michelle, that she noticed the balance in your account was about a hun 264,128.","start":533.415,"end":544.535,"sentiment":"neutral","sentiment_score":0.00972898630425334},{"text":"So from there to now, you're at 266,000.","start":544.535,"end":548.39996,"sentiment":"neutral","sentiment_score":0.06554657639935613}],"sentiment":"neutral","sentiment_score":-0.009380336873055924,"num_words":84,"start":524.28,"end":548.39996},{"sentences":[{"text":"So your portfolio has seen a bit of an increase over the last week or so, which is good to see.","start":548.39996,"end":553.3,"sentiment":"positive","sentiment_score":0.498043397352809},{"text":"It does show that it is recovering back, but we can utilize that debt to our advantage.","start":553.44,"end":558.32,"sentiment":"neutral","sentiment_score":0.20798719060771606},{"text":"So while Bennelong has had, sorry, a bit of a a dip in your portfolio and is down significantly, cementing some of those losses to your portfolio, if we move you into the SMA, can actually offset some of the capital gains by us moving some of the other investments there.","start":558.32,"end":572.615,"sentiment":"neutral","sentiment_score":-0.053487605177888684},{"text":"So if you're comfortable with us doing that, I can go back.","start":572.615,"end":575.82,"sentiment":"neutral","sentiment_score":0.0853301677852869},{"text":"I can do the research against the estimate to see if it's appropriate for you in helping you to meet your goals, but also just assess whether maybe moving one or two investments might suit you as well, look at how we can minimize the CGT consequences of your super, but also look at how this might help you moving forward towards meeting your retirement goals.","start":575.82,"end":593.955,"sentiment":"neutral","sentiment_score":0.23380449053012964}],"sentiment":"neutral","sentiment_score":0.16599930604239424,"num_words":167,"start":548.39996,"end":593.955},{"sentences":[{"text":"Would that be something you'd be comfortable with?","start":593.955,"end":596.375,"sentiment":"neutral","sentiment_score":0.10495152371004224},{"text":"Yeah.","start":597.075,"end":597.575,"sentiment":"neutral","sentiment_score":0.14321230351924896},{"text":"Beautiful.","start":598.03503,"end":598.515,"sentiment":"positive","sentiment_score":0.35222670435905457},{"text":"You yeah.","start":598.515,"end":604.21,"sentiment":"neutral","sentiment_score":-0.143814817070961},{"text":"I'm so sorry.","start":606.51,"end":607.97003,"sentiment":"neutral","sentiment_score":-0.2202744036912918}],"sentiment":"neutral","sentiment_score":0.025773223489522934,"num_words":15,"start":593.955,"end":607.97003},{"sentences":[{"text":"I'm so sorry.","start":610.35004,"end":611.57,"sentiment":"neutral","sentiment_score":-0.26317426562309265},{"text":"Yes.","start":614.735,"end":615.235,"sentiment":"neutral","sentiment_score":0.023599281907081604},{"text":"Absolutely.","start":615.53503,"end":616.03503,"sentiment":"neutral","sentiment_score":0.22899138927459717},{"text":"Most definitely.","start":616.575,"end":617.475,"sentiment":"neutral","sentiment_score":0.24874868988990784},{"text":"One of the other things you may have mentioned to me, Jason, was that you'd like to maybe look at reducing your exposure because you are in a high growth portfolio at the moment.","start":617.855,"end":625.295,"sentiment":"neutral","sentiment_score":0.05672240673619158}],"sentiment":"neutral","sentiment_score":0.046076270320066594,"num_words":41,"start":610.35004,"end":625.295},{"sentences":[{"text":"And, honestly, a high growth portfolio does suit someone who is willing to take on a bit more risk.","start":625.295,"end":630.33,"sentiment":"neutral","sentiment_score":0.1193959454172536},{"text":"However, where markets are seeing a bit of a dip or where investments might not be performing as well, you can often see a little bit more of a a dip in them.","start":630.33,"end":638.59,"sentiment":"neutral","sentiment_score":-0.18809168334260132},{"text":"Correct.","start":639.03503,"end":639.53503,"sentiment":"neutral","sentiment_score":0.13100746273994446},{"text":"Yeah.","start":639.59503,"end":639.835,"sentiment":"neutral","sentiment_score":0.06544358283281326},{"text":"And those sorts of downtimes are magnified as your balance increases as well.","start":639.835,"end":644.09503,"sentiment":"neutral","sentiment_score":-0.12718888142934212}],"sentiment":"neutral","sentiment_score":-0.08052995522965246,"num_words":67,"start":625.295,"end":644.09503},{"sentences":[{"text":"I can go through a bit of a risk profile questionnaire and just sort of have a gauge of where you're at, and we can sort of talk about the reduction.","start":644.715,"end":650.955,"sentiment":"neutral","sentiment_score":-0.04004715623394135},{"text":"Would that be okay?","start":650.955,"end":652.015,"sentiment":"neutral","sentiment_score":0.034960776567459106},{"text":"Yeah.","start":653.25,"end":653.57,"sentiment":"neutral","sentiment_score":0.25942420959472656},{"text":"Beautiful.","start":653.57,"end":654.07,"sentiment":"positive","sentiment_score":0.6141769289970398},{"text":"You've probably done a couple of these in the past.","start":654.93,"end":656.85,"sentiment":"neutral","sentiment_score":0.2681610152125359}],"sentiment":"neutral","sentiment_score":0.052204096887974026,"num_words":47,"start":644.715,"end":656.85},{"sentences":[{"text":"It is just about six questions.","start":656.85,"end":658.37,"sentiment":"neutral","sentiment_score":0.20974338551362356},{"text":"They're all multiple choice.","start":658.37,"end":659.75,"sentiment":"neutral","sentiment_score":0.17709827423095703},{"text":"I'll ask you the question, give you the options for answers.","start":659.97,"end":662.37,"sentiment":"neutral","sentiment_score":0.19476327300071716},{"text":"If you're not really sure, just let me know and we can talk it through.","start":662.37,"end":665.49,"sentiment":"neutral","sentiment_score":0.08497860183318456},{"text":"Okay?","start":665.49,"end":665.99,"sentiment":"neutral","sentiment_score":0.0459437221288681}],"sentiment":"neutral","sentiment_score":0.14675330169297554,"num_words":37,"start":656.85,"end":665.99},{"sentences":[{"text":"Beautiful.","start":667.02496,"end":667.52496,"sentiment":"positive","sentiment_score":0.40753480792045593},{"text":"The first one here is have you ever owned direct shares in your own name before?","start":668.14496,"end":671.76495,"sentiment":"neutral","sentiment_score":0.058405467541888356},{"text":"Direct shares in your own name?","start":674.625,"end":676.485,"sentiment":"neutral","sentiment_score":0.010153810183207193},{"text":"You have?","start":678.225,"end":678.785,"sentiment":"neutral","sentiment_score":0.006495890207588673},{"text":"Yep.","start":678.785,"end":679.02496,"sentiment":"neutral","sentiment_score":0.012955090031027794}],"sentiment":"neutral","sentiment_score":0.05495738538985069,"num_words":26,"start":667.02496,"end":679.02496},{"sentences":[{"text":"Do you still own any of those at all?","start":679.02496,"end":681.20496,"sentiment":"neutral","sentiment_score":0.0002555627789762287},{"text":"Nope.","start":682.37,"end":682.69,"sentiment":"neutral","sentiment_score":-0.10708333551883698},{"text":"That's okay.","start":682.69,"end":683.51,"sentiment":"neutral","sentiment_score":-0.05757371708750725},{"text":"Mhmm.","start":683.57,"end":684.07,"sentiment":"neutral","sentiment_score":-0.017747584730386734},{"text":"All gone.","start":684.13,"end":684.87,"sentiment":"neutral","sentiment_score":-0.05718849413096904}],"sentiment":"neutral","sentiment_score":-0.023470351845026015,"num_words":15,"start":679.02496,"end":684.87},{"sentences":[{"text":"Perfect.","start":685.57,"end":686.07,"sentiment":"neutral","sentiment_score":0.28385859727859497},{"text":"So I'll just tick that box there.","start":686.13,"end":687.73004,"sentiment":"neutral","sentiment_score":0.18837800834860122},{"text":"Beautiful.","start":687.73004,"end":688.21,"sentiment":"positive","sentiment_score":0.47225359082221985},{"text":"Now the next one here is asking the time horizon between now to when you're wanting to access your super.","start":688.21,"end":692.85004,"sentiment":"neutral","sentiment_score":0.09553677029907703},{"text":"So having a bit of a look back at your conversation with my colleague, Michelle, there, you had noted that you were hoping to retire around about age 65.","start":692.85004,"end":700.84503,"sentiment":"neutral","sentiment_score":0.06698990497609665}],"sentiment":"neutral","sentiment_score":0.10221036029016149,"num_words":58,"start":685.57,"end":700.84503},{"sentences":[{"text":"Is that still sort of your goal?","start":700.84503,"end":702.54504,"sentiment":"neutral","sentiment_score":0.08803216740489006},{"text":"Yeah.","start":707.16504,"end":707.66504,"sentiment":"neutral","sentiment_score":-0.11578328162431716},{"text":"Yeah.","start":714.86005,"end":715.36005,"sentiment":"neutral","sentiment_score":-0.04965663701295853},{"text":"Yeah.","start":722.71497,"end":723.21497,"sentiment":"neutral","sentiment_score":0.024051427841186523},{"text":"Correct.","start":723.355,"end":723.855,"sentiment":"neutral","sentiment_score":0.05592618137598038}],"sentiment":"neutral","sentiment_score":0.048251169310374695,"num_words":11,"start":700.84503,"end":723.855},{"sentences":[{"text":"Yep.","start":724.315,"end":724.815,"sentiment":"neutral","sentiment_score":0.02108875662088394},{"text":"Yep.","start":726.95496,"end":727.45496,"sentiment":"neutral","sentiment_score":-0.04243910312652588},{"text":"Yeah.","start":735.61,"end":736.01,"sentiment":"neutral","sentiment_score":0.1892450451850891},{"text":"Yep.","start":736.01,"end":736.51,"sentiment":"neutral","sentiment_score":0.1672535389661789},{"text":"Yep.","start":736.57,"end":737.07,"sentiment":"neutral","sentiment_score":0.15683671832084656}],"sentiment":"neutral","sentiment_score":0.09839699119329452,"num_words":5,"start":724.315,"end":737.07},{"sentences":[{"text":"Yeah.","start":740.09,"end":740.49,"sentiment":"neutral","sentiment_score":0.299012690782547},{"text":"Perfect.","start":740.49,"end":740.99,"sentiment":"positive","sentiment_score":0.4777182340621948},{"text":"So under the current legislation at the age of 65, regardless of whether you're working or not, your super is changed to the unrestricted nonpreserved.","start":741.13,"end":750.105,"sentiment":"neutral","sentiment_score":0.07271021232008934},{"text":"Sorry.","start":750.165,"end":750.665,"sentiment":"neutral","sentiment_score":-0.03279608488082886},{"text":"So you basically get access at the age of 65 regardless of whether you're working or do you think it'd be around about that 65 mark you'd be wanting to reduce your hours?","start":750.96497,"end":758.96497,"sentiment":"neutral","sentiment_score":-0.03218451469685092}],"sentiment":"neutral","sentiment_score":0.0245836256224601,"num_words":61,"start":740.09,"end":758.96497},{"sentences":[{"text":"Do you think it'd be before that time frame?","start":758.96497,"end":761.225,"sentiment":"neutral","sentiment_score":-0.06112699914309713},{"text":"About then?","start":763.96,"end":764.52,"sentiment":"neutral","sentiment_score":-0.06716917641460896},{"text":"Yeah.","start":764.52,"end":764.84,"sentiment":"neutral","sentiment_score":-0.024462994188070297},{"text":"Perfect.","start":764.84,"end":765.34,"sentiment":"neutral","sentiment_score":0.08910788595676422},{"text":"Yeah.","start":767.96,"end":768.46,"sentiment":"neutral","sentiment_score":-0.10419678688049316}],"sentiment":"neutral","sentiment_score":-0.051716660016349385,"num_words":14,"start":758.96497,"end":768.46},{"sentences":[{"text":"That's right.","start":769.24005,"end":770.12,"sentiment":"neutral","sentiment_score":0.1172686442732811},{"text":"That's exactly right.","start":770.12,"end":771.56,"sentiment":"neutral","sentiment_score":0.28239571551481885},{"text":"Honestly, ten years doesn't feel like a long time as we get older, but I it's a lot can happen in ten years.","start":771.56,"end":776.925,"sentiment":"neutral","sentiment_score":-0.09075804512299922},{"text":"If you look back at the last ten years, you've probably had so many changes in your lifetime.","start":776.925,"end":780.545,"sentiment":"neutral","sentiment_score":-0.03656733470658461},{"text":"So perfect.","start":780.605,"end":783.90497,"sentiment":"neutral","sentiment_score":0.3087846338748932}],"sentiment":"neutral","sentiment_score":-0.021799028327222914,"num_words":48,"start":769.24005,"end":783.90497},{"sentences":[{"text":"So what I'll do is I'll make 65 the goal age there for you for us to work forward.","start":783.96497,"end":787.88495,"sentiment":"neutral","sentiment_score":0.22238135651538246},{"text":"So we have about a ten year time horizon to see what we can do.","start":787.88495,"end":790.92,"sentiment":"neutral","sentiment_score":0.1642208591103554},{"text":"Our job is to keep monitoring things and moving things as we do to as we get towards that goal, but then you don't have to retire.","start":791.16,"end":797.39996,"sentiment":"neutral","sentiment_score":0.15664402630042146},{"text":"It's just giving you the option to stop working or access your stupid.","start":797.39996,"end":800.36,"sentiment":"neutral","sentiment_score":0.04777602249613175},{"text":"We're not gonna, in any way, shape, or form, force you to do so.","start":800.36,"end":803.39996,"sentiment":"neutral","sentiment_score":-0.04010952061175236}],"sentiment":"neutral","sentiment_score":0.12474434516413814,"num_words":88,"start":783.96497,"end":803.39996},{"sentences":[{"text":"Okay.","start":803.39996,"end":803.89996,"sentiment":"neutral","sentiment_score":0.1465952694416046},{"text":"Yeah.","start":805.325,"end":805.825,"sentiment":"neutral","sentiment_score":0.03323592618107796},{"text":"Yep.","start":808.685,"end":809.185,"sentiment":"neutral","sentiment_score":0.051434289664030075},{"text":"Yeah.","start":813.645,"end":814.145,"sentiment":"neutral","sentiment_score":0.14293493330478668},{"text":"Yep.","start":817.74005,"end":818.24005,"sentiment":"neutral","sentiment_score":0.14900505542755127}],"sentiment":"neutral","sentiment_score":0.10464109480381012,"num_words":5,"start":803.39996,"end":818.24005},{"sentences":[{"text":"Yep.","start":820.86005,"end":821.36005,"sentiment":"neutral","sentiment_score":0.07332673668861389},{"text":"Yeah.","start":823.34,"end":823.84,"sentiment":"neutral","sentiment_score":0.1927805244922638},{"text":"Yeah.","start":824.46,"end":824.96,"sentiment":"neutral","sentiment_score":0.06273391097784042},{"text":"That is great in theory.","start":825.26,"end":826.54004,"sentiment":"positive","sentiment_score":0.6636439323425293},{"text":"The only downside I see to that occurring is that at the age of 65, because every, you know, couple of years in a ten year period, we do expect to see at least one or two years of negative returns.","start":826.54004,"end":836.36505,"sentiment":"negative","sentiment_score":-0.40252219394939703}],"sentiment":"neutral","sentiment_score":-0.2623744717970186,"num_words":49,"start":820.86005,"end":836.36505},{"sentences":[{"text":"And as your balance gets higher and higher, you are impacted by those a lot more.","start":836.36505,"end":840.84503,"sentiment":"negative","sentiment_score":-0.5731584448367357},{"text":"You feel them a lot more.","start":840.84503,"end":842.22504,"sentiment":"negative","sentiment_score":-0.5061424225568771},{"text":"Essentially, at the age of 65, if we are still in that high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly.","start":842.92505,"end":852.62,"sentiment":"neutral","sentiment_score":-0.07669379168323108},{"text":"I mean, even now, we are looking to reduce the risk a little bit, but you're still seeing a positive return out of your entire portfolio for the twelve months.","start":853.08,"end":860.72504,"sentiment":"neutral","sentiment_score":0.27802335694432256},{"text":"I would hate to be cementing losses at a time where your portfolio might be seeing, you know, COVID like event again or something like that because we do know those events will occur in the future.","start":861.025,"end":870.24506,"sentiment":"negative","sentiment_score":-0.416420228980683}],"sentiment":"neutral","sentiment_score":-0.17708483972256223,"num_words":124,"start":836.36505,"end":870.24506},{"sentences":[{"text":"We don't know when they're gonna occur.","start":870.30505,"end":872.005,"sentiment":"neutral","sentiment_score":-0.3225483638899667},{"text":"And the idea of reducing the risk is that we're minimizing the risk of those events having a larger effect on your portfolio.","start":872.25995,"end":878.44,"sentiment":"neutral","sentiment_score":-0.22742630913853645},{"text":"Does that make sense?","start":878.5,"end":879.56,"sentiment":"neutral","sentiment_score":0.01596828270703554},{"text":"Yeah.","start":880.01996,"end":880.51996,"sentiment":"neutral","sentiment_score":0.2717524468898773},{"text":"Beautiful.","start":880.81995,"end":881.31995,"sentiment":"positive","sentiment_score":0.5784150958061218}],"sentiment":"neutral","sentiment_score":-0.18262786066366565,"num_words":36,"start":870.30505,"end":881.31995},{"sentences":[{"text":"Beautiful.","start":881.54,"end":882.04,"sentiment":"positive","sentiment_score":0.5415120124816895},{"text":"The next one here is asking about inflation.","start":882.74,"end":884.74,"sentiment":"neutral","sentiment_score":0.08856759080663323},{"text":"It says, how much risk do you feel you're comfortable taking in order to make sure your returns are keeping up with inflation?","start":884.74,"end":890.315,"sentiment":"neutral","sentiment_score":0.02516091386180209},{"text":"Do you think you're comfortable taking on the highest level of risk that to get the best returns you possibly can?","start":890.695,"end":895.655,"sentiment":"neutral","sentiment_score":-0.022795907443477995},{"text":"You're a bit more of a gambler.","start":895.655,"end":896.875,"sentiment":"neutral","sentiment_score":-0.25378935039043427}],"sentiment":"neutral","sentiment_score":-0.007108095854831239,"num_words":60,"start":881.54,"end":896.875},{"sentences":[{"text":"Option number two says you still want a higher level of risk for good returns, but probably more calculated risk.","start":897.27,"end":903.05005,"sentiment":"neutral","sentiment_score":-0.05858209356665611},{"text":"Option number three says you wanna take on a moderate or medium amount of risk to get the best returns you can.","start":903.27,"end":908.39,"sentiment":"neutral","sentiment_score":0.016466449099508198},{"text":"All the last options says you don't wanna take on any risk to get, you know, whatever returns you're able to obtain.","start":908.39,"end":914.17505,"sentiment":"neutral","sentiment_score":-0.06796250585466623},{"text":"See?","start":916.075,"end":916.555,"sentiment":"neutral","sentiment_score":0.0284036286175251},{"text":"Beautiful.","start":916.555,"end":917.055,"sentiment":"neutral","sentiment_score":0.3102986812591553}],"sentiment":"neutral","sentiment_score":-0.029785648637423008,"num_words":66,"start":897.27,"end":917.055},{"sentences":[{"text":"Calculated.","start":919.195,"end":919.695,"sentiment":"neutral","sentiment_score":0.02274160087108612},{"text":"Perfect.","start":920.395,"end":920.895,"sentiment":"neutral","sentiment_score":0.27654606103897095},{"text":"Absolutely.","start":922.635,"end":923.135,"sentiment":"positive","sentiment_score":0.3607022166252136},{"text":"Me too.","start":923.67505,"end":924.495,"sentiment":"neutral","sentiment_score":0.12153697619214654},{"text":"The next one here is about volatility, and it says, how would you feel in six months if you saw your portfolio fall by 20% due to external market factors?","start":925.76,"end":933.94,"sentiment":"neutral","sentiment_score":-0.08529577298710743}],"sentiment":"neutral","sentiment_score":-0.04730883881981884,"num_words":35,"start":919.195,"end":933.94},{"sentences":[{"text":"Would you be one wanting to put more more money into the market as a buying opportunity?","start":934.16,"end":938.02,"sentiment":"neutral","sentiment_score":-0.12388990008655716},{"text":"Option number two, are you likely to hold and wait and call us, or are you more likely to try and cement those losses and move your money to something more secure?","start":938.465,"end":946.325,"sentiment":"neutral","sentiment_score":-0.0895647635916248},{"text":"Yep.","start":948.625,"end":949.125,"sentiment":"neutral","sentiment_score":0.05626083165407181},{"text":"Yep.","start":953.76,"end":954.16003,"sentiment":"neutral","sentiment_score":0.1378428339958191},{"text":"Beautiful.","start":954.16003,"end":954.66003,"sentiment":"positive","sentiment_score":0.4248451590538025}],"sentiment":"neutral","sentiment_score":-0.08371638291730331,"num_words":52,"start":934.16,"end":954.66003},{"sentences":[{"text":"Beautiful.","start":954.96,"end":955.46,"sentiment":"positive","sentiment_score":0.60020911693573},{"text":"Yeah.","start":956.80005,"end":957.30005,"sentiment":"neutral","sentiment_score":0.16595622897148132},{"text":"Excellent.","start":957.84,"end":958.34,"sentiment":"positive","sentiment_score":0.5718330144882202},{"text":"The next one here is asking what reasonable rate of return you'd like to achieve from your portfolio over the longer term.","start":959.12,"end":964.455,"sentiment":"neutral","sentiment_score":0.24768750979141754},{"text":"Am I right?","start":964.455,"end":964.695,"sentiment":"neutral","sentiment_score":0.21562914550304413}],"sentiment":"neutral","sentiment_score":0.2655003932969911,"num_words":28,"start":954.96,"end":964.695},{"sentences":[{"text":"You're looking for the highest return you can possibly get?","start":964.695,"end":967.275,"sentiment":"neutral","sentiment_score":0.17735362723469733},{"text":"Yep.","start":972.29504,"end":972.79504,"sentiment":"neutral","sentiment_score":0.029285959899425507},{"text":"Yep.","start":973.97504,"end":974.375,"sentiment":"neutral","sentiment_score":0.07401183992624283},{"text":"That's okay.","start":974.375,"end":975.11505,"sentiment":"neutral","sentiment_score":0.13856131583452225},{"text":"And the second last one here, it says, how would you or have you ever looked at your super and seen it fall in value?","start":975.575,"end":980.84,"sentiment":"neutral","sentiment_score":-0.078062649294734}],"sentiment":"neutral","sentiment_score":0.005189499268547082,"num_words":39,"start":964.695,"end":980.84},{"sentences":[{"text":"Because we know this will happen again in the future to you know, with external market factors and the volatility that we experience in the next ten years.","start":980.84,"end":987.82,"sentiment":"neutral","sentiment_score":-0.12304613127240113},{"text":"How might how might you feel if you saw your super fall in value?","start":987.96,"end":991.5,"sentiment":"neutral","sentiment_score":-0.10616055689752102},{"text":"Are you wanting to put more money into it?","start":991.855,"end":993.935,"sentiment":"neutral","sentiment_score":-0.10027976830800374},{"text":"Are you a bit cautious?","start":993.935,"end":995.155,"sentiment":"neutral","sentiment_score":-0.13214142322540284},{"text":"Are you concerned, or are you feeling very anxious?","start":995.295,"end":997.715,"sentiment":"neutral","sentiment_score":-0.1829184823566013}],"sentiment":"neutral","sentiment_score":-0.1252466283738613,"num_words":65,"start":980.84,"end":997.715},{"sentences":[{"text":"That's okay.","start":1002.495,"end":1003.315,"sentiment":"neutral","sentiment_score":-0.05012747552245855},{"text":"Yeah.","start":1013.45996,"end":1013.95996,"sentiment":"neutral","sentiment_score":-0.10596677660942078},{"text":"Yep.","start":1018.595,"end":1018.915,"sentiment":"neutral","sentiment_score":-0.05076272413134575},{"text":"Do you feel a bit cautious?","start":1018.915,"end":1020.195,"sentiment":"neutral","sentiment_score":-0.1336452141404152},{"text":"You probably wanna know what what's happening, why it's happening.","start":1020.195,"end":1023.095,"sentiment":"neutral","sentiment_score":-0.155234881490469}],"sentiment":"neutral","sentiment_score":-0.13056022757664323,"num_words":20,"start":1002.495,"end":1023.095},{"sentences":[{"text":"You know?","start":1023.395,"end":1024.0549,"sentiment":"neutral","sentiment_score":-0.0744682177901268},{"text":"Yeah.","start":1026.675,"end":1027.175,"sentiment":"neutral","sentiment_score":-0.022607743740081787},{"text":"Yeah.","start":1027.5549,"end":1027.955,"sentiment":"neutral","sentiment_score":-0.009725193493068218},{"text":"Absolutely.","start":1027.955,"end":1028.455,"sentiment":"neutral","sentiment_score":-0.004470787942409515},{"text":"Yeah.","start":1028.835,"end":1029.335,"sentiment":"neutral","sentiment_score":-0.025443730875849724}],"sentiment":"neutral","sentiment_score":-0.03519731527194381,"num_words":6,"start":1023.395,"end":1029.335},{"sentences":[{"text":"Yeah.","start":1033.72,"end":1034.12,"sentiment":"neutral","sentiment_score":0.019684534519910812},{"text":"Okay.","start":1034.12,"end":1034.62,"sentiment":"neutral","sentiment_score":0.22894710302352905},{"text":"Perfect.","start":1034.6799,"end":1035.1799,"sentiment":"positive","sentiment_score":0.5460637807846069},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is borrowing something you've only ever wanted to do for property?","start":1035.24,"end":1043.74,"sentiment":"neutral","sentiment_score":0.08935867550058497},{"text":"No.","start":1047.485,"end":1047.805,"sentiment":"neutral","sentiment_score":-0.14301905035972595}],"sentiment":"neutral","sentiment_score":0.0967147171497345,"num_words":40,"start":1033.72,"end":1047.805},{"sentences":[{"text":"That's okay.","start":1047.805,"end":1048.7051,"sentiment":"neutral","sentiment_score":-0.03805597312748432},{"text":"All good.","start":1049.0851,"end":1049.8251,"sentiment":"neutral","sentiment_score":0.0491936057806015},{"text":"No.","start":1054.525,"end":1055.005,"sentiment":"neutral","sentiment_score":0.0711112916469574},{"text":"Perfect.","start":1055.005,"end":1055.505,"sentiment":"positive","sentiment_score":0.3737834095954895},{"text":"It's I've got a a goal here that you were hoping to maybe in the next few years get an investment property.","start":1055.5651,"end":1060.34,"sentiment":"neutral","sentiment_score":0.30401266433975915}],"sentiment":"neutral","sentiment_score":0.25555173507226364,"num_words":28,"start":1047.805,"end":1060.34},{"sentences":[{"text":"Is that still something you'd like to do moving forward, or are you just focusing on your main primary residence?","start":1060.34,"end":1064.84,"sentiment":"neutral","sentiment_score":0.14063057936728002},{"text":"Or yep.","start":1064.98,"end":1070.12,"sentiment":"neutral","sentiment_score":0.10654571652412415},{"text":"Perfect.","start":1071.86,"end":1072.36,"sentiment":"positive","sentiment_score":0.36588913202285767},{"text":"Yep.","start":1074.8949,"end":1075.3949,"sentiment":"neutral","sentiment_score":0.25324201583862305},{"text":"Perfect.","start":1075.455,"end":1075.955,"sentiment":"positive","sentiment_score":0.48573482036590576}],"sentiment":"neutral","sentiment_score":0.16522275954484938,"num_words":25,"start":1060.34,"end":1075.955},{"sentences":[{"text":"Perfect.","start":1076.0149,"end":1076.4149,"sentiment":"positive","sentiment_score":0.5154780745506287},{"text":"And, look, that's not bad.","start":1076.4149,"end":1077.375,"sentiment":"positive","sentiment_score":0.43260380029678347},{"text":"Going into retirement use debt free definitely gives you super a bit more longevity because it allows you to draw less out, which is a good thing.","start":1077.375,"end":1084.195,"sentiment":"positive","sentiment_score":0.5396403692386769},{"text":"Yeah.","start":1095.63,"end":1096.13,"sentiment":"neutral","sentiment_score":0.013860350474715233},{"text":"No.","start":1096.19,"end":1096.59,"sentiment":"neutral","sentiment_score":-0.06196758896112442}],"sentiment":"positive","sentiment_score":0.4914479944854975,"num_words":35,"start":1076.0149,"end":1096.59},{"sentences":[{"text":"Perfect.","start":1096.59,"end":1097.09,"sentiment":"neutral","sentiment_score":-0.009988903999328612},{"text":"Yeah.","start":1100.7251,"end":1101.2251,"sentiment":"neutral","sentiment_score":0.02362958900630474},{"text":"Yep.","start":1105.765,"end":1106.265,"sentiment":"neutral","sentiment_score":0.08713086694478989},{"text":"Yep.","start":1106.3251,"end":1106.8251,"sentiment":"neutral","sentiment_score":0.1219768226146698},{"text":"Perfect.","start":1106.9651,"end":1107.4651,"sentiment":"neutral","sentiment_score":0.2535548508167267}],"sentiment":"neutral","sentiment_score":0.0952606450766325,"num_words":5,"start":1096.59,"end":1107.4651},{"sentences":[{"text":"Well, when you are ready to downsize and you put on the market, let me know because there's things we can definitely do to help you with and we can provide advice on what to do with the funds for you as well.","start":1107.8451,"end":1118.85,"sentiment":"neutral","sentiment_score":0.22893698132315346},{"text":"Okay?","start":1118.85,"end":1119.35,"sentiment":"neutral","sentiment_score":0.12380735576152802},{"text":"Beautiful.","start":1120.21,"end":1120.71,"sentiment":"positive","sentiment_score":0.5353536605834961},{"text":"Now thank you for answering those questions.","start":1121.09,"end":1122.85,"sentiment":"positive","sentiment_score":0.49644697989736286},{"text":"Now, look, Jason, you have come out as a growth investor.","start":1122.85,"end":1125.4299,"sentiment":"neutral","sentiment_score":0.18260898915204135}],"sentiment":"neutral","sentiment_score":0.2537663325903908,"num_words":63,"start":1107.8451,"end":1125.4299},{"sentences":[{"text":"So a growth investor sees about 80% of their super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities.","start":1125.49,"end":1134.395,"sentiment":"neutral","sentiment_score":0.16618746203871873},{"text":"In your high growth environment at the moment, you see 90% invested in those areas.","start":1134.775,"end":1138.9349,"sentiment":"neutral","sentiment_score":0.1759333573281765},{"text":"So this is dropping you down just by 10% there, and then we're increasing those defensive investments by about 10% so we have more cash, bonds, and fixed interest in those areas.","start":1138.9349,"end":1149.31,"sentiment":"neutral","sentiment_score":-0.10534210107289255},{"text":"With the growth investor, you're still taking on a fair amount of risk there.","start":1150.49,"end":1154.475,"sentiment":"negative","sentiment_score":-0.4128121946539198},{"text":"We do expect the likelihood of a negative return to be one in every five years.","start":1154.475,"end":1158.495,"sentiment":"negative","sentiment_score":-0.5461446680128574}],"sentiment":"neutral","sentiment_score":-0.10610444926955168,"num_words":103,"start":1125.49,"end":1158.495},{"sentences":[{"text":"And with a high growth environment, we like you to be invested for eight years prior to accessing your super.","start":1159.115,"end":1164.5549,"sentiment":"neutral","sentiment_score":0.06500419657677411},{"text":"Whereas with the growth portfolio, you can be in that up until about six years, you know, six years away from wanting to access Lupus.","start":1164.5549,"end":1172.13,"sentiment":"neutral","sentiment_score":-0.013952342420816421},{"text":"So you are just reducing your risk level a little bit.","start":1172.13,"end":1174.77,"sentiment":"neutral","sentiment_score":0.19882134415886618},{"text":"You're still getting those good returns that you're still having a fair amount invest in those growth investments there.","start":1174.77,"end":1179.67,"sentiment":"positive","sentiment_score":0.4765830667395341},{"text":"The expected returns out of a high growth portfolio is averaging between sort of eight to 10, whereas in a growth portfolio, we'd expect the average returns to be around about seven to 9% there.","start":1179.97,"end":1190.725,"sentiment":"neutral","sentiment_score":0.14768623017839022}],"sentiment":"neutral","sentiment_score":0.15784005891870367,"num_words":110,"start":1159.115,"end":1190.725},{"sentences":[{"text":"So we're sort of aiming for that sort of portfolio.","start":1190.785,"end":1193.205,"sentiment":"neutral","sentiment_score":0.13160881400108337},{"text":"Are you comfortable just by stepping down a little bit, maybe moving back into that growth environment a little bit?","start":1193.825,"end":1199.205,"sentiment":"neutral","sentiment_score":-0.05914693959057331},{"text":"Not necessarily.","start":1210.22,"end":1211.12,"sentiment":"neutral","sentiment_score":-0.13332317024469376},{"text":"The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns.","start":1211.4199,"end":1217.465,"sentiment":"neutral","sentiment_score":0.012024940922856331},{"text":"We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things.","start":1217.765,"end":1224.1649,"sentiment":"neutral","sentiment_score":0.0433175191283226}],"sentiment":"neutral","sentiment_score":0.01760240786789376,"num_words":81,"start":1190.785,"end":1224.1649},{"sentences":[{"text":"However, our high growth environment or our high growth portfolio has, at times, performed worse than our growth portfolio and vice versa.","start":1224.1649,"end":1231.64,"sentiment":"neutral","sentiment_score":-0.30388463559475815},{"text":"So it just comes down to so many different factors when we are looking at it.","start":1231.64,"end":1235.56,"sentiment":"neutral","sentiment_score":-0.047597807832062244},{"text":"It's about when contributions are going in.","start":1235.56,"end":1237.56,"sentiment":"neutral","sentiment_score":-0.014836868005139487},{"text":"It's the different asset allocation, So I mean, different market performances like inflation, interest rates, economic growth, geopolitical factors.","start":1237.56,"end":1245.515,"sentiment":"neutral","sentiment_score":-0.013255712233091655},{"text":"Donald Trump tweeting on a regular basis.","start":1246.295,"end":1248.555,"sentiment":"neutral","sentiment_score":-0.001418569258281163}],"sentiment":"neutral","sentiment_score":-0.11003765495310366,"num_words":71,"start":1224.1649,"end":1248.555},{"sentences":[{"text":"Correct.","start":1248.695,"end":1249.095,"sentiment":"neutral","sentiment_score":0.005113976541906595},{"text":"So there are a lot of different things that go into the play there.","start":1249.095,"end":1252.68,"sentiment":"neutral","sentiment_score":-0.028855865954288414},{"text":"If you wanted to, what I could do is because you do have that ten years before you're wanting to access Super at this point and maybe start reducing back, I can keep you in the high growth environment for a little bit longer.","start":1252.8401,"end":1264.14,"sentiment":"neutral","sentiment_score":0.09956411183388396},{"text":"We could do a catch up in twelve months or even in six months to see where things are going, and then just maybe evaluate it then again.","start":1264.2001,"end":1272.595,"sentiment":"neutral","sentiment_score":0.14802274240979127},{"text":"I can keep you at 90 sort of 10 split just for a little bit longer if you'd like to.","start":1272.655,"end":1277.2151,"sentiment":"neutral","sentiment_score":0.30694550424814226}],"sentiment":"neutral","sentiment_score":0.13332242660102583,"num_words":107,"start":1248.695,"end":1277.2151},{"sentences":[{"text":"You do have that ten year horizon, and we can certainly look if that helps for the year.","start":1277.2151,"end":1282.355,"sentiment":"positive","sentiment_score":0.4775712639093399},{"text":"How do you feel?","start":1284.0399,"end":1285.1,"sentiment":"neutral","sentiment_score":0.20049993693828583},{"text":"We'll take it down a little bit?","start":1288.6799,"end":1290.0399,"sentiment":"neutral","sentiment_score":-0.022891218108790263},{"text":"Yeah.","start":1290.0399,"end":1290.36,"sentiment":"neutral","sentiment_score":0.05117175728082657},{"text":"Perfect.","start":1290.36,"end":1290.86,"sentiment":"positive","sentiment_score":0.5487018823623657}],"sentiment":"neutral","sentiment_score":0.31735218100009427,"num_words":31,"start":1277.2151,"end":1290.86},{"sentences":[{"text":"Not a problem at all.","start":1291.32,"end":1292.7799,"sentiment":"positive","sentiment_score":0.4116722345352173},{"text":"So I'll have a look at the growth.","start":1292.84,"end":1294.46,"sentiment":"neutral","sentiment_score":0.18803287111222744},{"text":"Absolutely.","start":1297.995,"end":1298.3949,"sentiment":"positive","sentiment_score":0.4219926595687866},{"text":"Most definitely.","start":1298.3949,"end":1299.2949,"sentiment":"positive","sentiment_score":0.35340070724487305},{"text":"So what I'll do is I'll go back.","start":1299.595,"end":1301.115,"sentiment":"neutral","sentiment_score":0.15523672755807638}],"sentiment":"neutral","sentiment_score":0.24722133483737707,"num_words":24,"start":1291.32,"end":1301.115},{"sentences":[{"text":"I'll do a bit of research with my team there.","start":1301.115,"end":1302.875,"sentiment":"neutral","sentiment_score":0.1305396892130375},{"text":"It takes a couple of weeks to do the research properly for you.","start":1302.875,"end":1305.5149,"sentiment":"neutral","sentiment_score":0.12182699946256784},{"text":"We'll update the advice document to reflect the change in the portfolio, what we're gonna do.","start":1305.5149,"end":1310.1,"sentiment":"neutral","sentiment_score":0.12821646872907877},{"text":"I will definitely look at that estimate product for you to see if it's gonna be beneficial for you working towards your goals there.","start":1310.1,"end":1316.6,"sentiment":"neutral","sentiment_score":0.3082861950000127},{"text":"We'll bring you back down to the growth portfolio.","start":1316.8201,"end":1318.92,"sentiment":"neutral","sentiment_score":0.12909235142999226}],"sentiment":"neutral","sentiment_score":0.18751821149554518,"num_words":72,"start":1301.115,"end":1318.92},{"sentences":[{"text":"As part of the advice document, you'll be you're at mhmm.","start":1319.54,"end":1328.355,"sentiment":"neutral","sentiment_score":-0.0035491219975731583},{"text":"Yeah.","start":1338.5,"end":1338.98,"sentiment":"neutral","sentiment_score":0.06754638999700546},{"text":"Yeah.","start":1338.98,"end":1339.22,"sentiment":"neutral","sentiment_score":0.12044326961040495},{"text":"Absolutely.","start":1339.22,"end":1339.72,"sentiment":"neutral","sentiment_score":0.22823424637317655},{"text":"Yeah.","start":1346.755,"end":1347.255,"sentiment":"neutral","sentiment_score":0.03160631284117699}],"sentiment":"neutral","sentiment_score":0.02725265845656395,"num_words":15,"start":1319.54,"end":1347.255},{"sentences":[{"text":"Yes.","start":1348.355,"end":1348.855,"sentiment":"neutral","sentiment_score":0.0036268874537199736},{"text":"Yep.","start":1351.955,"end":1352.455,"sentiment":"neutral","sentiment_score":0.11752615869045258},{"text":"Absolutely.","start":1356.675,"end":1357.175,"sentiment":"positive","sentiment_score":0.4722134172916413},{"text":"I can look at both those options for you and let you know what we recommend as part of the advice.","start":1357.395,"end":1361.92,"sentiment":"neutral","sentiment_score":0.26656252642472583},{"text":"It'll have the advantages, disadvantages, and the risks involved so you get to take it all on board and then make a decision as to whether you wanna take the advice or not.","start":1361.92,"end":1370.0,"sentiment":"neutral","sentiment_score":0.14613732729445805}],"sentiment":"neutral","sentiment_score":0.1932230055977574,"num_words":57,"start":1348.355,"end":1370.0},{"sentences":[{"text":"Okay.","start":1370.0,"end":1370.5,"sentiment":"neutral","sentiment_score":0.11820820719003676},{"text":"Yeah.","start":1371.345,"end":1371.845,"sentiment":"positive","sentiment_score":0.39487746357917786},{"text":"Beautiful.","start":1371.905,"end":1372.405,"sentiment":"positive","sentiment_score":0.7143114805221558},{"text":"That's okay.","start":1372.465,"end":1373.105,"sentiment":"positive","sentiment_score":0.4231545627117157},{"text":"Now as part of that, I know you did mention that you did lose a fair a fair value of super about a 100 or thousand there.","start":1373.105,"end":1378.785,"sentiment":"neutral","sentiment_score":-0.03010411139715601}],"sentiment":"neutral","sentiment_score":0.03940297715598717,"num_words":32,"start":1370.0,"end":1378.785},{"sentences":[{"text":"Are you open to maybe making additional contributions in to kinda help provide a bit more of a benefit, or you're just wanting to see what your portfolio can do with your employer contributions?","start":1378.785,"end":1388.5801,"sentiment":"neutral","sentiment_score":0.04172839470865095},{"text":"Okay.","start":1396.72,"end":1397.22,"sentiment":"neutral","sentiment_score":0.010116544552147388},{"text":"Okay.","start":1403.375,"end":1403.775,"sentiment":"neutral","sentiment_score":0.0017368365079164505},{"text":"Okay.","start":1403.775,"end":1404.275,"sentiment":"neutral","sentiment_score":0.004327181726694107},{"text":"Yep.","start":1405.535,"end":1406.035,"sentiment":"neutral","sentiment_score":0.001588293700478971}],"sentiment":"neutral","sentiment_score":0.03780353359424656,"num_words":38,"start":1378.785,"end":1406.035},{"sentences":[{"text":"Yeah.","start":1411.15,"end":1411.4701,"sentiment":"neutral","sentiment_score":-0.006805948913097382},{"text":"That's okay.","start":1411.4701,"end":1412.1901,"sentiment":"neutral","sentiment_score":0.03990297298878431},{"text":"So once the loan's sort of paid down or paid off completely, then you're happy to sort of maybe whack in some more contributions or in around the next five odd years.","start":1412.1901,"end":1419.65,"sentiment":"neutral","sentiment_score":0.01082548190606758},{"text":"Yep.","start":1420.75,"end":1421.2301,"sentiment":"neutral","sentiment_score":0.09274228662252426},{"text":"Perfect.","start":1421.2301,"end":1421.7301,"sentiment":"positive","sentiment_score":0.40761154890060425}],"sentiment":"neutral","sentiment_score":0.024858628475182765,"num_words":37,"start":1411.15,"end":1421.7301},{"sentences":[{"text":"Not a problem at all.","start":1422.005,"end":1423.045,"sentiment":"neutral","sentiment_score":0.2787701487541199},{"text":"I can break that out for you.","start":1423.045,"end":1424.3251,"sentiment":"neutral","sentiment_score":0.22565911284514836},{"text":"It's not a problem at all.","start":1424.3251,"end":1426.005,"sentiment":"neutral","sentiment_score":0.2706056982278824},{"text":"I will go back.","start":1426.005,"end":1426.805,"sentiment":"neutral","sentiment_score":0.16798890382051468},{"text":"I know Hub twenty four you've just moved in.","start":1426.805,"end":1428.4851,"sentiment":"neutral","sentiment_score":0.19927951362397936}],"sentiment":"neutral","sentiment_score":0.22782483745005824,"num_words":31,"start":1422.005,"end":1428.4851},{"sentences":[{"text":"It is a great platform.","start":1428.4851,"end":1429.4451,"sentiment":"positive","sentiment_score":0.5948680996894836},{"text":"There's nothing wrong with it.","start":1429.4451,"end":1430.405,"sentiment":"neutral","sentiment_score":0.32556228041648866},{"text":"But as part of my process, I do reevaluate the platform as well.","start":1430.405,"end":1433.525,"sentiment":"neutral","sentiment_score":0.17087463232187125},{"text":"It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as well.","start":1433.525,"end":1440.54,"sentiment":"neutral","sentiment_score":0.1420366828960757},{"text":"Okay?","start":1440.54,"end":1441.04,"sentiment":"neutral","sentiment_score":0.03518196940422058}],"sentiment":"neutral","sentiment_score":0.204760750179941,"num_words":55,"start":1428.4851,"end":1441.04},{"sentences":[{"text":"With the sorry.","start":1442.78,"end":1443.98,"sentiment":"neutral","sentiment_score":-0.063695278018713},{"text":"The insurances are also a really important part to sort of factor in as well.","start":1443.98,"end":1447.26,"sentiment":"neutral","sentiment_score":0.06334326018889745},{"text":"So at the moment, having a look at things, you've got your life cover only.","start":1447.26,"end":1451.84,"sentiment":"neutral","sentiment_score":0.040134117876489954},{"text":"It does certainly mean that in the event of passing, your life cover is paid out, but then also your super benefit is paid out to your beneficiaries there.","start":1452.375,"end":1459.515,"sentiment":"neutral","sentiment_score":0.08658784204002085},{"text":"I do have your beneficiaries noted here as so sorry.","start":1459.895,"end":1463.415,"sentiment":"neutral","sentiment_score":0.03366582468152046}],"sentiment":"neutral","sentiment_score":0.058455284762506686,"num_words":72,"start":1442.78,"end":1463.415},{"sentences":[{"text":"I'm looking here to have this look.","start":1463.415,"end":1465.1951,"sentiment":"neutral","sentiment_score":0.029134521882432245},{"text":"Braden and Jeff for 50% each.","start":1465.58,"end":1467.42,"sentiment":"neutral","sentiment_score":0.07901394367218018},{"text":"You're still comfortable with that?","start":1467.42,"end":1468.96,"sentiment":"neutral","sentiment_score":0.0762560322880745},{"text":"Yep.","start":1469.98,"end":1470.22,"sentiment":"neutral","sentiment_score":0.23250526189804077},{"text":"Beautiful.","start":1470.22,"end":1470.72,"sentiment":"positive","sentiment_score":0.600031852722168}],"sentiment":"neutral","sentiment_score":0.0945921295635344,"num_words":20,"start":1463.415,"end":1470.72},{"sentences":[{"text":"And excellent.","start":1470.86,"end":1472.3,"sentiment":"positive","sentiment_score":0.6848147809505463},{"text":"And with your Zurich Life cover there, you've got a sum insured of 525,000.","start":1472.3,"end":1476.78,"sentiment":"neutral","sentiment_score":0.2831772587129048},{"text":"You're comfortable with the sum insured didn't wanna look at altering that at all at the moment?","start":1476.78,"end":1480.88,"sentiment":"neutral","sentiment_score":0.10284306284259348},{"text":"That's okay.","start":1483.0651,"end":1483.885,"sentiment":"neutral","sentiment_score":0.034451039507985115},{"text":"Yep.","start":1490.025,"end":1490.525,"sentiment":"neutral","sentiment_score":0.09572374820709229}],"sentiment":"neutral","sentiment_score":0.20130747442858088,"num_words":36,"start":1470.86,"end":1490.525},{"sentences":[{"text":"Okay.","start":1495.0801,"end":1495.5801,"sentiment":"neutral","sentiment_score":0.02036948874592781},{"text":"Yep.","start":1496.36,"end":1496.68,"sentiment":"neutral","sentiment_score":0.06880795955657959},{"text":"And so no.","start":1496.68,"end":1497.7201,"sentiment":"neutral","sentiment_score":0.021790313223997753},{"text":"That's okay.","start":1497.7201,"end":1498.4401,"sentiment":"neutral","sentiment_score":0.06335392221808434},{"text":"So income protection and disability through your employer.","start":1498.4401,"end":1501.0801,"sentiment":"neutral","sentiment_score":0.10873296670615673}],"sentiment":"neutral","sentiment_score":0.07674133107066154,"num_words":15,"start":1495.0801,"end":1501.0801},{"sentences":[{"text":"So you're not worried about having to get anything additional income disability wise?","start":1501.0801,"end":1506.2201,"sentiment":"neutral","sentiment_score":0.0253631856579047},{"text":"No.","start":1517.385,"end":1517.625,"sentiment":"neutral","sentiment_score":-0.045492447912693024},{"text":"Yeah.","start":1517.625,"end":1518.105,"sentiment":"neutral","sentiment_score":-0.01627064310014248},{"text":"No.","start":1518.105,"end":1518.4249,"sentiment":"neutral","sentiment_score":-0.06334799528121948},{"text":"That's understandable.","start":1518.4249,"end":1519.325,"sentiment":"neutral","sentiment_score":-0.03575388342142105}],"sentiment":"neutral","sentiment_score":0.007394586689770222,"num_words":18,"start":1501.0801,"end":1519.325},{"sentences":[{"text":"That's not a problem at all.","start":1519.5449,"end":1520.91,"sentiment":"neutral","sentiment_score":0.10709644109010696},{"text":"Is it it's TPD as well as income protection.","start":1521.39,"end":1523.9501,"sentiment":"neutral","sentiment_score":0.05941345045963923},{"text":"Is that right?","start":1523.9501,"end":1524.51,"sentiment":"neutral","sentiment_score":0.09694961706797282},{"text":"That it pays out?","start":1524.51,"end":1525.65,"sentiment":"neutral","sentiment_score":0.08992747031152248},{"text":"Yeah.","start":1526.99,"end":1527.39,"sentiment":"neutral","sentiment_score":0.07410597801208496}],"sentiment":"neutral","sentiment_score":0.08269410483215166,"num_words":23,"start":1519.5449,"end":1527.39},{"sentences":[{"text":"Okay.","start":1527.39,"end":1527.79,"sentiment":"neutral","sentiment_score":0.06299649924039841},{"text":"Has anyone here asked you to provide, like, any of the information on your TPD or income protection policy with your employer in the past?","start":1527.79,"end":1535.01,"sentiment":"neutral","sentiment_score":0.04550072304904461},{"text":"Yeah.","start":1541.6449,"end":1541.965,"sentiment":"neutral","sentiment_score":0.08253223448991776},{"text":"Of course.","start":1541.965,"end":1542.625,"sentiment":"neutral","sentiment_score":0.030854095704853535},{"text":"No.","start":1553.1,"end":1553.26,"sentiment":"neutral","sentiment_score":-0.18555867671966553}],"sentiment":"neutral","sentiment_score":0.03863987748821576,"num_words":30,"start":1527.39,"end":1553.26},{"sentences":[{"text":"That's okay.","start":1553.26,"end":1553.82,"sentiment":"neutral","sentiment_score":-0.004399117082357407},{"text":"Is there anything particular they need from us?","start":1553.82,"end":1556.14,"sentiment":"neutral","sentiment_score":0.11467887833714485},{"text":"Because I'm more than happy to go back to our team and, you know, we can get, like, a letter of authority drawn up and have it all signed and sent through to them.","start":1556.14,"end":1563.005,"sentiment":"positive","sentiment_score":0.4413725659251213},{"text":"Is there anything particular they're requesting to get the information?","start":1563.005,"end":1565.905,"sentiment":"neutral","sentiment_score":0.08529652282595634},{"text":"Right.","start":1575.34,"end":1575.84,"sentiment":"neutral","sentiment_score":-0.08906416594982147}],"sentiment":"neutral","sentiment_score":0.303258201750842,"num_words":55,"start":1553.26,"end":1575.84},{"sentences":[{"text":"Yeah.","start":1577.26,"end":1577.76,"sentiment":"neutral","sentiment_score":-0.0439651720225811},{"text":"No.","start":1580.94,"end":1581.1799,"sentiment":"neutral","sentiment_score":-0.10012057423591614},{"text":"That's okay.","start":1581.1799,"end":1581.8999,"sentiment":"neutral","sentiment_score":0.014526030048727986},{"text":"What I can do is I can also have a bit of a look around to see if do you guys have, like, an enterprise bargaining agreement or anything like that that you sign on a regular basis that might have that information in it?","start":1581.8999,"end":1591.635,"sentiment":"neutral","sentiment_score":0.062031299413906206},{"text":"Yep.","start":1597.455,"end":1597.955,"sentiment":"neutral","sentiment_score":-0.026019392535090446}],"sentiment":"neutral","sentiment_score":0.05300710789859295,"num_words":50,"start":1577.26,"end":1597.955},{"sentences":[{"text":"Yeah.","start":1598.4149,"end":1598.9149,"sentiment":"neutral","sentiment_score":-0.03996560722589493},{"text":"Yeah.","start":1606.27,"end":1606.77,"sentiment":"neutral","sentiment_score":-0.020997347310185432},{"text":"Yep.","start":1609.63,"end":1610.13,"sentiment":"neutral","sentiment_score":0.015712115913629532},{"text":"That's okay.","start":1611.71,"end":1612.4299,"sentiment":"neutral","sentiment_score":0.05408063717186451},{"text":"Leave it with me.","start":1612.4299,"end":1613.57,"sentiment":"neutral","sentiment_score":0.011177423410117626}],"sentiment":"neutral","sentiment_score":0.011957792151305411,"num_words":9,"start":1598.4149,"end":1613.57},{"sentences":[{"text":"Yep.","start":1613.8451,"end":1614.0851,"sentiment":"neutral","sentiment_score":0.17106632888317108},{"text":"Perfect.","start":1614.0851,"end":1614.5851,"sentiment":"positive","sentiment_score":0.4359364211559296},{"text":"I'll tell you what.","start":1614.645,"end":1615.125,"sentiment":"neutral","sentiment_score":0.28194017335772514},{"text":"Leave it with me.","start":1615.125,"end":1615.8451,"sentiment":"neutral","sentiment_score":0.15541606582701206},{"text":"I will do a bit of researching around.","start":1615.8451,"end":1617.525,"sentiment":"neutral","sentiment_score":0.2533118035644293}],"sentiment":"neutral","sentiment_score":0.24349567418297133,"num_words":18,"start":1613.8451,"end":1617.525},{"sentences":[{"text":"I'm pretty good with that.","start":1617.525,"end":1618.3251,"sentiment":"positive","sentiment_score":0.46366974115371706},{"text":"If there is something to find, we'll be able to find it for you and see what we can do.","start":1618.3251,"end":1622.005,"sentiment":"neutral","sentiment_score":0.2493002898991108},{"text":"If we can't, that's absolutely okay.","start":1622.005,"end":1623.765,"sentiment":"neutral","sentiment_score":-0.05615244619548321},{"text":"We just have to know.","start":1623.765,"end":1624.5651,"sentiment":"neutral","sentiment_score":-0.049131983518600465},{"text":"We don't we're not able to obtain the information.","start":1624.5651,"end":1626.5851,"sentiment":"neutral","sentiment_score":-0.2041685332854589}],"sentiment":"neutral","sentiment_score":0.10853918020923932,"num_words":45,"start":1617.525,"end":1626.5851},{"sentences":[{"text":"But leave it with me, and I'll go and do whatever I can.","start":1626.645,"end":1629.18,"sentiment":"neutral","sentiment_score":0.0458603802208717},{"text":"As I said, you pay for our services, so I'll do that research for you on your behalf.","start":1629.18,"end":1633.1,"sentiment":"neutral","sentiment_score":0.020291524473577738},{"text":"Okay?","start":1633.1,"end":1633.6,"sentiment":"neutral","sentiment_score":0.01268770731985569},{"text":"Yeah.","start":1633.98,"end":1634.48,"sentiment":"neutral","sentiment_score":0.026851274073123932},{"text":"Yep.","start":1635.5,"end":1636.0,"sentiment":"neutral","sentiment_score":0.0384979210793972}],"sentiment":"neutral","sentiment_score":0.03057262605494436,"num_words":34,"start":1626.645,"end":1636.0},{"sentences":[{"text":"Okay.","start":1639.675,"end":1640.155,"sentiment":"neutral","sentiment_score":0.09795288741588593},{"text":"Yeah.","start":1640.155,"end":1640.555,"sentiment":"neutral","sentiment_score":0.2532580494880676},{"text":"Perfect.","start":1640.555,"end":1641.035,"sentiment":"positive","sentiment_score":0.6032379865646362},{"text":"I'll even get a head of advice to help me draw up something on a letterhead for you so it can be sent through to them via email.","start":1641.035,"end":1647.675,"sentiment":"neutral","sentiment_score":0.3065148267362799},{"text":"Makes it a little bit more official for you.","start":1647.675,"end":1649.5951,"sentiment":"neutral","sentiment_score":0.21723104185528225}],"sentiment":"neutral","sentiment_score":0.2872985862195492,"num_words":40,"start":1639.675,"end":1649.5951},{"sentences":[{"text":"Okay?","start":1649.5951,"end":1650.0951,"sentiment":"neutral","sentiment_score":0.13161611557006836},{"text":"Yep.","start":1650.7151,"end":1651.2151,"sentiment":"neutral","sentiment_score":0.2663026452064514},{"text":"That's not a problem at all.","start":1651.58,"end":1652.86,"sentiment":"positive","sentiment_score":0.42481639484564465},{"text":"Thank you so much for that.","start":1652.86,"end":1654.4,"sentiment":"positive","sentiment_score":0.7155327300230662},{"text":"Now the only other type of kinda cover that you would normally wanna be looking at would be something like trauma, which tends to pay out a lump sum benefit, tax free benefit too in the event of a major diagnosis, tends to be things like cancer, Parkinson's, neurological conditions are a big one as well.","start":1654.46,"end":1670.725,"sentiment":"neutral","sentiment_score":0.007591575300986213}],"sentiment":"neutral","sentiment_score":0.10950202466920018,"num_words":70,"start":1649.5951,"end":1670.725},{"sentences":[{"text":"Trauma has to be paid out of your back pocket.","start":1671.505,"end":1673.5851,"sentiment":"neutral","sentiment_score":-0.046637854725122455},{"text":"We do have to just sort of clarify with you.","start":1673.5851,"end":1675.5851,"sentiment":"neutral","sentiment_score":-0.02098240368068218},{"text":"Did you wanna look at any kind of trauma cover, or you're happy with the life cover and your employer policy paid?","start":1675.5851,"end":1681.42,"sentiment":"neutral","sentiment_score":-0.009341893251985312},{"text":"Have you yep.","start":1683.3201,"end":1684.38,"sentiment":"neutral","sentiment_score":-0.03298127961655458},{"text":"That's okay.","start":1685.16,"end":1685.8,"sentiment":"neutral","sentiment_score":0.007829925743862987}],"sentiment":"neutral","sentiment_score":-0.020532089850290657,"num_words":47,"start":1671.505,"end":1685.8},{"sentences":[{"text":"If you ever wanted to talk about any of these yeah.","start":1685.8,"end":1694.215,"sentiment":"neutral","sentiment_score":-0.08368638090111992},{"text":"No.","start":1694.215,"end":1694.615,"sentiment":"neutral","sentiment_score":-0.11702334880828856},{"text":"That's okay.","start":1694.615,"end":1695.175,"sentiment":"neutral","sentiment_score":-0.08269429206848145},{"text":"Sorry.","start":1695.175,"end":1695.415,"sentiment":"neutral","sentiment_score":-0.09755075722932816},{"text":"You said you're trying to increase the policy.","start":1695.415,"end":1697.355,"sentiment":"neutral","sentiment_score":-0.07628575526177883}],"sentiment":"neutral","sentiment_score":-0.0830782140078752,"num_words":23,"start":1685.8,"end":1697.355},{"sentences":[{"text":"Is that the one with your employer?","start":1697.415,"end":1698.855,"sentiment":"neutral","sentiment_score":-0.0556651981813567},{"text":"Or of course.","start":1698.855,"end":1703.99,"sentiment":"neutral","sentiment_score":-0.05041632490853468},{"text":"Yes.","start":1703.99,"end":1704.31,"sentiment":"neutral","sentiment_score":-0.01378493569791317},{"text":"So sorry.","start":1704.31,"end":1705.13,"sentiment":"neutral","sentiment_score":-0.08456915989518166},{"text":"That no.","start":1705.43,"end":1708.17,"sentiment":"neutral","sentiment_score":-0.09553685039281845}],"sentiment":"neutral","sentiment_score":-0.060993487884600954,"num_words":15,"start":1697.415,"end":1708.17},{"sentences":[{"text":"That's okay.","start":1708.31,"end":1709.2101,"sentiment":"neutral","sentiment_score":-0.02155788242816925},{"text":"That's absolutely fine.","start":1709.27,"end":1710.31,"sentiment":"neutral","sentiment_score":0.04499508813023567},{"text":"We just have to go through all of those to make sure that you understand what you're allowed to have and give you the option to do so.","start":1710.31,"end":1716.135,"sentiment":"neutral","sentiment_score":-0.06400660052895546},{"text":"It's just always really important to clarify those options.","start":1716.535,"end":1719.255,"sentiment":"neutral","sentiment_score":0.05976833444502619},{"text":"If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you.","start":1719.255,"end":1728.615,"sentiment":"neutral","sentiment_score":0.11640480059114369}],"sentiment":"neutral","sentiment_score":0.04603966186906016,"num_words":86,"start":1708.31,"end":1728.615},{"sentences":[{"text":"Okay?","start":1728.615,"end":1729.115,"sentiment":"neutral","sentiment_score":0.11869662255048752},{"text":"Perfect.","start":1730.05,"end":1730.55,"sentiment":"positive","sentiment_score":0.7926784157752991},{"text":"Lovely.","start":1730.77,"end":1731.25,"sentiment":"positive","sentiment_score":0.7514280676841736},{"text":"So just to kinda recap there, I'm gonna go back and review the soup of the investment side of things, what the capital gains consequences might be, and also the cost of the different options there.","start":1731.25,"end":1739.65,"sentiment":"neutral","sentiment_score":0.13971397073732483},{"text":"Look at the benefit working from now to the age of 65 to see where we can go with it, make sure it's providing you the options.","start":1739.65,"end":1745.9349,"sentiment":"neutral","sentiment_score":0.1539696670240826}],"sentiment":"neutral","sentiment_score":0.16438919791218007,"num_words":66,"start":1728.615,"end":1745.9349},{"sentences":[{"text":"We're not looking at any additional contributions as of yet.","start":1746.395,"end":1749.4349,"sentiment":"neutral","sentiment_score":-0.07201162292622029},{"text":"That's something to put down the track for the next sort of five years or so, and keeping the the level of cover you have at the moment, and we'll see what we can find out about your your disability cover with your employer.","start":1749.4349,"end":1760.97,"sentiment":"neutral","sentiment_score":0.05000390899790959},{"text":"Does that sound right?","start":1760.97,"end":1761.93,"sentiment":"neutral","sentiment_score":0.0320125138387084},{"text":"Have I missed anything at all, Jason?","start":1761.93,"end":1763.87,"sentiment":"neutral","sentiment_score":-0.04642115932490144},{"text":"No.","start":1765.45,"end":1765.95,"sentiment":"neutral","sentiment_score":0.0903499200940132}],"sentiment":"neutral","sentiment_score":0.020810721618490235,"num_words":66,"start":1746.395,"end":1765.95},{"sentences":[{"text":"Perfect.","start":1766.01,"end":1766.51,"sentiment":"positive","sentiment_score":0.381791889667511},{"text":"And you're happy with your beneficiary nominations there being your two kids.","start":1766.57,"end":1770.135,"sentiment":"positive","sentiment_score":0.4826291302839915},{"text":"I can see they're binding, non lapsing as well, which is fantastic.","start":1770.135,"end":1773.1951,"sentiment":"positive","sentiment_score":0.4788432369629542},{"text":"One of the big things with the binding, non lapsing nomination is that it binds the trustee to follow the direction that you've made and non lapsing.","start":1773.335,"end":1779.975,"sentiment":"neutral","sentiment_score":0.32128285423473074},{"text":"So you don't have to fill out those beneficiary forms on a regular basis, which is a benefit for you as well.","start":1779.975,"end":1784.855,"sentiment":"neutral","sentiment_score":0.32000921124761755}],"sentiment":"positive","sentiment_score":0.3734364866002186,"num_words":74,"start":1766.01,"end":1784.855},{"sentences":[{"text":"Okay?","start":1784.855,"end":1785.355,"sentiment":"neutral","sentiment_score":0.0655498206615448},{"text":"Absolutely.","start":1789.38,"end":1789.88,"sentiment":"neutral","sentiment_score":0.04714924097061157},{"text":"Yes.","start":1791.4601,"end":1791.9601,"sentiment":"neutral","sentiment_score":-0.016396543011069298},{"text":"Yep.","start":1794.18,"end":1794.68,"sentiment":"neutral","sentiment_score":0.006541803479194641},{"text":"Okay.","start":1796.66,"end":1796.98,"sentiment":"neutral","sentiment_score":0.0851421058177948}],"sentiment":"neutral","sentiment_score":0.0375972855836153,"num_words":5,"start":1784.855,"end":1796.98},{"sentences":[{"text":"Perfect.","start":1796.98,"end":1797.48,"sentiment":"neutral","sentiment_score":0.17110145092010498},{"text":"I can see here that Michelle did speak to you about that.","start":1797.54,"end":1799.9651,"sentiment":"neutral","sentiment_score":0.057718202782173954},{"text":"Did she send you the detail of our solicitor and the information pack there at all, or is that something you're doing through your solicitor you know?","start":1799.9651,"end":1806.925,"sentiment":"neutral","sentiment_score":0.016974547532973467},{"text":"Or okay.","start":1806.925,"end":1810.625,"sentiment":"neutral","sentiment_score":-0.022694877348840237},{"text":"Yep.","start":1813.98,"end":1814.48,"sentiment":"neutral","sentiment_score":-0.009566406719386578}],"sentiment":"neutral","sentiment_score":0.029466895494869975,"num_words":43,"start":1796.98,"end":1814.48},{"sentences":[{"text":"That's okay.","start":1816.22,"end":1817.2,"sentiment":"neutral","sentiment_score":0.039967942982912064},{"text":"Yeah.","start":1822.22,"end":1822.72,"sentiment":"neutral","sentiment_score":0.037166282534599304},{"text":"Yeah.","start":1824.5399,"end":1825.0399,"sentiment":"neutral","sentiment_score":0.071104034781456},{"text":"Absolutely.","start":1827.0751,"end":1827.5751,"sentiment":"neutral","sentiment_score":0.2074699699878693},{"text":"I'll follow-up on the team and make sure the email comes out to you this afternoon.","start":1827.795,"end":1830.915,"sentiment":"neutral","sentiment_score":0.13067438825964928}],"sentiment":"neutral","sentiment_score":0.1184031612106732,"num_words":21,"start":1816.22,"end":1830.915},{"sentences":[{"text":"I'm so sorry that hasn't been sent to you.","start":1830.915,"end":1833.0751,"sentiment":"neutral","sentiment_score":-0.07797425530023044},{"text":"Okay.","start":1833.0751,"end":1833.5751,"sentiment":"neutral","sentiment_score":-0.001558363437652588},{"text":"Perfect.","start":1834.675,"end":1835.175,"sentiment":"positive","sentiment_score":0.39915284514427185},{"text":"All good.","start":1835.475,"end":1836.295,"sentiment":"neutral","sentiment_score":0.2875448316335678},{"text":"No.","start":1839.92,"end":1840.3201,"sentiment":"neutral","sentiment_score":-0.0010628588497638702}],"sentiment":"neutral","sentiment_score":0.019275213458708355,"num_words":14,"start":1830.915,"end":1840.3201},{"sentences":[{"text":"No.","start":1840.3201,"end":1840.56,"sentiment":"neutral","sentiment_score":0.027993984520435333},{"text":"Honestly, it is all good.","start":1840.56,"end":1842.24,"sentiment":"neutral","sentiment_score":0.2273152709007263},{"text":"I will follow that one up for you.","start":1842.24,"end":1843.68,"sentiment":"neutral","sentiment_score":0.2510883118957281},{"text":"Really appreciate that Google review as well.","start":1843.68,"end":1845.4401,"sentiment":"positive","sentiment_score":0.44908542718206135},{"text":"Michelle is beautiful to speak to.","start":1845.4401,"end":1847.3,"sentiment":"positive","sentiment_score":0.6809978783130646}],"sentiment":"positive","sentiment_score":0.3852911886793596,"num_words":27,"start":1840.3201,"end":1847.3},{"sentences":[{"text":"I love I love working with her.","start":1847.76,"end":1849.4401,"sentiment":"positive","sentiment_score":0.8058215890611921},{"text":"She's an absolute gem.","start":1849.4401,"end":1850.56,"sentiment":"positive","sentiment_score":0.834107980132103},{"text":"She's like everyone's mom.","start":1850.56,"end":1851.76,"sentiment":"positive","sentiment_score":0.7093646824359894},{"text":"It's great.","start":1851.76,"end":1852.42,"sentiment":"positive","sentiment_score":0.6606399118900299},{"text":"No.","start":1857.8451,"end":1858.3451,"sentiment":"neutral","sentiment_score":-0.08354000747203827}],"sentiment":"positive","sentiment_score":0.7251323105560409,"num_words":18,"start":1847.76,"end":1858.3451},{"sentences":[{"text":"Absolutely.","start":1859.765,"end":1860.265,"sentiment":"neutral","sentiment_score":0.06391356885433197},{"text":"No.","start":1860.4851,"end":1860.805,"sentiment":"neutral","sentiment_score":-0.012718522921204569},{"text":"Definitely not.","start":1860.805,"end":1861.8651,"sentiment":"neutral","sentiment_score":-0.02404761128127575},{"text":"Well, we appreciate that.","start":1863.4451,"end":1864.805,"sentiment":"neutral","sentiment_score":0.1635604053735733},{"text":"No.","start":1864.805,"end":1865.045,"sentiment":"neutral","sentiment_score":-0.014033390209078789}],"sentiment":"neutral","sentiment_score":0.07147867273953226,"num_words":9,"start":1859.765,"end":1865.045},{"sentences":[{"text":"Thank you so much.","start":1865.045,"end":1866.2451,"sentiment":"neutral","sentiment_score":0.2144464123994112},{"text":"No.","start":1866.2451,"end":1866.6,"sentiment":"neutral","sentiment_score":-0.013476766645908356},{"text":"I will get working on this as my team.","start":1866.6,"end":1868.28,"sentiment":"neutral","sentiment_score":0.02790895601113637},{"text":"It does take a few weeks to sort of put the advice together for you because it is quite in-depth in making sure we research everything, especially when it comes to the employer paid policy.","start":1868.28,"end":1876.2999,"sentiment":"neutral","sentiment_score":0.035426238711391174},{"text":"But if you have any questions in the meantime, Jason, please do let me know.","start":1877.32,"end":1880.52,"sentiment":"neutral","sentiment_score":0.06462222759922345}],"sentiment":"neutral","sentiment_score":0.05163658212404698,"num_words":64,"start":1865.045,"end":1880.52},{"sentences":[{"text":"I'm more than happy to make time to touch base with you.","start":1880.52,"end":1883.105,"sentiment":"neutral","sentiment_score":0.2524702710409959},{"text":"I do work generally around until about six, 07:00 Queensland time at night, Monday to Thursday.","start":1883.3251,"end":1888.0651,"sentiment":"neutral","sentiment_score":0.07692690473049879},{"text":"So more than happy to take time for you after work if you need to as well.","start":1888.2051,"end":1892.545,"sentiment":"neutral","sentiment_score":0.18403841029195225},{"text":"Oh, no.","start":1893.085,"end":1893.5651,"sentiment":"neutral","sentiment_score":0.1046852320432663},{"text":"I love this.","start":1893.5651,"end":1894.285,"sentiment":"positive","sentiment_score":0.4194059669971466}],"sentiment":"neutral","sentiment_score":0.17713430136442185,"num_words":50,"start":1880.52,"end":1894.285},{"sentences":[{"text":"This is fantastic.","start":1894.285,"end":1895.105,"sentiment":"positive","sentiment_score":0.5624371369679769},{"text":"I'm the craziest person ever to talk about insurance.","start":1895.55,"end":1897.79,"sentiment":"neutral","sentiment_score":0.045723528083827764},{"text":"This is super, but it's fantastic.","start":1897.79,"end":1899.0901,"sentiment":"positive","sentiment_score":0.7496633927027384},{"text":"It's so much fun to help people meet their goals.","start":1899.15,"end":1901.2301,"sentiment":"positive","sentiment_score":0.672563323378563},{"text":"So yeah.","start":1901.2301,"end":1904.93,"sentiment":"positive","sentiment_score":0.4733092039823532}],"sentiment":"positive","sentiment_score":0.47563517205417155,"num_words":30,"start":1894.285,"end":1904.93},{"sentences":[{"text":"All good.","start":1905.4701,"end":1906.03,"sentiment":"positive","sentiment_score":0.5073968470096588},{"text":"Is there anything else that you might need for me at the moment?","start":1906.03,"end":1908.27,"sentiment":"neutral","sentiment_score":0.11429261129636031},{"text":"Any other questions or anything else to sort of bring up at the moment at all?","start":1908.27,"end":1911.915,"sentiment":"neutral","sentiment_score":0.08433213992975652},{"text":"Yep.","start":1915.175,"end":1915.675,"sentiment":"neutral","sentiment_score":0.23491716384887695},{"text":"Yep.","start":1918.535,"end":1919.035,"sentiment":"neutral","sentiment_score":0.1055600643157959}],"sentiment":"neutral","sentiment_score":0.12698148811856905,"num_words":33,"start":1905.4701,"end":1919.035},{"sentences":[{"text":"Yes.","start":1921.895,"end":1922.395,"sentiment":"neutral","sentiment_score":0.08497253060340881},{"text":"Absolutely.","start":1924.6599,"end":1925.1599,"sentiment":"neutral","sentiment_score":0.2227632850408554},{"text":"No.","start":1925.2999,"end":1925.62,"sentiment":"neutral","sentiment_score":0.12238870561122894},{"text":"Thank you so much for your time this afternoon.","start":1925.62,"end":1927.38,"sentiment":"positive","sentiment_score":0.6740944186846415},{"text":"It's been a pleasure to get to know you.","start":1927.38,"end":1928.82,"sentiment":"positive","sentiment_score":0.7981182667944167}],"sentiment":"positive","sentiment_score":0.6514304138365246,"num_words":21,"start":1921.895,"end":1928.82},{"sentences":[{"text":"I'll get working on that research there for you.","start":1928.82,"end":1930.5,"sentiment":"positive","sentiment_score":0.6147838963402642},{"text":"If there's anything else that need in the meantime, I'll let you know, and I'll get my head of advice to help us do up a an official document requesting the information for your disability cover as well, and we'll get that email through.","start":1930.5,"end":1941.215,"sentiment":"neutral","sentiment_score":0.25454207069494506},{"text":"Okay?","start":1941.215,"end":1941.715,"sentiment":"neutral","sentiment_score":0.1864480972290039},{"text":"My pleasure.","start":1943.609,"end":1944.249,"sentiment":"positive","sentiment_score":0.7926910817623138},{"text":"You have a lovely afternoon, Jason.","start":1944.249,"end":1946.009,"sentiment":"positive","sentiment_score":0.8051068683465322}],"sentiment":"positive","sentiment_score":0.37637705884633527,"num_words":62,"start":1928.82,"end":1946.009},{"sentences":[{"text":"Thank you so much for your time.","start":1946.009,"end":1947.469,"sentiment":"positive","sentiment_score":0.8263462781906128},{"text":"Thanks.","start":1948.809,"end":1949.209,"sentiment":"positive","sentiment_score":0.546715497970581},{"text":"See you later.","start":1949.209,"end":1949.929,"sentiment":"positive","sentiment_score":0.43380075693130493},{"text":"Bye.","start":1949.929,"end":1950.429,"sentiment":"neutral","sentiment_score":0.1550789177417755}],"sentiment":"positive","sentiment_score":0.64896838615338,"num_words":12,"start":1946.009,"end":1950.429}]}}]},{"alternatives":[{"transcript":"Hello? Hello. Justin speaking. You're well. Thank you. How are you? Yes. Yep. It's fine. Yeah. It's fine. Sure. That's Jason Roman Lee. Fourteenth of the tenth seventy one. Five Renison Drive, Potonic Ridge. Yeah. No. I just asked her if, like, I'm I just told her my situation that, you know, I'm in a bit of a higher risk plan because and I'll I'll look at probably minimizing the risk, you know, from wanting to access it, but it's still a fair way off. And is there other options that we could look at to I mean, obviously, with the market at the moment and trying to recover from COVID as well as all the unsettlement that's going on in the world at the moment, I can understand why the return isn't where we want it. But can we can we do something to look at maybe increasing that? No. I don't. And I'll be honest, I don't. And that's that's why I pay you guys to manage it. So you guys manage it. Yeah. Sure. Can I ask you a question? Is is the is also the funds down a little bit there because we did a rollover into Hub 24? Okay. Couch. Okay. Mhmm. No. That's fine. Now you've answered that pretty good. I was with this my original document would be prior to COVID. I've been with you guys for a while, and then I got and then I dropped out and came back, if you know what I mean. Yeah. Okay. Yep. Yep. Yeah. Yeah. It is. It is. Yeah. Yeah. Because I've already taken out I took a big hit on the super from having to give a big chunk of it away for a partner. Yeah. So that's what to the big dive. I think I lost about a 100 k of that. So so I'm trying to recover that as best we can, if you know what I mean. Fluctuation. Yeah. Yeah. Yeah. Sure. Okay. Yep. Have I ever owned water? Yes. No. No. It's not. I mean, you always you always hope you always say that. But to be honest, I don't plan on retiring long for a while because I wanna keep energetic. I wanna keep moving, keep the brain active. And I know plenty of people who are in their seventies, and they're not certainly not working because they need the money. They just work because they don't wanna fade away. And I'm I'm pretty much I wanna keep busy too. So if, you know, my work might be in a good position where I can, you know, as I get older, I can drop back to three days a week and stuff like that, and then I'll probably look at that if possible. No. It'll be that time more after. I mean, you know, I can't can tell. I mean, it's still ten years away. Anything can happen. I have indeed. Yeah. Yeah. And I do well. I keep her in a high risk portfolio until '60 '5. And even if I wasn't retiring till '68, '70 or something like that, then the '65 reduce that risk down a bit so that it stabilizes a bit more before retiring. That's what I plan on doing. Yeah. Yeah. Yes. It does. So two two I I don't I don't ever take risk without calculating the the the pros and cons and and the risk involved. So too. No. It's white. Yeah. Just white. Do you go it's not happening in the real world. You just wait until it picks back up again. Just I'll have the patience to wait. That's why I see. Yeah. I I was looking for around 10%, but around more close to yep. No. I'm not feeling any of those things. When I say look. It's I see it falling value, but it it always has a always makes a margin on at the end of the day because it goes up and down like you said, but I don't get anxious. I suppose as I get closer to the retirement age, I might get anxious. Like, you're always cautious. Like, that's why we're having this phone call because I was cautious about the 3%. Yeah. Look. Yeah. Cautious, I guess. Yeah. Yeah. No. I don't wanna borrow anything. To borrow property only, I don't wanna borrow freedom to me is no debts. I'm focusing on paying everything off here so that I'm debt free here. That's the on the advice of my financial adviser. Yeah. Well, I've hang on to this place tooth and nail, and it hasn't been easy, but being, you know, a single dad. But but this is part of my retirement fund as well. So I mean, it's a big property, and I went as I get older, I can downsize. So and I've got probably 6 or $700,000 equity here. Yep. Okay. Sure. Yep. Yep. Yeah. Okay. Yep. Yep. Do you think it will I don't know. I was looking for more growth, and that's how we gonna is that gonna is that that's gonna slow the growth down, don't you think? Don't know. Yeah. Yeah. So many things, variations. Yep. Yeah. No. We'll we'll take it. We'll go to the next one down. Yeah. Yep. And then I can always reevaluate in your 12 time and see how that's going. Unless you forecast unless you can forecast anything that's gonna be viable to lever in the growth high growth portfolio that's happening over the next twelve months. I mean, I don't know. You guys are forecasting, obviously, or predicting things to move and where not to move. So I you know, if that's if that's I mean, at at the end of the day, I look to you guys for your professional opinion rather than just information. So if you think it should be staying where it is for give it another year, I mean, I take all that on board. I mean, if you think it should be moved down, then, yeah, for sure. Okay. Yeah. Cool. Great. Yeah. We'll make, Bennett, contributions, but just not at this time, but I do plan on making contributions when I've got about ten years left, I suppose. So it's only about another five years. If I can make them earlier, I will, but I've just always I said I'm not I'd rather contribute to paying off the loans I've got at the moment. Yeah. Yeah. Yep. For sure. Mhmm. Trident and Jet. Mhmm. Yep. Yes, sir. No. It's fine. I mean, I only owe you 300. I mean, it will pay out the loan and all or anything else that's owing and leave some over. So that's fine. I've got income protection and disability protection through my employer, so I don't need to have that. That's why that's why. No. And it's covered for well, it's covered. It's a good cover from my employers. So to have an additional one means just extra fees, and you don't get paid it out twice, unfortunately. Yes. Yeah. Just recently, and it'd be nice if I could get something from you guys requesting it because I get a little bit frustrated from our people culture team that announced to the world that we've covered for this and covered for that, but I can't get the information to provide to you guys on who and what that is. So No. I just I'm not gonna get donuts. Yeah. I get a bit frustrated because, I like to try and manage it in house with them rather than go up the line. But, you know, it's just people culture. They're not very quick to do anything. I don't know. You always look at Capital Group's website and see what you can find, but I don't know if it'll be made public. Obviously, I'm not sure if it's just internal information or whether it is public. We've got a fairly extensive website with all the information on there. But, yeah, it's capital with a k. Okay. Oh oh, yeah. Or just send me send me an email that's a a certain, like, a formal request, and I can forward it to them for them to respond. You know? Yep. Yeah. Yeah. That'd be good. Thanks. Yeah. I'm happy at the moment. I've got the yeah. I know. I'm trying I'm trying to increase the policy overall, and I just yeah. I don't want more insurance premiums coming out of it. So no. I mean, increase the return on my super. Yeah. So I don't want I don't want more policies coming out of it, do I? Yeah. Yeah. Yeah. No. Yep. Okay. Cheers. No. That's fine. That's fine. Yeah. That's fine. I've I've got a I've got a look at organizing a wheel, which I'm speaking to my yeah. Because I haven't really done anything that around that, but I'm in the process of of sorting that out now. She did say that, but I haven't received it. But I I'll be I'll be happy to look at it for sure, but I haven't finalized anything in my end. But I am discussing it with my adviser, but, well, he's my accountant and my financial adviser at the same time, so he can help me with that. But if you got something that can help me as well, I'll certainly view it. No. It's okay. It's fine. She's probably really jumping up and down still about the Google review I left her. Yeah. Yeah. She was. Yeah. No. She just she's she's I felt like I was not just another number, and she listened to what I had to say. So yeah. So the review is just honest. The review is honest. You know? So yep. Wow. There's a lot out there, girl. Yeah. I know. Oh, well. Oh, that's good. That's good. That's a good attitude. Yeah. Alright. No. I look forward to receiving that document, showing me the the difference in risk in return and, you know, and that's, you know, your recommendations, and then I'll make make a call and we'll go from there. Excellent. Thank you. You too. Cheers. Okay. 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Hello. Justin speaking. You're well. Thank you.\n\nHow are you? Yes. Yep. It's fine. Yeah.\n\nIt's fine. Sure. That's Jason Roman Lee. Fourteenth of the tenth seventy one. Five Renison Drive, Potonic Ridge.\n\nYeah. No. I just asked her if, like, I'm I just told her my situation that, you know, I'm in a bit of a higher risk plan because and I'll I'll look at probably minimizing the risk, you know, from wanting to access it, but it's still a fair way off. And is there other options that we could look at to I mean, obviously, with the market at the moment and trying to recover from COVID as well as all the unsettlement that's going on in the world at the moment, I can understand why the return isn't where we want it. But can we can we do something to look at maybe increasing that?\n\nNo. I don't. And I'll be honest, I don't. And that's that's why I pay you guys to manage it. So you guys manage it.\n\nYeah. Sure. Can I ask you a question? Is is the is also the funds down a little bit there because we did a rollover into Hub 24? Okay.\n\nCouch. Okay. Mhmm. No. That's fine.\n\nNow you've answered that pretty good. I was with this my original document would be prior to COVID. I've been with you guys for a while, and then I got and then I dropped out and came back, if you know what I mean. Yeah. Okay.\n\nYep. Yep. Yeah. Yeah. It is.\n\nIt is. Yeah. Yeah. Because I've already taken out I took a big hit on the super from having to give a big chunk of it away for a partner. Yeah.\n\nSo that's what to the big dive. I think I lost about a 100 k of that. So so I'm trying to recover that as best we can, if you know what I mean. Fluctuation. Yeah.\n\nYeah. Yeah. Sure. Okay. Yep.\n\nHave I ever owned water? Yes. No. No. It's not.\n\nI mean, you always you always hope you always say that. But to be honest, I don't plan on retiring long for a while because I wanna keep energetic. I wanna keep moving, keep the brain active. And I know plenty of people who are in their seventies, and they're not certainly not working because they need the money. They just work because they don't wanna fade away.\n\nAnd I'm I'm pretty much I wanna keep busy too. So if, you know, my work might be in a good position where I can, you know, as I get older, I can drop back to three days a week and stuff like that, and then I'll probably look at that if possible. No. It'll be that time more after. I mean, you know, I can't can tell.\n\nI mean, it's still ten years away. Anything can happen. I have indeed. Yeah. Yeah.\n\nAnd I do well. I keep her in a high risk portfolio until '60 '5. And even if I wasn't retiring till '68, '70 or something like that, then the '65 reduce that risk down a bit so that it stabilizes a bit more before retiring. That's what I plan on doing. Yeah.\n\nYeah. Yes. It does. So two two I I don't I don't ever take risk without calculating the the the pros and cons and and the risk involved. So too.\n\nNo. It's white. Yeah. Just white. Do you go it's not happening in the real world.\n\nYou just wait until it picks back up again. Just I'll have the patience to wait. That's why I see. Yeah. I I was looking for around 10%, but around more close to yep.\n\nNo. I'm not feeling any of those things. When I say look. It's I see it falling value, but it it always has a always makes a margin on at the end of the day because it goes up and down like you said, but I don't get anxious. I suppose as I get closer to the retirement age, I might get anxious.\n\nLike, you're always cautious. Like, that's why we're having this phone call because I was cautious about the 3%. Yeah. Look. Yeah.\n\nCautious, I guess. Yeah. Yeah. No. I don't wanna borrow anything.\n\nTo borrow property only, I don't wanna borrow freedom to me is no debts. I'm focusing on paying everything off here so that I'm debt free here. That's the on the advice of my financial adviser. Yeah. Well, I've hang on to this place tooth and nail, and it hasn't been easy, but being, you know, a single dad.\n\nBut but this is part of my retirement fund as well. So I mean, it's a big property, and I went as I get older, I can downsize. So and I've got probably 6 or $700,000 equity here. Yep. Okay.\n\nSure. Yep. Yep. Yeah. Okay.\n\nYep. Yep. Do you think it will I don't know. I was looking for more growth, and that's how we gonna is that gonna is that that's gonna slow the growth down, don't you think? Don't know.\n\nYeah. Yeah. So many things, variations. Yep. Yeah.\n\nNo. We'll we'll take it. We'll go to the next one down. Yeah. Yep.\n\nAnd then I can always reevaluate in your 12 time and see how that's going. Unless you forecast unless you can forecast anything that's gonna be viable to lever in the growth high growth portfolio that's happening over the next twelve months. I mean, I don't know. You guys are forecasting, obviously, or predicting things to move and where not to move. So I you know, if that's if that's I mean, at at the end of the day, I look to you guys for your professional opinion rather than just information.\n\nSo if you think it should be staying where it is for give it another year, I mean, I take all that on board. I mean, if you think it should be moved down, then, yeah, for sure. Okay. Yeah. Cool.\n\nGreat. Yeah. We'll make, Bennett, contributions, but just not at this time, but I do plan on making contributions when I've got about ten years left, I suppose. So it's only about another five years. If I can make them earlier, I will, but I've just always I said I'm not I'd rather contribute to paying off the loans I've got at the moment.\n\nYeah. Yeah. Yep. For sure. Mhmm.\n\nTrident and Jet. Mhmm. Yep. Yes, sir. No.\n\nIt's fine. I mean, I only owe you 300. I mean, it will pay out the loan and all or anything else that's owing and leave some over. So that's fine. I've got income protection and disability protection through my employer, so I don't need to have that.\n\nThat's why that's why. No. And it's covered for well, it's covered. It's a good cover from my employers. So to have an additional one means just extra fees, and you don't get paid it out twice, unfortunately.\n\nYes. Yeah. Just recently, and it'd be nice if I could get something from you guys requesting it because I get a little bit frustrated from our people culture team that announced to the world that we've covered for this and covered for that, but I can't get the information to provide to you guys on who and what that is. So No. I just I'm not gonna get donuts.\n\nYeah. I get a bit frustrated because, I like to try and manage it in house with them rather than go up the line. But, you know, it's just people culture. They're not very quick to do anything. I don't know.\n\nYou always look at Capital Group's website and see what you can find, but I don't know if it'll be made public. Obviously, I'm not sure if it's just internal information or whether it is public. We've got a fairly extensive website with all the information on there. But, yeah, it's capital with a k. Okay.\n\nOh oh, yeah. Or just send me send me an email that's a a certain, like, a formal request, and I can forward it to them for them to respond. You know? Yep. Yeah.\n\nYeah. That'd be good. Thanks. Yeah. I'm happy at the moment.\n\nI've got the yeah. I know. I'm trying I'm trying to increase the policy overall, and I just yeah. I don't want more insurance premiums coming out of it. So no.\n\nI mean, increase the return on my super. Yeah. So I don't want I don't want more policies coming out of it, do I? Yeah. Yeah.\n\nYeah. No. Yep. Okay. Cheers.\n\nNo. That's fine. That's fine. Yeah. That's fine.\n\nI've I've got a I've got a look at organizing a wheel, which I'm speaking to my yeah. Because I haven't really done anything that around that, but I'm in the process of of sorting that out now. She did say that, but I haven't received it. But I I'll be I'll be happy to look at it for sure, but I haven't finalized anything in my end. But I am discussing it with my adviser, but, well, he's my accountant and my financial adviser at the same time, so he can help me with that.\n\nBut if you got something that can help me as well, I'll certainly view it. No. It's okay. It's fine. She's probably really jumping up and down still about the Google review I left her.\n\nYeah. Yeah. She was. Yeah. No.\n\nShe just she's she's I felt like I was not just another number, and she listened to what I had to say. So yeah. So the review is just honest. The review is honest. You know?\n\nSo yep. Wow. There's a lot out there, girl. Yeah. I know.\n\nOh, well. Oh, that's good. That's good. That's a good attitude. Yeah.\n\nAlright. No. I look forward to receiving that document, showing me the the difference in risk in return and, you know, and that's, you know, your recommendations, and then I'll make make a call and we'll go from there. Excellent. Thank you.\n\nYou too. Cheers. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.013724147342145445},{"text":"Hello.","start":2.8799999,"end":3.28,"sentiment":"neutral","sentiment_score":0.026787571609020233},{"text":"Justin speaking.","start":3.28,"end":4.1,"sentiment":"neutral","sentiment_score":0.033463035710155964},{"text":"You're well.","start":8.32,"end":8.8,"sentiment":"positive","sentiment_score":0.42841123044490814},{"text":"Thank you.","start":8.8,"end":9.36,"sentiment":"positive","sentiment_score":0.6156532466411591}],"sentiment":"neutral","sentiment_score":0.2744458430679515,"num_words":8,"start":0.64,"end":9.36},{"sentences":[{"text":"How are you?","start":9.36,"end":10.179999,"sentiment":"positive","sentiment_score":0.3366664946079254},{"text":"Yes.","start":15.195,"end":15.695,"sentiment":"neutral","sentiment_score":0.17072835564613342},{"text":"Yep.","start":16.635,"end":16.955,"sentiment":"neutral","sentiment_score":0.15952591598033905},{"text":"It's fine.","start":16.955,"end":17.615,"sentiment":"positive","sentiment_score":0.3700978308916092},{"text":"Yeah.","start":25.914999,"end":26.154999,"sentiment":"neutral","sentiment_score":0.1949797421693802}],"sentiment":"neutral","sentiment_score":0.2844286449253559,"num_words":8,"start":9.36,"end":26.154999},{"sentences":[{"text":"It's fine.","start":26.154999,"end":26.814999,"sentiment":"positive","sentiment_score":0.34845374524593353},{"text":"Sure.","start":36.69,"end":37.17,"sentiment":"neutral","sentiment_score":0.04630941525101662},{"text":"That's Jason Roman Lee.","start":37.17,"end":39.01,"sentiment":"neutral","sentiment_score":0.022138793021440506},{"text":"Fourteenth of the tenth seventy one.","start":39.01,"end":40.53,"sentiment":"neutral","sentiment_score":0.029517578271528084},{"text":"Five Renison Drive, Potonic Ridge.","start":40.53,"end":50.0975,"sentiment":"neutral","sentiment_score":0.04388965144753456}],"sentiment":"neutral","sentiment_score":0.06824032248308261,"num_words":18,"start":26.154999,"end":50.0975},{"sentences":[{"text":"Yeah.","start":66.57,"end":66.81,"sentiment":"neutral","sentiment_score":-0.06935742497444153},{"text":"No.","start":66.81,"end":67.13,"sentiment":"neutral","sentiment_score":-0.1871861517429352},{"text":"I just asked her if, like, I'm I just told her my situation that, you know, I'm in a bit of a higher risk plan because and I'll I'll look at probably minimizing the risk, you know, from wanting to access it, but it's still a fair way off.","start":67.13,"end":82.475006,"sentiment":"neutral","sentiment_score":-0.16476162264541705},{"text":"And is there other options that we could look at to I mean, obviously, with the market at the moment and trying to recover from COVID as well as all the unsettlement that's going on in the world at the moment, I can understand why the return isn't where we want it.","start":82.475006,"end":97.75,"sentiment":"neutral","sentiment_score":-0.06104025799924365},{"text":"But can we can we do something to look at maybe increasing that?","start":97.75,"end":101.795,"sentiment":"neutral","sentiment_score":-0.0010913404134603648}],"sentiment":"neutral","sentiment_score":-0.09929434420412471,"num_words":116,"start":66.57,"end":101.795},{"sentences":[{"text":"No.","start":220.2,"end":220.51999,"sentiment":"neutral","sentiment_score":-0.1683681160211563},{"text":"I don't.","start":220.51999,"end":221.18,"sentiment":"neutral","sentiment_score":-0.17092259228229523},{"text":"And I'll be honest, I don't.","start":221.59999,"end":223.98,"sentiment":"neutral","sentiment_score":-0.20667977631092072},{"text":"And that's that's why I pay you guys to manage it.","start":224.04,"end":226.995,"sentiment":"neutral","sentiment_score":-0.09483531930229881},{"text":"So you guys manage it.","start":226.995,"end":229.815,"sentiment":"neutral","sentiment_score":-0.03365705348551273}],"sentiment":"neutral","sentiment_score":-0.11847062952816487,"num_words":25,"start":220.2,"end":229.815},{"sentences":[{"text":"Yeah.","start":288.32498,"end":288.645,"sentiment":"neutral","sentiment_score":0.11566279828548431},{"text":"Sure.","start":288.645,"end":289.145,"sentiment":"neutral","sentiment_score":0.1289823353290558},{"text":"Can I ask you a question?","start":290.0,"end":291.04,"sentiment":"neutral","sentiment_score":0.1250683975716432},{"text":"Is is the is also the funds down a little bit there because we did a rollover into Hub 24?","start":291.04,"end":297.7,"sentiment":"neutral","sentiment_score":0.033585483115166424},{"text":"Okay.","start":305.69498,"end":306.19498,"sentiment":"neutral","sentiment_score":0.08880989998579025}],"sentiment":"neutral","sentiment_score":0.06053707177012131,"num_words":29,"start":288.32498,"end":306.19498},{"sentences":[{"text":"Couch.","start":412.475,"end":412.975,"sentiment":"neutral","sentiment_score":-0.19081346690654755},{"text":"Okay.","start":419.37,"end":419.87,"sentiment":"neutral","sentiment_score":-0.040846724063158035},{"text":"Mhmm.","start":476.31,"end":476.715,"sentiment":"negative","sentiment_score":-0.3847375214099884},{"text":"No.","start":486.475,"end":486.635,"sentiment":"neutral","sentiment_score":-0.042786404490470886},{"text":"That's fine.","start":486.635,"end":487.455,"sentiment":"neutral","sentiment_score":0.046542505733668804}],"sentiment":"neutral","sentiment_score":-0.09434985090047121,"num_words":6,"start":412.475,"end":487.455},{"sentences":[{"text":"Now you've answered that pretty good.","start":488.07498,"end":489.775,"sentiment":"neutral","sentiment_score":0.2871174042423566},{"text":"I was with this my original document would be prior to COVID.","start":489.88998,"end":493.83,"sentiment":"neutral","sentiment_score":-0.017115450153748196},{"text":"I've been with you guys for a while, and then I got and then I dropped out and came back, if you know what I mean.","start":495.41,"end":501.43,"sentiment":"neutral","sentiment_score":-0.02442157196883972},{"text":"Yeah.","start":505.01,"end":505.09,"sentiment":"neutral","sentiment_score":0.0011161435395479202},{"text":"Okay.","start":505.09,"end":505.575,"sentiment":"neutral","sentiment_score":0.00616810005158186}],"sentiment":"neutral","sentiment_score":0.019340052087183878,"num_words":46,"start":488.07498,"end":505.575},{"sentences":[{"text":"Yep.","start":506.135,"end":506.635,"sentiment":"neutral","sentiment_score":0.01081409677863121},{"text":"Yep.","start":515.655,"end":515.815,"sentiment":"neutral","sentiment_score":0.02546033263206482},{"text":"Yeah.","start":515.815,"end":516.295,"sentiment":"neutral","sentiment_score":0.03484511747956276},{"text":"Yeah.","start":516.295,"end":516.795,"sentiment":"neutral","sentiment_score":0.024795591831207275},{"text":"It is.","start":553.30005,"end":553.86005,"sentiment":"neutral","sentiment_score":0.27172139286994934}],"sentiment":"neutral","sentiment_score":0.10655965407689412,"num_words":6,"start":506.135,"end":553.86005},{"sentences":[{"text":"It is.","start":553.86005,"end":554.60004,"sentiment":"neutral","sentiment_score":0.1280280351638794},{"text":"Yeah.","start":595.965,"end":596.445,"sentiment":"neutral","sentiment_score":0.03060426004230976},{"text":"Yeah.","start":596.445,"end":596.945,"sentiment":"neutral","sentiment_score":0.06043373420834541},{"text":"Because I've already taken out I took a big hit on the super from having to give a big chunk of it away for a partner.","start":598.20996,"end":604.79,"sentiment":"neutral","sentiment_score":-0.2735768604862432},{"text":"Yeah.","start":605.41,"end":605.73,"sentiment":"neutral","sentiment_score":-0.12302141636610033}],"sentiment":"neutral","sentiment_score":-0.2222234104654842,"num_words":31,"start":553.86005,"end":605.73},{"sentences":[{"text":"So that's what to the big dive.","start":605.73,"end":607.81,"sentiment":"neutral","sentiment_score":-0.21274890857083456},{"text":"I think I lost about a 100 k of that.","start":607.81,"end":610.07,"sentiment":"neutral","sentiment_score":-0.31681290566921233},{"text":"So so I'm trying to recover that as best we can, if you know what I mean.","start":611.145,"end":615.245,"sentiment":"neutral","sentiment_score":-0.1084680000648779},{"text":"Fluctuation.","start":637.745,"end":638.245,"sentiment":"neutral","sentiment_score":-0.18398427963256836},{"text":"Yeah.","start":638.70496,"end":639.20496,"sentiment":"neutral","sentiment_score":0.0625992864370346}],"sentiment":"neutral","sentiment_score":-0.18396423363851178,"num_words":36,"start":605.73,"end":639.20496},{"sentences":[{"text":"Yeah.","start":639.90497,"end":640.40497,"sentiment":"neutral","sentiment_score":0.05084356665611267},{"text":"Yeah.","start":652.32,"end":652.48,"sentiment":"neutral","sentiment_score":0.0582987442612648},{"text":"Sure.","start":652.48,"end":652.98,"sentiment":"neutral","sentiment_score":0.15474799275398254},{"text":"Okay.","start":665.695,"end":666.195,"sentiment":"neutral","sentiment_score":0.07204198837280273},{"text":"Yep.","start":666.335,"end":666.835,"sentiment":"neutral","sentiment_score":0.14325182139873505}],"sentiment":"neutral","sentiment_score":0.09583682268857956,"num_words":5,"start":639.90497,"end":666.835},{"sentences":[{"text":"Have I ever owned water?","start":672.95,"end":674.25,"sentiment":"neutral","sentiment_score":0.00950163658708334},{"text":"Yes.","start":680.71,"end":681.21,"sentiment":"neutral","sentiment_score":0.003293026238679886},{"text":"No.","start":681.27,"end":681.77,"sentiment":"neutral","sentiment_score":-0.08889291435480118},{"text":"No.","start":703.08,"end":703.32,"sentiment":"neutral","sentiment_score":-0.21188893914222717},{"text":"It's not.","start":703.32,"end":703.88,"sentiment":"neutral","sentiment_score":-0.21469564735889435}],"sentiment":"neutral","sentiment_score":-0.06793719390407205,"num_words":10,"start":672.95,"end":703.88},{"sentences":[{"text":"I mean, you always you always hope you always say that.","start":703.88,"end":706.6,"sentiment":"neutral","sentiment_score":-0.15716407244855707},{"text":"But to be honest, I don't plan on retiring long for a while because I wanna keep energetic.","start":706.6,"end":713.18,"sentiment":"neutral","sentiment_score":-0.1750062426759137},{"text":"I wanna keep moving, keep the brain active.","start":713.24,"end":715.16,"sentiment":"neutral","sentiment_score":0.0501069575548172},{"text":"And I know plenty of people who are in their seventies, and they're not certainly not working because they need the money.","start":715.16,"end":720.135,"sentiment":"neutral","sentiment_score":-0.10004374435679479},{"text":"They just work because they don't wanna fade away.","start":720.135,"end":722.315,"sentiment":"neutral","sentiment_score":-0.09559635983573066}],"sentiment":"neutral","sentiment_score":-0.11087339880931027,"num_words":68,"start":703.88,"end":722.315},{"sentences":[{"text":"And I'm I'm pretty much I wanna keep busy too.","start":723.415,"end":726.375,"sentiment":"neutral","sentiment_score":0.03301518757361919},{"text":"So if, you know, my work might be in a good position where I can, you know, as I get older, I can drop back to three days a week and stuff like that, and then I'll probably look at that if possible.","start":726.375,"end":739.68,"sentiment":"neutral","sentiment_score":0.1666570249511752},{"text":"No.","start":761.76,"end":762.08,"sentiment":"neutral","sentiment_score":-0.14222575724124908},{"text":"It'll be that time more after.","start":762.08,"end":763.7,"sentiment":"neutral","sentiment_score":-0.12355666607618332},{"text":"I mean, you know, I can't can tell.","start":764.8,"end":766.8,"sentiment":"neutral","sentiment_score":-0.012261880794540048}],"sentiment":"neutral","sentiment_score":0.09580504630267729,"num_words":68,"start":723.415,"end":766.8},{"sentences":[{"text":"I mean, it's still ten years away.","start":766.8,"end":768.64,"sentiment":"neutral","sentiment_score":-0.08093210522617612},{"text":"Anything can happen.","start":768.64,"end":769.545,"sentiment":"neutral","sentiment_score":-0.12347862124443054},{"text":"I have indeed.","start":781.065,"end":781.885,"sentiment":"neutral","sentiment_score":0.25886744260787964},{"text":"Yeah.","start":801.075,"end":801.575,"sentiment":"neutral","sentiment_score":-0.04430817440152168},{"text":"Yeah.","start":803.315,"end":803.555,"sentiment":"neutral","sentiment_score":0.10839369148015976}],"sentiment":"neutral","sentiment_score":-0.0064181836942831675,"num_words":15,"start":766.8,"end":803.555},{"sentences":[{"text":"And I do well.","start":803.555,"end":804.515,"sentiment":"neutral","sentiment_score":0.23017683252692223},{"text":"I keep her in a high risk portfolio until '60 '5.","start":804.515,"end":809.495,"sentiment":"neutral","sentiment_score":0.09130102463743904},{"text":"And even if I wasn't retiring till '68, '70 or something like that, then the '65 reduce that risk down a bit so that it stabilizes a bit more before retiring.","start":809.63,"end":822.40497,"sentiment":"neutral","sentiment_score":0.11652856055767305},{"text":"That's what I plan on doing.","start":822.865,"end":824.245,"sentiment":"neutral","sentiment_score":0.16555422047773996},{"text":"Yeah.","start":842.58,"end":843.08,"sentiment":"neutral","sentiment_score":-0.09631511569023132}],"sentiment":"neutral","sentiment_score":0.12140404123742625,"num_words":53,"start":803.555,"end":843.08},{"sentences":[{"text":"Yeah.","start":879.035,"end":879.355,"sentiment":"neutral","sentiment_score":0.030105341225862503},{"text":"Yes.","start":879.355,"end":879.675,"sentiment":"neutral","sentiment_score":0.16865140199661255},{"text":"It does.","start":879.675,"end":880.415,"sentiment":"neutral","sentiment_score":0.1800287365913391},{"text":"So two two I I don't I don't ever take risk without calculating the the the pros and cons and and the risk involved.","start":914.88,"end":922.08,"sentiment":"neutral","sentiment_score":0.005718669155612588},{"text":"So too.","start":922.08,"end":934.35504,"sentiment":"neutral","sentiment_score":0.1279507763683796}],"sentiment":"neutral","sentiment_score":0.03173212762922049,"num_words":30,"start":879.035,"end":934.35504},{"sentences":[{"text":"No.","start":934.83,"end":935.33,"sentiment":"neutral","sentiment_score":-0.22676099836826324},{"text":"It's white.","start":947.63,"end":948.21,"sentiment":"neutral","sentiment_score":-0.020424162968993187},{"text":"Yeah.","start":948.59,"end":948.99,"sentiment":"neutral","sentiment_score":0.025002896785736084},{"text":"Just white.","start":948.99,"end":949.47003,"sentiment":"neutral","sentiment_score":0.007361047901213169},{"text":"Do you go it's not happening in the real world.","start":949.47003,"end":951.795,"sentiment":"neutral","sentiment_score":-0.11554498076438904}],"sentiment":"neutral","sentiment_score":-0.0864583837101236,"num_words":16,"start":934.83,"end":951.795},{"sentences":[{"text":"You just wait until it picks back up 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cautious about the 3%.","start":1025.41,"end":1029.91,"sentiment":"neutral","sentiment_score":-0.053531707574923836},{"text":"Yeah.","start":1031.345,"end":1031.845,"sentiment":"neutral","sentiment_score":-0.0003844331949949265},{"text":"Look.","start":1032.025,"end":1032.525,"sentiment":"neutral","sentiment_score":-0.00656182412058115},{"text":"Yeah.","start":1032.7051,"end":1032.9451,"sentiment":"neutral","sentiment_score":-0.01221415027976036}],"sentiment":"neutral","sentiment_score":-0.05465711310336536,"num_words":22,"start":1024.4501,"end":1032.9451},{"sentences":[{"text":"Cautious, I 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here.","start":1062.135,"end":1071.035,"sentiment":"neutral","sentiment_score":0.15750933381227347},{"text":"That's the on the advice of my financial adviser.","start":1071.175,"end":1074.15,"sentiment":"neutral","sentiment_score":0.2383477340141932},{"text":"Yeah.","start":1084.55,"end":1084.79,"sentiment":"neutral","sentiment_score":0.12759852409362793},{"text":"Well, I've hang on to this place tooth and nail, and it hasn't been easy, but being, you know, a single dad.","start":1084.79,"end":1090.535,"sentiment":"neutral","sentiment_score":0.08481489816172556}],"sentiment":"neutral","sentiment_score":0.09534933089704836,"num_words":59,"start":1048.76,"end":1090.535},{"sentences":[{"text":"But but this is part of my retirement fund as well.","start":1090.535,"end":1094.775,"sentiment":"neutral","sentiment_score":0.09694674543359062},{"text":"So I mean, it's a big property, and I went as I get older, I can downsize.","start":1094.775,"end":1099.995,"sentiment":"neutral","sentiment_score":-0.0342765702482532},{"text":"So and I've got probably 6 or $700,000 equity 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you think it will I don't know.","start":1200.045,"end":1203.665,"sentiment":"neutral","sentiment_score":-0.19166120886802673},{"text":"I was looking for more growth, and that's how we gonna is that gonna is that that's gonna slow the growth down, don't you think?","start":1204.525,"end":1210.385,"sentiment":"neutral","sentiment_score":-0.3060856622457504},{"text":"Don't know.","start":1210.525,"end":1211.345,"sentiment":"neutral","sentiment_score":-0.13812829181551933}],"sentiment":"neutral","sentiment_score":-0.2485096466702384,"num_words":37,"start":1171.015,"end":1211.345},{"sentences":[{"text":"Yeah.","start":1232.425,"end":1232.925,"sentiment":"neutral","sentiment_score":-0.064340740442276},{"text":"Yeah.","start":1245.9,"end":1246.38,"sentiment":"neutral","sentiment_score":-0.009850746020674706},{"text":"So many things, 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know.","start":1331.275,"end":1332.395,"sentiment":"neutral","sentiment_score":-0.09965038597583771},{"text":"You guys are forecasting, obviously, or predicting things to move and where not to move.","start":1332.395,"end":1338.0951,"sentiment":"neutral","sentiment_score":-0.10971605355540912},{"text":"So I you know, if that's if that's I mean, at at the end of the day, I look to you guys for your professional opinion rather than just information.","start":1339.1951,"end":1347.56,"sentiment":"neutral","sentiment_score":0.13967354353517294}],"sentiment":"neutral","sentiment_score":0.04535331466721128,"num_words":92,"start":1293.0701,"end":1347.56},{"sentences":[{"text":"So if you think it should be staying where it is for give it another year, I mean, I take all that on board.","start":1348.18,"end":1353.14,"sentiment":"neutral","sentiment_score":0.04808668737920622},{"text":"I mean, if you think it should be moved down, then, yeah, for 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honest.","start":1861.535,"end":1862.515,"sentiment":"neutral","sentiment_score":-0.023194740526378155},{"text":"You know?","start":1862.5751,"end":1863.235,"sentiment":"neutral","sentiment_score":0.0009986157529056055}],"sentiment":"neutral","sentiment_score":-0.06598404507773618,"num_words":36,"start":1853.48,"end":1863.235},{"sentences":[{"text":"So yep.","start":1863.295,"end":1865.3151,"sentiment":"neutral","sentiment_score":0.015790328616276383},{"text":"Wow.","start":1887.7151,"end":1888.2151,"sentiment":"neutral","sentiment_score":0.18277600407600403},{"text":"There's a lot out there, girl.","start":1890.8351,"end":1892.535,"sentiment":"neutral","sentiment_score":0.14771199226379395},{"text":"Yeah.","start":1895.7151,"end":1895.9551,"sentiment":"neutral","sentiment_score":0.014536060392856598},{"text":"I 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attitude.","start":1902.98,"end":1903.88,"sentiment":"positive","sentiment_score":0.763373851776123},{"text":"Yeah.","start":1905.06,"end":1905.22,"sentiment":"positive","sentiment_score":0.33724895119667053}],"sentiment":"positive","sentiment_score":0.7099350516994795,"num_words":12,"start":1899.555,"end":1905.22},{"sentences":[{"text":"Alright.","start":1905.22,"end":1905.72,"sentiment":"neutral","sentiment_score":0.3164978623390198},{"text":"No.","start":1912.26,"end":1912.58,"sentiment":"neutral","sentiment_score":0.07118722796440125},{"text":"I look forward to receiving that document, showing me the the difference in risk in return and, you know, and that's, you know, your recommendations, and then I'll make make a call and we'll go from there.","start":1912.58,"end":1924.4851,"sentiment":"neutral","sentiment_score":0.18324662060350985},{"text":"Excellent.","start":1942.1951,"end":1942.515,"sentiment":"positive","sentiment_score":0.6653890609741211},{"text":"Thank you.","start":1942.515,"end":1943.255,"sentiment":"positive","sentiment_score":0.7478795051574707}],"sentiment":"neutral","sentiment_score":0.22211805056957973,"num_words":42,"start":1905.22,"end":1943.255},{"sentences":[{"text":"You too.","start":1947.7151,"end":1948.3551,"sentiment":"positive","sentiment_score":0.525525689125061},{"text":"Cheers.","start":1948.3551,"end":1948.8551,"sentiment":"positive","sentiment_score":0.5953328609466553},{"text":"Okay.","start":1949.7151,"end":1950.2151,"sentiment":"neutral","sentiment_score":0.17330694198608398},{"text":"Bye.","start":1950.275,"end":1950.775,"sentiment":"neutral","sentiment_score":-0.09541289508342744}],"sentiment":"positive","sentiment_score":0.34485565721988676,"num_words":5,"start":1947.7151,"end":1950.775}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello. Justin speaking.\n\nChannel 0: Hi, Jason. This is Dana from Oku Financial. How are you this afternoon?\n\nChannel 1: You're well. Thank you. How are you?\n\nChannel 0: That's I'm very well. Thank you. Thanks for asking. I had you booked in for a bit of a catch up today. Is now still a good time\n\nChannel 1: Yes.\n\nChannel 0: there for you?\n\nChannel 1: Yep. It's fine.\n\nChannel 0: Fantastic. Jason, before we jump into the call, just to let you know, we do record our calls for training and quality purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Beautiful. And, also, just to do security there with you, we we are discussing your personal information. So I'll just get you to confirm for me just your full name, your date of birth, and address I should have on file.\n\nChannel 1: Sure. That's Jason Roman Lee. Fourteenth of the tenth seventy one. Five Renison\n\nChannel 0: Yeah.\n\nChannel 1: Drive, Potonic\n\nChannel 0: Beautiful. Thank you so much for that. Correct me if I'm wrong, Jason. I just had a bit of a look at the file prior to the call, and I know you've completed your\n\nChannel 1: Ridge.\n\nChannel 0: annual review of my colleague, Michelle. It may mention here that you wanted to have a bit of a chat about the portfolio. It's obviously not performed as well as it has in previous years. So I just wanted to sort of maybe get a bit of a catch up there and have a look at what we can do to maybe alter that. Is that right, or is there anything that might be missing from that at all?\n\nChannel 1: Yeah. No. I just asked her if, like, I'm I just told her my situation that, you know, I'm in a bit of a higher risk plan because\n\nChannel 0: Yeah.\n\nChannel 1: and I'll I'll look at probably minimizing the risk, you\n\nChannel 0: Yeah.\n\nChannel 1: know,\n\nChannel 0: Yeah.\n\nChannel 1: from\n\nChannel 0: Yep.\n\nChannel 1: wanting to access it, but it's still\n\nChannel 0: Yeah.\n\nChannel 1: a fair way off. And is there other options that we could look at to I mean, obviously, with the market at the moment and trying to recover from COVID as well as all the unsettlement that's going on in the world at the moment, I can understand why the return isn't where we want it. But can we can we do something to look at maybe increasing that?\n\nChannel 0: Yeah. We absolutely can. So one of the things I know, do go back and have a really good look at sort of where you've been from when you came on board to now. Having a look and I one of the things I do like to look at is obviously not just a portfolio over the last twelve months, but what it did over the course of last year. So I can see here in 2024, my colleague Veronica did provide the advice to move you into hub twenty four.\n\nSo you were kinda going through that implementation process again there and moving the money around. From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see. Unfortunately, from sort of early November to December, Bennelong, your Australian equities component in there, one of the underlying investments had been a bit dishonest to the market that had kinda come out in late November, early December time frame, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which has, unfortunately, meant that everyone's gone back and reevaluated Bennelong as well. So that is essentially the component of your portfolio that has is dragging the rest of the returns down. Otherwise, everything else there has been performing quite well.\n\nThe idea of having BANELON in your portfolio was it was giving you a bit of active management. So one of the things is they are they wanna buy and sell in line with what's happening in the market, but, unfortunately, even they couldn't predict what was the you know, what sort of happened last year with corporate traveler there. What we are sort of wanting to do, and that's what, you know, our investment committee have been sort of looking at over since we came back after Christmas. There is what to do in this sort of scenario, so whether we remove Van Alung as a whole. And they have actually come back saying they do wanna remove Van Alung.\n\nSo we can look at a couple of different things for you. We can look at just swapping out Van Alung and putting something else in its place. Or if you're comfortable with me looking at, do you look at your investments in your super very often, Jason? Is it something you like to log in and have a look at, or you're not too fast? Or\n\nChannel 1: No. I don't. And\n\nChannel 0: no.\n\nChannel 1: I'll be honest, I don't. And that's that's why I pay you guys to\n\nChannel 0: Yeah.\n\nChannel 1: manage it. So\n\nChannel 0: Yeah. No.\n\nChannel 1: you\n\nChannel 0: That's\n\nChannel 1: guys manage\n\nChannel 0: okay.\n\nChannel 1: it.\n\nChannel 0: Absolutely. And this is probably actually a really good question, and you've answered it really well for me because what has also been occurring over the last twelve months is our investment committee, along with utilizing BlackRock's investment firm, we've actually developed what's called an SMA or a separately managed account. If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product. Inside that SMA product, we actually have anywhere from 20 to 50 different investment options. And the benefit to having this kind of an SMA is that whilst you lose a little bit of visibility on the investments in your super fund there, it actually means that when funds are underperforming like what Fenelon has, instead of updating the advice to reflect and change one investment, our investment committee along with BlackRock's investment team can actually go in there and make those changes for you so we don't we can make them a lot faster.\n\nIs that something you would like me to have a look at for you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yes.\n\nChannel 1: Can I ask you a\n\nChannel 0: Perfect.\n\nChannel 1: question? Is is\n\nChannel 0: Absolutely.\n\nChannel 1: the is also the funds down a little bit there because we did a rollover into Hub 24?\n\nChannel 0: No. Most of the funds are performing really, really well for majority of the year there. It's just, essentially, last year was a very volatile year. I actually\n\nChannel 1: Okay.\n\nChannel 0: opened up your hub '24 and had a really good look at where things were. When I go back so sorry. I'm just going back to your investments here because I know that advice was provided around about the 2024 there. So early last year, we were kinda going through the implementation process. When I have a look at what's happened with your portfolio as a whole, it was actually quite positive at the start of last year.\n\nSo looking forward from, say, January all the way up until around about February 14, you're you were actually up quite significantly, and your portfolio had done really well. However, from about sort of mid February last year until about April, we had seen a lot of ups and downs in the market, and that's when the market as a whole saw quite a large dip. That unfortunately had impacted your portfolio there. From that dip, it took a bit of time. You did recover out, and your portfolio was providing a positive return.\n\nI'm just looking there. So you're up around about 7% up until around about early late October. Early November is when we really started to see a bit of a dip there, and then your portfolio has taken a bit more of a dive from there. So you're down from, say, December, January to now, and it's starting to come back and recover again. So that's what I can sort of see.\n\nI can see where you started. You were going quite well, and then the market dip that we saw last year, early last year, had a bit of an effect on your portfolio, and then we see it go down a bit. It had recovered back and was doing nicely, and you actually made that money back and had a full recovery and some additional growth there until that issue with Bennelong, and that's kinda had a bit more of a pullback. So Bennelong as a whole is actually down by about 20% at the moment,\n\nChannel 1: Couch.\n\nChannel 0: and that's sort of why yeah. So that's why your portfolio is only sort of seeing about a three to 4% return. So\n\nChannel 1: Okay.\n\nChannel 0: it has had quite a significant quite a significant pullback on your portfolio, and that is the majority of why your returns are down. Benelong is also quite a significant part of your portfolio. I went back and had a really good look. And the benefit to you getting that advice from Veronica in 2024 was that in your first advice document, that was, sorry, back in 2022 or 2020, I think it was. I'm so sorry.\n\nI'm just pulling it up now. Yeah. So your original advice document, you had about 40 invested in Banner Long. So with Veronica going back and providing that updated advice document back in 2024, we'd actually reduced your Banner Long exposure to 10% from that 40. So it's definitely not as high as a dip as what it would have seen if we hadn't provided that advice back in 2024.\n\nSo that is a benefit, but it is still down quite significantly. It's not what we want, and\n\nChannel 1: Mhmm.\n\nChannel 0: we definitely did wanna make sure we move everyone out of that along from now. Does that make sense? Do you have any questions from that? You're welcome to get me to elaborate more or ask any other questions.\n\nChannel 1: No. That's fine. Now you've answered that pretty good. I was with this my original document would be prior to COVID. I've been with you guys for a while, and\n\nChannel 0: You\n\nChannel 1: then\n\nChannel 0: have.\n\nChannel 1: I got\n\nChannel 0: You have.\n\nChannel 1: and then I dropped out and came back, if you know what I mean.\n\nChannel 0: Yeah. So 2020 was your first document there. I was just sort of\n\nChannel 1: Yeah.\n\nChannel 0: waiting\n\nChannel 1: Okay.\n\nChannel 0: for the system\n\nChannel 1: Yep.\n\nChannel 0: to load. I do apologize. Computers are a bit sickle. But 2020 was your first document. It was September 2020.\n\nThat was basically when COVID was sort of in place there.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: And then,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, 2024 was the updated change there, which is when we had reduced the exposure in the Banna Long, but we do wanna remove it fully now. We wanna make sure we are doing that. So if you like, what we can do is we can utilize the fact that it is down to our extent. So because it is down, you have seen a little bit of a drop there. In saying that, when I also had a quick look, your when you did the annual review of Michelle, that she noticed the balance in your account was about a hun 264,128.\n\nSo from there to now, you're at 266,000. So your portfolio has seen a bit of an increase over the last week or so, which is good to see.\n\nChannel 1: It\n\nChannel 0: It\n\nChannel 1: is.\n\nChannel 0: does show\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: is.\n\nChannel 0: it is recovering back, but we can utilize that debt to our advantage. So while Bennelong has had, sorry, a bit of a a dip in your portfolio and is down significantly, cementing some of those losses to your portfolio, if we move you into the SMA, can actually offset some of the capital gains by us moving some of the other investments there. So if you're comfortable with us doing that, I can go back. I can do the research against the estimate to see if it's appropriate for you in helping you to meet your goals, but also just assess whether maybe moving one or two investments might suit you as well, look at how we can minimize the CGT consequences of your super, but also look at how this might help you moving forward towards meeting your retirement goals. Would that be something you'd be comfortable with?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Because I've already\n\nChannel 0: You\n\nChannel 1: taken out I took a big hit on the super from having to give a big chunk of it away\n\nChannel 0: yeah.\n\nChannel 1: for a partner. Yeah. So that's what\n\nChannel 0: I'm\n\nChannel 1: to the\n\nChannel 0: so\n\nChannel 1: big\n\nChannel 0: sorry.\n\nChannel 1: dive. I think I lost about a 100 k of that.\n\nChannel 0: I'm so sorry.\n\nChannel 1: So so I'm trying to recover that as best we can, if you know what I\n\nChannel 0: Yes.\n\nChannel 1: mean.\n\nChannel 0: Absolutely. Most definitely. One of the other things you may have mentioned to me, Jason, was that you'd like to maybe look at reducing your exposure because you are in a high growth portfolio at the moment. And, honestly, a high growth portfolio does suit someone who is willing to take on a bit more risk. However, where markets are seeing a bit of a dip or where investments might not be performing as well, you can often see a little bit more of a a dip\n\nChannel 1: Fluctuation.\n\nChannel 0: in them.\n\nChannel 1: Yeah.\n\nChannel 0: Correct. Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: those sorts of downtimes are magnified as your balance increases as well. I can go through a bit of a risk profile questionnaire and just sort of have a gauge of where you're at, and we can sort of talk about the reduction. Would that be okay?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Beautiful. You've probably done a couple of these in the past. It is just about six questions. They're all multiple choice.\n\nI'll ask you the question, give you the options for answers. If you're not really sure, just let me know and we can talk it through. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. The first one here is have you ever owned direct shares in your own name before?\n\nChannel 1: Have I ever owned water?\n\nChannel 0: Direct shares in your own name? You have? Yep. Do you still own any of those at all?\n\nChannel 1: Yes. No.\n\nChannel 0: Nope. That's okay. Mhmm. All gone. Perfect.\n\nSo I'll just tick that box there. Beautiful. Now the next one here is asking the time horizon between now to when you're wanting to access your super. So having a bit of a look back at your conversation with my colleague, Michelle, there, you had noted that you were hoping to retire around about age 65. Is that still sort of your goal?\n\nChannel 1: No. It's not. I mean, you always you always hope you always say that. But\n\nChannel 0: Yeah.\n\nChannel 1: to be honest, I don't plan on retiring long for a while because I wanna keep energetic. I wanna keep moving, keep the brain active.\n\nChannel 0: Yeah.\n\nChannel 1: And I know plenty of people who are in their seventies, and they're not certainly not working because they need the money. They just work because they don't wanna fade away.\n\nChannel 0: Yeah. Correct.\n\nChannel 1: And I'm I'm pretty\n\nChannel 0: Yep.\n\nChannel 1: much I wanna keep busy too. So\n\nChannel 0: Yep.\n\nChannel 1: if, you know, my work might be in a good position where I can, you know, as I get older, I can drop back to three days a week and stuff like that,\n\nChannel 0: Yeah. Yep. Yep.\n\nChannel 1: and then I'll probably look at that if possible.\n\nChannel 0: Yeah. Perfect. So under the current legislation at the age of 65, regardless of whether you're working or not, your super is changed to the unrestricted nonpreserved. Sorry. So you basically get access at the age of 65 regardless of whether you're working or do you think it'd be around about that 65 mark you'd be wanting to reduce your hours?\n\nDo you think it'd be before that time frame?\n\nChannel 1: No. It'll be that time more after.\n\nChannel 0: About then? Yeah.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: mean, you know, I can't can tell. I mean, it's still ten\n\nChannel 0: Yeah.\n\nChannel 1: years away. Anything can happen.\n\nChannel 0: That's right. That's exactly right. Honestly, ten years doesn't feel like a long time as we get older, but I it's a lot can happen in ten years. If you look back at the last ten years, you've probably had so many changes in your lifetime. So\n\nChannel 1: I have indeed.\n\nChannel 0: perfect. So what I'll do is I'll make 65 the goal age there for you for us to work forward. So we have about a ten year time horizon to see what we can do. Our job is to keep monitoring things and moving things as we do to as we get towards that goal, but then you don't have to retire. It's just giving you the option to stop working or access your stupid.\n\nWe're not gonna, in\n\nChannel 1: Yeah.\n\nChannel 0: any way, shape, or form, force you to do so.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: And I do well. I keep her in a\n\nChannel 0: Yeah.\n\nChannel 1: high risk portfolio until '60\n\nChannel 0: Yep.\n\nChannel 1: '5. And even if I wasn't retiring till '68, '70 or something like that, then\n\nChannel 0: Yeah.\n\nChannel 1: the '65 reduce that risk down a bit so that\n\nChannel 0: Yep.\n\nChannel 1: it stabilizes a bit more before\n\nChannel 0: Yep.\n\nChannel 1: retiring. That's what I plan\n\nChannel 0: Yeah.\n\nChannel 1: on doing.\n\nChannel 0: Yeah. That is great in theory. The only downside I see to that occurring is that at the age of 65, because every, you know, couple of years in a ten year period, we do expect to see at least one or two years of negative returns. And as your balance gets higher and higher, you are impacted by those a lot more. You feel them a lot more.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, at the age of 65, if we are still in that high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly. I mean, even now, we are looking to reduce the risk a little bit, but you're still seeing a positive return out of your entire portfolio for the twelve months. I would hate to be cementing losses at a time where your portfolio might be seeing, you know, COVID like event again or something like that because we do know those events will occur in the future. We don't know when they're gonna occur. And the idea of reducing the risk is that we're minimizing the risk of those events having a larger effect on your portfolio.\n\nDoes that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah. Beautiful. Beautiful. The next one here is asking about inflation. It says, how much risk do you feel you're comfortable taking in order to make sure your returns are keeping up with inflation?\n\nDo you think you're comfortable taking on the highest level of risk that to get the best returns you possibly can? You're a bit more of a gambler. Option number two says you still want a higher level of risk for good returns, but probably more calculated risk. Option number three says you wanna take on a moderate or medium amount of risk to get the best returns you can. All the last options says you don't wanna take on any risk to get, you know, whatever returns you're able to obtain.\n\nChannel 1: So two two\n\nChannel 0: See?\n\nChannel 1: I I\n\nChannel 0: Beautiful.\n\nChannel 1: don't I don't ever take risk without calculating\n\nChannel 0: Calculated.\n\nChannel 1: the the the pros\n\nChannel 0: Perfect.\n\nChannel 1: and cons and and the risk involved. So\n\nChannel 0: Absolutely. Me too. The next one here is about volatility, and it says, how would you feel in six months if you saw your portfolio fall by 20% due to external market factors?\n\nChannel 1: too.\n\nChannel 0: Would you be one\n\nChannel 1: No.\n\nChannel 0: wanting to put more more money into the market as a buying opportunity? Option number two, are you likely to hold and wait and call us, or are you more likely to try and cement those losses and move your money to something more secure?\n\nChannel 1: It's white. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Just white. Do you go it's not happening in the real world. You just wait until it picks back up again.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Just I'll\n\nChannel 0: Beautiful.\n\nChannel 1: have the patience to wait. That's why\n\nChannel 0: Yeah.\n\nChannel 1: I see.\n\nChannel 0: Excellent. The next one here is asking what reasonable rate of return you'd like to achieve from your portfolio over the longer term. Am I right? You're looking for the highest return you can possibly get?\n\nChannel 1: Yeah. I I was looking for around 10%, but around more\n\nChannel 0: Yep.\n\nChannel 1: close to yep.\n\nChannel 0: Yep. That's okay. And the second last one here, it says, how would you or have you ever looked at your super and seen it fall in value? Because we know this will happen again in the future to you know, with external market factors and the volatility that we experience in the next ten years. How might how might you feel if you saw your super fall in value?\n\nAre you wanting to put more money into it? Are you a bit cautious? Are you concerned, or are you feeling very anxious?\n\nChannel 1: No. I'm not feeling any of those things.\n\nChannel 0: That's okay.\n\nChannel 1: When I say look. It's I see it falling value, but it it always has a always makes a margin on at the end of the day because it goes up and down like you said, but\n\nChannel 0: Yeah.\n\nChannel 1: I don't get anxious. I suppose as I get closer to the retirement age, I might get anxious.\n\nChannel 0: Yep. Do you feel a bit cautious? You probably wanna know what what's happening, why it's happening. You know?\n\nChannel 1: Like, you're always cautious. Like, that's why we're having this phone\n\nChannel 0: Yeah.\n\nChannel 1: call\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Absolutely.\n\nChannel 1: I was cautious\n\nChannel 0: Yeah.\n\nChannel 1: about the 3%. Yeah. Look. Yeah. Cautious, I guess.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is borrowing something you've only ever wanted to do for property?\n\nChannel 1: Yeah. No. I don't wanna borrow anything.\n\nChannel 0: No. That's okay.\n\nChannel 1: To borrow\n\nChannel 0: All\n\nChannel 1: property\n\nChannel 0: good.\n\nChannel 1: only, I don't wanna borrow freedom to me is no debts.\n\nChannel 0: No. Perfect. It's I've got a a goal here that you were hoping to maybe in the next few years get an investment property. Is that still something you'd like to do moving forward,\n\nChannel 1: I'm\n\nChannel 0: or are you just focusing on your main primary residence? Or\n\nChannel 1: focusing on paying everything off here so that\n\nChannel 0: yep.\n\nChannel 1: I'm debt free here. That's the on\n\nChannel 0: Perfect.\n\nChannel 1: the advice of my financial adviser.\n\nChannel 0: Yep. Perfect. Perfect. And, look, that's not bad. Going into retirement use debt free definitely gives you super a bit more longevity because it allows you to draw less out, which is a good thing.\n\nChannel 1: Yeah. Well, I've hang on to this place tooth and nail, and it hasn't been easy, but being, you know, a single dad. But but this is part of my retirement fund as well. So\n\nChannel 0: Yeah. No.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: mean, it's a big property, and I went as I get older, I can downsize.\n\nChannel 0: Yeah.\n\nChannel 1: So and I've got probably 6 or $700,000 equity here.\n\nChannel 0: Yep. Yep. Perfect. Well, when you are ready to downsize and you put on the market, let me know because there's things we can definitely do to help you with and we\n\nChannel 1: Yep.\n\nChannel 0: can provide advice on what to do with the funds for you as well. Okay?\n\nChannel 1: Okay. Sure.\n\nChannel 0: Beautiful. Now thank you for answering those questions. Now, look, Jason, you have come out as a growth investor. So a growth investor sees about 80% of their super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. In your high growth environment at the moment, you see 90% invested in those areas.\n\nSo this is dropping you down just by 10% there, and then we're increasing those defensive investments by about 10% so we have more cash, bonds, and fixed interest in those areas.\n\nChannel 1: Yep.\n\nChannel 0: With the growth investor, you're still taking on a fair amount of risk there. We do expect the likelihood of a negative return to be one in every five years.\n\nChannel 1: Yep.\n\nChannel 0: And with a high growth environment, we like you to be invested for eight years prior to accessing your super. Whereas with the growth portfolio, you can be in that up until about six years, you know, six years\n\nChannel 1: Yeah.\n\nChannel 0: away\n\nChannel 1: Okay.\n\nChannel 0: from wanting\n\nChannel 1: Yep.\n\nChannel 0: to access Lupus. So you are just reducing your risk level a little bit. You're still getting those good returns that you're still having a fair amount invest in those growth investments there. The\n\nChannel 1: Yep.\n\nChannel 0: expected returns out of a high growth portfolio is averaging between sort of eight to 10, whereas in a growth portfolio, we'd expect the average returns to be around about seven to 9% there. So we're sort of aiming for that sort of portfolio. Are you comfortable just by stepping down a little bit, maybe moving back into that growth environment a little bit?\n\nChannel 1: Do you think it will I don't know. I was looking for more growth, and that's how we gonna is that gonna is that that's gonna slow the growth down, don't you think?\n\nChannel 0: Not\n\nChannel 1: Don't\n\nChannel 0: necessarily.\n\nChannel 1: know.\n\nChannel 0: The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns. We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things. However, our high growth environment or our high growth portfolio has, at times, performed worse than our growth portfolio and vice versa. So it just\n\nChannel 1: Yeah.\n\nChannel 0: comes down to so many different factors when we are looking at it. It's about when contributions are going in. It's the different asset allocation, So I mean, different market performances like inflation, interest rates, economic growth, geopolitical factors.\n\nChannel 1: Yeah.\n\nChannel 0: Donald\n\nChannel 1: So\n\nChannel 0: Trump\n\nChannel 1: many things,\n\nChannel 0: tweeting\n\nChannel 1: variations.\n\nChannel 0: on a regular basis. Correct. So there are a lot of different things that go into the play there. If you wanted to, what I could do is because you do have that ten years before you're wanting to access Super at this point and maybe start reducing back, I can keep you in the high growth environment for a little bit longer. We could do a catch up in twelve months or even in six months to see where things are going, and then just maybe evaluate it then again.\n\nI can keep you at 90 sort of 10 split just for a little bit longer if you'd like to. You do have that ten year horizon, and we can certainly look if that helps for the year. How do you feel?\n\nChannel 1: Yep. Yeah. No. We'll we'll take it. We'll go to the next one down.\n\nChannel 0: We'll take it down a little bit? Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. Not a problem at all. So\n\nChannel 1: And\n\nChannel 0: I'll\n\nChannel 1: then I\n\nChannel 0: have\n\nChannel 1: can\n\nChannel 0: a look\n\nChannel 1: always\n\nChannel 0: at the\n\nChannel 1: reevaluate\n\nChannel 0: growth.\n\nChannel 1: in your 12 time and see how that's going.\n\nChannel 0: Absolutely. Most definitely. So what I'll do is I'll go back. I'll do a bit of research with my team there. It takes a couple of weeks to do the research properly for you.\n\nWe'll update the advice document to reflect the change in the portfolio, what we're gonna do. I will definitely look at that estimate product for you to see if it's gonna be beneficial for you working towards your goals there. We'll bring you back down to the growth portfolio. As part of the advice\n\nChannel 1: Unless\n\nChannel 0: document,\n\nChannel 1: you forecast\n\nChannel 0: you'll be\n\nChannel 1: unless you\n\nChannel 0: you're\n\nChannel 1: can forecast\n\nChannel 0: at\n\nChannel 1: anything that's gonna be viable to lever in the growth high growth\n\nChannel 0: mhmm.\n\nChannel 1: portfolio that's happening over the next twelve months. I mean, I don't know. You guys are forecasting, obviously, or predicting things to move and where not to move.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: I you know, if that's if that's I mean, at at the end of the day, I look to you guys for your professional opinion rather than\n\nChannel 0: Yeah.\n\nChannel 1: just information. So\n\nChannel 0: Yes.\n\nChannel 1: if you think it should be staying where it is for give it another year, I mean,\n\nChannel 0: Yep.\n\nChannel 1: I take all that on board. I mean, if you think it should be moved down, then, yeah, for sure.\n\nChannel 0: Absolutely. I can look at both those options for you and let you know what we recommend as part of the advice. It'll have the advantages, disadvantages, and the risks involved so you get to take it all on board and then make a decision as to whether you wanna take the advice or not. Okay.\n\nChannel 1: Okay. Yeah. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Great.\n\nChannel 0: Beautiful. That's okay. Now as part of that, I know you did mention that you did lose a fair a fair value of super about a 100 or thousand there. Are you open to maybe making additional contributions in to kinda help provide a bit more of a benefit, or you're just wanting to see what your portfolio can do with your employer contributions?\n\nChannel 1: Yeah. We'll make, Bennett, contributions, but just not at this time, but I do plan on making\n\nChannel 0: Okay.\n\nChannel 1: contributions when I've got about ten years left, I suppose. So it's only about another five years. If I\n\nChannel 0: Okay.\n\nChannel 1: can make\n\nChannel 0: Okay.\n\nChannel 1: them earlier, I will, but\n\nChannel 0: Yep.\n\nChannel 1: I've just always I said I'm not I'd rather contribute to paying off the loans I've got at the\n\nChannel 0: Yeah. That's okay. So once the loan's sort of paid down or paid off completely, then you're happy to sort of maybe whack in some more contributions or in around the next five odd years.\n\nChannel 1: moment. Yeah. Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: For sure.\n\nChannel 0: Perfect. Not a problem at all. I can break that out for you. It's not a problem at all. I will go back.\n\nI know Hub twenty four you've just moved in. It is a great platform. There's nothing wrong with it. But as part of my process, I do reevaluate the platform as well. It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as well.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: With the sorry. The insurances are also a really important part to sort of factor in as well. So at the moment, having a look at things, you've got your life cover only. It does certainly mean that in the event of passing, your life cover is paid out, but then also your super benefit is paid out to your beneficiaries there. I do have your beneficiaries noted here as so sorry.\n\nI'm looking here to\n\nChannel 1: Trident\n\nChannel 0: have this look.\n\nChannel 1: and Jet.\n\nChannel 0: Braden and Jeff for 50% each. You're still\n\nChannel 1: Mhmm.\n\nChannel 0: comfortable with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yes, sir.\n\nChannel 0: And excellent. And with your Zurich Life cover there, you've got a sum insured of 525,000. You're comfortable with the sum insured didn't wanna look at altering that at all at the moment?\n\nChannel 1: No. It's fine. I mean, I only owe you\n\nChannel 0: That's\n\nChannel 1: 300.\n\nChannel 0: okay.\n\nChannel 1: I mean, it will pay out the loan and all or anything else that's owing and leave some over. So that's fine.\n\nChannel 0: Yep.\n\nChannel 1: I've got income protection and disability protection through my employer, so I don't need\n\nChannel 0: Okay.\n\nChannel 1: to have that. That's why\n\nChannel 0: Yep. And so\n\nChannel 1: that's why.\n\nChannel 0: no. That's okay. So income protection and disability through your employer. So you're not worried about having to get anything additional income disability wise?\n\nChannel 1: No. And it's covered for well, it's covered. It's a good cover from my employers. So to have an additional one means just extra fees, and you don't get paid it out twice, unfortunately.\n\nChannel 0: No. Yeah. No. That's understandable. That's not a problem at all.\n\nIs it it's TPD as well as income protection. Is that right? That it pays out?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Has anyone here asked you to provide, like, any of the information on your TPD or income protection policy with your employer in the past?\n\nChannel 1: Yeah. Just recently, and it'd be nice if I could get something from you guys requesting it because\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Of course.\n\nChannel 1: get a little bit frustrated from our people culture team that announced to the world that we've covered for this and covered for that, but I can't get the information to provide to you guys on who and what that is. So\n\nChannel 0: No. That's okay. Is there anything particular they need from us? Because I'm more than happy to go back to our team and, you know, we can get, like, a letter of authority drawn up and have it all signed and sent through to them. Is there anything particular they're requesting to get the information?\n\nChannel 1: No. I just I'm not gonna get donuts. Yeah. I get a bit frustrated because, I like to try and manage it in house with them rather than go up\n\nChannel 0: Right.\n\nChannel 1: the line. But, you\n\nChannel 0: Yeah.\n\nChannel 1: know, it's just people culture. They're not very quick to do anything.\n\nChannel 0: No. That's okay. What I can do is I can also have a bit of a look around to see if do you guys have, like, an enterprise bargaining agreement or anything like that that you sign on a regular basis that might have that information in it?\n\nChannel 1: I don't know. You always look at Capital Group's website and see what you can find,\n\nChannel 0: Yep.\n\nChannel 1: but I don't know if\n\nChannel 0: Yeah.\n\nChannel 1: it'll be made public. Obviously, I'm not sure if it's just internal information or whether it is public. We've got\n\nChannel 0: Yeah.\n\nChannel 1: a fairly extensive website with all the information on there. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: okay.\n\nChannel 1: capital\n\nChannel 0: Leave\n\nChannel 1: with\n\nChannel 0: it\n\nChannel 1: a k.\n\nChannel 0: with me. Yep. Perfect. I'll tell you what. Leave it with me.\n\nI will do a bit of researching around. I'm pretty good with that. If there is something to find, we'll be able to find it for you and see what we can do. If we\n\nChannel 1: Okay.\n\nChannel 0: can't, that's absolutely okay. We just have to know. We don't we're not able to obtain the information. But leave it with me, and I'll go and do whatever I can. As I said, you pay for our services, so I'll do that research for you on your\n\nChannel 1: Oh oh,\n\nChannel 0: behalf.\n\nChannel 1: yeah.\n\nChannel 0: Okay?\n\nChannel 1: Or just send me\n\nChannel 0: Yeah.\n\nChannel 1: send me an email that's a a\n\nChannel 0: Yep.\n\nChannel 1: certain, like, a formal request, and I can forward it to them for them to respond. You know?\n\nChannel 0: Okay. Yeah. Perfect. I'll\n\nChannel 1: Yep.\n\nChannel 0: even get a head of advice to help me draw up something on a letterhead for you so it can be sent through to them via email. Makes it a little bit more official for you. Okay?\n\nChannel 1: Yeah. Yeah. That'd be good.\n\nChannel 0: Yep.\n\nChannel 1: Thanks.\n\nChannel 0: That's not a problem at all. Thank you so much for that. Now the only other type of kinda cover that you would normally wanna be looking at would be something like trauma, which tends to pay out a lump sum benefit, tax free benefit too in the event of a major diagnosis, tends to be things like cancer, Parkinson's, neurological conditions are a big one as well. Trauma has to be paid out of your back pocket. We do have to just sort of clarify with you.\n\nDid you wanna look at any kind of trauma cover, or you're happy with the life cover and your employer policy paid?\n\nChannel 1: Yeah. I'm happy at the moment. I've\n\nChannel 0: Have\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: yep. That's okay. If you\n\nChannel 1: yeah.\n\nChannel 0: ever\n\nChannel 1: I\n\nChannel 0: wanted\n\nChannel 1: know. I'm\n\nChannel 0: to talk\n\nChannel 1: trying\n\nChannel 0: about\n\nChannel 1: I'm\n\nChannel 0: any\n\nChannel 1: trying\n\nChannel 0: of\n\nChannel 1: to\n\nChannel 0: these\n\nChannel 1: increase the policy overall, and I just yeah. I don't want more insurance premiums coming out of it.\n\nChannel 0: yeah.\n\nChannel 1: So\n\nChannel 0: No. That's okay. Sorry. You said you're trying to increase the policy. Is that the one with your employer?\n\nOr\n\nChannel 1: no. I mean, increase the return on my super.\n\nChannel 0: of course. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: sorry.\n\nChannel 1: I don't want I don't want\n\nChannel 0: That\n\nChannel 1: more policies coming out of it, do I?\n\nChannel 0: no. That's okay. That's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. We just have to go through\n\nChannel 1: Yeah.\n\nChannel 0: all of those to make sure that you\n\nChannel 1: Yeah.\n\nChannel 0: understand what you're allowed to have and give you the option\n\nChannel 1: No.\n\nChannel 0: to do so.\n\nChannel 1: Yep.\n\nChannel 0: It's just always really important to clarify those options. If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you. Okay?\n\nChannel 1: Okay. Cheers.\n\nChannel 0: Perfect. Lovely. So just to kinda recap there, I'm gonna go back and review the soup of the investment side of things, what the capital gains consequences might be, and also the cost of the different options there. Look at the benefit working from now to the age of 65 to see where we can go with it, make sure it's providing you the options. We're not looking at any additional contributions as of yet.\n\nThat's something to put down the track for the next sort of five years or so, and keeping the the level of cover you have at the moment, and we'll see what we can find out about your your disability cover with your employer. Does that sound right? Have I missed anything at all, Jason?\n\nChannel 1: No. That's fine. That's fine.\n\nChannel 0: No. Perfect. And you're happy with your beneficiary nominations there being your two kids. I can see they're binding, non lapsing as well, which is fantastic. One of the big things with the binding, non lapsing nomination is that it binds the trustee to follow the direction that you've made and non lapsing.\n\nSo you don't have to fill out those beneficiary forms on a regular basis, which is a benefit for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: That's fine. I've I've got a I've got a look at organizing a wheel, which I'm\n\nChannel 0: Absolutely.\n\nChannel 1: speaking to my yeah. Because I haven't\n\nChannel 0: Yes.\n\nChannel 1: really done anything that around that, but I'm in the\n\nChannel 0: Yep.\n\nChannel 1: process of of sorting that out now.\n\nChannel 0: Okay. Perfect. I can see here that Michelle did speak to you about that. Did she send you the detail of our solicitor and the information pack there at all, or is that something you're doing through your solicitor you know? Or\n\nChannel 1: She did say that, but I haven't received it. But\n\nChannel 0: okay.\n\nChannel 1: I I'll be I'll be happy to look at it for sure, but I haven't finalized\n\nChannel 0: Yep.\n\nChannel 1: anything in my end. But I am discussing\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: okay.\n\nChannel 1: with my adviser, but, well, he's my accountant and my financial adviser at the same time, so he can\n\nChannel 0: Yeah.\n\nChannel 1: help me with that. But if you got something that\n\nChannel 0: Yeah.\n\nChannel 1: can help me as well, I'll certainly view it.\n\nChannel 0: Absolutely. I'll follow-up on the team and make sure the email comes out to you this afternoon. I'm so sorry that hasn't been sent to you. Okay.\n\nChannel 1: No. It's okay. It's fine.\n\nChannel 0: Perfect.\n\nChannel 1: She's probably\n\nChannel 0: All\n\nChannel 1: really jumping\n\nChannel 0: good.\n\nChannel 1: up and down still about the Google review I left her.\n\nChannel 0: No. No. Honestly, it is all good. I will follow that one up for you. Really appreciate that Google\n\nChannel 1: Yeah.\n\nChannel 0: review as well. Michelle is beautiful to speak to.\n\nChannel 1: Yeah. She was.\n\nChannel 0: I love I love working with her. She's an absolute gem. She's like everyone's mom. It's great.\n\nChannel 1: Yeah. No. She just she's she's I felt like I was not just another number, and she listened to what\n\nChannel 0: No.\n\nChannel 1: I had to say. So yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: So the\n\nChannel 0: No.\n\nChannel 1: review\n\nChannel 0: Definitely\n\nChannel 1: is just honest.\n\nChannel 0: not.\n\nChannel 1: The review is honest. You know? So\n\nChannel 0: Well, we appreciate that. No.\n\nChannel 1: yep.\n\nChannel 0: Thank you so much. No. I will get working on this as my team. It does take a few weeks to sort of put the advice together for you because it is quite in-depth in making sure we research everything, especially when it comes to the employer paid policy. But if you have any questions in the meantime, Jason, please do let me know.\n\nI'm more than happy to make time to touch base with you. I do work generally around until about six, 07:00 Queensland time at night, Monday to Thursday.\n\nChannel 1: Wow.\n\nChannel 0: So more than happy to take time for you after\n\nChannel 1: There's\n\nChannel 0: work\n\nChannel 1: a\n\nChannel 0: if\n\nChannel 1: lot\n\nChannel 0: you\n\nChannel 1: out\n\nChannel 0: need\n\nChannel 1: there,\n\nChannel 0: to as\n\nChannel 1: girl.\n\nChannel 0: well. Oh, no. I love this. This is fantastic. I'm the\n\nChannel 1: Yeah.\n\nChannel 0: craziest\n\nChannel 1: I know.\n\nChannel 0: person ever to talk about insurance. This is super, but it's fantastic. It's so much\n\nChannel 1: Oh,\n\nChannel 0: fun\n\nChannel 1: well.\n\nChannel 0: to help people meet their goals. So\n\nChannel 1: Oh, that's good. That's good. That's a good attitude.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: All good. Is there anything else that you might need for me at the moment? Any other questions or anything else to sort of bring up at the moment at all?\n\nChannel 1: No. I look forward to receiving that document,\n\nChannel 0: Yep.\n\nChannel 1: showing me the the difference in risk in return and,\n\nChannel 0: Yep.\n\nChannel 1: you know, and that's, you know, your recommendations, and then I'll\n\nChannel 0: Yes.\n\nChannel 1: make make a call and we'll go from there.\n\nChannel 0: Absolutely. No. Thank you so much for your time this afternoon. It's been a pleasure to get to know you. I'll get working on that research there for you.\n\nIf there's anything else that need in the meantime, I'll let you know, and I'll get my head of advice to help us do up a an official document requesting the information for your disability cover as well, and we'll get that email through. Okay?\n\nChannel 1: Excellent. Thank you.\n\nChannel 0: My pleasure. You have a lovely afternoon, Jason. Thank you so much for your time.\n\nChannel 1: You too. Cheers.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.013724147342145445},{"text":"Hello.","start":2.8799999,"end":3.28,"sentiment":"neutral","sentiment_score":0.026787571609020233},{"text":"Justin speaking.","start":3.28,"end":4.1,"sentiment":"neutral","sentiment_score":0.033463035710155964}],"sentiment":"neutral","sentiment_score":0.0268594475928694,"channel":1,"num_words":4,"start":0.64,"end":4.1},{"sentences":[{"text":"Hi, Jason.","start":4.56,"end":5.12,"sentiment":"neutral","sentiment_score":0.154264934360981},{"text":"This is Dana from Oku Financial.","start":5.12,"end":6.72,"sentiment":"neutral","sentiment_score":0.16612682243188223},{"text":"How are you this afternoon?","start":6.72,"end":7.94,"sentiment":"neutral","sentiment_score":0.23705064356327057}],"sentiment":"neutral","sentiment_score":0.19158030931766218,"channel":0,"num_words":13,"start":4.56,"end":7.94},{"sentences":[{"text":"You're well.","start":8.32,"end":8.8,"sentiment":"positive","sentiment_score":0.42841123044490814},{"text":"Thank you.","start":8.8,"end":9.36,"sentiment":"positive","sentiment_score":0.6156532466411591},{"text":"How are you?","start":9.36,"end":10.179999,"sentiment":"positive","sentiment_score":0.3366664946079254}],"sentiment":"positive","sentiment_score":0.44258977685655865,"channel":1,"num_words":7,"start":8.32,"end":10.179999},{"sentences":[{"text":"That's I'm very well.","start":9.84,"end":11.12,"sentiment":"positive","sentiment_score":0.6036431044340134},{"text":"Thank you.","start":11.12,"end":11.44,"sentiment":"positive","sentiment_score":0.6843908131122589},{"text":"Thanks for asking.","start":11.44,"end":12.24,"sentiment":"positive","sentiment_score":0.6618689695994059},{"text":"I had you booked in for a bit of a catch up today.","start":12.24,"end":14.16,"sentiment":"neutral","sentiment_score":0.29700521322397083},{"text":"Is now still a good time","start":14.16,"end":15.2,"sentiment":"neutral","sentiment_score":0.25612716873486835}],"sentiment":"positive","sentiment_score":0.39881399060998646,"channel":0,"num_words":28,"start":9.84,"end":15.2},{"sentences":[{"text":"Yes.","start":15.195,"end":15.695,"sentiment":"neutral","sentiment_score":0.17072835564613342}],"sentiment":"neutral","sentiment_score":0.17072835564613342,"channel":1,"num_words":1,"start":15.195,"end":15.695},{"sentences":[{"text":"there for you?","start":15.2,"end":15.975,"sentiment":"neutral","sentiment_score":0.12456210454305013}],"sentiment":"neutral","sentiment_score":0.12456210454305013,"channel":0,"num_words":3,"start":15.2,"end":15.975},{"sentences":[{"text":"Yep.","start":16.635,"end":16.955,"sentiment":"neutral","sentiment_score":0.15952591598033905},{"text":"It's fine.","start":16.955,"end":17.615,"sentiment":"positive","sentiment_score":0.3700978308916092}],"sentiment":"neutral","sentiment_score":0.2999071925878525,"channel":1,"num_words":3,"start":16.635,"end":17.615},{"sentences":[{"text":"Fantastic.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.6970169544219971},{"text":"Jason, before we jump into the call, just to let you know, we do record our calls for training and quality purposes.","start":19.175,"end":23.815,"sentiment":"neutral","sentiment_score":0.19575046815655447},{"text":"Are you happy for us to proceed with that?","start":23.815,"end":25.755001,"sentiment":"neutral","sentiment_score":0.23898480667008293}],"sentiment":"neutral","sentiment_score":0.22357470355927944,"channel":0,"num_words":32,"start":17.895,"end":25.755001},{"sentences":[{"text":"Yeah.","start":25.914999,"end":26.154999,"sentiment":"neutral","sentiment_score":0.1949797421693802},{"text":"It's fine.","start":26.154999,"end":26.814999,"sentiment":"positive","sentiment_score":0.34845374524593353}],"sentiment":"neutral","sentiment_score":0.29729574422041577,"channel":1,"num_words":3,"start":25.914999,"end":26.814999},{"sentences":[{"text":"Beautiful.","start":27.255001,"end":27.755001,"sentiment":"positive","sentiment_score":0.6520342826843262},{"text":"And, also, just to do security there with you, we we are discussing your personal information.","start":27.815,"end":31.61,"sentiment":"neutral","sentiment_score":0.1653602933511138},{"text":"So I'll just get you to confirm for me just your full name, your date of birth, and address I should have on file.","start":31.61,"end":36.19,"sentiment":"neutral","sentiment_score":0.13315984948227802}],"sentiment":"neutral","sentiment_score":0.15838135033845901,"channel":0,"num_words":41,"start":27.255001,"end":36.19},{"sentences":[{"text":"Sure.","start":36.69,"end":37.17,"sentiment":"neutral","sentiment_score":0.04630941525101662},{"text":"That's Jason Roman Lee.","start":37.17,"end":39.01,"sentiment":"neutral","sentiment_score":0.022138793021440506},{"text":"Fourteenth of the tenth seventy one.","start":39.01,"end":40.53,"sentiment":"neutral","sentiment_score":0.029517578271528084},{"text":"Five Renison","start":40.53,"end":41.27,"sentiment":"neutral","sentiment_score":0.024491560645401478}],"sentiment":"neutral","sentiment_score":0.027765629096673086,"channel":1,"num_words":13,"start":36.69,"end":41.27},{"sentences":[{"text":"Yeah.","start":41.21,"end":41.71,"sentiment":"neutral","sentiment_score":0.030417583882808685}],"sentiment":"neutral","sentiment_score":0.030417583882808685,"channel":0,"num_words":1,"start":41.21,"end":41.71},{"sentences":[{"text":"Drive, Potonic","start":41.329998,"end":42.245,"sentiment":"neutral","sentiment_score":0.07192353811115026}],"sentiment":"neutral","sentiment_score":0.07192353811115026,"channel":1,"num_words":2,"start":41.329998,"end":42.245},{"sentences":[{"text":"Beautiful.","start":43.275,"end":43.755,"sentiment":"neutral","sentiment_score":0.1910442411899567},{"text":"Thank you so much for that.","start":43.755,"end":45.215,"sentiment":"positive","sentiment_score":0.5413103004296621},{"text":"Correct me if I'm wrong, Jason.","start":45.595,"end":46.555,"sentiment":"neutral","sentiment_score":-0.04538851728041967},{"text":"I just had a bit of a look at the file prior to the call, and I know you've completed your","start":46.555,"end":49.755,"sentiment":"neutral","sentiment_score":-0.0383411541780723}],"sentiment":"neutral","sentiment_score":0.06945325595134978,"channel":0,"num_words":34,"start":43.275,"end":49.755},{"sentences":[{"text":"Ridge.","start":49.5975,"end":50.0975,"sentiment":"neutral","sentiment_score":0.02661805972456932}],"sentiment":"neutral","sentiment_score":0.02661805972456932,"channel":1,"num_words":1,"start":49.5975,"end":50.0975},{"sentences":[{"text":"annual review of my colleague, Michelle.","start":49.755,"end":51.615,"sentiment":"neutral","sentiment_score":0.014238501898944378},{"text":"It may mention here that you wanted to have a bit of a chat about the portfolio.","start":52.075,"end":54.88,"sentiment":"neutral","sentiment_score":-0.03154154877890559},{"text":"It's obviously not performed as well as it has in previous years.","start":54.88,"end":58.16,"sentiment":"neutral","sentiment_score":-0.19648388649026552},{"text":"So I just wanted to sort of maybe get a bit of a catch up there and have a look at what we can do to maybe alter that.","start":58.16,"end":63.120003,"sentiment":"neutral","sentiment_score":-0.05129662991083901},{"text":"Is that right, or is there anything that might be missing from that at all?","start":63.120003,"end":66.255,"sentiment":"neutral","sentiment_score":-0.11693266456325849}],"sentiment":"neutral","sentiment_score":-0.07658448343790031,"channel":0,"num_words":79,"start":49.755,"end":66.255},{"sentences":[{"text":"Yeah.","start":66.57,"end":66.81,"sentiment":"neutral","sentiment_score":-0.06935742497444153},{"text":"No.","start":66.81,"end":67.13,"sentiment":"neutral","sentiment_score":-0.1871861517429352},{"text":"I just asked her if, like, I'm I just told her my situation that, you know, I'm in a bit of a higher risk plan because","start":67.13,"end":73.995,"sentiment":"neutral","sentiment_score":-0.2038045244721266}],"sentiment":"neutral","sentiment_score":-0.19840932903545244,"channel":1,"num_words":28,"start":66.57,"end":73.995},{"sentences":[{"text":"Yeah.","start":74.015,"end":74.515,"sentiment":"neutral","sentiment_score":-0.0738125741481781}],"sentiment":"neutral","sentiment_score":-0.0738125741481781,"channel":0,"num_words":1,"start":74.015,"end":74.515},{"sentences":[{"text":"and I'll I'll look at probably minimizing the risk, 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to access it, but it's still","start":79.435005,"end":81.755005,"sentiment":"neutral","sentiment_score":-0.06161218136548996}],"sentiment":"neutral","sentiment_score":-0.06161218136548996,"channel":1,"num_words":7,"start":79.435005,"end":81.755005},{"sentences":[{"text":"Yeah.","start":81.729996,"end":82.229996,"sentiment":"neutral","sentiment_score":-0.1021336019039154}],"sentiment":"neutral","sentiment_score":-0.1021336019039154,"channel":0,"num_words":1,"start":81.729996,"end":82.229996},{"sentences":[{"text":"a fair way off.","start":81.755005,"end":82.475006,"sentiment":"neutral","sentiment_score":-0.29279471933841705},{"text":"And is there other options that we could look at to I mean, obviously, with the market at the moment and trying to recover from COVID as well as all the unsettlement that's going on in the world at the moment, I can understand why the return isn't where we want it.","start":82.475006,"end":97.75,"sentiment":"neutral","sentiment_score":-0.06104025799924365},{"text":"But can we can we do something to look at maybe increasing that?","start":97.75,"end":101.795,"sentiment":"neutral","sentiment_score":-0.0010913404134603648}],"sentiment":"neutral","sentiment_score":-0.06318057563317858,"channel":1,"num_words":69,"start":81.755005,"end":101.795},{"sentences":[{"text":"Yeah.","start":102.064995,"end":102.384995,"sentiment":"neutral","sentiment_score":0.2556387782096863},{"text":"We absolutely can.","start":102.384995,"end":103.66499,"sentiment":"positive","sentiment_score":0.36934945980707806},{"text":"So one of the things I know, do go back and have a really good look at sort of where you've been from when you came on board to now.","start":103.66499,"end":109.26,"sentiment":"neutral","sentiment_score":0.21164199958244959},{"text":"Having a look and I one of the things I do like to look at is obviously not just a portfolio over the last twelve months, but what it did over the course of last year.","start":110.04,"end":117.08,"sentiment":"neutral","sentiment_score":0.13325824681669474},{"text":"So I can see here in 2024, my colleague Veronica did provide the advice to move you into hub twenty four.","start":117.08,"end":122.725,"sentiment":"neutral","sentiment_score":0.17901589650483357}],"sentiment":"neutral","sentiment_score":0.17878656985831784,"channel":0,"num_words":91,"start":102.064995,"end":122.725},{"sentences":[{"text":"So you were kinda going through that implementation process again there and moving the money around.","start":122.725,"end":127.064995,"sentiment":"neutral","sentiment_score":0.24062253441661596},{"text":"From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see.","start":127.924995,"end":138.43,"sentiment":"positive","sentiment_score":0.6344057987133662},{"text":"Unfortunately, from sort of early November to December, Bennelong, your Australian equities component in there, one of the underlying investments had been a bit dishonest to the market that had kinda come out in late November, early December time frame, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which has, unfortunately, meant that everyone's gone back and reevaluated Bennelong as well.","start":138.43,"end":163.445,"sentiment":"negative","sentiment_score":-0.4393880648025568},{"text":"So that is essentially the component of your portfolio that has is dragging the rest of the returns down.","start":163.445,"end":168.905,"sentiment":"negative","sentiment_score":-0.35080083577256455},{"text":"Otherwise, everything else there has been performing quite well.","start":169.17,"end":172.31,"sentiment":"neutral","sentiment_score":0.1075086063808865}],"sentiment":"neutral","sentiment_score":-0.0918411215493729,"channel":0,"num_words":143,"start":122.725,"end":172.31},{"sentences":[{"text":"The idea of having BANELON in your portfolio was it was giving you a bit of active management.","start":173.01,"end":177.89,"sentiment":"neutral","sentiment_score":0.03067744854423735},{"text":"So one of the things is they are they wanna buy and sell in line with what's happening in the market, but, unfortunately, even they couldn't predict what was the you know, what sort of happened last year with corporate traveler there.","start":177.89,"end":188.865,"sentiment":"neutral","sentiment_score":-0.150630699648034},{"text":"What we are sort of wanting to do, and that's what, you know, our investment committee have been sort of looking at over since we came back after Christmas.","start":189.32501,"end":195.90001,"sentiment":"neutral","sentiment_score":-0.09929174184799194},{"text":"There is what to do in this sort of scenario, so whether we remove Van Alung as a whole.","start":195.90001,"end":199.84001,"sentiment":"neutral","sentiment_score":0.0031905401203977434},{"text":"And they have actually come back saying they do wanna remove Van Alung.","start":200.14,"end":203.18001,"sentiment":"neutral","sentiment_score":0.009830808338637535}],"sentiment":"neutral","sentiment_score":-0.06996144672994278,"channel":0,"num_words":121,"start":173.01,"end":203.18001},{"sentences":[{"text":"So we can look at a couple of different things for you.","start":203.18001,"end":206.46,"sentiment":"neutral","sentiment_score":0.04463180744399627},{"text":"We can look at just swapping out Van Alung and putting something else in its place.","start":206.46,"end":210.255,"sentiment":"neutral","sentiment_score":0.04227469745092094},{"text":"Or if you're comfortable with me 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investment committee, along with utilizing BlackRock's investment firm, we've actually developed what's called an SMA or a separately managed account.","start":230.47,"end":245.14499,"sentiment":"neutral","sentiment_score":0.2550686603784561},{"text":"If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product.","start":245.20499,"end":255.84,"sentiment":"neutral","sentiment_score":0.15909975032145912},{"text":"Inside that SMA product, we actually have anywhere from 20 to 50 different investment options.","start":256.54,"end":261.52,"sentiment":"neutral","sentiment_score":0.16290783683458965},{"text":"And the benefit to having this kind of an SMA is that whilst you lose a little bit of visibility on the investments in your super fund there, it actually means that when funds are underperforming like what Fenelon has, instead of updating the advice to reflect and change one investment, our investment committee along with BlackRock's investment team can actually go in there and make those changes for you so we don't we can make them a lot faster.","start":261.66,"end":285.1,"sentiment":"neutral","sentiment_score":0.33208371289074423}],"sentiment":"neutral","sentiment_score":0.2617515641279885,"channel":0,"num_words":183,"start":229.75,"end":285.1},{"sentences":[{"text":"Is that something you would like me to have a look at for 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there.","start":298.695,"end":302.45502,"sentiment":"neutral","sentiment_score":0.2871104915936788},{"text":"It's just, essentially, last year was a very volatile year.","start":302.45502,"end":305.49503,"sentiment":"negative","sentiment_score":-0.4036773398518562},{"text":"I actually","start":305.49503,"end":305.975,"sentiment":"neutral","sentiment_score":-0.07184601947665215}],"sentiment":"neutral","sentiment_score":0.002203600747244699,"channel":0,"num_words":28,"start":298.295,"end":305.975},{"sentences":[{"text":"Okay.","start":305.69498,"end":306.19498,"sentiment":"neutral","sentiment_score":0.08880989998579025}],"sentiment":"neutral","sentiment_score":0.08880989998579025,"channel":1,"num_words":1,"start":305.69498,"end":306.19498},{"sentences":[{"text":"opened up your hub '24 and had a really good look at where things were.","start":305.975,"end":309.67502,"sentiment":"neutral","sentiment_score":0.31123270392417907},{"text":"When I go back so sorry.","start":310.28,"end":312.38,"sentiment":"neutral","sentiment_score":0.003143204376101494},{"text":"I'm just going back to your investments here because I know that advice was provided around about the 2024 there.","start":313.32,"end":321.32,"sentiment":"neutral","sentiment_score":0.03729330732021481},{"text":"So early last year, we were kinda going through the implementation process.","start":321.32,"end":324.62,"sentiment":"neutral","sentiment_score":0.17961727268993855},{"text":"When I have a look at what's happened with your portfolio as a whole, it was actually quite positive at the start of last year.","start":324.965,"end":332.965,"sentiment":"positive","sentiment_score":0.5573193979263306}],"sentiment":"neutral","sentiment_score":0.27591805323027074,"channel":0,"num_words":78,"start":305.975,"end":332.965},{"sentences":[{"text":"So looking forward from, say, January all the way up until around about February 14, you're you were actually up quite significantly, and your 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is actually down by about 20% at the moment,","start":407.97,"end":412.07,"sentiment":"neutral","sentiment_score":-0.29523205012083054}],"sentiment":"neutral","sentiment_score":0.0056974478454018635,"channel":0,"num_words":96,"start":387.315,"end":412.07},{"sentences":[{"text":"Couch.","start":412.475,"end":412.975,"sentiment":"neutral","sentiment_score":-0.19081346690654755}],"sentiment":"neutral","sentiment_score":-0.19081346690654755,"channel":1,"num_words":1,"start":412.475,"end":412.975},{"sentences":[{"text":"and that's sort of why yeah.","start":412.585,"end":414.345,"sentiment":"neutral","sentiment_score":-0.16549775004386902},{"text":"So that's why your portfolio is only sort of seeing about a three to 4% return.","start":414.345,"end":418.685,"sentiment":"neutral","sentiment_score":-0.1073021360207349},{"text":"So","start":418.825,"end":419.325,"sentiment":"neutral","sentiment_score":-0.028708763420581818}],"sentiment":"neutral","sentiment_score":-0.11906649739198062,"channel":0,"num_words":23,"start":412.585,"end":419.325},{"sentences":[{"text":"Okay.","start":419.37,"end":419.87,"sentiment":"neutral","sentiment_score":-0.040846724063158035}],"sentiment":"neutral","sentiment_score":-0.040846724063158035,"channel":1,"num_words":1,"start":419.37,"end":419.87},{"sentences":[{"text":"it has had quite a significant quite a significant pullback on your portfolio, and that is the majority of why your returns are down.","start":419.625,"end":427.92,"sentiment":"negative","sentiment_score":-0.46186354756355286},{"text":"Benelong is also quite a significant part of your portfolio.","start":428.24002,"end":431.7,"sentiment":"neutral","sentiment_score":0.06857695318758487},{"text":"I went back and had a really good look.","start":432.16,"end":433.68002,"sentiment":"positive","sentiment_score":0.5501704414685568},{"text":"And the benefit to you getting that advice from Veronica in 2024 was that in your first advice document, that was, sorry, back in 2022 or 2020, I think it was.","start":433.68002,"end":444.875,"sentiment":"neutral","sentiment_score":0.18037335268191754},{"text":"I'm so sorry.","start":444.875,"end":445.51498,"sentiment":"neutral","sentiment_score":-0.1350980723897616}],"sentiment":"neutral","sentiment_score":-0.0033914535124967625,"channel":0,"num_words":77,"start":419.625,"end":445.51498},{"sentences":[{"text":"I'm just pulling it up now.","start":445.51498,"end":447.135,"sentiment":"neutral","sentiment_score":-0.0941544957458973},{"text":"Yeah.","start":450.315,"end":450.635,"sentiment":"neutral","sentiment_score":0.021634427830576897},{"text":"So your original advice document, you had about 40 invested in Banner 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system","start":505.375,"end":506.335,"sentiment":"neutral","sentiment_score":0.0006908547754089037}],"sentiment":"neutral","sentiment_score":0.0006908547754089037,"channel":0,"num_words":3,"start":505.375,"end":506.335},{"sentences":[{"text":"Yep.","start":506.135,"end":506.635,"sentiment":"neutral","sentiment_score":0.01081409677863121}],"sentiment":"neutral","sentiment_score":0.01081409677863121,"channel":1,"num_words":1,"start":506.135,"end":506.635},{"sentences":[{"text":"to load.","start":506.335,"end":506.655,"sentiment":"neutral","sentiment_score":0.005811482202261686},{"text":"I do apologize.","start":506.655,"end":507.475,"sentiment":"neutral","sentiment_score":-0.05526414761940638},{"text":"Computers are a bit sickle.","start":507.535,"end":508.835,"sentiment":"neutral","sentiment_score":-0.2018508344888687},{"text":"But 2020 was your first document.","start":509.29498,"end":510.97498,"sentiment":"neutral","sentiment_score":-0.01689246545235316},{"text":"It was September 2020.","start":510.97498,"end":512.735,"sentiment":"neutral","sentiment_score":-0.013338784221559763}],"sentiment":"neutral","sentiment_score":-0.06590667902491987,"channel":0,"num_words":20,"start":506.335,"end":512.735},{"sentences":[{"text":"That was basically when COVID was sort of in place there.","start":512.735,"end":515.88,"sentiment":"neutral","sentiment_score":-0.04025483791801063}],"sentiment":"neutral","sentiment_score":-0.04025483791801063,"channel":0,"num_words":11,"start":512.735,"end":515.88},{"sentences":[{"text":"Yep.","start":515.655,"end":515.815,"sentiment":"neutral","sentiment_score":0.02546033263206482},{"text":"Yeah.","start":515.815,"end":516.295,"sentiment":"neutral","sentiment_score":0.03484511747956276}],"sentiment":"neutral","sentiment_score":0.03015272505581379,"channel":1,"num_words":2,"start":515.655,"end":516.295},{"sentences":[{"text":"And 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extent.","start":525.96,"end":530.055,"sentiment":"neutral","sentiment_score":0.07988859562291986},{"text":"So because it is down, you have seen a little bit of a drop there.","start":530.055,"end":533.275,"sentiment":"neutral","sentiment_score":-0.2590977268914382},{"text":"In saying that, when I also had a quick look, your when you did the annual review of Michelle, that she noticed the balance in your account was about a hun 264,128.","start":533.415,"end":544.535,"sentiment":"neutral","sentiment_score":0.00972898630425334}],"sentiment":"neutral","sentiment_score":-0.018406196126660095,"channel":0,"num_words":103,"start":516.44,"end":544.535},{"sentences":[{"text":"So from there to now, you're at 266,000.","start":544.535,"end":548.39996,"sentiment":"neutral","sentiment_score":0.06554657639935613},{"text":"So your portfolio has seen a bit of an increase over the last week or so, which is good to 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to our advantage.","start":554.24,"end":558.32,"sentiment":"neutral","sentiment_score":0.21862318882575402},{"text":"So while Bennelong has had, sorry, a bit of a a dip in your portfolio and is down significantly, cementing some of those losses to your portfolio, if we move you into the SMA, can actually offset some of the capital gains by us moving some of the other investments there.","start":558.32,"end":572.615,"sentiment":"neutral","sentiment_score":-0.053487605177888684},{"text":"So if you're comfortable with us doing that, I can go back.","start":572.615,"end":575.82,"sentiment":"neutral","sentiment_score":0.0853301677852869},{"text":"I can do the research against the estimate to see if it's appropriate for you in helping you to meet your goals, but also just assess whether maybe moving one or two investments might suit you as well, look at how we can minimize the CGT consequences of your super, but also look at how this might help you moving forward towards meeting your retirement goals.","start":575.82,"end":593.955,"sentiment":"neutral","sentiment_score":0.23380449053012964},{"text":"Would that be something you'd be comfortable with?","start":593.955,"end":596.375,"sentiment":"neutral","sentiment_score":0.10495152371004224}],"sentiment":"neutral","sentiment_score":0.11605936112503211,"channel":0,"num_words":150,"start":554.24,"end":596.375},{"sentences":[{"text":"Yeah.","start":595.965,"end":596.445,"sentiment":"neutral","sentiment_score":0.03060426004230976},{"text":"Yeah.","start":596.445,"end":596.945,"sentiment":"neutral","sentiment_score":0.06043373420834541}],"sentiment":"neutral","sentiment_score":0.04551899712532759,"channel":1,"num_words":2,"start":595.965,"end":596.945},{"sentences":[{"text":"Yeah.","start":597.075,"end":597.575,"sentiment":"neutral","sentiment_score":0.14321230351924896},{"text":"Beautiful.","start":598.03503,"end":598.515,"sentiment":"positive","sentiment_score":0.35222670435905457}],"sentiment":"neutral","sentiment_score":0.24771950393915176,"channel":0,"num_words":2,"start":597.075,"end":598.515},{"sentences":[{"text":"Because I've already","start":598.20996,"end":598.69,"sentiment":"neutral","sentiment_score":0.04193980782292783}],"sentiment":"neutral","sentiment_score":0.04193980782292783,"channel":1,"num_words":3,"start":598.20996,"end":598.69},{"sentences":[{"text":"You","start":598.515,"end":599.015,"sentiment":"neutral","sentiment_score":-0.07350865006446838}],"sentiment":"neutral","sentiment_score":-0.07350865006446838,"channel":0,"num_words":1,"start":598.515,"end":599.015},{"sentences":[{"text":"taken out I took a big hit on the super from having to give a big chunk of it 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what","start":605.73,"end":606.61,"sentiment":"neutral","sentiment_score":-0.17095143099625906}],"sentiment":"neutral","sentiment_score":-0.17800968140363693,"channel":1,"num_words":7,"start":604.13,"end":606.61},{"sentences":[{"text":"I'm","start":606.51,"end":607.01,"sentiment":"neutral","sentiment_score":-0.20957951247692108}],"sentiment":"neutral","sentiment_score":-0.20957951247692108,"channel":0,"num_words":1,"start":606.51,"end":607.01},{"sentences":[{"text":"to 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I","start":611.145,"end":614.745,"sentiment":"neutral","sentiment_score":-0.11813064129091799}],"sentiment":"neutral","sentiment_score":-0.11813064129091799,"channel":1,"num_words":16,"start":611.145,"end":614.745},{"sentences":[{"text":"Yes.","start":614.735,"end":615.235,"sentiment":"neutral","sentiment_score":0.023599281907081604}],"sentiment":"neutral","sentiment_score":0.023599281907081604,"channel":0,"num_words":1,"start":614.735,"end":615.235},{"sentences":[{"text":"mean.","start":614.745,"end":615.245,"sentiment":"neutral","sentiment_score":0.046134259551763535}],"sentiment":"neutral","sentiment_score":0.046134259551763535,"channel":1,"num_words":1,"start":614.745,"end":615.245},{"sentences":[{"text":"Absolutely.","start":615.53503,"end":616.03503,"sentiment":"neutral","sentiment_score":0.22899138927459717},{"text":"Most definitely.","start":616.575,"end":617.475,"sentiment":"neutral","sentiment_score":0.24874868988990784},{"text":"One of the other things you may have mentioned 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through.","start":662.37,"end":665.49,"sentiment":"neutral","sentiment_score":0.08497860183318456},{"text":"Okay?","start":665.49,"end":665.99,"sentiment":"neutral","sentiment_score":0.0459437221288681}],"sentiment":"neutral","sentiment_score":0.12825995380127872,"channel":0,"num_words":27,"start":659.97,"end":665.99},{"sentences":[{"text":"Okay.","start":665.695,"end":666.195,"sentiment":"neutral","sentiment_score":0.07204198837280273},{"text":"Yep.","start":666.335,"end":666.835,"sentiment":"neutral","sentiment_score":0.14325182139873505}],"sentiment":"neutral","sentiment_score":0.10764690488576889,"channel":1,"num_words":2,"start":665.695,"end":666.835},{"sentences":[{"text":"Beautiful.","start":667.02496,"end":667.52496,"sentiment":"positive","sentiment_score":0.40753480792045593},{"text":"The first one here is have you ever owned direct shares in your own name before?","start":668.14496,"end":671.76495,"sentiment":"neutral","sentiment_score":0.058405467541888356}],"sentiment":"neutral","sentiment_score":0.07894248756415703,"channel":0,"num_words":17,"start":667.02496,"end":671.76495},{"sentences":[{"text":"Have I ever owned water?","start":672.95,"end":674.25,"sentiment":"neutral","sentiment_score":0.00950163658708334}],"sentiment":"neutral","sentiment_score":0.00950163658708334,"channel":1,"num_words":5,"start":672.95,"end":674.25},{"sentences":[{"text":"Direct shares in your own name?","start":674.625,"end":676.485,"sentiment":"neutral","sentiment_score":0.010153810183207193},{"text":"You have?","start":678.225,"end":678.785,"sentiment":"neutral","sentiment_score":0.006495890207588673},{"text":"Yep.","start":678.785,"end":679.02496,"sentiment":"neutral","sentiment_score":0.012955090031027794},{"text":"Do you still own any of those at all?","start":679.02496,"end":681.20496,"sentiment":"neutral","sentiment_score":0.0002555627789762287}],"sentiment":"neutral","sentiment_score":0.004953877586457465,"channel":0,"num_words":18,"start":674.625,"end":681.20496},{"sentences":[{"text":"Yes.","start":680.71,"end":681.21,"sentiment":"neutral","sentiment_score":0.003293026238679886},{"text":"No.","start":681.27,"end":681.77,"sentiment":"neutral","sentiment_score":-0.08889291435480118}],"sentiment":"neutral","sentiment_score":-0.042799944058060646,"channel":1,"num_words":2,"start":680.71,"end":681.77},{"sentences":[{"text":"Nope.","start":682.37,"end":682.69,"sentiment":"neutral","sentiment_score":-0.10708333551883698},{"text":"That's okay.","start":682.69,"end":683.51,"sentiment":"neutral","sentiment_score":-0.05757371708750725},{"text":"Mhmm.","start":683.57,"end":684.07,"sentiment":"neutral","sentiment_score":-0.017747584730386734},{"text":"All 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active.","start":713.24,"end":715.16,"sentiment":"neutral","sentiment_score":0.0501069575548172}],"sentiment":"neutral","sentiment_score":-0.10469109922647477,"channel":1,"num_words":25,"start":707.72,"end":715.16},{"sentences":[{"text":"Yeah.","start":714.86005,"end":715.36005,"sentiment":"neutral","sentiment_score":-0.04965663701295853}],"sentiment":"neutral","sentiment_score":-0.04965663701295853,"channel":0,"num_words":1,"start":714.86005,"end":715.36005},{"sentences":[{"text":"And I know plenty of people who are in their seventies, and they're not certainly not working because they need the money.","start":715.16,"end":720.135,"sentiment":"neutral","sentiment_score":-0.10004374435679479},{"text":"They just work because they don't wanna fade 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high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly.","start":842.92505,"end":852.62,"sentiment":"neutral","sentiment_score":-0.07669379168323108},{"text":"I mean, even now, we are looking to reduce the risk a little bit, but you're still seeing a positive return out of your entire portfolio for the twelve months.","start":853.08,"end":860.72504,"sentiment":"neutral","sentiment_score":0.27802335694432256},{"text":"I would hate to be cementing losses at a time where your portfolio might be seeing, you know, COVID like event again or something like that because we do know those events will occur in the future.","start":861.025,"end":870.24506,"sentiment":"negative","sentiment_score":-0.416420228980683},{"text":"We don't know when they're gonna occur.","start":870.30505,"end":872.005,"sentiment":"neutral","sentiment_score":-0.3225483638899667},{"text":"And the idea of reducing the risk is that we're minimizing the risk of those events having a larger effect on your portfolio.","start":872.25995,"end":878.44,"sentiment":"neutral","sentiment_score":-0.22742630913853645}],"sentiment":"neutral","sentiment_score":-0.13060434947185445,"channel":0,"num_words":132,"start":842.92505,"end":878.44},{"sentences":[{"text":"Does that 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inflation?","start":884.74,"end":890.315,"sentiment":"neutral","sentiment_score":0.02516091386180209}],"sentiment":"neutral","sentiment_score":0.07879180295447655,"channel":0,"num_words":34,"start":880.01996,"end":890.315},{"sentences":[{"text":"Do you think you're comfortable taking on the highest level of risk that to get the best returns you possibly can?","start":890.695,"end":895.655,"sentiment":"neutral","sentiment_score":-0.022795907443477995},{"text":"You're a bit more of a gambler.","start":895.655,"end":896.875,"sentiment":"neutral","sentiment_score":-0.25378935039043427},{"text":"Option number two says you still want a higher level of risk for good returns, but probably more calculated risk.","start":897.27,"end":903.05005,"sentiment":"neutral","sentiment_score":-0.05858209356665611},{"text":"Option number three says you wanna take on a moderate or medium amount of risk to get the best returns you 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I","start":916.32,"end":916.56,"sentiment":"neutral","sentiment_score":0.11771180853247643}],"sentiment":"neutral","sentiment_score":0.11771180853247643,"channel":1,"num_words":2,"start":916.32,"end":916.56},{"sentences":[{"text":"Beautiful.","start":916.555,"end":917.055,"sentiment":"neutral","sentiment_score":0.3102986812591553}],"sentiment":"neutral","sentiment_score":0.3102986812591553,"channel":0,"num_words":1,"start":916.555,"end":917.055},{"sentences":[{"text":"don't I don't ever take risk without 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term.","start":959.12,"end":964.455,"sentiment":"neutral","sentiment_score":0.24768750979141754},{"text":"Am I right?","start":964.455,"end":964.695,"sentiment":"neutral","sentiment_score":0.21562914550304413},{"text":"You're looking for the highest return you can possibly get?","start":964.695,"end":967.275,"sentiment":"neutral","sentiment_score":0.17735362723469733}],"sentiment":"neutral","sentiment_score":0.23448283163209757,"channel":0,"num_words":36,"start":957.84,"end":967.275},{"sentences":[{"text":"Yeah.","start":968.37,"end":968.61,"sentiment":"neutral","sentiment_score":0.04433573782444},{"text":"I I was looking for around 10%, but around 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would you or have you ever looked at your super and seen it fall in value?","start":975.575,"end":980.84,"sentiment":"neutral","sentiment_score":-0.078062649294734},{"text":"Because we know this will happen again in the future to you know, with external market factors and the volatility that we experience in the next ten years.","start":980.84,"end":987.82,"sentiment":"neutral","sentiment_score":-0.12304613127240113},{"text":"How might how might you feel if you saw your super fall in value?","start":987.96,"end":991.5,"sentiment":"neutral","sentiment_score":-0.10616055689752102}],"sentiment":"neutral","sentiment_score":-0.09331387475665126,"channel":0,"num_words":70,"start":973.97504,"end":991.5},{"sentences":[{"text":"Are you wanting to put more money into it?","start":991.855,"end":993.935,"sentiment":"neutral","sentiment_score":-0.10027976830800374},{"text":"Are you a bit cautious?","start":993.935,"end":995.155,"sentiment":"neutral","sentiment_score":-0.13214142322540284},{"text":"Are you concerned, or are you feeling very anxious?","start":995.295,"end":997.715,"sentiment":"neutral","sentiment_score":-0.1829184823566013}],"sentiment":"neutral","sentiment_score":-0.13954310313515042,"channel":0,"num_words":23,"start":991.855,"end":997.715},{"sentences":[{"text":"No.","start":999.32,"end":999.8,"sentiment":"neutral","sentiment_score":-0.23747071623802185},{"text":"I'm not feeling any of those things.","start":999.8,"end":1001.89996,"sentiment":"neutral","sentiment_score":-0.2676244633538382}],"sentiment":"neutral","sentiment_score":-0.2638552449643612,"channel":1,"num_words":8,"start":999.32,"end":1001.89996},{"sentences":[{"text":"That's okay.","start":1002.495,"end":1003.315,"sentiment":"neutral","sentiment_score":-0.05012747552245855}],"sentiment":"neutral","sentiment_score":-0.05012747552245855,"channel":0,"num_words":2,"start":1002.495,"end":1003.315},{"sentences":[{"text":"When I say look.","start":1003.29504,"end":1004.815,"sentiment":"neutral","sentiment_score":-0.049050675705075264},{"text":"It's I see it falling value, but it it always has a always makes a margin on at the end of the day because it goes up and down like you said, but","start":1004.815,"end":1013.395,"sentiment":"neutral","sentiment_score":-0.0742729331056277}],"sentiment":"neutral","sentiment_score":-0.07154620257583824,"channel":1,"num_words":37,"start":1003.29504,"end":1013.395},{"sentences":[{"text":"Yeah.","start":1013.45996,"end":1013.95996,"sentiment":"neutral","sentiment_score":-0.10596677660942078}],"sentiment":"neutral","sentiment_score":-0.10596677660942078,"channel":0,"num_words":1,"start":1013.45996,"end":1013.95996},{"sentences":[{"text":"I don't get anxious.","start":1013.53503,"end":1014.335,"sentiment":"neutral","sentiment_score":-0.24695874005556107},{"text":"I suppose as I get closer to the retirement age, I might get anxious.","start":1014.335,"end":1018.275,"sentiment":"neutral","sentiment_score":-0.21827278286218643}],"sentiment":"neutral","sentiment_score":-0.22464744001626968,"channel":1,"num_words":18,"start":1013.53503,"end":1018.275},{"sentences":[{"text":"Yep.","start":1018.595,"end":1018.915,"sentiment":"neutral","sentiment_score":-0.05076272413134575},{"text":"Do you feel a bit cautious?","start":1018.915,"end":1020.195,"sentiment":"neutral","sentiment_score":-0.1336452141404152},{"text":"You probably wanna know what what's happening, why it's happening.","start":1020.195,"end":1023.095,"sentiment":"neutral","sentiment_score":-0.155234881490469},{"text":"You know?","start":1023.395,"end":1024.0549,"sentiment":"neutral","sentiment_score":-0.0744682177901268}],"sentiment":"neutral","sentiment_score":-0.13441680312940948,"channel":0,"num_words":19,"start":1018.595,"end":1024.0549},{"sentences":[{"text":"Like, you're always cautious.","start":1024.4501,"end":1025.41,"sentiment":"neutral","sentiment_score":-0.09508011676371098},{"text":"Like, that's why we're having this phone","start":1025.41,"end":1027.11,"sentiment":"neutral","sentiment_score":-0.06425169323171888}],"sentiment":"neutral","sentiment_score":-0.0754620290615342,"channel":1,"num_words":11,"start":1024.4501,"end":1027.11},{"sentences":[{"text":"Yeah.","start":1026.675,"end":1027.175,"sentiment":"neutral","sentiment_score":-0.022607743740081787}],"sentiment":"neutral","sentiment_score":-0.022607743740081787,"channel":0,"num_words":1,"start":1026.675,"end":1027.175},{"sentences":[{"text":"call","start":1027.49,"end":1027.89,"sentiment":"neutral","sentiment_score":-0.024109642952680588}],"sentiment":"neutral","sentiment_score":-0.024109642952680588,"channel":1,"num_words":1,"start":1027.49,"end":1027.89},{"sentences":[{"text":"Yeah.","start":1027.5549,"end":1027.955,"sentiment":"neutral","sentiment_score":-0.009725193493068218}],"sentiment":"neutral","sentiment_score":-0.009725193493068218,"channel":0,"num_words":1,"start":1027.5549,"end":1027.955},{"sentences":[{"text":"because","start":1027.89,"end":1028.2101,"sentiment":"neutral","sentiment_score":-0.010257035493850708}],"sentiment":"neutral","sentiment_score":-0.010257035493850708,"channel":1,"num_words":1,"start":1027.89,"end":1028.2101},{"sentences":[{"text":"Absolutely.","start":1027.955,"end":1028.455,"sentiment":"neutral","sentiment_score":-0.004470787942409515}],"sentiment":"neutral","sentiment_score":-0.004470787942409515,"channel":0,"num_words":1,"start":1027.955,"end":1028.455},{"sentences":[{"text":"I was cautious","start":1028.2101,"end":1028.93,"sentiment":"neutral","sentiment_score":-0.06918948392073314}],"sentiment":"neutral","sentiment_score":-0.06918948392073314,"channel":1,"num_words":3,"start":1028.2101,"end":1028.93},{"sentences":[{"text":"Yeah.","start":1028.835,"end":1029.335,"sentiment":"neutral","sentiment_score":-0.025443730875849724}],"sentiment":"neutral","sentiment_score":-0.025443730875849724,"channel":0,"num_words":1,"start":1028.835,"end":1029.335},{"sentences":[{"text":"about the 3%.","start":1028.93,"end":1029.91,"sentiment":"neutral","sentiment_score":-0.03709287693103155},{"text":"Yeah.","start":1031.345,"end":1031.845,"sentiment":"neutral","sentiment_score":-0.0003844331949949265},{"text":"Look.","start":1032.025,"end":1032.525,"sentiment":"neutral","sentiment_score":-0.00656182412058115},{"text":"Yeah.","start":1032.7051,"end":1032.9451,"sentiment":"neutral","sentiment_score":-0.01221415027976036},{"text":"Cautious, I guess.","start":1032.9451,"end":1033.745,"sentiment":"neutral","sentiment_score":-0.1277948891123136}],"sentiment":"neutral","sentiment_score":-0.05709152285837465,"channel":1,"num_words":9,"start":1028.93,"end":1033.745},{"sentences":[{"text":"Yeah.","start":1033.72,"end":1034.12,"sentiment":"neutral","sentiment_score":0.019684534519910812}],"sentiment":"neutral","sentiment_score":0.019684534519910812,"channel":0,"num_words":1,"start":1033.72,"end":1034.12},{"sentences":[{"text":"Yeah.","start":1033.745,"end":1034.245,"sentiment":"neutral","sentiment_score":0.07040642201900482}],"sentiment":"neutral","sentiment_score":0.07040642201900482,"channel":1,"num_words":1,"start":1033.745,"end":1034.245},{"sentences":[{"text":"Okay.","start":1034.12,"end":1034.62,"sentiment":"neutral","sentiment_score":0.22894710302352905},{"text":"Perfect.","start":1034.6799,"end":1035.1799,"sentiment":"positive","sentiment_score":0.5460637807846069},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is borrowing something you've only ever wanted to do for property?","start":1035.24,"end":1043.74,"sentiment":"neutral","sentiment_score":0.08935867550058497}],"sentiment":"neutral","sentiment_score":0.1050506105744525,"channel":0,"num_words":38,"start":1034.12,"end":1043.74},{"sentences":[{"text":"Yeah.","start":1044.385,"end":1044.625,"sentiment":"neutral","sentiment_score":-0.030100733041763306},{"text":"No.","start":1044.625,"end":1045.125,"sentiment":"neutral","sentiment_score":-0.14496107399463654},{"text":"I don't wanna borrow anything.","start":1045.505,"end":1046.805,"sentiment":"neutral","sentiment_score":-0.21178816854953766}],"sentiment":"neutral","sentiment_score":-0.1762860928262983,"channel":1,"num_words":7,"start":1044.385,"end":1046.805},{"sentences":[{"text":"No.","start":1047.485,"end":1047.805,"sentiment":"neutral","sentiment_score":-0.14301905035972595},{"text":"That's 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wanna borrow freedom to me is no debts.","start":1049.72,"end":1053.98,"sentiment":"neutral","sentiment_score":-0.05830676752057942}],"sentiment":"neutral","sentiment_score":-0.05830676752057942,"channel":1,"num_words":11,"start":1049.72,"end":1053.98},{"sentences":[{"text":"No.","start":1054.525,"end":1055.005,"sentiment":"neutral","sentiment_score":0.0711112916469574},{"text":"Perfect.","start":1055.005,"end":1055.505,"sentiment":"positive","sentiment_score":0.3737834095954895},{"text":"It's I've got a a goal here that you were hoping to maybe in the next few years get an investment property.","start":1055.5651,"end":1060.34,"sentiment":"neutral","sentiment_score":0.30401266433975915},{"text":"Is that still something you'd like to do moving forward,","start":1060.34,"end":1062.34,"sentiment":"neutral","sentiment_score":0.2031380295753479}],"sentiment":"neutral","sentiment_score":0.2695456944844302,"channel":0,"num_words":34,"start":1054.525,"end":1062.34},{"sentences":[{"text":"I'm","start":1062.135,"end":1062.635,"sentiment":"neutral","sentiment_score":0.06434908509254456}],"sentiment":"neutral","sentiment_score":0.06434908509254456,"channel":1,"num_words":1,"start":1062.135,"end":1062.635},{"sentences":[{"text":"or are you just focusing on your main primary residence?","start":1062.34,"end":1064.84,"sentiment":"neutral","sentiment_score":0.07812312915921212},{"text":"Or","start":1064.98,"end":1065.46,"sentiment":"neutral","sentiment_score":0.07199352979660034}],"sentiment":"neutral","sentiment_score":0.07756589285352013,"channel":0,"num_words":11,"start":1062.34,"end":1065.46},{"sentences":[{"text":"focusing on paying everything off here so 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know Hub twenty four you've just moved in.","start":1426.805,"end":1428.4851,"sentiment":"neutral","sentiment_score":0.19927951362397936},{"text":"It is a great platform.","start":1428.4851,"end":1429.4451,"sentiment":"positive","sentiment_score":0.5948680996894836},{"text":"There's nothing wrong with it.","start":1429.4451,"end":1430.405,"sentiment":"neutral","sentiment_score":0.32556228041648866},{"text":"But as part of my process, I do reevaluate the platform as well.","start":1430.405,"end":1433.525,"sentiment":"neutral","sentiment_score":0.17087463232187125},{"text":"It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as 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from Oku Financial call Jason to discuss his portfolio and options for reducing risk. They offer to record calls for training and quality purposes and suggest removing a specific investment option. The speaker discusses the negative impact of the market dip on the portfolio, but notes that the portfolio is still performing well. They also discuss reducing risk levels and reducing exposure to high growth investments and risk profiles. The speakers emphasize the importance of calculating risk levels and reducing risk levels for the long term. They also discuss the benefits of a loan and the importance of income protection and disability coverage through employer policies. The review process is ongoing and will be sent out soon."},"intents":{"segments":[{"text":"No.","start_word":266,"end_word":266,"intents":[{"intent":"Change portfolio and address risks","confidence_score":0.000004712032}]},{"text":"From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see.","start_word":493,"end_word":522,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.09294783}]},{"text":"If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product. 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Yeah.","start_word":1989,"end_word":2064,"intents":[{"intent":"Maximize retirement goals","confidence_score":0.0000042438382}]},{"text":"So you basically get access at the age of 65 regardless of whether you're working or do you think it'd be around about that 65 mark you'd be wanting to reduce your hours? Do you think it'd be before that time frame?","start_word":2606,"end_word":2647,"intents":[{"intent":"Reducing hours working time","confidence_score":4.8111116e-7}]},{"text":"So what I'll do is I'll make 65 the goal age there for you for us to work forward.","start_word":2729,"end_word":2747,"intents":[{"intent":"Making 65 the goal age","confidence_score":0.23184387}]},{"text":"Our job is to keep monitoring things and moving things as we do to as we get towards that goal, but then you don't have to retire. It's just giving you the option to stop working or access your stupid. We're not gonna, in Yeah. any way, shape, or form, force you to do so. Yeah.","start_word":2763,"end_word":2818,"intents":[{"intent":"Monitoring things","confidence_score":0.1691303}]},{"text":"I keep her in a Yeah. high risk portfolio until '60 Yep.","start_word":2824,"end_word":2835,"intents":[{"intent":"Maintaining portfolio","confidence_score":0.023985788}]},{"text":"Essentially, at the age of 65, if we are still in that high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly.","start_word":2948,"end_word":2982,"intents":[{"intent":"Analyze portfolio risks","confidence_score":0.016052311}]},{"text":"The next one here is about volatility, and it says, how would you feel in six months if you saw your portfolio fall by 20% due to external market factors? too.","start_word":3247,"end_word":3277,"intents":[{"intent":"Evaluate portfolio volatility","confidence_score":0.20850591}]},{"text":"So this is dropping you down just by 10% there, and then we're increasing those defensive investments by about 10% so we have more cash, bonds, and fixed interest in those areas. Yep.","start_word":3971,"end_word":4003,"intents":[{"intent":"Explaining investment strategy","confidence_score":0.00030238874},{"intent":"Explaining investment approach","confidence_score":0.0015419606},{"intent":"Discussing portfolio dynamics","confidence_score":0.003530283},{"intent":"Discussing future investments","confidence_score":0.0041812584},{"intent":"Discussing investment strategy","confidence_score":0.020864889}]},{"text":"With the growth investor, you're still taking on a fair amount of risk there. We do expect the likelihood of a negative return to be one in every five years. Yep.","start_word":4003,"end_word":4033,"intents":[{"intent":"Expressing concern about risk level","confidence_score":0.0034444162}]},{"text":"We do expect the likelihood of a negative return to be one in every five years. Yep.","start_word":4017,"end_word":4033,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.00073215156}]},{"text":"And with a high growth environment, we like you to be invested for eight years prior to accessing your super. Whereas with the growth portfolio, you can be in that up until about six years, you know, six years Yeah.","start_word":4034,"end_word":4073,"intents":[{"intent":"Recalling past investments","confidence_score":0.00039868985}]},{"text":"The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns. We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things.","start_word":4215,"end_word":4263,"intents":[{"intent":"Analyzing investment portfolios","confidence_score":0.000037931983}]},{"text":"The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns. We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things. However, our high growth environment or our high growth portfolio has, at times, performed worse than our growth portfolio and vice versa. So it just Yeah.","start_word":4215,"end_word":4289,"intents":[{"intent":"Comparing portfolio performance","confidence_score":0.020972872}]},{"text":"comes down to so many different factors when we are looking at it. It's about when contributions are going in. It's the different asset allocation, So I mean, different market performances like inflation, interest rates, economic growth, geopolitical factors. Yeah.","start_word":4290,"end_word":4329,"intents":[{"intent":"Expressing concern about market performance","confidence_score":0.00067067426},{"intent":"Discussing portfolio characteristics","confidence_score":0.005836566}]},{"text":"We could do a catch up in twelve months or even in six months to see where things are going, and then just maybe evaluate it then again. I can keep you at 90 sort of 10 split just for a little bit longer if you'd like to. You do have that ten year horizon, and we can certainly look if that helps for the year. How do you feel?","start_word":4400,"end_word":4469,"intents":[{"intent":"Assess growth outlook","confidence_score":0.0128514515}]},{"text":"I can look at both those options for you and let you know what we recommend as part of the advice. It'll have the advantages, disadvantages, and the risks involved so you get to take it all on board and then make a decision as to whether you wanna take the advice or not. Okay.","start_word":4739,"end_word":4793,"intents":[{"intent":"Review options","confidence_score":0.016272243}]},{"text":"We'll make, Bennett, contributions, but just not at this time, but I do plan on making Okay. contributions when I've got about ten years left, I suppose. So it's only about another five years. If I Okay.","start_word":4864,"end_word":4900,"intents":[{"intent":"Make contributions","confidence_score":0.682998}]},{"text":"It is a great platform. There's nothing wrong with it. But as part of my process, I do reevaluate the platform as well. It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as well. Okay? Mhmm.","start_word":5003,"end_word":5058,"intents":[{"intent":"Evaluate platform","confidence_score":0.58666855}]},{"text":"The insurances are also a really important part to sort of factor in as well. So at the moment, having a look at things, you've got your life cover only. It does certainly mean that in the event of passing, your life cover is paid out, but then also your super benefit is paid out to your beneficiaries there.","start_word":5063,"end_word":5121,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.015566842}]},{"text":"get a little bit frustrated from our people culture team that announced to the world that we've covered for this and covered for that, but I can't get the information to provide to you guys on who and what that is.","start_word":5387,"end_word":5427,"intents":[{"intent":"Get information","confidence_score":0.085387215}]},{"text":"Is there anything particular they need from us? Because I'm more than happy to go back to our team and, you know, we can get, like, a letter of authority drawn up and have it all signed and sent through to them. Is there anything particular they're requesting to get the information?","start_word":5431,"end_word":5482,"intents":[{"intent":"Find information","confidence_score":0.37267193}]},{"text":"I get a bit frustrated because, I like to try and manage it in house with them rather than go up Right.","start_word":5492,"end_word":5513,"intents":[{"intent":"Manage project","confidence_score":0.009527716}]},{"text":"send me an email that's a a Yep. certain, like, a formal request, and I can forward it to them for them to respond. You know? Okay. Yeah.","start_word":5751,"end_word":5778,"intents":[{"intent":"Send formal request","confidence_score":0.24904016}]},{"text":"I'll Yep. even get a head of advice to help me draw up something on a letterhead for you so it can be sent through to them via email. Makes it a little bit more official for you. Okay? Yeah.","start_word":5780,"end_word":5819,"intents":[{"intent":"Provide guidance","confidence_score":0.008358232}]},{"text":"Now the only other type of kinda cover that you would normally wanna be looking at would be something like trauma, which tends to pay out a lump sum benefit, tax free benefit too in the event of a major diagnosis, tends to be things like cancer, Parkinson's, neurological conditions are a big one as well. Trauma has to be paid out of your back pocket.","start_word":5838,"end_word":5903,"intents":[{"intent":"Explain policy options","confidence_score":0.0074616377}]},{"text":"We do have to just sort of clarify with you. Did you wanna look at any kind of trauma cover, or you're happy with the life cover and your employer policy paid? Yeah.","start_word":5904,"end_word":5936,"intents":[{"intent":"Clarify policy preferences","confidence_score":0.42443162},{"intent":"Clarify policy details","confidence_score":0.001860126},{"intent":"Clarify policy intention","confidence_score":0.0004113855}]},{"text":"It's just always really important to clarify those options. If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you. Okay?","start_word":6079,"end_word":6132,"intents":[{"intent":"Review investment options","confidence_score":0.24205327},{"intent":"Discuss benefit options","confidence_score":0.012461681}]},{"text":"It's just always really important to clarify those options. If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you. Okay? Okay.","start_word":6079,"end_word":6133,"intents":[{"intent":"Clarify options","confidence_score":0.55321777}]},{"text":"And you're happy with your beneficiary nominations there being your two kids. I can see they're binding, non lapsing as well, which is fantastic. One of the big things with the binding, non lapsing nomination is that it binds the trustee to follow the direction that you've made and non lapsing. So you don't have to fill out those beneficiary forms on a regular basis, which is a benefit for you as well.","start_word":6271,"end_word":6343,"intents":[{"intent":"Understand beneficiary nominations","confidence_score":0.013553061}]},{"text":"Perfect.","start_word":6390,"end_word":6390,"intents":[{"intent":"Sort out information","confidence_score":0.07072981}]},{"text":"I can see here that Michelle did speak to you about that. Did she send you the detail of our solicitor and the information pack there at all, or is that something you're doing through your solicitor you know? Or She did say that, but I haven't received it. But okay.","start_word":6391,"end_word":6441,"intents":[{"intent":"Send solicitor details","confidence_score":0.5962672}]},{"text":"I I'll be I'll be happy to look at it for sure, but I haven't finalized Yep. anything in my end.","start_word":6443,"end_word":6463,"intents":[{"intent":"Check finalizing yep","confidence_score":0.010951447}]},{"text":"I I'll be I'll be happy to look at it for sure, but I haven't finalized Yep. anything in my end. But I am discussing That's it okay. with my adviser, but, well, he's my accountant and my financial adviser at the same time, so he can Yeah. help me with that. But if you got something that Yeah. can help me as well, I'll certainly view it. Absolutely.","start_word":6443,"end_word":6511,"intents":[{"intent":"Seek support","confidence_score":0.000015734506}]},{"text":"I'll follow-up on the team and make sure the email comes out to you this afternoon.","start_word":6511,"end_word":6526,"intents":[{"intent":"Follow up on team","confidence_score":0.6860298}]}]},"sentiments":{"segments":[{"text":"Hello? Hello. Justin speaking. Hi, Jason. This is Dana from Oku Financial. How are you this afternoon?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.1425631046295166},{"text":"You're well. Thank you. How are you? That's I'm very well. Thank you. Thanks for asking.","start_word":17,"end_word":32,"sentiment":"positive","sentiment_score":0.5414361953735352},{"text":"I had you booked in for a bit of a catch up today. Is now still a good time Yes. there for you? Yep.","start_word":33,"end_word":56,"sentiment":"neutral","sentiment_score":0.24574048817157745},{"text":"It's fine. Fantastic.","start_word":57,"end_word":59,"sentiment":"positive","sentiment_score":0.4613346457481384},{"text":"Jason, before we jump into the call, just to let you know, we do record our calls for training and quality purposes. Are you happy for us to proceed with that? Yeah.","start_word":60,"end_word":91,"sentiment":"neutral","sentiment_score":0.20959500968456268},{"text":"It's fine. Beautiful.","start_word":92,"end_word":94,"sentiment":"positive","sentiment_score":0.4306920766830444},{"text":"And, also, just to do security there with you, we we are discussing your personal information. So I'll just get you to confirm for me just your full name, your date of birth, and address I should have on file. Sure. That's Jason Roman Lee. Fourteenth of the tenth seventy one. Five Renison Yeah. Drive, Potonic Beautiful.","start_word":95,"end_word":151,"sentiment":"neutral","sentiment_score":0.10397832840681076},{"text":"Thank you so much for that.","start_word":152,"end_word":157,"sentiment":"positive","sentiment_score":0.5263587236404419},{"text":"Correct me if I'm wrong, Jason. I just had a bit of a look at the file prior to the call, and I know you've completed your Ridge. annual review of my colleague, Michelle. It may mention here that you wanted to have a bit of a chat about the portfolio. It's obviously not performed as well as it has in previous years. So I just wanted to sort of maybe get a bit of a catch up there and have a look at what we can do to maybe alter that. Is that right, or is there anything that might be missing from that at all? Yeah. No. I just asked her if, like, I'm I just told her my situation that, you know, I'm in a bit of a higher risk plan because Yeah. and I'll I'll look at probably minimizing the risk, you Yeah. know, Yeah. from Yep. wanting to access it, but it's still Yeah.","start_word":158,"end_word":316,"sentiment":"neutral","sentiment_score":-0.09293399006128313},{"text":"a fair way off.","start_word":317,"end_word":320,"sentiment":"negative","sentiment_score":-0.33764123916625977},{"text":"And is there other options that we could look at to I mean, obviously, with the market at the moment and trying to recover from COVID as well as all the unsettlement that's going on in the world at the moment, I can understand why the return isn't where we want it. But can we can we do something to look at maybe increasing that? Yeah.","start_word":321,"end_word":386,"sentiment":"neutral","sentiment_score":-0.05188129469752312},{"text":"We absolutely can.","start_word":387,"end_word":389,"sentiment":"positive","sentiment_score":0.367617130279541},{"text":"So one of the things I know, do go back and have a really good look at sort of where you've been from when you came on board to now. Having a look and I one of the things I do like to look at is obviously not just a portfolio over the last twelve months, but what it did over the course of last year. So I can see here in 2024, my colleague Veronica did provide the advice to move you into hub twenty four. So you were kinda going through that implementation process again there and moving the money around.","start_word":390,"end_word":492,"sentiment":"neutral","sentiment_score":0.1810392588376999},{"text":"From, say, January up until about the October, your portfolio had actually done really well, and you had actually received about a 7% positive return, which was fantastic to see.","start_word":493,"end_word":522,"sentiment":"positive","sentiment_score":0.625065267086029},{"text":"Unfortunately, from sort of early November to December, Bennelong, your Australian equities component in there, one of the underlying investments had been a bit dishonest to the market that had kinda come out in late November, early December time frame, and it meant that Bennelong had to go back and reevaluate that portion of their investment, which has, unfortunately, meant that everyone's gone back and reevaluated Bennelong as well. So that is essentially the component of your portfolio that has is dragging the rest of the returns down.","start_word":523,"end_word":610,"sentiment":"negative","sentiment_score":-0.41680848598480225},{"text":"Otherwise, everything else there has been performing quite well. The idea of having BANELON in your portfolio was it was giving you a bit of active management. So one of the things is they are they wanna buy and sell in line with what's happening in the market, but, unfortunately, even they couldn't predict what was the you know, what sort of happened last year with corporate traveler there. What we are sort of wanting to do, and that's what, you know, our investment committee have been sort of looking at over since we came back after Christmas. There is what to do in this sort of scenario, so whether we remove Van Alung as a whole. And they have actually come back saying they do wanna remove Van Alung. So we can look at a couple of different things for you. We can look at just swapping out Van Alung and putting something else in its place. Or if you're comfortable with me looking at, do you look at your investments in your super very often, Jason? Is it something you like to log in and have a look at, or you're not too fast? Or No. I don't. And no. I'll be honest, I don't. And that's that's why I pay you guys to Yeah. manage it. So Yeah. No. you That's guys manage okay. it. Absolutely. And this is probably actually a really good question, and you've answered it really well for me because what has also been occurring over the last twelve months is our investment committee, along with utilizing BlackRock's investment firm, we've actually developed what's called an SMA or a separately managed account. If you're comfortable with us looking to see if this product is appropriate, instead of seeing in your super fund those nine different investment options, you would actually just see your funds invested in the SMA product. Inside that SMA product, we actually have anywhere from 20 to 50 different investment options. And the benefit to having this kind of an SMA is that whilst you lose a little bit of visibility on the investments in your super fund there, it actually means that when funds are underperforming like what Fenelon has, instead of updating the advice to reflect and change one investment, our investment committee along with BlackRock's investment team can actually go in there and make those changes for you so we don't we can make them a lot faster. Is that something you would like me to have a look at for you? Yeah. Sure. Yes. Can I ask you a Perfect. question? Is is Absolutely. the is also the funds down a little bit there because we did a rollover into Hub 24? No. Most of the funds are performing really, really well for majority of the year there.","start_word":611,"end_word":1082,"sentiment":"neutral","sentiment_score":0.09267751200093052},{"text":"It's just, essentially, last year was a very volatile year.","start_word":1083,"end_word":1092,"sentiment":"negative","sentiment_score":-0.36057376861572266},{"text":"I actually Okay. opened up your hub '24 and had a really good look at where things were. When I go back so sorry. I'm just going back to your investments here because I know that advice was provided around about the 2024 there. So early last year, we were kinda going through the implementation process.","start_word":1093,"end_word":1148,"sentiment":"neutral","sentiment_score":0.13583870232105255},{"text":"When I have a look at what's happened with your portfolio as a whole, it was actually quite positive at the start of last year. So looking forward from, say, January all the way up until around about February 14, you're you were actually up quite significantly, and your portfolio had done really well.","start_word":1149,"end_word":1202,"sentiment":"positive","sentiment_score":0.5036755204200745},{"text":"However, from about sort of mid February last year until about April, we had seen a lot of ups and downs in the market, and that's when the market as a whole saw quite a large dip.","start_word":1203,"end_word":1239,"sentiment":"neutral","sentiment_score":-0.2959308624267578},{"text":"That unfortunately had impacted your portfolio there.","start_word":1240,"end_word":1246,"sentiment":"negative","sentiment_score":-0.5500051975250244},{"text":"From that dip, it took a bit of time.","start_word":1247,"end_word":1255,"sentiment":"neutral","sentiment_score":-0.2932426929473877},{"text":"You did recover out, and your portfolio was providing a positive return.","start_word":1256,"end_word":1267,"sentiment":"positive","sentiment_score":0.33702218532562256},{"text":"I'm just looking there. So you're up around about 7% up until around about early late October. Early November is when we really started to see a bit of a dip there, and then your portfolio has taken a bit more of a dive from there. So you're down from, say, December, January to now, and it's starting to come back and recover again. So that's what I can sort of see. I can see where you started. You were going quite well, and then the market dip that we saw last year, early last year, had a bit of an effect on your portfolio, and then we see it go down a bit. It had recovered back and was doing nicely, and you actually made that money back and had a full recovery and some additional growth there until that issue with Bennelong, and that's kinda had a bit more of a pullback. So Bennelong as a whole is actually down by about 20% at the moment, Couch. and that's sort of why yeah. So that's why your portfolio is only sort of seeing about a three to 4% return. So Okay.","start_word":1268,"end_word":1460,"sentiment":"neutral","sentiment_score":-0.021967371925711632},{"text":"it has had quite a significant quite a significant pullback on your portfolio, and that is the majority of why your returns are down.","start_word":1461,"end_word":1484,"sentiment":"negative","sentiment_score":-0.4710219800472259},{"text":"Benelong is also quite a significant part of your portfolio.","start_word":1485,"end_word":1494,"sentiment":"neutral","sentiment_score":0.0549776665866375},{"text":"I went back and had a really good look.","start_word":1495,"end_word":1503,"sentiment":"positive","sentiment_score":0.5494629740715027},{"text":"And the benefit to you getting that advice from Veronica in 2024 was that in your first advice document, that was, sorry, back in 2022 or 2020, I think it was. I'm so sorry. I'm just pulling it up now. Yeah. So your original advice document, you had about 40 invested in Banner Long. So with Veronica going back and providing that updated advice document back in 2024, we'd actually reduced your Banner Long exposure to 10% from that 40. So it's definitely not as high as a dip as what it would have seen if we hadn't provided that advice back in 2024.","start_word":1504,"end_word":1607,"sentiment":"neutral","sentiment_score":-0.030941206961870193},{"text":"So that is a benefit, but it is still down quite significantly. It's not what we want, and Mhmm. we definitely did wanna make sure we move everyone out of that along from now.","start_word":1608,"end_word":1641,"sentiment":"negative","sentiment_score":-0.43008407950401306},{"text":"Does that make sense? Do you have any questions from that? You're welcome to get me to elaborate more or ask any other questions. No. That's fine. Now you've answered that pretty good. I was with this my original document would be prior to COVID. I've been with you guys for a while, You and then have. I You got have. and then I dropped out and came back, if you know what I mean. Yeah. So 2020 was your first document there. I was just sort of Yeah. waiting Okay. for the system Yep. to load. I do apologize. Computers are a bit sickle. But 2020 was your first document. It was September 2020. That was basically when COVID was sort of in place there. Yep. Yeah. And then, Yeah. yeah, 2024 was the updated change there, which is when we had reduced the exposure in the Banna Long, but we do wanna remove it fully now. We wanna make sure we are doing that. So if you like, what we can do is we can utilize the fact that it is down to our extent. So because it is down, you have seen a little bit of a drop there. In saying that, when I also had a quick look, your when you did the annual review of Michelle, that she noticed the balance in your account was about a hun 264,128. So from there to now, you're at 266,000.","start_word":1642,"end_word":1883,"sentiment":"neutral","sentiment_score":-0.0014221099289980802},{"text":"So your portfolio has seen a bit of an increase over the last week or so, which is good to see.","start_word":1884,"end_word":1904,"sentiment":"positive","sentiment_score":0.5062546133995056},{"text":"It It is. does show It that is. it is recovering back, but we can utilize that debt to our advantage. So while Bennelong has had, sorry, a bit of a a dip in your portfolio and is down significantly, cementing some of those losses to your portfolio, if we move you into the SMA, can actually offset some of the capital gains by us moving some of the other investments there. So if you're comfortable with us doing that, I can go back. I can do the research against the estimate to see if it's appropriate for you in helping you to meet your goals, but also just assess whether maybe moving one or two investments might suit you as well, look at how we can minimize the CGT consequences of your super, but also look at how this might help you moving forward towards meeting your retirement goals. Would that be something you'd be comfortable with? Yeah. Yeah. Yeah.","start_word":1905,"end_word":2065,"sentiment":"neutral","sentiment_score":0.1055217906832695},{"text":"Beautiful.","start_word":2066,"end_word":2066,"sentiment":"positive","sentiment_score":0.35222670435905457},{"text":"Because I've already You taken out I took a big hit on the super from having to give a big chunk of it away yeah. for a partner. Yeah. So that's what I'm to the so big sorry. dive. I think I lost about a 100 k of that. I'm so sorry. So so I'm trying to recover that as best we can, if you know what I Yes. mean. Absolutely. Most definitely. One of the other things you may have mentioned to me, Jason, was that you'd like to maybe look at reducing your exposure because you are in a high growth portfolio at the moment. And, honestly, a high growth portfolio does suit someone who is willing to take on a bit more risk. However, where markets are seeing a bit of a dip or where investments might not be performing as well, you can often see a little bit more of a a dip Fluctuation. in them. Yeah. Correct. Yeah. And Yeah. those sorts of downtimes are magnified as your balance increases as well. I can go through a bit of a risk profile questionnaire and just sort of have a gauge of where you're at, and we can sort of talk about the reduction. Would that be okay? Yeah. Sure. Yeah.","start_word":2067,"end_word":2281,"sentiment":"neutral","sentiment_score":-0.08693099132803983},{"text":"Beautiful.","start_word":2282,"end_word":2282,"sentiment":"positive","sentiment_score":0.6141769289970398},{"text":"You've probably done a couple of these in the past. It is just about six questions. They're all multiple choice. I'll ask you the question, give you the options for answers. If you're not really sure, just let me know and we can talk it through. Okay? Okay. Yep.","start_word":2283,"end_word":2331,"sentiment":"neutral","sentiment_score":0.1690516173839569},{"text":"Beautiful.","start_word":2332,"end_word":2332,"sentiment":"positive","sentiment_score":0.40753480792045593},{"text":"The first one here is have you ever owned direct shares in your own name before? Have I ever owned water? Direct shares in your own name? You have? Yep. Do you still own any of those at all? Yes. No. Nope. That's okay. Mhmm. All gone. Perfect. So I'll just tick that box there.","start_word":2333,"end_word":2387,"sentiment":"neutral","sentiment_score":0.03330186754465103},{"text":"Beautiful.","start_word":2388,"end_word":2388,"sentiment":"positive","sentiment_score":0.47225359082221985},{"text":"Now the next one here is asking the time horizon between now to when you're wanting to access your super. So having a bit of a look back at your conversation with my colleague, Michelle, there, you had noted that you were hoping to retire around about age 65. Is that still sort of your goal? No. It's not. I mean, you always you always hope you always say that. But Yeah. to be honest, I don't plan on retiring long for a while because I wanna keep energetic. I wanna keep moving, keep the brain active. Yeah. And I know plenty of people who are in their seventies, and they're not certainly not working because they need the money. They just work because they don't wanna fade away. Yeah. Correct. And I'm I'm pretty Yep. much I wanna keep busy too. So Yep. if, you know, my work might be in a good position where I can, you know, as I get older, I can drop back to three days a week and stuff like that, Yeah. Yep. Yep. and then I'll probably look at that if possible. Yeah.","start_word":2389,"end_word":2578,"sentiment":"neutral","sentiment_score":0.0227157650809539},{"text":"Perfect.","start_word":2579,"end_word":2579,"sentiment":"positive","sentiment_score":0.4777182340621948},{"text":"So under the current legislation at the age of 65, regardless of whether you're working or not, your super is changed to the unrestricted nonpreserved. Sorry. So you basically get access at the age of 65 regardless of whether you're working or do you think it'd be around about that 65 mark you'd be wanting to reduce your hours? Do you think it'd be before that time frame? No. It'll be that time more after. About then? Yeah. I Perfect. mean, you know, I can't can tell. I mean, it's still ten Yeah. years away. Anything can happen. That's right. That's exactly right. Honestly, ten years doesn't feel like a long time as we get older, but I it's a lot can happen in ten years. If you look back at the last ten years, you've probably had so many changes in your lifetime. So I have indeed.","start_word":2580,"end_word":2727,"sentiment":"neutral","sentiment_score":-0.015088432468473911},{"text":"perfect.","start_word":2728,"end_word":2728,"sentiment":"positive","sentiment_score":0.4550865292549134},{"text":"So what I'll do is I'll make 65 the goal age there for you for us to work forward. So we have about a ten year time horizon to see what we can do. Our job is to keep monitoring things and moving things as we do to as we get towards that goal, but then you don't have to retire. It's just giving you the option to stop working or access your stupid. We're not gonna, in Yeah. any way, shape, or form, force you to do so. Yeah. Okay. And I do well. I keep her in a Yeah. high risk portfolio until '60 Yep. '5. And even if I wasn't retiring till '68, '70 or something like that, then Yeah. the '65 reduce that risk down a bit so that Yep. it stabilizes a bit more before Yep. retiring. That's what I plan Yeah. on doing. Yeah.","start_word":2729,"end_word":2878,"sentiment":"neutral","sentiment_score":0.1168598011136055},{"text":"That is great in theory.","start_word":2879,"end_word":2883,"sentiment":"positive","sentiment_score":0.6538577079772949},{"text":"The only downside I see to that occurring is that at the age of 65, because every, you know, couple of years in a ten year period, we do expect to see at least one or two years of negative returns. And as your balance gets higher and higher, you are impacted by those a lot more. You feel them a lot more.","start_word":2884,"end_word":2946,"sentiment":"negative","sentiment_score":-0.4561319947242737},{"text":"Yeah. Essentially, at the age of 65, if we are still in that high growth environment, you do risk at this point, we are starting to reduce that risk that your portfolio being down quite significantly. I mean, even now, we are looking to reduce the risk a little bit, but you're still seeing a positive return out of your entire portfolio for the twelve months.","start_word":2947,"end_word":3012,"sentiment":"neutral","sentiment_score":0.08790653198957443},{"text":"I would hate to be cementing losses at a time where your portfolio might be seeing, you know, COVID like event again or something like that because we do know those events will occur in the future.","start_word":3013,"end_word":3049,"sentiment":"negative","sentiment_score":-0.42269808053970337},{"text":"We don't know when they're gonna occur. And the idea of reducing the risk is that we're minimizing the risk of those events having a larger effect on your portfolio. Does that make Yeah. sense? Yes. It does. Yeah.","start_word":3050,"end_word":3088,"sentiment":"neutral","sentiment_score":-0.15916165709495544},{"text":"Beautiful. Beautiful.","start_word":3089,"end_word":3090,"sentiment":"positive","sentiment_score":0.559963583946228},{"text":"The next one here is asking about inflation. It says, how much risk do you feel you're comfortable taking in order to make sure your returns are keeping up with inflation? Do you think you're comfortable taking on the highest level of risk that to get the best returns you possibly can? You're a bit more of a gambler. Option number two says you still want a higher level of risk for good returns, but probably more calculated risk. Option number three says you wanna take on a moderate or medium amount of risk to get the best returns you can. All the last options says you don't wanna take on any risk to get, you know, whatever returns you're able to obtain. So two two See? I I Beautiful. don't I don't ever take risk without calculating Calculated. the the the pros Perfect. and cons and and the risk involved.","start_word":3091,"end_word":3241,"sentiment":"neutral","sentiment_score":-0.020584985613822937},{"text":"So Absolutely.","start_word":3242,"end_word":3243,"sentiment":"positive","sentiment_score":0.33742162585258484},{"text":"Me too. The next one here is about volatility, and it says, how would you feel in six months if you saw your portfolio fall by 20% due to external market factors? too. Would you be one No. wanting to put more more money into the market as a buying opportunity? Option number two, are you likely to hold and wait and call us, or are you more likely to try and cement those losses and move your money to something more secure? It's white. Yeah. Yep. Just white. Do you go it's not happening in the real world. You just wait until it picks back up again. Yep.","start_word":3244,"end_word":3352,"sentiment":"neutral","sentiment_score":-0.07455159682746328},{"text":"Beautiful. Just I'll Beautiful. have the patience to wait.","start_word":3353,"end_word":3361,"sentiment":"positive","sentiment_score":0.43269777297973633},{"text":"That's why Yeah. I see.","start_word":3362,"end_word":3366,"sentiment":"neutral","sentiment_score":0.17946727573871613},{"text":"Excellent.","start_word":3367,"end_word":3367,"sentiment":"positive","sentiment_score":0.5718330144882202},{"text":"The next one here is asking what reasonable rate of return you'd like to achieve from your portfolio over the longer term. Am I right? You're looking for the highest return you can possibly get? Yeah. I I was looking for around 10%, but around more Yep. close to yep. Yep. That's okay. And the second last one here, it says, how would you or have you ever looked at your super and seen it fall in value? Because we know this will happen again in the future to you know, with external market factors and the volatility that we experience in the next ten years. How might how might you feel if you saw your super fall in value? Are you wanting to put more money into it? Are you a bit cautious? Are you concerned, or are you feeling very anxious? No. I'm not feeling any of those things. That's okay. When I say look. It's I see it falling value, but it it always has a always makes a margin on at the end of the day because it goes up and down like you said, but Yeah. I don't get anxious. I suppose as I get closer to the retirement age, I might get anxious. Yep. Do you feel a bit cautious? You probably wanna know what what's happening, why it's happening. You know? Like, you're always cautious. Like, that's why we're having this phone Yeah. call Yeah. because Absolutely. I was cautious Yeah. about the 3%. Yeah. Look. Yeah. Cautious, I guess. Yeah. Yeah. Okay.","start_word":3368,"end_word":3627,"sentiment":"neutral","sentiment_score":-0.055046735274103975},{"text":"Perfect.","start_word":3628,"end_word":3628,"sentiment":"positive","sentiment_score":0.5460637807846069},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is borrowing something you've only ever wanted to do for property? Yeah. No. I don't wanna borrow anything. No. That's okay. To borrow All property good. only, I don't wanna borrow freedom to me is no debts. No.","start_word":3629,"end_word":3691,"sentiment":"neutral","sentiment_score":0.0022877592127770185},{"text":"Perfect.","start_word":3692,"end_word":3692,"sentiment":"positive","sentiment_score":0.3737834095954895},{"text":"It's I've got a a goal here that you were hoping to maybe in the next few years get an investment property. Is that still something you'd like to do moving forward, I'm or are you just focusing on your main primary residence? Or focusing on paying everything off here so that yep. I'm debt free here. That's the on Perfect. the advice of my financial adviser. Yep.","start_word":3693,"end_word":3760,"sentiment":"neutral","sentiment_score":0.2124495953321457},{"text":"Perfect. Perfect. And, look, that's not bad. Going into retirement use debt free definitely gives you super a bit more longevity because it allows you to draw less out, which is a good thing.","start_word":3761,"end_word":3794,"sentiment":"positive","sentiment_score":0.5104489922523499},{"text":"Yeah. Well, I've hang on to this place tooth and nail, and it hasn't been easy, but being, you know, a single dad. But but this is part of my retirement fund as well. So Yeah. No. I Perfect. mean, it's a big property, and I went as I get older, I can downsize. Yeah. So and I've got probably 6 or $700,000 equity here. Yep. Yep. Perfect. Well, when you are ready to downsize and you put on the market, let me know because there's things we can definitely do to help you with and we Yep. can provide advice on what to do with the funds for you as well. Okay? Okay. Sure.","start_word":3795,"end_word":3909,"sentiment":"neutral","sentiment_score":0.1125624254345894},{"text":"Beautiful. Now thank you for answering those questions.","start_word":3910,"end_word":3917,"sentiment":"positive","sentiment_score":0.4970760345458984},{"text":"Now, look, Jason, you have come out as a growth investor. So a growth investor sees about 80% of their super invested in growth investments, so things like Australian shares, international shares, listed property, and also commodities. In your high growth environment at the moment, you see 90% invested in those areas. So this is dropping you down just by 10% there, and then we're increasing those defensive investments by about 10% so we have more cash, bonds, and fixed interest in those areas. Yep.","start_word":3918,"end_word":4002,"sentiment":"neutral","sentiment_score":0.06629528017605052},{"text":"With the growth investor, you're still taking on a fair amount of risk there. We do expect the likelihood of a negative return to be one in every five years.","start_word":4003,"end_word":4032,"sentiment":"negative","sentiment_score":-0.4747104346752167},{"text":"Yep. And with a high growth environment, we like you to be invested for eight years prior to accessing your super. Whereas with the growth portfolio, you can be in that up until about six years, you know, six years Yeah. away Okay. from wanting Yep. to access Lupus. So you are just reducing your risk level a little bit.","start_word":4033,"end_word":4092,"sentiment":"neutral","sentiment_score":0.049880772829055786},{"text":"You're still getting those good returns that you're still having a fair amount invest in those growth investments there.","start_word":4093,"end_word":4111,"sentiment":"positive","sentiment_score":0.4861336350440979},{"text":"The Yep. expected returns out of a high growth portfolio is averaging between sort of eight to 10, whereas in a growth portfolio, we'd expect the average returns to be around about seven to 9% there. So we're sort of aiming for that sort of portfolio. Are you comfortable just by stepping down a little bit, maybe moving back into that growth environment a little bit? Do you think it will I don't know. I was looking for more growth, and that's how we gonna is that gonna is that that's gonna slow the growth down, don't you think? Not Don't necessarily. know. The the great portfolio and the high growth portfolio can obtain similar to, you know, much greater returns. We're just sort of aiming the seven to nine and the eight to 10 is just sort of what you're aiming for when you're looking at the investment side of things. However, our high growth environment or our high growth portfolio has, at times, performed worse than our growth portfolio and vice versa. So it just Yeah. comes down to so many different factors when we are looking at it. It's about when contributions are going in. It's the different asset allocation, So I mean, different market performances like inflation, interest rates, economic growth, geopolitical factors. Yeah. Donald So Trump many things, tweeting variations. on a regular basis. Correct. So there are a lot of different things that go into the play there. If you wanted to, what I could do is because you do have that ten years before you're wanting to access Super at this point and maybe start reducing back, I can keep you in the high growth environment for a little bit longer. We could do a catch up in twelve months or even in six months to see where things are going, and then just maybe evaluate it then again. I can keep you at 90 sort of 10 split just for a little bit longer if you'd like to.","start_word":4112,"end_word":4447,"sentiment":"neutral","sentiment_score":0.01071565511769482},{"text":"You do have that ten year horizon, and we can certainly look if that helps for the year.","start_word":4448,"end_word":4465,"sentiment":"positive","sentiment_score":0.46888917684555054},{"text":"How do you feel? Yep. Yeah. No. We'll we'll take it. We'll go to the next one down. We'll take it down a little bit? Yeah. Yeah. Yep.","start_word":4466,"end_word":4493,"sentiment":"neutral","sentiment_score":0.0516260489821434},{"text":"Perfect. Not a problem at all.","start_word":4494,"end_word":4499,"sentiment":"positive","sentiment_score":0.4360007643699646},{"text":"So And I'll then I have can a look always at the reevaluate growth. in your 12 time and see how that's going.","start_word":4500,"end_word":4522,"sentiment":"neutral","sentiment_score":0.17770181596279144},{"text":"Absolutely. Most definitely.","start_word":4523,"end_word":4525,"sentiment":"positive","sentiment_score":0.37603527307510376},{"text":"So what I'll do is I'll go back. I'll do a bit of research with my team there. It takes a couple of weeks to do the research properly for you. We'll update the advice document to reflect the change in the portfolio, what we're gonna do. I will definitely look at that estimate product for you to see if it's gonna be beneficial for you working towards your goals there. We'll bring you back down to the growth portfolio. As part of the advice Unless document, you forecast you'll be unless you you're can forecast at anything that's gonna be viable to lever in the growth high growth mhmm. portfolio that's happening over the next twelve months. I mean, I don't know. You guys are forecasting, obviously, or predicting things to move and where not to move. Yeah. Yeah. So Absolutely. I you know, if that's if that's I mean, at at the end of the day, I look to you guys for your professional opinion rather than Yeah. just information. So Yes. if you think it should be staying where it is for give it another year, I mean, Yep. I take all that on board. I mean, if you think it should be moved down, then, yeah, for sure.","start_word":4526,"end_word":4737,"sentiment":"neutral","sentiment_score":0.08095891868590184},{"text":"Absolutely.","start_word":4738,"end_word":4738,"sentiment":"positive","sentiment_score":0.4722134172916413},{"text":"I can look at both those options for you and let you know what we recommend as part of the advice. It'll have the advantages, disadvantages, and the risks involved so you get to take it all on board and then make a decision as to whether you wanna take the advice or not. Okay. Okay. Yeah.","start_word":4739,"end_word":4795,"sentiment":"neutral","sentiment_score":0.17947474122047424},{"text":"Cool. Yeah. Great. Beautiful. That's okay.","start_word":4796,"end_word":4801,"sentiment":"positive","sentiment_score":0.5080081820487976},{"text":"Now as part of that, I know you did mention that you did lose a fair a fair value of super about a 100 or thousand there. Are you open to maybe making additional contributions in to kinda help provide a bit more of a benefit, or you're just wanting to see what your portfolio can do with your employer contributions? Yeah. We'll make, Bennett, contributions, but just not at this time, but I do plan on making Okay. contributions when I've got about ten years left, I suppose. So it's only about another five years. If I Okay. can make Okay. them earlier, I will, but Yep. I've just always I said I'm not I'd rather contribute to paying off the loans I've got at the Yeah. That's okay. So once the loan's sort of paid down or paid off completely, then you're happy to sort of maybe whack in some more contributions or in around the next five odd years. moment. Yeah. Yeah. Yep. Yep. For sure.","start_word":4802,"end_word":4970,"sentiment":"neutral","sentiment_score":0.0019449100363999603},{"text":"Perfect.","start_word":4971,"end_word":4971,"sentiment":"positive","sentiment_score":0.40761154890060425},{"text":"Not a problem at all. I can break that out for you. It's not a problem at all. I will go back. I know Hub twenty four you've just moved in.","start_word":4972,"end_word":5002,"sentiment":"neutral","sentiment_score":0.22891993820667267},{"text":"It is a great platform. There's nothing wrong with it.","start_word":5003,"end_word":5012,"sentiment":"positive","sentiment_score":0.4525500237941742},{"text":"But as part of my process, I do reevaluate the platform as well. It is important to make sure that not only investments are working for you, that you are in the right platform, and that you understand the fee structures there as well. Okay? Mhmm. With the sorry. The insurances are also a really important part to sort of factor in as well. So at the moment, having a look at things, you've got your life cover only. It does certainly mean that in the event of passing, your life cover is paid out, but then also your super benefit is paid out to your beneficiaries there. I do have your beneficiaries noted here as so sorry. I'm looking here to Trident have this look. and Jet. Braden and Jeff for 50% each. You're still Mhmm. comfortable with that? Yep. Yep.","start_word":5013,"end_word":5154,"sentiment":"neutral","sentiment_score":0.08338585464467466},{"text":"Beautiful. Yes, sir. And excellent.","start_word":5155,"end_word":5159,"sentiment":"positive","sentiment_score":0.6120912432670593},{"text":"And with your Zurich Life cover there, you've got a sum insured of 525,000. You're comfortable with the sum insured didn't wanna look at altering that at all at the moment? No. It's fine. I mean, I only owe you That's 300. okay. I mean, it will pay out the loan and all or anything else that's owing and leave some over. So that's fine. Yep. I've got income protection and disability protection through my employer, so I don't need Okay. to have that. That's why Yep. And so that's why. no. That's okay. So income protection and disability through your employer. So you're not worried about having to get anything additional income disability wise? No. And it's covered for well, it's covered. It's a good cover from my employers. So to have an additional one means just extra fees, and you don't get paid it out twice, unfortunately. No. Yeah. No. That's understandable. That's not a problem at all. Is it it's TPD as well as income protection. Is that right? That it pays out? Yes. Yeah. Okay. Has anyone here asked you to provide, like, any of the information on your TPD or income protection policy with your employer in the past? Yeah. Just recently, and it'd be nice if I could get something from you guys requesting it because Yeah. I Of course.","start_word":5160,"end_word":5385,"sentiment":"neutral","sentiment_score":0.07849292457103729},{"text":"get a little bit frustrated from our people culture team that announced to the world that we've covered for this and covered for that, but I can't get the information to provide to you guys on who and what that is.","start_word":5386,"end_word":5426,"sentiment":"negative","sentiment_score":-0.43293648958206177},{"text":"So No. That's okay. Is there anything particular they need from us?","start_word":5427,"end_word":5438,"sentiment":"neutral","sentiment_score":0.027340346947312355},{"text":"Because I'm more than happy to go back to our team and, you know, we can get, like, a letter of authority drawn up and have it all signed and sent through to them.","start_word":5439,"end_word":5472,"sentiment":"positive","sentiment_score":0.4328196048736572},{"text":"Is there anything particular they're requesting to get the information? No.","start_word":5473,"end_word":5483,"sentiment":"neutral","sentiment_score":0.048929180949926376},{"text":"I just I'm not gonna get donuts.","start_word":5484,"end_word":5490,"sentiment":"negative","sentiment_score":-0.33502671122550964},{"text":"Yeah. I get a bit frustrated because, I like to try and manage it in house with them rather than go up Right. the line. But, you Yeah. know, it's just people culture. They're not very quick to do anything. No. That's okay. What I can do is I can also have a bit of a look around to see if do you guys have, like, an enterprise bargaining agreement or anything like that that you sign on a regular basis that might have that information in it? I don't know. You always look at Capital Group's website and see what you can find, Yep. but I don't know if Yeah. it'll be made public. Obviously, I'm not sure if it's just internal information or whether it is public. We've got Yeah. a fairly extensive website with all the information on there. But, Yep. yeah, That's it's okay. capital Leave with it a k. with me. Yep.","start_word":5491,"end_word":5647,"sentiment":"neutral","sentiment_score":-0.05802478641271591},{"text":"Perfect.","start_word":5648,"end_word":5648,"sentiment":"positive","sentiment_score":0.4359364211559296},{"text":"I'll tell you what. Leave it with me. I will do a bit of researching around.","start_word":5649,"end_word":5664,"sentiment":"neutral","sentiment_score":0.2420670986175537},{"text":"I'm pretty good with that.","start_word":5665,"end_word":5669,"sentiment":"positive","sentiment_score":0.4604300856590271},{"text":"If there is something to find, we'll be able to find it for you and see what we can do. If we Okay. can't, that's absolutely okay. We just have to know. We don't we're not able to obtain the information. But leave it with me, and I'll go and do whatever I can. As I said, you pay for our services, so I'll do that research for you on your Oh oh, behalf. yeah. Okay? Or just send me Yeah. send me an email that's a a Yep. certain, like, a formal request, and I can forward it to them for them to respond. You know? Okay. Yeah.","start_word":5670,"end_word":5778,"sentiment":"neutral","sentiment_score":0.04278113299963671},{"text":"Perfect. I'll Yep.","start_word":5779,"end_word":5781,"sentiment":"positive","sentiment_score":0.5135494470596313},{"text":"even get a head of advice to help me draw up something on a letterhead for you so it can be sent through to them via email. Makes it a little bit more official for you. Okay? Yeah. Yeah.","start_word":5782,"end_word":5820,"sentiment":"neutral","sentiment_score":0.2607767879962921},{"text":"That'd be good.","start_word":5821,"end_word":5823,"sentiment":"positive","sentiment_score":0.3837461173534394},{"text":"Yep.","start_word":5824,"end_word":5824,"sentiment":"neutral","sentiment_score":0.2663026452064514},{"text":"Thanks. That's not a problem at all. Thank you so much for that.","start_word":5825,"end_word":5837,"sentiment":"positive","sentiment_score":0.5412489771842957},{"text":"Now the only other type of kinda cover that you would normally wanna be looking at would be something like trauma, which tends to pay out a lump sum benefit, tax free benefit too in the event of a major diagnosis, tends to be things like cancer, Parkinson's, neurological conditions are a big one as well. Trauma has to be paid out of your back pocket. We do have to just sort of clarify with you. Did you wanna look at any kind of trauma cover, or you're happy with the life cover and your employer policy paid? Yeah. I'm happy at the moment. I've Have got you the yep. That's okay. If you yeah. ever I wanted know. I'm to talk trying about I'm any trying of to these increase the policy overall, and I just yeah. I don't want more insurance premiums coming out of it. yeah. So No. That's okay. Sorry. You said you're trying to increase the policy. Is that the one with your employer? Or no. I mean, increase the return on my super. of course. Yes. Yeah. So So sorry. I don't want I don't want That more policies coming out of it, do I? no. That's okay. That's absolutely Yeah. fine. We just have to go through Yeah. all of those to make sure that you Yeah. understand what you're allowed to have and give you the option No. to do so. Yep. It's just always really important to clarify those options. If you ever do wanna have a chat or find out more about any of those options or the types of cover or how they work, feel free to let me know, and we can always go through it in more detail for you. Okay? Okay.","start_word":5838,"end_word":6132,"sentiment":"neutral","sentiment_score":-0.017742280106423265},{"text":"Cheers. Perfect. Lovely.","start_word":6133,"end_word":6135,"sentiment":"positive","sentiment_score":0.7031605839729309},{"text":"So just to kinda recap there, I'm gonna go back and review the soup of the investment side of things, what the capital gains consequences might be, and also the cost of the different options there. Look at the benefit working from now to the age of 65 to see where we can go with it, make sure it's providing you the options. We're not looking at any additional contributions as of yet. That's something to put down the track for the next sort of five years or so, and keeping the the level of cover you have at the moment, and we'll see what we can find out about your your disability cover with your employer. Does that sound right? Have I missed anything at all, Jason? No. That's fine. That's fine. No.","start_word":6136,"end_word":6269,"sentiment":"neutral","sentiment_score":0.08205766975879669},{"text":"Perfect. And you're happy with your beneficiary nominations there being your two kids. I can see they're binding, non lapsing as well, which is fantastic.","start_word":6270,"end_word":6294,"sentiment":"positive","sentiment_score":0.473139762878418},{"text":"One of the big things with the binding, non lapsing nomination is that it binds the trustee to follow the direction that you've made and non lapsing. So you don't have to fill out those beneficiary forms on a regular basis, which is a benefit for you as well. Yeah. Okay? That's fine. I've I've got a I've got a look at organizing a wheel, which I'm Absolutely. speaking to my yeah. Because I haven't Yes. really done anything that around that, but I'm in the Yep. process of of sorting that out now. Okay. Perfect. I can see here that Michelle did speak to you about that. Did she send you the detail of our solicitor and the information pack there at all, or is that something you're doing through your solicitor you know? Or She did say that, but I haven't received it. But okay. I I'll be I'll be happy to look at it for sure, but I haven't finalized Yep. anything in my end. But I am discussing That's it okay. with my adviser, but, well, he's my accountant and my financial adviser at the same time, so he can Yeah. help me with that. But if you got something that Yeah. can help me as well, I'll certainly view it. Absolutely. I'll follow-up on the team and make sure the email comes out to you this afternoon. I'm so sorry that hasn't been sent to you. Okay. No. It's okay. It's fine.","start_word":6295,"end_word":6541,"sentiment":"neutral","sentiment_score":0.09721031851372738},{"text":"Perfect.","start_word":6542,"end_word":6542,"sentiment":"positive","sentiment_score":0.39915284514427185},{"text":"She's probably All really jumping good. up and down still about the Google review I left her. No. No. Honestly, it is all good. I will follow that one up for you.","start_word":6543,"end_word":6574,"sentiment":"neutral","sentiment_score":0.15743213891983032},{"text":"Really appreciate that Google Yeah. review as well. Michelle is beautiful to speak to. Yeah. She was. I love I love working with her. She's an absolute gem. She's like everyone's mom. It's great.","start_word":6575,"end_word":6608,"sentiment":"positive","sentiment_score":0.6517250537872314},{"text":"Yeah. No. She just she's she's I felt like I was not just another number, and she listened to what No. I had to say. So yeah. Absolutely. So the No. review Definitely is just honest. not. The review is honest. You know? So Well, we appreciate that. No. yep. Thank you so much. No. I will get working on this as my team. It does take a few weeks to sort of put the advice together for you because it is quite in-depth in making sure we research everything, especially when it comes to the employer paid policy. But if you have any questions in the meantime, Jason, please do let me know. I'm more than happy to make time to touch base with you. I do work generally around until about six, 07:00 Queensland time at night, Monday to Thursday. Wow. So more than happy to take time for you after There's work a if lot you out need there, to as girl. well. Oh, no.","start_word":6609,"end_word":6776,"sentiment":"neutral","sentiment_score":0.056981585919857025},{"text":"I love this. This is fantastic.","start_word":6777,"end_word":6782,"sentiment":"positive","sentiment_score":0.4775850176811218},{"text":"I'm the Yeah. craziest I know. person ever to talk about insurance.","start_word":6783,"end_word":6794,"sentiment":"neutral","sentiment_score":0.002516934648156166},{"text":"This is super, but it's fantastic. It's so much Oh, fun well. to help people meet their goals. So Oh, that's good. That's good. That's a good attitude. yeah. Yeah.","start_word":6795,"end_word":6824,"sentiment":"positive","sentiment_score":0.7041937112808228},{"text":"Alright.","start_word":6825,"end_word":6825,"sentiment":"neutral","sentiment_score":0.3164978623390198},{"text":"All good.","start_word":6826,"end_word":6827,"sentiment":"positive","sentiment_score":0.5011932253837585},{"text":"Is there anything else that you might need for me at the moment? Any other questions or anything else to sort of bring up at the moment at all? No. I look forward to receiving that document, Yep. showing me the the difference in risk in return and, Yep. you know, and that's, you know, your recommendations, and then I'll Yes. make make a call and we'll go from there. Absolutely. No.","start_word":6828,"end_word":6899,"sentiment":"neutral","sentiment_score":0.14666754007339478},{"text":"Thank you so much for your time this afternoon. It's been a pleasure to get to know you. I'll get working on that research there for you.","start_word":6900,"end_word":6926,"sentiment":"positive","sentiment_score":0.6892086863517761},{"text":"If there's anything else that need in the meantime, I'll let you know, and I'll get my head of advice to help us do up a an official document requesting the information for your disability cover as well, and we'll get that email through. Okay?","start_word":6927,"end_word":6971,"sentiment":"neutral","sentiment_score":0.2477978318929672},{"text":"Excellent. Thank you. My pleasure. You have a lovely afternoon, Jason. Thank you so much for your time. You too. Cheers. Thanks. See you later.","start_word":6972,"end_word":6996,"sentiment":"positive","sentiment_score":0.7049173712730408},{"text":"Okay. Bye. Bye.","start_word":6997,"end_word":6999,"sentiment":"neutral","sentiment_score":0.15596351027488708}],"average":{"sentiment":"neutral","sentiment_score":0.055428809784616874}}}}